by Jamaine Burrell
|
| List Price: | $21.95 |
| Amazon Price: | $14.93 & eligible for FREE Super Saver Shipping on orders over $25. |
| You Save: | $7.02 (32%) |
| Average Rating: |  |
| Lowest New Price: | $13.16 |
| Availablitiy: | Usually ships in 24 hours |
|
 |
|
Product Description
Your credit score affects every aspect of your financial life including qualifying for loans and mortgages, low interest rates, housing, employment opportunities, and even insurance premiums. Millions of Americans have negative, inaccurate, and unverifiable information on their credit report. Repairing your credit profile is one of the most important financial decisions you can make. You re about to take the important step of taking control of your credit! If you re like the average American, having improved credit will save you thousands of dollars on your loans and credit cards. You do not need a credit repair clinic. Save the money. Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost using the plan in this new book. There are federal laws in place to make sure that you can repair problems on your credit report and increase your credit score. These laws are found in the Fair Credit Reporting Act. This book will show you how to use your legal rights to increase your credit score. You will learn how to remove questionable items from YOUR credit reports, including: late payments, collections, judgments, liens, charge offs, bankruptcies, foreclosures, repossessions, and identity fraud. This new book will be your road map to credit repair information, and give you tips on how to maintain a stronger credit profile, repair bad credit, improve credit scores, and correct personal information.
Customers who bought this item also bought
Average Customer Review:
6 of 7 people found the following review helpful:
 Almost Is Not Good Enough, 2008-06-24
With over twenty-five years experience in the financial services industry. Much of it concumer personal finance education, I have worked with Fair Isaac and teach credit scoring classes. I find too many errors to mention in this book. The author means well but writes as if she is in the banking or mortgage industry, which has too many so-called experts on credit, and so-called knowledge of how a credit report works. Most learn through office memos or banking seminars, which are only half correct and mislead most with half truths.
My point is if you truly want to learn about your credit report and score simply print a copy of the FCRA and the FACTA from the FTC.GOV website. This book is full of half truths and misleads all of it's readers on many points.
EXAMPLE: The book states with a bad credit score an insurance company can deny you insurance. This is a flat our mis-statment and against federal laws. No insurance company will, or can deny anyone insurance of any kind with a low credit score. The insurance company is only allowed to rate your premiums based on your credit information.
There are too many examples to list of where the author in the book misleads you. I know she means well but I feel much of her knowledge is from the office water cooler and not the actual FCRA and FACTA.
Sincerley,
Phillip Day, AFC
9 of 10 people found the following review helpful:
Good source to get back on track, 2007-10-19
I wish I had this book a few years ago. It would have saved me from a few problems I could have easily avoided, even though I thought I was Mr. Know-it-All when it came to credit and debt.
It gives you the low-down on how credit scores are figured out, the agencies that do the reporting and how you can be in trouble based on the number of accounts you have, collection actions against you, past due payments and delinquent accounts.
OK, so you're faced with mounting debt. Relax. You can get back in the game by determining what is causing your growing money problems. The author explains in detail how to use debt-to-income ratio calculations to lower your debt in your monthly budget while including necessary savings in those budgets, as well as using credit counselors, negotiating a payment plan with creditors and other helpful methods.
The book points out how to open safe accounts that will show potential creditors you can pay your bills and save money, and how you can correct inaccuracies in your credit information.
Burrell details the different types of cards and loans to look for in order to maintain a good credit rating on your path to recovery. The more you understand credit, the better you are able to take advantage of the options available, the author explains.
3 of 4 people found the following review helpful:
Excellent Resource for Building, Maintaining, and Protecting Your Credit, 2007-10-01
If you're like me, you're familiar with credit reports and maybe even FICO scores. But, if you're like me, you don't know the difference between a credit report and a credit file. You don't know exactly how credit scores are calculated. And you don't know about all the other types of credit collecting and reporting vehicles used to decide whether or not you get the job or medical coverage you applied for. How to Repair Your Credit Score Now provides the answers to these and many other credit-related questions you may not even know to ask.
Burrell's depth of research is impressive. Each chapter, from "What is a Credit Score?" to "Maintaining Good Credit" provides clear, detailed explanations that make it easy to understand credit and how it impacts us. And perhaps more important, they provide the steps and resources to take an active role in building, maintaining, and protecting our credit. For example, Chapter 3, "Credit Scoring Models," explains exactly how credit scores are calculated, and Chapter 5, "Repairing Bad Credit," dispels the myths and scams some debt `repair' agencies use and provides real, concrete actions consumers can take to minimize damage from bad credit.
Throughout How to Repair Your Credit Score Now, Burrell provides illustrative charts, resource contact information, and sample letters to assist you in building, monitoring, disputing, and protecting your credit information. It is an invaluable resource for any one wishing to take an active role in understanding and protecting their credit.
12 of 13 people found the following review helpful:
If You're Serious About Fixing Your Credit, This Book's For You!, 2007-09-24
Jamaine Burrell's comprehensive work provides a fundamental understanding, building, and repairing your credit score. Have you ever wondered why you receive copious amounts of credit card solicitations in the mail? Why you can't qualify for a car loan or a mortgage? If so, then Burrell's book is the one for you.
In the simplest of terms, your credit score dictates a great deal of your financial future - the higher your score, the better your credit. Burrell begins by explaining the elements used to calculate your credit score and then how to go about manipulating those elements to your favor. The emphasis of Burrell's book is the importance of maintaining and monitoring your credit score, that, and understanding that there are several sources that provide credit scores including FICO, the Fair Credit Reporting Act, and the Fair and Accurate Transaction Act. Credit scores are then differentiated into either standard credit reports or investigative credit reports.
In general, credit reports can be sold to creditors, lenders, and other business entities, as well as accessed online. Burrell also covers the areas that credit reports can legitimately be used for including the following: medical information; rental agreements; tenant screening; and employment histories. If your credit score needs to be fixed, Burrell's book provides helpful ways to identify building up your credit as well as methods that won't help. Additionally, these useful pieces of advice include how marriage, divorce, and/or the death of a spouse will impact your credit.
Through Burrell's solid research and her ability to connect with the reader, she manages to tutor you in the tangled was of identifying credit professionals to assist you with any of your issues, preventing identify theft, and handling bankruptcy, if necessary. This book provides an excellent resource for people to begin learning about credit and preventing future mistakes or for those currently embroiled in credit problems to hopefully extricate themselves as painlessly as possible.
1 of 2 people found the following review helpful:
An important guide for any who would navigate the uncertain world of consumer credit., 2007-09-07
HOW TO REPAIR YOUR CREDIT SCORE NOW: SIMPLE NO COST METHODS YOU CAN PUT TO USE TODAY offers detailed insights into the entire realm of how consumer credit works, making it a top pick for any public library general-interest collection. Here are chapters covering the basics how to not only understand the consumer credit system, but how to repair broken credit, save thousands on loans, handle questionable items on credit reports, repair bad credit, and more. An important guide for any who would navigate the uncertain world of consumer credit.
Diane C. Donovan
California Bookwatch
Price is accurate as of the date/time indicated. Prices and product availability are subject to change. Any price displayed on the Amazon website at the time of purchase will govern the sale of this product.
|
Store Categories
|