The Credit Repair: Everything You Need to Know to Maintain, Rebuild, and Protect Your Credit

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A bad credit record can make it tough to get a loan or adequate insurance, land a good job, or rent an apartment. According to a 2003 Consumer's Union study, nearly half of all credit records contain serious errors. The Credit Repair Kit, Fourth Edition, provides new and updated information about ordering a copy of your credit record from each of the three national credit bureaus, understanding what they say about you, and how to resolve credit record problems. In addition, credit expert John Ventura explains ...
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Overview

A bad credit record can make it tough to get a loan or adequate insurance, land a good job, or rent an apartment. According to a 2003 Consumer's Union study, nearly half of all credit records contain serious errors. The Credit Repair Kit, Fourth Edition, provides new and updated information about ordering a copy of your credit record from each of the three national credit bureaus, understanding what they say about you, and how to resolve credit record problems. In addition, credit expert John Ventura explains your legal rights under the federal Fair Credit Reporting Act. The Credit Repair Kit is loaded with practical tips, sample credit reports, checklists, and information about helpful Web sites and organizations -- it's a virtual first-aid kit for credit record problems.

This book is for the approximately three million consumers who are refused credit each year because of inaccurate, incomplete, or out-of-date information in their credit files; the nearly four million who have filed for bankruptcy in the past five years; and those whose credit has been damaged by money troubles. The Credit Repair Kit offers the information needed to correct and rebuild credit histories.

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Editorial Reviews

Library Journal
According to a May 1991 Consumer Reports article, each year approximately three million consumers ask to have their credit reports changed because they contain wrong information. Both these books serve the needs of consumers who attempt to combat and correct the giant credit reporting agencies such as TRW, Equifax, and Trans Union. Ventura ( The Bankruptcy Kit , LJ 6/1/91; Fresh Start , LJ 8/92) succinctly explains the credit reporting process, using examples of actual credit reports from the ``Big Three'' agencies. He then shows readers how to correct reports, using written communication and, as a last resort, small claims court. Along with a warning against unethical companies that offer expensive credit repair services, the book contains instructive chapters on women and credit, divorce and credit, and preserving privacy. Hammond, an author of several books on credit, including Life After Debt (Paladin, 1992), describes the difficulties people have with credit and how to negotiate favorable repayment plans with creditors. He also includes a too-brief chapter on bankruptcy. The second half of the book deals with credit repair, as does Ventura's book. It also describes in 12 pages the ethically questionable process of taking advantage of agencies' file-retrieval systems to establish a ``new'' credit file. Both books on this high-demand topic are recommended for public libraries. If only one can be purchased, choose Ventura's, which is more focused and better written.-- Robert Kruthoffer, Lane P.L., Hamilton, Ohio
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Product Details

  • ISBN-13: 9780793180608
  • Publisher: Kaplan Publishing
  • Publication date: 12/28/2004
  • Series: G - Reference,Information and Interdisci
  • Edition description: REV
  • Edition number: 4
  • Pages: 260
  • Product dimensions: 7.25 (w) x 9.00 (h) x 0.60 (d)

Table of Contents

Preface
Ch. 1 The Power of Credit Bureaus 1
Ch. 2 Credit Report Basics 15
Ch. 3 How to Read Credit Reports from the Big Three 26
Ch. 4 Correcting Credit Report Problems 60
Ch. 5 Rebuilding Your Credit 78
Ch. 6 Avoiding Credit Repair Company Rip-Offs 90
Ch. 7 Bringing Your Case to Small Claims Court 98
Ch. 8 Establishing Credit for Women 113
Ch. 9 Creating Divorce-Proof Credit 127
Ch. 10 Protecting Your Financial Privacy 135
Appendix A The Fair Credit Reporting Act 151
Appendix B Federal Trade Commission Offices 169
Appendix C State and Local Consumer Protection Agencies 171
Appendix D Sample Small Claims Forms 195
Index 209
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