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Perfect Credit: 7 Steps to a Great Credit Rating Paperback – September 7, 2010

12 customer reviews

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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.
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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 0.5 x 9 inches
  • Shipping Weight: 12 ounces (View shipping rates and policies)
  • Average Customer Review: 4.5 out of 5 stars  See all reviews (12 customer reviews)
  • Amazon Best Sellers Rank: #1,073,564 in Books (See Top 100 in Books)

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Customer Reviews

Most Helpful Customer Reviews

9 of 9 people found the following review helpful By GEM on October 24, 2010
Format: Paperback Verified Purchase
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!!!
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7 of 7 people found the following review helpful By Susanna Hutcheson TOP 1000 REVIEWER on June 13, 2011
Format: Kindle Edition Verified Purchase
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
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5 of 5 people found the following review helpful By V. Thornton on January 10, 2011
Format: 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!
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3 of 4 people found the following review helpful By Svetka De on April 14, 2012
Format: Paperback Verified Purchase
This is a good and interesting book, and it does provide tons of valuable information about how the things work around credits. But I found that it's not equally helpful for all the audiences it claims to target.
There are very detailed steps for those who need to get out of debt or fix their past mistakes. But for those who are new to the country or just don't have any credit history for other reasons there is nothing to fix really. This situation is only slightly touched in the book - there are no clear steps or advice as to the optimal way to start building your credit from scratch and up to the perfect score. After reading the book, you know what not to do, and what mistakes to avoid, but you still don't know what exactly to do and what's the best way to start. Like will you get to the perfect score faster with three or more credit cards or two is just enough? Is it absolutely necessary to get into some sort of debt on purpose just to show that you can pay it off responsibly or can you get to perfect even if you never carry over any balances on your credit cards and haven't got any loans? These topics are not fully covered.
I still recommend this book to anyone interested in perfect credit, with or without a previous history; just don't hope that it will answer all your questions as I did based on the book description and previous reviews.
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3 of 4 people found the following review helpful By Dorenda Turner on January 29, 2011
Format: Paperback Verified Purchase
I received the book in excellent condition and the delivery time was excellent. The book is very easy to follow and understand. Great for educating those who need to work on their credit score.
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1 of 1 people found the following review helpful By Karen on December 9, 2013
Format: Kindle Edition Verified Purchase
I needed this book years ago. The information given in the book is priceless. If you haven't read it, now is the time.
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