Credit Management Kit For Dummies
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Credit Management Kit For Dummies® Updated for Today’s Financial Landscape
People with great credit scores are getting turned down for credit cards and loans for homes and cars. What do they need besides a good score? What are lenders looking for now that they are extremely risk-averse? Repairing broken or damaged credit is one thing, but having to meet today's much stiffer credit standards requiring that consumers consistently manage their credit is another. The new Credit Management Kit For Dummies (Wiley, 978-1-1180-1385-4, Sept. 2011) gives you answers to these questions and walks you down the correct path to credit application approval.
You'll discover major changes with the Credit CARD (Credit Accountability, Responsibility, and Disclosure) Act provisions and the new Consumer Financial Protection Legislation Agency; new rules and programs including Hope and Government options via the Obama Administration; the best ways to recover from mortgage related credit score hits; tips for minimizing damage after walking away from a home; and credit score examples with new ranges.
- The pros and cons of credit counselors
- The quickest and most effective way to undo damage from identity theft
- Advice and tips about adding information to a credit report, and beefing-up thin credit
- Guidance for evaluating your Credit Score in today's economy
- Fannie Mae's revised guidelines for purchasing mortgages
- Information on significant others (boyfriend/girlfriend/spouse) and credit and debt sharing
- IRS exceptions to the Mortgage Forgiveness Debt Relief Act in a mortgage meltdown situation
Not just for those who have bad credit and need to repair it, the book also serves as an invaluable resource for those with average credit who want, or need, to manage it to get a job, reduce insurance costs, qualify for banking products, and more.