Responding in that manner may sound callous however, it was all I really knew. Time after time, customers would ask me to help them fix their credit, and all I could do was tell them to be responsible and pay their bills. Looking at a piece of paper is one thing however, meeting face-to-face with the person(s) whose credit has been decimated is another. The final determinant that drove me to create this resource was the people. I would say, without hesitation, over ninety percent of the credit reports I looked at were damaged to some degree by negative credit. Prior to writing this book, I spent three years as financial manager for a large automobile franchise looking at thousands of credit reports to determine if a customer qualified for a loan. I myself am one of the millions who have been affected by damaged credit. Over 1.7 million people will file for bankruptcy in this country alone, and there are millions more whose credit has been damaged to one degree or another. It wasn’t until I started researching the material for this book that I realized how many people have been or will be affected by poor credit. CHAPTER 3 HOW TO (RE-)ESTABLISH YOUR CREDIT RATINGĬHAPTER 4 GETTING A COPY OF YOUR CREDIT REPORTĬHAPTER 7 LET’S START CLEANING UP YOUR CREDIT REPORTĬHAPTER 8 STRENGTHENING YOUR CREDIT REPORT
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