Bad credit can prevent you from getting a mortgage, car loan, credit card, apartment, or even a job. It can also mean paying a bundle more (in rates and fees) for any loans or credit you do get. If you have a low credit score, you ll end up paying substantially more in interest and fees to get a mortgage, car loan, credit card, or other loan. If your credit is really bad, you ll have to turn to subprime lenders, which are almost always a rip-off. And bad credit could even affect your ability to get a job. 1 out of 5 credit reports have errors. One out of five credit reports contain errors. More serious errors could result in a denial of credit or higher credit costs. 

Use this comprehensive how-to manual to rebuild bad credit and protect and improve good credit. Learn how to: fix errors in your credit report (1 out of 5 credit reports contain errors), choose the best credit repair strategy for your situation, avoid overspending, establish a realistic budget, negotiate with creditors to reduce debts, add positive information to your credit report, avoid identity theft and credit scams, and more.

This edition of "Credit Repair" is completely updated with the latest legal developments, and includes dozens of forms and letters that will help you spruce up your credit report as easily as possible!

Editorial Reviews
  • A solid, thorough, user-friendly resource accessible to anyone and everyone concerned about their credit rating.--The Midwest Book Review
  • A helpful guide for people who have sunk into debt, offers ideas for setting a budget and repairing credit history.-- Washington Times
  • A high quality, do-it-yourself credit repair approach...-- Reuters
  • How do you distinguish genuinely helpful credit-repair professionals from scam artists? Ask your library for books such as Credit Repair.-- Chicago Sun-Times
About the Author

Amy Loftsgordon has worked in the area of foreclosure and debt collection for over ten years. Her broad experience includes helping people fight collection actions and enforcing debtors' rights under the Fair Debt Collection Practices Act. As part of a national settlement involving the mortgage industry, she has also reviewed servicer records to uncover extensive credit reporting errors. Amy received a B.A. from the University of Southern California and a law degree from the University of Denver Sturm College of Law. She is licensed to practice law in Colorado. Amy has authored numerous foreclosure, debt, and real estate articles on Nolo.com and updated the last edition of Nolo's The Foreclosure Survival Guide.

Robin Leonard is a former attorney who gave up the law to become a rabbi. She is the author of many Nolo books including Solve Your Money Troubles: Debt, Credit & Bankruptcy and Credit Repair. She also helped write How to File for Chapter 7 Bankruptcy and A Legal Guide for Lesbian and Gay Couples.

Attorney Margaret Reiter was a consumer investigator with the Los Angeles County Consumer Affairs Department for four years and worked for 20 years as a consumer prosecutor with the California Attorney General's Consumer Law Section. She has investigated or prosecuted businesses engaged in consumer fraud including foreclosure consultants, mortgage lenders, debt settlement companies, vocational schools, living trust mill/annuity sellers, prepaid phone card companies, and tax refund anticipation loan providers. She has drafted consumer protection legislation, advocated for stronger consumer protection before regulatory agencies and trained other prosecutors.

Product Details

Author:  Margaret Reiter ,Robin Leonard, Amy Loftsgordon
ISBN:  1413321542   
Publisher:  NOLO
Publish Date:  June 30, 2015
Pages:  464 pages
Dimensions:  0.8" H x 8.9" L x 7.0" W (1.3 lbs) 

Credit Repair: Make a Plan, Improve Your Credit, Avoid Scams

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