I found a fantastic e-book on improving credit scores and repairing poor credit. I was able to download this from http://www.thebestever.net/credit/creditscore.asp. I learned tricks in dealing with creditors and how to approach the credit bureau. This book was packed with useful information as well as phone numbers (which are hard to find) for these bureaus. In taking these few easy steps I was able to bump my score up in order to get a great interest rate on my car loan. This book is so reasonably priced and well worth the price of just 12.95. I can’t afford to spend the money on a credit consolidator and this book gave me the answers I needed to do the work myself in a step by step explanation. I encourage people to check this out!