Credit Book Reviews
 
Your Credit Score: How to Fix, Improve, and
Protect Your Credit for Life
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Your credit score. It's a simple three-digit
number, but it's rapidly becoming the most
important number in your life.
It
dictates whether you'll get credit, and what
you'll pay. A bad credit score could cost
you thousands on your next house or
car. Insurers use it to set premiums.
Landlords use it to choose renters. You
must understand it. But there's an
immense amount of misinformation, obsolete
data, and flat-out nonsense out there and
some of it can cost you a fortune.
In
Your Credit Score, MSN/L.A. Times
personal finance journalist Liz Pulliam
Weston comes to the rescue with specific,
up-to-date answers you can trust.
Weston explains how to bounce back from bad
credit or bankruptcy and tells you
exactly how credit counseling, debt
negotiation, and other credit "solutions"
can affect your score. Along the way, Weston
exposes the myths about credit scoring that
can cost you real money if you fall for
them.
Your Credit
Score
gives you what you need most: an action plan
for building your credit, fixing
it, and maintaining it starting
today!
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How many credit cards should you have...
..and what should you know about
carrying balances?
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Which credit inquiries hurt your score?
...and which don't?
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Will closing accounts really help
your credit score? You may be surprised
at the answer.
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How credit counseling does and
doesn't affect your score Crucial
new information, straight from the
source.
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The fastest way to improve your
credit score Who can actually help and
who'll rip you off?
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What you should do before you
apply for a mortgage An action plan that
could save you thousands of dollars.
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0465043674:Product Link on
Barnes & Noble.com.
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Credit Card Nation is the first
comprehensive look at an ongoing social and
economic crisis -- America's escalating
dependence on credit. By locating consumer
debt within the context of corporate and
governmental debt, Manning explains how the
deregulation of financial services in 1980
paved the way for larger and larger numbers
of American consumers to become dependent on
credit cards and other forms of borrowing
for basic financial survival. Credit Card
Nation combines original research, tracking
the cumulative effects of public and private
debt over the last twenty years, and
extensive consumer interviews to tell the
complete story of American indebtedness.
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Rich Dad's Advisors: The ABC's of Getting
Out of Debt: Trade your Bad Debt for Good
Debt and your Bad Credit for Good Credit
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The ABC's of Getting Out of Debt: Trade your
Bad Debt for Good Debt and your Bad Credit
for Good Credit
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Dirty Little Secrets From the Credit
Bureaus: Clean Up Your Credit Report and
Boost your Credit Score
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These days, maintaining a good credit report
and FICO score is critical. This insider
guide reveals how the FICO score is
calculated--and lets you in on how to
manipulate it. Dirty Little Secrets from
the Credit Bureaus offers you
little-known strategies for improving credit
scores and making a credit report look
attractive to lenders. Credit experts from
well-known companies show you the best way
to communicate effectively with the three
major credit bureaus to make corrections and
update information. Plus, it reveals how you
can get bad information legally removed from
credit reports. |
 
Credit after Bankruptcy: A Step-by-Step
Action Plan to Quick and Lasting Recovery
after Personal Bankruptcy
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This book is truly a guide to recovery after
a bankruptcy. Stephen clearly gives step by
step methods to recovery. He gives specifics
as what to do..how could ask for more?. He
basically gives a guideline as to what
worked for him. So if the religion is
bothersome to some, then over look it. To
each is own. When someone tells their story,
it would be unfair to leave out certain
aspects just because of others beliefs. If
that worked for him, then that is what he is
sharing. Why sugar coat it? |
 
Ultimate Credit Handbook: Cut Your Debt and
Have a Lifetime of Great Credit
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The author covers all the bases here. I have
read virtually every credit
management/repair book out there. This guy
takes a realistic and honest approach to
debt management, negotiations and credit
repair. He has a vast amount of knowledge on
the topic and relays that information to the
reader. Definately a book that I will pass
around to my friends and family! |
 
Mortgages 101: Quick Answers to Over 250
Critical Questions About Your Home Loan
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First-time buyers and anyone with questions
about home mortgages will find this an
accessible and thorough book, with clearly
written answers to the myriad details of
these loans. A sample of the topics of the
16 chapters includes construction loans,
mortgage brokers, the Internet, refinancing,
down payments, and credit scores. Reed is a
senior loan officer in Texas. Annotation
©2004 Book News, Inc., Portland, OR
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The Mortgage Encyclopedia: An Authoritative
Guide to Mortgage Programs, Practices,
Prices, and Pitfalls
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A one-stop reference for in-depth
explanations of mortgage topics
With the creation of so many new, complex
mortgage programs, it's difficult for
consumers —not to mention real estate
agents, attorneys, closing agents, and
mortgage brokers—to keep track of them all.
Written by nationally syndicated real estate
columnist Jack Guttentag, The Mortgage
Encyclopedia helps readers understand
the various mortgage terms, features, and
options by offering clear, precise
explanations. The alphabetical organization
of terms makes it easy to quickly find
information on any topic, from FHA,
Investor, and No-PMI Loans to Origination
Fee and Rate Float. Each entry includes not
just a description of the term, but also
relevant advice for consumers, such as
answers to the questions "Is this loan right
for me?" and "Can I negotiate this fee?"
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Guides readers through the bewildering
array of new mortgage programs
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Features definitions and explanations of
common mortgage, escrow, and closing
fees and arcane mortgage terminology
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Credit Scores and Credit Reports: How the
System Really Works. What You Ca Do.
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Lots of little known quirks in the credit
reporting system are well presented and
documented. The author tells you how the
system can work either to your advantage or
disadvantage, and he tells you in detail
what you can do to protect yourself. I found
information in this book that I could not
find anywhere else. |
 
Your Credit Score: How to Fix, Improve, and
Protect the 3-Digit Number that Shapes Your
Financial Future
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How to Fix, Improve, and Protect the 3-Digit
Number that Shapes Your Financial Future
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Credit Risk Scorecards: Developing and
Implementing Intelligent Credit Scoring
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This book presents a business-focused
process built on a solid foundation of
statistic and data mining principles for the
development and implementation of risk
prediction scorecards. It describes how risk
scorecards can be a powerful tool for risk
managers who need to improve the bottom line
in their organizations as well as how they
can develop and implement these scorecards
using internal resources. The contents is:
(1) Scorecard Development Roles; (2)
Scorecard Development and Implementation
Process Overview; (3) Scorecard Development
Process; (4) Scorecard Implementation; (5)
Post Implementation. |
 
Credit Portfolio Management
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A
cutting-edge text on credit portfolio
management
Credit risk. A number of market factors are
causing revolutionary changes in the way it
is measured and managed at financial
institutions. Charles Smithson, author of
the bestselling Managing Financial Risk,
introduces a portfolio management approach
to credit in his latest book. Understanding
how to manage the inherent risks of this
market has become increasingly important
over the years. Credit Portfolio Management
provides readers with a complete
understanding of the alternative approaches
to credit risk measurement and portfolio
management. This definitive guide discusses
the pricing and managing of credit risks
associated with a variety of
off-balance-sheet products such as credit
default swaps, total return swaps,
first-to-default baskets, and credit spread
options; as well as on-balance-sheet
customized structured products such as
credit-linked notes, repackage notes, and
synthetic collateralized debt obligations (CDOs).
Filled with expert insight and advice, this
book is a must-read for all credit
professionals.
Charles W. Smithson, PhD (New York, NY), is
the Managing Partner of Rutter Associates
and Executive Director of the International
Association of Credit Portfolio Managers (IACPM).
He is the author of five books, including
The Handbook of Financial Engineering and
Managing Financial Risk (now in its Third
Edition).
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All about Credit: Questions (and Answers)
About the Most Common Credit Problems
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This quick and easy follow-up to "The
Insider's Guide to Managing Your Credit" is
designed for a reader who wants fast and
easy-to-understand solutions to specific
credit problems. |
 
American Bar Association Guide to Credit and
Bankruptcy
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The average credit card debt per household
is $7,500, and more than 1.6 million
Americans file for bankruptcy each year.
The American Bar Association Guide to Credit
& Bankruptcy answers the questions
people commonly ask lawyers about getting,
keeping, and repairing credit.
• Includes major new requirements of the
bankruptcy reform bill, in effect October
2005
• Topics include credit card debt,
bankruptcy, and other forms of debt such as
home mortgages, auto loans, and e-loans.
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Credit Reporting Systems and the
International Economy |
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Credit reporting is a critical part of the
financial system in most developed economies
but is often weak or absent in developing
countries. It addresses a fundamental
problem of credit markets: asymmetric
information between borrowers and lenders
that can lead to adverse selection and moral
hazard. The heart of a credit report is the
record it provides of an individual's or a
firm's payment history, which enables
lenders to evaluate credit risk more
accurately and lower loan processing time
and costs. Credit reports also strengthen
borrower discipline, since nonpayment with
one institution results in sanctions with
others.
This book provides the first comprehensive
review of credit reporting systems worldwide
and documents the rapid growth in the
industry. It offers empirical and
theoretical evidence of the impact of credit
reporting on financial markets, using
examples from both developed and developing
economies. Credit reporting, it shows,
significantly contributes to predicting
default risk of potential borrowers, which
promotes increased lending activity. The
book also covers the role of public policy
in the development of credit reporting
initiatives, including the role of public
credit registries managed by central banks;
and the role of legal, regulatory, and
institutional factors in supporting credit
reporting.
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How to Find out What's Wrong with Your
Credit Rating--and how to Fix It
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A
bad credit rating can keep you from buying a
house, renting a car, or even sending
flowers. yet most people don't know how to
find out the status of their credit or how
to fix it if it's bad.
This book can save you time and money.
Written by a journalist and a credit
consultant to the mortgage industry, The
Guerrilla Guide to Credit Repair tells
you how the major credit bureaus compile
your credit history, and teaches you how to
deal with them if there is a problem. Easy
to use, the book shows you:
--How to contact three major credit bureaus
and get a copy of your credit report.
--How to decipher and understand the
report's complex codes, numbers, and
implications.
--Step-by-step, how to correct errors and
clean up your credit history.
--How to use your legal rights under the
Fair Credit Reporting Act, the Fair Billing
Act, and the Truth in Lending Act to protect
yourself against credit abuse.
Sample credit reports, form letters, and
proven techniques for credit repair makes
this an invaluable guide for all consumers.
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Credit Card Debt: Reduce Your Financial
Burden in Three Easy Steps
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Leave Home Without It...
Membership has its privileges, but it also
has a huge share of disadvantages. Without
the proper know-how and guidance, you could
find yourself buried beneath an avalanche of
credit card debt. Millions of Americans are
just like you and are currently attempting
to pay off $450 billion to credit card
companies. It's in a credit card company's
best interest to keep you in debt-after all
that's how they make their real money. Even
by following their rules, you can quickly be
put at a disadvantage. It seems as if there
is no light at the end of the tunnel- that
is, until now. |
Credit Repair Kit For Dummies
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The consumer's straightforward guide
to fixing any credit problem
Bad credit can ruin a consumer's
chance at qualifying for a mortgage,
business loan, or other financial
help. Fixing bad credit can be
difficult for anyone who doesn't
understand how credit reports work.
Fortunately, Credit Repair Kit For
Dummies covers all the ins and outs
of credit, helping consumers address
their credit problems, pay down
their debt, and get their finances
on the right track. It gives readers
step-by-step guidance on repairing
credit problems and cleaning up a
messy credit history themselves.
Readers will also learn to fix
credit report mistakes and deal with
credit institutions. Plus, a handy
CD-ROM gives readers a multitude of
samples, lists, budgets, form
letters, and much more.
Steven R. Bucci (Narragansett, RI)
is President of Consumer Credit
Counseling Service (CCCS) of
Southern New England and the founder
of CCCS of Rhode Island. He writes
the nationally syndicated column
"Debt Advisor" for the financial
megasite bankrate.com (distributed
by Scripps Howard News Service). |
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