Changes are afoot! According the U.S. Federal Trade Commission (FTC), you are entitled to a FREE copy of your credit report if you meet any of the following guidelines:

· Are unemployed and are planning to look for a job within 60 days. · Are currently on welfare. · Are a victim of identity theft and your report is inaccurate because of this fraud.

And since September 2005, every person is entitled to - and can get a copy of--his credit report for free once every 12 months, thanks to new rules set down by the FTC.

Oh, so you say you already have a copy of your report. And it's just as you suspected. It needs a major overhaul. Don't be so depressed. Millions of Americans are in the same position as you. It's not hopeless.

So now what do you do with it? You have three options. You can just be fatalistic about it and pay the exorbitant interest rates associated with poor credit. Or you can trust a credit-repair company of questionable origins to make the necessary changes on your behalf--depleting probably an already finite supply of income. Or the third option is to repair your credit report yourself.

You say you would love the third choice, but don't know where to begin? That's http://www.cleaning-up-bad-credit.com comes in. In only a matter of minutes, you'll find insider tips about quick and easy ways to boost your

There are scores of different articles all aimed at helping you overcome your bad credit. And it doesn't really matter how the poor credit occurred - through your temporary financial misfortune (who among us these days have not experience a layoff, a major illness or even a divorce that has played havoc with our finances) or through the ever-growing fraud of identity theft. More people than ever before have fallen victim to this crime.

If you believe there is nothing you can do about your bad credit, you're wrong. Just visit http://www.cleaning-up-bad-credit.com to begin your journey to better credit. You know that Victorian house you've had your eye on, but just knew you couldn't get the loan for. Now it's within in reach - as are many of the better things in life.
About the Author

Jeff Little has worked in the credit and finance buisness for the past 8 years and invites you to visit his free and informative website at http://www.cleaning-up-bad-credit.com for the latest credit information available. Visit Today!!