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Your credit score affects every aspect of your financial life including qualifying for loans and mortgages, low interest rates, housing, employment opportunities, and even insurance premiums. Millions of Americans have negative, inaccurate, and unverifiable information on their credit report. Repairing your credit profile is one of the most important financial decisions you can make. You re about to take the important step of taking control of your credit! If you re like the average American, having improved credit will save you thousands of dollars on your loans and credit cards. You do not need a credit repair clinic. Save the money. Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost using the plan in this new book. There are federal laws in place to make sure that you can repair problems on your credit report and increase your credit score. These laws are found in the Fair Credit Reporting Act. This book will show you how to use your legal rights to increase your credit score. You will learn how to remove questionable items from YOUR credit reports, including: late payments, collections, judgments, liens, charge offs, bankruptcies, foreclosures, repossessions, and identity fraud. This new book will be your road map to credit repair information, and give you tips on how to maintain a stronger credit profile, repair bad credit, improve credit scores, and correct personal information.
Much better Advice from this writerReviewed by Mark Holman, 2009-12-24
I bought this book and was very informative, I am working on my
credit report, and YES it does matter on your credit score and I
wished I had this book sooner.
Thanks to the Writer for publishing this book.
DisappointedReviewed by Frank R. Wojtylak, 2009-08-16
This book is too much "theory" and not enough practical applied
knowledge.
I wanted some real assistance with real examples.
Very BasicReviewed by K. Whitaker, 2009-04-19
I bought this book and "Best Credit..." by Dana Neal at the same time. I read this book after "Best Credit...", but should have read it first to get a basic understanding first. "Best Credit..." was VERY thorough and very detailed, but this gives a great overview of everything! Bottom line: read this book before any others to get an overview and basic understanding of things relating to credit.
Credit Laws revealedReviewed by R. HOLMES, 2009-03-13
This book is very easy to comprehend and an easy read. I applied
some of the techniques, written here,the day after I opened it..
This seller also cares the customer. I had an overall great
experience dealing with the seller and the author(s) of this book
is dead-on point also. No need for average citizens to buy other
expensive credit repair gimmicks,this book guides one into
performing many of their own tasks to repairing credit scores and
ratings.
Good source to get back on trackReviewed by Gerald Shaw, 2007-10-19
I wish I had this book a few years ago. It would have saved me from
a few problems I could have easily avoided, even though I thought I
was Mr. Know-it-All when it came to credit and debt.
It gives you the low-down on how credit scores are figured out, the
agencies that do the reporting and how you can be in trouble based
on the number of accounts you have, collection actions against you,
past due payments and delinquent accounts.
OK, so you're faced with mounting debt. Relax. You can get back in
the game by determining what is causing your growing money
problems. The author explains in detail how to use debt-to-income
ratio calculations to lower your debt in your monthly budget while
including necessary savings in those budgets, as well as using
credit counselors, negotiating a payment plan with creditors and
other helpful methods.
The book points out how to open safe accounts that will show
potential creditors you can pay your bills and save money, and how
you can correct inaccuracies in your credit information.
Burrell details the different types of cards and loans to look for
in order to maintain a good credit rating on your path to recovery.
The more you understand credit, the better you are able to take
advantage of the options available, the author explains.