Written by a former debt collector, this credit repair book covers many aspects of credit restoration, including how to legally remove any adverse credit from a consumer credit report, how to negotiate debt, how to prevent and recover from identity theft, the secrets to raising a credit score, and more. Remove judgments, liens, late payments, bankruptcies, collection accounts, inquiries, charge-offs, repossessions, and foreclosures. Learn how to negotiate like a pro, reducing credit card and other unsecured debt to a fraction of what you owe!
"synopsis" may belong to another edition of this title.
Dana Neal knows first hand the consequences of bad credit - how a financial setback can leave you unable to buy a house or car, rent an apartment, get insurance or even land a job. But the former collection agency insider also knows that flawless credit is in everyone's reach. In easy-to-understand terms, the author explains how the credit game is played, the roles of the various players, and the ways in which the credit industry stacks the odds against consumers He then presents a straightforward, no-nonsense plan to show you how to win the credit game by getting others to play by your rules!From the Author:
Why a second edition? There are many reasons, including the December 2003 passage of the Fair and Accurate Credit Transactions Act (FACTA), which amends the Fair Credit Reporting Act (FCRA). In addition, identity theft continues to rise, and there are some new strategies for dealing with it; the Bankruptcy Abuse Prevention and Consumer Protection Act (commonly referred to as the Bankruptcy Reform Bill of 2005) was passed into law on April 14, 2005 (taking effect on October 17, 2005), making bankruptcy far less appealing; and my knowledge of credit restoration tactics and strategies has grown significantly in the two years since the first edition of BestCredit was published.
All these things are good for the consumer and collectively improve the chances for do-it-yourself credit repair. And yet one of the most dramatic changes has to do with a decision by Fair Isaac and Company (FICO) to release detailed information about its credit scoring model. This is no small thing, since 75 percent of mortgage lenders use the FICO credit score to assess risk, more than 90 percent of credit card issuers use it in their lending decisions, and 70 percent of all lenders use it for all lending decisions.
In this edition, I've also included new information that was requested by readers of the first book. This includes a greater explanation of legal remedies, what to do when swimming in debt, what really happens when a credit bureau receives a dispute letter, and how to go about removing public records. many things are broken down in a way that's more easily understood, and I've developed what I call situational and collective assessments. These are really nothing more than a series of relevant questions, ones that will take the important issues and connect them with real-world circumstances, enabling you to grasp your own situation and more readily create an individualized road map to clean credit.
"About this title" may belong to another edition of this title.
Book Description Paladin Press, 2006. Paperback. Book Condition: New. Bookseller Inventory # mon0000019888
Book Description Paladin Press, 2006. Paperback. Book Condition: New. book. Bookseller Inventory # M1581605013
Book Description Paladin Press, 2006. Paperback. Book Condition: New. Never used!. Bookseller Inventory # P111581605013
Book Description Paladin Press, 2006. Paperback. Book Condition: New. Brand New!. Bookseller Inventory # VIB1581605013
Book Description Paladin Press. PAPERBACK. Book Condition: New. 1581605013 New Condition. Bookseller Inventory # NEW7.0690994
Book Description Paladin P.,U.S., 2006. Paperback. Book Condition: Brand New. revised edition. 442 pages. 8.50x5.50x1.20 inches. In Stock. Bookseller Inventory # zk1581605013