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Understanding your credit score
Your credit score is made up of five different factors:
- 35% Payment History - Are you paying your bills on time?
- 30% Credit Utilization - How much of your available credit are you using?
- 15% Length of Credit History - How long have you had your credit accounts?
- 10% Mix of Credit Types - Having multiple types of credit (e.g. credit card, mortgage, loan).
- 10% Application Frequency - Whether there are new credit applications or inquires on the account.
Dumping debt [videorecording] : breaking the chains of debt. by Dave Ramsey
Call Number: DVD HG179.R36 D86 2008
Dave Ramsey shows you the credit lies by debunking 15 of the most common debt myths. From car loans to mortgages to borrowing money from a friend, Dave explains how debt works and how it robs you of your financial peace. Then, he lays out a plan for walking out of debt with confidence so you can dump your debt once and for all.
The Spender's Guide to Debt-Free Living by Anna Newell Jones
Call Number: HG179 .J572 2016
The Spender's Guide To Debt-Free Living takes readers through a detailed step-by-step plan on how to do a Spending Fast and get out of debt, including: Creating a personalized Debt-Free Life Pledge. Understanding where your money is going when you're in debt, and where it will come from to pay it off. Learning why putting money into a savings account before (or while) paying off debt may not be the best idea for you. Finding additional income sources and generating side gigs. Re-integrating spending into your life once you're out of debt, so that you stay out of debt.
The Debt-Free Spending Plan by JoAnneh Nagler
Call Number: HG179 .N33 2013
It can seem impossible to find a way out of debt--and the more complicated the proposed solution, the harder it is to stick with it. That's why The Debt-Free Spending Plan is SIMPLE. Life coach JoAnneh Nagler gives you the help you need right now to live your life and get out of debt fast. The plan is clear, easy, and doesn't require you to sift through chapters of high-minded financial advice or dig up your past spending history. It doesn't matter if you make $14,000 or $14 million--thanks to straightforward daily spending strategies and effortless expense tracking tools, you'll learn how to downsize expenses without feeling deprived, allocate money as it comes in, put together an easy-to-manage bill-paying plan, adjust for inevitable overspending, pay off debt without gouging expenses, and (believe it or not) start saving. In just five minutes a day, you'll find yourself on the road to financial freedom before the next billing cycle.
Credit Repair Kit for Dummies by Melyssa Barrett; Stephen R. Bucci; Rod Griffin
Call Number: HG3756.U54 B83 2021
Need a credit makeover? You're definitely not alone: Millions of Americans are struggling with one or more credit-related issues. But don't despair! Credit Repair Kit For Dummies is packed full of simple, proven methods for escaping the quicksand and taking the concrete steps needed to build up a solid score.
Your Score by Anthony Davenport
Call Number: HG3756.U54 D38 2018
The most comprehensive insider's look at what every consumer needs to know about their credit score--and most importantly, how to fix it. If you, like so many millions of Americans, are terrified by the daily headlines regarding Equifax and identity theft, and how all of this can directly affect your basic credit score, then this book should be considered as mandatory reading. Like it or not, a healthy credit score is essential if you want to participate in today's financial world. But very few people actually understand how their credit score is determined. Worse yet, most don't know how their score is used by all kinds of companies and banks to dictate financial terms that will strongly affect their daily lives. When consumers interact with the world of credit, they do so from a position of weakness. In Your Score, Anthony Davenport aims to change that. Finally, here is a road map for navigating the confusing world of consumer credit. Drawing on the real stories of his own firm's high-profile clients, as well as the stories of middle-class Americans, he reveals the hidden credit pitfalls that await even the most careful consumer and shares smart strategies to avoid them. An accessible but detailed manual, Your Score finally lets readers take control of their credit score, understand how to play the game, and gain an insider's knowledge of how to better navigate the most important financial decisions of their lives.
Solve Your Money Troubles by Amy Loftsgordon; Cara O'Neill
Call Number: KF1501 .L46 2019
Solve Your Money Troubles gives you the tools you need to get your finances back on track. Learn how to: stop debt collector harassment cold negotiate down your debt with creditors reduce your student loan payments, and create a healthy financial plan that you can live with. But that's not all. Solve Your Money Troubles helps you handle the big issues, too. Find out how to: stop a wage garnishment from leaving you penniless get your car back after a repossession prevent a foreclosure by applying for a workout program respond to an action if you get sued, and decide if it's time to wipe the slate clean by filing for bankruptcy. Most importantly, you can count on getting the support you need. In addition to up-to-date legal information, you'll find practical tools, such as sample creditor letters and budgeting worksheets. And, if the law changes, you won't be left out of the loop. You'll have online access to all of the latest debt, credit, and bankruptcy developments.
Good Debt, Bad Debt by Jon Hanson
Call Number: HG179 .H265 2005
Debt is like cholesterol, says author and lecturer Jon Hanson: Some kinds are good and some are bad. Too much bad debt can wreck your financial health, but so can too little good debt. The problem is that many people never learn the difference. Hanson himself barely survived a “near debt experience” a few years ago. In Good Debt, Bad Debt, Hanson explains how good debt can help readers achieve their dreams, such as buying a house, a car, or a college education. But he’s also tough about diagnosing the symptoms of bad debt. If you’ve ever gotten into trouble with your credit cards, or leased a car that’s way more expensive than you can really afford, or bought a house with only 5 percent down, it’s time for a reality check. Hanson has been researching this topic relentlessly since pulling himself out of the hole he dug with bad debt. His book blends personal stories, humor, and even twenty original cartoons, making it more fun to read than the typical personal finance tome. It covers topics like income/wealth confusion, emotional spending, and marriage issues as well as nuts-and-bolts chapters on car buying, home buying, retirement, and more.