Perfect Credit: 7 Steps to a Great Credit Rating [Paperback]

Lynnette Khalfani-Cox (Author)

Book Description

Publication Date: September 7, 2010

Perfect Credit is the definitive guide to getting and keeping outstanding credit. Think of this book as a roadmap for anyone hoping to establish picture-perfect credit, make improvements to have stellar credit, or simply maintain a fantastic credit standing. Right now, roughly 220 million Americans have credit files maintained by the "Big Three" credit bureaus: Equifax, Experian, and TransUnion. Of those individuals, about 40 million Americans (roughly 1 out of 5), have very poor credit, or "deep subprime scores," according to Experian. Another 50 million adults in the U.S. have no credit files - either because they've never used traditional forms of credit, or because their credit files are "too thin" to generate a credit score. Perfect Credit offers all these consumers an easy-to-follow blueprint on how to get superb credit - and how to sidestep numerous credit traps and pitfalls along the way.

Editorial Reviews

About the Author

Lynnette Khalfani-Cox, The Money Coach, is a personal finance expert, television and radio personality and the author of numerous books, including the New York Times bestseller Zero Debt: The Ultimate Guide to Financial Freedom. Lynnette has appeared on such national TV programs as The Oprah Winfrey Show, Dr. Phil, The Tyra Banks Show, The Today Show and Good Morning America. Lynnette, an award-winning financial news journalist and former Wall Street Journal reporter for CNBC, has also been featured in top newspapers including the Washington Post, USA Today, and the New York Times, as well as magazines ranging from Ebony and Redbook to Black Enterprise and Smart Money. She can frequently be seen as a guest commentator on ABC, CNN, FOX Business Network and MSNBC.

Product Details

• Paperback: 208 pages
• Publisher: Advantage World Press; 1st edition (September 7, 2010)
• Language: English
• ISBN-10: 1932450998
• ISBN-13: 978-1932450996
• Product Dimensions: 6 x 9 x 0.5 inches
• Shipping Weight: 12 ounces (View shipping rates and policies)
• Average Customer Review: 5.0 out of 5 stars  See all reviews (5 customer reviews)
• Amazon Best Sellers Rank: #173,015 in Books (See Top 100 in Books)

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Customer Reviews

Most Helpful Customer Reviews

5 of 5 people found the following review helpful:

5.0 out of 5 stars I love it!!!, October 24, 2010

By 

GEM (Virgin Islands) - See all my reviews

Amazon Verified Purchase

This review is from: Perfect Credit: 7 Steps to a Great Credit Rating (Paperback)

Step by step instructions on how to get your credit back on track. No easy fixes and she explains why it is not a quick fix. Very detailed and specific. I am in the process and everything makes sense. A must buy!!!

3 of 3 people found the following review helpful:

5.0 out of 5 stars A Coach Worth Listening To, January 10, 2011

By 

V. Thornton "vickyandjencom" (USA) - See all my reviews
(REAL NAME)   

This review is from: Perfect Credit: 7 Steps to a Great Credit Rating (Paperback)

I love The Money Coach - a wealth of knowledge! Finally, someone who speaks an easy-to-understand finance language. She makes it extremely do-able for anyone to spend wisely, manage money well, raise their credit score and reap the benefits later ... This book is extremely useful for anyone, no matter their money situation. I thought my credit was good (and it is), but now I see the value of striving for perfect credit. Highly recommended!

1 of 1 people found the following review helpful:

5.0 out of 5 stars Excellent credit advice you're not likely to have read elsewhere, June 13, 2011

By 

Susanna Hutcheson "Copywriting for the Discri... (Midwest U.S.A.) - See all my reviews
(TOP 500 REVIEWER)    (REAL NAME)   

Amazon Verified Purchase

This review is from: Perfect Credit: 7 Steps To A Great Credit Rating (Kindle Edition)

I had not read anything by this author before. I was pleasantly surprised at her astounding knowledge of all things financial and her laser focus on her subject. She stays on message. She actually does tell you, first, exactly what all the credit scores mean and how they came about. She also tells you about our recent financial history and what it means to the reader. You get a real inside look at the credit and banking system.

Next, she guides you through the maze of how you can easily destroy your credit or make it far better until it's perfect.

Much of what she says is fresh and new. For example, I had no idea Avis (and perhaps others?) do a hard pull on your credit when you use a debit card!

She favors using a credit monitoring service. Most financial writers --- at least those I've read --- do not. She backs up her opinion with valid reasons as well. I don't particularly agree with her on this either. For one thing, the FICO seen by the creditor and that seen by the consumer "may" not be the same. Of course, there may be valid reasons for "some" people to use such a service.

This is an excellent book. If you care about your credit, you are well advised to get a copy and read every word.

Highly recommended.

-- Susanna K. Hutcheson