Repairing Your Credit

More than 30 million have credit problems cause by everything from late payments to bankruptcy. The American Bankruptcy Institute reports that, “The number of bankruptcy cases filed in the 12-month period ending September 30, 2005, totaled a record 1,782,643.”



Whether it’s brought on by personal illness, the loss of a job, or overspending, credit problems can seem overwhelming. To ease the financial pressure you can always,

• Fill out a change of address card at the post office—and then don’t move.



• Ask the IRS to take you off their mailing list.



• Marry your car. Assuming your car produces no income and you file jointly, you can save up to 50% on your taxes.

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