The Insider's Guide to Managing Your Credit

Credit management expert Deborah McNaughton shows the reader how to establish, maintain, repair and protect his or her credit in The Insider's Guide To Managing Your Credit. The first half of this superbly presented "how to" book is on establishing credit, including information on the various types of credit, qualifying for credit, dealing with credit denials and credit reporting agencies, the credit application process, and even the use of credit to make money. The second half of The Insider's Guide To Managing Your Credit focuses on dealing with credit problems, working with collection agencies, getting out of debt, and repairing damaged credit. The informative, "reader friendly" text is enhanced with a section on "The Most Frequently Asked Questions and Their Answers"; listings of "Federal Government Publications" and "Regional Offices of the Federal Trade Commission"; a glossary; and an Index. Highly recommended!

At last a book that can be used as a guide and tool to understanding the credit industry. Everybody has had unique situations that may have had an impact on their ability to keep their credit in good standing, but one thing is certain, the industry can not and will not distinguish between individual circumstances, if you missed a payment, end of story, you have a negative mark against your credit history. This book helped me gain an understanding of the credit terminology and assisted me in learning how to read and understand my credit report. You can't hide from your credit history and the mistakes you made in the past. So, learn "tricks" that will help remove negative marks on your credit report, learn that too many inquiries against your credit report can actually hurt your ability to obtain credit, or learn the differences between the credit agencies, plus a lot more. This book is a must for all people who have or will, try to obtain credit. Give yourself an advantage that few people have, learn your second identity, your credit history!

This book has put me on the right track to repair my credit. It has taught me how to deal with my credit problems. There is a lot of helpful information about credit, information that everybody should know. I strongly recommend this book to anyone who is like me and could use some expert credit advice!