Give Me Back My Credit! by Denise Richardson is 'Real-Life' lessons...

FOR IMMEDIATE RELEASE
(Free-Press-Release.com) July 30, 2007 -- You know your credit card is paid up to date and there is sufficient credit on the account to cover the cost of your purchase. You call the card company and discover someone has charged nine-thousand dollars in airline tickets to your card. This happened to Denise Richardson author of the new book Give Me Back My Credit! (ISBN-10: 0741434741)

Pulling on her life experiences with credit reporting and identity theft, Give Me Back My Credit! is an important and valuable resource for everyone. This book can help you if you are currently in a bad credit situation and can help prevent you from getting into one in the future.

How ‘fair’ is our ‘fair credit reporting’? Give Me Back My Credit! reports that 79% of credit reports contain mistakes. In a recent interview the author says, “Yes …it is alarming but widely reported as true… It often takes many attempts and many years to clean up inaccuracies - in my case more than a decade. But as bad as my story is -it's not the worst nightmare I've heard of - I just decided to tell my story! More often than not, it literally takes an Act of Congress to clear up erroneous information in your credit report, whether caused by inaccurate credit reporting or an identity theft. I've often said I feel like I'm an unpaid credit bureau employee, a type of Quality Control Expert who's forced to inspect, monitor and fix their product to ensure it isn't defective and harmful to me! Unfortunately, their product that they profit from is me & you! It's our information and the burden to safeguard it falls on us! Normally, if a company was negligent or their product harmed us we would have the choice to boycott the company -but we don't have that choice when it comes to the credit industry. And ironically, any other industry who sold defective products would be sanctioned and ordered to remove the products from the market until they were fixed -by them! The credit industry is the only industry I am aware of that can get away with such a brilliant maneuver…sell a product that the consumer is responsible for both building and maintaining!”

Give Me Back My Credit! exposes how the United States credit system works and how our consumer protection rights have been wiped away by corporations and the government. Give Me Back My Credit! Informs us that we must take action and it begins with knowing what’s on your credit report. A new study by the Consumer Federation of America and Washington Mutual Inc. , the Seattle-based savings bank, found that fewer than six out of 10 Americans have obtained their credit scores. How can you improve your credit score if you don't know what's on your credit report?