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How to Get Out of Debt: Get an a Credit Rating for Free Using the System I've Used Successfully With Thousands of Clients Paperback – December 15, 2006


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Product Details

  • Paperback: 240 pages
  • Publisher: Adept Publishers; Trade Paperback Edition edition (December 15, 2006)
  • Language: English
  • ISBN-10: 1933949430
  • ISBN-13: 978-1933949437
  • Product Dimensions: 0.5 x 5.4 x 8.5 inches
  • Shipping Weight: 9.6 ounces (View shipping rates and policies)
  • Average Customer Review: 4.8 out of 5 stars  See all reviews (8 customer reviews)
  • Amazon Best Sellers Rank: #1,484,583 in Books (See Top 100 in Books)

Editorial Reviews

Review

How to Get Out of Debt: Get an A Credit Rating For Free by Harrine Freeman is full of practical advice on where to file complaints, sample letters, spending plan spreadsheets, statute of limitations time periods, and much more. For the past six years, Ms. Freeman has been the CEO of a credit repair and money management company, so she knows what she is talking about. --Alan Caruba, Editor, Bookviews.com

Her book is here at a time when so many people need this kind of help. --Gerri Detweiler, consumer advocate and author of The Ultimate Credit Handbook

This is a must read - that will empower reader to reevaluate their spending habits and become focused on securing their financial future. --Books 2 Mention Magazine

From the Publisher

From the Publisher
As heard on Heaven 1580AM - 2006 Stellar Award Winner, WLKF 1430AM - Home of Rush Limbaugh and Sean Hannity


According to the Fair Isaac Corporation (FICO) approximately 30 million Americans are in debt and receive bad credit ratings every year. In 2005, 2 million Americans filed for personal bankruptcies. Change your life and get out of debt today.

Harrine was over $19,000 in debt and was able to get out of debt while earning $21,000 a year, became debt free and has been for the past ten years. You can do it too just like Harrine did.

How To Get Out of Debt: Get an "A" Credit Rating For Free gives you step by step details of how to get out of debt. The first step is to identify your spending habits. Next create your own spending plan to begin paying off your debts, establish an "A" credit rating and develop a nest egg for the future.

How To Get Out of Debt: Get an "A" Credit Rating For Free will show you how to:
* Determine if you have bad credit
* Repair your credit
* Maintain your good credit
* Deal with telemarketers and creditors
* Create your own spending plan
* Prevent identity theft

About the Author Harrine Freeman is a credit repair expert and CEO of H.E. Freeman Enterprises, a credit repair and personal finance services company. She provides personal consultations to teach consumers how to get out of debt and learn how to manage their finances. She also provides debt management workshops for schools, churches and organizations.

Industry Reviews
How To Get Out of Debt: Get an "A" Credit Rating For Free is a fantastic guide for anyone deep in debt or facing credit problems. "If you need credit help, Harrine Freeman offers the inside scoop on the tips, tricks and techniques that really work"!
-- Lynnette Khalfani, author of the New York Times bestseller Zero Debt: The Ultimate Guide to Financial Freedom and recent Oprah Show Guest

"Like many Americans, Harrine Freeman, has been through credit difficulties. But not only has she turned her situation around, she has gone on to help others do the same with her straightforward guide to better credit, How To Get Out of Debt: Get an "A" Credit Rating For Free. Her book is here at a time when so many people need this kind of help".

--Gerri Detweiler, consumer advocate and author of The Ultimate Credit Handbook


More About the Author

Harrine Freeman is the CEO and owner of H.E. Freeman Enterprises which provides credit repair services to help people restore their credit rating and develop good money management skills to pay off debts and plan for retirement for the past 13 years. She is an energetic speaker, author, personal finance expert, and freelance writer.

She was once in $19,000 in debt, only making $21,000 a year and was successfully able to get herself out of debt without filing for bankruptcy. Her knowledge and tips have helped her diverse clientele restore their credit, learn how to manage their finances and get totally out of debt.

As a guest speaker at regional and national churches and schools, national radio shows, organizations and Fortune 500 companies, Freeman's simple, yet effective methods positively impact the bottom lines of her clients. She has provided credit repair, debt management and business credit seminars to various audiences.

As a panelist she participated in a number of national and local conferences. She has appeared in Market Watch, Wall Street Journal, Black Enterprise, Essence Magazine, Pink Magazine, Forbes, Redbook, Woman's Day, Heart & Soul, the Prince Georges Gazette, Bankrate.com, Creditcards.com, Yahoo.com and on NBC, FOX, CBS and ABC. She is an Advisory Council member of Russell Simmon's HSAN Get Your House Right Home Ownership Initiative.

She is a member of the American Association of Daily Money Managers, Credit Professionals International, American Association of Individual Investors, and Toastmasters.

Her personal experiences with debt and her business savvy have proven her to be an effective and competent speaker on personal finance and business credit issues. She is also the author of "How to Get out of Debt: Get An "A" Credit Rating for Free", a self help book on credit repair that provides consumers with a step by step plan on how to get out of debt, increase their credit rating and maintain their good credit. She is working on a second personal finance self-help book that will be available in 2010. She currently lives in Washington DC.

Customer Reviews

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Most Helpful Customer Reviews

6 of 6 people found the following review helpful By Read Zone Book Reviews & Promotions on February 20, 2007
Format: Paperback
The ramifications of bad credit and overwhelming delinquent accounts affect every aspect of your life. The constant phone calls, the never-ending stream of letters and the bank account that is always short should be a wake up call to most. Maybe it is. But the humiliation and embarrassment of failed finances hinders many from obtaining help.

In How to Get Out of Debt, Author Harrine Freeman opens up her life, laying her poor decisions out for the world to learn how she stumbled down the slippery slope into the never-ending abyss of debt. Her sincerity and honesty is a refreshing opening to this life guide of accomplishing good credit and healthy financial living.

Relying on sound and logical principles of finances, Ms. Freeman explains how we dig ourselves into debt and the small steps vital to tip toeing our way back to financial freedom. She has packed a tremendous amount of information into this 240 pg guide, complete with sample letters to creditors, an invaluable list of consumer protection agencies, and other resources and guides.

When I first opened it, I sighed, wondering how it could be any different from the advertisements that come on after hours, promising all the information in the world for just $19.99, and offering you no more than what you already knew and never implemented. As you can tell from the review, I have struggled from undergraduate debt; I know this merry go round well. Three hours later, I had devoured Ms. Freeman's guide, tucking it on my shelf of "very necessary day-to-day living" reading. No doubt, folks, this one is a keeper.

About The Author:

Harrine Freeman holds a B.S. degree in Computer Science and is currently pursuing a Master's degree in Information Technology.
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Format: Paperback
Ms. Freeman is the Credit guru/savior. I have seen significant improvements over time in my credit scores using the suggestions and tips in Ms. Freeman's insightful book. Debt can seem insurmountable when you are in it and I am now on the other side and plan to stay that way. I want to testify to EVERYONE. The strategies are written in understable language and are very doable. It has really opened up my eyes into my negative spending and credit usage behaviors. I now always shop with a purpose to get a specific item in mind rather than overspending without purpose, just being drawn to a sale for the sake of the sale. I have also bought this book as a gift for recent college grads so that they may avoid some of the credit pitfalls. I highly recommend it to everyone!!!
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4 of 5 people found the following review helpful By Midwest Book Review on January 6, 2007
Format: Paperback
Credit repair counselor Harrine Freeman applies her expertise to the written page in How to Get Out of Debt, a no-nonsense self-help guide to becoming debt free and repairing one's credit. From getting back on track after declaring bankruptcy, to protecting oneself against identity theft (which can cause terrible financial and credit rating damage!), to creating a reasonable spending plan, to simple step-by-step actions to improve one's credit rating and keep good credit, How to Get Out of Debt is a solid resource filled cover to cover with practical, "must-know" advice. A supplementary list of consumer protection agencies, sample monthly budget worksheets, and a list of credit report fees state by state round out this invaluable guide, enhanced by the personal testimony of the author's own experience of foolishly sinking into debt when he was younger, and learning the hard way how to dig himself out of debt and structure his financial life with solid discipline. Highly recommended.
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1 of 1 people found the following review helpful By Saundra E. Harris on September 28, 2007
Format: Paperback
This is a fantastic guideline on how to get out of debt...it tells you the reasons why you allowed yourself to create your bad debt and explains the necessary steps to take to get out of debt, starting with calling your creditors and working out a payment plan, to creating and sticking to your budget.

Thanks Harrine for this informative read!
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