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.”

Your credit scores are the most vital tools you have to unlock your financial power. Having lower credit scores means that you will pay higher interest rates for your car loan, home mortgage, and credit cards. Low credit scores could cause you to be turned down for credit, be denied insurance, or in some states even be charged more for your utilities.

About the Author
Stephen Snyder is the country’s leading expert on how to improve credit scores by changing how you manage credit. Stephen Snyder understands the obstacles consumers face when they try to improve their credit. From his own personal bankruptcy in 1993, Stephen has risen to become a national authority on how to increase your credit scores and unlock your financial power.

For more than a decade, his nationwide personal finance seminar has been hailed as a tour de force for consumers. His approach has helped hundreds of thousands of consumers better manage their credit to improve their lifestyles. Stephen is frequently featured in many national news shows an popular magazines including CNNfn, CNBC, Bloomberg TV, Parade Magazine, Family Circle Magazine, Essence Magazine, Newsweek, The Wall Street Journal, The Washington Post, and others. Today, he is the most widely respected advisor on credit scores and how consumers can increase or maintain them. Stephen is also one of the few credit scoring experts in the country who have been trained by the Fair Isaac Corporation, the company that created the FICO credit risk score. This score is widely recognized as the industry standard for lenders to determine consumers’ creditworthiness.