The Credit Repair Handbook: Everything You Need to Know to Maintain, Rebuild, and Protect Your Credit [NOOK Book]

Overview

 

Every year, millions of people find themselves in a financial predicament?unable to qualify for a mortgage or a school loan, get hired for a job, or realize their family?s financial and life goals?all because they have poor credit due to medical bills, overspending, or identity theft. Others are faced with lower credit limits and higher fees and interest rates, which can compound already difficult financial situations.  In The Credit Repair Handbook, trusted consumer debt and bankruptcy expert ...
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The Credit Repair Handbook: Everything You Need to Know to Maintain, Rebuild, and Protect Your Credit

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Overview

 

Every year, millions of people find themselves in a financial predicament—unable to qualify for a mortgage or a school loan, get hired for a job, or realize their family’s financial and life goals—all because they have poor credit due to medical bills, overspending, or identity theft. Others are faced with lower credit limits and higher fees and interest rates, which can compound already difficult financial situations.  In The Credit Repair Handbook, trusted consumer debt and bankruptcy expert John Ventura counsels readers on how to identify problems with their credit, rebuild their credit histories and boost their credit scores, and protect their credit from identity thieves. Comprehensive, thorough, and up-to-date, this is the only guide readers will need to get their financial lives back on track. Learn what your credit reports say about you—and how that information affects your life;
Rebuild your credit after serious money troubles;Raise your credit score;Avoid credit-repair scams;Avoid credit-repair scams.
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Product Details

  • ISBN-13: 9781607145189
  • Publisher: Kaplan Publishing
  • Publication date: 1/25/2010
  • Sold by: Kaplan, Inc.
  • Format: eBook
  • Pages: 240
  • File size: 503 KB

Meet the Author

John Ventura is a nationally known bankruptcy attorney and author who has been writing about issues related to consumer financial and legal issues for more than 15 years. During this time, Ventura has been a guest on CNN, CNBC, PBS, and National Public Radio, among other national TV and radio media and has been quoted in such publications as The Wall Street Journal, Kiplinger's Personal Finance, Money, Newsweek, Black Enterprise, Entrepreneur, U.S. News and World Report, Maxim, Good Housekeeping, Martha Stewart's Living, the Chicago Tribune, the LA Times, and The Dallas Morning News, among other media outlets.  Most recently, he has been quoted about issues related to bankruptcy, debt and credit rebuilding at CBSMarketWatch.com, Office.com, Bankrate.com, USA Today, MSNMoney, The Dallas Morning News, The Detroit Free Press, the Baltimore Sun, the Indiannapolis Star, and Black Enterprise Magazine.  He currently serves as Director of the Texas Consumer Complaint Center at the University of Houston Law School in Texas and is also an adjunct professor at the law school.
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Table of Contents


Acknowledgments     iv
Introduction     v
Credit Reporting and Credit Scoring
Understanding How Credit Reporting Agencies Affect Our Lives     3
Finding Out What Your Credit Report Says about You     25
Correcting Errors in Your Credit Records     43
What You Need to Know about Your FICO score     61
Rebuilding Your Credit After Serious Money Troubles
Credit Rebuilding Preliminaries     73
Going through the Credit Rebuilding Process     93
Getting Credit Rebuilding Help If You Need It     109
After You Finally Have It: Protecting Your Good Credit
Avoiding Financial Problems in the Future     125
Minimizing Damage to Your Credit When You're Having Money Problems     161
The Dangers of Identity Theft     181
Resources     209
Index     215
About the Author     229
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