 | Interest rate is your number one financial enemy and credit score is the key to destroying that enemy. Who says you have to pay a 10, 15 or 20 percent interest rates while others are paying 0%? Who says you have to work all day only to hand over your hard earned money to someone else in the name of high interest rates? Enough is enough; get up and do something! It's time you pulled the plug on high interest rates-and the time is now! Originally, banks charged interest rates on people who borrowed money from them, and a credit scores were used to find out if those people would be able to pay them back. Not anymore! It's gotten complicated! Did you say, "It's none of my business, I don't borrow money"? That's what you think! Everything you do now depends on your credit score. "If you can't beat them, join them" is the name of the game! Did you know the following entities are looking at your credit report right now? Employers, insurance companies, mortgage lenders, auto finance companies, landlords, credit card companies, department stores, furniture stores, utility companies, school loan lenders, collection agencies, judgment creditors, government agencies, banks, savings and loans, credit unions, and a host of other businesses with "legitimate business needs?" The list is endless! You got it! Every business is judging you by your credit score. And a low credit score is robbing you; it's time to fight back! I know you're asking yourself, "Who created this credit score?" You! Yes, you did! You have been creating a low credit score for yourself without knowing it all these years. You can start creating a good credit score today, and I can show you how. You've heard it before, "No credit? No problem! Bad credit? No problem!" What they don't tell you is, "We are taking you to the cleaners!" When you buy a car or a house with a low credit score you are paying for the price of the car or house-many times over. It doesn't have to be like that. It's no one's fault but yours! What you don't know can hurt you-but not anymore. I have good news for you. You have in your hand a book that will show you the way to a high credit score. This is the most powerful step by step book on repairing and improving your credit report, ever! Everything is laid out for you, all the forms and all the letters you will ever need are included. What is it worth? It's priceless! Congratulations! You have taken the first step on your road to a higher credit score. If you follow the steps I've outlined in this book, your credit score will never be the same-guaranteed! |   |  |
 | How much money do you want to save? Your credit rating can save, or cost you a lot of money. Do you know the four sections of your credit report which determine your credit rating? How can you raise your FICO® credit score and improve your credit rating if you don't know those four critical sections? A less than stellar credit score can decrease the chance of you being hired, and increase your insurance premiums and interest rates on credit cards, mortgage, auto and personal loans. Your credit report is one of your most important financial documents. Yet, very few people know how to properly read their credit report so they can improve their credit rating. How proficient are you with your credit report? "Understanding Your Credit Report" is a timely and valuable investment to help you manage your credit report and FICO® score. Al Bingham, nationally renowned credit score expert, and mortgage specialist Sybil Creasy narrate, break down and provide critical details about each section of your credit report. The 37-minute video and the accompanying workbook outline relevant tips about the four critical sections that affect your credit rating and what you can do to take control of your credit score. Federal, state and community housing representatives, and educators have called "Understanding Your Credit Report" the best narrative on credit reports and credit scores available to the public. Your investment in this educational video will save you money because what you don't know can cost you lots of money! It is worth the investment. How much money do you want to save? You can save much more tomorrow by building your credit rating today. It starts with understanding your credit report! | | |
 | Credit problems? Get the acclaimed plain-English guide to fixing your credit report! Nearly 80 percent of credit reports contain errors. In a tough economy when credit is tight, you need to be certain that your financial records are correct and up-to-date. A less-than-flattering report can hurt your chances of qualifying for credit card, loans, renting an apartment or even 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 spruce up your credit report as easily as possible! The 9th edition has been completely updated to reflect the latest changes in the law, including the new rules for the HOPE for Homeowners Act, and additional information and forms that will help you regain your good name should your identity ever be stolen. (20080202) | | |
 | Are you looking for a FRESH START? More than five million consumers have filed bankruptcy in the last five years, and millions more have considered it because of their low credit score or what is on their credit report. Millions more have been refused credit because of inaccurate, incomplete, or out-of-date information in their credit files. Let The Complete Credit Repair Kit help you clean up your credit report, improve your credit score, lessen your debt, and cope with your financial difficulties. The Complete Credit Repair Kit will teach you how to quickly and easily get your finances back on track. This new, easy-to-understand edition includes information on budgeting your money, obtaining your credit report, fixing your credit, and preventing identity theft. It explains everything you need to know to legally repair your credit, without confusing legalese. This book includes a complete glossary as well as over 40 forms and letters you can use to repair your credit score. A CD-ROM is also included that contains all the blank forms and letters so readers can more easily utilize them. LEARN HOW TO: Understand what your credit score means Read your credit report Negotiate with your creditors for lower payments Get changes made to your credit report Includes READY-TO-GO FORMS with Step-by-Step Instructions ESSENTIAL INFORMATION YOU NEED TO: Improve your credit score Lessen your debt Consolidate student loans Prevent identity theft "From beginning to end, this book is packed with logical remedies for common, and some not-so-common, dilemmas." Suite101.com "One of the easiest reading books on this subject." About.com | | |
 | Low credit score could be costing you thousands of dollars each year. I know you've been wondering how you could change all that by increasing your credit score. Wonder no more! This is the most comprehensive and highly accelerated credit score system - ever! This is a no-nonsense, step by step, practical manual on how to repair your credit report and increase your credit score. Your time will not be wasted on long speeches like other books do. It shows you exactly what letters to write and tells you exactly what reply you'll receive. This priceless book will show you: 1. How to write professional letters that get your credit report corrected instantly. Sample letters you can mail for instant results. 2. How to write aggressive letters to collection agencies that command their respect and force them to cooperate with you and obey the law. 3. How to use sophisticated strategies to write letters that get the attention of the credit bureaus and make them to increase your credit score immediately. 4. How to negotiate aggressively with businesses and collection agencies for pennies on a dollar, and much, much more... | | |
 | Credit Scores & Credit Reports provides the first thorough examination of the all-important, but little understood, credit scoring and credit reporting systems. The Third Edition of this highly-acclaimed book enables consumers to understand how both of these systems actually work, and what they can do to improve their FICO scores, and to ensure their credit reports are accurate. Importantly, the book also describes how the system sometimes doesn t work, and how hundreds of thousands if not millions of consumers have been frustrated in their efforts to correct errors in their credit reports. Moreover, it explains: * Link between credit reports and the burgeoning problem of identity theft *How credit card companies use credit scoring to raise your interest rates * The role of credit scores in auto and homeowners insurance *The difference between mortgage rates for consumers with excellent, good, fair, and poor credit scores *The damages to consumers, and their creditworthiness, stemming from credit report inaccuracy and identity theft Credit reports and debt collection * The debate over credit scoring and discrimination The politics of credit reporting | | |
 | This book discusses the three amendments that the SEC Commission is proposing that would impose additional requirements on nationally recognized statistical rating organizations ('NRSROs') in order to address concerns about the integrity of their credit rating procedures in the light of the role they played in determining credit ratings for securities collateralised by or linked to subprime residential mortgages. The Commission today makes a proposal related to structured finance products rating symbology. Thirdly, this book discusses the rule amendments that the Commission intends to propose that would be intended to reduce undue reliance in the Commission's rules on NRSRO ratings. In August 2007, the Securities and Exchange Commission's Staff initiated examinations of three credit rating agencies, to review their role in the recent turmoil in the subprime mortgage-related securities markets. The purpose of the examinations was to develop an understanding of the practices of the rating agencies surrounding the rating of RMBS and CDOs. This book includes a summary report by the Commission's Staff of the issues identified in those examinations. Finally, an overview of the subprime mortgage securitisation process is provided as well as the seven key informational frictions that arise. Ways that market participants work to minimize these frictions is discussed and how this process broke down is speculated. Key structural features of a typical subprime securitisation is presented, and how rating agencies assign credit ratings to mortgage-backed securities is documented. How these agencies monitor the performance of mortgage pools over time is also outlined. | | |
 | Your credit score affects every aspect of your financial life including qualifying for loans and mortgages, low interest rates, housing, employment opportunities, and even insurance premiums. Millions of Americans have negative, inaccurate, and unverifiable information on their credit report. Repairing your credit profile is one of the most important financial decisions you can make. You re about to take the important step of taking control of your credit! If you re like the average American, having improved credit will save you thousands of dollars on your loans and credit cards. You do not need a credit repair clinic. Save the money. Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost using the plan in this new book. There are federal laws in place to make sure that you can repair problems on your credit report and increase your credit score. These laws are found in the Fair Credit Reporting Act. This book will show you how to use your legal rights to increase your credit score. You will learn how to remove questionable items from YOUR credit reports, including: late payments, collections, judgments, liens, charge offs, bankruptcies, foreclosures, repossessions, and identity fraud. This new book will be your road map to credit repair information, and give you tips on how to maintain a stronger credit profile, repair bad credit, improve credit scores, and correct personal information. | | |
 | Credit rating agencies play a critical role in capital markets, guiding the asset allocation of institutional investors as private capital moves freely around the world in search of the best trade-off between risk and return. However, they have also been strongly criticised for failing to spot the Asian crisis in the early 1990s, the Enron, WorldCom and Parmalat collapses in the early 2000s and finally for their ratings of subprime-related structured finance instruments and their role in the current financial crisis.This book is a guide to ratings, the ratings industry and the mechanics and economics of obtaining a rating. It sheds light on the role that the agencies play in the international financial markets. It avoids the sensationalist approach often associated with studies of rating scandals and the financial crisis, and instead provides an objective and critical analysis of the business of ratings. The book will be of practical use to any individual who has to deal with ratings and the ratings industry in their day-to-day job.Reviews"Rating agencies fulfil an important role in the capital markets, but given their power, they are frequently the object of criticism. Some of it is justified but most of it portrays a lack of understanding of their business. In their book The Rating Agencies and their Credit Ratings, Herwig and Patricia Langohr provide an excellent economic background to the role of rating agencies and also a thorough understanding of their business and the problems they face. I recommend this book to all those who have an interest in this somewhat arcane but extremely important area."-Robin Monro-Davies, Former CEO, Fitch Ratings."At a time of unprecedented public and political scrutiny of the effectiveness and indeed the basic business model of the Credit Rating industry, and heightened concerns regarding the transparency and accountability of the leading agencies, this book provides a commendably comprehensive overview, and should provide invaluable assistance in the ongoing debate."-Rupert Atkinson, Managing Director, Head of Credit Advisory Group, Morgan Stanley and member of the SIFMA Rating Agency Task Force"The Langohrs have provided useful information in a field where one frequently finds only opinions or misconceptions. They supply a firm base from which to understand changes now underway. A well-read copy of this monograph should be close to the desk of every investor, issuer and financial regulator, legislator or commentator."-John Grout, Policy and Technical Director, The Association of Corporate Treasurers | | |
 | "Being in the credit industry for the past 25 years, I have never seen a better educational video about credit scores than The Quest for 850. It is a must for everyone!" Michael Beane - Account Manager at Certified Credit Reporting. In its premier at a housing conference in March 2010, The Quest for 850 was given "the best educational tool available on credit" by several federal housing authorities. The Quest for 850 is narrated by Al Bingham and Sybil Creasey. It consists of four separate videos; (1) Understanding Your Credit Report, (2) Building Your Credit Score, (3) Common Errors in Credit Reports and (4) Consumer Mistakes. Do you know the four sections of the credit report that determine your credit rating, or how opening or closing an account can affect your scores? Understanding Your Credit Report is a visual tutorial that walks through your credit report and identifies important points of emphasis to improve your scores. Are you looking to build or rebuild your credit score 60 points in 60 days? Building Your Credit Score identifies 30+ factors that affect your FICO scores. Knowing what issues affect your scores will help you know what to do. A second section to this video, Analyzing Your Credit Score, will help you review and identify areas for credit score improvement. Have you seen an error in your credit report? Since most credit reports have mistakes, you need to know what they are and where to look. Common Errors reveals 15 mistakes in a credit report. Should you apply for credit or close an account? You make dozens of credit decisions each year. Are you making the right choices? Consumer Mistakes details 12 common mistakes consumers make that can suddenly drop credit scores. From that merchant discount to buying a new car or home, this is one valuable resource that can save you thousands of dollars. Workbooks accompany each DVD. The Quest for 850 will show the right direction as you build your credit score. It is a must buy! | | |
 | 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. | | |
 | These two discs DVDs was edited word for word by the people who created the FICO(R) score-Fair Isaac Corporation. These DVDs will help you establish, build, fix, improve, maintain and protect the three most important numbers to your financial health, your FICO(R) score. With the most accurate and up to date information, you will learn in these DVDs the truth about credit scores, credit reports, how credit scores were developed, how your credit score is calculated, what the credit bureaus do, the do's and don'ts of good credit health, when 'good advice' can be very bad. You'll also learn how to get your real free credit report and avoid bogus "free" reports, how to stop unsolicited offers, how to freeze access to your credit report, how to dispute inaccurate reported information, how to place fraud alerts, when to order Rapid Rescoring, how to make the best use of the Deduping Period and how you should never give a way the last four digits of your Social Security Number and more.. It's a Hollywood production, filled with visuals, graphics and anecdotes that demystify this often very complex subject. These DVDs are divided into chapters so you can learn at your own pace and apply the lessons learned immediately. Producer: Nabil Captan Director: James Becket Award Winning Director Narrator: Ginny Ferguson Nationally Renowned Credit Expert Editor: Norm Anderson | | |
 | You see many advertisements today on television, radio and the internet to check your credit score. What does it mean? Do you know where to find and track your true credit score used by most ledners? What is a respectable credit score in today's enviroment -- 680, 720 or even 760. The answer is as high as you can get it. Do you know what steps to take to improve your credit score? Building Your Credit Score identifies and breaks down the five elements of a credit score -- Payment History, Debt, Length, New Accounts and Mixture of Debt -- into dozens of sub-measurements of your credit score. It provides acceptable ranges for a variety of factors for your credit score. Finally, a bonues section called Analyzing Your Credit Score allows you to take your credit report and complete a self-analysis on your credit scores. This review will help you identify areas of concern that you will need to address to improve your credit scores. This analysis is like no other and provides an in-depth review that will help you improve your credit scores. Federal, state and local housing authorities have called Building Your Credit Score the best self help program available for the consumer to help identify areas for improving their credit scores. It is that good. there are two-eight page workbooks that come with each segment of this video. How fast can you raise your credit score to 800 or higher? This video will definitely identify the correct path for you to go. | | |
 | The Definitive Guide to Raising Your Credit Score Whether you're recovering from financial problems or need to pump up your score to qualify for a mortgage, you need reliable information and expert guidance to fix and improve your credit rating. Drawn from years of experience helping thousands of consumers, American Credit Repair empowers you with “Everything U Need To Know…” to raise your credit score. Everything U Need to Know about Credit Repaire Obtaining and understanding consumer credit reports Correcting past mistakes and planning for the future Disputing inaccurate data on your credit file Dealing with collection agencies Avoiding foreclosure and bankruptcy BONUS CD-ROM FEATURES: Ready-to-print forms and letters to repair your credit on your own plus vital consumer protection resources you can't do without, and much more! | | |
 | Release Date: 2003-09-15, Audio CD, Solid Gold Records | | |
 | Turbo Credit is a patent-pending software program designed to challenge and dispute any negative items that appear on a credit report. Turbo Credit features the TurboDispute Generator which generates dispute documents for Transunion, Experian and Equifax in minutes. Turbo Credit also includes TurboStop, an interactive software document that will legally stop the harrassing and annoying calls from the creditors. Turbo Credit will help get the most up-to-date and current credit report possible that will also maximize and improve credit scores. The Turbo Credit Advantage: Empowers American consumers to manage their own credit in the privacy of their own home. The Turbo Credit system is a similar system that financial, credit and debt professionals utilize for their professional fee-based services Turbo Credit allows American consumers to personally manage their credit just as millions of Americans use software programs to manage their money, budget and personal finances Turbo Credit provides the tools that can help consumers: Lower interest rates and get approved for home loans, auto loans, credit cards, etc., while getting the accurate credit report they deserve by law Challenge and dispute fraudulent and false information Improve credit scores by helping to remove inaccurate and erroneous information such as late payments, collections, charge-offs, judgments, inquiries, etc . . . Fight identity theft issues that appear on credit reports Turbo Credit helps the law work for you! It's the law! Information must be accurate and verified before it is entered on credit reports! If "reasonable procedures" have not been correctly followed by creditors or the credit reporting agencies, then any verified inaccuracies must be removed from their credit reports as defined in the Fair Credit Reporting Act (FCRA). Turbo Credit helps protect American Consumers rights guaranteed by the FCRA. | | |
 | This book contains everything you need to NEED to know about your credit, even if it is excellent. Good credit is sexy covers topics such as identity theft, getting rid of junk mail, getting a mortgage or auto lease, and of course, how to fix your credit...... Do you carry around a pocket full of cash, telling your friends that cash is the ticket because no one will give you credit cards? You don't have to be a conservationist to want to stop all the junk mail paper waste. The book contains complete instructions for virtually eliminating junk mail, a method key in the prevention of identity theft. Are you afraid to have people over because the bill collectors are always calling? Is your credit card debt fast approaching the national deficit? The book tells you how to get out of debt without using a debt-counseling agency or filing bankruptcy. Considering leasing that automobile? You would be surprised to know how lease payments are calculated. The book gives valuable tips to avoid being ripped off at the dealership. Do you carry around a pocketful of cash, telling your friends cash is the ticket because no one will give you a credit card? The book tells you how to get a credit card (so you can impress a new love interest with an over-the-top dinner at that new trendy restaurant) Ever hear of Fair Isaac? This is the company literally holding your quality of life in its hands as it is responsible for creating the credit scoring system. The book explains how the company developed the credit score, and how your score is calculated using inside information from a US Federal Trade Commission presentation. Haven't you always wondered how loan officers come up with their fees? Did you know that all fees are negotiable? Find out how you can pay less in mortgage costs, and how to watch out for the bad guys who will overcharge you. Think your divorce papers put an end to those joint debts? Not a chance. The book tells you what your lawyer "forgets" to mention. Is your credit shot? The book gives complete instructions for toning up those flabby muscles on your credit report. | | |
 | Great Credit is essential today. Without great credit you cannot get a mortgage, finance a car, obtain a credit or even charge a good meal at a fine restaurant. Whatever credit you can get you will pay a premium for. Nearly everything you buy on credit will be more costly. America is a credit society. We buy nearly everything on credit. Without credit, you are forced to pay as you go. You can buy only what you can immediately pay for. If that's your plight, Great Credit...Guaranteed! can help you change your life. If you have no credit, it will show you how to establish credit. If you have bad credit, it will show you how to turn it into good credit. If you have good credit, it will show you how to develop great credit. | | |
 | Credit: The Double-Edged Sword is an in-depth look at the world of credit, its intent, and its reality. Although it is written for teenage comprehension, adults should not be fooled; this powerful message opens the understanding of credit and the people behind it. Real life stories' explaining how this thing called credit has made its way into the homes, businesses, and lives of the world. Understand the strategies and psychology hidden in the fine print, marketing messages, sales pitches, and promises. This book on credit delves deep into the specifics of everything from building credit to maintaining credit; credit reports to credit scoring; good and bad debt; loans to credit cards, and so much more. Rightfully called The Double-Edged Sword, credit can work either for you or against you. It all depends on your knowledge and usage; riches have been gained and futures have been devoured from the power of credit and debt, it is the Yin-Yang of finance. This book is a must read for teens and adults of all ages; credit has never been so thoroughly explained and so candidly presented. | | |
 | This DVD was edited word for word by the people who created the FICO score-Fair Isaac Corporation. This DVD will help you establish, build, fix, improve, maintain and protect the three most important numbers to your financial health, your FICO score. With the most accurate and up to date information, you will learn in this DVD the truth about credit scores, credit reports, how credit scores were developed, how your credit score is calculated, what the credit bureaus do, the do's and don'ts of good credit health, when 'good advice' can be very bad and much more... It's a Hollywood production, filled with visuals, graphics and anecdotes that demystify this often very complex subject. The DVD is divided into chapters so you can learn at your own pace and apply the lessons learned immediately. Producer: Nabil Captan Director: James Becket Award Winning Director Narrator: Ginny Ferguson Nationally Renowned Credit Expert Editor: Norm Anderson | | |
 | These two discs DVDs was edited word for word by the people who created the FICO(R) score-Fair Isaac Corporation. These DVDs will help you establish, build, fix, improve, maintain and protect the three most important numbers to your financial health, your FICO(R) score. With the most accurate and up to date information, you will learn in these DVDs the truth about credit scores, credit reports, how credit scores were developed, how your credit score is calculated, what the credit bureaus do, the do's and don'ts of good credit health, when 'good advice' can be very bad. You'll also learn how to get your real free credit report and avoid bogus "free" reports, how to stop unsolicited offers, how to freeze access to your credit report, how to dispute inaccurate reported information, how to place fraud alerts, when to order Rapid Rescoring, how to make the best use of the Deduping Period and how you should never give a way the last four digits of your Social Security Number and more.. It's a Hollywood production, filled with visuals, graphics and anecdotes that demystify this often very complex subject. These DVDs are divided into chapters so you can learn at your own pace and apply the lessons learned immediately. Producer: Nabil Captan Director: James Becket Award Winning Director Narrator: Ginny Ferguson Nationally Renowned Credit Expert Editor: Norm Anderson | | |
