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Credit Repair Kit For Dummies, 4th Edition



Credit Repair Kit For Dummies, 4th Edition

Steve Bucci

ISBN: 978-1-118-82157-2 March 2014 416 Pages

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Manage and repair your credit

Credit card debt is the third largest source of household indebtedness. Credit Repair Kit For Dummies gives you the tools you need to repair your credit.

This new edition covers: major changes with the Consumer Financial Protection Bureau's (CFPB) inquiry into overdraft practices and their effect on consumers; dealing with the effect of tightened credit markets on those with good, marginal, or bad credit; best ways to recover from mortgage related score hits or minimize damage after walking away from a home; updated Vantage Score information; updated coverage on reporting programs like FICO Score watch, etc.; what makes a good FICO score today; a new section on significant others (boyfriend/girlfriend/spouse) and credit/debt sharing; Debt Relief Act in a mortgage meltdown situation; the latest tips and advice on dealing with identity theft and annoying collection calls; and more. Online you'll find sample credit reports, forms, templates, and other helpful tools to help whip your credit into shape.

  • Updated credit score examples with new ranges
  • New information about IRS exceptions to the Mortgage Forgiveness
  • Advice and tips about adding information to a credit report, and beefing-up thin credit
  • Useful, downloadable, forms and tools on

If you have mediocre credit and want or need to better manage it in order to get a job, reduce insurance costs, qualify for banking products, and more, Credit Repair Kit For Dummies has it covered.

Introduction 1

Part I: Getting Started with Credit Repair 7

Chapter 1: Introducing Credit Repair, Credit Scores, and Your Life on Credit 9

Chapter 2: Turning Your Credit Around 25

Chapter 3: Cleaning Up Your Credit Reports 41

Chapter 4: Getting the Best Help for Bad Credit for Free 57

Chapter 5: Coping with Debt Collection 69

Chapter 6: Working with Collectors, Lawyers, and the Courts to Manage Debt Obligations 91

Part II: Reducing Credit Damage from Major Setbacks 109

Chapter 7: Reducing Credit Damage in a Mortgage Crisis 111

Chapter 8: Starting Over Again with Bankruptcy 127

Chapter 9: Repairing Credit Damage in the Wake of Identity Theft 145

Part III: Rebuilding Credit, No Matter Where or When You Begin 155

Chapter 10: Starting (or Restarting) Your Credit in Real Life 157

Chapter 11: Ending Life’s Negative Credit Surprises 177

Chapter 12: Protecting Your Credit During Major Life Challenges 189

Part IV: Big Brother Credit Is Watching You: Credit Reporting and Scoring 219

Chapter 13: Discovering How Credit Reporting Works 221

Chapter 14: Understanding Credit Reports and Scores 235

Chapter 15: Monitoring Your Credit Reports and Scores 261

Part V: Never Have Bad Credit Again! Successful Credit Management for Life 271

Chapter 16: Putting Yourself in Control of Your Credit 273

Chapter 17: Taking a Sustainable Approach to Your Credit 281

Chapter 18: Safeguarding Your Credit with a Spending Plan 293

Chapter 19: Knowing Your Rights to Protect Your Credit 319

Chapter 20: Protecting Your Identity 335

Part VI: The Part of Tens 349

Chapter 21: Ten Consumer Protections Everyone Needs to Know 351

Chapter 22: Ten Strategies for Dealing with Student Loans 359

Chapter 23: Ten Ways to Deal with a Mortgage Meltdown 369

Index 377 Companion site with bonus material