I want to thank you in advance for your assistance with this matter. I recently as of last year fell on hard times and was out of work for most of last year, in that time I was unable to pay my bills and a lot of it went into collections. I have a few charge offs and late payments on my credit about 1200 to 1500.00 worth to give a figure. I would like to get some reccomendations on books that I can purchase that woud be helpful on educating myself improving my credit score while I am repairing it. I found a book called "The Credit Secret Bible" I would like to know if that is any good. Thanks in advance for your hep!!