American Credit Repair: Everything U Need to Know about Raising Your Credit Score
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Trevor Rhodes is founder and CEO of AmerUSA, the nation's leading tenant credit reporting agency.Nadine Smith, Esq. is a respected credit attorney, concentrating in consumer debt and tax law.
Introduction 1The Basics of Credit Reporting, Part I: The Agencies and the Laws 3Credit Reporting Agencies 4The Fair Credit Reporting Act (FCRA) 5The Fair and Accurate Credit Transactions Act (FACT Act) 9The Basics of Credit Reporting, Part II: The Data 11Where Does Credit Report Information Come From? 12What Is a Credit Score and Why Should U Care? 14The Basics of Credit Reporting, Part III: Who Is Entitled to See Your Credit File 19Permissible Purpose 20Employers 33Illegal Requests for Your Credit Report 34Your Credit Report: Getting a Free Copy - For Real! 37AnnualCreditReport.com 38Annual Credit Report by Mail or Phone 39FTC Facts for Consumers Brochure 42Understanding Your Credit Report: How to Read the Big Three 49Personal Information 50Employment Information 50Scoring (Credit Score) 51Public Records 51Collections 52Revolving Accounts 52Installment Accounts 53Mortgage Accounts 53Inquiries 53Repairing Your Credit Report, Part I: The Dispute Process 55FCRA Section 611 56Inaccurate or Incomplete Information 66FCRA Section 605 69Outdated Negative Information 74Negative Items That Do Not Belong to You 76Repairing Your Credit Report, Part II: The Dispute Letter 79Verification Forms Used by CRAs 80Fill-In Dispute Forms 82Picking Your Battles 83Writing Your Own Dispute Letter 84Sample Dispute Letters 85Sending Your Dispute Letter 90What's Included in a CRA's Response to a Dispute 91Repairing Your Credit Report, Part III: When Things Don't Go Your Way 93Sending a Second Dispute Letter 94100-Word Consumer Statement 97Speak to a Professional If Necessary 99The Reality of Suing a Credit Reporting Agency 100Collection Agencies: How to Deal with These Bad Guys 103How a Collection Agency Operates 104The Fair Debt Collection Practices Act (FDCPA) 104Validation of the Alleged Debt 109Drafting a Verification Request Letter 110Stop Calling Me 116Stop Calling My Employer 118How to Settle with a Collection Agency 120How to Deal with Secured Accounts: Plus Student Loans & Tax Liens 131Repossession 132Foreclosure 134Student Loans 136Tax Liens 138Bankruptcy: The Pros and Cons of Filing 141The Term "Bankruptcy" 142Chapters 7, 11 and 13 142Hiring a Bankruptcy Attorney 145How Bankruptcy Affects Your Credit Report 145Raising Your Credit Score in 10 Days: Fast Fixes When Applying for a Mortgage 147The Rapid Re-Score 148Determining the Factors That Are Affecting Your Score 149Assembling Your Evidence 150Fast Fixes That Do Not Require Money 151Fast Fixes That Require Money 156Marriage, Divorce and Credit: Being Prepared 161Before You Get Married 162During the Marriage 164Planning for the Divorce 165How to Handle Your Accounts and Creditors 166You've Been Served: What to Do When a Creditor Sues You 171The Makeup of a Lawsuit 172Service of Process 173Your First Reaction 174The Type of Court 178Attorneys' Fees 179How to Establish or Re-Establish Credit: The Building Blocks 181Gasoline and Department Store Cards 182Visiting Your Neighborhood Banker 182Secured Credit Cards 182Using a Co-Signer 184Becoming an Authorized User 184Maintaining Your Credit 185Conclusion 189The FCRA: Fair Credit Reporting Act 191The FACT Act: Fair and Accurate Credit Transactions Act 277The FDCPA: Fair Debt Collection Practices Act 341Bonus CD-ROM: The American Credit Repair Resource Center 365Installation Instructions 365Index 367
