All The Money You Need

The Credit Repair Kit

For the approximately three million consumers who are refused credit each year because of inaccurate, incomplete or out-of-date information in their credit files; the nearly four million who have filed for bankruptcy in the past five years; and those whose credit has been damaged by money troubles, The Credit Repair Kit offers the information needed to correct and rebuild credit histories.

User Ratings and Reviews

4 Stars Info all in one place — very educational
I found this book to be very useful when I was preparing to buy my first house. It explains everything about credit reporting and I picked up a lot of valuable (and interesting) tips (sprinkled liberally throughout the book are boxes containing “Hot Tip”s). Good examples of sample credit reports help you understand how to read yours closely. Sure, a lot of this information can be found free by searching the internet, but it’s handy to have it all in one place, for browsing and study.

3 Stars Good Book If…………
This is a good book if you do not know much about credit, credit reports, The big 3 and how they effect your life.
However, I bought this book for credit repair and there about 20 pages on how to repair credit. For me the book could have been smaller.
If, on the other hand, you have never seen your credit report, don’t know much about the big 3, don’t know how credit works or how to “divorce-proof” your credit, then this is the book for you.

5 Stars Worth Buying
This book helped me understand my credit record and my federal credit record rights and how to correct problems in it. It was really helpful to me after I had experienced some money troubles. I have loaned it to some friends and they benefited from it too. The author, who is a bankruptcy attorney knows what he is talking about.

3 Stars Pretty good book as far as letters, but times have changed.
Very complete as far as the approach to the “classic method” of credit repair but leaves out important methods like debt validation and disputing information on line. - Kristy Welsh, author of “Good Credit is Sexy”.

2 Stars Don’t waste your money
This book contains information that you can get free in the internet. It outlines your rights for you, gives information about the credit bureau but that’s about it. Most of the book does not even directly address credit repair but acquiring credit and keeping good credit–these are of course helpful but not if your immediate concern is credit repair. The only saving grace this book has is its discussion about credit repair companies but then again this information is also on the web. If you have a few hours and would like to save money go on the internet for free resources before buying this book.

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The Credit Repair Handbook Everything You Need to Know to Maintain Rebuild and Protect Your Credit

Every year, millions of people find themselves in a financial predicament—unable to qualify for a mortgage or a school loan, get hired for a job, or realize their family’s financial and life goals—all because they have poor credit due to medical bills, overspending, or identity theft. Others are faced with lower credit limits and higher fees and interest rates, which can compound already difficult financial situations. 

In The Credit Repair Handbook, trusted consumer debt and bankruptcy expert John Ventura counsels readers on how to identify problems with their credit, rebuild their credit histories and boost their credit scores, and protect their credit from identity thieves. Comprehensive, thorough, and up-to-date, this is the only guide readers will need to get their financial lives back on track.

• Learn what your credit reports say about you—and how that information affects your life 
• Rebuild your credit after serious money troubles
• Raise your credit score
• Avoid credit-repair scams
• Protect your good credit against identity theft

User Ratings and Reviews

5 Stars The Credit Handbook Changed My Life!
After years of struggling with bad credit I finally found my savior, The Credit Handbook! It also helped me repair the damage from when my identity was stolen. Thanks to The Credit Handbook, I no longer live in a desperate sea of debt and I am currently in the process of buying my first house!

2 Stars not very helpful
This is for basic beginners, but if you have serious credit issues then this will not help you.

5 Stars A fundamentally necessary addition to all community library Money & Finance reference collections.
The ability to borrow money at reasonable rates of interest is a critically important aspect of personal finance and fiscal well-being. Millions of people, ever year, find themselves blocked from pursuing their personal financial goals because of a bad credit history resulting in low credit scores. This can handicap them in many unexpected ways including being denied a job or being turned down for insurance. A bad credit record occur through the non-payment of debt, but also from such unforeseen circumstances as being the victim of an identity theft, divorce, medical bills, and job loss. A bankruptcy attorney and Director of the Texas Consumer Complain Center at the University of Houston Law School, John Ventura writes with a very special expertise as he offers the reader germane and accessible information and advice for understanding what a credit history is and how it affects people; how to correct problems in a credit history; how to qualify for new credit after experiencing severe financial difficulty; how to raise a credit score; the imperative necessity of avoiding credit-repair scams; as well as how to protect against identity theft and minimize its effect. Of special note is what Ventura has to advise about avoiding future money trouble. Practical, ‘user friendly’, comprehensive, and immediately applicable, “The Credit Repair Handbook” should be considered a critically important instructional reference for anyone having difficulty with their own credit history — and a fundamentally necessary addition to all community library Money & Finance reference collections.

5 Stars Good Advice
The Credit Repair Handbook: Everything You Need to Know to Maintain, Rebuild, and Protect Your Credit was incredibly helpful to me and such a great price!

I am a student about to graduate with tons of debt and was looking for a little help. This book showed me how to balance my debts and build my credit. Mr. Ventura really explained the credit building process to me in a way I could easily understand and also apply. The solutions are things I can actually do!

This is a book I recommend to anyone no matter their debt situation. I love having this book in my house to use as a reference, whenever I need answers. I also really enjoyed Beating the Paycheck to Paycheck Blues by John Ventura. Both are MUST haves!

5 Stars Money trouble? Don’t understand your credit report? Been a victim of identity theft? Want to raise your credit score?
I initially purchased this book after reading about it in the USA Today. John Ventura, an attorney with nearly 30 years of practice, wrote this book in plain English and broke down the art of credit repair to the basic components.

I knew little to nothing about my credit score. I couldn’t make any sense of my credit history. I had no idea if I had “good credit” or “bad credit.” All I knew is that I could not get a loan. But why?

Ventura’s book explains the process of building credit, correcting problems in your credit history, starting new, and avoiding future problems.

My problem? I had not built enough credit. Even so, I learned a great deal about the value of protecting against identity theft and even how to rebuild my credit if I encounter serious financial troubles.

This is a must read for anyone. Whether you have never owned a single credit card, or you have thousands in debt, this book breaks down the problems and explains the solutions. This book really tells you everything you need to know!!!

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