Credit Repair: What the Credit Industry Doesn't Want You to Know [Paperback]

Richard DiMaggio (Author)

Book Description

Publication Date: August 15, 2003

The term credit repair has been used repeatedly to scam consumers. Richard DiMaggio, and attorney and consumer advocate, uncovers the scans promising a new credit identity, and teaches consumers and lawyers in straight forward language the truth about credit repair. Comes with sample legal meanings.

Editorial Reviews

Review

"If you want a comprehensive, easy to understand, step-by-step guide, then this is the only book you need." -- Kevin Hocker and David Fielder, Mortgage Consultants

"Rich DiMaggio has succeeded in writing a credit repair book that is both easy to understand and effective." -- Kevin Hocker and David Fielder, Mortgage Consultants

"This book exposes the disinformation designed to dupe the consumer into parting with their hard earned cash." -- Ralph Cummings, JD, Mortgage Broker

"This book exposes the disinformation designed to dupe the consumer into parting with their hard-earned cash." -- Ralph E. Cummings, Jr., JD

"This is one book no one should be without" -- Nashville News

This is one book no one should be without. -- The Nashville News

From the Publisher

Credit Repair? Rich DiMaggio has made a lot of enemies with this book. He exposes the underbelly of the credit industry by telling you how--and when--you can sue credit reporting agencies (please get a lawyer). But he has made other enemies, as well: Those in the credit repair business, who think they have a magic bullet to help you get good credit. There is "nothing new" in credit repair--He offers you what you can do, what you can't do, and when you can sue the credit industry. Do not be fooled by shananigans losing money because of this book.

About 10% of this book overlaps Rich's other book, Collection Agency Harassment. That book exposes debt collection and the grief they cause consumers, and teaches you how to sue the debt collector. Credit Repair is aimed at just credit repair, but much of what is on our credit reports is a result of....debt collectors.

If you are looking for a magic bullet and lies, buy another book.

See all Editorial Reviews

Product Details

• Paperback: 112 pages
• Publisher: Archimedes Press, Inc. (August 15, 2003)
• Language: English
• ISBN-10: 0971711925
• ISBN-13: 978-0971711921
• Product Dimensions: 8.8 x 5.9 x 0.3 inches
• Shipping Weight: 4 ounces
• Average Customer Review: 3.6 out of 5 stars  See all reviews (17 customer reviews)
• Amazon Best Sellers Rank: #1,585,926 in Books (See Top 100 in Books)

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Customer Reviews

Most Helpful Customer Reviews

88 of 92 people found the following review helpful:

3.0 out of 5 stars Slightly misleading title..., March 28, 2005

By 

Christy L. "scrappy_mom" (Houston, TX) - See all my reviews

This review is from: Credit Repair: What the Credit Industry Doesn't Want You to Know (Paperback)

This book is an excellent resource if you need to learn how credit reporting and collection agencies work. However, most people trying to repair their credit need you to get to the actual meat and potatoes of the subject.

Although this book is titled "Credit Repair", it does not offer much in the way of advice on how to go about repairing. The book touches on how to dispute debts you have paid, and how to remove items that should be gone due to bankruptcy. I think most people will agree these are not the issues they are facing.

I am currently going through the tedious process of cleaning up my credit report. I made poor decisions as a "new adult" and I am now financially able to begin cleaning up the mess I've made of my credit report. This book did not offer solutions that would help me.

I highly recommend Best Credit, by Dana Neal, if you'd like thorough, amazingly detailed information on what, when, where, why, and how to repair your credit. I have personally used this book with amazingly success.

I am not discrediting this book, please don't misunderstand. There is valid and useful information in it for the complete credit novice. I'm simply saying it's very broad-spectrum. Unless you're looking for information on the general way things work, this is not the book for you.

22 of 23 people found the following review helpful:

5.0 out of 5 stars The Most Honest Book You'll Find, April 29, 2004

By 

petiteoneandhappy "petiteoneandhappy" (New York, NY) - See all my reviews

This review is from: Credit Repair: What the Credit Industry Doesn't Want You to Know (Paperback)

I have bought other so-called "credit repair" books, and they were baloney. This book is short, concise and to the point. There is nothing else you need. If any book promises you anything else, they are pulling your leg.

I saw this author speak at a seminar, and he rocks. He is a well-known consumer advocate, and tells it exactly like it is.

I highly recommend this book, obviously. He discusses a variety of different topics, and how to handle bankruptcy issues, charge offs, divorce matters, and yes collection accounts.

I did also read his book Collection Agency Harassment. It is entirely different. Obviously some stuff overlaps, but certainly not all of it.

51 of 62 people found the following review helpful:

5.0 out of 5 stars THIS IS WHAT WORKED FOR ME..., December 24, 2003

By 

Abe Vigoda "part-time inventor" (Vermont, USA) - See all my reviews

This review is from: Credit Repair: What the Credit Industry Doesn't Want You to Know (Paperback)

I guess the author chose a different publisher for cost reasons because I have read both his books and they are exactly the same just that this one is half the price!
The advice he gives is very effective. No need to feel nervous when speaking with those tough-talking COWARDS hiding behind the phone lines as they say things which you know they would never say to your face. The fact of the matter is that there is a law on the books which stops them from phoning you but you have to say the magic words... "I want you to stop calling me, cease all phone communications with me" It's that simple. Don't have conversations with these people, as they work with scripts. They have answers to every possible excuse you can come up with. So just tell them to stop calling even before they start then hang-up in their face. You might get one that calls back, to whom you simply say, "I told you to stop harassing me but your disobeying me so from now on these calls will be taped." Belittle them and mean it! Don't lose your sense of humor. Continue with- "You want to help me pay my bills? Ok, keep calling so that I can sue you for the exact same amount!" You have nothing to lose; your credit report can't get any worst. You already had a bad mark the moment you fell behind by 30 days.
Remember, they chose to give you credit voluntarily; you didn't twist their arms for it. They are the ones sending millions of "pre-approved" applications to people across the country, sucking the lifeblood out of people who just happened to fall onto hard times.
Back during Age of Sail whenever a ship would enter into a new port, there was always a handful of creditors waiting to extend credit to the young and gullible poor sons of mothers. Many would end-up penniless after months of hard work in rough seas.
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