Bad credit can get better
A bad credit report can prevent you from getting a mortgage, car loan, credit card, apartment, or even a job. The sensible strategies in Credit Repair help you take control of your finances, clean up your credit report and rebuild your credit. Learn how to:
- prioritize debts and create a budget
- reduce debts and cut expenses
- negotiate with creditors
- correct credit report errors and remove old information
- add positive information to your credit report
- adopt strategies to rebuild your credit, and
- avoid identity theft and credit repair scams.
Updates to the 14th edition of Credit Repair include the new FICO scoring system and federal CARES Act credit reporting guidelines, changes to credit freeze and fraud alert laws, the availability of additional free credit reports during the pandemic, and more.
With downloadable forms: Get forms, worksheets, and sample letters—to help you handle debts, clean up your credit, and avoid overspending (details inside).
Table of Content
Your Credit Repair Companion
1. The Elements of Repairing Credit
2. Credit Reports and Credit Scores: The Nuts and Bolts
3. The First Step to a Better Credit Score—Cleaning Up Your Credit Report
4. Assess Your Financial Situation
5. Reducing Current Expenses and Debts
6. Finding Money to Pay Your Debts
7. Negotiating With Creditors and Debt Collectors
8. Getting Help to Negotiate and Manage Debts
9. Building Positive Credit History
10. Choosing and Using Credit Cards
11.Avoiding and Dealing With Identity Theft
Appendixes
A. Resources
B. Forms and Letters
C. Additional State Protections Concerning
D. How to Use the Forms
Index
About the author
Cara O’Neill is a bankruptcy and litigation attorney in Northern California and a legal editor and writer with Nolo. Before joining Nolo, she practiced in the area of criminal and civil litigation, and bankruptcy. She also served as an administrative law judge, and taught law courses as an adjunct professor. In 1994, she received her law degree from the University of the Pacific, Mc George School, graduating Order of the Barristers—an honor society recognizing excellence in courtroom advocacy. Cara has edited, authored, and coauthored several Nolo books, including How to File for Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, The New Bankruptcy, and Solve Your Money Troubles.
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