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Perfect Credit: 7 Steps to a Great Credit Rating Paperback – September 7, 2010
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Top Customer Reviews
Next, she guides you through the maze of how you can easily destroy your credit or make it far better until it's perfect.
Much of what she says is fresh and new. For example, I had no idea Avis (and perhaps others?) do a hard pull on your credit when you use a debit card!
She favors using a credit monitoring service. Most financial writers --- at least those I've read --- do not. She backs up her opinion with valid reasons as well. I don't particularly agree with her on this either. For one thing, the FICO seen by the creditor and that seen by the consumer "may" not be the same. Of course, there may be valid reasons for "some" people to use such a service.
This is an excellent book. If you care about your credit, you are well advised to get a copy and read every word.
-- Susanna K. Hutcheson
There are very detailed steps for those who need to get out of debt or fix their past mistakes. But for those who are new to the country or just don't have any credit history for other reasons there is nothing to fix really. This situation is only slightly touched in the book - there are no clear steps or advice as to the optimal way to start building your credit from scratch and up to the perfect score. After reading the book, you know what not to do, and what mistakes to avoid, but you still don't know what exactly to do and what's the best way to start. Like will you get to the perfect score faster with three or more credit cards or two is just enough? Is it absolutely necessary to get into some sort of debt on purpose just to show that you can pay it off responsibly or can you get to perfect even if you never carry over any balances on your credit cards and haven't got any loans? These topics are not fully covered.
I still recommend this book to anyone interested in perfect credit, with or without a previous history; just don't hope that it will answer all your questions as I did based on the book description and previous reviews.
Most Recent Customer Reviews
This book is a roadmap that instructs you how to achieve a perfect credit score.Published 8 months ago by Amazon Customer
This is probably an excellent reference for many people. It did not provide me with concepts or methods I was not already familiar with. I expected too much.Published 14 months ago by Lawrence W. Gooss
I am glad I purchased and look forward to enjoying my product will purchase again thank you sooooo much you all!Published on September 16, 2013 by Adrian
Nothing in this book shows you how to get perfect credit. The only thing I
Learned was that I want my money back
As a person who is trying to become a credit expert, I did learn a few new things from this book.Published on August 17, 2013 by Cathy Odell
I was looking for help with my credit. But some where I put the book down.. Maybe . will keep reading.Published on January 20, 2013 by Brenda