How to Get Out of Debt: Get an a Credit Rating for Free Using the System I've Used Successfully With Thousands of Clients (Paperback)

~ (Author), Lisa Tener (Editor)

Editorial Reviews

Review

How to Get Out of Debt: Get an A Credit Rating For Free by Harrine Freeman is full of practical advice on where to file complaints, sample letters, spending plan spreadsheets, statute of limitations time periods, and much more. For the past six years, Ms. Freeman has been the CEO of a credit repair and money management company, so she knows what she is talking about. --Alan Caruba, Editor, Bookviews.com

Like many Americans, Harrine Freeman, has been through credit difficulties. But not only has she turned her situation around, she has gone on to help others do the same with her straightforward guide to better credit, How To Get Out of Debt: Get an A Credit Rating For Free. Her book is here at a time when so many people need this kind of help. --Gerri Detweiler, consumer advocate and author of The Ultimate Credit Handbook

This is a must read that will empower readers to reevaluate their spending habits and become focused on securing their financial future. --Books2Mention Magazine

From the Publisher

From the Publisher
As heard on Heaven 1580AM - 2006 Stellar Award Winner, WLKF 1430AM - Home of Rush Limbaugh and Sean Hannity

According to the Fair Isaac Corporation (FICO) approximately 30 million Americans are in debt and receive bad credit ratings every year. In 2005, 2 million Americans filed for personal bankruptcies. Change your life and get out of debt today.

Harrine was over $19,000 in debt and was able to get out of debt while earning $21,000 a year, became debt free and has been for the past ten years. You can do it too just like Harrine did.

How To Get Out of Debt: Get an "A" Credit Rating For Free gives you step by step details of how to get out of debt. The first step is to identify your spending habits. Next create your own spending plan to begin paying off your debts, establish an "A" credit rating and develop a nest egg for the future.

How To Get Out of Debt: Get an "A" Credit Rating For Free will show you how to:
* Determine if you have bad credit
* Repair your credit
* Maintain your good credit
* Deal with telemarketers and creditors
* Create your own spending plan
* Prevent identity theft

About the Author Harrine Freeman is a credit repair expert and CEO of H.E. Freeman Enterprises, a credit repair and personal finance services company. She provides personal consultations to teach consumers how to get out of debt and learn how to manage their finances. She also provides debt management workshops for schools, churches and organizations.

Industry Reviews
How To Get Out of Debt: Get an "A" Credit Rating For Free is a fantastic guide for anyone deep in debt or facing credit problems. "If you need credit help, Harrine Freeman offers the inside scoop on the tips, tricks and techniques that really work"!
-- Lynnette Khalfani, author of the New York Times bestseller Zero Debt: The Ultimate Guide to Financial Freedom and recent Oprah Show Guest

"Like many Americans, Harrine Freeman, has been through credit difficulties. But not only has she turned her situation around, she has gone on to help others do the same with her straightforward guide to better credit, How To Get Out of Debt: Get an "A" Credit Rating For Free. Her book is here at a time when so many people need this kind of help".

--Gerri Detweiler, consumer advocate and author of The Ultimate Credit Handbook

See all Editorial Reviews

Product Details

• Paperback: 240 pages
• Publisher: Adept Publishers (December 15, 2006)
• Language: English
• ISBN-10: 1933949430
• ISBN-13: 978-1933949437
• Product Dimensions: 8.4 x 5.5 x 0.6 inches
• Shipping Weight: 9.6 ounces (View shipping rates and policies)
• Average Customer Review: 4.8 out of 5 stars  See all reviews (8 customer reviews)
• Amazon.com Sales Rank: #721,721 in Books (See Bestsellers in Books)

Customer Reviews

Most Helpful Customer Reviews

4 of 4 people found the following review helpful:

4.0 out of 5 stars Change: It's Never Too Late, February 20, 2007

By	Read Zone Book Reviews & Promotions (Whitehall, PA USA - http://www.rzbr.com) - See all my reviews

The ramifications of bad credit and overwhelming delinquent accounts affect every aspect of your life. The constant phone calls, the never-ending stream of letters and the bank account that is always short should be a wake up call to most. Maybe it is. But the humiliation and embarrassment of failed finances hinders many from obtaining help.

In How to Get Out of Debt, Author Harrine Freeman opens up her life, laying her poor decisions out for the world to learn how she stumbled down the slippery slope into the never-ending abyss of debt. Her sincerity and honesty is a refreshing opening to this life guide of accomplishing good credit and healthy financial living.

Relying on sound and logical principles of finances, Ms. Freeman explains how we dig ourselves into debt and the small steps vital to tip toeing our way back to financial freedom. She has packed a tremendous amount of information into this 240 pg guide, complete with sample letters to creditors, an invaluable list of consumer protection agencies, and other resources and guides.

When I first opened it, I sighed, wondering how it could be any different from the advertisements that come on after hours, promising all the information in the world for just $19.99, and offering you no more than what you already knew and never implemented. As you can tell from the review, I have struggled from undergraduate debt; I know this merry go round well. Three hours later, I had devoured Ms. Freeman's guide, tucking it on my shelf of "very necessary day-to-day living" reading. No doubt, folks, this one is a keeper.

About The Author:

Harrine Freeman holds a B.S. degree in Computer Science and is currently pursuing a Master's degree in Information Technology. She has written articles for various financial and self-help magazines. She has been a speaker at local churches, schools and radio shows. She is a member of the American Association of Daily Money Managers.

Key Positives:

A clear read. Simple and to the point, this guide touches on each and every aspect of debt and bad credit, leaving nothing to chance.

The resources listed in the appendices are impossible to collect on your own, well, maybe not entirely impossible, but why would you want to if you didn't have to? Also, there is a listing of terms and definitions, clarifying and correcting what we think we already know.

Key Negatives:

At times a bit pitchy however keep on reading, the wealth of information to be gained is rewarding.

Rating: 4 out of 5 mice for sincerity, clarity, ease of read, wealth of information and willingness to share personal experiences.

Reviewed by: a.Kai of Read Zone Book Reviewers

2 of 2 people found the following review helpful:

5.0 out of 5 stars Got Debt? Get This..., July 2, 2007

By	M. Bruner ""Deltareviewer" Real Page ... (Oklahoma!) - See all my reviews (REAL NAME)

Will that be cash, check or charge? We have all heard those words as we step to the cashier. But how many of us pay cash for everything? Not many seeing that over 30 million Americans are in debt. Freeman has written an easy to follow guide to becoming debt-free and getting an "A+" credit score.

The chapters discuss everything you need to turn your credit situation around. How to recognize the warning signs of bad credit, getting on track after bankruptcy, repairing your credit, improving your credit rating and surviving identity theft are all fully explained with suggestions on how to go about turning things around. Freeman includes examples of letters to send to creditors explaining late payments, reducing your interest, and how to stop junk mail. There are also samples of budgets, how to calculate your spending levels and ideas on cutting back in order to pay off your total debt.

HOW TO GET OUT OF DEBT is an outstanding tool that can be used to restore your credit. Every person needs to read and understand this information before graduating from high school. Parents have to stand tall on discussions concerning finances so that our children don't perpetrate the current financial travesty going on in America. So buy this book for yourself, friends, church, youth group and community organization, your financial independence depends on lessons taught in its pages.

Deltareviewer
Reviewing for Real Page Turners

2 of 2 people found the following review helpful:

5.0 out of 5 stars Highly recommended., January 6, 2007

By	Midwest Book Review (Oregon, WI USA) - See all my reviews

Credit repair counselor Harrine Freeman applies her expertise to the written page in How to Get Out of Debt, a no-nonsense self-help guide to becoming debt free and repairing one's credit. From getting back on track after declaring bankruptcy, to protecting oneself against identity theft (which can cause terrible financial and credit rating damage!), to creating a reasonable spending plan, to simple step-by-step actions to improve one's credit rating and keep good credit, How to Get Out of Debt is a solid resource filled cover to cover with practical, "must-know" advice. A supplementary list of consumer protection agencies, sample monthly budget worksheets, and a list of credit report fees state by state round out this invaluable guide, enhanced by the personal testimony of the author's own experience of foolishly sinking into debt when he was younger, and learning the hard way how to dig himself out of debt and structure his financial life with solid discipline. Highly recommended.