The insider's guide to managing your credit: how to establish, maintain, repair and protect your credit. Buy this book now   Getting Your First Credit Card talks candidly about the benefits and the dangers of credit cards, arming young people to battle financial temptation. Buy this book now   Would it make you happy to know that the longer you delay in paying off your credit card balance the more money the companies make off of you? Buy this book now Helpful resource links for future reference: The Fair Credit Reporting Act – has prepared the following complete text of the Fair Credit Reporting Act Federal Trade Commission – A comprehensive guide for consumers. To receive a copy of your credit report, simply link through to one of the three national credit bureaus. Your credit report may vary from one bureau to another, so you may want to check all three. Fees may apply. Equifax – The leading provider of critical unformation to businesses, consumers and the public sector. TransUnion – Credit reports and business services from a leading information solutions company. Experian (formerly TRW) – Everthing you want to know about your credit.