Credit for Paycheck

This package contains a copy of the New York Times bestseller Zero Debt: The Ultimate Guide to Financial Freedom and How to Improve Your Credit and Manage Credit Cards Well, an audio CD based on Lynnette’s financial bootcamp.

About the CD: Let s face it. It s tough to live in this society without having any credit cards. You need cards to shop on the Internet, rent a car, or book a hotel room during business trips or vacations. And even if you don t use credit cards, chances are you have a credit file that someone is watching. That file contains information about your mortgage, your auto loans, and how you ve paid bills in the past. Most people think their credit score is seen only by lenders, like companies who might offer you a mortgage, auto loan or credit card. But whether you realize it or not, lots of other people and institutions have access to your credit file, including insurance companies that might sell you life or auto insurance, your boss at work, and even prospective employers. More than ever, you need to protect your credit standing because it can impact every area of your financial life.

In this session you ll learn:

* Sneaky tricks the credit card companies play that cost you money

* How to read your credit report and dispute errors

* The fastest ways to boost your FICO credit score

* Clauses in your credit card agreements to look out for or contest

* The pitfalls of transferring balances from one credit card to another

* The best methods of handling credit cards if you re married or live with someone

* The pros and cons of using cash advances, and blank checks from credit card issuers

* How inquiries and new credit applications affect your credit rating

* What to do with those department store cards

* How to prevent identity theft from ruining your credit … and MORE!

The Definitive Guide to Raising Your Credit Score

Whether you’re recovering from financial problems or need to pump up your score to qualify for a mortgage, you need reliable information and expert guidance to fix and improve your credit rating. Drawn from years of experience helping thousands of consumers, American Credit Repair empowers you with “Everything U Need To Know…” to raise your credit score.

Everything U Need to Know about
Credit Repaire

• Obtaining and understanding consumer credit reports
• Correcting past mistakes and planning for the future
• Disputing inaccurate data on your credit file
• Dealing with collection agencies
• Avoiding foreclosure and bankruptcy

BONUS CD-ROM FEATURES: Ready-to-print forms and letters to repair your credit on your own plus vital consumer protection resources you can’t do without, and much more!

Credit Repair and Bankruptcy Are Just About Illegal! Only 1 out of every 5 Bankruptcies is a Chapter 7 Bankruptcy, Debt Forgiveness. 4 out of every 5 are forced into Chapter 13! Commonly referred to as Debtors Prison! You Will Have To Repay Your Entire Debt! Don’t let this happen to YOU! How can you prevent it? You need the Credit Secrets Bible – All new for 2007, The Credit Secrets Bible (CSB). Plagued by Bankruptcy? Debt? Credit Problems? Could you use a $5,000 Card with no Credit Check? Low (Fico) Credit Score keeping you out of that car or home? You have come to the place that has all the answers and teaches you how to unlock the secrets of the credit system.

What if you already filed Bankruptcy? No Sweat! The CSB is packed full of the information you’ll need to rebuild your credit and your Fico score at warp speed! Bankruptcy? Bills? Job Loss? Divorce? Tired of fighting the CREDIT BATTLE? You can stop fighting the Credit Reporting Agencies and make them WORK for YOU! This information CAN and WILL change YOUR CREDIT LIFE! Everything you ever wanted to know about Credit Repair and Bankruptcy but were afraid to ask. The CSB exposes the secrets behind the credit system. The same secrets the government, the banks, and the credit card companies don’t want you to know. Credit repair clinics and attorneys can charge hundreds even thousands of dollars for the techniques discussed in the CSB. The same techniques you can use yourself to avoid bankruptcy and repair your credit.

This educational guide is one of the most comprehensive publications ever compiled in helping you get, keep and repair your credit. Even if you have already filed bankruptcy, this publication can guide you in re-establishing your credit rating. Includes The Audio Companion CD – Listen to this education publication while you drive to work or in the comfort of your home.

Now, you can finally end the cycle of bad credit and get back on your feet by following the step-by-step advice and tools in Credit Repair Kit For Dummies, 2nd Edition. You’ll find out everything you need to know about creating a solid plan to get your credit back on track. You’ll discover how to find your credit report, review all of the information in it, and learn how you can repair and spruce it up. You’ll learn how to communicate with creditors and how to budget so that you can pay your bills in full and on time. You’ll learn how to apply these credit strategies to all life situations, from building credit with your life partner to financially surviving a divorce, unemployment, and student loans. You will find out how to safe-guard your identity so that other people don’t damage your credit. Find out how to:

• Take charge of your credit
• Get help from credit counselors
• Request copies of your credit report
• Know how to interpret your credit report and credit score
• Avoid foreclosure
• Communicate with collectors, lawyers, and the courts
• Manage medical debt
• Safe-guard your identity

Complete with lists of ten tips to avoid identity theft and reduce damages, ten ways you can prevent foreclosure, ten methods for establishing and improving credit, and ten strategies for handling financial emergencies, Credit Repair Kit For Dummies, 2^nd Edition is your one-stop guide to improving and maintaining your credit score and protecting your identity.