Credit Scores & Credit Reports: How the System Really Works, What You Can Do

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Overview

Credit Scores and Credit Reports provides the first thorough examination of the all-important, but little understood, credit scoring and credit reporting systems. The Third Edition of this highly-acclaimed book enables consumers to understand how both of these systems actually work, what they can do to improve their FICO scores, and to ensure their credit reports are accurate.\n

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Overview

Credit Scores and Credit Reports provides the first thorough examination of the all-important, but little understood, credit scoring and credit reporting systems. The Third Edition of this highly-acclaimed book enables consumers to understand how both of these systems actually work, what they can do to improve their FICO scores, and to ensure their credit reports are accurate.\n

Read More Show Less

Product Details

  • ISBN-13: 9780964548619
  • Publisher: Privacy Times
  • Publication date: 5/28/2004
  • Pages: 350
  • Product dimensions: 5.48 (w) x 8.50 (h) x 0.77 (d)

Meet the Author

Since 1981, Evan Hendricks has been editor/publisher and founder of Privacy Times, a newsletter based in the Washington, D.C. area. Through the newsletter alone, he has published nearly 3,000 pages covering a wide range of privacy and information law subjects, including the Fair Credit Reporting Act. Mr. Hendricks regularly testifies before Congress, and he is a regular presenter at Federal Trade Commission workshops.

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Table of Contents

Introduction     1
Credit Score Basics     15
Credit Scores - Advanced     26
Re-Scoring     53
Obtaining Your Credit Report     67
Reading Your Credit Report     89
Disputing Errors     99
Identity Theft Basics     117
Making & Mixing Credit Reports     145
Reinvestigations (or not)     165
History     183
Credit Repair     213
Debt Collection     229
Auto Insurance     235
Homeowners Insurance     257
Mortgage Insurance     267
The Color of Credit Scores     271
Special Challenges     283
Opting Out     299
Impermissible Access     311
Damage & Damages     319
The 2003 FACTA Battle     345
Missing Credit Limits     374
Conclusion     391
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  • Anonymous

    Posted October 2, 2004

    Best Scoring book I've ever read

    With 20+ years in the auto finance industry I have read many books trying to understand FICO scores. This is without a doubt the most clear and concise read on the market. It is highly accurate with only a few misconceptions. I would recommend this to anyone trying to improve their score. It can save you thousands on loans from autos to mortgages. Did you know with a 740 Fico score you can get an automatic approval on a $150k RV or boat with zero down based on only the information you write on a credit application? No verification of income, etc. High scores are also great for the self-employed eliminating debt to income problems. Did you know that 68% of the population has never had a late payment or derogatory item on their credit report in 7 years? However only 35% of them score Tier 1 (lowest rates). This will tell you why. I know all my customers financing cars & boats want to know!

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