Improve Your Credit!
It’s generally pretty easy to fall into debt—but it can be hard to repay that money. Unfortunately, the consequences of mounting debt, like delinquent bill payments, defaults, lawsuits, repossessions, foreclosures, and bankruptcy, eventually find their way into your credit reports and damage your credit scores.
Having bad credit can prevent you from getting a mortgage, car loan, credit card, apartment, or even a job. It can also mean paying more in rates and fees for any loans or credit you can get. This thorough, easy-to-follow manual will help you repair your credit and get the financing you deserve. Learn the practical measures to raise your credit scores and repair your credit. Credit Repair will teach you how to increase your scores by taking simple steps such as removing erroneous information from your credit reports and paying down high loan balances. Readers will also learn how to protect their credit by budgeting, avoiding problems with credit cards, and steering clear of identity theft.
This book provides helpful tips to people with existing credit problems and can assist those who have thin credit files (not much credit history), too. You’ll learn how to build a positive credit history and establish good credit habits.
Don’t wait to take action. Credit Repair will give you the tools you need to develop a plan to improve your credit, including strategies and useful information about the process involved in repairing or building your credit.
Amy
Loftsgordon is a legal editor and writer at Nolo, focusing on
foreclosure, debt management, consumer protection, and personal finance. She
edits a number of Nolo books and is the coauthor of
The Foreclosure
Survival Guide,
Solve Your Money Troubles, and
Credit
Repair. Before joining Nolo, Amy worked in foreclosure and debt collections
for many years. She has drafted foreclosure-related training and loan servicing
procedures, written manuals for collection operations, and audited completed
foreclosures for compliance with applicable laws. Amy was also instrumental in
preparing expert reports used in lawsuits against banks and servicers accused
of mishandling collection, preforeclosure, loss mitigation, foreclosure, and
REO processes. She received a B.A. from the University of Southern California
and a law degree from the University of Denver Sturm College of Law. She is
licensed to practice law in Colorado.
Cara O'Neill is a legal editor and writer at Nolo specializing in bankruptcy
and small claims litigation. Cara authors several Nolo book titles,
including
How to File for Chapter 7 Bankruptcy, Chapter 13 Bankruptcy,
The
New Bankruptcy, and
Everybody's Guide to Small Claims Court. She
also coauthors
Legal Research: How to Find and Understand the Law,
The
Foreclosure Survival Guide,
Solve Your Money Troubles,
and
Credit Repair, and edits several more. Before joining Nolo,
Cara practiced law for over 20 years in civil and criminal litigation, bankruptcy,
and administrative law. During that time, she served as an administrative law
judge, took dozens of criminal and civil cases to jury verdict, appeared before
the California Court of Appeals, and taught undergraduate and graduate law
courses. She earned her law degree in 1994 from the University of the Pacific,
McGeorge School of Law, where she served as a law journal editor and graduated
as a member of the Order of the Barristers--an honor society recognizing
excellence in courtroom advocacy.
