Los Angeles, CA - With the current state of the economy and a downward-spiraling mortgage industry it's becoming increasingly difficult to qualify for a loan - even if you have perfect credit.

Daniel Rosen (a.k.a. "The Credit Doctor") is the author of the America's most popular Credit Repair Software, "Credit-Aid Software." He is also a public speaker who gives seminars on Credit Repair and Credit Building. He enjoys encouraging and empowering people to fight for their rights and to use the credit reporting system to their benefit.

So what does a person do if they have spotty credit? "Credit repair companies can be quite expensive," says Rosen, "and few consumers realize they have the power to achieve all the same results themselves."

Rosen is teaching people how to work the system and repair their own credit -- and he's doing it for free. Rosen has a free credit repair eBook called "Boost your FICO Score in 7 Easy Steps" that you can download for on his website at http://www.creditdoctorsoftware.com/

"Many people never check their credit scores. That's like driving with your eyes closed. Your credit score affects not only whether you qualify for a loan and what rate you'll be charged, but also whether you'll be able to rent an apartment or get a job--employers can legally refuse to hire you based on a low credit score. A low score also means you'll pay higher rates for car insurance because research shows that people with higher scores file fewer claims."

"You don't need software or a credit repair company to improve your credit," says Rosen. "It might save you some time, but they can't do anything for you that you cannot do for yourself for free. The good news is that most people can improve their credit. It's not rocket science. You just have to know the rules -- and how to bend them in your favor."

As the developer of the award-winning credit repair software for consumers, Rosen has won accolades from the high-tech industry and is a twice-featured speaker at the "PC Magazine Awards for Excellence" at Comdex (the computer industry equivalent of the Academy Awards).

Rosen was tired of being bullied by creditors and wanted to take back control. "I tried to refinance my house, but my mortgage company had reported incorrect information to the credit bureaus. Their inaccuracies caused a domino effect on my credit that took months to repair. The whole time I kept thinking that someone should automate this process and Credit Doctor was born."

" I began to put all of my time into developing Credit-Aid Software. I brought in additional programmers, and now, 10 years later, I am very proud of what we have accomplished. This is something that really helps people."

Credit-Aid Software takes a task that's generally overwhelming, stressful and confusing and makes it simple, easy to use and actually fun. The interface is friendly and within minutes a user can obtain free credit reports, generate dispute letters written by an attorney, and quickly be on their way to improving their credit reports, boosting their credit score and keeping it all organized.

Credit-Aid Software is available for purchase at http://www.creditdoctorsoftware.com . It retails for $39.95. Credit-Aid also offers Professional versions for Mortgage Brokers and Credit Specialists. There is also a "try-before-you-buy" free demo version available for download so users can take the program for a test drive before purchase.

Credit-Aid Software has received over 100 "5-Star" Ratings and "Editor's Choice" Awards from notable publishers including; cnet, Tucows, Vista Files and Stuff Magazine.

Daniel Rosen is a software developer and credit expert who has been in the computer industry since 1986. As a computer industry professional, he has twice been featured speaker on the "PC Magazine Awards for Excellence" at Comdex. Rosen has appeared on the Tonight Show and The Late Show. He is a published author and a public speaker who gives seminars on Credit Repair and Credit Building. He lives in Los Angeles and enjoys encouraging and empowering people to fight for their rights and to use the credit reporting system to their benefit.