Creditmedic +

Roughly six in ten Americans have been hurt by a bad credit report, and more than three-quarters of credit reports contain some kind of inaccuracy. The author contends that the advertising of credit bureaus and credit card issuers often pulls ordinary consumers into arrangements that can end in serious financial trouble.

CreditMedic is offered as a program for repairing old credit problems and rebuilding one's financial standing. This new edition is a course of credit restoration materials that readers work through over 12 to 24 months.

The author lays out an example: about 2 to 4 hours a month over that period adds up to roughly 40 hours of focused effort. If that work raises your credit scores enough to qualify for a home loan rate 2% lower, the author estimates the savings on a 30-year mortgage at more than $100,000, which he puts at about $2,500 for each hour spent.