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Author: John Panzella Publisher: AuthorHouse ISBN: 149691175X Category : Business & Economics Languages : en Pages : 142
Book Description
Originally released in 2014 and updated regularly to remain current, Give Yourself Some Credit has helped thousands of young people throughout the United States improve their understanding of credit, ultimately strengthening their financial standings. Our credit reports play a critical role in our financial profiles. They can also affect our ability to obtain credit, housing, or employment, yet credit can be a very confusing topic to navigate. There’s a multitude of information written about credit in articles, books and on the internet, but where is a good place to start – especially for students and other young adults new to the world of credit? Give Yourself Some Credit is the perfect starting point! This easy-to-read book provides just the right amount of information to help the reader with establishing and building a personal credit file. It focuses on the tools and skill-sets associated with building credit from the start and maintaining a positive, healthy credit profile throughout life. In addition, it helps form a solid foundation for the discipline and responsibility needed for managing and controlling lifetime spending habits.
Author: John Panzella Publisher: AuthorHouse ISBN: 149691175X Category : Business & Economics Languages : en Pages : 142
Book Description
Originally released in 2014 and updated regularly to remain current, Give Yourself Some Credit has helped thousands of young people throughout the United States improve their understanding of credit, ultimately strengthening their financial standings. Our credit reports play a critical role in our financial profiles. They can also affect our ability to obtain credit, housing, or employment, yet credit can be a very confusing topic to navigate. There’s a multitude of information written about credit in articles, books and on the internet, but where is a good place to start – especially for students and other young adults new to the world of credit? Give Yourself Some Credit is the perfect starting point! This easy-to-read book provides just the right amount of information to help the reader with establishing and building a personal credit file. It focuses on the tools and skill-sets associated with building credit from the start and maintaining a positive, healthy credit profile throughout life. In addition, it helps form a solid foundation for the discipline and responsibility needed for managing and controlling lifetime spending habits.
Author: Connie Brighton Publisher: ISBN: 9781502423306 Category : Languages : en Pages : 46
Book Description
This book is meant to be a brief introduction into raising credit. It's short and to the point. In it I outline the steps that I actually completed myself to improve my credit worthiness.Talking about financial issues, credit reports, old bills sent to collections, or any kind of debt can be extremely uncomfortable for some people.It certainly was for me.When I was in my early 20s, I made a lot of financial decisions that I regretted later on. As a single mom working full-time and going to school full-time, I was just trying to keep my head above water. I let my fear lead me into dysfunctional relationships and chose to be in two successive relationships with men that just couldn't take care of themselves. They weren't bad people, just unable to keep jobs, or stay sober, or stay out of some kind of financial trouble . . . the list goes on.This book lays out the steps that I took myself to raise my credit score and improve my credit. I was also able to get rid of the anxiety I had about my depressing financial situation.Start your new financial future today. Scroll up and buy this book.
Author: Liz Weston Publisher: FT Press ISBN: 013421112X Category : Business & Economics Languages : en Pages : 324
Book Description
Improve your credit score, for real, with the #1 best-selling guide you can trust! Today, a good credit score is essential for getting credit, getting a job, even getting car insurance or a cellphone. Now, best selling journalist Liz Pulliam Weston has thoroughly updated her top-selling guide to credit scores, with crucial new information for protecting (or rebuilding) yours. Weston thoroughly covers brand-new laws and rules surrounding credit scoring — including some surprising good news and some frightening new risks. Don’t settle for an out-of-date guide to credit scoring, when Your Credit Score, Fifth Edition offers brand-new coverage of all this, and more: Recent consumer-friendly reforms in lending, credit score calculation, and credit bureau behavior — and how to take advantage of them How you can finally get your credit disputes reviewed by an actual human being Why recent medical debts shouldn’t impact your score anymore How to get a legitimately free FICO score without getting ripped off How lenders have recently loosened their criteria, making it easier to get loans even if your credit isn’t perfect Important new options for student loan borrowers — including brand-new ways to dramatically limit your payments How tax refund fraud is soaring — and the one little-known way to avoid becoming a victim The disappearance of "manual underwriting": why it’s now virtually impossible to get a mortgage without credit scores Weston updates her guidance on raising your FICO score... fighting lower limits or higher rates... maintaining the right mix of cards and balances... bouncing back from bad credit... choosing credit "solutions" that help, not hurt... explodes both new and old myths about credit scoring... and much more. Your Credit Score is for every consumer who is concerned about improving or protecting their credit — and it’s so up-to-date and useful, thousands of financial professionals use it, too!
Author: Eddie D. Furguson Publisher: Living Plus Healthy Publishing ISBN: Category : Business & Economics Languages : en Pages : 83
Book Description
Do you or someone you know have bad credit or no credit at all? If so, pay close attention! And, if you really want to know the facts about credit, this book is definitely for YOU! This book covers everything there is to know about building a great credit score and it's understandable to the average person! In fact, some people have called it the "Credit Manual"! You'll uncover a wide array of tips, including how to repair your credit today! It even includes a sample letter that you can use to send to credit bureaus for disputing credit report errors and repairing your credit. It's like having your very own credit expert that you can reference and ask questions any time you need to! Through this book, you are going to learn what you will need to know about how to get rid of your bad credit and raise your credit score to 750 or more. You will discover: - What Are FICO Scores? - How To Find Your Score? - How To Get Your Credit Report For Free? - What Is The Best Credit Score To Get Super Low Interest Loans? - How To Raise Up Your Credit Score To 750 And Above? - The Very First Thing To Take When Raising Your Credit Score - Ways To Start Establishing A Good Credit - How To Repair Your Bad Credit Score? - How To Read The Secret Codes On Your Credit Report - How to Dispute & Fix Errors on Your Credit Report - Definitions Of The Eight Types Of Public Records - Things Need To Observe When Applying For A Mortgage - The Ugly Truth About Credit Counselors And Debt Consolidators That They Wish You Never Find Out - How To Prevent Identity Theft And What To Do If Your Identity Is Stolen - How Does Bankruptcy Affect Your Credit - And Much More...
Author: Scott A. Wheeler RT (R) (MR) (CT) Publisher: Trafford Publishing ISBN: 1466908114 Category : Business & Economics Languages : en Pages : 129
Book Description
Economically, times are tougher today. The family budget is tighter. This book in your hands will show you how to make some extra money throughout the year. This cash can fill in your budgetary shortfalls. This is a how-to book about making money off credit card companies. In this book, a step-by-step instruction is given about how to make money by paying your monthly expenses with your credit card. In this book, you will learn what a sign-up bonus ishow to earn and redeem a sign-up bonus. You will also learn about cash-back bonuses, how they work, and how to redeem the cash-back bonus. After reading this book, you will be able to transfer a balance between credit cards without paying that nasty 3 percent to 5 percent balance transfer fee. Also, you will learn to avoid paying interest charges. Paying interest and balance transfer fees are detrimental to your financial health. The chapters are set in a story format to make learning easier and more enjoyable. You will meet Ralph and Susan as they learn to cash in sign-up bonuses for some extra cash. You will see how Granny pays for Christmas with the credit card companys money. Christy will show you how she buys new shoes by just paying her bills. Plus you will meet several other characters in other situations and circumstances. This book will teach you how to do the same things and more. Now it is your turn to earn some extra cash! It is time for cashing in on credit cards! Make money by paying your bills!
Author: Guy Krzanowski Publisher: Booktango ISBN: 1468963791 Category : Education Languages : en Pages : 20
Book Description
This book is about some steps to help you repair your credit or gain credit. Simple no nonsense easy to follow guide. Its hard to get credit without taking out a loan for something you don't need. Here is a way no one taught you. Bankers agree this is a great way to do it and minimize risks for everyone while not putting you in debt either but helping you fix yourself, credit and bank account..
Author: Carolyn Warren Publisher: Pearson Education ISBN: 0132476010 Category : Business & Economics Languages : en Pages : 28
Book Description
This Element is an excerpt from Homebuyers Beware: Who’s Ripping You Off Now?--What You Must Know About the New Rules of Mortgage and Credit (ISBN: 9780137020164) by Carolyn Warren. Available in print and digital formats. Nine practical ways to raise your score--quickly and easily! Do you just love supporting the fat cats on Wall Street? Want more of your hard-earned money going to increase their profits? No? Then you must pay attention to your credit score so you can qualify for a lower interest rate and pay less. Your FICO score, developed by those thoughtful Fair Isaac Corporation folks, is....
Author: Nick Dubay Publisher: Hyperink Inc ISBN: 1614646139 Category : Reference Languages : en Pages : 49
Book Description
ABOUT THE BOOK Having a good credit score will save you thousands of dollars over your lifetime as well as give you the opportunity to finance many projects and purchases that you would otherwise not have access to. Your credit score also reflects your financial sense in that many employers and corporations use it to make judgments about you. Bearing these facts in mind, it is easy to see how improving your credit score immediately improves your access to money and better interest rates. Raising your credit score is often a daunting task, at least in theory, since many people do not fully understand how a credit score is scored or what affects it, whether positively or negatively. Relax, you’ve already taken the first step in fixing your own credit — you’re reading this ebook! When it comes to your credit score, information and education are as crucial as establishing and maintaining positive financial habits. Your credit score is a snapshot of the potential risk you pose to those willing to lend you money, like a credit card company or bank. It is merely one part or factor that helps determine your eligibility for a credit card, and is not a personal judgment against you. Other factors that go into making a credit decision can include your total debt-to-income ratio, employment history, and income levels. Even looking at mortgages and home loans, the consumer has to realize just how important a factor their credit score is in getting a loan — it requires the same degree of consideration that the loan’s interest rate and terms do. Here’s a San Francisco Chronicle article that talks about just that topic. Because the world of credit scores is so murky, people often give up on even trying to understand it or trying to improve their financial positions and score. It is really quite simple to improve your score and the following pages will give you a better understanding of how to make positive changes while empowering you to build and maintain an informed position on money and your finances. There are dozens of credit score websites and products available for purchase. Some of these products promise to help raise your credit score or help you monitor your score exclusively. Know that by law you are allowed to access your credit score for free at least once per year. Also, many of the products and services being offered to you are poor substitutes for a little education and research, just like you are doing here with this ebook. There is nothing that a credit score service can do for you that you cannot already accomplish yourself with a little bit of knowledge and perseverance. You do not need to spend a dime to effectively monitor and improve your credit score. EXCERPT FROM THE BOOK The next step after requesting your credit report is to better understand what goes into your score. The accounts on your credit score can count negatively against you for seven years. This means that if you had one late payment on one card or account six years ago, your score can still be affected. But by understanding this time limit, you can also help dispute inaccurate or old information on your credit score. To learn more about disputing accounts or information, please read further. Accounts can be marked as 30, 60, 90, or 120 days late, depending on how far behind you may be in payments. The longer you are past due, the worse off your score. These accounts are past due or considered delinquent by the creditors. Accounts that are charged off are those that the creditor has decided you are unlikely to pay, and charge offs should be avoided at all costs as they can negatively affect your credit score more than being 120 days late on a payment. Here’s an excellent Forbes article about paying your bills on time, and how it affects your credit score.
Author: John Panzella
Author: John Panzella
Author: Donna Ross
Author: Connie Brighton
Author: Liz Weston
Author: Eddie D. Furguson
Author: Scott A. Wheeler RT (R) (MR) (CT)
Author: Guy Krzanowski
Author: Norman W Johnson
Author: Carolyn Warren
Author: Nick Dubay