Credit Management Kit for Dummies

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Credit Management Kit for Dummies

Format:  Paperback,

384 pages

Publisher: John Wiley & Sons Inc

Publish Date: Sep 2011

ISBN-13: 9781118013854

ISBN-10: 1118013859

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Book Information

The following content was provided by the publisher.
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 counselorsThe quickest and most effective way to undo damage from identity theftAdvice and tips about adding information to a credit report, and beefing-up thin creditGuidance for evaluating your Credit Score in today's economyFannie Mae's revised guidelines for purchasing mortgagesInformation on significant others (boyfriend/girlfriend/spouse) and credit and debt sharingIRS 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.

Specifications

:
Publisher: John Wiley & Sons Inc
Publish Date: Sep 2011
ISBN-13: 9781118013854
ISBN-10: 1118013859
Format: Paperback
Number of Pages: 384
Shipping Weight (in pounds): 1.38
Product in Inches (L x W x H): 7.5 x 9.25 x 1.0

Chapter outline

Forewordp. xix
Introductionp. 1
Credit Management: An Essential 21st-Century Skill for Financial Successp. 7
Introducing Credit Management Essentials in a Tightened Credit Marketp. 9
Gaining Control of Your Creditp. 25
Taking a Sustainable Approach to Your Financial Environmentp. 33
Creating a Spending (And Savings) Plan for Your Futurep. 45
Protecting Your Credit in the Post-Financial Meltdown Worldp. 69
Writing on Your Personal Credit Wall: Credit Reporting and Scoring in the Facebook Agep. 85
Discovering How Credit Reporting Worksp. 87
Understanding Credit Reports and Scoresp. 99
Monitoring Your Credit Reports and Scoresp. 123
Creating Solid Credit Strategies for Every Stage in Lifep. 135
Building Credit: Getting Started (or Restarted) in Lifep. 137
Accounting for the Effect of Life's Necessitiesp. 161
Keeping Your Credit Great When Faced with Major Life Eventsp. 173
Controlling Access to Your Identityp. 203
Navigating Negative Creditp. 215
Turning Your Credit Aroundp. 217
Polishing Your Credit Reportsp. 233
Getting the Best Help for Bad Credit for Freep. 247
Coping with Bad Credit and Debtsp. 259
Managing Credit in a Mortgage Crisisp. 281
Working with Collectors, Lawyers, and the Courts to Manage Debt Obligationsp. 293
Minimizing Credit Damage in a Bankruptcyp. 309
Repairing Identity Theft Credit Damagep. 329
The Part of Tensp. 337
Ten Consumer Protections Everyone Needs to Knowp. 339
Ten Tips to Achieving Stellar Creditp. 347
Ten Ways to Successfully Manage Financial Emergenciesp. 353
Appendix: About the CDp. 359
Indexp. 369

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.

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