740 or Higher: A Contemporary Guide to Getting Better Credit - Softcover

Inhaltsangabe

Stuck with bad credit? Here is the plain version of how to climb out.

740 or Higher is a no-nonsense guide for people who want better credit and are tired of vague advice. It is written in everyday language, in the order you should do things, with letters you can copy.

INSIDE YOU WILL LEARN:

• How a FICO score really works, and the statement-date trick that lowers your reported balances
• How to pull your reports free and rank the items hurting you most
• How to dispute errors and demand verification under the FCRA
• How to handle debt collectors: validation requests, cease letters, and your rights under the FDCPA
• How old debts, charge-offs, and paid accounts really work
• How to rebuild with a secured card, earn rewards, and avoid deferred-interest traps
• What to do when money runs out, and how to shop loans on your own
• A 90-day action plan and seven sample letters

No gimmicks and no guarantees, just the steps and the laws behind them.

Back-cover blurb:

Bad credit is not a life sentence. 740 or Higher shows you how to read your reports, fight the items that are hurting you, deal with collectors on your terms, and rebuild with habits that stick. Plain language. Real letters. A clear order of operations. Start with the one-page Fast Path, then go deeper where you need it.

By Jason Walters

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