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  • Produktbild: The Credit Cleanup Book
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The Credit Cleanup Book Improving Your Credit Score, Your Greatest Financial Asset

65,99 €

inkl. gesetzl. MwSt., Versandkostenfrei

Beschreibung

Produktdetails

Einband

Gebundene Ausgabe

Erscheinungsdatum

14.10.2014

Verlag

Bloomsbury Academic

Seitenzahl

200

Maße (L/B/H)

24/16,1/1,5 cm

Gewicht

510 g

Sprache

Englisch

ISBN

978-1-4408-3182-9

Beschreibung

Produktdetails

Einband

Gebundene Ausgabe

Erscheinungsdatum

14.10.2014

Verlag

Bloomsbury Academic

Seitenzahl

200

Maße (L/B/H)

24/16,1/1,5 cm

Gewicht

510 g

Sprache

Englisch

ISBN

978-1-4408-3182-9

Herstelleradresse

Libri GmbH
Europaallee 1
36244 Bad Hersfeld
DE

Email: gpsr@libri.de

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  • Produktbild: The Credit Cleanup Book
  • Produktbild: The Credit Cleanup Book

  • Preface
    Acknowledgments
    ONE: Scratching the Surface
    A Brief and Not Too Boring History of Credit
    The Credit Bureaus
    Credit Scoring Is Born
    The Love Affair: FICO + CRAs
    FICO Score Aliases and Ranges
    Three Sides to the Story
    But Wait, There's One More
    Consumer Protections
    The Fair Credit Reporting Act (FCRA)
    The Fair and Accurate Credit Transactions Act (FACTA)
    Rise of Consumer Debt and Credit Crisis
    The New Guard: Dodd-Frank
    The Credit Reporting Trail
    How Your Actions Are Tracked, Compiled as Data, and Sold
    TWO: Getting Prepared
    The Practical
    Getting Organized
    Personal Laptop or Computer Security
    Cloud Security
    The Mental
    Jason Womack's Focus and Goal-Setting Tips
    Mary Joan Cunningham's Tips for Clarity and Goal Setting
    Jim Hartness and Neil Eskelin's Time Management Principles
    It's Time to Turn Your Credit Around
    THREE: The Credit Report
    Single vs. Tri-Merge Credit Reports
    Accuracy by Region
    Introducing: Barry Borrower
    The Sample Credit Report
    Getting Your Credit Reports
    Your Options: Free vs. Paid, Scores vs. No Scores
    FOUR: The Credit Score
    Anatomy of a Score
    Payment History = 35 Percent
    Amounts Owed = 30 Percent
    Length of Credit History = 15 Percent
    Credit Inquiries = 10 Percent
    Credit Mix = 10 Percent
    What Scores Like and Don't Like
    Payment History: Pay Your Bills on Time (35 Percent of Credit Score)
    Amounts Owed: Keep Your Balances within Reason (30 Percent of Credit Score)
    Length of Credit History (15 Percent of Credit Score)
    Credit Mix (10 Percent of Credit Score)
    Inquiries (10 Percent of Credit Score)
    FIVE: Checking and Correcting Your Credit Report
    Checking Your Credit Report
    Personal Information
    Credit and Trade Lines
    Inquiries
    Crosscheck Your Reports
    The Dispute Process
    Reinvestigation and Reverification
    Target Adverse and Negative Items
    Target Erroneous Items
    Dispute in Writing, Not Online
    The Magic Number: 30 Days
    Minimize or Separate Your Disputes per Letter
    Send Your Letters to CRAs and the Original Creditor
    Follow the Formula
    Include Evidence, Only if It Helps
    The Letters
    Fraud Alerts, Credit Freezes, and Consumer Statements
    SIX: Improving Your Credit Score
    Credit Improvement Tips
    Pay Bills on Time
    Keep Your Older Accounts Open
    Forget Older Derogatory Accounts
    Mind Your Balances
    Pay Down Your Debt
    Mix Up Your Credit
    Limit New Credit Applications
    A Word on ChexSystems
    Bank Account Alternatives
    SEVEN: Managing Debt
    Credit Card Debt Is the Costliest Debt
    Debt Management Tips
    Chris Welker's Tips for Getting out of Debt
    What's the Best Way to Deal with Huge Credit Card Debt?
    Debt Solutions
    Settle, Consolidate, Manage, or Repair
    Settling Your Own Debts
    Job Loss
    Bankruptcy
    Your Rights
    The Fair Debt Collection Practices Act
    Get Validation
    A Word on Student Loans
    Student Loan Options
    Student Loans and Credit
    Why Deferment Is Preferable to Forbearance
    EIGHT: Credit and Your Life
    Credit and Your Home
    The New American Dream
    Housing Squeeze on the Horizon
    The Sharing Economy
    That Was Then: Subprime Mortgages
    This Is Now: New Mortgage Rules, New (Safer) Subprime
    Credit and Entrepreneurs
    Credit and Business Loans
    Startup Funding and Alternatives to Business Lending
    Credit and Services
    Credit and Employment
    Credit and Love
    Wrecked by an Ex
    Important Questions
    A Good Credit/Bad Credit Partnership
    Marriage, Divorce, and Credit
    NINE: Practice Makes Habit
    Positive Credit and Money Behaviors
    The Latest and Greatest Apps and Tools
    Simple
    Mint
    Moneytrackin'
    BillGuard
    Check
    For Small Business Owners and Entrepreneurs
    Educational Resources
    Investing
    Endnotes
    Get on Track with Positive Credit Management Behaviors
    Notes
    Additional Resources
    Index