How to Use the CD-ROM | p. xi |
Using Self-Help Law Books | p. xv |
Introduction | p. xxi |
Assessing Your Situation | p. 1 |
Debt-The American Way | |
Dealing with Debt Emergencies | |
Get a Clear Picture of Your Finances | |
Understanding Debt | |
Dealing with Your Emotions | |
Your Rights | |
Creditor Tactics | |
Becoming a Wise Consumer | p. 29 |
Credit Card Usage | |
Shopping in Stores | |
Rebates | |
Dispute Resolution Programs | |
Shopping from Catalogs or Online | |
Refunds | |
Gift Cards | |
Resolving Problems with Telephone or Online Merchants | |
Credit Scores | p. 45 |
How a Credit Score is Calculated | |
Why Your Credit Score is Important | |
How to Get Your Credit Score | |
How to Improve Your Credit Score | |
Understanding Your Credit Report | p. 53 |
Credit Reporting Agencies | |
Your Credit Report | |
Reading Your Credit Report | |
What Makes a Good Credit Report | |
Changing Your Credit Report | p. 77 |
Disputing Bills | |
Correcting Your Credit Report | |
Disputing After Reinvestigation | |
Adding Accounts to Your Credit Report | |
Removing Inquiries | |
Adding a Statement to Your Credit Report | |
Suing a Credit Agency | |
Organizing Your Correspondence | |
Reducing Your Debt and Improving Cash Flow | p. 93 |
Prioritizing Your Debts | |
Dealing with Your Creditors | |
Dealing with Specific Types of Debt | |
Student Loans | |
General Negotiating Tips | |
Eliminating Debts You Do Not Owe | |
Negotiating Settlements | |
Finding Cash | |
Options to Avoid | |
Dealing with Judgments and Liens | |
Closing Your Accounts | |
Getting Help | p. 127 |
Where to Turn | |
Agencies that Can Assist You | |
Other Credit Repair Agencies | |
Government Agencies | |
When to Get a Lawyer | |
Bankruptcy | |
Coping with Marriage, Divorce, and Debt | p. 145 |
Your Credit Rights during Marriage | |
Divorce is not a Debt Solution | |
Death of a Spouse | |
Recognizing Identity Theft | p. 155 |
Preventing Identity Theft | |
Dealing with Identity Theft | |
Looking at the Identity Theft Risk Realistically | |
Creating a Good Credit Record | p. 183 |
Understanding Credit Terms | |
Obtaining New Credit | |
Improving Current Credit | |
How to Use Your New Credit Cards | |
Choosing a Card | |
Cash Advances | |
Tracking Your Cards | |
Obtaining Loans | |
Bank Accounts | |
Name and Address Changes | |
Negotiation with Past Creditors | |
Scams to Avoid | |
Reducing Unsolicited Offers for Credit | |
Budgeting | p. 203 |
Why You Should Have a Budget | |
Creating a Budget | |
Making Changes to Your Budget | |
Getting Organized | |
Paying Your Bills | |
Following Your Budget | |
Living on a Budget and Using Credit | |
Facing the Future | p. 213 |
Changing Your Outlook and Mind-Set about Money | |
Dealing with Changes | |
Dealing with Self-Esteem and Compulsion Issues | |
Educating Children about Debt | |
Moving Forward | |
Glossary | p. 219 |
State-by-State Resources | p. 227 |
State-by-State Criminal Law Statutes Regarding Identity Theft | p. 251 |
Forms and Letters | p. 343 |
Index | p. 417 |
About the Author | p. 423 |
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Excerpted from The Complete Credit Repair Kit by Brette McWhorter Sember
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