Wow! eBook
Credit Management Kit For Dummies® 3rd Edition
Author(s): Stephen R. Bucci (Author), Durant S. Abernethy Esq. (Foreword)
- Publisher: John Wiley & Sons
- Publication Date: 20 Sept. 2011
- Edition: 3rd
- Language: English
- Print length: 408 pages
- ISBN-10: 1118013859
- ISBN-13: 9781118013854
Book Description
The painless way to manage credit in 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 thing all together. Credit Management Kit For Dummies gives you answers to these questions and insight into these concerns, and also 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; the effect of tightened credit markets on those with good, marginal, or bad credit; 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; credit score examples with new ranges; and much more. 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, Credit Management Kit For Dummies 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.
Editorial Reviews
From the Back Cover
The painless way to successfully manage credit in today′s financial landscape To get the best deals on credit cards and loans for homes and cars, you need a solid credit score and more! How do you get a great score? What do you need in addition to a great score? What are lenders looking for now that they are extremely risk–averse? Credit Management Kit For Dummies gives you the who, what, where, and how to make your credit work for you, not against you — whether you have good or bad credit! Credit Management 101 — get up–to–the–minute guidance on how to gain control of (and protect) your credit; treat it as a green, renewable resource; and create a spending plan for your future The writing on your credit wall — master credit reporting and scoring in the digital age and know where you can access free services to avoid the all–too–common errors that may be lowering your score Credit for life — get credit strategies for every stage of life, whether you′re a credit newbie, buying a house, getting married, or dealing with divorce or the loss of a spouse Emphasize the “i” in credit — take control of your bad credit with expert advice on overcoming or minimizing everything from minor delinquencies to the effects of bankruptcy — and get yourself back on track Open the book and find: Strategies to build a great credit score Tips for balancing spending, credit use, and saving How to protect your credit in the post–financial meltdown world Advice on monitoring your credit reports and scores for free What your credit history says about you How to go about obtaining credit for the first time Ways to deal with bad credit, debt, and bankruptcy Learn to: Build and maintain the best credit and credit score possible Recover from mortgage–related and other credit score hits Master your credit from your first credit card to retirement Successfully manage your finances to make your dreams come true Work with tools, forms, and documents on the accompanying CD Bonus CD Includes Sample credit reports, worksheets, forms, templates, and other tools on the accompanying CD
About the Author
Steve Bucci is a nationally syndicated columnist for the financial mega–site Bankrate.com and a contributing columnist for the Providence Journal . Bucci is also the former president of the Consumer Credit Counseling Service of Southern New England, former managing director of the Center for Personal Financial Education at the University of Rhode Island, and a personal finance coach.
