Credit Repair (book with CD-Rom)

Credit Repair (book with CD-Rom)
by Robin Leonard, John Lamb

Credit Repair (book with CD-Rom)
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Book Summary Information

Author: John Lamb, Robin Leonard
Edition: Paperback
Audio: English (Original Language); English (Unknown); English (Published)
Published: 2007-05-15
ISBN: 1413306357
Number of pages: 342
Publisher: NOLO

Book Reviews of Credit Repair (book with CD-Rom)

Book Review: A Must Read !!
Summary: 5 Stars

I bought this book a few years ago out of desperation, due to a divorce and an ex-husband destroying my perfect credit. This book enabled me to repair my credit and take the proper steps in a very difficult situtation. Things I never knew I was able to learn how to do. I am buying the updated version of this book and I lend it out all the time. I highly recommend this book.

Summary of Credit Repair (book with CD-Rom)

The acclaimed plain-English solution to fixing a bad credit report!

Perhaps you've had problems with credit. Or perhaps you haven't, but your credit report says you have anyway -- nearly 80 percent of credit reports contain errors.

Either way, a less-than-flattering report can hurt your chances of qualifying for credit card, loans, renting an apartment or finding a job.

But a bad credit report can almost always be improved or corrected. Credit Repair shows you how to fix your credit situation quickly and easily, explaining the necessary steps in plain English. Learn how to:

  • avoid overspending
  • establish a realistic budget
  • get out of debt now
  • build a financial cushion
  • read and understand your credit report
  • get mistakes on your credit report fixed
  • protect your social security number
  • avoid credit discrimination
  • get positive information added to your credit report
  • negotiate with creditors

    Credit Repair includes dozens of forms and letters on CD-ROM that will help you repair your credit as easily as possible!

    The 8th edition is completely updated with the latest information and laws, and now covers the new credit-scoring system designed to make reports more accurate.

    List of Forms

    Assessing Your Debt Situation
    Outstanding Debts Worksheet

    Avoiding Overspending
    Daily Expenditures Worksheet
    Monthly Income From All Sources Worksheet

    Handling Existing Debts
    Dispute Credit Card Bill (Letter)
    Error on Credit Card Bill (Letter)
    Make Payment if Negative Removed or Account Re-aged (Letter)
    Request Short-Term Small Payments (Letter)
    Request Short-Term Pay Nothing (Letter)
    Request Long-Term Pay Nothing (Letter)
    Request Rewrite of Loan Terms (Letter)
    Offer to Give Secured Property Back (Letter)
    Cashing Check Constitutes Payment in Full (Outside of California) (Letter)
    Cashing Check Constitutes Payment in Full-First Letter (California) (Letter)
    Cashing Check Constitutes Payment in Full-Second Letter (California) (Letter)
    Inform Creditor of Judgment Proof Status (Letter)
    Inform Creditor of Plan to File for Bankruptcy (Letter)
    Request Direct Negotiation With Creditor (Letter)
    Dispute Quality of Goods or Services Received (Letter) F-4: Monthly Budget

    Dealing with Collection Agencies
    Collection Agency Cease All Contact (Letter)
    Complaint About Collection Agency Harassment

    Cleaning Up Your Credit File
    Request Credit File
    Request Reinvestigation
    Request Follow-Up After Reinvestigation
    Request Removal of Incorrect Information by Creditor
    Creditor Verification
    Request Addition of Account Histories
    Request Addition of Information Showing Stability
    ID Theft Affidavit and Instructions
    Annual Credit Report Request Form


    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.

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