The Fix Your Credit Workbook: A Step-by-Step Guide to a Lifetime of Great Credit [Paperback]

Todd Bierman (Author), David Masten (Author)

Book Description

Publication Date: December 15, 1997

Written by two experience credit consultants, The Fix Your Credit Workbook offers a step-by-step way to organize cash flow and repair bad credit. With charts, to-do lists, form letters, and quotes from credit and debt collections laws, it teaches you how to:

-Prioritize your debts from most to least important
-Negotiate payment schedules with creditors
-Settle income tax debts with the IRS
-Choose between bankruptcy and other strategies for overcoming substantial debt
-Understand your rights in disputes with creditors, collectors, and credit reporting agencies
-Develop new practices to ensure a lifetime of great credit

Editorial Reviews

About the Author

Todd Bierman is coauthor of The Guerrilla Guide to Credit Repair and a credit consultant to the mortgage industry. Based in New York City, he and David Masten publish Credit Insider Magazine and its web site. Bierman and Masten would like to thank Edward J. Mark, Esq., for his excellent legal work and credit expertise, without which this book would not have been possible.

Product Details

• Paperback: 160 pages
• Publisher: St. Martin's Griffin (December 15, 1997)
• Language: English
• ISBN-10: 0312155301
• ISBN-13: 978-0312155308
• Product Dimensions: 9 x 7 x 0.4 inches
• Shipping Weight: 11 ounces
• Average Customer Review: 3.7 out of 5 stars  See all reviews (9 customer reviews)
• Amazon Best Sellers Rank: #775,619 in Books (See Top 100 in Books)

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Customer Reviews

Most Helpful Customer Reviews

105 of 107 people found the following review helpful:

5.0 out of 5 stars The Best Credit Repair Book on the Market, August 20, 1998

By 

The Creative Edge LLC (Falls Church, VA) - See all my reviews
(REAL NAME)   

This review is from: The Fix Your Credit Workbook: A Step-by-Step Guide to a Lifetime of Great Credit (Paperback)

While other credit repair books tell you to write letters and make phone calls, The Fix Your Credit Wookbook tells you what to do after those letters and phone calls fail to work. It details your rights as a consumer and, armed with that knowledge, you can be more effective in getting credit bureaus and creditors to respond favorably to your requests. If your creditors remain obstinate, review the authors' checklist to see if the creditor and/or credit bureau ever violated your rights. If so, follow their detailed instructions for filing a lawsuit against that creditor/credit bureau. Send the lawsuit and chances are you'll get what you want. In the process of applying for a mortgage I read several credit repair books in an effort to clean up my credit report. Compared to The Fix Your Credit Workbook, those other books were whimps. This book gives you information you can really use, details your rights, and gives you the ammunition to get concrete results FAST! The authors give you tips on what to negotiate for when writing to creditors. They give you sample letters. If a lawsuit becomes necessary, they give you detailed sample lawsuits and tell you how to file them. They also give you their website address, where you can find more tips and up-to-date information. After reading this book you'll realize that never again do you have to be at the mercy of creditors and credit bureaus. You have more power than you know. Your ignorance is the creditors' and credit bureaus' best weapon against you. Knowledge is your best weapon against them.

21 of 21 people found the following review helpful:

4.0 out of 5 stars Pretty good -- if you want to know how to sue, August 23, 2001

By 

sgopal2 (Princeton NJ) - See all my reviews

This review is from: The Fix Your Credit Workbook: A Step-by-Step Guide to a Lifetime of Great Credit (Paperback)

I bought this book hoping to find out how those credit repair scams work. Todd Bierman doesn't go much into this as I'd like. He simply refers you to his other book, titled "Guerilla Guide to Credit Repair).

The Fix your credit workbook concentrates on how to demand reparations from credit agencies and what to do if they don't respond to your demands. He goes as far as provides stock letters for the credit agencies and a step-by-step guide on how to SUE in federal court by yourself.

I'm not a lawyer, but I think its foolish for any lay person to sue a credit agency in federal court without a lawyer. But Bierman does do a good job in case some bold soul out there wants to know how to file a petition in federal district court.

I just ordered the Guerilla Guide today and am anxiously awaiting it. The Fix your credit workbook is well written and a must have to deal with these pesky credit agencies nowadays.

21 of 21 people found the following review helpful:

3.0 out of 5 stars It's not as bad as some of the others..., July 5, 2001

By A Customer

This review is from: The Fix Your Credit Workbook: A Step-by-Step Guide to a Lifetime of Great Credit (Paperback)

For standard 'dispute letter' type credit repair (the type that is used by most credit repair companies) I'd recommend "The Guerrilla Guide to Credit Repair" by Todd Bierman & Nathaniel Wice.. even THIS BOOK makes the same recomendation. But, when and if things get sticky and results are lagging and you have accounts that are legitametly NOT YOURS or NOT CORRECTLY REPORTED and you are prepared to use your legal rights to the fullest extent of the law to protect yourself, then this is a good book. If you are serious about repairing your own credit, then I'd recomend getting this book and the Guerrilla Guide both. The average person however, would benefit most from the Guerilla Guide book by (one of) the same authors as this book.