A FAMOUS MAGICIAN once warned his students: "Never tell anyone<br >how you do a nick. People are always amazed when they first see a magic nick，<br >and want to know how it s done. If they find out， they re no longer impressed.<br >They say， Is that all there is to it? Even I could do that. "<br > Credit improvement is a kind of magic. Because the results are sometimes<br >amazing， people often think that something mysterious is involved. Like magic，<br >however， credit improvement is largely a matter of technique: Anyone can do it.<br >The purpose of this handbook is to show you how.<br > Much of the information contained here has never before been made<br >available to the general public. It is culled from confidential interviews with<br >insiders at the major credit reporting agencies， specialized legal publications and<br >court records. Most important， the information here is based on more than ten<br >years of experience in personally assisting hundreds of consumers with their<br >credit problems.<br > Knowledge， of course， is power. And power can be used in many<br >different ways. I sincerely hope you will not abuse the privileged information<br >that is shared with you here. This book was not written for the purpose of either<br >assisting or encouraging any kind of fraud or illegal activity.<br > This handbook was written for the purpose of helping you， the consumer，<br >take full advantage of what you are entitled to. I want to help you make the<br >system work for you， instead of against you.<br > This information can help you better achieve your full potential， to be all<br >you desire to be in life， to enjoy all that you deserve to enjoy. Always remember<br >that credit is a privilege. Use it， by all means， but please do not abuse it.<br > Before we go any further， I hope you don t mind if I tell you a little story.<br >It s the story about how I became involved in credit improvement. I d like to<br >tell it to you because I think my experience may shed some light on the subject as<br >a whole for you.<br > Some time ago， to make a long story short， I was having credit problems<br >of my own. My problem was not bad credit. My problem was insufficient credit<br >(credit history， that is). I had set a very important goal for myself. That goal was<br >financial independence. I soon realized that credit was the key: It s hard to<br >achieve financial independence without leverage and it s hard to have leverage<br >without credit.<br >