Bad credit can get better
Bad credit can prevent you from getting a mortgage, car loan, credit card, apartment, or even a job. The sensible strategies in Credit Repair help you take control of your finances, clean up your credit reports and rebuild your credit. Learn how to:
- prioritize debts and create a budget
- reduce debts and cut expenses
- negotiate with creditors
- correct credit report errors and remove old information
- add positive information to your credit reports
- adopt strategies to rebuild your credit, and
- avoid identity theft and credit repair scams.
The 16th edition covers when a lender must explain credit decisions and the latest strategies for dealing with student loan debt. It also includes recent debt collection developments, such as limitations on how often a collector can call and restrictions on a collector’s use of texts, emails, and social media.
Amy
Loftsgordon is a legal editor and writer at Nolo, focusing on
foreclosure, debt management, consumer protection, and personal finance. She
edits a number of Nolo books and is the coauthor of The Foreclosure
Survival Guide, Solve Your Money Troubles, and Credit
Repair. Before joining Nolo, Amy worked in foreclosure and debt collections
for many years. She has drafted foreclosure-related training and loan servicing
procedures, written manuals for collection operations, and audited completed
foreclosures for compliance with applicable laws. Amy was also instrumental in
preparing expert reports used in lawsuits against banks and servicers accused
of mishandling collection, preforeclosure, loss mitigation, foreclosure, and
REO processes. She received a B.A. from the University of Southern California
and a law degree from the University of Denver Sturm College of Law. She is
licensed to practice law in Colorado. Cara O’Neill is a legal editor and writer at Nolo specializing in bankruptcy
and small claims litigation. Cara authors several Nolo book titles,
including How to File for Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, The
New Bankruptcy, and Everybody’s Guide to Small Claims Court. She
also coauthors Legal Research: How to Find and Understand the Law, The
Foreclosure Survival Guide, Solve Your Money Troubles,
and Credit Repair, and edits several more. Before joining Nolo,
Cara practiced law for over 20 years in civil and criminal litigation, bankruptcy,
and administrative law. During that time, she served as an administrative law
judge, took dozens of criminal and civil cases to jury verdict, appeared before
the California Court of Appeals, and taught undergraduate and graduate law
courses. She earned her law degree in 1994 from the University of the Pacific,
McGeorge School of Law, where she served as a law journal editor and graduated
as a member of the Order of the Barristers—an honor society recognizing
excellence in courtroom advocacy.
