by Jason R. Rich
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Product Description
Insider secrets that can improve your credit score These days, maintaining a good credit report and FICO score is critical. This insider guide reveals how the FICO score is calculated—and lets you in on how to manipulate it. Dirty Little Secrets from the Credit Bureaus offers you little-known strategies for improving credit scores and making a credit report look attractive to lenders. Credit experts from well-known companies show you the best way to communicate effectively with the three major credit bureaus to make corrections and update information. Plus, it reveals how you can get bad information legally removed from credit reports.
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Average Customer Review:
1 of 1 people found the following review helpful:
 No big secrets, 2008-06-02
I was very disappointed in this book. The "BIG" secret is; pay your bill's on time! This book actually gives bad advice if you are trying to better your credit score. There are many other books out there with much more and helpful information. Don't waste your money. Most of the book is about common sense or information you can find on the credit bureaus websites. Unless you want to know about how to handle debt collector's this book is useless. Not ONE dirty secret!!! I even checked the year the book was writen in, I thought maybe is was from a decade ago....
3 of 3 people found the following review helpful:
It is what it is, 2007-08-06
I think this book accomplishes its narrow purpose - to be an extremely basic overview mini-book for the credit novice. There is no in-depth examination of any topic, the title is definitely misleading (all the while I read I kept waiting in anticipation of the 'dirty little secrets' that were never to materialize) and will not be informative for anyone who has a basic knowledge of managing credit. Even if you are a credit novice, this is not a reference resource that you need to own, save yourself the purchase price and get it from the library instead.
6 of 6 people found the following review helpful:
No new or "secret" information, 2007-08-01
The things that this book told me were things that are common sense & common knowledge about credit scores and credit reports. There was nothing in it that would help me repair my credit besides the traditional step: try to pay off as much as you can, which is a probblem when you dont have the money. It wasnt what I expected.
3 of 5 people found the following review helpful:
 Credit 101 at it's best, 2007-07-10
I purchased the book, and, no, there are no "dirty little secrets" in the book. The title is more to grab your attention than anything. This book is credit 101. It takes a topic that is (lets all agree) very BORING, and puts it into a form that is easily understood by anyone with a 9th grade reading level. I work in the credit business and I look at people's credit every day. Most of them are a nightmare precisely because they don't understand how credit works, or what helps, or what hurts. Credit is not getting better. It's getting worse, and this book should be a mandatory read. Not because it's full of incredibly detailed information, but because America as a whole is credit-ignorant and could use a 101 crash course. Yes, you could get the same information from surfing multiple websites, but if you want all that information in a very simple, short, and easy to understand book, this is it. Parents aren't teaching good credit information to their kids, so who's going to give them credit 101 info? This book is so basic that it should be a mandatory read for kids as soon as they land their first job. Yes, the title is a bit misleading. No, there are no earth shattering tidbits in it. Considering most people in America have NO CLUE about the ins-and-outs of how credit works, or how even a simple late pay can damage their credit, or how to go about resurrecting their credit, I would strongly suggest this book.
3 of 3 people found the following review helpful:
No Good, 2007-07-06
Do not buy this book. It contains very generic information that you can get almost anywhere. I learned nothing new. At the end it contains 2 interviews with the "credit reporting agency gurus" (public relations specialists from 2 credit reporting agencies), basically saying the same things you find on their websites. The book actually seems like it was written by the CRA's to favor their rights and positions - not the consumers. The only "Dirty little secret" is that this book was a waste of money. I am returning it. Try Bestcredit by Dane Neal instead. BestCredit: How to Win the Credit Game
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