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Author Rich, Jason.

Title Dirty Little Secrets : What the Credit Reporting Agencies Won't Tell You.

Publication Info. Irvine : Entrepreneur Press, 2013.


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Description 1 online resource (417 pages)
Contents Title Page; Acknowledgments; Preface; Introduction; CHAPTER 1 -- Determining Your Current Financial and Credit Situation; What Is Debt?; Determining Your Current Financial Situation; So, Where Do You Stand Financially?; Identifying Credit Mistakes You've Made in the Past; Setting Your Financial Goals and Objectives in Today's Economy; Your Financial Goals; What's Next?; CHAPTER 2 -- The Credit Reporting Agencies; What Is a Credit Reporting Agency, Anyway?; In Their Own Words . . .; What's Next?; CHAPTER 3 -- Credit Reports 101; A Preview of How Credit Scores Work; What Is a Credit Report?
The Anatomy of Your Credit ReportHow the Information on Your Credit Report Is Compiled; Who Can View My Credit Report?; Why Your Credit Reports Are So Important; What's Next?; CHAPTER 4 -- Solving Credit Score Mysteries; Prepare to Get a Bit Confused by Credit Scores; Understanding Credit Score Ranges; E = MC Is a Complex Formula ... Your Credit Score May Seem Just as Complex; Credit Score vs. FICO Score: What's the Difference?; What's a VantageScore 2.0?; The Inside Scoop on FICO Scores from the Company that Calculates Them; What's Next?
CHAPTER 5 -- Obtaining Your Credit Reports and Credit ScoresHow to Request Free Copies of Your Credit Report Annually; Obtaining Your Credit Report Online; Submitting Your Request by U.S. Mail; Requesting Your Free Credit Report by Telephone; The Cost of Obtaining Additional or More Frequent Credit Reports; What About Your Credit Score?; The Benefits of a Three-in-One Credit Report; You Have Your Credit Report, Now What?; What Your Creditors Have to Say About Your Credit Report; Figuring Out What Needs to Happen Next; Misconceptions and Bad Information Can Lead to Costly Mistakes; What's Next?
CHAPTER 6 -- How to Update or Fix Your Credit ReportReviewing Your Credit Reports; The Types of Information That Can Be Removed from Your Credit Reports; How to Correct Errors Listed in Your Credit Reports; Initiating Disputes with the Credit Reporting Agencies; Negotiating with Your Creditors; Know Your Legal Rights as a Consumer; Working with a Credit Counseling Company; Meet Collections Expert Michelle Dunn; What's Next?; CHAPTER 7 -- Ten Strategies for Improving Your Credit Rating; Your Actions Always Impact Your Credit Worthiness; Strategies for Improving Your Credit Rating.
Strategy 1: Pay Your Bills on Time, Every TimeStrategy 2: Keep Your Credit Card Balances Low; Strategy 3: Having a Long History Counts, So Don't Close Unused Accounts; Strategy 4: Only Apply for Credit When Needed, Then Shop for the Best Rates on ... ; Strategy 5: Separate Your Accounts After a Divorce; Strategy 6: Correct Inaccuracies within Your Credit Reports and Make Sure Old ... ; Strategy 7: Avoid Too Many Hard Inquiries; Strategy 8: Avoid Bankruptcy, If Possible; Strategy 9: Avoid Consolidating Balances onto One Credit Card.
Note Strategy 10: Negotiate with Your Creditors or Collection Agencies.
Summary What the credit bureaus don't tell you can cost you thousands. Jason Rich unearths these dirty little secrets in this tell-all expose' aimed at immediately improving your credit report. Whether you have credit problems, are trying to establish credit or want to improve your credit score, this previously undisclosed advice can help you save hundreds, perhaps thousands of dollars every month.
Note Print version record.
Subject Consumer credit -- United States.
Credit bureaus -- United States.
Credit bureaus -- United States.
Consumer credit -- United States.
Consumer credit. (OCoLC)fst00876277
Credit bureaus. (OCoLC)fst00882555
United States. (OCoLC)fst01204155
Genre/Form Electronic books.
Other Form: Print version: Rich, Jason. Dirty Little Secrets : What the Credit Reporting Agencies Won't Tell You. Irvine : Entrepreneur Press, ©2013 9781599184999
ISBN 9781613082294 (ebook)
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