Customer Reviews:
This book has given me financial freedom.......2007-09-07
I was in a big mess. Without going into details - I owed almost $95,000, my yearly income is $45,000 before tax, and I am supporting a family of 3. I live in New York. My apartment rent alone is $1,100. Owed amount was getting bigger and bigger because of the interest. Obviously, I wasn't eligible any kind of loan.
No money to hire an expert. I didn't have money to buy many different books. Luckily the one I picked was the right book. Now, I had the will and I had the right book. I owe only $7,000 now. My total credit limit from different credit cards is now $175,000. My bank is willing to give me loan. Didn't happen overnight or it didn't happen without any work on my part -- but it did work out with the help of this book.
Thank you, Mr. Kelly.
A good book to help YOU get started.......2007-07-12
This book is very helpful. To the reviewers who said there were a bunch of useless forms in the book....yeah if you don't use them. I mean he tells you what to do, gives you a form to go by all you have to do is work towards your goal...getting that credit score up. What do we expect our credit scores to go up just by purchasing/reading the book? You have to do something.
pretty good - I rate it a solid 3.5.......2006-07-09
Pros - easy to read and concise; good tips on how to establish and re-establish credit; good job explaining the credit reporting process and the importance of credit and the three types of lenders (prime, subprime, and secondary).
Cons - does not include info about credit scoring; steps for fixing credit are too cumbersome for the average consumer to follow; tips for how to strengthen credit are ineffective, outdated, misleading - such as having account added to your credit record - the agencies don't do that anymore. incorrect data about the length of time chapter 13 bankruptcies stay on credit reports; sample letters are too vague.
The book could have been more detailed to help readers fully grasp credit. It's a good introdution to credit that wiill leave you seeking more information. recommendation - The Insider's Guide to credit Repair by K.E. Varner and Your Credit Score by Liz Weston.
Sucked........2006-01-09
I'm giving this two stars, because it's better then nothing, but it's just a giant listing of form letters and a boring algorithm to follow. I suppose it might actually work, but it doesn't give you an insight or knowledge you can use to work the system like the Gorilla Guide does. I ordered the two books at once figuring I'd read both, and this one flat out sucked.
Solid info. Easy to read.......2005-08-02
This book is great if you want to challenge inaccurate or "old" credit files reported by the big three agencies. The book provides a plethera of letters & follow-up letters to challenge the false reports. In addition, it offers up ways to negotiate payment plans w/your creditors.
Book Description
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.
Customer Reviews:
Stuff and fluff.......2007-08-22
Save your money. Stuffed with appendices of legislation pertaining to credit industry. Poorly written and worse editing with mispellings and repetition.
Falls short and instills fear of credit bureaus.......2006-07-09
The main idea of this book is that credit reporting is an unfair process to consumers and more legislation is needed to regulate the industry. The authors paint a grim picture of credit agencies and leads you to believe you should be afraid of them. First of all the book is severely outdated. The book falls short due to the amount of mis-information. For example, it convinces readers that anyone that requests their credit report can obtain one; it advises that credit reports are reviewed when a person applies to college and convinces readers that credit reports are so personal that they contain information about a person's grooming habits. LOL - come one, get serious! The book is outdated and at least half of it focuses on trying to teach readers how to manipulate the credit-reporting system to have correct data removed from a credit report. In addition, the book is full of contradictions. It claims that credit reporting is done to punish, even torment consumers and that it's unfair, but a few pages later, the authors state that the intricate system ultimately benefits consumers. Which is it?! It also suggest readers partake in illegal activity in order to obtain a credit report like the ones creditors receive. It tells them to pose as a landlord or employer. This is illegal! Unless you're a deadbeat with low morals, this book is not for you. I'd recommend The Insider's Guide to Credit Repair by K.E. Varner for more useful, practical advice.
This book should be $5.00 - its like a good pamphlet.......2006-02-05
This book was disappointing. Buying a book without being able to browse it beforehand makes it difficult to know if its what you want. If I would have been able to skim through this book prior to buying, I would not have bought it. It's not that it's bad, it's just that its not what I needed or the title implied. It is not a comprehensive book at all. The title "guerrilla" makes you think it will offer unique, aggressive, insightful, strategic, or uncommonly known tactics to attack your credit repair. It absolutely fell short of that. But what it does deliver is very detailed, easy to follow understanding of BASIC information (what credit is, how to contact the bureaus, what type of letters to send, etc.) It gives you a decent strategy on how to dispute items on your CR. A huge shortcoming for this book is that 100 pages of the 200 page book was given to printing the FCRA (fair credit reporting act). Helpful but a waste. Instead of giving us some "guerrilla tactics" for 100 pages, they print the act instead. If you are really trying to repair your credit and you need real life information and real "guerrilla" tactics then you MUST prepare yourself mentally (it can get legal, psychological and emotional) and use the vast amounts of FREE information and FREE resources available online. Try joining FREE online communities/forums. Avoid people capitalizing on your despair with over-priced credit repair books, credit repair kits, pay-for services (i.e. now bankrupt AmeriDebt) or other books where gazillionaires bloviate about how rich and debt-free THEY are. Good for you. People with poor financial situations and poor credit do need inspiration but people also need practical aggressive ways to get their backs from against the wall. In conclusion, you'd be better off researching online for a few weeks, seeking FREE professional opinions, or checking out books like this one from the library.
Sound Advice that Works but...........2005-04-25
Updating would be a good thing with recent changes in the FCRA. I read the reviews by others before I read the material myself. Seeing that other reviewers had looked into Bill Bauer who claimed to be an expert on the topic and gave a very negative review and I saw the book was sound raised my curiousity level and I Googled him as well. I think a new book about him would make fascinating reading. Please do not take the negative reviews seriously. They have an agenda.
what it boils down to.......2005-02-22
I am writing in response to someone who gave this book a bad rec. do to the book not telling him what the cb's use to calc your individual score. The fact is nobody knows. All 3 use their own system and they aint tellin. Besides many creditor will use other data on cb report, not just the score. best you can do is make sure cb info is correct and make all pmts by due dates.
Book Description
Inside Secrets from a Credit Industry Professional
There are a plethora of books out there promising to show consumers how to repair their credit. There is only one that explains how to establish credit, how to maintain and manage it, and, yes, how to fix it when it's broken— The Insider's Guide to Credit Repair.
This much-needed book is current, cohesive, and thorough. It begins with the basics-defining credit, explaining its value to consumers and businesses, and introducing the key parties that keep the process successfully operating—but then covers more complex topics, including credit laws, credit scoring, credit repair and identity theft. Most noteworthy and helpful are the short quizzes after each chapter, a comprehensive glossary, and a wide variety of sample letters.
The Insider's Guide to Credit Repair is an engaging and thought-provoking discussion of consumer credit from an insider's perspective—the author is a former instructor for one of the national credit-reporting agencies. The scope of the material is as vast as the author's industry experience, accommodating the beginner trying to establish credit for the first time and more experienced consumers seeking greater knowledge of all aspects of credit.
K.E. Varner is a former instructor of customer-service personnel for Equifax, one of the three major credit-reporting agencies. During his tenure, he functioned as a subject matter expert in a number of high-level business projects, appeared in Federal court to help resolve consumer/credit-reporting agency conflict, and facilitated credit industry information to organizations such as the Atlanta Housing Authority.
Customer Reviews:
Excellent Book.......2007-02-12
I found this book very helpful and honest. It builds upon knowledge that you may already have on credit repair, and is a great resource for someone just tackling their credit.
Very well written and informative.......2006-07-09
I've read many books on credit and this is one of the better ones. I like the fact that you can read what applies to you if you choose. You don't have to read the entire book from front to back but i'd recommend it for complete understanding.
It's very easy to follow, up-to-date, comprehensive. Highlights- a great chapter on credit scoring and improving your score; a good section on finding a good credit counselor; establishing and re-establishing credit, negotiating with collectors and I liked the tests after each chapter. The only thing I would have like more of is some negotiating tips but overall it's good.
I'd recommend Liz Weston's Your Credit Score as well.
Complete Understanding.......2006-05-19
This book is definately informative. It not only helps you understand ways to repair your credit, but gives you knowledge of how to make responsible decisions in using credit. It covers every aspect of credit from the major players, credit scores, and how to reestablish and establish credit.
Great Book-very informative.......2005-10-06
This book is a must read!! If you know anyone that has credit or financial issues, teenagers about to graduate from HS and college age kids-this would be a great gift for any occasion. Kids need to be informed now before they go out and start opening credit accounts they will later regret. They need to be educated on how to establish and maintain a great credit rating. Parents can use this as a guide. Buy it and read it for yourself. I am happy I have this book and look forward to sharing it and all that I have learned from it.
This Is The Only Credit Guide You Need.......2005-08-13
I read this book and was amazed by the amount of information it gave. This author hits every area of credit that people need help with. Everything from credit scores to id theft is covered here and in great detail. It even gives little quizes at the end of each chapter to help you retain the info. The best part is that the chapters are so well segmented that you can just flip to the area you need help with and go from there.
This book by far is the best credit guide out there today. The ones I've read in the past just touch on certain things here and there, but this author really gives you what you need. I'm buying copies for each of my college children. It is highly recommended!
Average customer rating:
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Credit Repair Made E-Z! (E-Z Legal Guide)
E-Z Legal Forms Inc
Manufacturer: Made E-Z Products
ProductGroup: Book
Binding: Paperback
 Money & Monetary Policy
| Economics
| Business & Investing
| Subjects
| Books
General
| Business & Investing
| Subjects
| Books
Budgeting & Money Management
| Personal Finance
| Business & Investing
| Subjects
| Books
Credit Ratings & Repair
| Personal Finance
| Business & Investing
| Subjects
| Books
ASIN: 1563824248 |
Book Description
Anyone can repair bad credit or improve existing credit with this guide. Assert your rights to obtain, challenge and change your credit report. Complete with sample letters and forms.
Customer Reviews:
The Good, The Bad and The Ugly.......2006-07-09
Good - tells you how to show for credit by being professional, researching and asking the right questions and starting at the local level.
Bad - Incorrect material. 1- The FTC can represent an individual consumer in litigation. 2- Credit bureaus are not obligated to honor a consumer's request to be removed from pre-approved lists. 3 - credit bureaus score credit files. 4 - Removal of a tax lien cannot be reinserted. 5 - Bounced checks do not appear on credit reports. All of this is wrong and the list goes on. Too many errors to list here.
Ugly - the book accuses credit repair companies of taking advantage of consumers ignorance but this book is also advancing at the expense of consumers lack of understanding or knowledge by providing erroneous information to the masses.
More time should have been spent researching the facts.
Repaired my credit.......2003-08-08
This book was THE reason I was able to successfuly challenge false information on my credit report and repair my credit. Very easy to read and packed full of tips and sample letters.
Great Author!.......2002-03-25
This is the third book by Arnold S. Goldstein I have purchased. This book is labeled EZ for a reason, the content is very easy to understand. I would recommend his older book The Guarenteed Credit guide also as it has a little more indepth content.
Jeremy
Book Description
How to establish, maintain, repair, and protect credit--financial worksheets included!
From a credit expert, this guide explains how to use credit as a tool, safely and sensibly. It discusses the different types of credit, how to establish a credit history when you're just starting out, the Ten Commandments of Credit, how to deal with collection agencies and get out of debt, how to reestablish credit after a bankruptcy, and more.
"The only book you'll ever need about credit."--Paul Navestad, President and CEO, Financial Services Network-USA, Inc.
* The author founded Professional Credit Counselors in 1984, conducts seminars, is a popular talk-show guest, and has authored many books on credit
* Includes worksheets
Customer Reviews:
Nothing new..........2005-08-14
Ask anyone, and they will tell you that the American system of credit is one of the toughest schemes for an individual to understand. If, as it is my case, you are a foreigner, the problem only gets escalated to the maximum degree. This is the type of book one turns to when in serious need of credit advice. It is also, unfortunately, not as helpful as I was expecting it to be. At one point, it honestly made think that I'd suddenly become the "expert" Ms. McNaughton claims one should be on the subject (Page 119). And I hadn't even been halfway through the book!
The book is divided into three major parts:
- Establishing credit
- Dealing with credit problems
- Credit restoration / Credit repair
I found its main value in the numerous spreadsheets offered as a tracking tool for credit establishment and repair. Thus, we have timed sheets to achieve different goals, forms to track current and applied for credit cards, reports to the local and major credit bureaus, debt tracking, etc.
On Pages 116 through 118 there is an interesting but still kind of far-fetched idea about using 20 credit cards - yes, you read correctly, twenty! - to make money out of a calculated scheme to obtain downpayment for a mortgage. The process; however, seems complicated, and although I would agree with Ms. McNaughton that credit cards can actually be a good thing if used wisely, I found such suggestion on a book that technically has the purpose of teaching people how to better handle their credit issues a bit dangerous. Moreover, the world of credit has changed since 1998 (when the book was written), and some information is inaccurate. For example, Equifax no longer uses the criteria described on pages 84 and 85 in their reports.
Overall, save your time and your money and research the web or contact Consumer Credit Counseling Services. Your credit will appreciate it.
Getting out of debt, and repairing damaged credit.......2001-09-07
Credit management expert Deborah McNaughton shows the reader how to establish, maintain, repair and protect his or her credit in The Insider's Guide To Managing Your Credit. The first half of this superbly presented "how to" book is on establishing credit, including information on the various types of credit, qualifying for credit, dealing with credit denials and credit reporting agencies, the credit application process, and even the use of credit to make money. The second half of The Insider's Guide To Managing Your Credit focuses on dealing with credit problems, working with collection agencies, getting out of debt, and repairing damaged credit. The informative, "reader friendly" text is enhanced with a section on "The Most Frequently Asked Questions and Their Answers"; listings of "Federal Government Publications" and "Regional Offices of the Federal Trade Commission"; a glossary; and an Index. Highly recommended!
ON EQUAL GROUND.......2001-01-17
At last a book that can be used as a guide and tool to understanding the credit industry. Everybody has had unique situations that may have had an impact on their ability to keep their credit in good standing, but one thing is certain, the industry can not and will not distinguish between individual circumstances, if you missed a payment, end of story, you have a negative mark against your credit history. This book helped me gain an understanding of the credit terminology and assisted me in learning how to read and understand my credit report. You can't hide from your credit history and the mistakes you made in the past. So, learn "tricks" that will help remove negative marks on your credit report, learn that too many inquiries against your credit report can actually hurt your ability to obtain credit, or learn the differences between the credit agencies, plus a lot more. This book is a must for all people who have or will, try to obtain credit. Give yourself an advantage that few people have, learn your second identity, your credit history!
Very informative book!.......2000-11-14
This book has put me on the right track to repair my credit. It has taught me how to deal with my credit problems. There is a lot of helpful information about credit, information that everybody should know. I strongly recommend this book to anyone who is like me and could use some expert credit advice!
Not very helpful.......2000-11-01
This book is very general and doesnt give very much advice on how to actually repair your credit. It doesnt really cover the different types of credit problems that people have.
Amazon.com
You might think, as I once did, that a bad credit record is nearly impossible to overcome. But, the fact is there are ways to repair your credit after personal problems have caused you to mess it up or some calamity has made it impossible for you to pay your bills on time or even to pay them at all. This aptly named book takes a methodical and thorough approach, with step-by-step instructions and advice to fix even the worst credit record in the shortest possible time. If you have serious credit problems, you need this book.
Book Description
No matter how bad your credit is, it can always be improved -- and Credit Repair shows you how to do it today! Bad credit can damage your chances of qualifying for credit cards or a mortgage and it can even get in the way of renting a home. In this helpful, clear-cut book, personal finance and credit experts Robin Leonard and Deanne Loonin show you how to:
• avoid overspending
• establish a realistic budget
• get out of debt
• build a financial cushion
• read and understand your credit report, and get errors fixed
• take action against a credit bureau that does not remove incorrect data
• get positive information added to your credit history
• negotiate with creditors
• get and maintain good credit
Credit Repair features:
• sample credit reports from the three major credit bureaus
• a Resource Appendix showing where to go for additional help
• text of the Federal Fair Credit Reporting Act
• text of state credit reporting laws that provide additional protections
• 30 forms and form letters, as tear-outs and on CD-ROM, to make repairing your credit as easy as 1-2-3
Customer Reviews:
Great info!.......2007-08-12
As some others have mentioned, most of the information in this book is available for free. However, for the price, having useful, effective information like this in an easy to use format is well worth it.
Very Little Useful Information .......2007-04-30
This book provided very little information thats is not already available for free. Do a search on credit repair or credit reporting and you will get all the information you need on the internet.
The entire credit reporting act was quoted. Rather than a useful interpretation, the reader is left to go through 50+ pages of legaleze. BTW, the law is public, therefore can be found without buying the book -- which adds no additional value.
Credit Repair 7th edition.......2006-04-10
I found this book to be very informative and helpfull. I have used it has a guide in helping repair my own credit. I recommend it to many.
This book is not getting enough Credit!!!.......2004-05-19
This book was so helpful, I just can't uderstand the bad reviews! Thanks to Credit Repair I've gone from being up to my ears in debt to having near perfect credit! Of course this kind of result isn't going to happen over night, any one who tells you otherwise is lying or doing something illegal. THERE ARE NO LEGAL QUICK FIXES!!! I've tried many different methods to improve my credit but following the advice in this book is the only one that worked for me. It even contains a CD-ROM with pre-made forms and letters that help to make the process as easy and painless as possible. Credit Repair was worth every cent!
Helped Me Too.......2003-03-03
I used this book and cd, in 1 day my credit score went up after I disputed several items
Customer Reviews:
Buy the Third Edition.......2005-06-10
I'm the author and wanted to let you know that if you're interested in this book, you may want to buy the newly updated and expanded third edition, which has been retitled The Complete Credit Repair Kit, and includes a CD and new information.
Try another book!.......2004-08-17
Very superficial information - you can do better just by doing an online search and reading that up. Save your money for a better book.
Excellent book on credit and debt.......2001-11-29
As an expert on credit and debt myself, I think this book covers the topic pretty thoroughly. I'm glad to see another book that plainly spells out that there are no easy fixes for debt and credit problems and guides the readers through it - Kristy Welsh, author of "Good Credit is Sexy".
Get information you can use!.......2001-09-25
The book told me how to get my credit report and fix it. Theres a lot of good ideas about how to save money and do a budget. I didn't know I could negotiate with creditors. This was a good buy.
Average customer rating:
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Credit Mechanic: The Poor Man's Guide To Credit Repair
J. Arlene White
Manufacturer: Paladin Press
ProductGroup: Book
Binding: Paperback
General
| Popular Economics
| Business & Investing
| Subjects
| Books
Public Finance
| Economics
| Business & Investing
| Subjects
| Books
General
| Business & Investing
| Subjects
| Books
Credit Ratings & Repair
| Personal Finance
| Business & Investing
| Subjects
| Books
General
| Personal Finance
| Business & Investing
| Subjects
| Books
General
| Finance
| Accounting & Finance
| Professional & Technical
| Subjects
| Books
ASIN: 0873645936 |
Book Description
This step-by-step guide is organized in workbook fashion to help you fix your credit yourself, without the help of expensive credit repair clinics. Inside tips on credit repair (some found nowhere else) show you how to turn bureaucracy in your favor and wipe the slate clean for good.
Customer Reviews:
Worthless!.......2003-01-02
This book is completely worthless. Any useful information that can be gleaned from this book can be found in about 10 minutes on the Internet. The other information is hopelessly out of date or terrible advice.
The chapter on creating a new credit file is the worst. I'm not an attorney, but I believe doing this intentionally is illegal. It is at least very unethical.
Find another book, search the Internet or consult a knowledgeable attorney. Don't waste your time or money on this travesty.
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The Complete Credit Repair Kit (+CD-ROM) (Complete Credit Repair Kit)
