Lately, amid the ongoing credit crunch, even people with "good" credit histories and respectable credit scores are having a tough time. Banks have imposed new fees, raised interest rates, slashed credit lines and even closed accounts of customers with so-called "good" credit. Which is why, even if you have a fair-to-good credit rating, you need to learn how to achieve "perfect credit."
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Consider this: Do you plan on doing any one of these things in the next two months to two years?:
- buying a house or renting an apartment
- refinancing a mortgage or getting a home equity loan/line of credit
- purchasing a car
- getting a student loan
- applying for a new credit card/switching credit cards
- co-signing for a loan for someone else
- seeking a small business loan
- obtaining a new job - or seeking a promotion on your current job
If so, please realize that all of these goals have one thing have in common: They all require you to have great credit! So if you, or someone you know, have an immediate or near-term need for credit or a loan, you'll greatly improve your odds of getting a "Yes," and getting the best rates and terms, if you follow the advice outlined in
Perfect Credit. Perfect Credit is also a must-read for people that want to: - establish credit
- high school and college students
- recent divorcees
- widows
- elderly citizens
- immigrants
- minorities
- anyone who mainly uses cash
- fix problem credit
- individuals with late payments,
- charge-offs, judgments,
- foreclosures, repossessions
- bankruptcies
- past due bills
- improve their credit
- those with "average" credit
- consumers with "good" credit who want an A+ credit rating
- maintain outstanding credit
- anyone with superb credit who wants to hang on to that first-rate status
Perfect Credit is the definitive guide to getting and keeping outstanding credit. Think of this book as a roadmap for anyone hoping to establish picture-perfect credit, make improvements to have stellar credit, or simply maintain a fantastic credit standing. Â
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Right now, roughly 220 million Americans have credit files maintained by the "Big Three" credit bureaus: Equifax, Experian, and TransUnion. Of those individuals, about 40 million Americans (roughly 1 out of 5), have very poor credit, or "deep subprime scores," according to Experian. Â
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Another 50 million adults in the U.S. have no credit files - either because they've never used traditional forms of credit, or because their credit files are "too thin" to generate a credit score.
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Perfect Credit offers all these consumers an easy-to-follow blueprint on how to get superb credit - and how to sidestep numerous credit traps and pitfalls along the way.
