Credit Repair Kit For Dummies [NOOK Book]

Overview

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...

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Credit Repair Kit For Dummies

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Overview

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.

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Product Details

  • ISBN-13: 9781118821572
  • Publisher: Wiley
  • Publication date: 3/13/2014
  • Series: For Dummies Series
  • Sold by: Barnes & Noble
  • Format: eBook
  • Edition number: 4
  • Pages: 408
  • Sales rank: 208,075
  • File size: 3 MB

Meet 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.

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Table of Contents

Introduction 1

Part I: Getting Started with Credit Repair 7

Chapter 1: Introducing Credit Repair, Credit Scores, and Your Life on Credit 9

Chapter 2: Turning Your Credit Around 25

Chapter 3: Cleaning Up Your Credit Reports 41

Chapter 4: Getting the Best Help for Bad Credit for Free 57

Chapter 5: Coping with Debt Collection 69

Chapter 6: Working with Collectors, Lawyers, and the Courts to Manage Debt Obligations 91

Part II: Reducing Credit Damage from Major Setbacks 109

Chapter 7: Reducing Credit Damage in a Mortgage Crisis 111

Chapter 8: Starting Over Again with Bankruptcy 127

Chapter 9: Repairing Credit Damage in the Wake of Identity Theft 145

Part III: Rebuilding Credit, No Matter Where or When You Begin 155

Chapter 10: Starting (or Restarting) Your Credit in Real Life 157

Chapter 11: Ending Life’s Negative Credit Surprises 177

Chapter 12: Protecting Your Credit During Major Life Challenges 189

Part IV: Big Brother Credit Is Watching You: Credit Reporting and Scoring 219

Chapter 13: Discovering How Credit Reporting Works 221

Chapter 14: Understanding Credit Reports and Scores 235

Chapter 15: Monitoring Your Credit Reports and Scores 261

Part V: Never Have Bad Credit Again! Successful Credit Management for Life 271

Chapter 16: Putting Yourself in Control of Your Credit 273

Chapter 17: Taking a Sustainable Approach to Your Credit 281

Chapter 18: Safeguarding Your Credit with a Spending Plan 293

Chapter 19: Knowing Your Rights to Protect Your Credit 319

Chapter 20: Protecting Your Identity 335

Part VI: The Part of Tens 349

Chapter 21: Ten Consumer Protections Everyone Needs to Know 351

Chapter 22: Ten Strategies for Dealing with Student Loans 359

Chapter 23: Ten Ways to Deal with a Mortgage Meltdown 369

Index 377

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Customer Reviews

Average Rating 3.5
( 26 )
Rating Distribution

5 Star

(10)

4 Star

(3)

3 Star

(6)

2 Star

(5)

1 Star

(2)

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See All Sort by: Showing 1 – 20 of 26 Customer Reviews
  • Anonymous

    Posted December 19, 2005

    Finally, A Book With Real Help

    As the President of the Association of Consumer Credit Counseling Agencies (AICCCA), I search for useful and responsible help for consumers who need help with debt. This book provides real and effective guidance for families wishing to resolve their debt burden. It is highly recommended.

    1 out of 1 people found this review helpful.

    Was this review helpful? Yes  No   Report this review
  • Anonymous

    Posted May 6, 2008

    Better options elsewhere

    Instead of this book, I highly recommend getting and reading Eric Tyson's Personal Finance for dummies. His book suggests further resources. This Credit Repair book was a big disappointment

    Was this review helpful? Yes  No   Report this review
  • Anonymous

    Posted July 17, 2006

    Easy to read. Very informative.

    An easy read and very helpful for people in every kind of financial condition.

    Was this review helpful? Yes  No   Report this review
  • Anonymous

    Posted February 9, 2006

    Excellent book packed with useful information

    Steve Bucci¿s ¿Credit Repair Kit for Dummies¿ expertly covers a broad range of topics, providing information that is important for people to know regarding how to manage credit. Indeed, Steve¿s book really cracks the code on consumer relationships with credit ¿ understanding credit reports and what goes in them, how to build and maintain good credit, and how to improve bad credit and get out of debt. It is a fine, easy to understand resource to assist consumers in navigating through the sometimes complex world of credit.

    Was this review helpful? Yes  No   Report this review
  • Anonymous

    Posted January 18, 2006

    Terrific resource for all

    I bought the book and found it easy to read and helpful. The section on how to clean up your credit report was particularly useful for me. Cleaning up my report will hopefully allow me to qualify for the home loan I will be applying for soon. I only read the sections that applied to my financial situation, but I will keep the book handy to help with any future credit repair needs. S. Green (Houston, TX)

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  • Anonymous

    Posted January 20, 2006

    Check out the Part of Tens

    For a quick lesson in money management I don¿t know if I¿ve seen anything better than the Part of Tens at the end of the book. All the high points are covered and if you need more information it¿s easy to find. Steve Bucci took a dry subject and made a surprisingly entertaining book ¿ I highly recommend it! J.K. Galyean

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  • Anonymous

    Posted January 12, 2006

    Good Basic Info

    This book is really a good start for the novice.However I'd perfer more nuts and bolts on the how to.

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