Improve Your Credit!
It’s generally pretty easy to fall into debt—but it can be hard to repay that money. 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.
Having bad credit can prevent you from getting a mortgage, car loan, credit card, apartment, or even a job. It can also mean paying more in rates and fees for any loans or credit you can get. This thorough, easy-to-follow manual will help you repair your credit and get the financing you deserve. Learn the practical measures to raise your credit scores and repair your credit. Credit Repair will teach 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 provides helpful tips to people with existing credit problems and can assist those who have thin credit files (not much credit history), too. You’ll learn how to build a positive credit history and establish good credit habits.
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.
Содержание
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
Об авторе
Cara O’Neill is a legal editor and writer at Nolo specializing in bankruptcy and small claims litigation. Cara authors several Nolo book titles, including How to File for Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, The New Bankruptcy, and Everybody’s Guide to Small Claims Court. She also coauthors Legal Research: How to Find and Understand the Law, The Foreclosure Survival Guide, Solve Your Money Troubles, and Credit Repair, and edits several more. Before joining Nolo, Cara practiced law for over 20 years in civil and criminal litigation, bankruptcy, and administrative law. During that time, she served as an administrative law judge, took dozens of criminal and civil cases to jury verdict, appeared before the California Court of Appeals, and taught undergraduate and graduate law courses. She earned her law degree in 1994 from the University of the Pacific, Mc George School of Law, where she served as a law journal editor and graduated as a member of the Order of the Barristers—an honor society recognizing excellence in courtroom advocacy.
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