The Credit Improvement and Protection Handbook

Oscar Rodriguez

INTRODUCTION
     Your Credit History
     What to Do if You're Having Problems
     Can an Average Person Become Wealthy Just By Saving Money?
     How Much Should You Save Each Month?

PART ONE: CREDIT REPAIR
     Credit Bureaus
     Where Do Credit Bureaus Get Their Information.?
     What Information Does A Credit Report Contain?
     Credit Correction (Step By Step Process)
     Negotiating Outstanding Balances
     Bankruptcies, Judgments, Liens and Credit Reports
     Location of Major Credit Bureaus
     Credit Report Request Form
     Formal Complaints and the Federal Trade Commission
     Adding Favorable Items To Credit Reports
     Multiple Credit Reports
     What is an Alternate File?
     How Do Alternate Files Occur?
     Merging or Piggy-Backing
     Sample Dispute Letters
     Sample Consumer Statement
     Sample Credit Reference Additions Letter
     Sample No Response to a Dispute Letter
     Sample Letter to Credit Bureau Decoding Department
     Illegal Credit Inquiry Letter
     Free Publications from the Governors of the Federal Reserve
     Federal Reserve Bank Addresses
     The Fair Credit Reporting Act

     PART TWO: CREDIT CARDS AND SETTLEMENT COSTS
     Credit Cards - A General Overview
     Tax Reform Act and Credit Card Interest Expense
     Fraudulent Credit Card Billings and What To Do
     Types of Credit Cards
     Banks Aggressively Looking to Issue Credit Cards
     Secured Credit Cards
     How to Apply for a Credit Card
     The Cost of Credit (Buyer Beware)
     Valuable Facts About Credit Card Use
     Closing Costs (Important Information Needed Before Buying)
     How to Obtain a Secured Credit Card
     Use the Bank's Money to Obtain a Secured Credit Card and Establish Credit
     Secured Credit Card Sources
     Lowest Interest Credit Card Sources (With Annual Fees)
     Lowest Interest Credit Card Sources (No Annual Fees)
     Multiple Credit Card Acquisitions
     Consumer Rights Concerning Prompt Crediting & Billing
     Secured Credit Card Request Form
     Fair Credit Billing Act

PART THREE: ACQUIRING CREDIT
     Proper Methods In Establishing Credit
     How to Get A Car Loan Even if You Are Non-Financable
     What Creditors Look For
     Credit Scoring System
     What Banks Consider To Be Negative Information
     How to Improve Your Chances Applying for a Loan
     AAA Credit in Thirty Days
     Personal Budget Worksheet
     Loan Request Cover Letter
     Net Worth Worksheet
     Debt Service and Financing Worksheet
     Credit Confirmation Form
     Women, Minorities and Credit
     Summary of the Equal Credit Opportunity Act
     Filing A Complaint If You Have Been Discriminated Against
     Sample Formal Discrimination Complaint
     Equal Credit Opportunity Act

PART FOUR: CREDIT COLLECTION
     Monthly Delinquencies
     Collection Agencies
     Fair Debt Collection Practices Act In Summary
     How to Avoid Collection Problems
     How to Handle Collection Agencies
     Bankruptcy: Ch. 13 vs. Ch. 7
     Debt Relief: Chapter 13, The Wage Earner Plan
     Bankruptcy: Chapter 7, Total Freedom From Debts
     Other Legal Strategies
     Settlement Letter
     Judgment Proofing (Step by Step Process)
     Fair Debt Collection Practices Act