| Description |
288 pages : illustrations ; 23 cm |
| Bibliography |
Includes bibliographical references (page 269) and index. |
| Contents |
Introduction -- What is a credit score? -- The Fair Credit Reporting Act (FCRA) -- The Fair and Accurate Credit Transaction Act (FACT Act) -- Rights -- Accuracy -- Privacy -- Limits -- Obtaining credit files and credit reports -- Obtaining a credit score -- Online access to credit files, credit reports and credit scores -- Obtaining specialty consumer files and specialty consumer reports -- National check registries -- The credit report -- What is credit? -- Credit is debt -- Parts of a credit report -- Tax liens -- Non-tax liens -- Judgments -- Bankruptcies -- Foreclosures -- Vehicle repossessions -- Wage attachments or garnishments -- Student loans -- Arrest, indictments and convictions -- Accounts in collection and profit-and-loss accounts -- What's excluded from credit reports? -- Life of credit report entries -- Payment notations -- Credit scoring models -- The FICO scoring model -- FICO expansion scoring -- The VantageScore scoring model -- Other types of scoring models -- Credit risks -- Building credit -- Credit building accounts -- Upside down loans -- Vehicle loans -- Mortgage loans -- Student loans -- Accounts that will not help -- Co-signing -- Authorized use -- Third party accounts -- Expand and manage credit accounts -- Managing debt -- Repairing bad credit -- Consequences of bad credit -- Making application for credit -- Credit repair -- Obtaining a tax ID number -- Steps to repairing credit -- Outdated last reported place of employment -- Outdated account balances -- Duplicate accounts -- Discharged debts reported as charge offs -- Overdraft protection accounts -- Mismerged data -- Debts of an ex-spouse -- Credit reporting agency errors -- Credit furnisher errors -- Goals -- Income -- Expenses -- Savings -- Tax withholdings -- Adding information to a credit report -- Rate shopping for mortgage and auto loans -- Negotiate a forbearance program -- Negotiate a reduced payment schedule -- Dealing with debt collectors -- Contact -- Enforce the fine print -- Accept post-dated checks -- Report to credit reporting agencies -- Engage a revision of terms or settlement -- Filing suit for incorrect and inaccurate information -- Consumer credit counseling -- Accreditation -- Certification -- Legitimate credit counseling services fees -- Services offered by credit counseling services -- Credit counseling scams -- Referrals for credit counseling services -- Identity theft -- Phishing -- Fraud alerts -- Security freezes -- Safeguarding credit information -- Safeguarding computer systems -- Safeguarding postal mail -- Filing bankruptcy -- The bankruptcy abuse prevention and consumer protection act (BAPCPA) -- The means test and qualifying for protection under Chapter 7 -- Qualifying for protection under Chapter 13 -- The decision to file bankruptcy -- Life after bankruptcy -- Renting -- Insurance -- Employment -- Self image -- Debt management vs. bankruptcy -- Maintaining good credit -- Maintain a healthy balance of credit -- Visa and Mastercard -- Discover card -- American Express -- Department store cards -- Gasoline cards -- Specialty credit cards -- Manage credit accounts -- Finance charges -- Annual fees -- Grace periods -- Penalty fees -- Balance calculation methods -- Types of credit card users -- How to save on credit card use -- Hidden costs of credit cards -- Manage insurance coverage -- What doesn't help -- Conclusion -- References -- Author biography and dedication -- Glossary -- Index. |
| Subject |
Credit scoring systems -- United States.
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Consumer credit -- United States.
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Credit ratings -- United States.
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| ISBN |
9780910627948 alkaline paper |
|
0910627940 alkaline paper |
|
