Customer Reviews

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

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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

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.

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.

Amazing Book!!! Did helped me understanding how my credit get scored. Very Clear and direct to the point. I Recommend. Really help to establish credit,improve your credit score and also prepare for new investment like mortgage or new car loan. Will allow to save money with better interest rate thanks to your credit score. Thanks John for all the good information you provide in this excellent book.

I appreciated reading a book on credit written by someone who has worked for one of the major credit bureaus. The information is insightful and relevant. This book contains details I had not read elsewhere and confirmed some "secret, insider information" I'd been told verbally by other employees in the credit field. Highly recommended.

This book is very interesting reading. It presents you with information that most people were unaware of including myself. I would recommend it to anyone who is interested in knowing about the credit scoring system and how it works.