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How to Repair Your Credit Score Now Simple No Cost Methods You Can Put to Use Today

Your credit score affects every aspect of your financial life including qualifying for loans and mortgages, low interest rates, housing, employment opportunities, and even insurance premiums. Millions of Americans have negative, inaccurate, and unverifiable information on their credit report. Repairing your credit profile is one of the most important financial decisions you can make. You re about to take the important step of taking control of your credit! If you re like the average American, having improved credit will save you thousands of dollars on your loans and credit cards. You do not need a credit repair clinic. Save the money. Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost using the plan in this new book. There are federal laws in place to make sure that you can repair problems on your credit report and increase your credit score. These laws are found in the Fair Credit Reporting Act. This book will show you how to use your legal rights to increase your credit score. You will learn how to remove questionable items from YOUR credit reports, including: late payments, collections, judgments, liens, charge offs, bankruptcies, foreclosures, repossessions, and identity fraud. This new book will be your road map to credit repair information, and give you tips on how to maintain a stronger credit profile, repair bad credit, improve credit scores, and correct personal information.

User Ratings and Reviews

4 Stars Credit Laws revealed
This book is very easy to comprehend and an easy read. I applied some of the techniques, written here,the day after I opened it.. This seller also cares the customer. I had an overall great experience dealing with the seller and the author(s) of this book is dead-on point also. No need for average citizens to buy other expensive credit repair gimmicks,this book guides one into performing many of their own tasks to repairing credit scores and ratings.

5 Stars Good source to get back on track
I wish I had this book a few years ago. It would have saved me from a few problems I could have easily avoided, even though I thought I was Mr. Know-it-All when it came to credit and debt.

It gives you the low-down on how credit scores are figured out, the agencies that do the reporting and how you can be in trouble based on the number of accounts you have, collection actions against you, past due payments and delinquent accounts.

OK, so you’re faced with mounting debt. Relax. You can get back in the game by determining what is causing your growing money problems. The author explains in detail how to use debt-to-income ratio calculations to lower your debt in your monthly budget while including necessary savings in those budgets, as well as using credit counselors, negotiating a payment plan with creditors and other helpful methods.

The book points out how to open safe accounts that will show potential creditors you can pay your bills and save money, and how you can correct inaccuracies in your credit information.

Burrell details the different types of cards and loans to look for in order to maintain a good credit rating on your path to recovery. The more you understand credit, the better you are able to take advantage of the options available, the author explains.

5 Stars Excellent Resource for Building, Maintaining, and Protecting Your Credit
If you’re like me, you’re familiar with credit reports and maybe even FICO scores. But, if you’re like me, you don’t know the difference between a credit report and a credit file. You don’t know exactly how credit scores are calculated. And you don’t know about all the other types of credit collecting and reporting vehicles used to decide whether or not you get the job or medical coverage you applied for. How to Repair Your Credit Score Now provides the answers to these and many other credit-related questions you may not even know to ask.

Burrell’s depth of research is impressive. Each chapter, from “What is a Credit Score?” to “Maintaining Good Credit” provides clear, detailed explanations that make it easy to understand credit and how it impacts us. And perhaps more important, they provide the steps and resources to take an active role in building, maintaining, and protecting our credit. For example, Chapter 3, “Credit Scoring Models,” explains exactly how credit scores are calculated, and Chapter 5, “Repairing Bad Credit,” dispels the myths and scams some debt `repair’ agencies use and provides real, concrete actions consumers can take to minimize damage from bad credit.

Throughout How to Repair Your Credit Score Now, Burrell provides illustrative charts, resource contact information, and sample letters to assist you in building, monitoring, disputing, and protecting your credit information. It is an invaluable resource for any one wishing to take an active role in understanding and protecting their credit.

5 Stars If You’re Serious About Fixing Your Credit, This Book’s For You!
Jamaine Burrell’s comprehensive work provides a fundamental understanding, building, and repairing your credit score. Have you ever wondered why you receive copious amounts of credit card solicitations in the mail? Why you can’t qualify for a car loan or a mortgage? If so, then Burrell’s book is the one for you.

In the simplest of terms, your credit score dictates a great deal of your financial future - the higher your score, the better your credit. Burrell begins by explaining the elements used to calculate your credit score and then how to go about manipulating those elements to your favor. The emphasis of Burrell’s book is the importance of maintaining and monitoring your credit score, that, and understanding that there are several sources that provide credit scores including FICO, the Fair Credit Reporting Act, and the Fair and Accurate Transaction Act. Credit scores are then differentiated into either standard credit reports or investigative credit reports.

In general, credit reports can be sold to creditors, lenders, and other business entities, as well as accessed online. Burrell also covers the areas that credit reports can legitimately be used for including the following: medical information; rental agreements; tenant screening; and employment histories. If your credit score needs to be fixed, Burrell’s book provides helpful ways to identify building up your credit as well as methods that won’t help. Additionally, these useful pieces of advice include how marriage, divorce, and/or the death of a spouse will impact your credit.

Through Burrell’s solid research and her ability to connect with the reader, she manages to tutor you in the tangled was of identifying credit professionals to assist you with any of your issues, preventing identify theft, and handling bankruptcy, if necessary. This book provides an excellent resource for people to begin learning about credit and preventing future mistakes or for those currently embroiled in credit problems to hopefully extricate themselves as painlessly as possible.

5 Stars An important guide for any who would navigate the uncertain world of consumer credit.
HOW TO REPAIR YOUR CREDIT SCORE NOW: SIMPLE NO COST METHODS YOU CAN PUT TO USE TODAY offers detailed insights into the entire realm of how consumer credit works, making it a top pick for any public library general-interest collection. Here are chapters covering the basics how to not only understand the consumer credit system, but how to repair broken credit, save thousands on loans, handle questionable items on credit reports, repair bad credit, and more. An important guide for any who would navigate the uncertain world of consumer credit.

Diane C. Donovan

California Bookwatch

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Credit Repair Made Simple

Credit Repair Made Simple provides the reader with the secrets bankers and credit bureaus have known for years. The factors that influence your credit profile that is used in evaluating loan applications. This book exposes all the known factors used in determining a person’s credit score and offers tips the reader can use to enhance one’s credit profile.

User Ratings and Reviews

5 Stars What a nice book
I just wanted to say that Mr. Eichhorn wrote a nice book. He is obviously an expert in his field. An easy to understand book.

A Very knowledgeable author who helped me with my credit. Thanks

1 Star Just Awful - Negative Stars
Except for one excellent section on settling old debts and negotiating to get them taken off your credit report, this “book” is a piece of crap, to not put too fine a point on it.

There are a number of points I want to make about this “book.”

The author says “if you have credit lines open that you have not used in a while and have no intention of using then it may be wise to close those accounts.” No, no, no, no, no, a thousand times NO! The longer your credit history, the higher your score. Don’t close old accounts! He is completely wrong here.

He spends almost no time on rebuilding your credit, an essential part of credit repair! He writes maybe 1? pages on the subject, and here is what he recommends: get a secured credit card, use credit cards only in an emergency, get department store credit cards then max them out and return the items later so it shows you used a lot of credit and paid the account satisfactorily (sleazy!), and save $1,000 then deposit it in a bank and apply for a passbook loan. Is any of that advice even slightly original? Ummmm, no. Not a bit.

I am amazed at the nerve of some authors - like this guy Brian Eichorn - and publishers who charge ten or twenty bucks for a 50-page booklet (they call it a “book,” but it doesn’t really qualify to be called that) which contains only the most cursory of information, or twenty-five bucks for a hundreds-page long behemoth stuffed with things you will never read or don’t need. For instance, this Credit Repair Made Simple book is 126 pages long, although pages 124, 125, and 126 are blank - as are a number of other numbered pages throughout the book. It has only 56 pages of what can charitably be called content, although nine of those 56 pages are either completely blank or are half-pages, pages 58-68 are simple credit repair letters anyone can write, and pages 69-123 are copies of the Fair Credit Reporting Act and Credit Repair Organizations Act that the author obviously downloaded from the web and shamelessly stuffed into the back of the book to up the page count. Its riddled with grammatical errors, misplaced punctuation, and run-on sentences; its like the first draft of a report from a high school student.

There is some justice in the world, though - there are no blurbs on the book.

Still its amazing to me that almost all of these crappy credit repair books have blurbs - those quotes on the front and back cover and on the first few inside pages from supposedly knowledgeable (or famous) people that attempt to convince you to buy the book and which lead you to believe that these often dull (or just plain bad) books are great. I am left to wonder if the blurber (not a real word, but it works here, doncha think?) actually read the book and, if so, just what the heck they were thinking. Did the author have pictures of them having sex with a goat? The blurbs make the book sound great, but you read the thing and you’re left wondering what they had been smoking when they wrote the blurb (although, I am told, some blurbers don’t even write their own blurb, allowing the publisher to do that for them), not to mention what possessed the author to think she or he had written a publishable book and the publisher to agree (although in this case, we have a self-published book - not surprising, considering the “content”).

The major complaint I have with these credit repair books - aside from the fact that they are mostly full of stuff anyone can get for free on the web or they are poorly-written and -edited, and, hence, full of typos - is that they are too thick. You may be asking “What the heck does that mean?” Well, let me tell you…

As I noted, the big-book game is played by stuffing the book with:

- sample dispute letters; while useful, these things are available just about anywhere, including online, and usually for free. Including these letters just puffs up the page count.

- copies of the Fair Credit Reporting Act (FCRA), the Fair Debt Collections Practices Act (FDCPA), the Equal Credit Opportunities Act (ECOA), and the Credit Repair Organizations Act (CROA), among others, simply downloaded then pasted into the book to try to impress you. If you want copies of those acts, write to your representative in the US House, or type the name of the act into a search engine. Better yet, go to www.ftc.gov where you will find links to those acts and a whole lot more. That website is a goldmine.

By including sample dispute letters and copies of pertinent acts, an “author” can make his “book” about three times thicker than it really is.

Anyway, back to the specific sins of Eichorn. He gives readers some really wrong information about how a credit score is computed. He says the FICO score takes into account things like time at present job, time at present address, occupation, homeownership, and age. He claims the Federal Trade Commission “gave Fair Isaac permission to use these factors when determining credit scores. Is it right? I don’t think so.”

No, Brian, its not right. And when I say that I mean what you wrote isn’t correct. You’ve written a book and gotten the central point wrong.

The FICO score is computed using information in the credit report. Lenders can and do then layer their own underwriting criteria and scoring model on top of the FICO repository-based score. But the FICO score does NOT take into account the things this guys says it does.

Eichorn correctly points out that the use of other factors “present(s) a clearer picture of the probability of repayment,” but those other factors are emphatically NOT part of the FICO score. As the company itself clearly points out, “your FICO score only looks at information in your credit report. Lenders often look at other things when making a credit decision, however, including your income, how long you have worked at your present job, and the kind of credit you are requesting.”

Go to www.MyFico.com for a free, downloadable booklet on credit scoring that will tell you a lot more than Eichorn will, with the added benefit of accuracy.

Oddly, this book doesn’t seem to take into account the existence - nay prevalence - of automated underwriting systems that make decisions in seconds. The book seems to be referring to a time when we met the decision-maker (usually the loan officer) face-to-face. That time has long since passed!

Some sections of the book - one chapter in particular - appear to have been downloaded directly from the FTC.gov website and passed off as the author’s own writing. This isn’t illegal (government information is in the public domain and may be freely copied and even sold), but it is unethical.

For some reason, throughout the book Eichorn uses the term “paid out” when he means “paid.” Strange.

He says too many inquiries lower your credit score “because the computer model that calculates your score can’t determine if you are shopping for a mortgage or (an) automobile…” Ummm, wrong! Every creditor or potential creditor who pulls your credit report is coded. A mortgage company would be coded as, guess what - a mortgage company! The model knows the kind of company obtaining your credit report. The model deals with inquiries by putting them into “like groupings.” It can do this because it knows what kinds of creditors are pulling your report.

He then claims “your occupation, being a homeowner, and your age are other factors that go into determining your credit score. However, this goes directly against the Equal Credit Opportunity Act (ECOA). The ECOA clearly states that you cannot be discriminated against when applying for a loan.” Actually, the ECOA lists categories of people and situations and prohibits discrimination in very specific ways. And, as I noted above, the credit score does NOT take into account your job, whether your own or rent, or your age.

The author digs himself deeper into a hole when he opines that “you should not be judged for credit on the basis of being a doctor or a janitor.” Well, some folks would argue that, indeed, you should be judged for credit on that basis. Regardless of where you come down on the issue, the ECOA doesn’t cover professions.

He says “FICO reasons the better the profession the more likely the repayment of a loan. Also, a homeowner is more stable than a renter, and a retired person is more responsible than a twenty year old.” gain, FICO scores do NOT take into account your profession. Where this guy got that impression, and how he felt it was proper to put into his “book” such bogus and unsupported “facts” is beyond me. But its damned irresponsible, I tell you. I would suggest a complete rewrite, but this book is too far gone for that.

5 Stars Great Investment with Excellent Benefits
I bought this book in the Spring or Summer of 2003. I began cleaning up my husband and my credit. The sample letters were easy to follow and I was able to raise our credit considerably. I now have began my own business from home cleaning up people’s credit. This book was a great resource for me and now my business.

5 Stars Very Informative
I found this book to be very helpful in explaining how to improve my credit. I have read many articles in magazines and newspapers on the subject of improving my credit but I like the way this book broke down each component of one’s credit and how each plays a role in the overall credit score. I found it easy to understand.

5 Stars Very Informative
I found this book to be very helpful in explaining how to improve my credit. I have read many articles in magazines and newspapers on the subject of improving my credit but I like the way this book broke down each component of one’s credit and how each plays a role in the overall credit score. I found it easy to understand.

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The No Nonsense Credit Manual How to Repair Your Credit Profile Manage Personal Debts and Get the Right Home Loan or Car Lease

User Ratings and Reviews

4 Stars Good start to fixing problems, could use udpating.
This book gave me a good understanding of a previously bewildering subject, and I would recommend it as a good primer.

Pros:

Easy to read and understand.

Helped get me in control of my credit, not the agencies.

Cons:

Some of the addresses and contact information are out of date.

4 Stars A must for the people who are trying to get finances managed
You will gain a lot, there is a great deal of information in this book, If you have decided to put your financial life back together this is the starting point. A MUST for the people who need help.

4 Stars Happy in Irvine
I read the No-nonsense Credit Manual and found it very helpful in cleaning up the “wreckage of my past”. It has helped me to better plan for the future and it’s very easy to understand. Thanks for all the help.

4 Stars satisfied in Irvine
I recently read this book and found it very helpful. I have taken direction and started writing my creditors letters and had marvelous results. I have re-established my credit by getting a secured credit card and am very happy to say I am repairing my credit myself through reading this manual.

5 Stars Easy to understand and full of useful and practical advice!
Shaun Aghili’s “The No Nonsense Credit Manual” is by far the best do-it-yourself credit repair guide I’ve come across. He shares with his readers his own experience with credit disaster and the mistakes he made along the way. This book offers not only advice on getting yourself out of debt and cleaning up your credit, it also provides you with sample letters to send to creditors and credit bureaus for various situations. I found this book to be easy to understand and full of excellent advice. Whether you find yourself in “credit hell” or want to simply more knowledgeable about credit issues, this work is good reading.

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Government Funding and You Business Credit Dvd

This business credit DVD is designed to show you how to apply for business credit on-line and build your business’s credit profile. You can use this video to establish credit on-line and set up your business for grants and federal contracts. This tool can easily give the purchaser $100,000 in business credit within 5 - 12 months. Commercial credit is a key tool in establishing your business. This video will give you the inside story in a step-by-step fashion. Please note, a 2008 version of this DVD is now available.

User Ratings and Reviews

5 Stars Great DVD - Top Notch!
Great product, that got me where I needed to go. With several business credit accounts that were in the business name only!

-LG

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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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Get Credit Now

CONTENTS: SEVEN BASIC STEPS: OVERVIEW, DIVORCED OR DEPARATED: KNOW YOUR RIGHTS, HELPFUL HINTS, CREATING A NEW CREDIT PROFILE, LAWS THAT PROTECT YOU, WINNING THE CREDIT BATTLE, CREDIT SECRETS AND CASH SOURCES,

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