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After the dramatic mortgage crisis and stock market collapse, people are beginning to recognize that the only way to secure their financial future is to take charge of their own spending and saving habits. You can survive this crisis, solve your credit problems, and move on to achieve your dreams, and Credit 911 can show you how.
With this book, author Rodney Anderson-a mortgage banker with over twenty years experience reviewing real-life credit cases-shares his intricate understanding of what it takes to improve your credit score and financial standing.
We live in a credit economy. Our lives are governed by credit. Credit 911 provides you with a solid understanding of how this system works and offers timely tips on taking control of your financial destiny.
Amazon Exclusive: Top Ten Credit Facts You Should Know
Content from author Rodney Anderson
1. Your credit score can affect your auto insurance rates more than your driving record. Contact your insurance agent to see if your rates are adversely affected. If they are, shop around.
2. When getting divorced, make sure your attorney has a copy of your credit report when negotiating who will be responsible for which debts. Also remember, just because a debt is awarded to your ex, doesn't mean you're not still liable, and your credit is still at risk.
3. When getting married, it's imperative to review your future spouse's credit report. Never say "I do" without full disclosure, or you're headed for a marriage full of trouble. Financial secrets are a big red flag.
4. Pay your credit cards off in full (and don't use them) 45 to 60 days before applying for a loan. This helps to maximize your credit score, providing you the opportunity to take advantage of the lowest interest rates available.
5. When you cosign for another person's debt, you are equally obligated on the loan, and are committing to make the payments if they don't. Think twice before co-signing for anyone.
6. Closing your accounts and cutting up credit cards is the fastest way to kill your credit scores. Understanding credit capacity is essential to managing your credit.
7. Paying off collections doesn’t necessarily boost your credit scores. Many times it has the opposite effect. Make sure you have a plan, and know the impact before you act.
8. The fastest way to reestablish credit after bankruptcy, foreclosure or other credit catastrophes is secured credit cards. Secured credit cards give people an opportunity for a fresh start.
9. Don't fall for credit repair claims and “sounds-too-good-to-be true” advertising. Anything a credit repair company can do, YOU can do yourself. Don't throw away your money.
10. Never open a department store credit card to save 10%. Retail store cards are provided through finance companies, and can wreak havoc on your credit scores.
A consumer credit expert, host of CBS Radio's Saving Your Financial Life with Rodney Anderson, and the creator of the Medical Debt Relief Act of 2009, Rodney Anderson provides people of all ages and skill levels with a powerful set of strategies for surviving the current credit crunch and solving a wide range of common credit problems. Whether you're facing foreclosure, bankruptcy, or mounting debt, or you're looking for ways to secure your financial future, Credit 911 can show you how to:
With over twenty years of experience advising real people on their very real credit problems, Rodney Anderson possesses an intricate understanding of what it takes to manage money effectively and to take control of one's financial life. And, after reading Credit 911, so will you.
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Book Description Hardcover. Condition: New. Seller Inventory # Abebooks578973
Book Description Condition: New. New. In shrink wrap. Looks like an interesting title! 0.9. Seller Inventory # Q-047058761X