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Author: August Raines
Publisher: RWG Publishing
ISBN:
Category : Business & Economics
Languages : en
Pages : 57
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Book Description
Credit Score Secrets: Unlocking the Path to Financial Health by August Raines is your essential guide to understanding and mastering the mysterious world of credit scores. Created by Fair Isaac in the 1950s and widely adopted as the FICO score in 1989, credit scores were initially designed to help lenders assess risk. Today, these three-digit numbers influence much more than just loan approvals-they can impact job prospects, mortgage rates, and even insurance premiums. This book explores the complexities and fairness of the credit scoring system, demystifying how hundreds of financial aspects of your life are distilled into a single number. Discover the hidden mechanisms behind credit scores, learn how to improve and protect your score, and understand why this metric has become a cornerstone of modern financial life. With Credit Score Secrets, you'll gain the knowledge and tools to navigate the financial maze, ensuring that you can leverage your credit score to enhance your financial health and secure a brighter future.
Author: Eddie D. Furguson
Publisher: Living Plus Healthy Publishing
ISBN:
Category : Business & Economics
Languages : en
Pages : 83
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Book Description
Do you or someone you know have bad credit or no credit at all? If so, pay close attention! And, if you really want to know the facts about credit, this book is definitely for YOU! This book covers everything there is to know about building a great credit score and it's understandable to the average person! In fact, some people have called it the "Credit Manual"! You'll uncover a wide array of tips, including how to repair your credit today! It even includes a sample letter that you can use to send to credit bureaus for disputing credit report errors and repairing your credit. It's like having your very own credit expert that you can reference and ask questions any time you need to! Through this book, you are going to learn what you will need to know about how to get rid of your bad credit and raise your credit score to 750 or more. You will discover: - What Are FICO Scores? - How To Find Your Score? - How To Get Your Credit Report For Free? - What Is The Best Credit Score To Get Super Low Interest Loans? - How To Raise Up Your Credit Score To 750 And Above? - The Very First Thing To Take When Raising Your Credit Score - Ways To Start Establishing A Good Credit - How To Repair Your Bad Credit Score? - How To Read The Secret Codes On Your Credit Report - How to Dispute & Fix Errors on Your Credit Report - Definitions Of The Eight Types Of Public Records - Things Need To Observe When Applying For A Mortgage - The Ugly Truth About Credit Counselors And Debt Consolidators That They Wish You Never Find Out - How To Prevent Identity Theft And What To Do If Your Identity Is Stolen - How Does Bankruptcy Affect Your Credit - And Much More...
Author: Liz Pulliam Weston
Publisher: FT Press
ISBN: 0132823497
Category : Business & Economics
Languages : en
Pages : 241
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Book Description
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.
Author: August Raines
Publisher: RWG Publishing
ISBN:
Category : Business & Economics
Languages : en
Pages : 57
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Book Description
Credit Score Secrets: Unlocking the Path to Financial Health by August Raines is your essential guide to understanding and mastering the mysterious world of credit scores. Created by Fair Isaac in the 1950s and widely adopted as the FICO score in 1989, credit scores were initially designed to help lenders assess risk. Today, these three-digit numbers influence much more than just loan approvals-they can impact job prospects, mortgage rates, and even insurance premiums. This book explores the complexities and fairness of the credit scoring system, demystifying how hundreds of financial aspects of your life are distilled into a single number. Discover the hidden mechanisms behind credit scores, learn how to improve and protect your score, and understand why this metric has become a cornerstone of modern financial life. With Credit Score Secrets, you'll gain the knowledge and tools to navigate the financial maze, ensuring that you can leverage your credit score to enhance your financial health and secure a brighter future.
Author: Daniel Atchison
Publisher: Daniel J Atchison
ISBN:
Category : Self-Help
Languages : en
Pages : 86
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Book Description
"THE DO-OVER: Your Blueprint to Credit Repair" covers every aspect of credit repair, exploring essential topics across its ten empowering chapters. Starting with an introduction to credit repair, you'll gain a clear understanding of credit health, credit scores, and the impact of negative items on your credit report. Throughout the chapters, the author provides step-by-step guidance on disputing errors and inaccuracies, managing debt, and improving credit utilization. You'll learn effective strategies for building positive credit history, boosting your credit score, and navigating the challenges of collections and bankruptcies. But it doesn't stop there. "The DO-OVER" goes beyond repair, equipping you with the knowledge to maintain good credit habits and protect your credit from future pitfalls. You'll gain insights into making major financial decisions, such as mortgages and auto loans, with confidence and wisdom. With its comprehensive coverage, "The DO-OVER" serves as your go-to resource for credit repair, providing actionable advice and empowering you to take control of your financial well-being. Whether you're starting from scratch or looking to refine your credit management skills, this book offers the tools and guidance you need to turn your credit story around.
Author: Casey Boon
Publisher: Judith Laverty
ISBN: 1775131432
Category : Business & Economics
Languages : en
Pages : 60
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Book Description
Repair Your Credit Score Without Stress or Panic Manage Your Credit in Only 10 Minutes Each Month! What if you could drastically improve your credit score? Imagine a great credit score that opens you to impressive financial opportunities… How would your life be different with an extra $500 or $1000 each month… Credit score enthusiast Casey Boon shows why credit has become so important in today’s culture. She lays out a plan that she used to successfully correct her own past credit difficulties “It is easy to fall into credit problems, the trick is to right them ASAP. There is life after debt”. In this book you will learn: · Why credit problems creep up on you. · How to end procrastination. · How to reduce stress by facing credit issues guilt free. · How to end your debt SOON. · How to save money with the DIY approach. · How to save time for family. · How you are the captain of your ship. Buy this book today and repair your credit score without stress or panic! Pick up this book today by clicking the BUY BUTTON at the top of this page!
Author: Reginald J Kunz
Publisher:
ISBN:
Category :
Languages : en
Pages : 144
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Book Description
Improve Your Financial Health And Never Have To Worry About Money Ever Again As you get older, your bills pile up. If you don't keep up, you start to drown... or go into debt. But with all the banks and lenders in the market, you shouldn't have to worry about loaning money to pay off what you owe, right? The short answers: YES and NO. YES, because loans are what banks live for! If they could give loans to everybody, they would - but only if they can be sure that these people can pay them back (with interest and without trouble), which brings us to... NO, because if you have a really bad credit score, banks would be hesitant to loan you money. And if they do approve you for a loan, best believe you'll be getting highly unfavorable interest rates. And you don't want that! Now, you're here because you think your credit score is not where you want it to be. You've looked everywhere and haven't found a single comprehensive guide on how to improve it... until now! In this book, you will learn: All the factors that affect your credit score How to read and understand your credit report, including the 4 CRITICAL AREAS Reviewing your credit reports and how to dispute them When to begin rebuilding and what to expect What credit card offers to avoid Where to find help in rebuilding How to keep your credit score in tiptop shape And much more! Our finances have always been one of the most difficult issues to deal with, especially if they haven't been properly dealt with. The good news is that you don't have to live with this dilemma forever. You can have the power to improve your financial health and live the life you've always wanted with the help of this book! Scroll up and Click on "Buy Now" today!
Author: Polly A. Bauer CPCS
Publisher: Balboa Press
ISBN: 1504342046
Category : Business & Economics
Languages : en
Pages : 172
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Book Description
Award-winning author and credit industry expert Polly A. Bauer, CPCS, and marketing expert Mava K. Heffler have been business associates in the credit card industry. Theyve also been best friends for over two decades who love to shop! They share their stories of lessons learned on shopping adventures with humor and insight and provide you with a roadmap to credit intelligence by sharing their shopping adventures and lessons learned about credit as Olympic level shoppers who have fallen into and pulled each other out of many of the traps and pitfalls surrounding the use of credit and the behavioral buying manipulations by retailers. They have written this book as a guide on how to boost your credit smarts and still keep the fun in shopping. This book uses straightforward language so that everyone can understand the information, and includes many personal stories and experiences. Polly and Mava take you on a guided tour through a variety of topics and provide Smart Tips for you to utilize to improve your credit smarts. Polly A. Bauer is the co-author of the award winning book The Plastic Effect: How Urban Legends Influence the Use and Misuse of Credit Cards, with Steven Lesavich. which won a Gold Medal in the budgeting/Finance category of the 2013 Living Now Book Awards. Formerly CEO of Home Shopping Network Credit Corporation, she is the CEO of Polly Bauer & Associates, a credit card consulting company established in 1995. Polly strategically guides companies and individuals through a maze of credit card misinformation with common sense, compassion, and humor that sets her apart as an international corporate speaker, consumer advocate, and media expert. Mava K. Hefflers blue-chip professional background includes marketing, advertising, communications, branding, market research, direct marketing, sponsorship, promotion, and public relations at Fortune 500 leaders such as MasterCard International, Procter & Gamble, Johnson & Johnson, Thompson, CNBC, and EMCOR Group, Inc. With experience encompassing both domestic and international markets, Mava has expertise marketing to both consumers and businesses. Named a Brand Builder, one of the Top Women in Business To Watch, and amongst Top Marketers by the press and media, Mavas programs have received a variety of industry recognition and awards. This book may very well be the cure for the toxic connection between credit card debt and declining health. - Christiane Northrup, M.D., Author of Womens Bodies, Womens Wisdom Excellent advice from two savvy women with 60 years combined experience in the credit card industry. True credit management wisdom. Wish I could have read it when I was making credit management decisions. - Darel Rutherford, Self-made Millionaire, Author of So Why Arent You Rich? Financial worries and credit card debt sure can make you sick. Credit Intelligence has workable strategies for coping with this type of stress. - Brenda Watson, Brenda Watson Media, New York Times best-selling author, and PBS television personality Smart tips and real-life strategies for living in a material world. Credit Intelligence is sure to improve your financial health and overall well-being. Dr. Michelle Robin, Founder and Chief Wellness Officer (CWO), Your Wellness Connection healing center Its your money and its your good name. You need to protect them both. This book will show you how. Sonia Choquette, CEO, Inner Wisdom, Inc., New York Times best-selling author, and radio personality Who knew? Credit Intelligence is full of insider information about credit and the credit card marketing industry. This might be the buying manifesto for a new generation of empowered shoppers. Cory Bergeron, President and Founder, Pitch Video If youre over your credit limit, you need to steal this book. Dale Irvin, CEO, Just Imagine
Author: Kiwanis Rucker
Publisher: Kmj Publishing House
ISBN:
Category :
Languages : en
Pages : 0
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Book Description
Are you tired of living under the burden of bad credit? Do you dream of a life free from constant financial stress and limitations? Look no further! " Credit Repair Secrets: The Essential Guide to Improving Your Credit Score and Achieving Financial Success" is here to help you transform your credit and take control of your financial future. In this comprehensive guide, credit expert Kiwanis Rucker shares a wealth of knowledge and proven strategies to help you navigate the complex world of credit repair. Whether you're struggling with late payments, high debt, or a low credit score, this book will equip you with the tools you need to reclaim your financial independence. Inside " Credit Repair Secrets: The Essential Guide to Improving Your Credit Score and Achieving Financial Success," you will discover: The Fundamentals of Credit: Gain a deep understanding of credit scores, reports, and how they impact your financial well-being. Learn how lenders evaluate creditworthiness and the factors that can make or break your credit profile. Assessing Your Credit Health: Uncover the secrets to analyzing your credit report like a pro. Identify errors, inaccuracies, and discrepancies that may be dragging down your credit score and discover how to dispute them effectively. Strategies for Credit Restoration: Implement a step-by-step action plan to rebuild your credit from scratch. Explore proven techniques for managing debt, negotiating with creditors, and establishing positive financial habits that will set you up for long-term success. Credit Monitoring and Maintenance: Discover the art of maintaining healthy credit. Learn how to monitor your credit, protect yourself from identity theft, and stay on top of changes that could impact your financial standing. Advanced Techniques and Insider Tips: Unlock advanced strategies used by industry professionals to maximize your credit potential. From leveraging the power of credit cards to optimizing credit utilization, this book delves into advanced techniques that can skyrocket your credit score. No matter your current financial situation, " Credit Repair Secrets: The Essential Guide to Improving Your Credit Score and Achieving Financial Success " provides you with the knowledge and guidance needed to embark on a journey towards financial freedom. By following the expert advice and implementing the proven strategies shared in this book, you can repair your credit, rebuild your financial foundation, and open doors to new opportunities. Don't let bad credit hold you back any longer. Take control of your financial destiny today with " Credit Repair Secrets: The Essential Guide to Improving Your Credit Score and Achieving Financial Success "!
Author: Jason R. Rich
Publisher: Entrepreneur Press
ISBN: 1613082436
Category : Business & Economics
Languages : en
Pages : 999
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Book Description
Bestselling author Jason R. Rich joins forces with top credit experts and delivers an insider’s guide to credit. Revealing jaw-dropping secrets, strategies and tools, Rich and his team of industry insiders show consumers how to get out from under any credit crunch, and get back in control of their financial future. Reveals how to increase a credit score, remove incorrect and negative information from credit reports, rebuild destroyed credit, and ultimately, save hundreds, possibly thousands, of dollars every month! •Boost credit scores and overall rating •Work with collection agencies, creditors, and lenders to pay off debts and overcome past mistakes •Get the best rates on credit cards, auto loans, and mortgages and start saving •Avoid the most common financial and credit-related mistakes made by millions •Learn how to identify and avoid “credit repair” and “credit score boosting” scams •Use online solutions to better manage your finances and credit cards •And more Includes worksheets, exclusive interviews with credit experts and supplemental resources.
Author: Nick Dubay
Publisher: Hyperink Inc
ISBN: 1614646139
Category :
Languages : en
Pages : 46
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Book Description
ABOUT THE BOOK Having a good credit score will save you thousands of dollars over your lifetime as well as give you the opportunity to finance many projects and purchases that you would otherwise not have access to. Your credit score also reflects your financial sense in that many employers and corporations use it to make judgments about you. Bearing these facts in mind, it is easy to see how improving your credit score immediately improves your access to money and better interest rates. Raising your credit score is often a daunting task, at least in theory, since many people do not fully understand how a credit score is scored or what affects it, whether positively or negatively. Relax, you’ve already taken the first step in fixing your own credit — you’re reading this ebook! When it comes to your credit score, information and education are as crucial as establishing and maintaining positive financial habits. Your credit score is a snapshot of the potential risk you pose to those willing to lend you money, like a credit card company or bank. It is merely one part or factor that helps determine your eligibility for a credit card, and is not a personal judgment against you. Other factors that go into making a credit decision can include your total debt-to-income ratio, employment history, and income levels. Even looking at mortgages and home loans, the consumer has to realize just how important a factor their credit score is in getting a loan — it requires the same degree of consideration that the loan’s interest rate and terms do. Here’s a San Francisco Chronicle article that talks about just that topic. Because the world of credit scores is so murky, people often give up on even trying to understand it or trying to improve their financial positions and score. It is really quite simple to improve your score and the following pages will give you a better understanding of how to make positive changes while empowering you to build and maintain an informed position on money and your finances. There are dozens of credit score websites and products available for purchase. Some of these products promise to help raise your credit score or help you monitor your score exclusively. Know that by law you are allowed to access your credit score for free at least once per year. Also, many of the products and services being offered to you are poor substitutes for a little education and research, just like you are doing here with this ebook. There is nothing that a credit score service can do for you that you cannot already accomplish yourself with a little bit of knowledge and perseverance. You do not need to spend a dime to effectively monitor and improve your credit score. EXCERPT FROM THE BOOK The next step after requesting your credit report is to better understand what goes into your score. The accounts on your credit score can count negatively against you for seven years. This means that if you had one late payment on one card or account six years ago, your score can still be affected. But by understanding this time limit, you can also help dispute inaccurate or old information on your credit score. To learn more about disputing accounts or information, please read further. Accounts can be marked as 30, 60, 90, or 120 days late, depending on how far behind you may be in payments. The longer you are past due, the worse off your score. These accounts are past due or considered delinquent by the creditors. Accounts that are charged off are those that the creditor has decided you are unlikely to pay, and charge offs should be avoided at all costs as they can negatively affect your credit score more than being 120 days late on a payment. Here’s an excellent Forbes article about paying your bills on time, and how it affects your credit score.
