Good news for hard economic times.

During this recession, even people once considered prime customers have watched their credit ratings decline. This guide shows these readers how to reestablish their credit and increase their credit scores. Topics include: the ins and outs of credit scores; where to get credit reports and how to identify mistakes; how to take advantage of consumer protection laws; telephone scripts and a letter to use when communicating with creditors and bureaus.

?In 2008, over two million Americans lost jobs, and one out of every 10 mortgages were one month or more behind in payments

?Author is a sought-after expert on personal financial planning, featured in Money Magazine, Family Circle, Women's Day, and on CNBC and CNN