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    Raise Your Credit Scores!
    Raise Your Credit Scores!
    Raise Your Credit Scores!
    Ebook91 pages43 minutes

    Raise Your Credit Scores!

    By William Molloy

    4.5/5

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    Read preview

    • Credit Reports

    • Credit Scores

    • Credit Score Improvement

    • Credit Reporting Agencies

    • Debt Management

    • Self-Improvement

    • Financial Struggle

    • Negotiation

    • Information Overload

    • Legal Dispute

    • Debt

    • Bureaucratic Maze

    • Bureaucratic Hurdles

    • Underdog Vs. Authority

    • Complex Systems

    • Payment History

    • Financial Management

    • Dispute Letters

    • Debt Collection

    • Credit Score

    About this ebook

    A simple, easy to follow guide to understand how the personal credit system works and how to work with the system in order to improve your personal credit scores fast!
    In these economic times with foreclosures, short sales and massive unemployment, millions of Americans could only sit by and watch their good credit rating fall.
    The credit system is very complicated and most people just don't understand it. This book explains how the system works, in plain English and offers those with damaged credit the opportunity to improve their credit rating in months instead of years and even in one day if they follow this guide.

    LanguageEnglish
    PublisherWilliam Molloy
    Release dateJul 9, 2012
    ISBN9781476086460
    Raise Your Credit Scores!
    Author

    William Molloy

    I've had a diverse professional life. I've been a licensed Real Estate Salesman and broker. I owned a custom home building company in New York for 18 years. I've sold real estate and vacation packages for Marriott and Hilton. I was a senior corporate officer with a non profit credit restoration company for 6 years and taught personal and business credit at a local community college for 3 years.For more than 40 years I've worked with people with credit issues.I've learned how the system works and how to use it to improve personal credit.

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    • 4/5
      VERY INFORMATIVE easey to understand step by step break down was very helpful

    Book preview

    Raise Your Credit Scores! - William Molloy

    Are you suffering with low credit scores, like millions of Americans today?

    Are you paying 9% on your credit cards and car loans or 22%?

    Have you been unemployed and through no fault of your own?

    You haven’t paid your debts on time?

    Have you lost your home to Foreclosure?

    Are you or have you been involved in a short-sale on your home?

    Have you made late payments on your debts?

    Are you being harassed by bill collectors?

    Divorced? Illness? Job loss? ID Theft? More?

    Most of us have had financial problems that will have a negative impact on our personal credit and we all know that in our society, in order to move forward and live the life we want we MUST have good credit.

    We also know that once your credit is damaged it can be a nightmare for years to get that good credit back and can cost many thousands of dollars in the process by having to pay high interest and fees.

    Presently there are the 3 big credit reporting agencies (CRA’s): Experian, Equifax and Transunion.

    Did you know there are more thousands of sub-agencies that produce and sell credit information in this country?

    Did you know that many vendors will only pull one report/score from one CRA or sub-agency and quite often, the one they pull may show your LOWEST score?

    Why? Simple! They can charge you more interest and higher fees!

    The information in this book will help you to improve your credit and raise your credit scores! Use it! It works!

    In order for you to begin improving your credit you first have to understand how credit works and what your credit scores are. I purposely haven’t included page after page about credit history and huge numbers of charts and graphs that show you all of the statistical information about credit.

    Although interesting information, it won’t help you to begin improving your credit now! I wanted to offer a simple guide to help you to understand how the credit system works and not how to combat it, but how to work within the system to help you get those scores up as fast as possible.

    To my knowledge there are no schools that offer a formal education about the credit industry. All of what I’ve learned has been acquired over more than 40 years through my own experiences and working with others.

    I am NOT a legal professional nor a financial professional. The information I’ve provided in this book has been learned on the job. I’ve worked successfully over the years as a business owner of several businesses in different states. Most of that was in the real estate industry.

    AUTHOR QUALIFICATIONS:

    I’ve held licenses as a real estate salesman; a real estate broker and I owned a custom home building company for 18 years that completed more than 300 homes. I’ve written two books on real estate, The Complete Home Buyers Bible in 1996 and another, Save $50,000 On Your New Home in 1997 both published by John Wiley and Sons, NY.NY. You can see them on Amazon.com.

    I was a senior corporate officer of a non-profit credit restoration company for 6 years where I worked one on one with more than 100 mortgage companies and hundreds of their clients

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