Credit Repair - 17th Edition by Amy Loftsgordon & Cara O'Neill (Paperback)

About the Book

Financing a reliable car or your dream home requires good credit. Low credit scores don't just cost you more money, they limit your options. Poor credit increases the interest rates and fees you'll pay on loans, can disqualify you from mortgages and credit cards, and might even prevent you from renting an apartment or landing certain jobs. Credit Repair is the comprehensive guide to building (or rebuilding) your creditworthiness, protecting your score from future damage, and reclaiming your financial freedom.

Book Synopsis

Bad credit can get better

Bad credit can prevent you from getting a mortgage, car loan, credit card, apartment, or even a job. The sensible strategies in Credit Repair help you take control of your finances, clean up your credit reports and rebuild your credit. Learn how to:

• prioritize debts and create a budget


• reduce debts and cut expenses


• negotiate with creditors


• correct credit report errors and remove old information


• add positive information to your credit reports


• adopt strategies to rebuild your credit, and


• avoid identity theft and credit repair scams.

The 17th edition includes information on how BNPL (buy now, pay later) loans affect your credit, how medical debt is reported, and tips for dealing with automated debt collectors.

Review Quotes

"Credit Repair is a guide to improving bad credit, written by professional bankruptcy and foreclosure attorneys. Crafted to be in-depth yet thoroughly accessible to readers of all backgrounds, Credit Repair covers how to prioritize debts and create a budget, negotiate with creditors, correct credit report errors and remove old information, avoid identity theft and credit repair scams, and much more. Access to the nolo.com website, where one can download the forms contained in Credit Repair ... complements this "must-have" guide for anyone struggling with credit woes. Highly recommended, both for personal use and for public library collections." The Midwest Book Review

"A helpful guide for people who have sunk into debt, offers ideas for setting a budget and repairing credit history." Washington Times

"A high quality, do-it-yourself credit repair approach..." Reuters

"How do you distinguish genuinely helpful credit-repair professionals from scam artists? Ask your library for books such as Credit Repair." Chicago Sun-Times

"Attorneys Loftsgordon and O'Neill explain how people who have fallen behind on bills, been sued, faced a repossession or foreclosure, or even declared bankruptcy can take simple and effective steps to repair their credit. Their topics include credit reports and credit scores: the nuts and bolts, the first step to a better credit score--cleaning up your credit report, reducing current expenses and debt, getting help to negotiate and manage debts, choosing and using credit cards, and avoiding and dealing with identity theft." Eithne O'Leyne, Editor Ringgold, Inc. ProtoView

From the Author: It can be easy to fall into debt, but challenging to pay that money back. Unfortunately, the consequences of mounting debt, like delinquent bill payments, defaults, lawsuits, repossessions, foreclosures, and bankruptcy, eventually find their way into your credit report and damage your credit score. If you find yourself in a bad credit situation, this book will help you take simple and practical steps to raise your credit score and repair your credit.