The following is a list of books to assist you in your quest to clean up your credit. I call it Debt Repair Reference Books. I have always believed in transparency on the web and so I am disclosing that I will earn an affiliate commission for any purchases you make.
Written by a former debt collector, this credit repair book covers many aspects of credit restoration, including how to legally remove any adverse credit from a consumer credit report, how to negotiate debt, how to prevent and recover from identity theft, the secrets to raising a credit score, and more.
Remove judgments, liens, late payments, bankruptcies, collection accounts, inquiries, charge-offs, repossessions, and foreclosures. Learn how to negotiate like a pro, reducing credit card and other unsecured debt to a fraction of what you owe!
How To Increase Your Credit Score and Repair Your Credit With The Number 1 Book In The Country. 117 Positive Reviews Can’t be Wrong. “The most complete credit repair book I ever read. This book will teach you how to increase your credit score. – Sam Park”.
What if you had the knowledge in the palm of your hand that could help you improve your credit report and as a result, you may qualify for the following: Your dream house, Your dream car, That new apartment, Your dream job, Start a new business, Increase your credit score and get into that new home or car. If you had this knowledge, would you use it to start living the life you want? What if you knew a handful of strategies that will allow you to do the following:
Avoid embarrassing moments when applying for credit. Sleep at night because of no more abusive collection calls. Spend what you want at the mall and your favorite restaurants because you saved due to settlements. Avoid frustration and family fights due to money. Open your mail freely because you know it’s not a bill collector or a lawsuit. Take control of your credit in the comfort of your home.
If you knew these strategies, would you take action to get inaccurate, misleading and questionable items off of your credit report? What if I showed you the same techniques and strategies credit repair companies and consultants use to challenge inaccurate and questionable items for their clients.? Would you take action?
What if this book could give you the following: An easy step-by-step 12 letter campaign that will allow you to challenge any inaccurate, unverifiable and questionable information on your credit report? Over 15 sample letters ready to go. Easy to read and easy to follow chapters detailing credit repair information. Easy to understand, actionable steps that could save you money. Up-to-date and relevant information that match the economic conditions. What if you had more tools that would allow you to change your credit situation, would you act?
What if you had these tools: Step-by-step game plan for rebuilding your credit. A comprehensive understanding of how to remove inaccurate, unverifiable and questionable judgments, collections and charge-offs. Easy to follow strategies on how to stop debt collectors in their tracks. Step-by-step instructions on how to raise your credit score. Step-by-step process to settling your debts even when the collector does not want to settle. Easy to read material that could read in one day.
Clear instructions on what to do if the credit bureaus refuse to remove inaccurate, unverifiable and questionable information. Techniques on how to increase your credit score. If you had all of the tools listed above, would you take action? If the answer is yes, start repairing your credit today by clicking the add to cart button.
Her straightforward approach to money management is based on self-control, hard work, and prioritizing what’s really important. Debt-Free Forever is Gail’s step-by-step guide, and she’ll show you how to: figure out how much you’ve actually been spending • calculate how much you owe—and what it’s costing you • build a budget that works.
The American economy is dragging, with unemployment rates rising and consumer debt hitting $2.5 trillion. Many people are in deep and need help. Here, a Certified Financial Planner explains the mathematics of debt; strategies to deal with credit card, mortgage, student, and other loans; why debt consolidation and taking loans from a 401(k) can lead to problems; truths about bankruptcy; and how to use debt while eliminating it.
*Includes essential resources and websites, sample letters and forms, loan forgiveness programs, bankruptcy resources
*Author a Certified Financial Planner
*Covers every kind of debt, mortgages to credit cards to student loans
*National credit card debt is growing exponentially
Credit Warfare: Advanced Credit Repair and Debt Collection Strategies for the Novice and Expert User, Vol. 1
In the early 1990s we experienced a recession not quite as bad as the great recession of 2012 but painful for many nonetheless. Back then I did live radio five nights a week on this one subject (credit repair) broadcast out of Miami. The program, like this book, was called Credit Warfare and focused each night on a new credit repair or debt collection issue.
Many people listened nightly on their ride home from work. It was the highest rated program on AM radio during drive time because so many people needed help. Doctors, lawyers, judges, secretaries, police officers, nurses, truck drivers etc… listened to Credit Warfare and used the information to pull their lives back together.
A superior court judge became a federal judge. A police lieutenant became a captain. Others got new jobs and started businesses. They were now able to get the best rates on insurance, homes, cars, credit cards and so on because they were trained to handle their credit repair / debt collection issues themselves.
Today more than 61 million Americans have bad credit with another 30 – 40 million classified as bruised to sub-prime. I knew things were getting bad back in 2007 when I started receiving emails from those who listened to me on the radio or came to seminars 15 years earlier asking for help again.
As was the case then, you can re-take control of your financial life without a credit repair company, credit counseling or in most cases an attorney. You can stop the creditors, collectors and lawyers with little effort and regain some sense of serenity in very short order if you know what your rights are and how to enforce them.You truly can remove any negative information from your credit report on your own legally with minimal time invested.
Credit Warfare will provide you with the knowledge you need backed up with legal references, resources, a plan of action and step by step instruction to deal with any credit or debt collection issue regardless of whether you are a novice or experienced consumer. Most importantly Credit Warfare will help you sleep at night knowing you have the power to fix the issues at hand and protect yourself from any further attacks.
Negotiate and Settle Your Debts: A Debt Settlement Strategy
Considering debt settlement? Negotiate and Settle Your Debts guides you to an extremely inexpensive way to do your own negotiating and settling of credit card debt.
ALSO INCLUDED ARE WHAT THE BANKS ARE ACCEPTING AS SETTLEMENTS AS OF DECEMBER 2012.
Save thousands of dollars and improve the quality of your life with this very informative gem of a book. Contents are sample Debt Settlement letters , Instructions on the timelines, How and when to start negotiating with your creditors, What happens each month you go late, Credit Repair Letters, Information about the Statute of Limitations and FDCPA, Information about the IRS Debt Forgiveness laws including Insolvency.
Recent debt settlement letters of the authors from Bank of America for 20 cents on the dollar show that the strategies in this book really work. These are easy to follow steps, which allow you to take back control of your financial future. Take action on your credit card debt today and discover the secrets the debt settlement companies and banks don’t want you to know!
Suing Abusive Debt Collectors: Don’t Get Mad, Get Even and Get Paid!
This book is written with consumers in mind, primarily for those who have been harassed, or abused, by unscrupulous debt collectors. Much of the information included are from the authors own real-life experiences. The author will show you how to identify illegal collection tactics, how to prepare evidence and how to file a lawsuit against a debt collector.
The contents of this book are not for exacting revenge on legitimate debt collection companies, it is for exacting justice for consumers that have been abused by debt collectors. If you are reading this book then you are probably at wits end and have been on the receiving end of bad debt collection tactics.
It is time to turn the tables on illegal debt collections and hit them where it hurts, in the wallet. The big secret in the debt collection industry is that in upwards of ninety-eight percent of legitimate consumer filed Fair Debt Collection Practices Act (FDCPA) lawsuits the collection company will settle before their case ever makes it to a courtroom.
Many times an offer of settlement is made as soon as the collection company files an answer to your complaint. This is the collection industry “Achilles Heel”. An easy to understand step-by-step guide with real world examples and with of tips and tricks on stopping debt collectors and profiting from their abuse.
The book covers fair debt collection practices act (FDCPA), fair credit reporting act (FCRA), and telephone consumer protection act (TCPA) violations that debt collectors frequently use to abuse consumers.
No more paying top dollar to attorneys and credit repair companies. The secrets are revealed. This book will teach you the incredibly easy process the professionals are using and charging thousands for.
A simple step-by-step guide to remove all derogatory items on your credit reports, even if they do belong to you! Are charge-offs, repos, bankruptcies, judgments, short-sales, loan modifications, late payments, and collection accounts preventing you from receiving the new home or car that you dream of, or preventing you from getting a better job or credit card? Say no more, and make them vanish from your credit report file, so your FICO score will dramatically improve!
How to Raise Your Credit Score In 10 Easy Steps is the most informative book you will ever read about credit scores! An Accredited Financial Counselor with an MBA, Angel Love, has helped thousands of military Service Members all over the country learn real strategies to raise their credit scores.
Now this information is available to anyone who wants to understand all aspects of the credit score, from the differences between the various scoring models, to how they’re calculated. Save hundreds, if not thousands of dollars on the cost of credit by implementing these practical solutions to managing your personal finances today!
Learn why you have a different credit score from each of the credit reporting agencies! Find out the one thing that prevents a high score (780) from being an 800! Discover what consistently drops your score by 12-20 points each time you do it! Figure out how to re-build credit after a bankruptcy, or establish credit if you’ve never had it before!
Discover little-known information on accessing your report from the 4th credit bureau, as well as the other agency that collects widely reported information about you! Learn where to get the money to pay off your credit card bills! This book offers complete and concise information on raising your score, and avoiding the things that decrease your score.
Learn to think like the credit scoring models and qualify for the most competitive interest rates on houses, cars, and insurance policies. Get this book today and be part of that elite club with 800+ credit scores, enjoying greater financial freedom!
The painless way to manage credit in today’s financial landscape
People with great credit scores are getting turned down for credit cards and loans for homes and cars. What do they need besides a good score? What are lenders looking for now that they are extremely risk-averse? Repairing broken or damaged credit is one thing, but having to meet today’s much stiffer credit standards requiring that consumers consistently manage their credit is another thing all together. Credit Management Kit For Dummies gives you answers to these questions and insight into these concerns, and also walks you down the correct path to credit application approval.
You’ll discover major changes with the Credit CARD (Credit Accountability, Responsibility, and Disclosure) Act provisions and the new Consumer Financial Protection Legislation Agency; the effect of tightened credit markets on those with good, marginal, or bad credit; new rules and programs including Hope and Government options via the Obama Administration; the best ways to recover from mortgage related credit score hits; tips for minimizing damage after walking away from a home; credit score examples with new ranges; and much more.
- The pros and cons of credit counselors
- The quickest and most effective way to undo damage from identity theft
- Advice and tips about adding information to a credit report, and beefing-up thin credit
- Guidance for evaluating your Credit Score in today’s economy
- Fannie Mae’s revised guidelines for purchasing mortgages
- Information on significant others (boyfriend/girlfriend/spouse) and credit and debt sharing
- IRS exceptions to the Mortgage Forgiveness Debt Relief Act in a mortgage meltdown situation
Not just for those who have bad credit and need to repair it, Credit Management Kit For Dummies also serves as an invaluable resource for those with average credit who want, or need, to manage it to get a job, reduce insurance costs, qualify for banking products, and more.
Today, a good credit score is essential for getting decent terms on credit–or for getting credit at all. But that’s just the beginning: Your credit score rating can be reviewed by everyone from employers to cell phone carriers.
Now, MSNBC/L.A. Times journalist Liz Weston has thoroughly updated her best-selling guide to credit scores, with crucial new information for protecting (or rebuilding) yours. Your Credit Score, Fourth Edition thoroughly covers brand-new laws changing everything from how your credit score can be used to how you can communicate with collectors.
This edition also adds simple graphics revealing exactly how much skipped payments, bankruptcies, and other actions will lower your credit ratings, and how long it takes to rebound. You’ll find new information on “FAKO” alternative scores, expanded coverage of short sales, foreclosures, the new FICO 8 Mortgage Score, and when to “walk away” from a mortgage.
Learn how to protect yourself against new credit risks from social networking and mobile banking and how to safeguard against unethical or illegal use of credit scores by employers. Weston updates her expert guidance on using FICO 08 to raise your score, fighting lower limits and higher rates, maintaining the right mix of cards and balances, bouncing back from bad credit, choosing credit “solutions” that help, not hurt… and much more!
Your credit score affects every aspect of your financial life including qualifying for loans and mortgages, low interest rates, housing, employment opportunities, and even insurance premiums. Millions of Americans have negative, inaccurate, and unverifiable information on their credit report.
Repairing your credit profile is one of the most important financial decisions you can make. You’re about to take the important step of taking control of your credit! If you’re like the average American, having improved credit will save you thousands of dollars on your loans and credit cards.
You do not need a credit repair clinic. Save the money. Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost using the plan in this new book. There are federal laws in place to make sure that you can repair problems on your credit report and increase your credit score. These laws are found in the Fair Credit Reporting Act.
This book will show you how to use your legal rights to increase your credit score. You will learn how to remove questionable items from YOUR credit reports, including: late payments, collections, judgments, liens, charge offs, bankruptcies, foreclosures, repossessions, and identity fraud.
This new book will be your road map to credit repair information, and give you tips on how to maintain a stronger credit profile, repair bad credit, improve credit scores, and correct personal information. Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company president’s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books.
Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice.
Every book has resources, contact information, and web sites of the products or companies discussed. This Atlantic Publishing eBook was professionally written, edited, fact checked, proofed and designed. The print version of this book is 288 pages and you receive exactly the same content.
Over the years our books have won dozens of book awards for content, cover design and interior design including the prestigious Benjamin Franklin award for excellence in publishing. We are proud of the high quality of our books and hope you will enjoy this eBook version.