{"product_id":"2940013031258","title":"The Super Secrets Of Credit - How Anyone Can Establish, Manage, Repair and Erase Bad Credit Without Losing $1,000s to Credit Repair Company!","description":"CONTENTS \u003cbr\u003eCHAPTER ONE\u003cbr\u003eCredit - understanding genesis of bad credit. \u003cbr\u003eCHAPTER TWO \u003cbr\u003eCredit rating: - how you are scored. \u003cbr\u003eCHAPTER THREE \u003cbr\u003eYour credits score - how you can improve it. \u003cbr\u003eCHAPTER FOUR\u003cbr\u003eCredit report – its effect on your personal credit \u003cbr\u003eCHAPTER FIVE \u003cbr\u003eYour personal credit report: - how you can correct errors. \u003cbr\u003eCHAPTER SIX \u003cbr\u003eCredit Repair Company: - a blessing or a course. \u003cbr\u003eCHAPTER SEVEN \u003cbr\u003eAbsolute truth about credit repair companies \u003cbr\u003eCHAPTER EIGHT\u003cbr\u003eCredit cards: - types and what you need to know about them. \u003cbr\u003eCHAPTER NINE\u003cbr\u003eShopping for new Credit Card: - Important tips to consider. \u003cbr\u003eCHAPTER TEN \u003cbr\u003eDo’s and don’t of credit card game. \u003cbr\u003eCHAPTER ELEVEN \u003cbr\u003eHow to get credit card of your choice. \u003cbr\u003eCHAPTER TWELVE \u003cbr\u003eBuy Now Pay Later – Disadvantages of using credit card and how to get over it. \u003cbr\u003eCHAPTER THIRTEEN \u003cbr\u003eHow to avoid high interest charges on your credit card. \u003cbr\u003eCHAPTER FOURTEEN \u003cbr\u003eHow to get loan even if you have bad credit. \u003cbr\u003eCHAPTER FIFTEEN \u003cbr\u003eImportant Credit Card Plan terms you must consider. CHAPTER ONE\u003cbr\u003eCredit - understanding genesis of bad credit. \u003cbr\u003eIt’s very obvious that we now live in a credit world. There are lots of banking institutions offering different forms of credit from credit card to personal loans. The amount of people with credit cards is rising very fast. Apart from that, lots of people can hardly do without credit. \u003cbr\u003e\u003cbr\u003eBecause of lack of enough financial education and discipline on the part of most of these consumers they often find themselves in bad credit situations like court judgement, bankruptcy, and loan default which often make it difficult for them to get any credit at all in future. You may now want to ask – what exactly is credit? \u003cbr\u003e\u003cbr\u003eCredit means that you are getting a service or cash grant to use for your own purpose. You are often bound with a contract or agreement to repay in future as agreed with lender or service provider. Credit exists in different forms like loan, mortgage, or credit card. \u003cbr\u003e\u003cbr\u003eBefore you can get credit from any financial institution or lending agency, they will first check your credit history. If you have default on loan before or have bad credit history you will find it almost difficult to get credit any time you apply for it. \u003cbr\u003e\u003cbr\u003eHowever, it’s possible for you to improve your credit history or build a new good credit history by repairing your credit, thus re-establishing your credit-worthiness. This process is called credit repair. It’s the process in which consumers with unfavorable credit histories attempt to reestablish their credit-worthiness.\u003cbr\u003e\u003cbr\u003eThough there are lots of credit repair companies nowadays that promises repairing your credit for you, if you can follow simple guide, it’s very possible for you to do it yourself – afterall it’s your credit.\u003cbr\u003e\u003cbr\u003eIf you repair your credit it will make it easy for you to get low interest credit, car or home loans. However, with poor credit rating you may not be able to get loan or be subjected to high interest rates and several other unnecessary conditions. So it’s very important that you repair your credit if you have bad credit. You will get lots of tips on how to do this easily in this book. CHAPTER TWO \u003cbr\u003eCredit rating: - how you are scored. \u003cbr\u003e\u003cbr\u003eGetting approval for any type of loan depends on your credit rating. If you have average credit rating, you will find it almost impossible to get approved. It’s possible to get good rating or even improve you credit rating. Most companies almost use same rating system and if you are able to know more about it you should be able to have better credit score. \u003cbr\u003e\u003cbr\u003eYour age is the first factor which it’s almost impossible to do anything about. Yes it’s possible to lie, but don’t because it will make things more difficult for you in future if the creditor get to know. If you are between 24 to 64 years of age you will get one point. Any age bellow or above that will score you zero point. \u003cbr\u003e\u003cbr\u003eIf you are married you have chance of adding extra point to your score. If not, you still score zero as most creditors see you as a higher risk. Also if you have no dependant you will score zero. But if you have between one to three you will add to your points. Here is how it works – if you have no dependant creditors believe you can skip town and not pay off your credit. \u003cbr\u003e\u003cbr\u003eCreditors will also want to know more about your root. They will want to know where you live. Owning a home with a big fat mortgage or even without mortgage will give you more points. How long you stay in your present or previous residence also adds more points to your score. If you’ve move so often you will score zero point. \u003cbr\u003e\u003cbr\u003eTO BE CONTINUED... Buy now and enjoy the content in full!","brand":"S.H.W.","offers":[{"title":"Default Title","offer_id":47069889954032,"sku":"2940013031258","price":2.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0737\/7593\/9824\/files\/2940013031258_p0.jpg?v=1763575991","url":"https:\/\/shop-qa.barnesandnoble.com\/products\/2940013031258","provider":"Barnes \u0026 Noble (DEV)","version":"1.0","type":"link"}