Bad credit is easy to fix with the right tools. When bills pile up and debt collectors begin harassing you life begins to become stressful, you become embarrassed from being denied a loan for a car, house or any other loan you try to apply for. It seems like their is no end in sight. But you can relax as The Credit Ninja was written by someone like you who has had credit problems. But used the tools, techniques and laws that are laid out in detail to increase his credit score. The tools in this book include: How to put an end to debt collector harassment. How to use the FDCPA to your advantage. How to sue abusive debt collectors. statue of limitations are in your state on debt. and much much more. This book is easy to understand and contains all the tools and form letters that you will need to get you back on the road to credit worthiness.