Bad credit can prevent you from getting a mortgage, car loan, credit card, apartment, or even a job. It can also mean paying a bundle in rates and fees for any loans or credit you do get.
Use this comprehensive how-to manual to rebuild bad credit and protect improved credit. Learn how to:
reduce expenses
create a workable budget
negotiate with creditors
improve your credit score, and
protect yourself against identity theft
Spis treści
Your Credit Repair Companion
1. The Elements of Repairing Credit
2. Credit Reports and Credit Scores: The Nuts and Bolts
3. The First Step?Cleaning Up Your Credit Report
4. Assess Your Financial Situation
5. Reducing Current Expenses and Debts
6. Reducing Your Mortgage Debt
7. Reducing Debt Through Bankruptcy
8. Finding Money to Pay Your Debts
9. Negotiating With Creditors and Collection Agencies
10. Getting Help to Negotiate and Manage Debts
11. Building Positive Credit History
12. Choosing and Using Credit and Debit Cards
13. 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
O autorze
Amy Loftsgordon has worked in the area of foreclosure and debt collection for over ten years. Her broad experience includes helping people fight collection actions and enforcing debtors’ rights under the Fair Debt Collection Practices Act. As part of a national settlement involving the mortgage industry, she has also reviewed servicer records to uncover extensive credit reporting errors.
Amy received a B.A. from the University of Southern California and a law degree from the University of Denver Sturm College of Law. She is licensed to practice law in Colorado. Amy has authored numerous foreclosure, debt, and real estate articles on Nolo.com and updated the last edition of Nolo’s The Foreclosure Survival Guide.
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