Unbeknownst to most consumers, a negative credit status can cripple various areas of both your personal and professional life. One key area that is often overlooked is the ability to obtain employment and/or professional licensure. Currently, there are only eleven states that have passed laws limiting the use of employment credit checks. What type of information will an employer have access to through the job applicant's credit/consumer report? If you'd like to know the answer... read page 13. Have you ever wondered why you can apply for a loan and be denied, but the very next day apply for a different type of loan and get approved? This happens more frequently than the average person is aware of. If you'd like to understand why this happens ... read page 49. Did you know that NOT ALL inquiries affect your credit score? This book debunks this myth and 29 other top myths regarding credit. If you would like to know what they are... read page 45. New and upcoming innovations in the credit industry that measure one's credit worthiness with non-traditional elements such as social media posts is on the rise. Want to know how this may directly affect you... read page 55. As you journey further into this book, your knowledge base of how FICO scores, credit reporting agencies, creditors and the government all work together to formulate our current credit reporting system will expand. This information can forever change your buying and payment habits. Enter at your own risk!