Life After Debt: How to Repair Your Credit and Get Out of Debt Once and for All [Paperback]

Bob Hammond (Author)

Book Description

Publication Date: July 1993

The author of How to Beat the Credit Bureaus discusses the causes of indebtedness and teaches people how to solve their credit problems and establish good credit. 25,000 first printing. Tour.

Editorial Reviews

From Booklist

Public libraries have always been faced with patron demand for information on how to file for bankruptcy. Today's financially troubled patrons, however, are seeking more options. "Credit repair" has become a buzz-phrase of these economically difficult times. Hammond is a credit consultant and member of the Consumer Credit Commission, a consumer rights organization. He warns that many of the so-called credit repair services that have sprung up are out only to exploit the unwary, and he follows with his own tips on avoiding debt, obtaining credit, and restoring poor credit. He shows how to negotiate with creditors and explains how credit bureaus work. Sample letters are provided throughout, and more than 125 pages of appendixes list credit services, counselors, secured credit card providers, and government agencies. Reproduced are the texts of various consumer credit laws. Although he offers a disclaimer discouraging their use, Hammond also includes several highly questionable tactics such as falsifying Social Security numbers and using alternate names to create "new" credit histories. Let your selection policy be your guide. David Rouse

Product Details

• Paperback: 272 pages
• Publisher: Career Pr Inc; Front Cover Worn edition (July 1993)
• Language: English
• ISBN-10: 1564141012
• ISBN-13: 978-1564141019
• Product Dimensions: 8.1 x 5.1 x 0.7 inches
• Shipping Weight: 4.8 ounces
• Average Customer Review: 3.8 out of 5 stars  See all reviews (5 customer reviews)
• Amazon Best Sellers Rank: #4,669,470 in Books (See Top 100 in Books)

Customer Reviews

Most Helpful Customer Reviews

8 of 8 people found the following review helpful:

5.0 out of 5 stars It may be short, but it's sweet!, February 22, 2002

By 

Tabitha L. Worthington (Webster, TX USA) - See all my reviews
(REAL NAME)   

This review is from: Life After Debt: How to Repair Your Credit and Get Out of Debt Once and for All (Paperback)

Other reviewers of this book here at Amazon seem to feel that the author is skimping on the details, and that he uses the laws we have to live with as filler. I disagree. Personally, I don't have time to read a lengthy discourse on how to get out of debt, repair my credit, or work towards being financially stable. This book contains more than enough valuable information to get anyone with credit woes on the road to recovery. When I bought this book just over a month ago, I had 11 negative marks on one of my credit reports. After taking the sample letters in this great book and modifying them to meet my needs, I have changed 9 of these marks to positive, and am negotiating on the last 2. I found this book to be an invaluable tool, as a novice to the way debt works.

4 of 4 people found the following review helpful:

1.0 out of 5 stars Reviewed by professional credit consultant, January 10, 2002

By 

See W. Yee (Campbell, CA United States) - See all my reviews

This review is from: Life After Debt: How to Repair Your Credit and Get Out of Debt Once and for All (Paperback)

This book may be helpful for someone who needs some basic knowledge about credit repair and debt issues. However, Mr Hammond merely added very little updated information and creates another edition to be sold in the market place. More than half of the book consists of credit regulations, and out of date phone numbers for many governmental organizations and creditors alike. It is obvious he does not put in much additional effort in creating new additions. Also, some of his techniques may not work for everyone. If he spends any time practicing in this field (which I feel he have not) he would have written more practical credit repair techniques which may prove beneficial to consumers out there.

11 of 14 people found the following review helpful:

3.0 out of 5 stars Could have been a pamphlet, May 27, 2000

By 

Shane - See all my reviews

This review is from: Life After Debt: How to Repair Your Credit and Get Out of Debt Once and for All (Paperback)

The information that you need to start repairing your credit is in here and so is some stuff about reducing debt. The book covers how to order your report, dispute it and follow up with the Credit agencies. It has sample letters that you can use with your own information. It has techniques on working with creditors to have them remove negative information from your report for you.

Overall, I don't feel ripped off, but I am a bit disappointed. There could have been much more detail in the areas of Keeping your credit report from being damaged, building good credit, and strategies for saving money and reducing debts (which are the cause of bad credit in the first place). This type of book would be much more useful in the form of a workbook rather than the front to middle reading it is.

The book gives you what it promises, but not in the best form and with a ton of filler. The second half of the book is just a reprint of Credit Laws which could come in handy if I was working with a lawyer or could understand it myself, but otherwise is just there to add pages.

Judging by the number of books that Bob Hammond has written on the subject, I would say that he is just revamping old work, adding a lot of filler text and calling it a new book.

The information in this book is so rudimentary should be free. But I give it 3 stars because it has helped me get the ball rolling with my credit.