Excuse My Credit is the most detailed and comprehensive introduction to credit and repairing credit around. It is the perfect gift for anyone new to credit, looking to establish credit or repair their own credit. Everything is covered in this one stop shop of a guide from Do's and Don'ts when building the perfect score, understanding how scores are calculated, how to legally remove negative items, consumer laws, how credit can be used to build wealth, tradelines, CPN's, and secured loans explained and so much more! There are even dispute letters included to help you start repairing your own credit immediately. Excuse My Credit is an absolute must have! Treat yourself to learn what it takes to get the perfect credit score or gift your new college student with the perfect introduction to adulthood by understanding the importance of credit early. Either way you can't go wrong with Excuse My Credit. It is The Ultimate Guide to Understanding Credit and it lives up to its name.