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Book Categories |
Acknowledgments | xi | |
Introduction | xiii | |
Chapter 1 | Credit Schmedit | 1 |
Chapter 2 | Who Are These Credit Companies Anyway? | 5 |
The Fair Credit Reporting Act | 6 | |
You Can Sue the Big Three for Inaccurate Credit Reports | 7 | |
You Can Also Sue the Debt Collector | 8 | |
You May be Able to Sue the Creditor | 9 | |
Where do They Get Their Data? | 9 | |
How do They Make Money? | 10 | |
A Quick Word on Pre-Approved Credit Cards | 11 | |
Chapter 3 | What's the Scoop on Credit Repair Agencies? | 13 |
The Law That Governs Them | 14 | |
But I Already Paid a Credit Reporting Agency to do the Work! | 14 | |
I even Signed a Contract with Them! | 15 | |
Okay, but I'm Still Tempted with this "New Credit Identity" Stuff | 15 | |
Tax ID Numbers | 15 | |
The Corporation | 16 | |
Chapter 4 | What Should be on My Credit Report? | 17 |
Addresses | 17 | |
Inquiries | 18 | |
Typical Inquiries | 20 | |
Bankruptcy, Tax Liens, and Public Records | 22 | |
Credit Accounts | 23 | |
Payment History | 23 | |
Chapter 5 | Who's Keeping Score? | 25 |
The Truth About Credit Scoring | 25 | |
The Real Estate Example | 27 | |
How Does the Score Determine My Mortgage? | 28 | |
What Can I Do? | 28 | |
Chapter 6 | The Most Common Problems | 29 |
Bankruptcy | 29 | |
Debt Collection | 30 | |
The Joy of Divorce | 30 | |
Mismerged Data | 31 | |
Cosigners | 32 | |
Closed Accounts Reflecting an Open Status | 33 | |
Unreleased Mortgages | 33 | |
Chapter 7 | The Fair Credit Reporting Act and the Dispute Process | 35 |
First | 36 | |
Second | 37 | |
Third | 37 | |
Fourth | 38 | |
Fifth | 38 | |
What Happens Next? | 38 | |
Sample Letter 1 | Disputing Information to the Credit Reporting Agency | 39 |
Debt Collectors | 40 | |
Credit Reporting Agencies | 40 | |
Creditors | 41 | |
Summary | 43 | |
Finding a Lawyer | 43 | |
Chapter 8 | Debt Collectors and Your Credit Report | 45 |
First | 47 | |
Second | 47 | |
Third | 48 | |
The Fair Debt Collection Practices Act ("FDCPA")--15 U.S.C. 1692 | 48 | |
Who is the Debt Collector? | 49 | |
Sample Letter 2 | Disputing Information to the Collection Agency | 50 |
Chapter 9 | Okay, What About Bankruptcy Information? | 53 |
I Filed Chapter 13, But They're Reporting It as a Chapter 7! | 54 | |
Sample Letter 3 | Disputing Information to the Credit Reporting Agency | 57 |
Charged off Debts in Bankruptcy | 58 | |
Chapter 10 | Re-Establishing Credit | 61 |
Secured Credit Cards | 61 | |
Auto Loans | 62 | |
Appendix I | Sample Complaint Against Credit Reporting Agency for Failing to Correct Errors | 65 |
Appendix II | Sample Complaint Against Collection Agency for Reporting False Credit Information (Pursuant to 15 U.S.C. 1962e (8) of the Fair Debt Collection Practices Act) | 71 |
Index | 75 |
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Add Credit Repair: What the Credit Industry Doesn't Want You to Know, The credit industry is a multi-billion dollar business that earns billions on gathering and selling information about you. We feel we are at their mercy when they place wrong information on our reports. There is one way and one way only to correct your cr, Credit Repair: What the Credit Industry Doesn't Want You to Know to the inventory that you are selling on WonderClubX
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Add Credit Repair: What the Credit Industry Doesn't Want You to Know, The credit industry is a multi-billion dollar business that earns billions on gathering and selling information about you. We feel we are at their mercy when they place wrong information on our reports. There is one way and one way only to correct your cr, Credit Repair: What the Credit Industry Doesn't Want You to Know to your collection on WonderClub |