Customer Reviews

Credit Repair

5 star:		(36)
4 star:		(22)
3 star:		(15)
2 star:		(5)
1 star:		(1)

 

 

I was in the middle of a credit disaster. I was in serious debt, and my credit was a mess. I had at least five R9 credit write-offs with all the major credit bureaus. This book empowered me to save my credit, and get out of debt. It even has pre-typed letters to send to creditors and credit bureaus. Which I used a lot.

You will find concrete advice, that really works, in this book. It tells you how, and how not to go about fixing your credit. It will show you how and why the quick-fix-it books don't work. How "File Segregation" is a border-line illegal tactic, that is unsafe and doesn't work. It simply and clearly teaches you what does work, and how to put your new found knowledge of the credit laws, and your rights as a consumer to work for you.

You will not be disapointed with this book. The only people that will not like this book are the people that are looking for quick-fix tactics that are illegal or questionable at best, and I am not one. I overcome my credit and debt problems the right way, thanks to the "Credit Repair " book, and you will too!!!!!

Here's a fact: If you keep sending a letter every month disputing something on your credit report that is TRUE you will eventually get it taken off. Eventually you will get that slacker who just wants to go to lunch early, and just hits the okay button.

Here is another fact: There are tips and tricks you can use to remove anything, and this book doesn't contain any of them. For example, if you have a bankruptcy, send to the court that currently holds the paperwork and ask them for a copy of anything they have provided Experian, Transunion or Equifax. They will reply with a letter stating that they do not provide information to credit reporting agencies. Now dispute your bankruptcy with all three bureaus. They will all claim to have verified it, and list the court as the source. Reply with a copy of the letter, showing them you caught them in a lie, and demanding they remove the mark, which they FAILED to verify inside of 30 days.

Having been in the business, I know hundreds of these proven strategies, and none of them are listed in this next-to-useless book and CD on "Credit Repair".

You will do far better getting on a credit repair message board than shelling out your hard earned money on this book.

This book was so helpful, I just can't uderstand the bad reviews! Thanks to Credit Repair I've gone from being up to my ears in debt to having near perfect credit! Of course this kind of result isn't going to happen over night, any one who tells you otherwise is lying or doing something illegal. THERE ARE NO LEGAL QUICK FIXES!!! I've tried many different methods to improve my credit but following the advice in this book is the only one that worked for me. It even contains a CD-ROM with pre-made forms and letters that help to make the process as easy and painless as possible. Credit Repair was worth every cent!

I found this book to be very informative and helpfull. I have used it has a guide in helping repair my own credit. I recommend it to many.

As someone who worked in the finance arena for years, including direct work for one of the major credit agencies, I was a little skeptical about getting this book. Things change so fast from one year to another and I figured that I'm not at the stage in life to make drastic changes on my spending. Plus I was happy with my budgeting. Was I in for a surprise! The book is indeed very up to date for this year, but what stood out for me are the ideas on how to handle budgets and existing debts - with specific options listed. The book has an array of forms you may need to repair your credit, and you can get free updates to keep up with current trends in the field. And in addition to that, you may find simple ways to improve your credit rating for the next time you need to make a major purchase.

The book is actually very short - with solid advice and lots of sample forms and letter examples. The short story is that there really is no way to repair credit quickly - it just takes time and diligence.

This book can help shorten that time and make the turn around faster and less costly. For this reason alone - it is easily worth what you would pay to by it.

Ok, by now you should know that most of the credit repair books all say basically the same thing: Contact all three credit-reporting agencies, get copies of your credit report and challenge everything that is not 100% accurate until it gets removed. After correcting your reports, then you begin to repair your credit by paying all your bills on time, open a checking account, and do not bounce any checks.
You might even open up a savings account and then take out a loan just to pay it back, thus improving your "credit worthiness" (First, ask the bank if the loan will be reported to a credit agency in order to make sure it's worth your while)
Another great thing about this book, which makes it different from most other credit repair books is that it contains PLENTY of tear-out pre-written letters in the back of the book. Just pull-out and mail, very simple.
The other book I recommend is: "BestCredit: How to Win the Credit Game" , written by Dana Neal.

It takes some work but Oh what a relief it is when you are finally out from under. In this modern world, if you are living on "the Grid" then you are going to have to have a good credit score to get by in life.

Best of Luck !

I got this book for a friend with a couple credit issues she is wanting to clean up. This is her synopsis:

This book is intended for people with basic/recent debt (such as a late utility bill, a late credit card bill, falling behind due to recent unemployment issues), and it deals with basic credit issues. It's really not useful for someone with old debts (more than a year or so), &/or multiple credit issue. This book is almost worthless for dealing with old debt.

The problem is that debt is sold from one collection agency to another - and this book offers little to no advice on how to track it down, and make sure the person you are paying is *actually* the owner of the debt. (Yes, this happens a lot - you think you've paid off a card, only to find out they've sold your debt to somebody else, and you've been suckered into paying twice).

It's somewhat ridiculous, but they advise that you call the collection agency. DO NOT do this. Save yourself a LOT of headaches - do everything in WRITTEN form, via certified mail. Collection agencies are liars and high pressure salesmen - they will try to coerce you to give your bank account numbers and personal information over the phone. They do not want to settle your debt over the phone - they want to gauge how much they can bleed you.

My friend has tried calling these people multiple times, offering to just send them a check - that's not good enough. And then, they have your phone number on caller ID, and they WILL harass you. This is awful advise on the part of the authors - do not ever call a collection agency. Do it all by certified mail.

The book offers some basic advice on dealing with collection, nothing you can't find on Google. In fact, there is much better (and much more thorough) advice on Clark Howard's web site. He is a great resource, an it's free.

However, the forms are worthwhile, and my friend used several of them. They are in print and also on CD-Rom. But again, these are widely available for free online (including Clark Howard's web site).

This book does explain the credit process, and the different types & calculations of credit scores. Once again, though, this is a case where the book is outdated before it gets printed. The credit score formulas are changing, and though this book will help you understand the "universal" credit score, the three primary credit reporting agencies are changing their formulas to be unique and proprietary.

In conclusion, this book would be useful only to a fraction of the people who would be tempted to pick it up. I hope it works for you - it didn't work for us. 2.5 stars.

There is no quick fix when it comes to credit repair. It can take months and even years before you see results. This book is definitely one of the best resources and starting points to fixing your credit.

Everyone has different circumstances, from being victims of identity theft, loss of employment, to disaster, etc... Life happens! This book is a wealth of information that will help guide you and assist you with the appropriate available forms on the enclosed CD.

What ever your circumstances may be, here is your starting point. You owe it to yourself and/or your family to start living a better life. Don't waste time thinking about repairing your credit, start acting on it. The more time you spend think about doing it, is time wasted.

Most of the information contained in this book is easily accessible online for free by using Google to search for credit repair, but many noobs will find it more convenient to have all the information in one easy to navigate book. Overall, the book is really well written and information flows in the logical order. I also like how the book has many quotes from experts in the field so you know the information they are giving is accurate. The biggest reason for ordering this book is the included CD which includes all the forms, and letters that you would need for repairing your credit. Again, much of this is available free online but many will find this much easier.

Overall, I'd recommend this book if you aren't comfortable using Google and browsing the internet for answers. It's well written and will actually help you repair damaged credit.