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 bankruptc
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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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|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!
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|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.
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