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The Insiders Guide to Credit Repair

Inside Secrets from a Credit Industry Professional

There are a plethora of books out there promising to show consumers how to repair their credit. There is only one that explains how to establish credit, how to maintain and manage it, and, yes, how to fix it when it’s broken— The Insider’s Guide to Credit Repair.

This much-needed book is current, cohesive, and thorough. It begins with the basics-defining credit, explaining its value to consumers and businesses, and introducing the key parties that keep the process successfully operating—but then covers more complex topics, including credit laws, credit scoring, credit repair and identity theft. Most noteworthy and helpful are the short quizzes after each chapter, a comprehensive glossary, and a wide variety of sample letters.

The Insider’s Guide to Credit Repair is an engaging and thought-provoking discussion of consumer credit from an insider’s perspective—the author is a former instructor for one of the national credit-reporting agencies. The scope of the material is as vast as the author’s industry experience, accommodating the beginner trying to establish credit for the first time and more experienced consumers seeking greater knowledge of all aspects of credit.

K.E. Varner is a former instructor of customer-service personnel for Equifax, one of the three major credit-reporting agencies. During his tenure, he functioned as a subject matter expert in a number of high-level business projects, appeared in Federal court to help resolve consumer/credit-reporting agency conflict, and facilitated credit industry information to organizations such as the Atlanta Housing Authority.

User Ratings and Reviews

5 Stars Excellent Book
I found this book very helpful and honest. It builds upon knowledge that you may already have on credit repair, and is a great resource for someone just tackling their credit.

5 Stars Very well written and informative
I’ve read many books on credit and this is one of the better ones. I like the fact that you can read what applies to you if you choose. You don’t have to read the entire book from front to back but i’d recommend it for complete understanding.

It’s very easy to follow, up-to-date, comprehensive. Highlights- a great chapter on credit scoring and improving your score; a good section on finding a good credit counselor; establishing and re-establishing credit, negotiating with collectors and I liked the tests after each chapter. The only thing I would have like more of is some negotiating tips but overall it’s good.

I’d recommend Liz Weston’s Your Credit Score as well.

5 Stars Complete Understanding
This book is definately informative. It not only helps you understand ways to repair your credit, but gives you knowledge of how to make responsible decisions in using credit. It covers every aspect of credit from the major players, credit scores, and how to reestablish and establish credit.

5 Stars Great Book-very informative
This book is a must read!! If you know anyone that has credit or financial issues, teenagers about to graduate from HS and college age kids-this would be a great gift for any occasion. Kids need to be informed now before they go out and start opening credit accounts they will later regret. They need to be educated on how to establish and maintain a great credit rating. Parents can use this as a guide. Buy it and read it for yourself. I am happy I have this book and look forward to sharing it and all that I have learned from it.

5 Stars This Is The Only Credit Guide You Need
I read this book and was amazed by the amount of information it gave. This author hits every area of credit that people need help with. Everything from credit scores to id theft is covered here and in great detail. It even gives little quizes at the end of each chapter to help you retain the info. The best part is that the chapters are so well segmented that you can just flip to the area you need help with and go from there.

This book by far is the best credit guide out there today. The ones I’ve read in the past just touch on certain things here and there, but this author really gives you what you need. I’m buying copies for each of my college children. It is highly recommended!

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Credit Repair Made Easy for Small Business Owners Book and 4 CDs

CREDIT REPAIR MADE EASY for SMALL BUSINESS OWNERS!
By Mervin Evans -Author of the VENTURE CAPITAL MADE EASY
3 AUDIOCASSETTES
80 Page Workbook
COPYRIGHT 2003

Do you want to Re-Establish your AAA+ Credit Rating?

Within 30-60 days you can restore your AAA+ Personal Credit Rating! Presented by Mervin Evans, one of America’s leading experts in the industry, Credit Repair Made Easy for Small Business Owners! will teach you methods to restore your credit profile.

Credit Repair Made Easy for Small Business Owners! provides the user all of the resources needed to respond to any problem on your credit report.

You will find Merv’s presentation style refreshing. The methods are proven and very powerful tools to locate capital

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CASE MANAGEMENT WORKBOOK for victims of ID theft and fraud

The WORKBOOK “shows” users what to do. It’s a clear, simple and concise framework. It’s extensive, designed to handle any form their case might take, big enough to do all they need to do. It guides them through the recovery process, organizes their case, helps them cover all the bases, records what they’ve done and when. It’s a reference for contacts and phone numbers, a time and expense log, a resource for agencies that really help. And it uses the approach that works well with creditors to simplify getting fraudulent debts discharged.

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The Credit Secrets Bible

Credit Repair and Bankruptcy Are Just About Illegal! Only 1 out of every 5 Bankruptcies is a Chapter 7 Bankruptcy, Debt Forgiveness. 4 out of every 5 are forced into Chapter 13! Commonly referred to as Debtors Prison! You Will Have To Repay Your Entire Debt! Don’t let this happen to YOU! How can you prevent it? You need the Credit Secrets Bible - All new for 2007, The Credit Secrets Bible (CSB). Plagued by Bankruptcy? Debt? Credit Problems? Could you use a $5,000 Card with no Credit Check? Low (Fico) Credit Score keeping you out of that car or home? You have come to the place that has all the answers and teaches you how to unlock the secrets of the credit system. What if you already filed Bankruptcy? No Sweat! The CSB is packed full of the information you’ll need to rebuild your credit and your Fico score at warp speed! Bankruptcy? Bills? Job Loss? Divorce? Tired of fighting the CREDIT BATTLE? You can stop fighting the Credit Reporting Agencies and make them WORK for YOU! This information CAN and WILL change YOUR CREDIT LIFE! Everything you ever wanted to know about Credit Repair and Bankruptcy but were afraid to ask. The CSB exposes the secrets behind the credit system. The same secrets the government, the banks, and the credit card companies don’t want you to know. Credit repair clinics and attorneys can charge hundreds even thousands of dollars for the techniques discussed in the CSB. The same techniques you can use yourself to avoid bankruptcy and repair your credit. This educational guide is one of the most comprehensive publications ever compiled in helping you get, keep and repair your credit. Even if you have already filed bankruptcy, this publication can guide you in re-establishing your credit rating. Includes The Audio Companion CD - Listen to this education publication while you drive to work or in the comfort of your home.

User Ratings and Reviews

1 Star no respones no product
i never received my product and the seller replied to none of my emails.

i dont recomend you do not do business with this seller

3 Stars ho hum
I brought this book but it did not really tell me anything that I did not already know. They have a number that you can call to get a credit card. The card is supposed to help your credit rating and as I understood it, not one to use just to have on your credit report. I called the number they gave several times and there is a recording like a radio show, basically what is on the CD. You sit there for 30 minutes listen to this stuff all over again and then get disconnected. The promise of this card to increase your credit rating is a bunch of crock.

I think this was a waste of money. I should have taken the money I paid for this and put it on one of my cards. LOL

4 Stars Secrets are revealed…
Secrets are revealed in the Credit Secrets Bible. I was worried this was going to be another waste of time credit scam, but decided to take the chance and bought the book. I am glad that I did. Yes, they do try to sell you more things in the book, but hey isn’t that what good marketing is all about? For me it had some really good tips and strategies for repairing one’s credit. I have put the tips to use and to my wonderful surprise I just received a letter from Equifax saying they have deleted one of my items on my credit report. I have a ways to go but at least now I know that I am headed in the right direction! The only reason I did not give the book 5 stars is one of the things they try to sell you on is more credit secrets that are even better than the ones in this book. I think they should have been included in the book.

5 Stars credit bible
this book is worth every single penny I’ve gained a wealth of information from this book.

5 Stars SkillsThatClick.com endorses
I read this book and was amazed by the amount of information it gave. This author hits every area of credit that people need help with. Everything from credit scores to id theft is covered here and in great detail.

This book is one of the best credit guide out there today. The ones I’ve read in the past just touch on certain things here and there, but this author really gives you what you need. I’m buying copies to pass out to others that could use this information. It is highly recommended!

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Credit After Bankruptcy A Step By Step Action Plan to Quick and Lasting Recovery after Personal Bankruptcy

A step-by-step action plan to quick and lasting recovery after personal bankruptcy. Indexed.

User Ratings and Reviews

1 Star useless
The book is outdated - - aside from that, it is more about the writings of the new testament then it is about the recovering from bankruptcy and how to move forward in a world that revolves around your credit history.

1 Star What about the Seminars?
It’s no big deal if you buy Mr. Snyder’s book, but before you go further, and pay someone for credit repair services, check out Disciplinary Board of the Supreme Court of North Dakota vs. McCray, 2008 ND 162. It’s available online.

Be aware, credit repair organizations can’t do anything for you that you can’t do yourself. They are not supposed to charge you before they do the work on your behalf. There’s a whole laundry list of stuff they’re supposed to tell you. Check out the Federal Trade Commission’s website at ftc.gov for more information. If a credit bureau won’t take off negative but inaccurate information after you’ve sent a written dispute, I suggest you obtain a referral to an attorney who is a member of the National Association of Consumer Advocates.

1 Star Sexist, out of touch and downright weird
This is one of the most strange books I have read. The author is sexist and out of touch with modern society. He differentiates betweeen “men’s work” and “women’s work”, pushes religion, and among his 32 ways to cut living expenses he recommends finding new homes for your pets and other strange suggestions (like not sending Christmas cards but writing more letters throughout the year). I also find it alarming how he touts leasing cars, and he apparently does it quite often as he speaks of his third car, his wife’s fourth car, etc. Why not just buy a decent used car and pay for the upkeep? Really bizarre and a complete waste of time. Like another reviewer mentioned, there is much more complete and up to date information available all over the web. Also, try your local non-profit credit counseling office, they generally offer free classes and educational material.

5 Stars Steven Snyder’s system was very helpful for me
I declared in 2002 and was devastated. I’m sure everyone is but my morale and my sense of security were rotten. I had just moved to a new city on the other coast and strolling through unusually small bookshops, I came across the first edition of this book. It was illuminating to me, someone who had no credit education at all. I wish I read it before and I’d never have needed it later. But the real clincher came when I went to his seminar, freely offered. I was somewhat suspicious but after going there I left with real hope. I signed up for his regular email bulletin and I’ve participated in 1 phone conference since then. He has dedicated himself to the postbankruptcy recovery period and keeps current. So even if his own bankruptcy was a long time ago, his information keeps being upgraded. His dynamic personality ensures that he has connections and so you will be able to find lenders to help you during the difficult period of no credit to bad credit to mediocre etc. He has contacts and they respect him, so that coming to them through Steven shows them you are a better risk, someone who is trying to do things properly. Knowing that I could get a car, while mine was rapidly falling apart, was a huge relief. The second edition of this book was not as exciting to me, since I’ve learned much more since then. It is not fair to evaluate it. I wish it had more of a directory, with names and numbers etc., which he gives you at the seminar. But since his seminars focus on specific geographic areas, it is easier than say keeping the entire USA in one place. I get the limitations. So, my 5 score rating is for the whole package. I don’t know how someone new to the process would feel reading the book but it gives you hope, tips, and a simple plan to follow that will help you. Now if you can’t or won’t follow them, that is another story and discovering why will probably help you lots. The other thing is it presumes a drive that many people may not have. You have to have a certain personality to be willing to go out there and advocate for yourself and not just be feeble and submissive but to keep your head up, not give up when you hear “no”, and keep on going till you get “yes”. That isn’t for everyone. In some cases, it may not be feasible if you live in a small town. Your options are limited. But in this day and age of internet, maybe it isn’t so limiting. Anyway, there is no cookie cutter approach and you have to adapt these principles to fit your needs. And the religious stuff is so innoccuous. I hate when people preach to me but it is really inoffensive. Every spiritual tradition believes in the idea that if you give, you will get. And it is very true. The money we waste can turn into positive karma if we mindfully donate a portion of it to a worthy cause. And mindfulness about money can only be helpful for the recovering person.

1 Star The Book Is Actually An Ad For His $497 Course
This book is FULL of commercials but void of any specific information you can apply to your life. His advice on everything from getting credit cards, auto loans, installment loans, mortgages, what ever, is to research everything out there and interview every loan officer, credit mangager etc out there, and find the best deal.

This book, his internet site, and his “free” seminar are all in effect teases to get you to buy his “Increase Your Credit Scores - Improve Your Lifestyle” course which costs $497. Presumably, some actually utilizable information is in that.

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My First Million Essential Credit Repair Tips from One of the Worlds Youngest Millionaires MY 1ST MILLION

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The Gurus Get More Biz Success Principles and Inner Game for Credit Repair Kits On line Businesses 3 Course Pack

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50 Ways to Protect Your Identity and Your Credit Everything You Need to Know About Identity Theft Credit Cards Credit Repair and Credit Reports

The world of credit is fraught with peril. First, there’s the enormous and growing risk of identity theft, which victimized nearly 10 million Americans in 2003 alone. But the quieter risks are just as real: inaccurate credit reports that drive up your interest rates or prevent you from getting loans, fine print in credit agreements that can cost you hundreds or even thousands of dollars, ‘credit repair’ services that only make matters worse. In 25 Ways to Protect Your Identity and Your Credit, consumer finance expert and nationally syndicated radio host Steve Weisman tells you exactly what to watch out for, and how to keep credit disasters from happening to you. Writing in plain English, Weisman reveals how criminals gain access to your credit, bank, or brokerage accounts, open new accounts and take out loans in your name, and how to use the law, technology, and common sense to protect yourself. You’ll learn how to recognize ‘phishing’ scams and dishonest credit counselors, how to understand and eliminate the hidden costs of credit, and much more. Weisman’s checklists tell you what to do right now, before you’re victimized. And if you’ve already been attacked, Weisman presents step-by-step techniques, form letters, and affidavits you can use to help restore your credit — and your good name.

User Ratings and Reviews

4 Stars Good reasonable information
Level headed approach to handle a problem that could be desaterous.

The book is easy to read and follow the steps for protection from and recovery of damaged credit.

5 Stars A Home Security System
This is not the feel good book of the summer, it almost scares the pants off of you given the many different ways faceless criminals can rudely interrupt your life with identity theft. This book details out many of the identity theft scams that are prevalent today. It shows you, maybe in a way that is a touch over the top, just how vulnerable you are. On the positive side it also gives you the tools to fight back and the steps you can take to protect yourself. It also instructs you on what you can do if you become an identity theft victim. The book details out how the world of credit operates and your rights and responsibilities.

The current world we live in enables us to be discriminated against in the credit world because of our age, gender or marital status. The privacy of our financial information may be compromised and is so widely disseminated that it is making it more and more vulnerable to identity theft all the time. That is why this book is important, it gives the reader some tools to help us remain safe or at least less vulnerable. Overall the author gives the reader a number of useful and well described tips for how to keep as safe as possible and how to fix problems if they come up. It is a bit on the dramatic side, but if you are a victim of this type of crime then the descriptions are probably right on the mark.

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Credit Repair Rip Off How To Avoid The Scams And Do It Yourself

Many people in financial distress have been lured by advertisements implying that bad credit can be magically erased, only to end up deeper in debt than ever. This expose is Bob Hammond’s attempt to put an end to that by revealing the truth about the credit repair scams and empowering consumers to help themselves.

User Ratings and Reviews

1 Star Poor and outdated advise.
First off this book was published in 1994. The laws and regulations have completely changed over the years. Plus after reading, what you dont realize is that most states have different laws as well. I tried to do it on my own and while I was able to get a few things off, they popped right back on a few months later. After looking into many “rip-off” credit repair agencies, I found RMCN Credit Services, Inc. Not only were the legitimate and Registered with the state, but they got 70-90% of my bad credit deleted permanently. Now I live with great credit again and I owe it all to Nikki Harris and RMCN. I would suggest that anyone interested in buying this book, to give them a call instead.

4 Stars Perhaps one of the best books written on the subject
A lot of the “Repair Your Own Credit” books out there are not very helpful. Some of them tell you nothing you didn’t already know… Not this one! This is one of the more useful Credit Advice books available on the market. It gives the background of several fraudulant “Credit Repair” firms, info on how to spot a scam, inside look on how the credit bureaus work, and things you can do to correct and “polish” your credit. I would recommend this book to anyone before paying a credit repair/credit counseling company.

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The Complete Guide to Credit Repair for the Homebuyer

This instructional tool provides step-by-step credit repair guidance for the potential home purchaser. The homeowner-to-be is advised not only how and where to locate his/her credit report, but also how to remove any blemishes from the report, whether they are the result of poor credit performance or due to credit reporting inaccuracies. The reader will also learn how mortgage lenders formulate their credit scoring systems to determine whether a prospect is creditworthy, and what his/her legal rights are under such scoring systems. A copy of the Fair Credit Reporting Act (FCRA) is included for the reader to review and use as a reference. The FCRA was designed to protect consumers against inaccurate and unfair descriptions of their credit history. Sample letters to credit bureaus and creditors are included also on a 3.5 floppy diskette for the reader to use as he/she follows the steps.

User Ratings and Reviews

1 Star WARNING: Here’s Another Credit Repair Rip-Off
“The Complete Guide to Credit Repair” would more accurately be titled: “A Complete Waste of Money.”

Of its 128 pages, only the first 14 pages of the book attempt to offer any advice (and very basic advice, at that). The remainder of the book is comprised of the bare text of the Fair Credit Reporting Act (68 pages), a glossary of common real estate terms (14 pages), and three sets of sample dispute letters that are also contained on the enclosed diskette.

For some reason (presumably to waste paper), the authors felt compelled to produce a different set of dispute letters for each of the three major credit bureaus, even though the ONLY difference among these sets is the name and address of the recipient. And, although the authors advise the reader to send those letters via registered mail, return receipt requested, two sets of letters are addressed to post office boxes, where nobody can sign for the letters! (Incredibly, the third set of letters doesn’t show ANY address; instead, the address lines are “X”ed out!)

Mortgage Originator Magazine, which publishes the book, ought to know something about the impact of negative credit on a borrower’s eligiblity for mortgage financing. While the book offers some insight into the mechanics of conventional loans, however, the authors say NOTHING about the less stringent credit requirements available with federally-insured mortgage loans, an appalling omission!

Moreover, the authors are completely silent about other credit repair options available outside of the provisions of the Fair Credit Reporting Act. Nothing is said about any of the other federal consumer protection laws (e.g., the Fair Debt Collection Practices Act, the Truth-in-Lending Act, or the Fair Credit Billing Act). Nor do the authors offer any advice for negotiating with creditors or debt collectors.

While shamelessly purporting to be a “complete guide” offering “comprehensive solutions to credit problems,” this book is just a brief introduction to credit repair supplemented by information that is readily available elsewhere. The reader would be better off saving $18.00 and buying “The Fix Your Credit Workbook” by Todd Bierman and David Masten, which provides far more comprehensive information and much sounder advice.

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