Personal Credit

Thousands of people struggle with debt each year. More than 75 percent of American households have some form of debt. According to Experian, Americans carry, on average, more than $5,000.00 on credit cards alone! 54 to 66 percent of Americans live paycheck to paycheck, and nearly half of them struggle to make minimum payments. And millions of Americans suffer from poor credit scores, too. Fret not. This book shows how to raise your credit score!

Credit is for Poor People gives you an unapologetic look at poverty in America. This book will break down how social credit has been ushered in by way of social media and artificial intelligence. Find out why child support is nothing more than a contract and how you can remove it from your consumer report.

Education is one of the key foundations to success, and it is no different when it comes to finance and credit. In my circle, or even in several online communities, I see it all the time - people still struggle with balancing their financial lives, their salary, and their debt, and simply getting access to the standards by which Americans are gauged on: their credit score. Yes, that magic number that dictate what you are entitled to.

According to CNBC News, 90 percent of lenders base their lending decision on your credit score. Considering almost every important decision in your life is based on this score, having a higher score seems to be the only way out. Since your credit score seems to be the sole “decision-maker”, it is important that you have the best score. If you’re constantly being denied or overlooked because of your credit score, sit back, relax, and enjoy this book because we have some work to do.

Bad credit can prevent you from getting a mortgage, car loan, credit card, apartment, or even a job. It can also mean paying a bundle in rates and fees for any loans or credit you do get. There is a lot of confusion as to how your credit score changes and what the factors are. Don't be left in the dark as to why your credit is low.

Credit repair is available to everyone. Roughly 30 percent of all Americans are dealing with a poor credit score, and more are falling into the trap of bad credit on a daily basis. When you are at the bottom of a debt-shaped hole, it can appear as though the deck is stacked against you and that you have no way of climbing your way out. This is quite simply not the case, and this audiobook can show you how much power you really have when it comes to improving your situation in as little as a few months' time.

Having financial hardships? That's the frightening reality of adulthood. Sometimes it's best to go back to basics. Instead of buying something that will fade, break, or go out of style, get something that will help you now and in the future. How to Be Financial AF is a light-hearted, funny audiobook with the fundamental parts of finance. It has real-life advice, examples, and actionable tips we were never told. With these tips and strategies shared in this book, you'll be able to take action immediately and make instant impact in your life.

Imagine your entire life's credit performance reduced to a three digit number. You do not have to imagine it because it is real and chances are right at this moment, three credit agencies are now adding all your balances in your credit cards, computing all your unpaid mortgages, and counting all days of delayed payments.

How to repair your credit report? The route you choose will depend on: Your budget, that is, how much you can afford. Your level of confidence in resolving disputes on your own. The number of negative items you want to dispute. The more mistakes you need to correct, the greater your potential to increase your credit score. If you don't have more than a few mistakes to fix, it could be worth the money you spend on a professional credit repair service. The money you save through lower long-term interest rates may justify a little money spent now.

Bankruptcy doesn’t have to the be the end of your happiness and security. Let my experience and know-how restore your faith, your peace of mind, and make you money calm. In Money Calm, I take you by the hand as a gentle guide to help you navigate the emotional waves of bankruptcy. I journey with you to financial peace as I share my own financial disaster, lessons learned, and practical tips I gathered on my own path from bankruptcy to financial abundance.

Everyone desires to get the best out of everything, enjoy the world, and relish all that it has to offer. However, the world is filled with limited resources, and can only give so much. The world has been in existence for over a billion years with its resources. With the activities of humanity, these resources gradually depleted and were progressively reduced. Much more than a quote or norm, man's needs or wants became unlimited, making it insufficient to curb the limited resources present in the world.

Introducing the "Credit Wellness Bundle"—your comprehensive toolkit for mastering the art of credit management and achieving financial freedom. This audiobook bundle includes two essential titles that will equip you with the knowledge and strategies to take charge of your credit health and secure a brighter financial future. Whether you're looking to build a strong credit foundation or repair past credit mishaps, the "Credit Wellness Bundle" is your one-stop solution for credit mastery.

Everyone has an opportunity to grow their money and get out of debt, but you must start to make this a reality. Be warned, though, when your income starts to grow, it is easy to fall into temptation and start spending more than you are earning again. Refrain and continue saving and investing your money. Every small step counts. Every coin kept and invested counts. If you use the profit you make, you will be unable to grow your wealth...With time, you will have a venture that can not only buy you whatever you want but one that will continue to grow over the years.

This guidebook will cover all of the tips and tricks that you need to know in order to get to know about credit scores. There are likewise different organizations that offer free credit score reports. However, you need to pursue a free time for testing, after which you will start to pay for the administration. You can utilize these administrations if you are worried about wholesale fraud, or when you are building your credit profile and you have to screen your advancement.

This audiobook fully discusses fighting identity theft and the value of placing a Credit Freeze on your credit report so that it cannot be accessed by any unauthorized person trying to get credit on your behalf. The Credit Freeze became California law in 2003, and the other states followed suit shortly thereafter, and in the author's opinion, one of the most important sections of that legislation states that in the case of an address change, the written confirmation shall be sent to both the new address and to the former address.

You Deserve All the Credit teaches you to roll up your sleeves and do the work! There are no short cuts or get rich-quick schemes. You can control of your financial and credit fitness no matter what stage you are in life. This guide is the simplest, most straightforward plan for completely making over your money habits. It is based on results and years of experience with bankrupt people.

Are you too busy to pay much attention to your money? Do you worry that maybe you haven't been doing the right things? This book is for you, from Jane Bryant Quinn, the most trusted voice in personal finance. Her classic bestseller, Making the Most of Your Money, guided a generation toward smart...

In an age where financial well-being is more important than ever, the journey to prosperity often begins with understanding and mastering the enigmatic world of credit. "Credit Secrets Revealed" is your invaluable companion on this transformative voyage, offering a profound exploration of the hidden paths to financial freedom.

In the labyrinth of personal finance, understanding and mastering credit is your passport to a more secure and prosperous future. "Credit Secrets For Beginners" is the compass that will guide you on this vital journey, revealing the essential insights to build a strong financial foundation and unlock your true financial potential.

You should read this if: You are tired of renting and not having anything to show for it other than a roof over your head. You are finding it hard to afford the rent you are paying, which is consistently going up, but think you are unable to qualify for or afford your own home. You are looking for another source of income but seem never to have enough hours in the day for another “side hustle”. You want to live in a better area of town but think you can’t afford to move.