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BestCredit How to Win the Credit Game 2nd Edition by Dana Neal ISBN 1581605013 9781581605013

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BestCredit How to Win the Credit Game 2nd Edition Dana Neal Digital Instant Download

Author(s): Dana Neal
ISBN(s): 9781581605013, 1581605013
Edition: 2
File Details: PDF, 23.75 MB
Year: 2006
Language: english
SKU: EB-50546564 Category: Tag:

BestCredit How to Win the Credit Game 2nd Edition by Dana Neal – Ebook PDF Instant Download/Delivery: 1581605013, 9781581605013
Full download BestCredit How to Win the Credit Game 2nd Edition after payment

Product details:

ISBN 10: 1581605013 
ISBN 13: 9781581605013
Author: Dana Neal

Written by a former debt collector, this credit repair book covers many aspects of credit restoration, including how to legally remove any adverse credit from a consumer credit report, how to negotiate debt, how to prevent and recover from identity theft, the secrets to raising a credit score, and more. Remove judgments, liens, late payments, bankruptcies, collection accounts, inquiries, charge-offs, repossessions, and foreclosures. Learn how to negotiate like a pro, reducing credit card and other unsecured debt to a fraction of what you owe!

BestCredit How to Win the Credit Game 2nd Table of contents:

  • Part 1: The Credit Score Fundamentals

    • Chapter 1: Decoding the FICO Score
      • What is FICO and why it matters
      • The 5 Key Factors of Your FICO Score (Payment History, Amounts Owed, Length of Credit History, New Credit, Credit Mix)

      • Understanding Credit Score Ranges (Excellent, Good, Fair, Poor)
    • Chapter 2: Other Scoring Models (VantageScore, etc.)
      • How VantageScore differs from FICO
      • When and why different scores are used
    • Chapter 3: Your Credit Report: The Blueprint of Your Financial Life
      • What’s in a credit report (personal info, accounts, public records, inquiries)
      • The Three Major Credit Bureaus (Experian, Equifax, TransUnion)

      • How to get your free credit reports

  • Part 2: Building and Improving Your Credit

    • Chapter 4: The Power of Payment History
      • Why on-time payments are paramount
      • Setting up payment reminders and autopay
      • Dealing with late payments
    • Chapter 5: Managing Your Debt (Amounts Owed)
      • Understanding Credit Utilization Ratio
      • Strategies to lower your utilization
      • Debt snowball vs. debt avalanche
    • Chapter 6: Navigating New Credit
      • The impact of new accounts and inquiries
      • When is the right time to apply for new credit?
      • Hard vs. Soft Inquiries
    • Chapter 7: Length of Credit History
      • The importance of old accounts
      • Should you close old credit cards?
    • Chapter 8: Diversifying Your Credit Mix
      • Revolving vs. Installment Credit
      • The benefits of a healthy mix

  • Part 3: Advanced Credit Strategies and Troubleshooting

    • Chapter 9: Secured Credit Cards and Credit Builder Loans
      • For those with no credit or bad credit
      • How these tools work and how to use them effectively
    • Chapter 10: Becoming an Authorized User
      • Pros and Cons for both parties
      • How it affects your credit score
    • Chapter 11: Dealing with Negative Items
      • Collections, Charge-offs, Bankruptcies, Liens
      • Strategies for addressing negative marks (pay-for-delete, settlement)
      • Statute of limitations on negative reporting
    • Chapter 12: Credit Repair: DIY vs. Professionals
      • What legitimate credit repair looks like
      • Identifying credit repair scams
      • Disputing errors on your credit report
    • Chapter 13: Identity Theft and Fraud Protection
      • Recognizing the signs of identity theft
      • What to do if your identity is stolen
      • Credit freezes and fraud alerts

  • Part 4: Leveraging Your Good Credit

    • Chapter 14: Getting Approved for Loans and Mortgages
      • What lenders look for
      • Preparing your credit for major purchases
    • Chapter 15: Maximizing Credit Card Rewards and Benefits
      • Cashback, travel points, sign-up bonuses
      • Using credit cards responsibly
    • Chapter 16: The Future of Credit
      • Emerging trends in credit scoring (e.g., alternative data)
      • Financial literacy and lifelong credit management

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Tags: Dana Neal, BestCredit, Credit