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<H2 style="MARGIN: 12pt 0in 3pt"><A name=_Toc165173387><EM><FONT 
face=Arial>Excert</FONT></EM></A> from the book</H2>
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<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN 
style="FONT-FAMILY: Arial">Establishing a good credit history has never been 
more important as it is today.<SPAN style="mso-spacerun: yes">&nbsp; </SPAN>Poor 
credit can make it difficult to get loans, insurance, or even a good job. Anyone 
who has never used credit, does not have credit, or has a poor credit history 
needs to build a good credit history and will benefit from the information 
presented in this book. The information in this book has been very useful to 
college students and young adults just starting out, and immigrants who may not 
yet have established a credit history in the U.S.<BR 
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<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN 
style="FONT-FAMILY: Arial">The purpose of this book is to show you how you can 
build credit from ground zero and in a short time establish good credit in your 
own legal name, saving you time and money on expensive legal, financial and 
service fees. <o:p></o:p></SPAN></P>
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style="FONT-FAMILY: Arial">&nbsp;<o:p></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN 
style="FONT-FAMILY: Arial">This is accomplished by showing you street-wise 
tactics and techniques that will help you build credit including examples of 
what to avoid. The examples and illustrations in this book are for example 
purposes only and may not be exact or precise. <o:p></o:p></SPAN></P>
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style="FONT-FAMILY: Arial">&nbsp;<o:p></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN 
style="FONT-FAMILY: Arial">You will also learn some of the common pitfalls to 
avoid so that you may not fall into challenging credit situations. You can also 
use the techniques and information contained in this book to help you rebuild 
your credit if your credit history has been challenged.<SPAN 
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<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN 
style="FONT-FAMILY: Arial">The information is this book is very helpful and is 
not designed to explicitly replace legal or financial professionals. It is 
always wise to consider or consult legal and financial professionals when 
necessary.<o:p></o:p></SPAN></P>
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style="FONT-FAMILY: Arial">&nbsp;<o:p></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN 
style="FONT-FAMILY: Arial">Table of contents:</SPAN></P>
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style="FONT-FAMILY: Arial">&nbsp;</SPAN></P><SPAN style="FONT-FAMILY: Arial">
<P class=MsoToc2 
style="MARGIN: 0in 0in 0pt 12pt; tab-stops: right dotted 431.5pt"><SPAN 
class=MsoHyperlink><A href="#_Toc165173386"><FONT face="Times New Roman">Table 
of Contents<SPAN 
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style="mso-tab-count: 1 dotted">. </SPAN></SPAN><SPAN 
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<P class=MsoToc2 
style="MARGIN: 0in 0in 0pt 12pt; tab-stops: right dotted 431.5pt"><SPAN 
class=MsoHyperlink><A href="#_Toc165173387"><FONT face="Times New Roman">The 
Purpose of This Book<SPAN 
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style="mso-tab-count: 1 dotted">. </SPAN></SPAN><SPAN 
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<P class=MsoToc2 
style="MARGIN: 0in 0in 0pt 12pt; tab-stops: right dotted 431.5pt"><SPAN 
class=MsoHyperlink><A href="#_Toc165173388"><FONT face="Times New Roman">Your 
Credit Score<SPAN 
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style="mso-tab-count: 1 dotted">. </SPAN></SPAN><SPAN 
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<P class=MsoToc2 
style="MARGIN: 0in 0in 0pt 12pt; tab-stops: right dotted 431.5pt"><SPAN 
class=MsoHyperlink><A href="#_Toc165173389"><FONT face="Times New Roman">Opening 
and Closing Credit Accounts<SPAN 
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style="mso-tab-count: 1 dotted">. </SPAN></SPAN><SPAN 
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style="MARGIN: 0in 0in 0pt 12pt; tab-stops: right dotted 431.5pt"><SPAN 
class=MsoHyperlink><A href="#_Toc165173390"><FONT face="Times New Roman">High 
Interest Loans<SPAN 
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style="mso-tab-count: 1 dotted">. </SPAN></SPAN><SPAN 
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<P class=MsoToc2 
style="MARGIN: 0in 0in 0pt 12pt; tab-stops: right dotted 431.5pt"><SPAN 
class=MsoHyperlink><A href="#_Toc165173391"><FONT face="Times New Roman">Credit 
Card and Revolving Credit Balances<SPAN 
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style="mso-tab-count: 1 dotted">. </SPAN></SPAN><SPAN 
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style="MARGIN: 0in 0in 0pt 12pt; tab-stops: right dotted 431.5pt"><SPAN 
class=MsoHyperlink><A href="#_Toc165173392"><FONT 
face="Times New Roman">Installment Loans<SPAN 
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