The Complete Guide To Credit Repair
The Complete Guide To Credit Repair
User Ratings and Reviews
5 Stars This book has given me financial freedom
I was in a big mess. Without going into details - I owed almost $95,000, my yearly income is $45,000 before tax, and I am supporting a family of 3. I live in New York. My apartment rent alone is $1,100. Owed amount was getting bigger and bigger because of the interest. Obviously, I wasn’t eligible any kind of loan.
No money to hire an expert. I didn’t have money to buy many different books. Luckily the one I picked was the right book. Now, I had the will and I had the right book. I owe only $7,000 now. My total credit limit from different credit cards is now $175,000. My bank is willing to give me loan. Didn’t happen overnight or it didn’t happen without any work on my part — but it did work out with the help of this book.
Thank you, Mr. Kelly.
4 Stars A good book to help YOU get started
This book is very helpful. To the reviewers who said there were a bunch of useless forms in the book….yeah if you don’t use them. I mean he tells you what to do, gives you a form to go by all you have to do is work towards your goal…getting that credit score up. What do we expect our credit scores to go up just by purchasing/reading the book? You have to do something.
3 Stars pretty good - I rate it a solid 3.5
Pros - easy to read and concise; good tips on how to establish and re-establish credit; good job explaining the credit reporting process and the importance of credit and the three types of lenders (prime, subprime, and secondary).
Cons - does not include info about credit scoring; steps for fixing credit are too cumbersome for the average consumer to follow; tips for how to strengthen credit are ineffective, outdated, misleading - such as having account added to your credit record - the agencies don’t do that anymore. incorrect data about the length of time chapter 13 bankruptcies stay on credit reports; sample letters are too vague.
The book could have been more detailed to help readers fully grasp credit. It’s a good introdution to credit that wiill leave you seeking more information. recommendation - The Insider’s Guide to credit Repair by K.E. Varner and Your Credit Score by Liz Weston.
2 Stars Sucked.
I’m giving this two stars, because it’s better then nothing, but it’s just a giant listing of form letters and a boring algorithm to follow. I suppose it might actually work, but it doesn’t give you an insight or knowledge you can use to work the system like the Gorilla Guide does. I ordered the two books at once figuring I’d read both, and this one flat out sucked.
4 Stars Solid info. Easy to read
This book is great if you want to challenge inaccurate or “old” credit files reported by the big three agencies. The book provides a plethera of letters & follow-up letters to challenge the false reports. In addition, it offers up ways to negotiate payment plans w/your creditors.