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If you get the credit repair book right now and get started using the credit repair tips and hints it contains, while you request the free credit report of yours next year, you are going to be pleasantly surprised. The ideas to improve a credit score will show you methods for doing the own credit repair of yours that you probably never actually thought of. The credit repair book will give you painless tips to enable you to get much better credit as well as better interest rates the when you apply for a loan.