Qty:1
FREE Shipping on orders over $35.
In stock but may require an extra 1-2 days to process.
Ships from and sold by Amazon.com.
Gift-wrap available.
Give Me Back My Credit!: ... has been added to your Cart
Condition: Used: Like New
Comment: Like-new; Has very little wear on the cover.Has clean, unmarked pages.Binding is tight and in excellent condition.Buy with confidence!
Access codes and supplements are not guaranteed with used items.
Have one to sell? Sell on Amazon
Flip to back Flip to front
Listen Playing... Paused   You're listening to a sample of the Audible audio edition.
Learn more
See this image

Give Me Back My Credit!: One Woman's True Story of Surviving Credit Errors Paperback – September 22, 2006

ISBN-13: 978-0741434746 ISBN-10: 0741434741

Buy New
Price: $16.95
19 New from $11.95 16 Used from $6.24
Amazon Price New from Used from
Paperback
"Please retry"
$16.95
$11.95 $6.24
Free Two-Day Shipping for College Students with Amazon Student Free%20Two-Day%20Shipping%20for%20College%20Students%20with%20Amazon%20Student


Hero Quick Promo
Save up to 90% on Textbooks
Rent textbooks, buy textbooks, or get up to 80% back when you sell us your books. Shop Now
$16.95 FREE Shipping on orders over $35. In stock but may require an extra 1-2 days to process. Ships from and sold by Amazon.com. Gift-wrap available.

Editorial Reviews

About the Author

Denise Richardson his been an avid consumer advocate for fifteen years working steadfast in her resolve to bring greater transparency to the credit industry and to improve the way that consumers are treated by creditors and the credit reporting agencies. She is on the Board of Directors of ACCESS (American Consumer Credit Education Support Services) and a contributing writer for guardmycredifile.org an ACCESS project and is a member of many consumer advocate organizations. She was born and raised in Vermont, a long time resident of Greenfield, Massachusetts and currently makes her home Hollywood, Florida.
NO_CONTENT_IN_FEATURE

Best Books of the Month
Best Books of the Month
Want to know our Editors' picks for the best books of the month? Browse Best Books of the Month, featuring our favorite new books in more than a dozen categories.

Product Details

  • Paperback: 214 pages
  • Publisher: Infinity Publishing (September 22, 2006)
  • Language: English
  • ISBN-10: 0741434741
  • ISBN-13: 978-0741434746
  • Product Dimensions: 5.5 x 0.5 x 8.5 inches
  • Shipping Weight: 8 ounces (View shipping rates and policies)
  • Average Customer Review: 4.9 out of 5 stars  See all reviews (10 customer reviews)
  • Amazon Best Sellers Rank: #3,454,038 in Books (See Top 100 in Books)

Customer Reviews

4.9 out of 5 stars
5 star
90%
4 star
10%
3 star
0%
2 star
0%
1 star
0%
See all 10 customer reviews
This book will help you understand the landscape of red tape and motivate you to cut through it.
B. Taxy
Her experiences and resolutions can only help you avoid these financial problems, saving you countless time, money, and frustration !!
Irvin Goodman
In clear, concise and honest language she tells her painfully true story of what can and does happen to honest and innocent people.
barbara silkstone

Most Helpful Customer Reviews

7 of 8 people found the following review helpful By Charles Ashbacher HALL OF FAMETOP 500 REVIEWERVINE VOICE on October 26, 2006
Format: Paperback
To descend into the depths of an outworn cliché, this book describes the mother of all credit problems. Through no fault of her own, the author and her husband are labeled as extremely poor credit risks. As amazing as it sounds, the problem begins when they try to prepay some of their home mortgage. However, due an error committed by the lender, their payments are misapplied and they end up being listed as in default. This then snowballs into an incredible problem as their "poor performance" is then reported to the credit agencies.

As these events unfold, they try to resolve the problem and talk to representatives of the company holding their mortgage. The representative is at first sympathetic and admits to their error. However, fixing the problem turns out to be an impossible task, as promises to change the records are unfulfilled. Legal action is launched against the company and rather than try to simply fix the problem the company throws an army of lawyers at them and engages in a great deal of arrogant nastiness.

It is not possible to say that this story has a happy ending. The stress over fighting the battle to get her credit restored destroyed her marriage and the stress led to some health problems. She eventually received compensatory monetary payments but punitive damages were denied by the judge. This book is a lesson in the vagaries of consumer credit law as consumers don't have all the legal rights that one would believe. The one good thing about the events in Denise's life is that it is an object lesson that you must pay very close attention to the bills you receive and be extremely pro-active in getting problems resolved as soon as possible.
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback. If this review is inappropriate, please let us know.
Sorry, we failed to record your vote. Please try again
4 of 4 people found the following review helpful By Kevin Ross Peterson on October 11, 2006
Format: Paperback
This is a wonderful book... as much as it is terrifyingly real... the credit issues and the unbridled power of the "Big Three" to randomly destroy any life they choose... It is a smooth read... A hard to put down tale that leaves you shaking your head and wondering if you'll be next.

As extreme as this may seem...it is merely a drop in the tremendous bucket of Credit lies, deception and h3ll that people go through...

Great book.
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback. If this review is inappropriate, please let us know.
Sorry, we failed to record your vote. Please try again
3 of 3 people found the following review helpful By Mark Enderle on April 23, 2008
Format: Paperback Verified Purchase
I have been in the finance and credit field since 1993. In this time, I have reviewed over 4,000 credit reports, and have seen hundreds of credit reports with major errors on them. Trust me, major errors on credit reports are a very common occurrence.

Denise Richardson's story is an absolute nightmare. You can read the summary of what happened elsewhere here, so I need not recap it. But her story is absolutely compelling, and frightening, and you will get angry at the following when reading the book: large bank practices; collections agencies; the three major credit bureaus, the attorneys for huge multi-billion dollar corporations; our judicial system; and our Congress and regulators who are supposed to be protecting us, but instead are protecting the large corporations who are funding their campaigns and often actually writing the consumer laws and the federal regulations.

You won't be pleased about how the credit system works in this country after reading this book, but that in my view is a good thing. With knowledge comes truth, and with truth, comes power. Once you have a much better understanding how this system works (or doesn't work) by reading Denise's story, you will know how to protect yourself from a similar fate. The nightmare of incorrect and damaging errors showing up and staying on credit reports doesn't just happen to a few individuals like Denise...it happens to tens of millions of Americans.

Denise has a number of tips on how to protect yourself from credit errors. Two important ones are: Monitor your monthly payments to all major accounts, especially your mortgage, and monitor your own credit reports on a regular basis to make sure that errors are not being reported.
Read more ›
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback. If this review is inappropriate, please let us know.
Sorry, we failed to record your vote. Please try again
3 of 3 people found the following review helpful By Soapsuds on March 21, 2007
Format: Paperback
Author Denise Richardson and I decided to exchange our literary works. I sent her my novel "The Kids on the Block," and Denise sent me hers; "Give Me Back My Credit." Even though "The Kids on the Block has some sad parts, for the most part it is humorous and hilariously funny. Denise's true story is, on the other hand, tragic, nightmarish and bloodcurdling to say the least. I do not expect Denise to have much humor left after what she went through in fighting an arrogant, error-plagued, contemptuous Mortgage Bank and the three national credit bureaus.

Denise is the Iwo Jima against corporate giant's who, not only ruined her credit, but made her life worse than a living hell.

If you are like me and feel safe and confident since your credit score is above the 700's do not be too complacent and seat on your recliner thinking all is good and well. I jumped out of my seat after reading the first two chapters!

In author Denise Richardson's book "Give Me Back My Credit" she tells how her nightmare and living hell began. She, too, thought and felt safe and confident that everything about her mortgage on the home she owned was better than best. She made it a point to make extra payments to the principal of the mortgage loan, and of course, her credit rating was excellent as well.

Years later Denise decided to refinance her home. Much to her astounding surprise, she finds out the Mortgage lender had made many dreadful, inexcusable accounting errors on her mortgage loan. The lender never credited the extra mortgage payment to the principal of the mortgage loan.

The mortgage lender had not only been misapplying those extra payments, but was using her money to their benefit.
Read more ›
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback. If this review is inappropriate, please let us know.
Sorry, we failed to record your vote. Please try again

Most Recent Customer Reviews

Set up an Amazon Giveaway

Amazon Giveaway allows you to run promotional giveaways in order to create buzz, reward your audience, and attract new followers and customers. Learn more
Give Me Back My Credit!: One Woman's True Story of Surviving Credit Errors
This item: Give Me Back My Credit!: One Woman's True Story of Surviving Credit Errors
Price: $16.95
Ships from and sold by Amazon.com