When bad credit happens to good people. Once someone’s personal financial credit goes bad, it can be a difficult process to bring it back into good standing. This guide shows consumers how to repair their credit, increase their credit score, and avoid falling victim to the instant credit repair industry and its fraudulent claims and scams. • Research by the Federal Reserve indicates that household debt and personal bankruptcy filings are at record high levels • Only book on the shelves to include coverage of the The Fair and Accurate Credit Transaction Act, which goes into effect 12/1/2004 • Author has been featured in Money, Family Circle, and Women’s Day, and has appeared on CNBC and CNN

Good news for hard economic times . . . During this recession, even people once considered prime customers have watched their credit ratings decline. This guide shows these readers how to reestablish their credit and increase their credit scores. Topics include: the ins and outs of credit scores; where to get credit reports and how to identify mistakes; how to take advantage of consumer protection laws; telephone scripts and a letter to use when communicating with creditors and bureaus. • In 2008, over two million Americans lost jobs-and one out of every 10 mortgages were one month or more behind in payments • Author is a sought-after expert on personal financial planning, featured in Money Magazine, Family Circle, Women's Day, and on CNBC and CNN

Everyone has a Social Security Number. It's your personal ID that is often sorted with your other personal records (i.e., home address, phone number, etc.) from numerous data banks, and then sold to interested parties - without your knowledge or consent! In the wrong hands of an imposter or identity thief, this information can destroy your personal and financial privacy! With Interrupted Identity, you have an easy-to-follow, step-by-step action planning guide showing you how to prevent identity theft, and failing that, dealing with it. Complete with all the resources you need to protect your privacy, this book will show you: - What is identity theft and how to avoid having it happen to you. - Six action steps you must immediately take if your identity is stolen. - What federal and state laws deal with identity theft. - How to resolve credit problems resulting from having your identity stolen.

The "Easy to Follow Step-by-Step Instructions" in the Repairing Your Identity and Credit Comprehensive Guide includes daily tasks to be completed from Day One to Day Four. This e-book includes eight exhibits and five templates to assist in the process. The following situations may be addressed by the Repairing Your Identity and Credit procedures outlined in this e-book below: · Identity theft. · Credit reporting error(s). The restoration process is divided into four days, with specific tasks to be completed each day. It is highly recommended that you follow this method and make every effort to stick to the schedule, even though there are no guarantees of preventing further identity theft.

Identity theft happens when someone steals your personal information and uses it without your permission. It is a serious crime that can wreak havoc with your finances, credit history, and reputation – and it can take time, money, and patience to resolve. The Federal Trade Commission (FTC), the nation's consumer protection agency, prepared this guide to help you repair the damage that identity theft can cause, and reduce the risk of identity theft happening to you.If you suspect that someone has stolen your identity, acting quickly is the best way to limit the damage. Setting things straight involves some work. This guide has tips, worksheets, blank forms, and sample letters to guide you through the recovery process. It covers:• what identity theft victims must do immediately• what problems may crop up• how you can reduce your risk of identity theft

Solve your financial and credit problems once and for all! This is a dynamic, easy-to-follow program. It outlines specific, jargon-free instructions on how to eliminate your debts, remove negative items form your redit files, and establish a AAA-1 credit rating -- regardless of your past or present financial situation.