Product Description
A bad credit rating can keep you from buying a house, renting a car, or even sending flowers. yet most people don’t know how to find out the status of their credit or how to fix it if it’s bad.
This book can save you time and money. Written by a journalist and a credit consultant to the mortgage industry, The Guerrilla Guide to Credit Repair tells you how the major credit bureaus compile your credit history, and teaches you how to deal with them if there is a problem. Easy to use, the book shows you:
–How to contact three major credit bureaus and get a copy of your credit report.
–How to decipher and understand the report’s complex codes, numbers, and implications.
–Step-by-step, how to c… More >>
I have an extensive library of books on credit repair. I am argueably Amenrica’s #1 expert on the subject bar none. I have the credentials to prove that.
I’ve not seen one book to date that is anything but pure pap and of little or no value whatever. They are entertaining and that’s about it. Most of them make no sense at all, especially those which tell you how to “fix” your credit. The first problem that all such authors and credit repair companies alike never seem to address is that in the majority of cases it is not the fault of the credit bureaus when derogatory comments appear on one’s credit bureau files. It is the fault of the debtor because he failed to pay his bills on time for whatever reason. If there is an actualy error on the credit bureau files it is usually still not the fault of the credit bureaus but rather the fault of the reporter of that information and it is to that person the debtor should turn for the resolution of his problems. Endless waves of “spam” to the credit bureaus is not the way to resolve the problem. In the event that the listing is correct but the debtor still wishes to have it removed, that is indeed usually possible but not through bombarding credit bureaus with endless waves of letters claiming that the account is not mine or is somehow in error. That’s simply not the way to get the job done, yet untold numbers of people are falsely led to believe that it is by credit repair companies and message boards all across the internet.
…It does not teach how to engage in illegal or ignorant methods usually employed by those who foll ow the advice of such pap authors as this one. The proper answer to the problems lies in understanding the law and how to use it to one’s benefit when one’s rights have been violated or they have been denied due process of law, not in some cute trick or other.
It is indeed sad how many people are led to believe that these supposed gurus have any real knowledge of how to deal with creditors and are duped into doing things that are often downright illegal or totally immoral and have little or no basis in the law.
Rating: 1 / 5
I’m a loan officer, and after reading this book, I definitely want full documentation from my customers before I have any loan approved. Why? One review called it ‘cloaking’, that’s about right. You aren’t going to repair any credit telling a creditor to stop mailing. And covering your problems up will only surmount to new problems. Just pay your bills on-time, and you will repair the problems. People honestly believe there is a quick-fix to credit, and I will tell you now – THE ONLY HEALER IS TIME AND A HISTORY OF ON-TIME PAYMENT! Deadbeats may want to read this book to learn more about how to create problems. God Bless and good luck with your Chapter 13s! Email if you wish.
Rating: 2 / 5
The main idea of this book is that credit reporting is an unfair process to consumers and more legislation is needed to regulate the industry. The authors paint a grim picture of credit agencies and leads you to believe you should be afraid of them. First of all the book is severely outdated. The book falls short due to the amount of mis-information. For example, it convinces readers that anyone that requests their credit report can obtain one; it advises that credit reports are reviewed when a person applies to college and convinces readers that credit reports are so personal that they contain information about a person’s grooming habits. LOL – come one, get serious! The book is outdated and at least half of it focuses on trying to teach readers how to manipulate the credit-reporting system to have correct data removed from a credit report. In addition, the book is full of contradictions. It claims that credit reporting is done to punish, even torment consumers and that it’s unfair, but a few pages later, the authors state that the intricate system ultimately benefits consumers. Which is it?! It also suggest readers partake in illegal activity in order to obtain a credit report like the ones creditors receive. It tells them to pose as a landlord or employer. This is illegal! Unless you’re a deadbeat with low morals, this book is not for you. I’d recommend The Insider’s Guide to Credit Repair by K.E. Varner for more useful, practical advice.
Rating: 1 / 5
Bierman has written several books on the subject of credit repair. Why? Why not write ONE book, and update it with new editions? Because he’s basically nothing more than a credit repair agency operating as an author. None of his books is overly helpful, none of his books gives you any more info than a decent use of Google won’t uncover. I want to know what REALLY effects my score. I want to know how removing a false collections report will effect my score. Will I find that kind of info in a Bierman book? Never.
Rating: 1 / 5
Although this particular book offers some useful information, it uses the same strategy as every other book writen about this subject. Save your money, pay your creditors. If you can borrow the book from a friend, then do so.
Rating: 2 / 5