Book
Credit repair / attorneys Amy Loftsgordon & Cara O'Neill.
"The sensible strategies in this book will help the reader take control of their finances, clean up their credit report, and rebuild their credit. This book discusses 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 a credit report, adopt strategies to rebuild credit, and avoid identity theft and credit repair scams"-- Provided by publisher.
Record details
- ISBN: 9781413329995
- ISBN: 1413329993
- Physical Description: 340 pages ; 23 cm
- Edition: Fifteenth edition.
- Publisher: [El Segundo] : Nolo, 2022.
- Copyright: ©2022
Content descriptions
| General Note: | Includes index. |
| Formatted Contents Note: | Your credit repair companion -- The elements of repairing credit -- Credit reports and credit scores: the nuts and bolts -- The first step to a better credit score: cleaning up your credit report -- Assess your financial situation -- Reducing current expenses and debts -- Finding money to pay your debts -- Negotiating with creditors and debt collectors -- Getting help negotiating and managing debts -- Building positive credit history -- Choosing and using credit cards -- Avoiding and dealing with identity theft. |
Search for related items by subject
| Subject: | Consumer credit > United States > Handbooks, manuals, etc. Finance, Personal > United States > Handbooks, manuals, etc. Consumer credit > Law and legislation > United States. United States. |
| Genre: | Handbooks and manuals. |
Available copies
- 8 of 8 copies available at Missouri Evergreen. (Show)
- 0 of 0 copies available at North Kansas City.
Holds
- 0 current holds with 8 total copies.
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Credit Repair : Make a Plan, Improve Your Credit, Avoid Scams
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Table of Contents
Credit Repair : Make a Plan, Improve Your Credit, Avoid Scams
| Section | Section Description | Page Number |
|---|---|---|
| Your Credit Repair Companion | p. 1 | |
| 1 | The Elements of Repairing Credit | p. 5 |
| 2 | Credit Reports and Credit Scores: The Nuts and Bolts | p. 7 |
| How Creditors Evaluate Your Creditworthiness | p. 9 | |
| Credit Reports and Credit Scores: What Are the Differences? | p. 10 | |
| Your Credit Reports | p. 11 | |
| Getting Your Credit Reports | p. 12 | |
| What Is in a Credit Report? | p. 20 | |
| Investigative Reports | p. 26 | |
| Who Can Look at Your Credit Report | p. 27 | |
| Your Credit Score: What It Is and Why It Matters | p. 32 | |
| How Credit Scores Are Calculated | p. 33 | |
| What Credit Score Do You Need to Get Credit? | p. 42 | |
| Getting Your Credit Score | p. 44 | |
| 3 | The First Step to a Better Credit Score-Cleaning Up Your Credit Report | p. 51 |
| Common Errors in Credit Reports | p. 53 | |
| Your Right to an Accurate Credit Report | p. 55 | |
| Review Your Report for Errors and Incomplete or Prohibited Information | p. 59 | |
| Dispute Incomplete and Inaccurate Information | p. 63 | |
| Add an Explanatory Statement to Your Credit File | p. 76 | |
| Add Positive Information to Your Credit Report | p. 78 | |
| Check Your Credit Reports Often | p. 81 | |
| Avoid Credit Repair Clinics | p. 83 | |
| 4 | Assess Your Financial Situation | p. 89 |
| How to Assess Your Financial Situation | p. 90 | |
| Determining Your Credit Repair Options Based on Your Financial Situation | p. 100 | |
| 5 | Reducing Current Expenses and Debts | p. 107 |
| Cutting Expenses | p. 108 | |
| Reducing Current Debt Obligations | p. 117 | |
| Reducing Mortgage Debt | p. 126 | |
| Filing for Bankruptcy | p. 133 | |
| 6 | Finding Money to Pay Your Debts | p. 137 |
| Ways to Raise Money | p. 138 | |
| Options to Avoid | p. 152 | |
| 7 | Negotiating With Creditors and Debt Collectors | p. 161 |
| Prepare a Plan | p. 162 | |
| Negotiating With Creditors and Debt Collectors | p. 168 | |
| Dealing With Debt Collectors | p. 177 | |
| Tax Consequences of Forgiven Loans | p. 192 | |
| 8 | Getting Help Negotiating and Managing Debts | p. 195 |
| Avoid Most Debt Relief Services | p. 196 | |
| How Does a Debt Management Plan Work? | p. 200 | |
| Debt Management Plans vs. Chapter 13 Bankruptcy | p. 202 | |
| Choosing a Good Credit Counseling Organization | p. 203 | |
| After You've Chosen an Agency, Monitor Your Plan | p. 209 | |
| 9 | Building Positive Credit History | p. 211 |
| First Steps to Rebuilding Credit | p. 213 | |
| Ways to Improve Your Credit History Without Getting New Credit | p. 220 | |
| Next Step to Rebuilding Credit-Getting New Credit | p. 230 | |
| Putting It All Together: Preventing Future Financial Problems | p. 239 | |
| Be on Guard for Credit Discrimination | p. 241 | |
| 10 | Choosing and Using Credit Cards | p. 247 |
| Choosing Credit Cards | p. 248 | |
| Using Credit Cards: How to Protect Yourself | p. 254 | |
| 11 | Avoiding and Dealing With Identity Theft | p. 257 |
| The Crime of Identity Theft: The Scope of the Problem | p. 258 | |
| What's in a Stolen Name? | p. 259 | |
| How Can an Identity Be Stolen? | p. 260 | |
| How to Protect Yourself | p. 261 | |
| Protecting Your Social Security Number | p. 269 | |
| If Your Identity Is Stolen | p. 270 | |
| Identity Theft Protection Products and Insurance | p. 277 | |
| Appendixes | ||
| A | Resources | p. 279 |
| Debtors Anonymous | p. 280 | |
| Nolo Publications | p. 280 | |
| Other Publications | p. 281 | |
| Online Resources | p. 282 | |
| Where to Complain: Federal Agencies | p. 284 | |
| State Consumer Protection Agencies | p. 285 | |
| B | Additional State Protections Concerning Credit Repair Clinics | p. 287 |
| C | How to Use the Downloadable Forms on Nolo.com | p. 297 |
| Editing RTFs | p. 298 | |
| Downloadable Forms Available on the Nolo Website | p. 299 | |
| Index | p. 303 |
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