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By unlocking the mortgage industry's trade secrets, this indispensable book will help readers understand credit scoring and learn how to obtain-and improve-their credit reports. Many consumers don't understand the basics of credit reporting and scoring or how this information is used by lenders and service providers today. This book was written to remedy that. A no-nonsense guide, it teaches readers about credit reports and scores, shows them how to obtain and read their credit reports, and outlines ways to remove negative and inaccurate items. Readers will also learn about the latest consumer…mehr
By unlocking the mortgage industry's trade secrets, this indispensable book will help readers understand credit scoring and learn how to obtain-and improve-their credit reports. Many consumers don't understand the basics of credit reporting and scoring or how this information is used by lenders and service providers today. This book was written to remedy that. A no-nonsense guide, it teaches readers about credit reports and scores, shows them how to obtain and read their credit reports, and outlines ways to remove negative and inaccurate items. Readers will also learn about the latest consumer protection legislation concerning credit and lending and about changes in lending practices that can impact their financial well-being. The book details credit's impact on nearly every aspect of life, including employment; insurance; love relationships; services such as mobile phones and utilities; apartment leases; and auto, business, and home mortgage loans. It walks readers through the process of disputing negative items on credit reports and includes letter templates that can be used for that purpose. Finally, it provides readers with credit- and debt-management tips and describes state-of-the-art tools that can be used to foster better money- and credit-management habits. With this book in hand, a consumer should be able to achieve the higher credit score that is a person's greatest financial asset.
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Autorenporträt
Shindy Chen is a content editor and writer for the financial, tech, and travel industries. Previously, she was a vice president and regional mortgage manager at Wachovia Mortgage and a senior loan originator at CTX Mortgage.
Inhaltsangabe
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
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
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