Credit for Paycheck

“John has a rare combination of expertise and passion that make him a dynamic educator. His knowledge comes from many years spent in the inner sanctums of Fair Isaac and Equifax. Fortunately, he isn’t afraid to share what he learned at those companies. If you want the inside scoop on credit scores and (credit) bureau reports, John is simply the best.” –Craig Watts, Fair Isaac Corporation (investors of the FICO® credit scoring system)

“You’re the best teacher on the subject I’ve ever had.” –Jean Chatzky, Financial Editor for NBC’s Today Show and featured money coach on Oprah’s “Debt Diet” series

Good credit is second only to money in the bank. If you want a better credit score, forget all the credit repair manuals and far-fetched promises you’ve seen on the Internet. You need one thing: this book. You’ll learn exactly how to build and keep strong credit. This book can save you a small fortune! –Gerri Detweiler, Consumer Advocate and Author of Invest In Yourself: Six Secrets to a Rich Life

“John Ulzheimer didn’t know that credit would be his calling when he took a position with the credit bureau, Equifax, back in 1991. You’re Nothing but a Number is Ulzheimer’s first-person exposé of the credit industry. Using his insider experience, Ulzheimer will show you how to master your credit scores and get ahead.”

Credit Scores & Credit Reports provides the first thorough examination of the all-important, but little understood, credit scoring and credit reporting systems. The Third Edition of this highly-acclaimed book enables consumers to understand how both of these systems actually work, and what they can do to improve their FICO scores, and to ensure their credit reports are accurate.

Importantly, the book also describes how the system sometimes doesn t work, and how hundreds of thousands if not millions of consumers have been frustrated in their efforts to correct errors in their credit reports. Moreover, it explains: * Link between credit reports and the burgeoning problem of identity theft *How credit card companies use credit scoring to raise your interest rates * The role of credit scores in auto and homeowners insurance *The difference between mortgage rates for consumers with excellent, good, fair, and poor credit scores *The damages to consumers, and their creditworthiness, stemming from credit report inaccuracy and identity theft Credit reports and debt collection * The debate over credit scoring and discrimination The politics of credit reporting

About the Author
Since 1981, Evan Hendricks has been Editor/Publisher and founder of Privacy Times, a newsletter based in the Washington, D.C. area. Through the newsletter alone, he has published nearly 3,000 pages covering a wide range of privacy and information law subjects, including the Fair Credit Reporting Act. Mr. Hendricks regularly testifies before Congress, with four appearances in 2003. He is a regular presenter at Federal Trade Commission workshops. He has been qualified by the courts as an expert witness in FCRA and identity theft cases. Mr. Hendricks has served as a consultant on privacy issues to federal and state governmental organizations, and businesses. He has been a featured American presenter at events in Paris, France, Venice, Italy, Cardiff Wales, London, England and Ottawa, Ontario. He is regularly quoted in the mainstream media and trade press. Mr. Hendricks has a Bachelor of Arts from Columbia College, Columbia University. He attended there after transferring from University of Oregon.