Credit Repair

http://www.nolo.com/products/credit-repair-CREP.html

Credit Repair

New edition!

Margaret Reiter, Attorney and Robin Leonard, J.D.

May 2011, 10th Edition

Clean up your credit, create a budget, and avoid overspending with this bestseller. You'll get sample credit reports, text of credit reporting laws, and more.  Learn how to:

  • get out of debt now
  • read and understand your credit report
  • negotiate with creditors

Includes all the legal forms you need!

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Clean up your credit with the acclaimed plain-English guide to fixing your credit troubles

Nearly 80 percent of credit reports contain errors. In a tough economy when credit is tight, you need to be certain that your financial records are correct and up to date. A less-than-flattering report can hurt your chances of qualifying for credit card, loans, renting an apartment -- even finding a job.

But a bad credit report can almost always be improved or corrected. Credit Repair shows you how to fix your credit situation quickly and easily, explaining the necessary steps in plain English. Learn how to:

  • avoid overspending
  • establish a realistic budget
  • get out of debt now
  • build a financial cushion
  • decipher your credit report
  • get mistakes on your credit report fixed
  • protect your social security number
  • avoid credit discrimination
  • get positive information added to your credit report
  • plan a realistic credit repair strategy
  • negotiate with creditors

Credit Repair includes dozens of forms and letters that will help you spruce up your credit report as easily as possible!

The 10th edition is completely reorganized with a focus on assessing your debt situation and then picking the best credit repair strategy for your situation. You'll also get new information on how bankruptcy and foreclosure affect your credit, how to negotiate with creditors, warnings about the latest scams, and much more.

ISBN
9781413314205
Number of Pages
268
Included Forms

Forms and Letters

  • Form F-1 Request Credit Report
  • Form F-2 Request Reinvestigation
  • Form F-3 Request to Furnishing Creditor to Reinvestigate
  • Form F-4 Request Follow-Up After Reinvestigation
  • Form F-5 Request Removal of Incorrect Information by Creditor
  • Form F-6 Creditor Verification
  • Form F-7 Request Addition of Information Showing Stability
  • Form F-8 Request Addition of Account Histories
  • Form F-9 Monthly Income
  • Form F-10 Your Debts
  • Form F-11 Daily Expenses
  • Form F-12 Payments to Savings and Debt Reduction
  • Form F-13 Monthly Budget
  • Form F-14 Inform Creditor of Judgment Proof Status
  • Form F-15 Request Short Term Lower Payments
  • Form F-16 Request Long Term Lower Payments
  • Form F-17 Request to Pay Nothing Short-Term
  • Form F-18 Request to Pay Nothing Long-Term
  • Form F-19 Request Rewrite of Loan Terms
  • Form F-20 Offer (Delayed) Payment of Past Due Amounts
  • Form F-21 Offer (Reduced) Lump Sum Payment
  • Form F-22 Offer Payment Schedule to Pay Off (Reduced) Debt
  • Form F-23 Cashing Check Constitutes Payment in Full (Outside of California)
  • Form F-24 Cashing Check Constitutes Payment in Full—First Letter (California)
  • Form F-25 Cashing Check Constitutes Payment in Full—Second Letter (California)
  • Form F-26 Cashing Check Constitutes Release of All Claims
  • Form F-27 Offer to Give Secured Property Back
  • Form F-28 Request Direct Negotiation With Creditor
  • Form F-29 Request for Verification of Debt/Identity of Original Creditor/Return of Debt to Original Creditor
  • Form F-30 Complaint about Debt Collector Violation of Law
  • Form F-31 Debt Collector: Cease All Contact
  • Form F-32 Request for Basis of Unfavorable Credit Offer or Action
  • Form F-33 Identity Theft Dispute Letter for Existing Accounts
  • Form F-34 Identity Theft Dispute Letter for New Accounts
  • Form F-35 Notice of Billing Error Dispute on Credit Card Bill
  • Form F-36 Notice of Claim or Defense Dispute on Credit Card Bill
  • Identity Theft Victim’s Complaint and Affidavit
  • Annual Credit Report Request Form
  • FTC Law Enforcement Cover Letter