Review: A GOOD OVERVIEW OF PERSONAL CREDIT REPORTS AND CREDIT REPAIR
Rating: 4 out of 5
Date: 05 23, 2014
Four INFORMATIVE Stars. Author Jack Abner gives a trenchant overview of "Your Ultimate Guide To CREDIT REPAIR", with the subtitle "How to Permanently Fix Your Credit and Get the Credit Score You Deserve", all in 23 pages. This is a lofty goal focused on the complex matter of personal credit that the author states is based on somewhat mysterious rules that can change without national fanfare. Many excellent nuggets of information that the reader may or may not know with respect to initiating, maintaining, and repairing credit are stated, giving the reader 'jumping off points' to explore on their own in other books on specific topics within the world of credit, on the internet, and/or with credit specialists. The important point he states is for the reader to get and review all three credit reports and scores 'in minute detail',  to question errors, and to get errors immediately challenged to the credit agency  or agencies generating the credit report, and getting it changed NOW. In addition he covers what determines the credit score, why a lender may see a different score from the borrower, and how to raise the credit score and keep it high. One subject not broached is 'identity theft' and the rise of the many 'identity theft agencies' that are another tool in watching all of the credit reports and bank accounts from the professional level-that is what they do and that is all they do-24 hours a day. I use one and they are very 'vigilant and pro-active', noting the slightest changes in the personal finance landscape. It also helps if you can identify known potential identity thieves in your life. But these agencies cost a fee, whereas using author Abner's techniques of being individually responsible cost very little, if any out of pocket money.Ultimately, the author's reach exceeds his grasp because the subjects are too deep and complex and credit repair is a world unto itself, but he gives much food for thought, highlights specific 'nuggets' of information and action, opens areas that may bear investigation, and in so doing the reader may discover even more areas not discussed here that may need exploring. But the author's implied mantra of 'be alert, be vigilant, and take immediate action' is well stated. Very Definitely Recommended as a starting point and general personal credit overview, especially for those new to the world of credit. Four VIGILANT Stars.