Credit Repair

Make a Plan, Improve Your Credit, Avoid Scams

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Author: Robin Leonard,Margaret Reiter,Amy Loftsgordon

Publisher: Nolo

ISBN: 1413321542

Category: Business & Economics

Page: 464

View: 2064

A bad credit report can get better. Leonard shows you how to take control of your finances, clean up your credit report and rebuild your credit. You'll also learn about credit repair scams, and recent legal development in the world of credit.

Credit Repair

Improve and Protect Your Credit

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Author: Robin Leonard,Amy Loftsgordon

Publisher: NOLO

ISBN: 9781413324280

Category: Business & Economics

Page: 464

View: 4926

Financing a reliable car or the home of your dreams requires good credit. A low credit score will increase the interest and fees you'll pay to borrow money, and might even prevent you from renting an apartment or being approved for a credit card altogether. This comprehensive how-to manual will help you rebuild your credit score and teach you how to protect it from future damage.

Credit Repair

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Author: Robin Leonard J.D.

Publisher: Nolo

ISBN: 1413314899

Category: Business & Economics

Page: 456

View: 5658

Credit problems? Get the acclaimed plain-English guide to fixing your credit report! Nearly 80 percent of credit reports contain errors. In a tough economy when credit is tight, you need to be certain that your financial records are correct and up-to-date. A less-than-flattering report can hurt your chances of qualifying for credit card, loans, renting an apartment or even finding a job. But a bad credit report can almost always be improved or corrected. Credit Repair shows you how to fix your credit situation quickly and easily, explaining the necessary steps in plain English. Learn how to: avoid overspending establish a realistic budget get out of debt now build a financial cushion read and understand your credit report get mistakes on your credit report fixed protect your social security number avoid credit discrimination get positive information added to your credit report negotiate with creditors Credit Repair includes dozens of forms and letters on CD-ROM that will help you spruce up your credit report as easily as possible! The CD-ROM that accompanies the printed version of this book includes forms or other tools; in this eBook, you'll find all those documents in the appendix or at the back of the book. The 10th edition has been completely updated to reflect the latest changes in the law.

The New Bankruptcy

Will It Work for You?

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Author: Stephen Elias,Leon Bayer

Publisher: Nolo

ISBN: 1413324312

Category: Law

Page: 408

View: 1340

Choose the best bankruptcy option The New Bankruptcy provides clear-cut information, answers to common questions, worksheets, and strategies to help you figure out whether bankruptcy is the right solution to your debt problem. Find out: the main differences between Chapter 7 and Chapter 13 bankruptcy whether you qualify for Chapter 7 bankruptcy (the means test) how the Chapter 13 repayment plan works which type of bankruptcy (7 or 13) is better in various situations which debts are wiped out what happens to your property, including your home, car, and retirement accounts, and other ways to handle debt problems. The book also outlines the bankruptcy process and includes completed sample bankruptcy forms.

The Complete Idiot's Guide to Improving Your Credit Score

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Author: Lita Epstein

Publisher: Penguin

ISBN: 9781592576906

Category: Business & Economics

Page: 202

View: 9348

Refuting common credit myths, a practical manual helps readers understand their credit history and its significance, as well as how to use credit, pay bills, pay off debt, deal with financial crises, and avoid scams in order to make one's consumer credit score work to their benefit. Original.

Solve Your Money Troubles

Strategies to Get Out of Debt and Stay That Way

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Author: Amy Loftsgordon,Cara O'Neill

Publisher: Nolo

ISBN: 1413323812

Category: Business & Economics

Page: 392

View: 2716

As the middle class shrinks and the number of Americans struggling to make ends meet increases, more and more people need help handling large amounts of debt. Money Troubles covers a broad range of topics and strategies, so readers can tackle all of their financial problems at once while choosing the tactics that work best in their situations.

Credit Repair Kit For Dummies

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Author: Steve Bucci

Publisher: John Wiley & Sons

ISBN: 1118821572

Category: Business & Economics

Page: 408

View: 4376

Manage and repair your credit Credit card debt is the third largest source of household indebtedness. Credit Repair Kit For Dummies gives you the tools you need to repair your credit. This new edition covers: major changes with the Consumer Financial Protection Bureau's (CFPB) inquiry into overdraft practices and their effect on consumers; dealing with the effect of tightened credit markets on those with good, marginal, or bad credit; best ways to recover from mortgage related score hits or minimize damage after walking away from a home; updated Vantage Score information; updated coverage on reporting programs like FICO Score watch, etc.; what makes a good FICO score today; a new section on significant others (boyfriend/girlfriend/spouse) and credit/debt sharing; Debt Relief Act in a mortgage meltdown situation; the latest tips and advice on dealing with identity theft and annoying collection calls; and more. Online you'll find sample credit reports, forms, templates, and other helpful tools to help whip your credit into shape. Updated credit score examples with new ranges New information about IRS exceptions to the Mortgage Forgiveness Advice and tips about adding information to a credit report, and beefing-up thin credit Useful, downloadable, forms and tools on Dummies.com If you have mediocre credit and want or need to better manage it in order to get a job, reduce insurance costs, qualify for banking products, and more, Credit Repair Kit For Dummies has it covered.

Preventing Credit Card Fraud

A Complete Guide for Everyone from Merchants to Consumers

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Author: Jen Grondahl Lee,Gini Graham Scott

Publisher: Rowman & Littlefield

ISBN: 144226800X

Category: Law

Page: 264

View: 5022

Preventing Credit Card Fraud looks at all angles of this crime and is an easily-accessible guide that everyone engaged in online purchases and sales needs to have to become better informed of what they can do and how they can keep their personal information more secure.

The Debt Escape Plan

How to Free Yourself From Credit Card Balances, Boost Your Credit Score, and Live Debt-Free

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Author: Beverly Harzog

Publisher: Red Wheel/Weiser

ISBN: 1601633920

Category: Business & Economics

Page: 288

View: 5007

Winner of the American Society of Journalists and Authors' 2016 Outstanding Book Award in the Self-Help category Praise for Author’s Last Book: “Confessions of a Credit Junkie is presented in a conversational tone, without confusion, techno-speak complexity or excessive industry jargon. The book breaks through delusion and naiveté and can, given a chance, inspire even the most wide-eyed spender to avoid the pit of debt that snared Harzog and so very many others. —Creditcardinsider.com If you’re in credit-card debt and you’re tired of being told that all you need to do is give up your daily latte—and cut up all your credit cards—this is the book for you. Former credit junkie Beverly Harzog racked up thousands of dollars in credit-card debt during a decade of overspending. When she decided she wanted to break free from debt, she found that conventional advice about personal finance didn’t work for her. So, Beverly created her own unique debt escape plan and succeeded in paying off more than $20,000 in credit card debt in two years. In The Debt Escape Plan, you’ll find easy-to-follow advice, often laced with a touch of Southern humor, to help you conquer—and stay out of—credit-card debt. In this much-needed book, you’ll learn: Why a one-size-fits-all approach to credit card debt doesn’t work. How to use the Money Personality Quiz to customize your own debt escape plan. The nine biggest debt mistakes and how to overcome them. Seven secrets for giving your credit score a quick boost. how to overcome the hardships of medical bills. How to debt-proof your future so this never happens to you again!

Zero Down Your Debt

Reclaim Your Income and Build a Life You'll Love

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Author: Holly Porter Johnson,Greg Johnson

Publisher: Mango Media Inc.

ISBN: 1633534804

Category: Business & Economics

Page: 188

View: 2215

How to get out of debt and enjoy debt free living with the powerful "Zero-Sum Budget" method Zero Down Your Debt ─ How to manage money and experience debt free living: Getting into debt is a piece of cake, but getting out? That’s the hard part. Fortunately, award-winning authors Holly Porter Johnson and Greg Johnson offer actionable tips and advice in their new book on how to get out of debt and enjoy debt free living. The secret? The “zero-sum budget”— the black belt of budgeting methods and the answer to how to get out of debt and pay off that debt quickly. They should know: It helped them wipe out $50,000 of debt. How to get out of debt: With just a pen and a piece of paper in your arsenal, you’ll learn how to implement a zero-sum budget and become debt-free – once and for all. The zero-sum budget’s primary tenets are giving every single dollar earned a purpose — whether it’s for bills, debt repayment or savings — and using last month’s earnings to cover this month’s bills. All you need is the know-how, some willpower, and a positive attitude to transform your financial situation. Let Holly and Greg Johnson show you how to put zero-sum budgeting to work for you. In Zero Down Your Debt you will learn to: • Unlock the powerful potential of your paycheck to help you save more and get ahead faster • Seize control of your money by creating a simple monthly plan that actually works • Understand the root causes of your debt and how to get out of debt • Use a step-by-step plan to eliminate your debt once and for all and enjoy debt free living • Identify and avoid budget vampires that drain your bank account and wreak havoc on your savings • Prepare for unexpected expenses and survive financial emergencies

Hidden Credit Repair Secrets

Extreme Version

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Author: Mark Clayborne

Publisher: BookBaby

ISBN: 162675053X

Category: Business & Economics

Page: 267

View: 8429

Repairing your credit after repeated interruptions is a constant headache we would all like to avoid. If you feel bad simply because you can't pay your bills at the moment they arrive, then you are not alone. The fact is, even the best of us are struggling to meet expectations that the system has placed on us. We calculate the weekly amount we spend on groceries, which are constantly increasing, as well as other bills that are constantly on the rise. Sometimes, it seems to be a no win situation, but the fact is there is always a solution to any problem. In most cases, the problem is that some of us do not have the means to find those solutions; this brings forth more stress and we often feel that we are alone. If you are trying to conduct fast credit repair, raise your credit score and rebuild, you need to find someone who can really help you! According to Google, over 100 million people have bad credit and are searching for a way to repair them every single day. The solution to their problem is to find an easy and proven one-stop resource. They would thus stop wasting countless hours reading articles on the internet and yet they are still confused on where to start. The question is: "Where can you find the solution to do fast credit repair?" Do you want to know how to repair, maintain, manage, and rebuild your credit when it's broken? Fixing your own credit rating is perfectly legal in every state. You can completely restore your credit rating from the comfort and privacy of your own home. You don’t need a lawyer or a tax or financial professional to fix your credit. You will not only forget about thousands to hire a specialist but also say goodbye to debt collectors. Start planning to buy your first new home or car. Today, we live in a world where credit is a necessity for almost every consumer, but it's quite unfortunate that millions of people (possibly including you) are rejected for credit almost every day. Most often, it's usually because of poor credit history or bad credit. It may even be because of errors on your credit report. If you are in this condition too, it's not all your fault, and you are not alone. All you need is to read my latest book, “Introducing... Hidden Credit Repair Secrets - The Extreme Version." In this book, you will discover how to legally restore your credit step-by-step and thus save thousands by settling your debts for pennies on the dollar. Moreover, you will learn how to remove damaging inaccurate negative marks and see results within 30 to 90 days. You will learn how to stop the debt collector’s phone calls and letters, establish and rebuild your credit in 10 different ways and bounce back from bankruptcy within a year. The book teaches you how to raise your credit score fast with proven techniques and how to pick the right credit repair company without being scammed. It will clearly guide you on how to use the easy step-by-step proven 12-letter dispute campaign and how to utilize the easy step-by-step flow charts to guide you to success. The book will thus enable you to perform fast credit repair. You will understand how to pull your credit reports for free, dispute negative items, stop debt collectors, raise your credit score, save money and rebuild it quickly. With bad credit, you'll find it practically impossible to buy a home, a new car, get credit cards and anything else that requires good credit. Take a look at the testimonials from customers who purchased the book; If you want to buy a house, a new car, or you need a new job and bad credit is holding you back, getting a copy of “Hidden Credit Repair Secrets-The Extreme Version” could be the most profitable decision you make all year.

How to Legally Settle Your Personal Credit Card Debt for Pennies on the Dollar

Without Filing Bankruptcy

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Author: Martha Maeda

Publisher: Atlantic Publishing Company

ISBN: 1601383282

Category: Business & Economics

Page: 288

View: 1521

Do you struggle each month to make minimum credit card payments? Are you 30, 60, or even 90 days late on several accounts? If so, you aren’t alone. According to a January 2010 report from the U.S. Federal Reserve, there are 609.8 million credit cards held by U.S. consumers, and the average credit card debt per household is $15,519. In the last 12 months, 15 percent of American adults, or nearly 34 million people, have been late making a credit card payment, and 8 percent (18 million people) have missed a payment entirely, according to the National Foundation for Credit Counseling. If these statistics hit home for you, don’t turn to bankruptcy to solve your financial woes. This book will provide you with the tools to legally settle your credit card accounts — without ruining your financial situation for years to come. How to Legally Settle Your Personal Credit Card Debt for Pennies on the Dollar is for everyone who is unable to pay mounting minimum payments on their credit cards. You will learn everything you need to know about the basics of credit card debt, including interest rates, finance charges, minimum payments, and late fees. Discover what actually happens to your credit when you are late making your payments or stop making payments altogether and how long it takes before your credit cards debt is sold to a collection agency. This book will provide tips and strategies for negotiating with your original creditor and collection agencies and sample settlement letters you can use when working with creditors. Equip yourself with proven strategies for legally challenging the validity of your credit card debt and information on how to determine whether your rights are being violated under the Fair Debt Collection Practices Act. You will find out the advantages of not filing bankruptcy and how to work with credit counselors and avoid debt-reduction scams. Once you have successfully settled your debt and avoided bankruptcy, you will learn how to avoid repeating these mistakes in the future by setting budgets, cutting costs, and lowering interest rates. Learn how the Credit Card Accountability, Responsibility, and Disclosure Act, which went into effect in February 2010, affects you as a consumer. While these new rules do not absolve consumers of their obligations, they do mean that credit card companies can no longer retroactively increase rates, charge misleading late fees, or use over-limit fee traps. We have spent hundreds of hours interviewing top financial experts, bill collectors, and individuals just like you who were able to legally settle their credit card debt without resorting to bankruptcy. If you are tired of dodging phone calls from collectors or worrying about how missed payments have ruined your credit score, get yourself back to a more stable financial situation — one where credit card debt is a thing of the past.

How You Can Profit from Credit Cards

Using Credit to Improve Your Financial Life and Bottom Line

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Author: Curtis E. Arnold

Publisher: FT Press

ISBN: 9780132703451

Category: Business & Economics

Page: 352

View: 2306

Who would not be interested in getting an interest-free loan for 12 months for any type of purchase just for taking a few minutes to complete a credit card balance transfer offer? Or a free round-trip airline ticket twice a year just for making purchases on a rebate card? Or lowering their insurance premiums by hundreds of dollars a year just by raising their credit score? Obviously, just about every consumer is interested in saving money and getting freebies! Hence, the universal appeal of this book cannot be overstated. Today, the average American household has 12.7 credit cards. Banks maximize their profits by "nickel and dimeing" and outsmarting their cardholders: that's why credit cards are their most profitable product. Banks spend billions enticing consumers with rebates, freebies, low-introductory rate offers, and airline miles. Learn how to take full advantage of these offers, without paying for them through brutally high interest rates, fees, and penalties! Arnold offers specific advice targeted to young consumers who are being aggressively targeted by credit card marketers; retirees facing credit discrimination; Americans recovering from bankruptcy or other debt problems; and even consumers with great credit. You'll learn the techniques he has personally used to escape credit card debt, "creatively finance" his wedding, car, and home purchases, and earn thousands in credit card "perks" every year.

Your Score

An Insider's Secrets to Understanding, Controlling, and Protecting Your Credit Score

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Author: Anthony Davenport

Publisher: Houghton Mifflin Harcourt

ISBN: 1328695271

Category: Business & Economics

Page: 224

View: 9620

A road map for how to navigate the confusing, secretive world of consumer credit, and how to upgrade and correct your score.

Better Than Credit Repair

: The Handbook of Credit Mastery

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Author: Tamara Rasheed

Publisher: CreateSpace

ISBN: 9781505842821

Category: Business & Economics

Page: 80

View: 6753

No more credit repair quick-fixes or band-aid solutions. Follow this action-based handbook to master your personal credit from any credit standing: establish, restore or upgrade to excellent credit today! "I highly recommend Tamara for her in depth knowledge of the subject of Credit and the restoration of Credit wealth. She is thorough, articulate and knowledgeable. I have thoroughly enjoyed her book and would recommend it as the ideal place to start to learn about rebuilding your credit or keeping a healthy credit profile. Her writing style is easy to follow, understand and put into action. I am anxiously looking forward to her next contribution to the uplifting and sustainability of peoples everywhere by sharing her clear understanding of the intricacies of the world of personal finance." Alaia Leighland - Host at LWTTV.com Blog Talk Radio "I enjoyed working with Tamara. She has great knowledge and was able to bring me to new level in my finances and understanding of the system. She has integrity, is creative and passionate." Lilou Mace - webTV host, interviewer, author and producer

Improve and Increase Your Credit Score

Credit Management Strategies that Will Save You Thousands

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Author: Jason R. Rich

Publisher: Entrepreneur Press

ISBN: 1613082436

Category: Business & Economics

Page: 999

View: 7704

Bestselling author Jason R. Rich joins forces with top credit experts and delivers an insider’s guide to credit. Revealing jaw-dropping secrets, strategies and tools, Rich and his team of industry insiders show consumers how to get out from under any credit crunch, and get back in control of their financial future. Reveals how to increase a credit score, remove incorrect and negative information from credit reports, rebuild destroyed credit, and ultimately, save hundreds, possibly thousands, of dollars every month! •Boost credit scores and overall rating •Work with collection agencies, creditors, and lenders to pay off debts and overcome past mistakes •Get the best rates on credit cards, auto loans, and mortgages and start saving •Avoid the most common financial and credit-related mistakes made by millions •Learn how to identify and avoid “credit repair” and “credit score boosting” scams •Use online solutions to better manage your finances and credit cards •And more Includes worksheets, exclusive interviews with credit experts and supplemental resources.

Homebuyers Beware

Who¿s Ripping You Off Now?--What You Must Know About the New Rules of Mortgages and Credit

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Author: Carolyn Warren

Publisher: FT Press

ISBN: 9780137049059

Category: Business & Economics

Page: 288

View: 4795

Everything you thought you knew about financing a house has changed. Your future depends on knowing today’s mortgage and credit realities: Relying on older information could cost you a fortune or keep you from buying a house altogether. In Homebuyers Beware: Who’s Ripping You Off Now? – What You Must Know About the New Rules of Mortgage and Credit, Carolyn Warren reveals the new realities of home financing and shows exactly how to take advantage of them, whether you’re buying your first home, refinancing, struggling with imperfect credit, or planning to invest in real estate. Homebuyers Beware reveals new secrets homebuyers simply can’t afford to miss and exposes new scams that target today’s eager consumers--including new loans that look great on paper but are every bit as dangerous as yesterday’s subprimes. Unlike other mortgage guides, this book fully reflects today’s radically new mortgage requirements, in addition to the latest federal housing legislation and how to improve your credit rating. Warren covers topics from real estate negotiation, to powerful tips on getting lower interest rates, to avoiding bogus junk fees, and everything in between: · High-tech “smoke and mirrors” that can trick you into overpaying · Quick, easy, powerful ways to fix your credit · Uncovering the costly secrets of the Yield Spread Premium · The latest laws and credit rules and what they mean to you · New plans for recovering from bad credit, foreclosures, or short sales “Carolyn Warren is my go-to expert for mortgage industry information. She not only helps you avoid rip-offs, she helps you know what questions to ask and how to ask them. Full of tips, scripts, and sample letters, Homebuyers Beware is an extremely valuable book that I recommend to all my readers!” --Alison Rogers, “Ask the Agent” columnist, CBS Moneywatch.com “In this fun-to-read volume, mortgage industry insider Carolyn Warren tells you what real estate cheats and mortgage scammers do NOT want you to know: the tricks, the deceptions, and the outright frauds that would otherwise add thousands, maybe tens of thousands of dollars to your mortgage. Get it. Read it. And take it to the mortgage broker with you. You’ll be glad you did!” --Clayton Makepeace, The Total Package, Makepeacetotalpackage.com “In Homebuyers Beware, Carolyn Warren directs her keen eye at the mortgage and credit markets in the wake of the housing bubble. With an insider’s knowledge, plenty of interesting anecdotes, and helpful reference information, Warren is a cheerful teacher leading readers down the path to homeownership and pointing out pitfalls along the way.” --Ben Meyer, InternetBrands.com

Legal Loopholes

Credit Repair Tactics Esposed

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Author: Charles Dickens

Publisher: Trafford Publishing

ISBN: 1466985410

Category: Business & Economics

Page: 178

View: 4866

It is estimated that over 80 million Americans are living with poor credit, and recent studies have shown that up to 79% of all credit reports contain errors. Use this recession-proof, guerilla-repair guide to quickly and legally repair your credit and improve your scores. Don?t pay credit repair companies thousands of dollars; do it yourself, and be fast on your way to owning the car or house of your dreams. ? Remove accurate negative information ? Boost your scores in as little as 72 hours ? Establish credit fast and easy ? Laws to stop creditors fast in their tracks ? Secrets the credit bureaus don?t want you to know ? Remedy identity theft in 4 days ?Finally, a credit repair guide that delivers! I applied these legal-loopholes tactics and improved my credit score by over 100 points in less than 30 days! The author uses his legal background to shed light on the little-known provisions in the law, allowing you to legally and quickly repair your credit and boost your scores. Yet his simple approach and sample legal form letters make repairing credit so easy?you need only be smarter than a fifth grader to do it yourself.? ?E. Henry, Milwaukee, Wisconsin, savvy consumer

Start Over, Finish Rich

10 Steps to Get You Back on Track in 2010

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Author: David Bach

Publisher: Crown Business

ISBN: 0307591204

Category: Business & Economics

Page: 224

View: 9042

Let 2010 Set You on the Path to Wealth. Believe it or not, recessions make millionaires! Will you be one? In Start Over, Finish Rich, America's best-loved financial expert, David Bach, explains that 2010 will be the best opportunity for building wealth we have seen in decades. And, as the economy recovers, you must be set up to recover with it. Bach's easy, take-action plan will show you how. Start Over, Finish Rich supplies the ten crucial moves you must make in 2010 to get back on track and recapture your dreams of a richer future. Learn how to: * Get out of debt * Fix your credit * Rebuild your 401k plan * Improve your 529 Plan * Take smart risks * Reorganize your financial life for the high tech age * Update your real estate plan * Change your thinking about money * Recommit to wealth As Bach says, "A recession is a terrible thing to waste—so don't waste this one! Use it instead to get rich." Read Start Over, Finish Rich and let David Bach put you and your family back on the path to financial freedom. From the Trade Paperback edition.