AMERICAN CREDIT REPAIR
Everything U Need to Know...
about
RAISING YOUR CREDIT SCORE
TREVOR RHODES & NADINE SMITH, ESQ.
Copyright 2008 EUNTK Corporation. All rights reserved. Except as permitted under the United States Copyright Act of 1976, no part of this publication may be reproduced or distributed in any form or by any means, or stored in a database or retrieval system, without the prior written permission of the publisher.
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For Grammy and Gramps
On behalf of Bennett, Brianna, Cameron, Jacob and Tyler
Acknowledgments
This American Credit Repair volume from Everything U Need to Know... (EUNTK) would not be possible without the support and assistance from the following companies and individuals: The National Association of Credit Counseling, Federal Debt Consolidation Services, AmerUSA Corporation (AmerUSA.net), Ronald and Mary Rhodes, Marc and Terry Banning.
Table of Contents
Introduction
STOP! Before you do anything else regarding your personal credit, you should thoroughly read this entire book on American Credit Repair. This volume is not a late-night infomercial made up of false promises from someone whose main goal is to take your money and run. This book will cost you no more than its retail price and a modest amount of your time to empower you with Everything U Need to Know... about Raising Your Credit Score
It's a bold introduction but it's true. The American credit system is a game albeit a serious one but this guide will show you exactly how to play it without spending hundreds or thousands of hard-earned dollars on some credit repair sales gimmick or a so-called non-profit credit counseling organization that's really lining the pockets of its founders or executives.
In the meantime, set aside a portion of your time to give American Credit Repair your undivided attention, because you're about to see true story examples, copies of actual creditor correspondence, proven score-raising techniques and the whole enchilada... No book before this has ever provided the general public such an easily digestible discussion of what happens behind the scenes in the underworld of credit and how you can go about playing the game legally!
Yes, legally! Welcome to America where you can't go to jail for being in debt (fraud and tax evasion, maybe, but not for being broke). In fact (as you may know), being in debt is kind of "the American way." Ironically, when done right, you can accumulate wealth with debt, but unfortunately consumers aren't taught that approach. Instead, each person is encouraged to spend compulsively. Everywhere you look, there's always an advertisement trying to manipulate you into buying something you can't afford and it's amazing how you'll always be able to find a creditor to make sure you can stretch yourself thin enough to finance it.
Helping curb the compulsive shopper, however, is a topic beyond the scope of this guide. What this book can do is show you how to play the credit game so that you can achieve a higher credit score and be rewarded with lower interest rates and better financing terms! So, sit back, relax and grab a highlighter because you're about to learn everything the credit reporting agencies and your creditors don't want you to know...
And if you ever need further assistance with any of the EUNTK volumes,