Credit repair
Book - 1996
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- Subjects
- Genres
- Handbooks and manuals
Law for laypersons - Published
-
Berkeley, CA :
Nolo
1996-
- Language
- English
- Physical Description
- volumes : illustrations, forms ; 23 cm
- Bibliography
- Includes index.
- ISBN
- 9781413332094
- Your Credit Repair Companion
- 1. The Elements of Repairing Credit
- 2. Credit Reports and Credit Scores: The Nuts and Bolts
- How Creditors Evaluate Your Creditworthiness
- Credit Reports and Credit Scores: What Are the Differences?
- Your Credit Reports
- Getting Your Credit Reports
- What Is in a Credit Report?
- Investigative Reports
- Who Can Look at Your Credit Report
- Your Credit Score: What It Is and Why It Matters
- How Credit Scores Are Calculated
- What Credit Score Do You Need to Get Credit?
- Getting Your Credit Score
- 3. The First Step to a Better Credit Score-Cleaning Up Your Credit Report
- Common Errors in Credit Reports
- Your Right to an Accurate Credit Report
- Review Your Report for Errors and Incomplete or Prohibited Information
- Dispute Incomplete and Inaccurate Information
- Add an Explanatory Statement to Your Credit File
- Add Positive Information to Your Credit Reports
- Check Your Credit Reports Often
- Avoid Credit Repair Companies
- 4. Assess Your Financial Situation
- How to Assess Your Financial Situation
- Determining Your Credit Repair Options Based on Your Financial Situation
- 5. Reducing Current Expenses and Debts
- Cutting Expenses
- Reducing Current Debt Obligations
- Reducing Mortgage Debt
- Filing for Bankruptcy
- 6. Finding Money to Pay Your Debts
- Ways to Raise Money
- Options to Avoid
- 7. Negotiating With Creditors and Debt Collectors
- Prepare a Plan
- Negotiating With Creditors and Debt Collectors
- Dealing With Debt Collectors
- Tax Consequences of Forgiven Loans
- 8. Getting Help Negotiating and Managing Debts
- Avoid Most Debt Relief Services
- How Does a Debt Management Plan Work?
- Debt Management Plans vs. Chapter 13 Bankruptcy
- Choosing a Good Credit Counseling Organization
- After You've Chosen an Agency, Monitor Your Plan
- 9. Building Positive Credit History
- First Steps to Rebuilding Credit
- Ways to Improve Your Credit History Without Getting New Credit
- Next Step to Rebuilding Credit-Getting New Credit
- Putting It All Together: Preventing Future Financial Problems
- Be on Guard for Credit Discrimination
- 10. Choosing and Using Credit Cards
- Choosing Credit Cards
- Using Credit Cards: How to Protect Yourself
- 11. Avoiding and Dealing With Identity Theft
- The Crime of Identity Theft: The Scope of the Problem
- What's in a Stolen Name?
- How Can an identity Be Stolen?
- How to Protect Yourself
- Protecting Your Social Security Number
- If Your Identity is Stolen
- Identity Theft Protection Products and Insurance
- Appendixes
- A. Resources
- Debtors Anonymous
- Nolo Publications
- Other Publications
- Online Resources
- Where to Complain: Federal Agencies
- State Consumer Protection Agencies
- B. How to Use the Downloadable Forms on Nolo.com
- Editing RTFs
- Downloadable Forms Available on the Nolo Website
- Index