American Credit Repair: Everything U Need to Know About Raising Your Credit ScoreThe Definitive Guide to Raising Your Credit Score Whether you're recovering from financial problems or need to pump up your score to qualify for a mortgage, you need reliable information and expert guidance to fix and improve your credit rating. Drawn from years of experience helping thousands of consumers, American Credit Repair empowers you with “Everything U Need To Know...” to raise your credit score. Everything U Need to Know about
BONUS CD-ROM FEATURES: Ready-to-print forms and letters to repair your credit on your own plus vital consumer protection resources you can't do without, and much more! |
Contents
| 1 | |
| 3 | |
| 11 | |
| 19 | |
Your Credit Report Getting a Free Copy For Real | 37 |
Understanding Your Credit Report How to Read the Big Three | 49 |
Repairing Your Credit Report Part I The Dispute Process | 55 |
Repairing Your Credit Report Part II The Dispute Letter | 79 |
Raising Your Credit Score in 10 Days Fast Fixes When Applying for a Mortgage | 147 |
Marriage Divorce and Credit Being Prepared | 161 |
Youve Been Served What to Do When a Creditor Sues You | 171 |
How to Establish or ReEstablish Credit The Building Blocks | 181 |
Conclusion | 189 |
The FCRA Fair Credit Reporting Act | 191 |
The FACT Act Fair and Accurate Credit Transactions Act | 277 |
The FDCPA Fair Debt Collection Practices Act | 341 |
Repairing Your Credit Report Part III When Things Dont Go Your Way | 93 |
Collection Agencies How to Deal with These Bad Guys | 103 |
How to Deal with Secured Accounts Plus Student Loans Tax Liens | 131 |
Bankruptcy The Pros and Cons of Filing | 141 |
Bonus CDROM The American Credit Repair Resource Center | 365 |
Index | 367 |
Common terms and phrases
accuracy Accurate Credit Transactions Act Everything Need amended annualcreditreport.com Appendix applicable attorney bankruptcy business entity Chapter collection agency consumer reporting agency consumer reporting company consumer's file copy court CRAs credit card credit file credit or insurance Credit Reporting Act credit reporting agencies credit score date of enactment debit card debt collector deleted described in section determine disclose disclosure disputed information electronic fund transfer employment purposes enforcement Experian FACT Act Everything Fair Credit Reporting FCRA Everything Need FCRA Section FDCPA Federal banking agencies Federal Trade Commission financial institution financial literacy fraud alert furnish identity theft inaccurate investigation lender literacy and education National Credit Union Need to Know notice obtain original creditor payment person procedures PUBLIC LAW pursuant reasonable received reinvestigation Repairing Your Credit Reporting Act 15 reporting agency described request reseller respect Section 604 social security number subsection sumer summary of rights TransUnion verification violation