Credit Repair: Make a Plan, Improve Your Credit, Avoid Scams by
Bad credit can get better A bad credit report can prevent you from getting a mortgage, car loan, credit card, apartment or even a job. The sensible strategies in Credit Repair help you take control of your finances, clean up your credit report and rebuild your credit. Learn how to: prioritize debts and create a budget reduce debts and cut expenses negotiate with creditors correct credit report errors and remove old information add positive information to your credit report adopt strategies to rebuild your credit, and avoid identity theft and credit repair scams. Updates to the 13th edition of Credit Repair include the latest student loan repayment programs, new credit-building strategies, changes to the credit scoring of tax liens, medical debt, and civil judgments, identity theft reporting developments, and more.
Getting Out of Debt and Staying Out: Face up to Financial Reality and Free Yourself From Money Worries by
Living with debt is an inevitable part of modern life. Just about everyone has debt in one form or another - a mortgage, an outstanding credit card balance, a car financing deal, a student loan - and many other types. So if we can't get rid of debt we need at least to learn how to handle it so that we can control it, before it controls us. In this book we look at a series of case studies and how people got into trouble with debt. They weren't stupid or irresponsible. Their problems arose because circumstances changed. Some changes could have been foreseen, others not - but they were things that could happen to anybody at any time - to you or me. This book will show you: How, if you take the right action at the right time, you can get matters straight. How to borrow in a way that will minimise the risk of getting into difficulties, and how to do it at the lowest cost. How, if the worst happens and you get into a complete financial mess, you can get out of it with the least long term damage. CONTENTS: 1. Janet and John - an everyday story of professional folk hit by rising interest rates and one or two other problems 2. Gary and Sue - how things might have got worse 3. Janet and John revisited - how they triumphed over adversity 4. Gwen the graduate - dicing with debt and how she escaped a fate worse than death 5. Borrowing for the dream home - how to get the mortgage that is right for you 6. Credit - dealing with banks and other dangerous predators 7. Don't panic if it all goes wrong 8. If you're in a hole stop digging and start to climb out 9. If the worst comes to the worst 10. How to live in peace and freedom