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

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

See all Editorial Reviews

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!

See all Editorial Reviews

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.

See all Editorial Reviews

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

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

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 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

See all Editorial Reviews

Product Description

Every year, millions of people find themselves in a financial predicament—unable to qualify for a mortgage or a school loan, get hired for a job, or realize their family’s financial and life goals—all because they have poor credit due to medical bills, overspending, or identity theft. Others are faced with lower credit limits and higher fees and interest rates, which can compound already difficult financial situations. 

In The Credit Repair Handbook, trusted consumer debt and bankruptcy expert John Ventura counsels readers on how to identify problems with their credit, rebuild their credit histories and boost their credit scores, and protect their credit from identity thieves. Comprehensive, thorough, and up-to-date, this is the only guide readers will need to get their financial lives back on track.

• Learn what your credit reports say about you—and how that information affects your life 
• Rebuild your credit after serious money troubles
• Raise your credit score
• Avoid credit-repair scams
• Protect your good credit against identity theft

About the Author

John Ventura is a nationally known bankruptcy attorney and author who has been writing about issues related to consumer financial and legal issues for more than 15 years. During this time, Ventura has been a guest on CNN, CNBC, PBS, and National Public Radio, among other national TV and radio media and has been quoted in such publications as The Wall Street Journal, Kiplinger’s Personal Finance, Money, Newsweek, Black Enterprise, Entrepreneur, U.S. News and World Report, Maxim, Good Housekeeping, Martha Stewart’s Living, the Chicago Tribune, the LA Times, and The Dallas Morning News, among other media outlets.

Most recently, he has been quoted about issues related to bankruptcy, debt and credit rebuilding at CBSMarketWatch.com, Office.com, Bankrate.com, USA Today, MSNMoney, The Dallas Morning News, The Detroit Free Press, the Baltimore Sun, the Indiannapolis Star, and Black Enterprise Magazine.

He currently serves as Director of the Texas Consumer Complaint Center at the University of Houston Law School in Texas and is also an adjunct professor at the law school.

Product Description

Credit Repair Kit, Includes Guide/14 Template Letters

Product Description

A practical step-by-step system to establish, repair or build credit. Written by an expert “money doctor”, this is the perfect book for anyone with less than perfect credit. “Guaranteed Credit” will help readers turn bad credit or no credit into a triple A-credit rating in only 90 days or their money back!.

Product Description

2 cd set: Budget Creator and Credit Repair Kit.

Product Description

Are you looking for a FRESH START?

More than five million consumers have filed bankruptcy in the last five years, and millions more have considered it because of their low credit score or what is on their credit report. Millions more have been refused credit because of inaccurate, incomplete, or out-of-date information in their credit files. Let The Complete Credit Repair Kit help you clean up your credit report, improve your credit score, lessen your debt, and cope with your financial difficulties. The Complete Credit Repair Kit will teach you how to quickly and easily get your finances back on track.

This new, easy-to-understand edition includes information on budgeting your money, obtaining your credit report, fixing your credit, and preventing identity theft. It explains everything you need to know to legally repair your credit, without confusing legalese.

This book includes a complete glossary as well as over 40 forms and letters you can use to repair your credit score. A CD-ROM is also included that contains all the blank forms and letters so readers can more easily utilize them.

LEARN HOW TO:

• Understand what your credit score means
• Read your credit report
• Negotiate with your creditors for lower payments
• Get changes made to your credit report

Includes READY-TO-GO FORMS with Step-by-Step Instructions

ESSENTIAL INFORMATION YOU NEED TO:

• Improve your credit score
• Lessen your debt
• Consolidate student loans
• Prevent identity theft
  

“From beginning to end, this book is packed with logical remedies for common, and some not-so-common, dilemmas.”
Suite101.com

“One of the easiest reading books on this subject.”
About.com

About the Author

Brette Sember, JD is a an attorney who practiced in NY state, handling consumer issues, and also mediated cases for the Better Business Bureau. She has taught classes about credit and debt, and written many articles about this subject.

See all Editorial Reviews

Product Description

Avoid bankruptcy, foreclosure, and identity theft

All the tools you need to build, rebuild, and maintain great credit

Need to clean up your credit? This up-to-date resource is packed with action plans for repairing a bad report, paying down debt, and repairing a bad credit report. You’ll discover how to dispute inaccurate information, communicate with collectors and creditors, set financial goals, and build a good credit history. You’ll also see how to avoid scams - and take action if you’re victimized.

Discover how to:

• Obtain and maintain your credit report

• Build new, strong credit

• Handle annoying collection calls

• Locate credit counseling

• Manage your finances wisely

From the Back Cover
Avoid bankruptcy, foreclosure, and identity theft

All the tools you need to build, rebuild, and maintain great credit

Need to clean up your credit? This up-to-date resource is packed with action plans for repairing a bad report, paying down debt, and repairing a bad credit report. You’ll discover how to dispute inaccurate information, communicate with collectors and creditors, set financial goals, and build a good credit history. You’ll also see how to avoid scams — and take action if you’re victimized.

Discover how to:

• Obtain and maintain your credit report

• Build new, strong credit

• Handle annoying collection calls

• Locate credit counseling

• Manage your finances wisely

See all Editorial Reviews

From Library Journal

Many Americans, we are told, are loaded with personal debts. While paying them may be burdensome enough, not paying will register you with one of three main (secretive) credit bureaus. Getting your name cleared from these outfits may take some doing if things don’t go smoothly. Bierman, a credit consultant, and Wice, a freelance writer, show how to get your credit reports, read them (jargon reigns here too), and repair them. Practical step-by-step routines are outlined and valuable sample letters scattered throughout, with the caveat not to copy them precisely or the credit bureaus will suspect that you are being coached. Appendixes citing all the relevant laws fill a third of the book. Surely this will be both a useful addition to public libraries and probably an item to be kept behind the desk.
- Alex Wenner, Indiana Univ. Libs., Bloomington
Copyright 1994 Reed Business Information, Inc.
–This text refers to an out of print or unavailable edition of this title.


From Booklist

Anyone who has ever been turned down for a loan as well as anyone with an extensive credit history should read this guide. It spells out clearly and succinctly how to obtain copies of your credit report, how to read different bureaus’ reports, and how to fix what’s wrong. Sample letters are given throughout each stage, from writing credit bureaus for your complimentary annual report to writing a cease-communication letter to collection agencies. A multitude of appendixes give everything from credit-bureau addresses to simple explanations of such complex pieces of legislation as the Consumer Credit Protection Act and the Fair Credit Billing Act. With this guide in hand, reading your credit report and correcting errors will never again seem like impossible tasks. Caroline Andrew
–This text refers to an out of print or unavailable edition of this title.

See all Editorial Reviews

Product Description

In today’s world, good credit is important. This kit will show you how to repair or establish credit as well as teach you how to set goals for yourself and how to achieve them. With a little work, your credit report can be spotless!