DO NOT ALLOW BAD CREDIT TO RUIN YOUR LIFE! Your credit score is one of the most important numbers that will ever be attached to your name. Credit is the deciding factor in whether you will be approved for a mortgage, car loan, credit card, or employment opportunities! Remove negative items from your credit report and TAKE CONTROL OF YOUR FINANCIAL FUTURE TODAY! Perfect Credit in 12 Months is a self-help financial recovery tool for anyone with a negative credit history looking to correct the financial errors of their past. An instruction manual detailing proven techniques and strategies to improve credit, lower debt, and accelerate the increase of credit scores.