A Look into the Secrets of Credit Repair

How to Fix Your Score and Erase Bad Debt: 6-Step Strategy + 609 Sample Letters to Take Control of Your Finances and Outsmart the Credit Bureaus

De: Diana Donnelly

Narrado por: Miranda Minch

Kiss your credit problems goodbye with this simple six-step strategy for rebuilding your credit score.

Feel like your credit score is holding you back from having the things you need?

Afraid to touch your phone because the debt collectors keep calling you?

Want to finally shed all your debts and raise your credit score, so you can get on with your life?

If you’re struggling with poor credit and can’t seem to get any loans with reasonable interest rates, you’re not alone.

According to Experian’s Annual Credit Review, 16 percent of Americans have credit scores between 300 and 579, and another 18 percent have “fair” credit scores up to 669.

But even if you’re barely squeaking by with a “fair” credit score…it only takes one late payment to send your FICO score plummeting down.

Even the smallest glitch in the credit bureau’s reporting system can turn your life upside down financially.

Because unless you’re sitting near the average American’s credit score of 706…you’ll have a hard time saving up for retirement…getting a new line of credit…or securing a down payment for your dream home.

And as you continue spending and racking up debt, it’s only a matter of time before you fall behind on one loan after another…making it impossible for you to free yourself from bad credit blues.

But there’s good news.

Because by following this simple step-by-step approach, you can easily climb your way out of poor credit problems and establish your financial freedom once and for all.

So you never have to ask your friends and family for money ever again.

In this book, you’ll discover:

• The 6-step strategy for rebuilding your credit history and raising your FICO score
• How your FICO score is calculated—this factor accounts for 30 percent of your score
• The six specific parts of your loan application that banks look at when deciding whether to approve your loan
• Seven things debt collectors won’t admit to your face—remember this tip whenever you speak with a collection agency
• What is a "Section 609" Letter, and how this type of correspondence can help clear your credit history
• Ten ways to repair bad credit, even if you’ve never seen your credit report before
• The difference between "hard" and "soft" inquiries, plus which ones you should avoid to keep your credit score from dropping
• The five common types of loans, and how to properly manage each type
• Seven effective credit-building techniques that anyone can start using immediately to improve their credit health
• And much more.

It’s time to stop letting your debts take control of your life and start building a stronger financial foundation.

Your past doesn’t have to define your future. And with the easy-to-follow methods laid out in this book, you’ll gain all the strategic and tactical knowledge you need to get your credit score back to where you want it to be.

But the choice is yours.

You can keep spending every waking day with a looming cloud of unpaid debts and bad credit…or you can take the first step toward creating a carefree life.

©2022 Diana Donnelly (P)2023 Diana Donnelly

Very detailed information well written and narrated. Definitely a must read!!!

There could’ve been more entries in the glossary but it’s not a deal breaker at all I really appreciate the effort that went into this book…