Credit Repair Kit For Dummies by Steve Bucci (PDF)

Description

Manage and repair your creditCredit 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 rangesNew information about IRS exceptions to the Mortgage ForgivenessAdvice and tips about adding information to a credit report, and beefing-up thin creditUseful, downloadable, forms and tools on Dummies.comIf 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.

User’s Reviews

Editorial Reviews: From the Inside Flap Learn to:Fix damaged credit or beef up thin creditRecover from credit score hits caused by mortgage foreclosure or identity theftReduce insurance costs, qualify for banking products, and get better rates on loansTake advantage of new consumer protectionsJump-start your credit score with this comprehensive credit repair guideIf you need to clean up your credit, this updated resource is full of information to help you get your credit reports looking great, pay down debt, and keep your credit clean. You’ll find out how to deal with debt collectors, dispute inaccurate information in your credit reports, and set financial goals to stay on track.Simple, proven steps — get an overview of working with debt collectors, filing for bankruptcy, and moreRebuilding credit — explore options for starting or restarting credit, recovering from bankruptcy or identity theft, and much moreBig brother — find out how credit reporting works, how your spending is watched, and how to monitor your credit for optimal resultsCredit management for life — discover how to create a realistic spending plan and protect your credit during major life changesFICO facts — dive into the latest information on FICO and VantageScore credit scoringStudent loans 101 — find out how to best deal with student loans and avoid defaultingMortgage meltdown — get updated information on how to keep your home when foreclosure loomsOpen the book and find:Information on how credit reporting worksTips on cleaning up your credit reportsUpdated credit scoring examples with new rangesTricks for dealing with creditors and debt collectorsSources of free professional helpThe lowdown on preventing identity theft and mortgage foreclosureAdvice on starting or restarting credit in real lifeTips on taking a sustainable approach to credit From the Back Cover Learn to:Fix damaged credit or beef up thin creditRecover from credit score hits caused by mortgage foreclosure or identity theftReduce insurance costs, qualify for banking products, and get better rates on loansTake advantage of new consumer protectionsJump-start your credit score with this comprehensive credit repair guideIf you need to clean up your credit, this updated resource is full of information to help you get your credit reports looking great, pay down debt, and keep your credit clean. You’ll find out how to deal with debt collectors, dispute inaccurate information in your credit reports, and set financial goals to stay on track.Simple, proven steps ― get an overview of working with debt collectors, filing for bankruptcy, and moreRebuilding credit ― explore options for starting or restarting credit, recovering from bankruptcy or identity theft, and much moreBig brother ― find out how credit reporting works, how your spending is watched, and how to monitor your credit for optimal resultsCredit management for life ― discover how to create a realistic spending plan and protect your credit during major life changesFICO facts ― dive into the latest information on FICO and VantageScore credit scoringStudent loans 101 ― find out how to best deal with student loans and avoid defaultingMortgage meltdown ― get updated information on how to keep your home when foreclosure loomsOpen the book and find:Information on how credit reporting worksTips on cleaning up your credit reportsUpdated credit scoring examples with new rangesTricks for dealing with creditors and debt collectorsSources of free professional helpThe lowdown on preventing identity theft and mortgage foreclosureAdvice on starting or restarting credit in real lifeTips on taking a sustainable approach to credit About the Author Steve Bucci, BA, MA, is a personal finance expert and a nationally syndicated columnist whose column is carried by the financial megasite Bankrate.com and the Scripps Howard News Service. Read more

Reviews from Amazon users which were colected at the time this book was published on the website:

⭐I was expecting more info….this book talks about basic information a person should already know about credit not worth it I would not order.

⭐The first edition of this book is what helped me purchase my first home. Now I’m on to purchasing my second home and need to update myself and strengthen my credit score. This book is gives the knowledge I need to do just that.

⭐Lots of words but you have to travel through some very dry landscape to get to a lot of out-of-date information.

⭐Received a used book even though I paid for a new one. However, the representative on the phone was extremely helpful. The advice within the book is extremely helpful as well. Pair this with I Will Teach You To Be Rich by Ramit Sethi & you’re on your way to your best debt free life.

⭐This book is a lifesaver. I have been working on rebuilding my credit since the beginning of the year, and this book has provided me a lot of information that I did not otherwise find online, although I have not gone through the entire thing. If you’re looking to turn your life around the financially savvy way, you should definitely buy this book. But it’s not ALL about credit. Work an extra job, have garage sales, and learn to budget and save your money. It’s tough work, but it’s definitely worth it in the end!

⭐My credit score shot up 100 points in 60 days simply by applying the information listed in this book. I didn’t even get past page 50 before I saw results.

⭐Great read and incredibly helpful for anyone trying to understand how to quickly fix their credit.

⭐This book was a good tool for me to use when I repairing my Credit myself. It had a vast amount of information that I was able to use and help others with.

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