CONTENTS AT A GLANCE

Intro I

Part 1:
CREDIT REPORT SCORING / FICO SCORES
*
CREDIT REPORT CODES / TYPES OF MORTGAGE CREDIT
*
Credit cards
*
Manage your credit cards
*
Minimum payments and finance charges
*
Types of credit cards
*
Choosing and using credit cards
*
Young people and credit cards
*
Good rate credit cards
*
Security Watch
*
Credit card fraud
*
Credit card billing errors
*
Credit card blocking
*
THE FAIR CREDIT & CHARGE CARD DISCLOSURE ACT
*
THE FAIR CREDIT BILLING ACT

Part 2:
ESTABLISHING CREDIT
**
STEPS TO ESTABLISHING CREDIT
**
LOAN APPLICATIONS…. WHAT BANKS DON’T WANT TO SEE
**
DEBT FREE
**
NEGOTIATE YOUR DEBTS
**
COSIGNING A LOAN, FACTS YOU SHOULD KNOW FIRST
**
BANKRUPTCY CHAPTER
7, 11 & 13
**
WORKING WITH COLLECTION AGENCIES
& CREDITORS
**
EXAMPLE LETTERS
**
NETWORTH WORK SHEET
**
DEBT TO INCOME WORKSHEET
**
THE CREDIT PRACTICES RULE
**
THE FAIR DEBT COLLECTION PRACTICES ACT

Part 3:
WHO PUTS INFORMATION ON MY CREDIT REPORT?
*
CONTENTS OF A CREDIT REPORT
*
MAJOR CREDIT BUREAUS
*
CREDIT FILE REQUEST
*
CREDIT REQUEST LETTER
*
CREDIT IMPROVEMENT
*
CREDIT IMPROVEMENT STEPS
*
IMPROVING YOUR CREDIT (SUPPLEMENT)
*
EXAMPLE DISPUTE LETTERS / CONSUMER STATEMENT
*
FREE CREDIT REPORTS
*
OPT OUT ADVERTISING
*
THE FAIR CREDIT REPORTING ACT

Part 4:
HOME BUYER GUIDE / RENT VS. OWN

*
STEP BY STEP HOME BUYING
Choose a Realtor / Mortgage Consultant
*
REAL ESTATE BROKER
*
WHAT TO LOOK FOR IN A REALTOR

ACCEPTED OFFER – WHAT NEXT?
*
APPRAISAL AND INSPECTION
*
TITLE SEARCH / TITLE INSURANCE
*
ESCROW
*
(RESPA) SUPPLEMENT
*
WHAT THE SELLER PAYS AND WHAT THE BUYER PAYS
*
HOME OWNERS WARRANTY

PART FIVE

HOW SHOULD YOU CHOOSE A MORTGAGE CONSULTANT / LENDER?

WHAT TO LOOK FOR IN A MORTGAGE CONSULTANT
*
LOAN PROCESS BASIC
*
TOP 10 NOT TO DO’S DURING YOUR LOAN PROCESS
*
LOAN CHECK LIST / LOAN CLOSING
*
LOAN PROGRAMS / LOAN TO VALUE
*
MORTGAGE UNDERWRITING
*
RAPID RE-SCORE
*
TAXES AND INSURANCE IN PAYMENT
*
SPECIAL NOTE ON CITY, COUNTY AND STATE LOANS
*
MOVING CHECKLIST
*
THE TRUTH IN LENDING ACT
*
THE EQUAL CREDIT OPPORTUNITY ACT
*
THE FAIR AND ACCURATE CREDIT TRANSACTION ACT

MISCELLANEOUS INFORMATION

Credit Repair Scams
*
Identity Theft and how to resolve it if it happens to you
*
Credit Repair Organization Act
*
Consumer Disputes
*
How to resolve Consumer Disputes
*
Choosing a dispute resolution program
*
Shopping by Phone or Mail
*
Spotting credit-related scams
*
Car Financing Scams
*
Vehicle Repossession

Book Summary

Resources
Glossary

• Establishing Credit
• What Banks Don't Like To See..
• Other Things You Should Know
• Cosigning a Loan?
• Bankruptcy Chapters 7, 11 & 13
• Bankruptcy, Don't Do It!
• Think! Before Filing
• Working With Collection Agencies & Creditors
• Collecting a Debt
• Negotiating Your Debts-Steps To Remember
  
  

• Example Letter Index
  Credit Profile/Report Request Form
  Example # 1
• Dispute Letter - Example #2
• Dispute Letter - Example #3 (No Response)
• Dispute Letter - Example #4 (No Response)
• Dispute Letter - Example #5 (No Response)
• Dispute Letter - Example #6 (Inquiries)
• Dispute Letter - Example #7
• Consumer Statement - Example #8
• Adding Credit Information - Example #9
• Secure Credit Card Request Form-Example # 10
• Confirmation Letter - Example # 11
  Cover Letter For Loan Request -Example # 12
• Net Worth Worksheet - Example # 13
• Debt/Income Ratio Worksheet-Example # 14
• Complaint Letter Against Banks
  & Lending Companies - Example # 15
• Settlement Letter - Example # 16
  Endorsement Provision Letter-Example # 17
• Complaint Letter Collection Agencies
  & Creditors - Example # 18
  

• The Truth In Lending Act
• Equal Credit Opportunity
• Credit Practices Rule & The Fair
  Credit & Charge Card Act (Supplement)
• * Fair Credit Reporting Act
• Fair Credit Billing Act
• Fair Debt Collection Practices Act
• The Federal Trade Commission
• The Federal Trade Commission
• Addresses & Phone Numbers
• Complaint Filing Process
  

• The Credit Practices Rule (Supplement)
• **Credit Repair Scams**
• Car Financing Scams
• Fair Debt Collection
• How to Resolve Consumer Disputes
• Shopping By Phone or Mail
• Vehicle Repossession
• **Credit Repair Organization Act
• GLOSSARY