If you're looking for a quick fix credit re-pair book, sorry, this is not the book for you. But if you are looking to be informed on understanding credit, you have found a pot of gold! Most people apply for a credit account without understanding credit. Financial Literacy Made Easy: Credit Edition will give you a different outlook on how financial literacy relates to credit. When you decide to make the commitment to improving your credit history or score, you are going to be very uncomfortable. Would you rather me tell you a beautiful lie, or would you rather have me tell you the ugly truth? Financial literacy and credit are closely related. Your credit is resilient; there is nothing you can do to that can destroy your credit score forever! Bankruptcy, foreclosure, late payments, charge-offs, judgments, collections, repossessions, student loans, and rental eviction can decrease your credit score and affect your credit history, but this is only temporary. If you have the correct information you can always repair and rebuild!