Bad credit is no joke! When your credit is screwed up its hard to get life done. The best cellphone deals requires good credit. Both moving into a new apartment, and renting a truck for the move, requires good credit. Today, many employers will deny you employment because of bad credit. Bad credit can be the beginning of a downward spiral that can screw up your financial life for many, many years into the future! This book includes my personal experiences and my professional expertise as a former Chicago Banker about the doÕs and donÕts of credit. It answers the most often asked questions about how to establish, use, and maintain excellent credit.