The Super Secrets Of Credit - How Anyone Can Establish, Manage, Repair and Erase Bad Credit Without Losing $1,000s to Credit Repair Company! [NOOK Book]

The Super Secrets Of Credit - How Anyone Can Establish, Manage, Repair and Erase Bad Credit Without Losing $1,000s to Credit Repair Company!

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Overview

CONTENTS
CHAPTER ONE
Credit - understanding genesis of bad credit.
CHAPTER TWO
Credit rating: - how you are scored.
CHAPTER THREE
Your credits score - how you can improve it.
CHAPTER FOUR
Credit report – its effect on your personal credit
CHAPTER FIVE
Your personal credit report: - how you can correct errors.
CHAPTER SIX
Credit Repair Company: - a blessing or a course.
CHAPTER SEVEN
Absolute truth about credit repair companies
CHAPTER EIGHT
Credit cards: - types and what you need to know about them.
CHAPTER NINE
Shopping for new Credit Card: - Important tips to consider.
CHAPTER TEN
Do’s and don’t of credit card game.
CHAPTER ELEVEN
How to get credit card of your choice.
CHAPTER TWELVE
Buy Now Pay Later – Disadvantages of using credit card and how to get over it.
CHAPTER THIRTEEN
How to avoid high interest charges on your credit card.
CHAPTER FOURTEEN
How to get loan even if you have bad credit.
CHAPTER FIFTEEN
Important Credit Card Plan terms you must consider. CHAPTER ONE
Credit - understanding genesis of bad credit.
It’s very obvious that we now live in a credit world. There are lots of banking institutions offering different forms of credit from credit card to personal loans. The amount of people with credit cards is rising very fast. Apart from that, lots of people can hardly do without credit.

Because of lack of enough financial education and discipline on the part of most of these consumers they often find themselves in bad credit situations like court judgement, bankruptcy, and loan default which often make it difficult for them to get any credit at all in future. You may now want to ask – what exactly is credit?

Credit means that you are getting a service or cash grant to use for your own purpose. You are often bound with a contract or agreement to repay in future as agreed with lender or service provider. Credit exists in different forms like loan, mortgage, or credit card.

Before you can get credit from any financial institution or lending agency, they will first check your credit history. If you have default on loan before or have bad credit history you will find it almost difficult to get credit any time you apply for it.

However, it’s possible for you to improve your credit history or build a new good credit history by repairing your credit, thus re-establishing your credit-worthiness. This process is called credit repair. It’s the process in which consumers with unfavorable credit histories attempt to reestablish their credit-worthiness.

Though there are lots of credit repair companies nowadays that promises repairing your credit for you, if you can follow simple guide, it’s very possible for you to do it yourself – afterall it’s your credit.

If you repair your credit it will make it easy for you to get low interest credit, car or home loans. However, with poor credit rating you may not be able to get loan or be subjected to high interest rates and several other unnecessary conditions. So it’s very important that you repair your credit if you have bad credit. You will get lots of tips on how to do this easily in this book. CHAPTER TWO
Credit rating: - how you are scored.

Getting approval for any type of loan depends on your credit rating. If you have average credit rating, you will find it almost impossible to get approved. It’s possible to get good rating or even improve you credit rating. Most companies almost use same rating system and if you are able to know more about it you should be able to have better credit score.

Your age is the first factor which it’s almost impossible to do anything about. Yes it’s possible to lie, but don’t because it will make things more difficult for you in future if the creditor get to know. If you are between 24 to 64 years of age you will get one point. Any age bellow or above that will score you zero point.

If you are married you have chance of adding extra point to your score. If not, you still score zero as most creditors see you as a higher risk. Also if you have no dependant you will score zero. But if you have between one to three you will add to your points. Here is how it works – if you have no dependant creditors believe you can skip town and not pay off your credit.

Creditors will also want to know more about your root. They will want to know where you live. Owning a home with a big fat mortgage or even without mortgage will give you more points. How long you stay in your present or previous residence also adds more points to your score. If you’ve move so often you will score zero point.

TO BE CONTINUED... Buy now and enjoy the content in full!
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Product Details

  • BN ID: 2940013031258
  • Publisher: S.H.W.
  • Publication date: 8/20/2011
  • Sold by: Barnes & Noble
  • Format: eBook
  • File size: 21 KB

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Sort by: Showing 1 Customer Reviews
  • Anonymous

    Posted May 4, 2013

    Worst editing EVER

    This book is so poorly edited I finally had to stop reading. It's too bad, some of the info is pretty good. However, there are so many grammatical errors it got to the point where sentences did not make sense and I found myself literally re-reading entire paragraphs. Do NOT purchase this book until the editors do their job!

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