Author: Arnita Johnson
Release Date: 2016-11-26
Bad credit? No credit? The Ultimate Credit Repair Guide to Having Luxurious Credit is loaded with knowledgeable, easy-to-follow advice no matter where you find yourself on your financial journey. Arnita, like millions of Americans, learned that having bad credit can jeopardize your livelihood. What started as an instant approval of credit for $2500, quickly spiraled into twenty-five unpaid credit cards, reckless spending habits, and uncontrollable debt that cost her a well-paying job and nearly destroyed her financial future. With a FICO score of 303 (FICO starts at 300), Arnita knew the only person who could repair the damage she did to her credit was her! She received no help from the credit bureaus and countless threatening calls from bill collectors. But after years of studying consumer rights and laws on how to fix what seemed irreparable, Arnita applied practical steps and proven methods that cleaned up her credit report and doubled her credit score in six months. This guide includes exclusive information on:Credit repair dispute techniquesInside secrets on how the credit bureaus workHow to finally put an end to debt collector callsHow to increase your credit score in 30 daysHow to write effective dispute lettersHow to request debt validationHow to establish creditSample well-written dispute lettersWhat NOT to do when repairing your creditThe infamous "Debt Collector Call Script"And MUCH MORE!
If you are tired of boring step by step books, and need real life examples, then this book is for you! If you are looking to boost your credit score or just learn some easy tricks that will help you, this is your book. If you've read The Great Financial Crisis, by John Bellamy Foster, Conspiracy of Credit, by Corey P. Smith or Hidden Credit Repair, by Mark Clayborne then you'll definitely love this book! I not only give you tips, and great resources, I show you through my story why having "Great Credit" is so important. In this book, I will give you excerpts from my life and how I went from making six figures to spending 15 hours in jail, (believe me when I say those 15 hours felt like 15 long years) and transforming from a fulfilled life to a life of unemployment. From word to word, paragraph to paragraph, page to page and chapter to chapter, I will give you the insight on how you can be set free from issues related to credit. I will show you how having good credit could have saved me from going to jail, being misled, and fighting for my reputation and most of all my freedom. But like I said before, "Life Obstacles" are very necessary to improve one's future. Most importantly at the end of my story I will share with you 7 mini steps you can use to change your credit position. As a bonus, I've included a list of 2nd chance banks & fico enhancement strategy's. Remember Great Credit = $$$ = Mental Peace and Security! I hope you not only enjoy reading this book, but also restore your Soul and Credit at the same time. NEVER LET YOUR PAST DICTATE YOUR FUTURE!
Credit repair is profitable. It's a recurring-revenue business that you can launch with just a computer and a phone. Learn to repair credit for yourself and others and start your own profitable business from home. Credit Repair Professionals are always in demand and can earn $10,000 to $20,000 per month (or more). The most successful credit repair businesses all follow the very same methods and this book breaks it down into easy to follow steps. You'll learn: - Credit repair basics - Legal ways to remove difficult items from Credit Reports - How to work with clients who have a bankruptcy, collections and other issues - Advanced Tactics - How to launch a business for under $100 - How to get a lot of clients without paying for advertising - Tips and tricks to grow a highly profitable, recurring-revenue business If you've been thinking about starting your own credit repair business, this guide will drastically shorten your learning curve. It's the most comprehensive book available on the credit repair business.
The ultimate, step-by-step guide on HOW to build business credit and exactly WHERE to apply! Learn how to get started even with Poor Personal Credit and working within a shoestring budget! Learn how to establish a business. Once you have an established business, discover how to organize and position your business for credit approval. Identify what criteria to meet before applying. Receive direction on how to complete applications correctly to secure approvals and exactly where to apply! Once approved, learn how to continue building your business credit. Master and implement strategies to continue building your business credit to over $100,000.
Author: Constance Carter
Publisher: Lulu Press, Inc
Release Date: 2016-01-18
Genre: Business & Economics
One of the most critical pieces to building wealth is having good credit. Of the thousands of individuals I have helped become homeowners, a great amount did not understand the value of credit or how to decipher a credit report. It’s the boogeyman in the closet that no one wants to deal with. What they don’t understand is that it’s not as scary or hard to understand as they think. And it’s certainly not as hard to repair and maintain. While there are truly legitimate credit repair companies out there, others have made a fortune in doing basic “credit repair” functions that a consumer has the ability to do themselves. This is not a quick fix credit repair book. It is written to help you understand how credit works, gives you tips on how to improve and maintain your credit, shows you how to decipher a credit report, and will give examples of some of my past clients who have done some of the tips I speak about and how it’s improved their credit scores.
If you have negative marks in your credit history, you already know what a pain it is living with bad credit: you get turned down for credit cards and loans or you pay sky-high interest rates when you do get approved. The list of indignities you suffer with poor credit goes on and on.Even people with ¿good¿ credit histories and respectable credit scores are having a tough time. Banks have imposed new fees, raised interest rates, slashed credit lines and even closed accounts of customers with so-called ¿good¿ credit. Which is why, even if you have a fair-to-good credit rating, you need to learn how to achieve ¿perfect credit.¿Perfect Credit is the definitive guide to getting and keeping outstanding credit. Think of this book as a roadmap for anyone hoping to establish picture-perfect credit, make improvements to have stellar credit, or simply maintain a fantastic credit standing. Today, roughly 220 million Americans have credit files maintained by the ¿Big Three¿ credit bureaus: Equifax, Experian, and TransUnion. Of those, about 40 million Americans (roughly 1 out of 5), have very poor credit, or ¿deep subprime scores,¿ according to Experian. Another 50 million adults in the U.S. have no credit files ¿ either because they¿ve never used traditional forms of credit, or because their credit files are ¿too thin¿ to generate a credit score. Perfect Credit offers all these consumers an easy-to-follow blueprint on how to get superb credit ¿ and how to sidestep numerous credit traps and pitfalls along the way.
This book is a complete and detailed guide to repairing the PlayStation 3 console. Regardless of electronic repair background, this guide allows anyone to repair their system using the step by step instructions that are easy to follow with full color photos.
This book is a consumer instruction manual for the credit reporting and credit scoring systems. Although these credit systems directly effect the financial standing of millions of Americans, few people understand them.
Author: Charles Dickens
Publisher: Trafford Publishing
Release Date: 2013-04
Genre: Business & Economics
It is estimated that over 80 million Americans are living with poor credit, and recent studies have shown that up to 79% of all credit reports contain errors. Use this recession-proof, guerilla-repair guide to quickly and legally repair your credit and improve your scores. Don?t pay credit repair companies thousands of dollars; do it yourself, and be fast on your way to owning the car or house of your dreams. ? Remove accurate negative information ? Boost your scores in as little as 72 hours ? Establish credit fast and easy ? Laws to stop creditors fast in their tracks ? Secrets the credit bureaus don?t want you to know ? Remedy identity theft in 4 days ?Finally, a credit repair guide that delivers! I applied these legal-loopholes tactics and improved my credit score by over 100 points in less than 30 days! The author uses his legal background to shed light on the little-known provisions in the law, allowing you to legally and quickly repair your credit and boost your scores. Yet his simple approach and sample legal form letters make repairing credit so easy?you need only be smarter than a fifth grader to do it yourself.? ?E. Henry, Milwaukee, Wisconsin, savvy consumer
Author: Norman David Roussell
Publisher: Start Smart
Release Date: 2009-03-18
Genre: Business & Economics
Principles of Building Business Credit is a comprehensive book that teaches a systematic approach for business owners to establish a business credit profile and build business credit. The book includes a list of over 60 of the top business friendly creditors in the U.S., a list of over 30 of the best business credit cards, the top angel invcestment groups in the U.S., the top venture capital firms for growing businesses in the U.S., and much more.
Author: Alisa Glutz
Publisher: Color My Credit
Release Date: 2016-09-28
Personal finance, money management, business & economics, credit reports, FICO scores, the cost of credit... each impacts our lifestyle and financial decisions, yet far too few Americans are aware of little-known secrets to our credit scoring system. Even fewer adults know it is easier than they imagine to effectively re-build credit, quickly and without a lot of pain-with the right help. Expert Alisa Glutz has a proven method to "color" credit; she is passionate to create a movement where people everywhere can take advantage of a fun, but effective approach, to repair bad credit that stems from life events such as identity theft, bankruptcies, personal financial upsets, and myriad unknowns that negatively impact vital financial opportunities. If you have ever wondered any of those things, then don't worry; you have come to the right place. Color My Credit will answer all your questions-and even some you don't know to ask! Her new release, Color My Credit, is designed to enlighten readers; compiled with tips, insider secrets, and advice and action steps to help you repair your credit quickly and easily. It is the ultimate guide for readers drowning in the despair of bad credit. It is designed to remove the guilt and trauma associated with limited choices based on low credit scores, and transform your life forever. Glutz helps you make course corrections in spending, credit errors, debt ratios, etc.-all of which can ultimately help you save thousands of dollars in interest paid, interest rates, and myriad other financial choices that are all predicated by your credit score. Awareness equals choices. The information in Color My Credit is timely; we are coming out of a long seven-year stretch where people had little opportunity to modify their damaged scores. The author is bold in her assertions of what can happen next for you, if you but step into the arena, learn the credit laws that both protect and impact you, and take advantage of the changing tides that are occurring now. In addition to the print version of the book, readers are encouraged to download a complimentary workbook that includes sample credit reports, forms, templates, letter samples, and other helpful tools to participate in this great Color My Credit Movement! This book is for you... if you have mediocre to downright bad credit-or, like many consumers-have no idea what is on your credit report because you are too afraid to look. It is for you if you want to better manage your credit to take advantage of better employment, reduced insurance costs, better pricing on banking and mortgage loans and more. This book is for you... if you have only an inkling of how the role credit plays in your financial life. Improved credit scores can open the doors for the best of everything financial. Color My Credit helps you put together and action plan not only for boosting your credit score, but learning exactly what steps are necessary to maintain it. The author answers many critical questions, such as how to request credit reports from the three nationwide reporting agencies, understanding why your score is low, and how to quickly recolor your credit score (FICO) picture! ADVANCE PRAISE Credit... A subject we all know is important, but let's face it, how many of us actually want to know about and /or take the time to improve our credit score? Color My Credit by Alisa Glutz, lets us know that it can be done, one just needs to begin, take things step by step as outlined in her book and big things can and will happen. Whether it just be making a marked improvement in one's score all the way up to buying that dream home. The relationship of credit to one's overall, ongoing financial plan is so important. What's comforting is knowing that there is someone like Alisa that has the unique combination of knowledge, know-how, and desire to help others. Matthew C. Munn Registered Investment Advisor First Financial Equity Corporation
Author: Jay Winston
Publisher: Aspen Publishers
Release Date: 2010
When chief financial officers, attorneys and business owners focus on debt collection - both consumer and business debts - their overall concern can be generally summarized in two short sentences: "What can I do legally?" and "Where do I find the answer?" Aspen Publishers' Complete Guide to Credit and Collection Law, 2010 - 2011 Edition is a comprehensive effort to answer these questions. Recent years have produced as many significant changes in the credit and collection industry as Sarbanes-Oxley produced in Wall Street. Five separate and distinct types of legislation have emerged from Congress, all of which will impact not only on the extension of credit, but also on the collection of debts. The new, completely updated 2010 - 2011 Edition includes extensive coverage of: In-depth analysis of stale, unsigned, bounced, post dated, stop payment, certified and cashiers' checks New laws passed in 2009 and 2010 Preventing foreclosures and enhancing mortgage credit Credit Card Accountability, Responsibility and Disclosure Act Consumer laws of New York City Article entitled "Foreclosing on a Mezzanine Loan" Commercial Arbitration Rules of the AAA Reaffirmation agreements Amended Fair Credit Reporting Act An article on "Electronic Discovery Agreements" Title X of the Consumer Financial Protection Act of 2010 Only Complete Guide to Credit and Collection Law, 2010 - 2011 Edition will help you raise collection rates and reduce costs, while making certain you always remain in compliance. Updated yearly and packed with useful tips and tools, this thorough guide is recognized as the industry's most comprehensive reference manual. Complete Guide to Credit and Collection Law, 2010 - 2011 Edition is immediately applicable in real-world situations, providing: Annual updates to keep you apprised of new laws, judicial decisions & hot topics Clear explanations of the key laws that affect credit and collection Easy-to-read summaries/Plain-English explanations Practical credit-risk guidelines-Practice Tips Appendices containing the actual laws, and case excerpts that you need to make informed business decisions, including: surveys of laws governing commercial collection, Regulation M--consumer leasing, meaningful involvement under FDCPA, and Regulation Z and Revised Article 9 of the UCC.
Author: Michelle Dunn
Publisher: Entrepreneur Press
Release Date: 2006-08-28
Genre: Business & Economics
Entrepreneur’s experts show you how to boost your bottom line with credit and collections Proper credit and collections policies are essential for a small business. They allow a business to make more money--even without making more sales--by more efficiently collecting from customers. Ultimate Credit and Collection Handbook teaches you how to create or improve a credit department, maintain a credit policy, and avoid bad debt. It includes up-to-date information on relevant state and federal laws.
This is the subject they do not teach you in school! This TELL ALL, NO-HOLDS BARRED GUIDE not only will assist everyone with credit education but it is also a STEP BY STEP DIY Instructions Manual to repair your own credit from a Board Certified Industry Expert. INCLUDED IN THIS ULTIMATE DETAILED GUIDE: *Sample Dispute Letters for credit bureau, collections, medical collections, repos, judgments, etc & how and when to effectively use them. *How to effectively Analyze/Audit a credit report. *How to properly spot and dispute medical collections. *How to spot real HIPAA violations( not the bogus stuff that doesn't work) and when to seek an attorney. *How to understand and apply Consumer Protection Laws *How to understand when the Credit Bureaus are non-compliant and how to handle it *What is Metro 2 and how it applies to you with invalid formatting *What is e-Oscar, how the dispute process works, and how e-Oscar's electronic verification is not correct *Advance Dispute Tactics *All things Collection and how sample Validation letters *How to handle and stop Debt Collectors call immediately *What you can Sue the collections agency and Credit Bureaus *How to understand Statue of Limitations for collections and for reporting *How to handle Repos, Bankruptcies, Judgments, Public Records *All about Late Payments, *Student Loans disputes and various way to get them out of default *When you need to hire a professional *AND TONS MORE