Improve Your Credit!
It’s generally pretty easy to fall into debt—but it can be hard to pay that money back. Unfortunately, the consequences of mounting debt, like delinquent bill payments, defaults, lawsuits, repossessions, foreclosures, and bankruptcy, eventually find their way into your credit reports and damage your credit scores. If you find yourself in a bad credit situation, this book will help you take practical measures to raise your credit scores and repair your credit. This book teaches you how to increase your scores by taking simple steps such as removing erroneous information from your credit reports and paying down high loan balances. Readers will also learn how to protect their credit by budgeting, avoiding problems with credit cards, and steering clear of identity theft.
This book not only provides helpful tips to people with existing credit problems but can assist those who have thin credit files (not much credit history), too. Don’t wait to take action.Credit Repair will give you the tools you need to develop a plan to improve your credit, including strategies and useful information about the process involved in repairing or building your credit.
Table des matières
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
A propos de l’auteur
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. 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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