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Inside Secrets from a Credit Industry Professional

There are a plethora of books out there promising to show consumers how to repair their credit. There is only one that explains how to establish credit, how to maintain and manage it, and, yes, how to fix it when it’s broken— The Insider’s Guide to Credit Repair.

This much-needed book is current, cohesive, and thorough. It begins with the basics-defining credit, explaining its value to consumers and businesses, and introducing the key parties that keep the process successfully operating—but then covers more complex topics, including credit laws, credit scoring, credit repair and identity theft. Most noteworthy and helpful are the short quizzes after each chapter, a comprehensive glossary, and a wide variety of sample letters.

The Insider’s Guide to Credit Repair is an engaging and thought-provoking discussion of consumer credit from an insider’s perspective—the author is a former instructor for one of the national credit-reporting agencies. The scope of the material is as vast as the author’s industry experience, accommodating the beginner trying to establish credit for the first time and more experienced consumers seeking greater knowledge of all aspects of credit.

K.E. Varner is a former instructor of customer-service personnel for Equifax, one of the three major credit-reporting agencies. During his tenure, he functioned as a subject matter expert in a number of high-level business projects, appeared in Federal court to help resolve consumer/credit-reporting agency conflict, and facilitated credit industry information to organizations such as the Atlanta Housing Authority.

Product Description

A bad credit record can make it tough to get a loan or adequate insurance, find a good job, or rent an apartment. Yet, nearly half of all credit records contain serious errors. The new edition of The Credit Repair Kit provides consumers with all the information they need to order a copy of their credit record, understand what their records say about them, and deal with any problems they may find in those records. Nationally known bankruptcy attorney John Ventura also educates readers about their legal rights under the federal Fair Credit Reporting Act. Among other things, The Credit Repair Kit tells readers how to: *Fight back if a credit bureau will not correct an error in a credit record,including how to sue a credit bureau or creditor. *Rebuild credit after financial difficulties. *Avoid becoming the victim of identity theft and credit-rebuilding scams. *Interpret a credit score. With identity theft on the rise, The Credit Repair Kit also advises consumers about the steps they should take to preserve the privacy of their personal and financial information and what to do if their identity is stolen. With practical tips, sample credit reports, checklists, and information about helpful Web sites and organizations, Ventura provides readers with a first-aid kit for credit record problems.

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Credit Repair and Bankruptcy Are Just About Illegal! Only 1 out of every 5 Bankruptcies is a Chapter 7 Bankruptcy, Debt Forgiveness. 4 out of every 5 are forced into Chapter 13! Commonly referred to as Debtors Prison! You Will Have To Repay Your Entire Debt! Don’t let this happen to YOU! How can you prevent it? You need the Credit Secrets Bible - All new for 2007, The Credit Secrets Bible (CSB). Plagued by Bankruptcy? Debt? Credit Problems? Could you use a $5,000 Card with no Credit Check? Low (Fico) Credit Score keeping you out of that car or home? You have come to the place that has all the answers and teaches you how to unlock the secrets of the credit system. What if you already filed Bankruptcy? No Sweat! The CSB is packed full of the information you’ll need to rebuild your credit and your Fico score at warp speed! Bankruptcy? Bills? Job Loss? Divorce? Tired of fighting the CREDIT BATTLE? You can stop fighting the Credit Reporting Agencies and make them WORK for YOU! This information CAN and WILL change YOUR CREDIT LIFE! Everything you ever wanted to know about Credit Repair and Bankruptcy but were afraid to ask. The CSB exposes the secrets behind the credit system. The same secrets the government, the banks, and the credit card companies don’t want you to know. Credit repair clinics and attorneys can charge hundreds even thousands of dollars for the techniques discussed in the CSB. The same techniques you can use yourself to avoid bankruptcy and repair your credit. This educational guide is one of the most comprehensive publications ever compiled in helping you get, keep and repair your credit. Even if you have already filed bankruptcy, this publication can guide you in re-establishing your credit rating. Includes The Audio Companion CD - Listen to this education publication while you drive to work or in the comfort of your home.

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If you need help qualifying for a better rate on a loan or getting more credit, instantly increasing your credit score is probably the best way to do so. You can save you thousands of dollars on your mortgage, auto loan and credit card interest rates just by having a higher credit score. Not only will “5 Ways to Boost Your Credit 100 Points” help you to improve your rating, but it explains where to find valuable resources that provide strategies on how to fight back against credit collectors and win!

Product Description

This is one book you must have! As a result of the credit crisis, many financial institutions have raised their credit score requirements over 100 points to qualify and to get the best interest rates. Because of credit scores, almost 50% of Americans are now considered less than prime and could be charged higher rates and fees. Medical services and insurance premiums also use credit scores modeled after the FICO. Credit scores are impacting everyone from every angle.

The Road to 850 provides a much greater background and understanding to the credit scoring system than any previously published book. It describes all the reason codes in great detail and how credit risk is scored. The Road to 850 explains the four critical ratios, the four important dates and the four levels of delinquency with detailed explanations, examples and displays. Lastly, it provides 94 proven strategies and identifies the necessary requirements for a credit score in the golden range — 760 to 850.

The Road to 850 has received rave reviews from many readers:

Great book!

What an excellent book! Easy to read. Thanks a lot for giving us the opportunity
to get to 850!,

My book is filled with great information, some of which I have never heard
before despite an abiding interest in the subject and previous research. Id
recommend it to anyone who wants to raise his score, even if its already a high
one. This book is priceless.

The Road to 850 has been highlighted by Kurtis Ming (KOVR / CBS in Sacramento), Nicole Crites (KPHO / CBS in Phoenix), Bill Gephardt (KUTV / CBS in Salt Lake City), Paula Ebbers (WBZ / CBS in Boston) and a host of other national television and radio reporters.

The Road to 850 gives you ideas and strategies to raise your scores no matter what your situation. Whether you have a 725 or a 525 credit score, this is one book you must have to better understand the credit scoring system and improve your credit scores.

Product Description

These two discs DVDs was edited word for word by the people who created the FICO(R) score-Fair Isaac Corporation. These DVDs will help you establish, build, fix, improve, maintain and protect the three most important numbers to your financial health, your FICO(R) score. With the most accurate and up to date information, you will learn in these DVDs the truth about credit scores, credit reports, how credit scores were developed, how your credit score is calculated, what the credit bureaus do, the do’s and don’ts of good credit health, when ‘good advice’ can be very bad. You’ll also learn how to get your real free credit report and avoid bogus “free” reports, how to stop unsolicited offers, how to freeze access to your credit report, how to dispute inaccurate reported information, how to place fraud alerts, when to order Rapid Rescoring, how to make the best use of the Deduping Period and how you should never give a way the last four digits of your Social Security Number and more.. It’s a Hollywood production, filled with visuals, graphics and anecdotes that demystify this often very complex subject. These DVDs are divided into chapters so you can learn at your own pace and apply the lessons learned immediately.

Producer: Nabil Captan
Director: James Becket Award Winning Director
Narrator: Ginny Ferguson Nationally Renowned Credit Expert
Editor: Norm Anderson

Product Description

The Definitive Guide to Raising Your Credit Score Whether you’re recovering from financial problems or need to pump up your score to qualify for a mortgage, you  need reliable information and expert guidance to fix and improve your credit rating.  Drawn from years of experience helping thousands of consumers, American Credit Repair empowers you with Everything U Need To Know to raise your credit score. Everything U Need to Know about Credit Repaire Obtaining and understanding consumer credit reports Correcting past mistakes and planning for the future Disputing inaccurate data on your credit file Dealing with collection agencies Avoiding foreclosure and  bankruptcy BONUS CD-ROM FEATURES: Ready-to-print forms and letters to repair your credit on your own plus vital consumer protection resources you can’t do without, and much more!

From the Back Cover

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Review

“Donna helped me get credit cards and a home loan days out of bankruptcy and foreclosure.” — Richard Winer, Taken Care of Investments

“I wish I had this book over 20 years ago when I started to earn my first million.” — Robert G. Allen, Author of Nothing Down, Multiple Streams of Income and co-author of the One Minute Millionaire

“In six short weeks …I’ve increased my business credit capacity by 40%” — John White, Polaris Real Estate

Product Description

Likely, everything you know about credit is wrong.

Popular credit folklore is targeted to a consumer who has gotten into trouble with credit. The recommended action steps for credit repair can be quite harmful when followed by an investor or business owner.

The get out of debt mindset holds you back.

The wealthy know that when they are in debt to buy assets, eventually, they will be worth as much as the value of these assets.

From Credit Repair to Credit Millionaire explodes the credit myths and takes you on the journey to become a credit millionaire. Learn about credit leveraging, the most powerful tool of wealth building.

Finally, you will grow your personal and business credit to qualify for all the financing you need for your investment activities. You will learn to build corporate credit and never personally guarantee a business loan again. Let the power of Other People’s Money work for you as you leverage millions of dollars of assets…

…because it’s easier to borrow $10 Million than to earn it at your job or save it.

From Credit Repair to Credit Millionaire is the only book on credit that deals with the special needs of an investor or business owner. Whether you have bad credit, no credit or great credit, following the steps in this system will help you get all the credit you deserve for your business.

With examples and tips specific to the US credit system, the basic laws of money, finance and credit are universal. This book has been enjoyed by readers worldwide!

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Fixing your credit with this Amazing Credit Repair Software Program. You can quickly create a budget that fits your family, run your credit report, enter your creditors and start fixing your credit immediately. We’ve provided several 1 click Action letters which will force Creditors to Settle accounts, lower payments, stop calling and much more… TAKE CONTROL OF YOUR CREDIT AND FIGHT BACK AGAINST CREDITORS TODAY!