This book is written to address these and a host of other issues concerning credit reporting in America. The book is designed to help readers to gain a greater understanding of the credit reporting and scoring system, and how it impacts them. It would seem that greater awareness is needed. According to a July 2003 survey by the Consumer Federation of America, "Only 25 percent of Americans -- and less than 20 percent of those with incomes below $35,000 -- said they knew what their credit score was. But only three percent of Americans could, unprompted, name the three main credit bureaus -- Experian, Equifax, and Trans Union -- that provide both lenders and consumers with information from credit reports. Forty-three percent of Americans -- only 35 percent of those with incomes below $35,000 -- said they had obtained a copy of their credit report from the three credit bureaus in the past two years".
Book Description
Editorial Reviews
About the Author
Evan Handricks
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Most Helpful Customer Reviews
53 of 54 people found the following review helpful:
5.0 out of 5 stars
Excellent, unique,
By Gerri Detweiler "host, Talk Credit Radio" (Gulf Coast, FL United States) - See all my reviews (REAL NAME)
This review is from: Credit Scores & Credit Reports (Paperback)
Having written about credit for fifteen years myself (I am the author of The Ultimate Credit Handbook), I know a lot about credit reports and scores. But I learned even more from this book. Hendricks brings a very unique perspective to the topic of credit scores because of his years of experience as a privacy advocate. I found his references to court cases and the testimony of credit reporting agency executives eye opening. The chapter that explains how lenders often get different reports than consumers, and the subject of "cloaking" was alarming. If you really want to understand how credit reports and scores work -- from what I would say is an insider's perspective -- I'd recommend this book highly.
40 of 42 people found the following review helpful:
5.0 out of 5 stars
Practical, comprehensive, useful,
By
This review is from: Credit Scores & Credit Reports (Paperback)
I thought I had a pretty good idea what a credit score was, how it worked, and how to get mine. I was wrong. I had no idea how complicated the process was, how many different variables entered into it, and how easily I could do damage to myself.I understood that I had a right to a free credit report. I had no idea how deeply the "free" option was buried, how much digging had to be done to find it, and how limited the information would be--all in an effort to drive me to the paid options. Thanks to this book, I now know, step by step, how to get the information I need, and know which options are free, which cost money, and when I need each one. While I've been fortunate enough not to be hit with identity theft, I know people who've had to cope with it. I'm relieved that I now own a complete resource on how to deal with it. I know how to challenge errors in my credit report. I hope I won't ever need to use a lot of what this book provides me, but I'm sure glad I have a copy on my shelf. I'm also glad to have read the reports on the insurance industry, the use of credit in discriminatory practices, opting out of having personal data shared, and other issues. Coming from the editor and publisher of PRIVACY TIMES, the information is timely, insightful, and important. If you've got any serious credit history, privacy concerns, an intent to make a major purchase, or feel vulnerable to identity theft, you'll value having this book in your library.
14 of 15 people found the following review helpful:
3.0 out of 5 stars
Mis-leading title and expected more about scoring,
This review is from: Credit Scores & Credit Reports (Paperback)
This book doesn't follow through on analyzing the credit scoring process a the title suggests. It focuses mostly on court cases involving consumers and credit reporting companies instead of getting to the meat and potatoes of credit scoring. In short, it has some pretty enlightening information but not about credit scoring. I'd recommend Liz Weston's Your Credit Score and KE Varner's The Insider's Guide to Credit Repair for additional information.
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