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3 of 3 people found the following review helpful
on February 23, 2012
Format: PaperbackVine Customer Review of Free Product( What's this? )
I today's economic climate, I thought a book on credit management would be a wise choice. This book is not just on handling bad credit probloms, it is a GREAT resource on avoiding those problems in the first place! I like that the author, Steve Bucci, is the "former president of the Consumer Credit Counseling Service of Southern New England, former managing director of the Center for Personal Financial Education at the University of Rhode Island" as well as a nationally syndicated columnist. This gave me some initial confidence, and the contents of the book only made me more satisfied that this was a book with valid advice -- so important when it comes to financial advice.

Because "credit management" could mean so many things, I'll list the contents, so you can better determine what this book addresses:
Part I: Credit Management: An Essential 21-st Century Skill for Financial Success
Ch 1: Introducing Credit Management Essentials in a Tightened Credit Market
Ch 2: Gaining Control of Your Credit
Ch 3: Taking a Sustainable Approach to Your Financial Environment
Ch 4: Creating a Spending (And Savings) Plan for Your Future
Ch 5: Protecting Your Credit in the Post-Financial Meltdown World
Part II: Writing on Your Personal Credit Wall: Credit Reporting and Scoring in the Facebook Age
Ch 6: Discovering How Credit Reporting Works
Ch 7: Understanding Credit Reports and Scores
Ch 8: Monitoring Your Credit Reports and Scores
Part III: Creating Solid Credit Strategies for Every Stage in Life
Ch 9: Building Credit: Getting Started (or Restarted) in Life
Ch 10: Accounting for the Effect of Life's Necessities
Ch 11: Keeping Your Credit Great When Faced with Major Life Events
Ch 12: Controlling Access to Your Identity
Part IV: Navigating Negative Credit
Ch 13: Turning Your Credit Around
Ch 14: Polishing Your Credit Reports
Ch 15: Getting the Best Help for Bad Credit for Free
Ch 16: Coping with Bad Credit and Debts
Ch 17: Managing Credit in a Mortgage Crisis
Ch 18: Working with Collectors, Lawyers, and the Courts to Manage Credit Debt Obligations
Ch 19: Minizizing Credit Damage in a Bankruptcy
Ch 20: Repairing Identity Theft Credit Damage
Part V: The Part of Tens
Ch 21: Ten Consumer Protections Everyone Needs to Know
Ch 22: Ten Tips to Achieving Stellar Credit
Ch 23: Ten Ways to Successfully Manage Financial Emergencies

This is a great book. I found the depth of coverage to be just right. It's easy to understand, but not shallow. Bucci explains things well and has a solid understanding of the topic. Reading this book gave me confidence in handling my credit, and I will keep the book around to referr to in the future.

I love that this book includes two chapters on identiy theft and it's impact on your credit.

Highly recommended. I will be buying a copy for my sons when they go to college in a few short years, and would suggest that this makes a great high school or college graduation gift (along with a nice check or a fun gift too)!
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3 of 3 people found the following review helpful
VINE VOICEon April 5, 2013
Format: PaperbackVine Customer Review of Free Product( What's this? )
Well this book has obvious tips that everyone knows, Never make a late payment. Don't let your balance get too high. But it also has detailed instructions for things you may not know or don't want to go to the trouble to do, like how and where to write to get incorrect things off your credit score. All the information is good, but if you are hurting for money it may not be possible or practical. Of course if you are THAT hurting for money, you probably aren't going to buy a book. It has good information laid out in a logical order.
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2 of 2 people found the following review helpful
on November 18, 2011
This book was great. After college I had no idea what I was doing, and though I took advice from a lot of people, there was a lot of confusion left over. This book really helped me get my head on straight, and the language was so simple and straight forward that it saved me from a lot of head ache!
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1 of 1 people found the following review helpful
VINE VOICEon November 14, 2011
Format: PaperbackVine Customer Review of Free Product( What's this? )
CREDIT MANAGEMENT KIT FOR DUMMIES provides considerable basic but practical information about credit reporting and credit repair which is likely to be particularly useful to those who are new to establishing credit and checking their credit reports. Those of us who have been dealing with credit-related issues and receiving our credit reports for years may only need to skim some of the chapters, and to only read in full the ones that address our particular concerns.

Author Steve Bucci discusses in detail a wide variety of concerns in 23 chapters which include such topics as: understanding credit scores, credit reporting, protecting and building credit, dealing with negative credit, creating a spending and savings plan, and polishing credit reports. He also includes chapters pertaining to working with collectors and lawyers, and dealing with credit in relation to financial emergencies, mortgages, bankruptcy, and identity theft. The book ends with chapters on ten tips - ten consumer protections, ten tips for achieving stellar credit, and ten ways to successfully manage financial emergencies.

Although he is sometimes repetitious (e.g. check your credit reports several times a year!), Bucci's writing is well-organized, easy to understand, specific, and oriented toward practical action. Personally, I most benefited from the dozens if not hundreds of web site links and agency listings which he recommends, since differentiating the reputable resources online from the unreputable ones is not an easy task. His specific suggestions for building and repairing credit - such as locating free secured credit cards and taking loans against passbook savings - are also likely to be helpful to readers who are struggling with poor credit ratings (which for many of us are due to circumstances such as medical expenses out of our control).

The book also includes a cd loaded with financial shareware and freeware, copies of relevant legislation, sample credit reports, and templates for writing letters to creditors.

CREDIT MANAGEMENT KIT FOR DUMMIES is a very thorough resource for learning the basics of credit management and receiving pointers for further sources of legitimate help. Those readers dealing with debt issues related to such specific concerns as identity theft, mortgages and foreclosure or bankruptcy may need to consult books dedicated solely to such topics, and most likely a credit counselor and/or attorney as well. But this book is an excellent beginning.
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1 of 1 people found the following review helpful
on July 27, 2013
A very helpful resource for anyone wanting to gain a better understanding of
- the importance of credit scores
- how to (re)build a good credit history
- how to obtain, read and correct your credit reports
- how to prevent and handle identity theft and bankruptcy
- some of the recent laws that protect consumers - for example, when and how frequently you are entitled to a free credit report

It also includes:
- budget worksheets
- how to set financial goals for different phases in your life
- how to opt out of preapproved credit offers
- a list of specialty credit-reporting bureaus and their contact info - did you know your insurance claims and prescription drugs are reported (auto, home, medical)?
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1 of 1 people found the following review helpful
Format: PaperbackVine Customer Review of Free Product( What's this? )
. . . not really distinguishing itself from other books on the same subject. (For the record, I preferred the one published by "Nolo".)

The book is useful in that it compiles together in one volume a host of valuable information/sample forms/additional resources, etc. It just doesn't stand out as "special".

One lack which I did notice, is that virtually nothing was mentioned (a mere paragraph or two) about managing credit with regard to student loan issues -- and if the business writers are correct, this is going to be a huge issue in the coming years; affecting more people, and to a greater extent, than credit card or car loan issues.

Just a thought for the next edition . . .
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on October 14, 2011
Format: PaperbackVine Customer Review of Free Product( What's this? )
I enjoy the '... for Dummies' books. They are great; simply written, well organized, and no BS. The 'Cliff Notes' of non-literary subjects.

This one was particularly nice. While most people assume 'Credit Management' is code for "fixing your bad credit" it is so much more than that. While this book expertly covers ways to fix your damaged or bad credit, it also has ample explanation on methods to maintain or improve already good credit, or push 'good' credit into an 'A+' credit score.

Considering bad credit can impact you worse than a felony conviction in many instances, and being in that 'A+' or 'top rated' credit group can make HUGE differences in interest rates and available programs, EVERYONE should know the information contained in this book.

While there are technical books that cover this same material, many in more depth, lets face it.... I am not going to sit through reading one and its likely you wont do that either. This book allows for specific issues to be searched, or a tolerable read if you choose to go all the way through. Unless you are writing a paper, or work in the credit industry, this book will cover all you need to know on the subject of credit management, and it is markedly easier to get through than the others.
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Format: PaperbackVine Customer Review of Free Product( What's this? )
I have always been pleased with the "For Dummies" series of books, and this one is no different. The book is divided into five parts, with the first part being an introduction to credit, and why it is important to take care of one's credit in a tightened financial market. The second section is all about personal credit, including understanding credit reports and monitoring. Part three discusses how to create solid credit during various stages of life. Part four teaches the reader how to deal with negative credit, and part five is the "part of tens" which is featured in every "For Dummies" book. Overall, this book is well written, and Mr. Bucci seems be be knowledgeable about the current state of the financial industry. His main point seems to be that even if you have "good" credit, in the current economy, "good" is not always "good enough." Consumers today need to be proactive in managing their credit scores to ensure that the "magic number" stays as high as possible. On the other hand, if your credit is already suffering, and you need information on repairing your credit report, and raising your FICO score, you may want to check out Credit Repair Kit For Dummies
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1 of 1 people found the following review helpful
on July 5, 2013
This book has been helpful to me for re-establishing my credit. I would recommend it to others trying to improve their credit situation.
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VINE VOICEon October 11, 2011
Format: PaperbackVine Customer Review of Free Product( What's this? )
Credit Management Kit for Dummies is really for smart people. This guide has it all to help you keep or obtain a great credit score. I particularly liked the chapters on Turning Your Credit Around and Ten Teps to Achieving Stellar Credit. There is information for everyone in this book. I also liked having the names and phone numbers/websites of the three major credit reporting agencies. I keep finding more and more information that I need and I highlight in the book. This will be one I refer to a lot!
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