The Insider's Guide to Credit Repair by K. E. Varner.  I've read many books on credit and this is one of the better ones. This book is definately informative. It not only helps you understand ways to repair your credit, but gives you knowledge of how to make responsible decisions in using credit.  It covers every aspect of credit from the major players, credit scores, and how to reestablish and establish credit.It's very easy to follow, up-to-date, comprehensive. Highlights- a great chapter on credit scoring and improving your score; a good section on finding a good credit counselor; establishing and re-establishing credit, negotiating with collectors and I liked the tests after each chapter. This book is a must read!