All The Money You Need

The Guerrilla Guide to Credit Repair How to Find Out Whats Wrong with Your Credit Rating and How to Fix It

User Ratings and Reviews

3 Stars Fair
This book is fair reading, but there are far better books, not to mention that its a bit outdated in material. My recommedation is buy a different book, but if you must have it will do.

1 Star Stuff and fluff
Save your money. Stuffed with appendices of legislation pertaining to credit industry. Poorly written and worse editing with mispellings and repetition.

1 Star Falls short and instills fear of credit bureaus
The main idea of this book is that credit reporting is an unfair process to consumers and more legislation is needed to regulate the industry. The authors paint a grim picture of credit agencies and leads you to believe you should be afraid of them. First of all the book is severely outdated. The book falls short due to the amount of mis-information. For example, it convinces readers that anyone that requests their credit report can obtain one; it advises that credit reports are reviewed when a person applies to college and convinces readers that credit reports are so personal that they contain information about a person’s grooming habits. LOL - come one, get serious! The book is outdated and at least half of it focuses on trying to teach readers how to manipulate the credit-reporting system to have correct data removed from a credit report. In addition, the book is full of contradictions. It claims that credit reporting is done to punish, even torment consumers and that it’s unfair, but a few pages later, the authors state that the intricate system ultimately benefits consumers. Which is it?! It also suggest readers partake in illegal activity in order to obtain a credit report like the ones creditors receive. It tells them to pose as a landlord or employer. This is illegal! Unless you’re a deadbeat with low morals, this book is not for you. I’d recommend The Insider’s Guide to Credit Repair by K.E. Varner for more useful, practical advice.

3 Stars This book should be $5.00 - its like a good pamphlet
This book was disappointing. Buying a book without being able to browse it beforehand makes it difficult to know if its what you want. If I would have been able to skim through this book prior to buying, I would not have bought it. It’s not that it’s bad, it’s just that its not what I needed or the title implied. It is not a comprehensive book at all. The title “guerrilla” makes you think it will offer unique, aggressive, insightful, strategic, or uncommonly known tactics to attack your credit repair. It absolutely fell short of that. But what it does deliver is very detailed, easy to follow understanding of BASIC information (what credit is, how to contact the bureaus, what type of letters to send, etc.) It gives you a decent strategy on how to dispute items on your CR. A huge shortcoming for this book is that 100 pages of the 200 page book was given to printing the FCRA (fair credit reporting act). Helpful but a waste. Instead of giving us some “guerrilla tactics” for 100 pages, they print the act instead. If you are really trying to repair your credit and you need real life information and real “guerrilla” tactics then you MUST prepare yourself mentally (it can get legal, psychological and emotional) and use the vast amounts of FREE information and FREE resources available online. Try joining FREE online communities/forums. Avoid people capitalizing on your despair with over-priced credit repair books, credit repair kits, pay-for services (i.e. now bankrupt AmeriDebt) or other books where gazillionaires bloviate about how rich and debt-free THEY are. Good for you. People with poor financial situations and poor credit do need inspiration but people also need practical aggressive ways to get their backs from against the wall. In conclusion, you’d be better off researching online for a few weeks, seeking FREE professional opinions, or checking out books like this one from the library.

4 Stars Sound Advice that Works but….
Updating would be a good thing with recent changes in the FCRA. I read the reviews by others before I read the material myself. Seeing that other reviewers had looked into Bill Bauer who claimed to be an expert on the topic and gave a very negative review and I saw the book was sound raised my curiousity level and I Googled him as well. I think a new book about him would make fascinating reading. Please do not take the negative reviews seriously. They have an agenda.

Buy/More Info

The Complete Credit Repair Kit with CD

This book is designed for the approximately 3,250,000 consumers who are refused credit each year because of inaccurate, incomplete or out-of-date information in their credit files; the nearly 5,500,000 consumers who have filed bankruptcy in the past five years; and those who have been damaged by money problems.

This new edition addresses one of the leading credit concerns in the last 24 months: identity theft. Its prevention is a paramount concern, not only for consumers, but for their creditors as well. Resources and preventative information are given in detail.

A complete glossary and thorough index, as well as appendices of easy-to-use, blank, tear-out forms and sample letters completes this credit repair kit. All blank forms and letters will be included on the new CD-ROM.

User Ratings and Reviews

2 Stars Very little info on disputing…
I’m now paging through the 10th book I borrowed from the library and I am once again relieved that I did not actually purchase ALL OF THESE BOOKS which basically ALL SAY THE SAME THING.

I am seeking a comprehensive, detailed and serious guide to changing/repairing my credit report. I’m trying to learn how to construct effective disputes to illegitimate information on my credit report, and some tips on cajoling companies into removing legitimate (negative) information on my credit report.

I’m not looking to understand the different types of school loans, to neatly plan or organize my budget, or to prioritize my debts. If you are, maybe this book is for you. But the whopping 9 pages on disputes left me frustrated yet again.

[STANDARD DISCLAIMER]

if you’re reading this review, you are hereby obligated to write your own. if not on this product than on another. c’mon. you know you want to. and if you don’t, you should feel obligated. every time i buy anything from coffee mugs to clothing steamers, i find myself perusing amazon to see what everyone else said about it. this is an invaluable FREE resource unlike some other websites (ahem, consumerreportsucks, ahem excuse me!) which let you use it for, like, 3 days and then start charging your credit card on a monthly basis which effectively bleeds dry anyone who’s ever just wanted to look up the damn list of good vaccum cleaners. phew.

moral of story = do your civic duty: write a review!

1 Star Not even basic enough but they try to sell you service
It is a CD with very limited explnation as what to do. it even does not have a letter for Experian ineasted it has a letter with a phone number and when I called it guess what it is a service they try to sell you. so it is more of a company advertisement rather than professional help!

5 Stars Great Book and DVD
I had some errors on my credit report and I had a collection agency harrassing me for a debt that had been paid. I read this book and sent the proper forms from the disc to the businesses involved and it solved most of my problems. You have. To read the book and you cannot remove accurate info from your credit files but this is a very complete kit that allows you to fix your credit yourself.

1 Star You’d Get More Information From a Phone Book
This book is thick with pages and thin as plastic wrap with information. Sure, there is a CD with all those ‘useful’ forms and that doesn’t make up for the fact that this book doesn’t really cover ANYTHING to depth.

I picked up a copy because a chiropractor mis-billed my insurance, never bothered to contact me and then after two years sent me to a collection agency. I used the Dispute and Verification of Agency form included on the CD which is supposed to get some information on the debt as well as validation that the agency is legit.

What I received for my trouble was a ten day demand letter. This book does not tell you what to do next if its forms and processes go any way other than as they say it should. I paid off the collection agency to keep my credit clear; In essence I paid for someone else’s mistake.

DO NOT BUY THIS STUPID BOOK. Take yourself and someone you like to Starbuck’s or Peete’s Coffee and talk about anything you like other than repairing your credit.

Just my opinion, I’d rather pay someone to do it if all the published resources are like this one. It is a complete waste of money and the time you’ll spend reading it.

3 Stars Could be better…
This book doesn’t give enough information about how and what negative items to dispute on your credit report to raise your credit score.

Buy/More Info