The majority of debt-ridden consumers are in desperate need of financial budgeting and credit repair. The Essential Credit Repair Handbook contains all the information you need to walk you through the step-by-step process of repairing your credit and leaving debt behind! The book will teach you how to: Dispute late payments, charge-offs, and collection accounts Rebuild your life after a bankruptcy, foreclosure, or short sale Re-establish your credit in spite of a bad credit report Set new financial goals Understand the latest credit card laws and regulations The Essential Credit Repair Handbook is an easy-to-use guide for people who are getting over bankruptcy, foreclosure, short sale, or any financial hardship affecting their credit and are looking to rebuild or re-establish their credit.
The Complete Credit Repair Kit was written for the more than three million consumers who are refused credit each year due to inaccurate, incomplete, or out-of-date information in their credit files. With total bankruptcy filings reaching 1.4 million in 2009, this book is a must-have in today's tumultuous economy. This updated edition covers the Credit Card Accountability and Responsibility and Disclosure Act of 2009, a piece of legislation that offers benefits for credit card users and features blank forms and letters on SphinxLegal.com that readers can use to boost their credit scores.
Now, you can finally end the cycle of bad credit and get back on your feet by following the step-by-step advice and tools in Credit Repair Kit For Dummies, 2nd Edition. You’ll find out everything you need to know about creating a solid plan to get your credit back on track. You’ll discover how to find your credit report, review all of the information in it, and learn how you can repair and spruce it up. You’ll learn how to communicate with creditors and how to budget so that you can pay your bills in full and on time. You’ll learn how to apply these credit strategies to all life situations, from building credit with your life partner to financially surviving a divorce, unemployment, and student loans. You will find out how to safe-guard your identity so that other people don’t damage your credit. Find out how to: Take charge of your credit Get help from credit counselors Request copies of your credit report Know how to interpret your credit report and credit score Avoid foreclosure Communicate with collectors, lawyers, and the courts Manage medical debt Safe-guard your identity Complete with lists of ten tips to avoid identity theft and reduce damages, ten ways you can prevent foreclosure, ten methods for establishing and improving credit, and ten strategies for handling financial emergencies, Credit Repair Kit For Dummies, 2nd Edition is your one-stop guide to improving and maintaining your credit score and protecting your identity. Note: CD-ROM/DVD and other supplementary materials are not included as part of eBook file.
The Breakthrough Guide to Building Wealth by Battling the Bulge! Did you know if you buy a chicken sandwich with fries every day, you'll consume 291,00 calories , gain 83 pounds, and spend over $1,200 in just one year? Or that if you put that money in a mutual fund, over ten years, you'd save $19,000? Face the facts. There are direct connections between your weight and your wealth, your eating habits and your spending habits. But you can change those habits, cut those calories, trim those pounds-and save a small fortune doing it! This easy-to-follow guide has been specially designed by mother-daughter financial experts who understand just how tempting that daily donut can be, but know a few tricks on how to turn your indulgence into real dough. They'll show you how to Slim your waistline by avoiding calorie-laden foods Fatten your bank account with a dedicated investment strategy Get real about restaurants, take-out, delivery, fast food, and gourmet coffee Get rich doing it! Includes the amazing Money Calorie Counter! This tool helps you track how many calories you're cutting each day-and how much money you're saving!
With more and more people declaring bankruptcy and total debt in this country rising, the time is perfect for a book like The Complete Guide to Credit Repair. Not only will this book show people how to repair bad credit to stay out of bankruptcy, it will show them how to avoid bad credit in the future and what they can do to strengthen their situation. Credit bureau information and other vital resources have all changed within the last few years. The Complete Guide to Credit Repair - written in a simple, straightforward tone - is packed with up-to-date information on a topic that millions of people face everyday.
A bad credit rating can keep you from buying a house, renting a car, or even sending flowers. yet most people don't know how to find out the status of their credit or how to fix it if it's bad. This book can save you time and money. Written by a journalist and a credit consultant to the mortgage industry, The Guerrilla Guide to Credit Repair tells you how the major credit bureaus compile your credit history, and teaches you how to deal with them if there is a problem. Easy to use, the book shows you: --How to contact three major credit bureaus and get a copy of your credit report. --How to decipher and understand the report's complex codes, numbers, and implications. --Step-by-step, how to correct errors and clean up your credit history. --How to use your legal rights under the Fair Credit Reporting Act, the Fair Billing Act, and the Truth in Lending Act to protect yourself against credit abuse. Sample credit reports, form letters, and proven techniques for credit repair makes this an invaluable guide for all consumers.
Credit repair is profitable. It's a recurring-revenue business that you can launch with just a computer and a phone. Learn to repair credit for yourself and others and start your own profitable business from home. Credit Repair Professionals are always in demand and can earn $10,000 to $20,000 per month (or more). The most successful credit repair businesses all follow the very same methods and this book breaks it down into easy to follow steps. You'll learn: - Credit repair basics - Legal ways to remove difficult items from Credit Reports - How to work with clients who have a bankruptcy, collections and other issues - Advanced Tactics - How to launch a business for under $100 - How to get a lot of clients without paying for advertising - Tips and tricks to grow a highly profitable, recurring-revenue business If you've been thinking about starting your own credit repair business, this guide will drastically shorten your learning curve. It's the most comprehensive book available on the credit repair business.
A credit score is much more than just a number. A low score means worse interest rates on new lines of credit and a reduced likelihood of qualifying for loans. It can even jeopardize chances of getting a job and finding a place to live in some cases. Many people believe that when their debts are too high, they have no chance of repairing their credit score. However, this doesn't have to be the case as long as the knowledge of quickly raising one's credit score is understood. Credit excellence can be achieved through options like standard credit counseling, debt settlement, credit repair, and even bankruptcy.
The painless way to manage credit in today's financial landscape People with great credit scores are getting turned down for credit cards and loans for homes and cars. What do they need besides a good score? What are lenders looking for now that they are extremely risk-averse? Repairing broken or damaged credit is one thing, but having to meet today's much stiffer credit standards requiring that consumers consistently manage their credit is another thing all together. Credit Management Kit For Dummies gives you answers to these questions and insight into these concerns, and also walks you down the correct path to credit application approval. You'll discover major changes with the Credit CARD (Credit Accountability, Responsibility, and Disclosure) Act provisions and the new Consumer Financial Protection Legislation Agency; the effect of tightened credit markets on those with good, marginal, or bad credit; new rules and programs including Hope and Government options via the Obama Administration; the best ways to recover from mortgage related credit score hits; tips for minimizing damage after walking away from a home; credit score examples with new ranges; and much more. The pros and cons of credit counselors The quickest and most effective way to undo damage from identity theft Advice and tips about adding information to a credit report, and beefing-up thin credit Guidance for evaluating your Credit Score in today's economy Fannie Mae's revised guidelines for purchasing mortgages Information on significant others (boyfriend/girlfriend/spouse) and credit and debt sharing IRS exceptions to the Mortgage Forgiveness Debt Relief Act in a mortgage meltdown situation Not just for those who have bad credit and need to repair it, Credit Management Kit For Dummies also serves as an invaluable resource for those with average credit who want, or need, to manage it to get a job, reduce insurance costs, qualify for banking products, and more.
Credit Repair - Special Edition - Two BooksDiscover How To DELETE All Negative Items From Your Credit Report!Real dispute letters and templates Included in this special edition of Credit Repair, created from the author's real world experience of having to fix and improve his credit report and score using whatever means necessary when it was destroyed by bad debt and student loans. Anyone can improve their credit using the Consumer Laws set up for consumers to protect against creditors and debt collection firms, including law firms.Book One: Credit Score RepairCredit Repair Is Available To Everyone - Roughly 30 percent of all Americans are dealing with a poor credit score and more are falling into the trap of bad credit on a daily basis. This book can show you how much power you really have when it comes to improving your credit report, score and financial situation in as little as a few months' time. It doesn't matter what type of debt you have accrued, the amount or how recently it has happened, there are numerous different ways of removing it from your credit report ASAP, all of which are discussed in detail inside including step by step instructions and even sample letters when applicable. You will find ways for dealing with credit card debt, late payments, liens, and judgements, even foreclosures in the quickest and most effective means possible. While creditors will lead you to believe otherwise, there are actually a wide variety of options available to those who are simply aware of their rights and are willing to fight to work out the best deals for themselves as possible, all of which are discussed in detail inside. Don't let creditors push you around or let your credit score languish below 700, be proactive, take control of your financial future today.Inside you will find-A detailed explanation of all three credit reports, their similarities and differences.-The only true way to get all three reports online.-All the laws that you need to know to protect yourself from unscrupulous creditors.-The easiest ways to boost your credit score no matter your past credit history.-A step-by-step process to removing black marks from your credit report no matter the cause.-Credit repair tips for any scenario and any amount owed.-Surefire ways to stop creditors in their tracks.-Tips for maintaining positive credit once you have restored your pristine record.-Identity theft and fraud prevention tips you haven't heard a thousand times before.-Cyber Threats And Prevention*************************************************Book Two: Credit Repair LettersReal Life - Real World Credit Repair and Score Increase TacticsIncludes real credit letters and disputes as always.There's no need to hire attorneys or credit repair firms. All they do is send out a templated letter anyways, and creditors get those all the time...BIG DEAL. When the actual DEBTOR (You) sends a serious letter...whoa, watch out..Consumer Laws being brandished on the collector/creditor!! They don't like that and will do whatever necessary to get rid of you fast, if you reach the right person and say the right things.These proven strategies can work for anyone. This book will show you how to take action and restore or improve your credit.When doing credit repair...you want your negative information DELETED, do not settle for any other status. Let's face the facts here, without good credit you spend A LOT more money on things like mortgages, car loans, INSURANCE and cell phone plans. Even healthcare can cost a lot more.And let's not forget that nowadays employers usually will check your credit to ensure you aren't a financial risk to them. If your credit sucks, and it's a job you really want, how awful would that be if you get passed over because of your credit score or credit report?
