Customer Reviews

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

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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.

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.

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.

I know it sounds crazy, but after reading this book I felt like I knew Kung Fu when I was dealing with the Credit Bureaus and my past creditors. I had wonderful success prior to this book with the strategies that I learned from "Guerrilla Guide to Credit Repair", but when I started using the strategies from this book, I took it up a notch. In a few instances my creditors read the letters that I developed from reading this book, and simply gave in to my requests. The straetgies require a little time (A few months)a little typing and a little postage, but it yields amazing success. In fact, I have even begun helping others to recover their credit. God Bless Todd Bierman and Nathaniel Wice.

I bought this book because "Guerrilla Guide to Credit Repair" was very informative, but I wasted my money. The book is a big ad for the author's new Credit Insider online magazine that costs a mere one hundred and twenty five dollars a year. Since "Guerrilla Guide to Credit Repair" was published in 1994, I was hoping for some updated information, but there was nothing new in the book. It wasted a lot of space on forms that you would be sent anyway if you needed to fill them out. Too much space was also wasted on discussing how you could take the credit reporting bureaus to court and it appeared to me that key points may have been left out. Guess you have to buy the magazine to get all the good advice. Spend your money on a better book.

I have looked into a lot of scams promising to clense my poor credit in little to no time only to find out that the items can only be removed temporarily. Many of these scams make it seem as if you never have to repay your debts. This simply is not true. You must repay your debts, but you don't have to pay the amount owed. This book will show you how to negotiate a settlement with a creditor and in the process have negative items deleted from your credit report as a part of the settlement offer.

This book will also teach you the LEGAL ways of restoring your credit. Beware, there are many ILLEGAL ways to restore your credit and you definately want to stay away from these methods.

If you suffer from poor credit as I do then definately pick up this book. Will it help me to return my credit to an A+ rating? Only time will tell. I didn't wreck my credit in a day and I certainly won't repair it in a day. If you are seeking to honestly improve your credit rating be patient. Give it time, it will get better and this book is one great resource to get you on your way.

I Followed the advice in this book and was able to get 11 bad things off my credit report. Some were true, some not, but it really worked.

Now I am buying a house for my family. Thank Your Mr. Bierman and Masten.

Too much if and buts and excrutiating detail that didnt apply. But it is a great guide and has pertinent real-world examples. You might wanna check other books on credit before you get this one. Not dissapointed because I am not going to get another book, but maybe if Amazon would give us a little more than the first page and ten pages of the index, I would have a better idea of what I am buying.

As the author of Hidden Credit Repair Secrets and a Certified Credit Consultant, I found the following areas of the book to be very helpful to the average consumer. How to negotiate for an unrated account, getting forecloses off of your credit report, how to stall creditors when you can't pay, how to deal with defaulted mortgages, and credit negotiation. I thought the book covered very general topics on credit repair, but focused more on suing the credit bureaus.