Amazon.com: The Credit Repair Kit: Understanding Your Credit Reports : Protecting Your Legal Rights : Correcting Credit Bureau Mistakes : Rebuilding Your Credit (9780793105182): John Ventura: Books

Book Description

Publication Date: July 1993

Instructs readers on how to gain access to a credit report, the contents of a credit report, taking a credit bureau to court, correcting inaccurate information, and other advice. By the author of The Bankruptcy Kit. Original.

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Editorial Reviews

From Library Journal

According to a May 1991 Consumer Reports article, each year approximately three million consumers ask to have their credit reports changed because they contain wrong information. Both these books serve the needs of consumers who attempt to combat and correct the giant credit reporting agencies such as TRW, Equifax, and Trans Union. Ventura ( The Bankruptcy Kit , LJ 6/1/91; Fresh Start , LJ 8/92) succinctly explains the credit reporting process, using examples of actual credit reports from the "Big Three" agencies. He then shows readers how to correct reports, using written communication and, as a last resort, small claims court. Along with a warning against unethical companies that offer expensive credit repair services, the book contains instructive chapters on women and credit, divorce and credit, and preserving privacy. Hammond, an author of several books on credit, including Life After Debt (Paladin, 1992), describes the difficulties people have with credit and how to negotiate favorable repayment plans with creditors. He also includes a too-brief chapter on bankruptcy. The second half of the book deals with credit repair, as does Ventura's book. It also describes in 12 pages the ethically questionable process of taking advantage of agencies' file-retrieval systems to establish a "new" credit file. Both books on this high-demand topic are recommended for public libraries. If only one can be purchased, choose Ventura's, which is more focused and better written.
- Robert Kruthoffer, Lane P.L., Hamilton, Ohio
Copyright 1993 Reed Business Information, Inc.