You're Nothing but a Number - Why achieving great credit scores should be on your list of wealth building strategies (Paperback)

~ John R. Ulzheimer (Author)
Key Phrases: consumer reporting agencies, credit myths, great credit reports, You're Nothing, Fair Credit Reporting Act, John's Bank (more...)

Editorial Reviews

Review

"John has a rare combination of expertise and passion that make him a dynamic educator. His knowledge comes from many years spent in the inner sanctums of Fair Isaac and Equifax. Fortunately, he isn't afraid to share what he learned at those companies. If you want the inside scoop on credit scores and (credit) bureau reports, John is simply the best." --Craig Watts, Fair Isaac Corporation (investors of the FICO® credit scoring system)

"You're the best teacher on the subject I've ever had." --Jean Chatzky, Financial Editor for NBC's Today Show and featured money coach on Oprah's "Debt Diet" series

Good credit is second only to money in the bank. If you want a better credit score, forget all the credit repair manuals and far-fetched promises you've seen on the Internet. You need one thing: this book. You'll learn exactly how to build and keep strong credit. This book can save you a small fortune! --Gerri Detweiler, Consumer Advocate and Author of Invest In Yourself: Six Secrets to a Rich Life

Product Description

"John Ulzheimer didn't know that credit would be his calling when he took a position with the credit bureau, Equifax, back in 1991. You're Nothing but a Number is Ulzheimer's first-person exposé of the credit industry. Using his insider experience, Ulzheimer will show you how to master your credit scores and get ahead."

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Product Details

• Paperback: 143 pages
• Publisher: Credit.com Educational Services (September 7, 2007)
• Language: English
• ISBN-10: 1424335124
• ISBN-13: 978-1424335121
• Product Dimensions: 8.3 x 5.5 x 0.4 inches
• Shipping Weight: 7.2 ounces (View shipping rates and policies)
• Average Customer Review: 5.0 out of 5 stars  See all reviews (5 customer reviews)
• Amazon.com Sales Rank: #469,578 in Books (See Bestsellers in Books)

Customer Reviews

Most Helpful Customer Reviews

17 of 18 people found the following review helpful:

5.0 out of 5 stars Finally!!, September 11, 2007

By	D. Tate (Alpharetta, GA United States) - See all my reviews

Finally a book about credit reports and credit scores written by someone from INSIDE the credit industry rather than by someone simply researching the industry. If I read one more book about sending dispute letters to the credit bureaus I was going to puke!! The book is loaded with stuff that I didn't know and have never read in any other book, blog or website before. At first I thought $24.95 was a little pricy but it was totally worth it. In the foreword it says "this book wasn't written by a guy who knows a guy who knows the story. It was written by the guy who helped write the story." Ain't that the truth. Just to make sure he wasn't full of it, I did a search on his last name and he's quoted in like tons of national press articles. Good book.

14 of 15 people found the following review helpful:

5.0 out of 5 stars From The Author, September 12, 2007

By	John R. Ulzheimer (Atlanta, GA) - See all my reviews (REAL NAME)

Hello, this is John Ulzheimer and I wrote this book.

For those of you who have purchased it, you can and should consider it an investment in your financial future. Why? Because having great credit reports and credit scores is the best way to keep more of your hard earned money at home, where it belongs.

A little background...

I actually started writing this book in 1997 after I left Equifax. The original title was going to be "Inside the Walls." I had about 30 pages finished when I realized that any book about credit needed to have a significant dedication to credit scoring. I had just taken my new job at Fair Isaac (FICO) and I decided to put the book on hold until I was well versed on the subject of credit scoring.

When I left Fair Isaac in late 2004, I started re-writing the book from scratch. I finished it in early 2007. What you have is a 10-year labor of love and insight into the inner workings of the credit industry. I certainly hope you enjoy it and I hope you can leverage what you learn into better credit health and all that it entails.

Why is this book different...

This book is NOT about credit repair and it's not a bunch of quotes and research results. This book was written by an industry veteran (still in the industry) and it's all about learning how the system works so that you can function better within it. It's not about how to fool the credit reporting and credit scoring systems.

If you're trying to figure out how to beat FICO or have accurate (but negative) information removed from your credit reports under false pretenses then do NOT buy this book because it's not for you. If you are ready to learn how to EARN better credit using lessons that will last a life time and can be handed down to your children and their children then this is the book for you.

Enjoy!!

John

5 of 6 people found the following review helpful:

5.0 out of 5 stars You're nothing but a number, September 24, 2008

By	K. Krycia "kristin Orion" (East coast) - See all my reviews (REAL NAME)

This is an excellent book and is especially good for those of us who do not understand the world of finances very well. I took a class before this book and found the information to be contradictory to what the author has written. It is written in a matter of fact, truthful way. It's worth having.