Bad credit is a fact of life for millions of Americans. Americans are filing bankruptcy by the millions each year due to poor financial judgement and management. Credit Emergency Surgery is based on the fact that the average person does not know how important good credit is until they have embarked on a financial endeavor in which having a good credi history is an integral part of the equation. Credit issues are usually the factors that delay the close of the transaction. The effort of this book is to assist the reader by identifying steps to resolve credit issues.