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Credit guide 3 credit the CONSUMER GUIDE to GOOD CREDIT The Consumer Guide To Good Credit ? Latham Street Riverside CA The Consumer Guide to Good Credit Copyright ? by credit org This publication is copyrighted All rights are reserved No part of this book

credit the CONSUMER GUIDE to GOOD CREDIT The Consumer Guide To Good Credit ? Latham Street Riverside CA The Consumer Guide to Good Credit Copyright ? by credit org This publication is copyrighted All rights are reserved No part of this book may be used or reproduced in any manner whatsoever without prior permission of credit org ISBN- ISBN- - Manufactured in the United States of America Legal Disclaimer Liability claims regarding damage caused by the use of any information provided will be rejected Information presented is to the best knowledge of the author and editors correct however if the reader intends to make use of any of the information presented in this publication please verify information selected No information provided here or materials referenced is intended to constitute legal or tax advice You should not rely on our statements or materials referenced for legal or tax advice and should always con ?rm such information with your lawyers or tax professionals who should be responsible for taking whatever steps are necessary to check all information and personally ensuring that the advice these professionals provide is based on accurate and complete information and research from any available sources credit org and Bankruptcy Relist are registered service marks of Springboard Social Enterprises Inc Managing Editor Melinda Opperman Chief Relationship O ?cer credit org Special thanks go to Dianne Wilkman Lori Lamb and Je ? Michael for their invaluable assistance in the preparation of this book Credit org is a nonpro ?t consumer credit management organization formed in Our mission is simple to provide and promote ?nancial literacy for all consumers Credit org o ?ers personal ?nancial education and assistance with money credit and debt management through educational programs and con ?dential counseling to strengthen our communities Credit org is accredited by the Council on Accreditation signifying the highest standards for agency governance ?scal integrity counselor certi ?cation and service delivery policies We are a HUD-approved housing counseling agency and members of the National Foundation for Credit Counseling NFCC ? Introduction This is the sixth edition of our Consumer Guide to Good Credit The original guide was the product of former credit org President and Chief Executive O ?cer Dianne Wilkman ? s vision passion and dedication to helping consumers achieve ?nancial freedom Now years later we ?nd that our Consumer Guide is more important and more necessary than ever We ? ve prepared this new edition and added information to apply to as many consumers as possible You may not need all of the information contained here that ? s okay Some of it may be too speci ?c to apply to your current situation but we ? re sure the Guide you now hold contains information that can help you improve your life It ? s also likely that someone in your life could bene ?t from the information contained here Perhaps they ? ll come to you seeking some personal advice about their credit Keep this guide on hand for