Hello and welcome to: Escaping Credit Hell - A Tactical Guide From the Inside. We published this eBook to provide you with an actual behind-the-scenes look at how the major credit bureaus' policies, driven by their greed, are actually contrary to the best interest of American consumers' credit ratings. This never before published information shows how the U.S. public has been intentionally duped by the major credit bureaus into believing their credit scores are actually better than they really are; and more importantly, why. You will learn how to guard against identity theft and effectively remove damaging information that is being misreported on your consumer credit files. You will also learn the difference between your FICO scores versus the 'fake scores' that are being aggressively peddled by the major credit bureaus; and how your FICO credit scores are really calculated. This book does not 'pull any punches' in delivering the hard hitting facts behind the major credit bureaus' overriding profit motives. You will also learn how the credit rating 'game' is actually played between lenders, collectors and the credit bureaus, and how to deal with the unique perspectives of each.