Ever wonder why the 3 Major Credit Bureaus always give you a hard time whenever you attempt to contact them or obtain a free Credit Report or challenge negative items on your credit report or speak to someone about your credit situation?

How to Outsmart the Credit Bureaus book gives detailed information on the very complicated e-OSCAR database system that the credit bureaus operate from and the hidden laws that they do not want the public to know about.

Inside the book How to Outsmart the Credit Bureaus you will find detailed information about a website operated by the Federal Trade Commission called EDGAR.

Did you know that inside the EDGAR website, unauthorized individuals can obtain social security numbers of millions of people who have disclosed this information on different forms and documents submitted to the Federal Trade Commission.

Many people do not understand how easy it is to get personal information on anybody.

How to Outsmart the Credit Bureaus book explains how every individual consumer can protect themselves from the many tactics that the credit bureaus use to gather information on every consumer.

The 3 Major Credit Bureaus will tell you that it is against the law to knowingly dispute accurate information on your credit report and that is it punishable by law.

This simply is not true. An individual consumer has a legal right to investigate every single item inside his or her credit file.

Contact your local Attorney General's Office inside your County or District. You have a legal right to dispute any information on your credit report, even if you believe it is correct. Do your research.