How to Repair Your Credit Score Now: Simple No Cost Methods You Can Put to Use Today (Paperback)

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Key Phrases: specialty consumer reporting agencies, security freeze, current billing cycle, American Express, New York, United States (more...)

Editorial Reviews

Product Description

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.

Product Details

• Paperback: 288 pages
• Publisher: Atlantic Publishing Company (FL) (June 22, 2007)
• Language: English
• ISBN-10: 0910627940
• ISBN-13: 978-0910627948
• Product Dimensions: 9 x 6 x 0.8 inches
• Shipping Weight: 1 pounds (View shipping rates and policies)
• Average Customer Review: 4.5 out of 5 stars  See all reviews (13 customer reviews)
• Amazon.com Sales Rank: #329,304 in Books (See Bestsellers in Books)

Customer Reviews

Most Helpful Customer Reviews

13 of 15 people found the following review helpful:

5.0 out of 5 stars If You're Serious About Fixing Your Credit, This Book's For You!, September 24, 2007

By	K. N. Maguid - See all my reviews (REAL NAME)

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.

9 of 11 people found the following review helpful:

5.0 out of 5 stars Good source to get back on track, October 19, 2007

By	Gerald Shaw (Edgewater, FL USA) - See all my reviews (REAL NAME)

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.

4 of 5 people found the following review helpful:

5.0 out of 5 stars Excellent Resource for Building, Maintaining, and Protecting Your Credit, October 1, 2007

By	Marsha Ford - See all my reviews (REAL NAME)

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. You don't know exactly how credit scores are calculated. And you don't know about all the other types of credit collecting and reporting vehicles used to decide whether or not you get the job or medical coverage you applied for. How to Repair Your Credit Score Now provides the answers to these and many other credit-related questions you may not even know to ask.

Burrell's depth of research is impressive. Each chapter, from "What is a Credit Score?" to "Maintaining Good Credit" provides clear, detailed explanations that make it easy to understand credit and how it impacts us. And perhaps more important, they provide the steps and resources to take an active role in building, maintaining, and protecting our credit. For example, Chapter 3, "Credit Scoring Models," explains exactly how credit scores are calculated, and Chapter 5, "Repairing Bad Credit," dispels the myths and scams some debt `repair' agencies use and provides real, concrete actions consumers can take to minimize damage from bad credit.

Throughout How to Repair Your Credit Score Now, Burrell provides illustrative charts, resource contact information, and sample letters to assist you in building, monitoring, disputing, and protecting your credit information. It is an invaluable resource for any one wishing to take an active role in understanding and protecting their credit.