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The Guerrilla Guide to Credit Repair: How to Find Out What's Wrong with Your Credit Rating--and How to Fix It
 
 
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The Guerrilla Guide to Credit Repair: How to Find Out What's Wrong with Your Credit Rating--and How to Fix It (Paperback)

by Todd Bierman (Author), Nathaniel Wice (Author), Andrea Coombes (Editor) "We all remember the schoolteacher's nagging warning about a "permanent record" that would haunt us in our pursuit of everything from jobs and college admissions..." (more)
Key Phrases: credit bureau dispute, consumer credit plan, clearing your credit, Credit Profile, Fair Credit Billing Act, Advanced Credit Repair (more...)
3.4 out of 5 stars See all reviews (26 customer reviews)

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Customers buy this book with How To Get All The Credit You Want And Erase Your Bad Credit Record by Bob Hammond

The Guerrilla Guide to Credit Repair: How to Find Out What's Wrong with Your Credit Rating--and How to Fix It + How To Get All The Credit You Want And Erase Your Bad Credit Record
  • This item: The Guerrilla Guide to Credit Repair: How to Find Out What's Wrong with Your Credit Rating--and How to Fix It by Todd Bierman

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Editorial Reviews

From Library Journal
Many Americans, we are told, are loaded with personal debts. While paying them may be burdensome enough, not paying will register you with one of three main (secretive) credit bureaus. Getting your name cleared from these outfits may take some doing if things don't go smoothly. Bierman, a credit consultant, and Wice, a freelance writer, show how to get your credit reports, read them (jargon reigns here too), and repair them. Practical step-by-step routines are outlined and valuable sample letters scattered throughout, with the caveat not to copy them precisely or the credit bureaus will suspect that you are being coached. Appendixes citing all the relevant laws fill a third of the book. Surely this will be both a useful addition to public libraries and probably an item to be kept behind the desk.
- Alex Wenner, Indiana Univ. Libs., Bloomington
Copyright 1994 Reed Business Information, Inc. --This text refers to an out of print or unavailable edition of this title.

From Booklist
Anyone who has ever been turned down for a loan as well as anyone with an extensive credit history should read this guide. It spells out clearly and succinctly how to obtain copies of your credit report, how to read different bureaus' reports, and how to fix what's wrong. Sample letters are given throughout each stage, from writing credit bureaus for your complimentary annual report to writing a cease-communication letter to collection agencies. A multitude of appendixes give everything from credit-bureau addresses to simple explanations of such complex pieces of legislation as the Consumer Credit Protection Act and the Fair Credit Billing Act. With this guide in hand, reading your credit report and correcting errors will never again seem like impossible tasks. Caroline Andrew --This text refers to an out of print or unavailable edition of this title.

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Product Details

  • Paperback: 208 pages
  • Publisher: St. Martin's Griffin; 2nd edition (December 27, 2005)
  • Language: English
  • ISBN-10: 0312340257
  • ISBN-13: 978-0312340254
  • Product Dimensions: 8 x 5.5 x 0.7 inches
  • Shipping Weight: 6.4 ounces (View shipping rates and policies)
  • Average Customer Review: 3.4 out of 5 stars See all reviews (26 customer reviews)
  • Amazon.com Sales Rank: #224,633 in Books (See Bestsellers in Books)

    Popular in this category: (What's this?)

    #88 in  Books > Business & Investing > Personal Finance > Credit Ratings & Repair

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Customer Reviews

26 Reviews
5 star:
 (8)
4 star:
 (7)
3 star:
 (3)
2 star:
 (3)
1 star:
 (5)
 
 
 
 
 
Average Customer Review
3.4 out of 5 stars (26 customer reviews)
 
 
 
 
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Most Helpful Customer Reviews

 
119 of 120 people found the following review helpful:
4.0 out of 5 stars Excellent Book (but needs updating), August 25, 2000
By Sox Fan (Gaithersburg, MD USA) - See all my reviews
DFC is completely off base with his review. You need a book like "guerilla credit" exactly because of people like DFC (a banker - little wonder) who believes that everyone with bad credit is a loser who simply needs to pay his/her bills. Well, I have news for you DFC, this book is extremely helpful for those of us who are the victims of credit reporting agencies who couldn't care less about the accuracy of the information they are reporting.

I am one of the many people who, at 30 years old, had never requested copies of my credit reports, and who thought I had perfect credit prior to inexplicably being turned down for a loan. Much to my horror, I found out that there were more than 40 errors in my credit reports. Dozens of accounts that had been closed for many years were still reflecting as open, students loans erroneously reflecting defaults, credit card accounts erroneously reflecting 30 and 60 day late payments. All false information. Using Todd's book, ALL of this false information has now been removed from my reports. Moreover, this book will teach you how to get results when the reporting agencies play their little games of "verifying" erroneous information. I can't tell you how many times my reports came back with "information verified" even though I had enclosed written documentation that the information being reported was not correct (it really is unbelievable isn't it!) Berman explained how to be persistent, get aggressive, and fight these unethical reporting companies and their shoddy work practices.

Even if you legitimately have creditors knocking on your door, this book will give you some very helpful advise as to negotiating a partial payment in return for a promise not to report the negative information to a credit bureau (DFC doesn't want you to know that). And the book will also tell you how you MAY be able to get some accurate (but old) information removed from your report.

Finally, the credit reporting agencies try very hard to make your report as cryptic as possible in an effort to prevent you from understanding exactly what they are reporting about you. Todd's book shows you how to read your report - a very important first step. However, I must add that because the book is now 6 years old, and because the agencies keep changing the form of their reports (gee, I wonder why?), this is the book's biggest downfall right now (and the ONLY reason I didn't give it 5 stars). PLEASE Todd if you're reading this, revise your book and publish a new edition!

Notwithstanding this one downfall, I still HIGHLY recommend this book.

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25 of 27 people found the following review helpful:
4.0 out of 5 stars To rebut the negative reviews..., July 10, 2003
By A Customer
First, a disclaimer: I own a copy of this book, but have not looked at any others on the subject, so I don't know what else may be available and perhaps better-suited than this title to meet your needs.

Primarily, I write to rebut the negative reviewers, among them self-described #1 authority in the country (and yet curiously uncredentialed) Bill Bauer, loan officer DFC and JD, who together dismiss this book as 'pap' and 'cloaking strategy.' Yes, the book can be repetitive and some of the advice seems slightly dodgy, but I find merit in the authors' advice to negotiate with creditors to remove negative credit marks in exchange for payment (however long-delayed) of debt. If someone who has had credit problems in the past can eliminate these negative marks immediately in exchange for payment rather than pay the bill and simply wait out the expiration of the negative marks (minimum: 2 years!), WHY WOULDN'T THEY?

This is not 'pap.' This is not 'cloaking strategy.' This, my friends, is 'negotiating.'

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16 of 17 people found the following review helpful:
3.0 out of 5 stars This book should be $5.00 - its like a good pamphlet, February 4, 2006
By BlackLitLover (Miami Beach, FL) - See all my reviews
This book was disappointing. Buying a book without being able to browse it beforehand makes it difficult to know if its what you want. If I would have been able to skim through this book prior to buying, I would not have bought it. It's not that it's bad, it's just that its not what I needed or the title implied. It is not a comprehensive book at all. The title "guerrilla" makes you think it will offer unique, aggressive, insightful, strategic, or uncommonly known tactics to attack your credit repair. It absolutely fell short of that. But what it does deliver is very detailed, easy to follow understanding of BASIC information (what credit is, how to contact the bureaus, what type of letters to send, etc.) It gives you a decent strategy on how to dispute items on your CR. A huge shortcoming for this book is that 100 pages of the 200 page book was given to printing the FCRA (fair credit reporting act). Helpful but a waste. Instead of giving us some "guerrilla tactics" for 100 pages, they print the act instead. If you are really trying to repair your credit and you need real life information and real "guerrilla" tactics then you MUST prepare yourself mentally (it can get legal, psychological and emotional) and use the vast amounts of FREE information and FREE resources available online. Try joining FREE online communities/forums. Avoid people capitalizing on your despair with over-priced credit repair books, credit repair kits, pay-for services (i.e. now bankrupt AmeriDebt) or other books where gazillionaires bloviate about how rich and debt-free THEY are. Good for you. People with poor financial situations and poor credit do need inspiration but people also need practical aggressive ways to get their backs from against the wall. In conclusion, you'd be better off researching online for a few weeks, seeking FREE professional opinions, or checking out books like this one from the library.
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Most Recent Customer Reviews

3.0 out of 5 stars Fair
This book is fair reading, but there are far better books, not to mention that its a bit outdated in material. Read more
Published 13 months ago by S McMillan

1.0 out of 5 stars Stuff and fluff
Save your money. Stuffed with appendices of legislation pertaining to credit industry. Poorly written and worse editing with mispellings and repetition.
Published 23 months ago by K. porterfield

1.0 out of 5 stars Falls short and instills fear of credit bureaus
The main idea of this book is that credit reporting is an unfair process to consumers and more legislation is needed to regulate the industry. Read more
Published on July 9, 2006 by Wendell Roberson

4.0 out of 5 stars Sound Advice that Works but....
Updating would be a good thing with recent changes in the FCRA. I read the reviews by others before I read the material myself. Read more
Published on April 24, 2005 by Informed Reader

5.0 out of 5 stars what it boils down to
I am writing in response to someone who gave this book a bad rec. do to the book not telling him what the cb's use to calc your individual score. The fact is nobody knows. Read more
Published on February 21, 2005 by Keith W. Pearson

1.0 out of 5 stars Junk
Bierman has written several books on the subject of credit repair. Why? Why not write ONE book, and update it with new editions? Read more
Published on February 15, 2005 by Johnny J

3.0 out of 5 stars Beware of bogus reviewers
I have not yet read this book and am giving it the average number of stars to keep from tilting the scales one way or another. Read more
Published on February 22, 2004

4.0 out of 5 stars Easy to Follow Advice on Credit Repair
I bought this book on advice from How-to-get-credit.com I'd have to agree that the information is a little bit old, but it was good information none the less.
Published on August 24, 2003

4.0 out of 5 stars A good book on credit repair.
I thought this was a good book on how to improve your credit report. It is a little bit old but the author does take you step by step through ideas that can help you improve your... Read more
Published on August 8, 2003 by Mongo in Texas

2.0 out of 5 stars waste of money
This book repeats the same things over and over again. It wasn't helpful at all, it didn't tell me anything I didn't already know.
Published on July 28, 2003

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