This book is designed for the approximately 3,250,000 consumers who are refused credit each year because of inaccurate, incomplete or out-of-date information in their credit files; the nearly 5,500,000 consumers who have filed bankruptcy in the past five years; and those who have been damaged by money problems. This new edition addresses one of the leading credit concerns in the last 24 months: identity theft. Its prevention is a paramount concern, not only for consumers, but for their creditors as well. Resources and preventative information are given in detail. A complete glossary and thorough index, as well as appendices of easy-to-use, blank, tear-out forms and sample letters completes this credit repair kit. All blank forms and letters will be included on the new CD-ROM.