American credit repair : everything u need to know-- about raising your credit score

American credit repair Everything u need to know-- about raising your credit score

Trevor Rhodes

Book - 2008

CD-ROM includes ready-to-print forms and letters, consumer protection resources, and more.

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Subjects
Credit scoring systems.
Credit scoring systems > Handbooks, manuals, etc.
Consumer credit > Handbooks, manuals, etc.
Consumer credit > Law and legislation.
Consumer credit.
Published
New York : McGraw-Hill c2008.
Language
English
Main Author
Trevor Rhodes (-)
Other Authors
Nadine Smith (-)
Physical Description
x, 373 p. : ill. ; 24 cm. + 1 CD-ROM (4 3/4 in.)
Format
System requirements for CD-ROM: PC; Windows 2000, XP or Vista; Adobe Reader (7.0 or later); Internet access (recommended); CD-ROM drive.
Bibliography
Includes index.
ISBN
9780071590662
9780071590693
9780071590686
  • Introduction
  • Chapter 1. The Basics of Credit Reporting, Part I: The Agencies and the Laws
  • Credit Reporting Agencies
  • The Fair Credit Reporting Act (FCRA)
  • The Fair and Accurate Credit Transactions Act (FACT Act)
  • Chapter 2. The Basics of Credit Reporting, Part II: The Data
  • Where Does Credit Report Information Come From?
  • What Is a Credit Score and Why Should U Care?
  • Chapter 3. The Basics of Credit Reporting, Part III: Who Is Entitled to See Your Credit File
  • Permissible Purpose
  • Employers
  • Illegal Requests for Your Credit Report
  • Chapter 4. Your Credit Report: Getting a Free Copy - For Real!
  • AnnualCreditReport.com
  • Annual Credit Report by Mail or Phone
  • FTC Facts for Consumers Brochure
  • Chapter 5. Understanding Your Credit Report: How to Read the Big Three
  • Personal Information
  • Employment Information
  • Scoring (Credit Score)
  • Public Records
  • Collections
  • Revolving Accounts
  • Installment Accounts
  • Mortgage Accounts
  • Inquiries
  • Chapter 6. Repairing Your Credit Report, Part I: The Dispute Process
  • FCRA Section 611
  • Inaccurate or Incomplete Information
  • FCRA Section 605
  • Outdated Negative Information
  • Negative Items That Do Not Belong to You
  • Chapter 7. Repairing Your Credit Report, Part II: The Dispute Letter
  • Verification Forms Used by CRAs
  • Fill-In Dispute Forms
  • Picking Your Battles
  • Writing Your Own Dispute Letter
  • Sample Dispute Letters
  • Sending Your Dispute Letter
  • What's Included in a CRA's Response to a Dispute
  • Chapter 8. Repairing Your Credit Report, Part III: When Things Don't Go Your Way
  • Sending a Second Dispute Letter
  • 100-Word Consumer Statement
  • Speak to a Professional If Necessary
  • The Reality of Suing a Credit Reporting Agency
  • Chapter 9. Collection Agencies: How to Deal with These Bad Guys
  • How a Collection Agency Operates
  • The Fair Debt Collection Practices Act (FDCPA)
  • Validation of the Alleged Debt
  • Drafting a Verification Request Letter
  • Stop Calling Me
  • Stop Calling My Employer
  • How to Settle with a Collection Agency
  • Chapter 10. How to Deal with Secured Accounts: Plus Student Loans & Tax Liens
  • Repossession
  • Foreclosure
  • Student Loans
  • Tax Liens
  • Chapter 11. Bankruptcy: The Pros and Cons of Filing
  • The Term "Bankruptcy"
  • Chapters 7, 11 and 13
  • Hiring a Bankruptcy Attorney
  • How Bankruptcy Affects Your Credit Report
  • Chapter 12. Raising Your Credit Score in 10 Days: Fast Fixes When Applying for a Mortgage
  • The Rapid Re-Score
  • Determining the Factors That Are Affecting Your Score
  • Assembling Your Evidence
  • Fast Fixes That Do Not Require Money
  • Fast Fixes That Require Money
  • Chapter 13. Marriage, Divorce and Credit: Being Prepared
  • Before You Get Married
  • During the Marriage
  • Planning for the Divorce
  • How to Handle Your Accounts and Creditors
  • Chapter 14. You've Been Served: What to Do When a Creditor Sues You
  • The Makeup of a Lawsuit
  • Service of Process
  • Your First Reaction
  • The Type of Court
  • Attorneys' Fees
  • Chapter 15. How to Establish or Re-Establish Credit: The Building Blocks
  • Gasoline and Department Store Cards
  • Visiting Your Neighborhood Banker
  • Secured Credit Cards
  • Using a Co-Signer
  • Becoming an Authorized User
  • Maintaining Your Credit
  • Conclusion
  • Appendix A. The FCRA: Fair Credit Reporting Act
  • Appendix B. The FACT Act: Fair and Accurate Credit Transactions Act
  • Appendix C. The FDCPA: Fair Debt Collection Practices Act
  • Appendix D. Bonus CD-ROM: The American Credit Repair Resource Center
  • Installation Instructions
  • Index

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