Product Description

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.

Product Description

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.

Product Description

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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Product Description

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!

Product Description

It’s easy to get a credit card-which means it’s just as easy to rack up a ton of debt. But paying off these debts doesn’t have to begin with a trip to the credit counselor. There are plenty of ways in which someone can lessen their debt on their own-they just need to learn how to break the vicious credit cycle. fastread Getting Out of Debt teaches just that.

If you’re tired of living from paycheck to paycheck, fastread Getting Out of Debt is the book for you. It shows:

The importance of creating and maintaining a budget

Ways to acquire additional income

How to keep credit card debt manageable

How to obtain, read, and understand a credit report

Most importantly, once that debt-free milestone is achieved, it shows how to avoid accruing debt again. Start paving the way toward financial security with the help of fastread Getting Out of Debt.

Product Description

step by step self help cd for
foreclosure, lower property tax, repair credit, shop for a mortgage, shop for a home.

Product Description

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

This book is designed for the approximately 3,250,000 consumers who are refused credit each year because of inaccurate, incomplete or out-of-date information in their credit files; the nearly 5,500,000 consumers who have filed bankruptcy in the past five years; and those who have been damaged by money problems.

This new edition addresses one of the leading credit concerns in the last 24 months: identity theft. Its prevention is a paramount concern, not only for consumers, but for their creditors as well. Resources and preventative information are given in detail.

A complete glossary and thorough index, as well as appendices of easy-to-use, blank, tear-out forms and sample letters completes this credit repair kit. All blank forms and letters will be included on the new CD-ROM.

About the Author

Brette McWhorter Sember is a retired attorney and mediator who handled bankruptcies and consumer law issues. She is the author of over 20 self-help books. Sember taught a course about credit for Barnes and Noble University and did mediation for the Better Business Bureau.

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Product Description

Turbo Credit is a patent-pending software program designed to challenge and dispute any negative items that appear on a credit report. Turbo Credit features the TurboDispute Generator which generates dispute documents for Transunion, Experian and Equifax in minutes.

Turbo Credit also includes TurboStop, an interactive software document that will legally stop the harrassing and annoying calls from the creditors.

Turbo Credit will help get the most up-to-date and current credit report possible that will also maximize and improve credit scores.

The Turbo Credit Advantage:
Empowers American consumers to manage their own credit in the privacy of their own home.

The Turbo Credit system is a similar system that financial, credit and debt professionals utilize for their professional fee-based services

Turbo Credit allows American consumers to personally manage their credit just as millions of Americans use software programs to manage their money, budget and personal finances

Turbo Credit provides the tools that can help consumers:

Lower interest rates and get approved for home loans, auto loans, credit cards, etc., while getting the accurate credit report they deserve by law

Challenge and dispute fraudulent and false information

Improve credit scores by helping to remove inaccurate and erroneous information such as late payments, collections, charge-offs, judgments, inquiries, etc . . .

Fight identity theft issues that appear on credit reports

Turbo Credit helps the law work for you!

It’s the law! Information must be accurate and verified before it is entered on credit reports!

If “reasonable procedures” have not been correctly followed by creditors or the credit reporting agencies, then any verified inaccuracies must be removed from their credit reports as defined in the Fair Credit Reporting Act (FCRA).

Turbo Credit helps protect American Consumers rights guaranteed by the FCRA.

Product Description

Just because you are the one being pursued doesn’t mean that you don’t have a way to make the bill collectors have to do their own due diligence. Moreover there are ways to protect your assets from creditors and ways to clear debts without filing bankruptcy. If it does ultimately turn to that, there are things you should know about bankruptcy and this book delves into these facts as well. Answering the questions should I declare bankruptcy, when should I declare bankruptcy, what is the difference between chapter 7 and chapter 13, as well as your attorney’s duties when filing these cases. While these may seem like things which are talked about ad nausea in the news and in other publications, The book breaks it down for you in way that is easy to understand and quick to follow on the fly.

Product Description

Complete video course on how to correct bad credit. You will learn: how to identify mistakes, tricks to increase your score quickly, how to contact the major credit agencies, what the scores mean and what is a desirable score, & how to “beat the system”. You can be on your way to a much better credit score within 4-6 weeks.

Product Description

These days, almost everyone is struggling with their credit record. How can you establish a new credit history legally? How can you repair the credit history you already have? Find out more with this easy-to-follow guide.

Product Description

“Your Credit = Your Life…” guides you to fix your credit and money management problems. It is an instructional book, written in layman’s terms with detailed descriptions. It covers all issues relating to your credit reports, Identity Theft, Collections, loan rates. It discusses the impact of personal relationships and guides in managing your money and credit throughout engagement, marriage, separation, divorce or numerous other obstacles that life throws your way. It provides solutions in overcoming credit and financial disasters and teaches you how to avoid lawsuits, judgments, bankruptcy, foreclosures, identity-theft/fraud or wage garnishments. It further educates you on how to reduce tax liabilities, remove collections, charge-offs and other severe entries from your credit file. It helps you regain your credit worthiness (ability to finance, get credit cards or obtain services using credit instead of advancing cash) and to save money. This comprehensive money and financial management book addresses issues from birth to death. Without credit we cant have financial wealth. It helps perform credit repair even immediately after Chapter 7 or 13 bankruptcies. This comprehensive, easy to read credit repair manual offers advice of insiders (experts of credit bureaus and creditors corporate offices) and true life experiences of large group of people. It offers solutions on repair damaged, broken or dented credit and helps you to gain the financial freedom you so richly deserve. The enclosed CD offers over one 100 pages of valuable advice, quick references, needed forms, letters and the skills to reestablish your credit.

After reestablishing credit, look for our other books including “Saving Your Money” and “Consumer Advocacy” to help increase money and knowledge wealth.

Product Description

The newly revised Third Edition of Repair Your Own Credit can guide you out of the credit war and away from the unethical credit repair services. The truth behind these services is that they take tens of thousands of dollars every day from unsuspecting consumers already on the verge of bankruptcy, and they can’t do anything to repair your credit that you can’t do yourself.

Bob Hammond’s Repair Your Own Credit reveals the unethical and illegal secrets of the credit repair industry from an insider’s point of view and the measures you need to take to repair you credit yourself. Some topics included are:
- The importance of good credit.
- The cast of characters within the credit game.
- Tips on re-establishing and repairing your credit.
- The low-down on credit repair companies.
- What’s included in your credit report and how to obtain it.
- Where to get help.

Product Description

A step-by-step action plan to quick and lasting recovery after personal bankruptcy. Indexed.

From the Publisher

You can establish mainstream credit after bankruptcy…in less than eight months. Whether you filed bankruptcy several years ago or last week, this book will show you how to make a dramatic and lasting recovery. Stephen Snyder and his wife Michele, each had their Chapter 7 bankruptcy discharged in 1993. They were both so cash poor at the time they had to borrow money from their families to file. Then, within eight months they mortgaged a home at six percent, leased two new cars, and obtained bank loans, major bank cards, start-up capital for a small business, and more all using mainstream credit and without the aid of high-interest credit companies. Today they give, save, and invest 30 percent of their income live off 70 percent. They consistently maintain a debt-to-income ratio well below 20 percent. And, they are paying back their bankruptcy debt with interest. Our advice works. We know because we’ve been there. This book gives you not only the knowledge and tactics to recover from personal bankruptcybut practical, easy-to-use principles to manage your money and build wealth.

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Product Description

A program designed to improve your credit rating within 90 days! This is a do-it-yourself guide to repairing your credit. Don’t hire expensive attorney’s or services to do it for you, you can do it yourself!

Product Description

CREDIT REPAIR MADE E-Z IS A PROVEN CREDIT REPAIR SYSTEM THAT TURNS BAD CREDIT INTO GREAT CREDIT. THIS TIME-TESTED PROGRAM PROVIDES CLEAR, STEP BY STEP INSTRUCTIONS AND INFORMATION ON HOW TO REPAIR, RESTORE AND REBUILD YOUR CREDIT. OBTAIN YOUR OWN CREDIT REPORT, REMOVE ALL-OR MOST OF THE NEGATIVE MARKS THAT DESTROYS YOUR CREDIT. ADD POSITIVE CREDIT INDICATORS, NEGOTIATE WITH CREDITORS, AND BUILD POWERFUL CREDIT

Product Description

Five Step Credit Repair DVD is an insiders guide to credit repair. It covers most aspects of credit management and repair. Chapters include: 1.Why credit matters. 2.Set your goals. 3.Using the internet to repair credit 4.Reading a credit report 5.One on one credit counseling 6.Tips for better credit Plus it has PDF and Word docs for printable backup. Put it in you pc and use it as a cd-rom to print a users guide and help documents. Its a one of a kind self help tool. Be ready when the economy recovers! Have your good credit back.

Amazon.com Review

You might think, as I once did, that a bad credit record is nearly impossible to overcome. But, the fact is there are ways to repair your credit after personal problems have caused you to mess it up or some calamity has made it impossible for you to pay your bills on time or even to pay them at all. This aptly named book takes a methodical and thorough approach, with step-by-step instructions and advice to fix even the worst credit record in the shortest possible time. If you have serious credit problems, you need this book.

Review

A helpful guide for people who have sunk into debt, offers ideas for setting a budget and repairing credit history. — Washington Times

A high quality, do-it-yourself credit repair approach… — Reuters

How do you distinguish genuinely helpful credit-repair professionals from scam artists? Ask your library for books such as Credit Repair. — Chicago Sun-Times

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