Credit Repair

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.

User Ratings and Reviews

5 Stars Great NOLO publication
As someone who worked in the finance arena for years, including direct work for one of the major credit agencies, I was a little skeptical about getting this book. Things change so fast from one year to another and I figured that I’m not at the stage in life to make drastic changes on my spending. Plus I was happy with my budgeting. Was I in for a surprise! The book is indeed very up to date for this year, but what stood out for me are the ideas on how to handle budgets and existing debts – with specific options listed. The book has an array of forms you may need to repair your credit, and you can get free updates to keep up with current trends in the field. And in addition to that, you may find simple ways to improve your credit rating for the next time you need to make a major purchase.

5 Stars Indispensable!
This is one of the bibles on credit repair, published by NOLO PRESS, which offers authoritative information on how to repair damaged credit. These days, companies are quick to report you as a late payer or file erroneous or outdated information that will have a significant, negative impact on your credit score. Perversely, a negative hit, created by one late payment, has more of an effect than, say, a current payment; in other words, you can do almost everything right, but one wrong mistake, one late payment, can decrease your score quickly and immediately. Your only recourse is to know exactly what to do, step by step, to (a) assess your situation, (b) determine what is correctable and what is not, and (c) correct what you can. Over time, your credit score will improve, but it will take months in most cases; there are NO quick fixes, as this book points out. (Also, as this book points out, some credit repair companies use questionable tactics that simply aren’t effective.)

If you have damaged credit, this authoritative book is well worth its cover price. Its basic message is that you can and should correct WHAT YOU CAN, and then let time run its course. Over time, if you are current, don’t overload and max out your credit lines, and make sure any erroneous information is corrected, you’ll find the advice in this book to be timely and accurate and well worth implementing.

5 Stars Stop Hiding – Start Living!
There is no quick fix when it comes to credit repair. It can take months and even years before you see results. This book is definitely one of the best resources and starting points to fixing your credit.

Everyone has different circumstances, from being victims of identity theft, loss of employment, to disaster, etc… Life happens! This book is a wealth of information that will help guide you and assist you with the appropriate available forms on the enclosed CD.

What ever your circumstances may be, here is your starting point. You owe it to yourself and/or your family to start living a better life. Don’t waste time thinking about repairing your credit, start acting on it. The more time you spend think about doing it, is time wasted.

2 Stars Credit takes a back seat to budgeting…
Here’s a fact: If you keep sending a letter every month disputing something on your credit report that is TRUE you will eventually get it taken off. Eventually you will get that slacker who just wants to go to lunch early, and just hits the okay button.

Here is another fact: There are tips and tricks you can use to remove anything, and this book doesn’t contain any of them. For example, if you have a bankruptcy, send to the court that currently holds the paperwork and ask them for a copy of anything they have provided Experian, Transunion or Equifax. They will reply with a letter stating that they do not provide information to credit reporting agencies. Now dispute your bankruptcy with all three bureaus. They will all claim to have verified it, and list the court as the source. Reply with a copy of the letter, showing them you caught them in a lie, and demanding they remove the mark, which they FAILED to verify inside of 30 days.

Having been in the business, I know hundreds of these proven strategies, and none of them are listed in this next-to-useless book and CD on “Credit Repair”.

You will do far better getting on a credit repair message board than shelling out your hard earned money on this book.

5 Stars Superior
I had just reviewed “Your Credit Score, Your Money & What’s at Stake”

another credit book, gave it a 5 star, and then read and concluded this book is superior. “Credit Repair” offers more details, includes forms, gives more specific and accurate information, and, in the section on collections, provides lots of legal answers that protect the consumer that aren’t even in “Your Credit Score”.

An outstanding 5 star plus.

Buy/More Info