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 Why I wrote this Blog

I have several friends that I have helped with their credit.  One friend who was recently divorced and had no idea about how credit works had messed up her credit.  We worked on her credit and in a couple of months we had her credit score well over 750.  She was ecstatic. She said I should write a book.  She has now educated her kids and they are doing very well building their credit history also.


 Chapter 1: Introduction to Credit

  • Do you have a Credit Report or Score?
  • Credit Report vs Credit Score
  • What is a Credit Scoring Model?
  • Why is your Credit Score Important?
  • My First Credit Experience

Chapter 2: Building Good Credit

  • How to establish credit

  • What is a Secured Credit Card?

  • What is an Authorized User?

  • Take out a Small Loan

  • What is a Credit Builder Loan?

Chapter 3: Managing Credit

  • Two Rules for Borrowing Money

  • Credit Cards Paid In Full Every Month

  • The Credit Trap

  • Credit Disaster

  • New Credit Card Offers

Chapter 4: Credit Reports and Credit Bureaus

  • What is a Credit Report?

  • Credit Karma for your Free Credit Report

  • My Changing Credit Score

  • What is a Good Credit Score?

  • How Often do I Check My Credit Score?

Chapter 5: Credit Cards

  • Credit Card Churning

  • My Credit Card Experience???

Chapter 6: Loans and Mortgages

  • Home Mortgages

  • Mortgage Insurance

  • 125

  • 12

  • 12

Chapter 7: How to Pay Your Credit Card
  • 13
  • 12
Chapter 8: The Minimum Payment Trap
81
82
83

Chapter 9: Identity Theft and Fraud

  • How to protect yourself from identity theft and fraud

  • How does Someone Steal Your Identity?

  • What is identity theft and fraud?

  • What to do if you become a victim of identity theft or fraud

  • My 800 Plus Experience

Chapter 9: Conclusion

  • Recap of key points

  • Final advice on building and maintaining good credit.

 

Appendix 

Credit Card Points and Airline Miles???

Dealing with Customer Service


Life is Harder with Bad Credit


Credit Myths


Dealing with a Collection Agency

OOps I missed a payment

 
How to Mess up your Credit

      ****Simple Cure for Missed Payment
      ****Always Be Nice

     ****Next Removal Step


How are Credit Scores are Calculated

****Short term boost of your credit score

****xxWhat Factors can be used to figure your credit score?Age? Race? Sex, Income?

****How to Appear Older in your Credit History

****Where to get your Credit Report/Score for free

****xxFree Credit Score Websites




Managing Your Credit Cards

****xxManaging Your Credit Cards with Autopay

****xxHow does a Credit Card Float and Grace period work

****xxCredit cards when traveling around the US

****Credit Cards when Travelling Internationally


****xxHow Banks make money on credit cards


****What is a Debit Card Vs Credit Card

****Debit Card Horror Story

****ATM Money


****What If I Cannot Pay Off My Credit Card this Month?


****Credit Card Loan Examples 

****How to Murder your Credit Card Balance

****Credit Card Over Limit Fees


****Starting your credit

Discover

Self

Your Check book




Appendix

*****My Experience with Zero Interest Credit Card Loans


******quote

Having good credit is never the problem, using that good credit to buy rapidly depreciating assets will Break You—Rick



Tina’s story


4 Where to get your Credit Score for Free

How Credit Karma Works

How to choose a Bank or Credit Union


Sage’s Friend

Oops I missed a payment Now What?



Credit Card Fees
   Annual Fee

   Overlimit Fee

   Late Payment fee


Statement Date

How long do I have to pay my Credit Card Bill?



Collection Agency

How to pay a Collection



Appendix

Delayed Gratification

Teach your children to be Rich

Charly Monger Books

20 Urban Myths about Credit 

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