Pearl Polto answers everyone's questions about establishing good credit, running credit checks before applying for a loan, avoiding the credit card merry-go-round, coping with collection agencies, applying for loans and mortgages, and avoiding bankruptcy--the 10-year credit curse.

Most credit books promise quick fixes and easy solutions to bad credit, but the truth is there is no quick fix when it comes to credit. Your best strategy as a smart consumer is to understand your credit inside and out. Credit expert John Ulzheimer can give you all the tools you need to master the world of credit, before or after you get into trouble, and take the power back into your own hands. Topics covered include: • The difference between a credit score and a credit report • The best way to deal with collection agencies • How to monitor your credit report • Protecting yourself from identity theft • The impact of student loans on your credit score • How to opt out of unwanted credit card offers The Smart Consumer’s Guide to Good Credit answers all of your questions about credit (including the ones you didn’t even know you should be asking!) and yes, even explains the best ways to work toward improving a bad credit score.

The United States of America has been in trouble for a long time, but before we can correct the problems, we need to know what they are. The time has come for the people to know the truth about what is happening in our cities, our states and our country. Our government has placed an unnecessary burden upon the people of the United States by making mistakes and failing to learn from them. Now we must pay the price. We live in a FREE LAND, but we take it for granted, allowing others to work and fight for us. Instead of valuing the treasure that is freedom of speech, we contentedly stay silent. The only way to bring about the necessary change is to stand up for what we believe in and let our leaders know that we will not sit idly by while they destroy this great country. It is time we all say, "Enough is enough."

"The Time Has Come - for you to take control of your finances and your future." Pearl Polto's new book, Credit Lifeline, helps you correct bad credit and restore good credit. Pearl's credit knowledge and practical experience are lifesavers for consumers with credit issues. Easy-to-read and enlightening, Credit Lifeline, is a must-read for anyone in America who uses or relies on credit?and that is everyone! Learn how to restore good credit, register disputes, correct outdated credit reports, and even avoid bankruptcy. "This book is indispensable! Pearl translates the complicated language of credit and gives the power back to the consumer. Rich or poor, this information will change your life." -Danielle Nicolet, Actress

YOU & YOUR CREDIT is a well written "straight to the point" insiders guide on the inner workings of consumer credit. The book was written to help the many people who now have, have had, or will encounter consumer credit problems. Each chapter of the book is written in a concise & easy-to-understand format, to give the reader a true feeling of being involved & to make the reader confident enough to tackle their credit problems. Readers will find the simplicity in applying these principles using "real world" techniques to improve their financial situation very refreshing. This book not only addresses the road to credit recovery, but, also shows the reader how to avoid credit pitfalls. The book lets the reader self-analyze their credit situation-without the assistance of gimmick programs & high priced credit consultants, & embark on a road to recovery. YOU & YOUR CREDIT will give the reader a greater understanding as to what went wrong, how to fix it. YOU & YOUR CREDIT teaches you your credit rights under the law, how to avoid scams, bankruptcy, credit counselling, business credit, & also serves as an excellent reference guide. If information is power, then here it is, a plethora of information for a capitalistic, credit-minded society where credit is everything. To order call (718) 341-4575, or by mail: Pyramid Publishing, 110-64 Queens Boulevard, Suite 227 ANNO, Forest Hills, New York 11375-6347.