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Table of Contents

Acknowledgments

Thanks to Leanne Harvey, Randy Ladenheim-Gil, and Ronald Young at Entrepreneur Press for inviting me to work on this project. Thanks also to Karen Billipp at Eliot House Productions for her help in editing and designing this book.

Id also like to thank my family and close friends for their ongoing love and support, and express my gratitude to you, the reader, for picking up and reading a copy of this book.

To visit my website, point your web browser to www.JasonRich.com, or you can follow me on Twitter @JasonRich7.

PREFACE

Discover Why Your Credit Rating Is So Important

Were living in challenging financial times. Its harder than ever for someone, even with average credit and a steady job, to get approved for a mortgage, or even receive a good deal when applying for a new credit card or car loan.

As a result, its become essential that Americans take a proactive role when it comes to responsibly managing and protecting their credit rating. This is not something that the credit reporting agencies (credit bureaus), banks, financial institutions, credit card issuers, the government, or even your own accountant will do for you or on your behalf.

Yet, few people truly understand how to properly manage and protect their credit rating. Even fewer people comprehend exactly how essential it is to build and maintain above-average credit scores.

The information within your credit reports that are compiled by the three credit reporting agencies (credit bureaus)Equifax, Experian, and TransUnioncombined with your numeric credit scores (which are calculated based on the information published within your credit reports) have a direct impact on almost every aspect of your financial life.

For example, your credit scores directly impact:

Your ability to obtain a mortgage or refinance your mortgage, as well as get approved for any type of home equity loan (or home improvement loan)

A landlords application approval decision if youre looking to rent a home or apartment

Your chances of being approved for an auto loan

Your ability to get an application approved for any type of credit card

Whether or not youll be able to obtain student loans for yourself or your children

Whether or not youll be approved for many types of insurance policies

A potential employers decision to hire you

If you do get approved for any type of credit or loan, your credit scores (and the information within your credit reports) will impact what interest rate you pay and how much youll pay in fees to that creditor or lender over time. As a general rule, the lower your credit scores, the greater risk you pose to a potential lender. Thus, youll wind up paying significantly higher interest rates and fees, if youre even granted credit or approved for a loan, than someone with above-average or excellent credit scores. In the case of credit cards, youll also be offered a lower credit limit and fewer cardholder benefits.

Earning a credit rating thats classified as below average could easily cost you hundreds, perhaps thousands of dollars every month in interest charges and fees when you add up how much extra youre paying your lenders and creditors for your mortgage, car loan(s), credit card(s), student loans, etc.

Building and maintaining above-average credit scores will save you money, plus make it significantly easier to get approved for the credit and loans you want or need in the future. Contrary to popular belief, building and maintaining high credit scores and protecting your credit rating isnt difficult or terribly time consuming once you understand exactly how the process works (which is something youll learn from this book).

Yet, going through your adult life being oblivious to how the credit reporting agencies, credit reports, and credit score systems work will most likely result in costly mistakes that will impact your financial well-being for many years in the future.

Are you aware that a mistake you make (or an irresponsible financial behavior you practice) that leads to a negative impact to your credit rating will most likely remain on your credit reports and continue to negatively impact your credit scores for seven to 10 years?

Knowing what the credit reporting agencies do, how they work, and what goes into calculating your credit scores, for example, is the first step toward building, maintaining, and protecting your credit rating.

Plus, cleaning up the credit mistakes youve already made, practicing responsible spending habits moving forward, and properly utilizing your existing credit on an ongoing basis will help to ensure an above-average credit rating now and in the future.

Dirty Little Secrets offers easy-to-understand advice and information about:

Credit reports and how theyre compiled

Credit scores and how theyre calculated

How the credit reporting agencies work (and their relationship to your creditors, lenders, insurance companies, employer, and banks)

Working with lenders and creditors without overpaying interest charges and fees

Successfully working with collection agencies, creditors, and lenders to pay off debts and overcome past mistakes (without further destroying your credit rating or becoming a victim of harassing phone calls from collection agencies)

Overcoming past credit and financial mistakes to rebuild your credit rating

Maintaining and protecting your credit scores and overall credit rating

Understanding the relationship between your credit scores, your credit reports, and your ability to obtain credit and loans (including mortgages, car loans, student loans, home equity loans, credit cards, etc.)

How to get approved for the loans and credit you want and need

Building and improving your overall credit rating and credit scores

Using computer software and online banking, plus easy-to-use apps on your tablet or smartphone (such as an iPhone) to help you better manage your finances, credit cards, spending, and bill-paying schedule

Working with a legitimate credit counseling agency if youve already run into serious trouble and need assistance rebuilding your credit and getting yourself out of significant debt

Regardless of who you are, how much money you earn, what you do for a living, where you live, your marital status, or your ability to save money, its absolutely essential that you develop a thorough understanding of how to build, improve, maintain, and protect your credit rating. This includes the information thats published within your credit reports and paying close attention to your corresponding numeric credit scores.

As youll discover from this book, you dont have to become a financial guru or a wiz at math to improve your overall credit rating or boost your credit scores. This book is chock full of advice, tips, strategies, and easy-to-understand information that you can start applying immediately in order to rebuild, improve, protect, and/or maintain your overall credit rating.

By reading this book, youll discover secrets for saving money, starting immediatelyon your existing loans and credit cards, for exampleplus youll learn how to save a fortune in the future by being more credit savvy. Youll also learn to avoid the most common financial and credit-related mistakes that millions of Americans make that lead to destroying their credit rating and wind up costing them a fortune.

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