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High Credit Score Secrets - The Smart Raise And Repair Guide to Excellent Credit
Poor Credit Score Could Cost You Hundreds of Thousands of Dollars
A recent financial statistic revealed that increasing your score from 'fair' to 'good' saves you an average of $86,200* over a lifetime. Imagine what you could do with that extra money?
Improve Your Credit Score in 45-60 Days or Even Less
This practical credit compendium starts off by demonstrating over 50 guaranteed methods of how you can almost immediately boost your credit score. Follow these simple, effective and proven strategies to improve your credit score from as low as 450 points to over 810. Understand the tactics to build excellent credit for yourself and how to guard that good score for a lifetime.
A good credit score is essential if you want to achieve financial freedom. This book shows exactly you how to get there and see results quickly.
The Only Credit Book You Ever Need
• The startling benefits of good credit you never realized
• Quick start guide with over 50 tested methods
• Understand how your credit score is calculated
• Straight-forward ways to build good credit fast
• Step by step advice on how to repair your credit yourself
• Best credit repair services and how to work with them
• How to keep your good credit and protect it for a lifetime
Understand the exact mathematical algorithm that all 3 major credit bureaus use to calculate your credit score. Learn what actions you can take to improve your credit score and what behavior will demote it.
High Credit Score Secrets
• How to get free credit reports and monitoring services
• Learn exactly what boosts and what lowers your credit score
• Includes print-ready dispute letters to correspond with the credit bureaus
• How to remove negative items with the section 609 credit repair
• Most proven and effective ways to raise your credit score
• Step-by-step process to settling your debts forever
• How to safeguard your credit and become protected from identity theft
Use simple and easy to follow instructions on how to handle credit bureaus if they refuse to remove inaccurate, unverifiable and questionable information. Learn about the recent consumer-friendly reforms in lending, credit score calculation, and credit bureau behavior.
Do It Yourself Smart Credit Repair
Reveals the exact methods that the credit bureaus don't want you to know. Apply the simple step-by-step process the experts use to delete all derogatory items from your credit reports. Bankruptcies, late payments, repossession, collections, judgments, liens, etc.
Start Saving Money - Improve Your Credit Score Now
Imagine being pre-qualified for your dream home, the car you always wanted, the lowest interest on any loan, and credit cards with zero interest rates over long periods of time.
Don’t let bad credit hold you back from achieving financial freedom. Your credit score not only influences all your future choices, but it also can save you thousands of dollars. In today's financial driven world it is the most critical decision to keep educating yourself.
Free Bonus - Includes lifetime access to premium credit simulator!
This amazing tool provides you with an estimated score, so you know what to expect before you take action. Explore actions like raising the limits on your cards, applying for new credit or extending your streak of on-time payments.
A recent financial statistic revealed that increasing your score from 'fair' to 'good' saves you an average of $86,200* over a lifetime. Imagine what you could do with that extra money?
Improve Your Credit Score in 45-60 Days or Even Less
This practical credit compendium starts off by demonstrating over 50 guaranteed methods of how you can almost immediately boost your credit score. Follow these simple, effective and proven strategies to improve your credit score from as low as 450 points to over 810. Understand the tactics to build excellent credit for yourself and how to guard that good score for a lifetime.
A good credit score is essential if you want to achieve financial freedom. This book shows exactly you how to get there and see results quickly.
The Only Credit Book You Ever Need
• The startling benefits of good credit you never realized
• Quick start guide with over 50 tested methods
• Understand how your credit score is calculated
• Straight-forward ways to build good credit fast
• Step by step advice on how to repair your credit yourself
• Best credit repair services and how to work with them
• How to keep your good credit and protect it for a lifetime
Understand the exact mathematical algorithm that all 3 major credit bureaus use to calculate your credit score. Learn what actions you can take to improve your credit score and what behavior will demote it.
High Credit Score Secrets
• How to get free credit reports and monitoring services
• Learn exactly what boosts and what lowers your credit score
• Includes print-ready dispute letters to correspond with the credit bureaus
• How to remove negative items with the section 609 credit repair
• Most proven and effective ways to raise your credit score
• Step-by-step process to settling your debts forever
• How to safeguard your credit and become protected from identity theft
Use simple and easy to follow instructions on how to handle credit bureaus if they refuse to remove inaccurate, unverifiable and questionable information. Learn about the recent consumer-friendly reforms in lending, credit score calculation, and credit bureau behavior.
Do It Yourself Smart Credit Repair
Reveals the exact methods that the credit bureaus don't want you to know. Apply the simple step-by-step process the experts use to delete all derogatory items from your credit reports. Bankruptcies, late payments, repossession, collections, judgments, liens, etc.
Start Saving Money - Improve Your Credit Score Now
Imagine being pre-qualified for your dream home, the car you always wanted, the lowest interest on any loan, and credit cards with zero interest rates over long periods of time.
Don’t let bad credit hold you back from achieving financial freedom. Your credit score not only influences all your future choices, but it also can save you thousands of dollars. In today's financial driven world it is the most critical decision to keep educating yourself.
Free Bonus - Includes lifetime access to premium credit simulator!
This amazing tool provides you with an estimated score, so you know what to expect before you take action. Explore actions like raising the limits on your cards, applying for new credit or extending your streak of on-time payments.
329 pages, Paperback
Published November 26, 2019
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Displaying 1 - 9 of 9 reviews
May 17, 2020
Almost all of us have credit cards, but very few of us have ever been given the playbook on how to use them properly. This title provides that playbook.
It’s chock-full of lessons and explanations on how credit works, how our credit score affects our financial lives, and what we can do to improve our score.
It’s quite comprehensive, and that’s why I give it high marks. It provides a lot of insights that we probably should’ve known our whole lives. Check it out whether you’re actively looking to improve your credit score or are just curious about living a better financial life through doing so.
-Brian Sachetta
Author of “Get Out of Your Head”
It’s chock-full of lessons and explanations on how credit works, how our credit score affects our financial lives, and what we can do to improve our score.
It’s quite comprehensive, and that’s why I give it high marks. It provides a lot of insights that we probably should’ve known our whole lives. Check it out whether you’re actively looking to improve your credit score or are just curious about living a better financial life through doing so.
-Brian Sachetta
Author of “Get Out of Your Head”
December 11, 2019
Being evaluated by a number derived from financial inputs is a fact of life these days. That number is your credit score and optimizing it through careful and smart managing of your credit resources is what High Credit Score Secrets is all about.
CREDIT SCORE REALITY IN THESE TIMES
This book was written by Thomas Herold, a native of Germany whose migration to Hawaii brought him face-to-face with the impact of his credit score on the logistics of living—cell phone contracts, car leasing, mortgages, etc.. This led to his education as a financial guru and writer, and this book.
In High Credit Score Secrets, Mr. Herold covers a wide range of topics germane to credit and credit score managing. After recounting his own “Credit Experience” story, he goes into a lengthy Chapter One that is basically a FAQ. Much baseline credit information is contained here that is especially helpful for people just learning about and trying to build credit. There are sections on: “How Do Credit Cards Work?,” “Is It Ever Too Late to Build Credit?,” “What is a Good Credit Score?,” “How Does Divorce Affect My Credit Report?,” and many other such topics.
With Chapter Two, the book digs deeper, starting with “The Benefits of Good Credit.” The factors, good and bad, affecting your credit score are covered. The components of credit scores and credit scoring models are reviewed. You’re coached on how to choose credit cards appropriate for your time in life. There are “How To” sections for building, repairing, and maintaining credit, and handling bankruptcy. There is much advice here, often presented in steps. For instance, there is “Seven tips for protecting your general credit” and “The steps to take if you are a victim of identity theft.”
This information is all laid out in many short chapters with descriptive titles to make topics easy to find and relatively painless to digest. There is much repetition of specific concepts to drive them home, so reading this book is like taking a course. If you read it through, mindfully, you’ll know something about credit finance when you finish.
AN EDUCATION AND FOUNDATIONAL UNDERSTANDING
Among those concepts and essential bits of information drilled into the reader are:
1. The three credit reporting bureaus.
2. The components of your credit report.
3. What your credit utilization ratio should be.
4. What your debt-to-income ratio should be.
5. The effect of inactive credit card accounts on your credit score.
6. The worst thing you can do when paying your student loans.
7. The effect of charging your credit cards to their limit.
8. How to get free credit reports.
What this information provides is a foundational understanding of credit that will enable you to create a solid strategy for handling your own. You will learn how to stay out of financial trouble and what the possibilities are for leveraging a good credit score into credit card perks and bonuses (lodging and travel discounts, etc.). Indeed, the section on credit cards suggestions for your age and life situation is invaluable.
Regarding the benefits of good credit (Chapter Two), Mr. Herold notes psychological well-being (you needn’t worry about credit checks), better odds for obtaining a lease or a mortgage, and even leverage for getting hired (many employers check credit scores now). This, plus the recounting of his own experiences, makes the case for maintaining a good credit score.
I like that parts of the book constitute “guides” within the larger work. So there are sections (which you should bookmark) on “Strategies to Repay your Debt,” “How to Read, Review, and Understand your Credit Report,” “The Top Ten Strategies to Build Good Credit,” “Handling Identity Theft Effectively,” and “Protecting your Credit from Student Loan Debt.”
A VALUABLE REFERENCE BOOK, BUT THERE IS A WIDER WORLD
I see High Credit Score Secrets as a valuable reference book. It’s accessible language, formatting of financial information into digestible sections, repetition of important concepts and terms, and step-by-step internal “guides,” make it your “go to” reference whenever you have credit-related questions or situations.
Mr. Herold has been quite successful, I think, in meeting his apparent goals with this book. It does what it’s meant to do, so I don’t have much criticism to offer. Only that, maybe in a couple of areas he gets a bit overly enthusiastic. For instance, the passage: “There are few things as exciting for you as receiving approval on your first credit card.” I would not go that far. A credit card can be a useful tool, but I think a sunrise over Machu Picchu probably tops it as a life experience. But of course, the right credit card and a good credit score could help you get to Machu Picchu.
LIGHT SHED ON PAST CREDIT EXPERIENCE AND GUIDANCE FOR THE FUTURE
High Credit Score Secrets works as a reference for credit handling issues that impact your credit score. It is a handy educational tool for understanding credit management, credit scoring, and how it all works to your advantage or detriment in current financial life. I highly recommend it as an essential part of your financial toolbox.
I have been personally dealing with credit, credit cards, loans and mortgages for many years. The concepts in High Credit Score Secrets rang many bells for me, making sense of a number of credit experiences in my life. I see that I’ve been both lucky and remiss at times. I think now, having read this book, I can handle things better. And if you take Mr. Herold’s advice to heart, so can you.
CREDIT SCORE REALITY IN THESE TIMES
This book was written by Thomas Herold, a native of Germany whose migration to Hawaii brought him face-to-face with the impact of his credit score on the logistics of living—cell phone contracts, car leasing, mortgages, etc.. This led to his education as a financial guru and writer, and this book.
In High Credit Score Secrets, Mr. Herold covers a wide range of topics germane to credit and credit score managing. After recounting his own “Credit Experience” story, he goes into a lengthy Chapter One that is basically a FAQ. Much baseline credit information is contained here that is especially helpful for people just learning about and trying to build credit. There are sections on: “How Do Credit Cards Work?,” “Is It Ever Too Late to Build Credit?,” “What is a Good Credit Score?,” “How Does Divorce Affect My Credit Report?,” and many other such topics.
With Chapter Two, the book digs deeper, starting with “The Benefits of Good Credit.” The factors, good and bad, affecting your credit score are covered. The components of credit scores and credit scoring models are reviewed. You’re coached on how to choose credit cards appropriate for your time in life. There are “How To” sections for building, repairing, and maintaining credit, and handling bankruptcy. There is much advice here, often presented in steps. For instance, there is “Seven tips for protecting your general credit” and “The steps to take if you are a victim of identity theft.”
This information is all laid out in many short chapters with descriptive titles to make topics easy to find and relatively painless to digest. There is much repetition of specific concepts to drive them home, so reading this book is like taking a course. If you read it through, mindfully, you’ll know something about credit finance when you finish.
AN EDUCATION AND FOUNDATIONAL UNDERSTANDING
Among those concepts and essential bits of information drilled into the reader are:
1. The three credit reporting bureaus.
2. The components of your credit report.
3. What your credit utilization ratio should be.
4. What your debt-to-income ratio should be.
5. The effect of inactive credit card accounts on your credit score.
6. The worst thing you can do when paying your student loans.
7. The effect of charging your credit cards to their limit.
8. How to get free credit reports.
What this information provides is a foundational understanding of credit that will enable you to create a solid strategy for handling your own. You will learn how to stay out of financial trouble and what the possibilities are for leveraging a good credit score into credit card perks and bonuses (lodging and travel discounts, etc.). Indeed, the section on credit cards suggestions for your age and life situation is invaluable.
Regarding the benefits of good credit (Chapter Two), Mr. Herold notes psychological well-being (you needn’t worry about credit checks), better odds for obtaining a lease or a mortgage, and even leverage for getting hired (many employers check credit scores now). This, plus the recounting of his own experiences, makes the case for maintaining a good credit score.
I like that parts of the book constitute “guides” within the larger work. So there are sections (which you should bookmark) on “Strategies to Repay your Debt,” “How to Read, Review, and Understand your Credit Report,” “The Top Ten Strategies to Build Good Credit,” “Handling Identity Theft Effectively,” and “Protecting your Credit from Student Loan Debt.”
A VALUABLE REFERENCE BOOK, BUT THERE IS A WIDER WORLD
I see High Credit Score Secrets as a valuable reference book. It’s accessible language, formatting of financial information into digestible sections, repetition of important concepts and terms, and step-by-step internal “guides,” make it your “go to” reference whenever you have credit-related questions or situations.
Mr. Herold has been quite successful, I think, in meeting his apparent goals with this book. It does what it’s meant to do, so I don’t have much criticism to offer. Only that, maybe in a couple of areas he gets a bit overly enthusiastic. For instance, the passage: “There are few things as exciting for you as receiving approval on your first credit card.” I would not go that far. A credit card can be a useful tool, but I think a sunrise over Machu Picchu probably tops it as a life experience. But of course, the right credit card and a good credit score could help you get to Machu Picchu.
LIGHT SHED ON PAST CREDIT EXPERIENCE AND GUIDANCE FOR THE FUTURE
High Credit Score Secrets works as a reference for credit handling issues that impact your credit score. It is a handy educational tool for understanding credit management, credit scoring, and how it all works to your advantage or detriment in current financial life. I highly recommend it as an essential part of your financial toolbox.
I have been personally dealing with credit, credit cards, loans and mortgages for many years. The concepts in High Credit Score Secrets rang many bells for me, making sense of a number of credit experiences in my life. I see that I’ve been both lucky and remiss at times. I think now, having read this book, I can handle things better. And if you take Mr. Herold’s advice to heart, so can you.
January 23, 2020
Important knowledge
I like this book because it educates me on how credit score is valued now. Early on, I really don’t care how much was my credit score. Along the way, I realized credit score is important as I make our living stable.
The book taught me a lot. I was just curious this book mention specific cards, agencies, offices etc. I’m wondering if those mentioned were from a study or surveys or what. But over all, I valued this book.
I like this book because it educates me on how credit score is valued now. Early on, I really don’t care how much was my credit score. Along the way, I realized credit score is important as I make our living stable.
The book taught me a lot. I was just curious this book mention specific cards, agencies, offices etc. I’m wondering if those mentioned were from a study or surveys or what. But over all, I valued this book.
December 21, 2020
Really useful read for someone who has no idea how credit cards work (I.e. me). While being repetitive about the topic it’s welcomed because I can walk away from texted with the core tenets of the writing drilled into my head, credit utilization is 30% of your score and credit history is 35% of your score among many other useful tadbits of info. I’d recommend it.
April 3, 2020
Really good summary
Th credit score book has lots of good info, similar to stuff you'd find in Wikipedia but all in one spot
Th credit score book has lots of good info, similar to stuff you'd find in Wikipedia but all in one spot
January 31, 2021
Good
Breaks down credit, how to fix it and how to keep a good score really well. Definitely would recommend to read
Breaks down credit, how to fix it and how to keep a good score really well. Definitely would recommend to read
November 25, 2021
Good read
Always trying to learn something great references. Anyone can clean up there own credit report. Can’t wait to start another self help book
Always trying to learn something great references. Anyone can clean up there own credit report. Can’t wait to start another self help book
August 29, 2024
It was a good read. Very helpful for a starter. Felt like most of the topics were repetitive in successive chapters.
April 24, 2020
By the numbers
Very detailed, simple, and full of informative insights into the world of credit scores; if you’re new to the calculations of credit or just need a refresher - this is the book for you.
Very detailed, simple, and full of informative insights into the world of credit scores; if you’re new to the calculations of credit or just need a refresher - this is the book for you.
Displaying 1 - 9 of 9 reviews