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Credit Book Reviews

 
 Your Credit Score: How to Fix, Improve, and Protect Your Credit for Life
Your Credit Score: How to Fix, Improve, and Protect Your Credit for Life

 

  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!

  • How many credit cards should you have... ..and what should you know about carrying balances?
  • Which credit inquiries hurt your score? ...and which don't?
  • Will closing accounts really help your credit score? You may be surprised at the answer.
  • How credit counseling does and doesn't affect your score Crucial new information, straight from the source.
  • The fastest way to improve your credit score Who can actually help and who'll rip you off?
  • 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.

  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.

 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
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

 
 

The ABC's of Getting Out of Debt: Trade your Bad Debt for Good Debt and your Bad Credit for Good Credit

by Garrett Sutton, Robert T. Kiyosaki (Foreword by)

 Dirty Little Secrets From the Credit Bureaus: Clean Up Your Credit Report and Boost your Credit Score
Dirty Little Secrets From the Credit Bureaus: Clean Up Your Credit Report and Boost your Credit Score

 
  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
Credit after Bankruptcy: A Step-by-Step Action Plan to Quick and Lasting Recovery after Personal Bankruptcy

 

  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
Ultimate Credit Handbook: Cut Your Debt and Have a Lifetime of Great Credit

 

  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
Mortgages 101: Quick Answers to Over 250 Critical Questions About Your Home Loan

 
  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

 The Mortgage Encyclopedia: An Authoritative Guide to Mortgage Programs, Practices, Prices, and Pitfalls
The Mortgage Encyclopedia: An Authoritative Guide to Mortgage Programs, Practices, Prices, and Pitfalls

 

  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?"

  • Guides readers through the bewildering array of new mortgage programs
  • Features definitions and explanations of common mortgage, escrow, and closing fees and arcane mortgage terminology
 Credit Scores and Credit Reports: How the System Really Works. What You Ca Do.
Credit Scores and Credit Reports: How the System Really Works. What You Ca Do.

 
  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
Your Credit Score: How to Fix, Improve, and Protect the 3-Digit Number that Shapes Your Financial Future

 
 

How to Fix, Improve, and Protect the 3-Digit Number that Shapes Your Financial Future

by Liz Pulliam Weston

 Credit Risk Scorecards: Developing and Implementing Intelligent Credit Scoring
Credit Risk Scorecards: Developing and Implementing Intelligent Credit Scoring

 
  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
Credit Portfolio Management

 

  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).
 
 All about Credit: Questions (and Answers) About the Most Common Credit Problems
All about Credit: Questions (and Answers) About the Most Common Credit Problems

 
  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
American Bar Association Guide to Credit and Bankruptcy

 
  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.
 Credit Reporting Systems and the International Economy
Credit Reporting Systems and the International Economy
  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.
 
 The Guerrilla Guide to Credit Repair: How to Find out What's Wrong with Your Credit Rating--and how to Fix It
 How to Find out What's Wrong with Your Credit Rating--and how to Fix It
  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.
 Credit Card Debt: Reduce Your Financial Burden in Three Easy Steps
Credit Card Debt: Reduce Your Financial Burden in Three Easy Steps

 
  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
Credit Repair Kit For Dummies
 
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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