Your credit score affects every aspect of your financial life including qualifying for loans and mortgages, low interest rates, housing, employment opportunities, and even insurance premiums. Millions of Americans have negative, inaccurate, and unverifiable information on their credit report. Repairing your credit profile is one of the most important financial decisions you can make. You re about to take the important step of taking control of your credit! If you re like the average American, having improved credit will save you thousands of dollars on your loans and credit cards. You do not need a credit repair clinic. Save the money. Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost using the plan in this new book. There are federal laws in place to make sure that you can repair problems on your credit report and increase your credit score. These laws are found in the Fair Credit Reporting Act. This book will show you how to use your legal rights to increase your credit score. You will learn how to remove questionable items from YOUR credit reports, including: late payments, collections, judgments, liens, charge offs, bankruptcies, foreclosures, repossessions, and identity fraud. This new book will be your road map to credit repair information, and give you tips on how to maintain a stronger credit profile, repair bad credit, improve credit scores, and correct personal information.
How to Repair Your Credit Score Now
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Customer Reviews
Most Helpful Customer Reviews
18 of 21 people found the following review helpful
Format:Paperback
Jamaine Burrell's comprehensive work provides a fundamental understanding, building, and repairing your credit score. Have you ever wondered why you receive copious amounts of credit card solicitations in the mail? Why you can't qualify for a car loan or a mortgage? If so, then Burrell's book is the one for you.
In the simplest of terms, your credit score dictates a great deal of your financial future - the higher your score, the better your credit. Burrell begins by explaining the elements used to calculate your credit score and then how to go about manipulating those elements to your favor. The emphasis of Burrell's book is the importance of maintaining and monitoring your credit score, that, and understanding that there are several sources that provide credit scores including FICO, the Fair Credit Reporting Act, and the Fair and Accurate Transaction Act. Credit scores are then differentiated into either standard credit reports or investigative credit reports.
In general, credit reports can be sold to creditors, lenders, and other business entities, as well as accessed online. Burrell also covers the areas that credit reports can legitimately be used for including the following: medical information; rental agreements; tenant screening; and employment histories. If your credit score needs to be fixed, Burrell's book provides helpful ways to identify building up your credit as well as methods that won't help. Additionally, these useful pieces of advice include how marriage, divorce, and/or the death of a spouse will impact your credit.
Through Burrell's solid research and her ability to connect with the reader, she manages to tutor you in the tangled was of identifying credit professionals to assist you with any of your issues, preventing identify theft, and handling bankruptcy, if necessary. This book provides an excellent resource for people to begin learning about credit and preventing future mistakes or for those currently embroiled in credit problems to hopefully extricate themselves as painlessly as possible.
In the simplest of terms, your credit score dictates a great deal of your financial future - the higher your score, the better your credit. Burrell begins by explaining the elements used to calculate your credit score and then how to go about manipulating those elements to your favor. The emphasis of Burrell's book is the importance of maintaining and monitoring your credit score, that, and understanding that there are several sources that provide credit scores including FICO, the Fair Credit Reporting Act, and the Fair and Accurate Transaction Act. Credit scores are then differentiated into either standard credit reports or investigative credit reports.
In general, credit reports can be sold to creditors, lenders, and other business entities, as well as accessed online. Burrell also covers the areas that credit reports can legitimately be used for including the following: medical information; rental agreements; tenant screening; and employment histories. If your credit score needs to be fixed, Burrell's book provides helpful ways to identify building up your credit as well as methods that won't help. Additionally, these useful pieces of advice include how marriage, divorce, and/or the death of a spouse will impact your credit.
Through Burrell's solid research and her ability to connect with the reader, she manages to tutor you in the tangled was of identifying credit professionals to assist you with any of your issues, preventing identify theft, and handling bankruptcy, if necessary. This book provides an excellent resource for people to begin learning about credit and preventing future mistakes or for those currently embroiled in credit problems to hopefully extricate themselves as painlessly as possible.
14 of 16 people found the following review helpful
Format:Paperback
I wish I had this book a few years ago. It would have saved me from a few problems I could have easily avoided, even though I thought I was Mr. Know-it-All when it came to credit and debt.
It gives you the low-down on how credit scores are figured out, the agencies that do the reporting and how you can be in trouble based on the number of accounts you have, collection actions against you, past due payments and delinquent accounts.
OK, so you're faced with mounting debt. Relax. You can get back in the game by determining what is causing your growing money problems. The author explains in detail how to use debt-to-income ratio calculations to lower your debt in your monthly budget while including necessary savings in those budgets, as well as using credit counselors, negotiating a payment plan with creditors and other helpful methods.
The book points out how to open safe accounts that will show potential creditors you can pay your bills and save money, and how you can correct inaccuracies in your credit information.
Burrell details the different types of cards and loans to look for in order to maintain a good credit rating on your path to recovery. The more you understand credit, the better you are able to take advantage of the options available, the author explains.
It gives you the low-down on how credit scores are figured out, the agencies that do the reporting and how you can be in trouble based on the number of accounts you have, collection actions against you, past due payments and delinquent accounts.
OK, so you're faced with mounting debt. Relax. You can get back in the game by determining what is causing your growing money problems. The author explains in detail how to use debt-to-income ratio calculations to lower your debt in your monthly budget while including necessary savings in those budgets, as well as using credit counselors, negotiating a payment plan with creditors and other helpful methods.
The book points out how to open safe accounts that will show potential creditors you can pay your bills and save money, and how you can correct inaccuracies in your credit information.
Burrell details the different types of cards and loans to look for in order to maintain a good credit rating on your path to recovery. The more you understand credit, the better you are able to take advantage of the options available, the author explains.
9 of 10 people found the following review helpful
Format:Paperback
I bought this book and "Best Credit..." by Dana Neal at the same time. I read this book after "Best Credit...", but should have read it first to get a basic understanding first. "Best Credit..." was VERY thorough and very detailed, but this gives a great overview of everything! Bottom line: read this book before any others to get an overview and basic understanding of things relating to credit.
Most Recent Customer Reviews
Not bad
As the author of Hidden Credit Repair Secrets, I found this book to be informative in a broad scope of the credit repair business. It also had some good information inside.
Published 13 months ago by Mark Clayborne
lots of information
I received this book and found there are stuff in there I didn't know about. I'm glad I got it and know how the credit score works and now working to improve my scores from... Read more
Published 17 months ago by A. Hartzog
Much better Advice from this writer
I bought this book and was very informative, I am working on my credit report, and YES it does matter on your credit score and I wished I had this book sooner. Read more
Published on December 23, 2009 by Mark Holman
Disappointed
This book is too much "theory" and not enough practical applied knowledge.
I wanted some real assistance with real examples.
I wanted some real assistance with real examples.
Published on August 16, 2009 by Frank R. Wojtylak
Credit Laws revealed
This book is very easy to comprehend and an easy read. I applied some of the techniques, written here,the day after I opened it.. This seller also cares the customer. Read more
Published on March 12, 2009 by R. HOLMES
Excellent Resource for Building, Maintaining, and Protecting Your...
If you're like me, you're familiar with credit reports and maybe even FICO scores. But, if you're like me, you don't know the difference between a credit report and a credit file. Read more
Published on October 1, 2007 by Marsha Ford
An important guide for any who would navigate the uncertain world of...
HOW TO REPAIR YOUR CREDIT SCORE NOW: SIMPLE NO COST METHODS YOU CAN PUT TO USE TODAY offers detailed insights into the entire realm of how consumer credit works, making it a top... Read more
Published on September 7, 2007 by Midwest Book Review
Great overview of a complex subject
Credit card debt is has become an inescapable part of modern life: maintaining, protecting and servicing credit has become almost a second full-time job for many Americans. Read more
Published on August 28, 2007 by H. Michon
It will HELP YOU
I bought this book, because I needed to understand credit, and let me tell you, things I thought I knew I couldnt had been more wrong. Read more
Published on August 23, 2007 by Kelly
Practical Advice on How to Fix and Build Credit
If you know someone who's struggling to get their finances in order, someone graduating from college and starting a new job, or someone who just got their first credit card, they... Read more
Published on August 15, 2007 by Xiao Ka
Inside This Book
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Key Phrases - Statistically Improbable Phrases (SIPs):
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specialty consumer reporting agencies, security freeze, current billing cycle, voluntary repossession, debt management plan, credit file, outstanding markers, major credit reporting agencies, credit repair companies, primary borrower, check cashing business, credit score, disputed information, gasoline cards, consumer files, credit counseling agency, installment accounts, convenience checks, garnish wages, secured credit cards, check registries, revolving accounts, credit scoring models, dispute information, repair plan Key Phrases - Capitalized Phrases (CAPs): (learn more)
American Express, New York, United States, Bankruptcy Allowable Living Expenses, Gross Monthly Income Item Less, Big Stores, Fair Isaac Corporation, Discover Cards, John Doe, Small Store New!
Books on Related Topics | Concordance | Text Stats Browse Sample Pages:
Front Cover | Table of Contents | First Pages | Index | Back Cover | Surprise Me!
specialty consumer reporting agencies, security freeze, current billing cycle, voluntary repossession, debt management plan, credit file, outstanding markers, major credit reporting agencies, credit repair companies, primary borrower, check cashing business, credit score, disputed information, gasoline cards, consumer files, credit counseling agency, installment accounts, convenience checks, garnish wages, secured credit cards, check registries, revolving accounts, credit scoring models, dispute information, repair plan Key Phrases - Capitalized Phrases (CAPs): (learn more)
American Express, New York, United States, Bankruptcy Allowable Living Expenses, Gross Monthly Income Item Less, Big Stores, Fair Isaac Corporation, Discover Cards, John Doe, Small Store New!
Books on Related Topics | Concordance | Text Stats Browse Sample Pages:
Front Cover | Table of Contents | First Pages | Index | Back Cover | Surprise Me!
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