Build and Protect Your Credit Like the Pros

Build and Protect Your Credit Like the Pros

Author: Carolyn Warren

Publisher: Independently Published

Published: 2018-11-20

Total Pages: 158

ISBN-13: 9781790118953

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Build your credit profile in the best way so that you avoid mistakes and gain respect. Easy to read, down to earth. By the time you finish, you will know more about how the credit system works than 98 percent of the U.S. population. You will be in control of your own credit score. With top tier credit, you save tens of thousands of dollars on everything from auto insurance premiums to mortgage interest rates.Guidance from one of America's top and most beloved credit and mortgage experts, the author of Repair Your Credit Like the Pros. Carolyn Warren has been called a blessing, a godsend, and the Mother Theresa of mortgage loans. Bob Brinker of "Money Talk" radio rated her work "a 12 out of 10." Perfect for young adults opening their first credit cards, immigrants to the U.S., or anyone who wants to become an expert in how the credit scoring system works and take total charge of their own finances.


Book Synopsis Build and Protect Your Credit Like the Pros by : Carolyn Warren

Download or read book Build and Protect Your Credit Like the Pros written by Carolyn Warren and published by Independently Published. This book was released on 2018-11-20 with total page 158 pages. Available in PDF, EPUB and Kindle. Book excerpt: Build your credit profile in the best way so that you avoid mistakes and gain respect. Easy to read, down to earth. By the time you finish, you will know more about how the credit system works than 98 percent of the U.S. population. You will be in control of your own credit score. With top tier credit, you save tens of thousands of dollars on everything from auto insurance premiums to mortgage interest rates.Guidance from one of America's top and most beloved credit and mortgage experts, the author of Repair Your Credit Like the Pros. Carolyn Warren has been called a blessing, a godsend, and the Mother Theresa of mortgage loans. Bob Brinker of "Money Talk" radio rated her work "a 12 out of 10." Perfect for young adults opening their first credit cards, immigrants to the U.S., or anyone who wants to become an expert in how the credit scoring system works and take total charge of their own finances.


Repair Your Credit Like the Pros

Repair Your Credit Like the Pros

Author: Carolyn Warren

Publisher:

Published: 2016-02-15

Total Pages: 160

ISBN-13: 9780692637500

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Book Synopsis Repair Your Credit Like the Pros by : Carolyn Warren

Download or read book Repair Your Credit Like the Pros written by Carolyn Warren and published by . This book was released on 2016-02-15 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt:


Homebuyers Beware

Homebuyers Beware

Author: Carolyn Warren

Publisher: FT Press

Published: 2009-08-31

Total Pages: 290

ISBN-13: 0137049056

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Everything you thought you knew about financing a house has changed. Your future depends on knowing today’s mortgage and credit realities: Relying on older information could cost you a fortune or keep you from buying a house altogether. In Homebuyers Beware: Who’s Ripping You Off Now? – What You Must Know About the New Rules of Mortgage and Credit, Carolyn Warren reveals the new realities of home financing and shows exactly how to take advantage of them, whether you’re buying your first home, refinancing, struggling with imperfect credit, or planning to invest in real estate. Homebuyers Beware reveals new secrets homebuyers simply can’t afford to miss and exposes new scams that target today’s eager consumers--including new loans that look great on paper but are every bit as dangerous as yesterday’s subprimes. Unlike other mortgage guides, this book fully reflects today’s radically new mortgage requirements, in addition to the latest federal housing legislation and how to improve your credit rating. Warren covers topics from real estate negotiation, to powerful tips on getting lower interest rates, to avoiding bogus junk fees, and everything in between: · High-tech “smoke and mirrors” that can trick you into overpaying · Quick, easy, powerful ways to fix your credit · Uncovering the costly secrets of the Yield Spread Premium · The latest laws and credit rules and what they mean to you · New plans for recovering from bad credit, foreclosures, or short sales “Carolyn Warren is my go-to expert for mortgage industry information. She not only helps you avoid rip-offs, she helps you know what questions to ask and how to ask them. Full of tips, scripts, and sample letters, Homebuyers Beware is an extremely valuable book that I recommend to all my readers!” --Alison Rogers, “Ask the Agent” columnist, CBS Moneywatch.com “In this fun-to-read volume, mortgage industry insider Carolyn Warren tells you what real estate cheats and mortgage scammers do NOT want you to know: the tricks, the deceptions, and the outright frauds that would otherwise add thousands, maybe tens of thousands of dollars to your mortgage. Get it. Read it. And take it to the mortgage broker with you. You’ll be glad you did!” --Clayton Makepeace, The Total Package, Makepeacetotalpackage.com “In Homebuyers Beware, Carolyn Warren directs her keen eye at the mortgage and credit markets in the wake of the housing bubble. With an insider’s knowledge, plenty of interesting anecdotes, and helpful reference information, Warren is a cheerful teacher leading readers down the path to homeownership and pointing out pitfalls along the way.” --Ben Meyer, InternetBrands.com


Book Synopsis Homebuyers Beware by : Carolyn Warren

Download or read book Homebuyers Beware written by Carolyn Warren and published by FT Press. This book was released on 2009-08-31 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: Everything you thought you knew about financing a house has changed. Your future depends on knowing today’s mortgage and credit realities: Relying on older information could cost you a fortune or keep you from buying a house altogether. In Homebuyers Beware: Who’s Ripping You Off Now? – What You Must Know About the New Rules of Mortgage and Credit, Carolyn Warren reveals the new realities of home financing and shows exactly how to take advantage of them, whether you’re buying your first home, refinancing, struggling with imperfect credit, or planning to invest in real estate. Homebuyers Beware reveals new secrets homebuyers simply can’t afford to miss and exposes new scams that target today’s eager consumers--including new loans that look great on paper but are every bit as dangerous as yesterday’s subprimes. Unlike other mortgage guides, this book fully reflects today’s radically new mortgage requirements, in addition to the latest federal housing legislation and how to improve your credit rating. Warren covers topics from real estate negotiation, to powerful tips on getting lower interest rates, to avoiding bogus junk fees, and everything in between: · High-tech “smoke and mirrors” that can trick you into overpaying · Quick, easy, powerful ways to fix your credit · Uncovering the costly secrets of the Yield Spread Premium · The latest laws and credit rules and what they mean to you · New plans for recovering from bad credit, foreclosures, or short sales “Carolyn Warren is my go-to expert for mortgage industry information. She not only helps you avoid rip-offs, she helps you know what questions to ask and how to ask them. Full of tips, scripts, and sample letters, Homebuyers Beware is an extremely valuable book that I recommend to all my readers!” --Alison Rogers, “Ask the Agent” columnist, CBS Moneywatch.com “In this fun-to-read volume, mortgage industry insider Carolyn Warren tells you what real estate cheats and mortgage scammers do NOT want you to know: the tricks, the deceptions, and the outright frauds that would otherwise add thousands, maybe tens of thousands of dollars to your mortgage. Get it. Read it. And take it to the mortgage broker with you. You’ll be glad you did!” --Clayton Makepeace, The Total Package, Makepeacetotalpackage.com “In Homebuyers Beware, Carolyn Warren directs her keen eye at the mortgage and credit markets in the wake of the housing bubble. With an insider’s knowledge, plenty of interesting anecdotes, and helpful reference information, Warren is a cheerful teacher leading readers down the path to homeownership and pointing out pitfalls along the way.” --Ben Meyer, InternetBrands.com


Mortgage Rip-offs and Money Savers

Mortgage Rip-offs and Money Savers

Author: Carolyn Warren

Publisher: Wiley + ORM

Published: 2011-03-23

Total Pages: 286

ISBN-13: 1118039106

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“Identifie[s] all the major dangers amateur real estate investors need to be aware of . . . many useful tips for getting the right price and the best financing.” —Michael Masterson, New York Times–bestselling author of Automatic Wealth Mortgage Rip-offs and Money Savers reveals how the mortgage industry cheats borrowers out of billions in extra costs every year. Industry insider Carolyn Warren taps her decade of experience with lenders to expose the tricks, lies, and dirty little secrets they don’t want you to know. With her expert guidance, borrowers will save tens of thousands when they avoid the traps so many consumers fall into. Having this inside information is the only way borrowers can truly get the best possible deal. This book presents that knowledge in an interesting and easy format that anyone can understand. Readers can void being victims of the mortgage industry with this invaluable resource. Instead, they’ll get the best possible rates, avoid bogus fees, and get the great deal they deserve.


Book Synopsis Mortgage Rip-offs and Money Savers by : Carolyn Warren

Download or read book Mortgage Rip-offs and Money Savers written by Carolyn Warren and published by Wiley + ORM. This book was released on 2011-03-23 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt: “Identifie[s] all the major dangers amateur real estate investors need to be aware of . . . many useful tips for getting the right price and the best financing.” —Michael Masterson, New York Times–bestselling author of Automatic Wealth Mortgage Rip-offs and Money Savers reveals how the mortgage industry cheats borrowers out of billions in extra costs every year. Industry insider Carolyn Warren taps her decade of experience with lenders to expose the tricks, lies, and dirty little secrets they don’t want you to know. With her expert guidance, borrowers will save tens of thousands when they avoid the traps so many consumers fall into. Having this inside information is the only way borrowers can truly get the best possible deal. This book presents that knowledge in an interesting and easy format that anyone can understand. Readers can void being victims of the mortgage industry with this invaluable resource. Instead, they’ll get the best possible rates, avoid bogus fees, and get the great deal they deserve.


Credit Repair Kit For Dummies

Credit Repair Kit For Dummies

Author: Steve Bucci

Publisher: John Wiley & Sons

Published: 2008-07-28

Total Pages: 394

ISBN-13: 0470276738

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Now, you can finally end the cycle of bad credit and get back on your feet by following the step-by-step advice and tools in Credit Repair Kit For Dummies, 2nd Edition. You’ll find out everything you need to know about creating a solid plan to get your credit back on track. You’ll discover how to find your credit report, review all of the information in it, and learn how you can repair and spruce it up. You’ll learn how to communicate with creditors and how to budget so that you can pay your bills in full and on time. You’ll learn how to apply these credit strategies to all life situations, from building credit with your life partner to financially surviving a divorce, unemployment, and student loans. You will find out how to safe-guard your identity so that other people don’t damage your credit. Find out how to: Take charge of your credit Get help from credit counselors Request copies of your credit report Know how to interpret your credit report and credit score Avoid foreclosure Communicate with collectors, lawyers, and the courts Manage medical debt Safe-guard your identity Complete with lists of ten tips to avoid identity theft and reduce damages, ten ways you can prevent foreclosure, ten methods for establishing and improving credit, and ten strategies for handling financial emergencies, Credit Repair Kit For Dummies, 2nd Edition is your one-stop guide to improving and maintaining your credit score and protecting your identity. Note: CD-ROM/DVD and other supplementary materials are not included as part of eBook file.


Book Synopsis Credit Repair Kit For Dummies by : Steve Bucci

Download or read book Credit Repair Kit For Dummies written by Steve Bucci and published by John Wiley & Sons. This book was released on 2008-07-28 with total page 394 pages. Available in PDF, EPUB and Kindle. Book excerpt: Now, you can finally end the cycle of bad credit and get back on your feet by following the step-by-step advice and tools in Credit Repair Kit For Dummies, 2nd Edition. You’ll find out everything you need to know about creating a solid plan to get your credit back on track. You’ll discover how to find your credit report, review all of the information in it, and learn how you can repair and spruce it up. You’ll learn how to communicate with creditors and how to budget so that you can pay your bills in full and on time. You’ll learn how to apply these credit strategies to all life situations, from building credit with your life partner to financially surviving a divorce, unemployment, and student loans. You will find out how to safe-guard your identity so that other people don’t damage your credit. Find out how to: Take charge of your credit Get help from credit counselors Request copies of your credit report Know how to interpret your credit report and credit score Avoid foreclosure Communicate with collectors, lawyers, and the courts Manage medical debt Safe-guard your identity Complete with lists of ten tips to avoid identity theft and reduce damages, ten ways you can prevent foreclosure, ten methods for establishing and improving credit, and ten strategies for handling financial emergencies, Credit Repair Kit For Dummies, 2nd Edition is your one-stop guide to improving and maintaining your credit score and protecting your identity. Note: CD-ROM/DVD and other supplementary materials are not included as part of eBook file.


Repair Your Credit Like the Pros

Repair Your Credit Like the Pros

Author: Marlin Jonathan

Publisher: Independently Published

Published: 2021-05-24

Total Pages: 70

ISBN-13:

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Fix your Credit Line and Revolve Credit Debts Using Easy and Legal Exercises with this book! Are you one of those individuals who wish to be financially stable and have a decent line of credit? Perhaps you like to take a loan, but your current credit report sucks, and you are not certain how you can fix it? If yes, then this book might be exactly what you were looking for! There's no need for you to worry anymore because this book got you covered! In this Credit Repair Book, you will discover: - The 9 Biggest Benefits of a Good Credit Score - The Secrets to Calculating Your Credit Score - 13 Credit Score Myths Explained - The Right Way to Check Your Credit Report - How to Build Your Credit Score if You're Starting With None - 12 Things that Might be Lowering Your Credit Score - The Best Ways to Maximize Your Credit Score - How to Find a Reputable Credit Counselor (That Won't Hurt Your Credit Score) There's no need to worry anymore, even if you are feeling a bit hopeless about your credit report. You see, everything is fixable. This book will provide you everything you need to know. Ready to get started? Click BUY NOW!


Book Synopsis Repair Your Credit Like the Pros by : Marlin Jonathan

Download or read book Repair Your Credit Like the Pros written by Marlin Jonathan and published by Independently Published. This book was released on 2021-05-24 with total page 70 pages. Available in PDF, EPUB and Kindle. Book excerpt: Fix your Credit Line and Revolve Credit Debts Using Easy and Legal Exercises with this book! Are you one of those individuals who wish to be financially stable and have a decent line of credit? Perhaps you like to take a loan, but your current credit report sucks, and you are not certain how you can fix it? If yes, then this book might be exactly what you were looking for! There's no need for you to worry anymore because this book got you covered! In this Credit Repair Book, you will discover: - The 9 Biggest Benefits of a Good Credit Score - The Secrets to Calculating Your Credit Score - 13 Credit Score Myths Explained - The Right Way to Check Your Credit Report - How to Build Your Credit Score if You're Starting With None - 12 Things that Might be Lowering Your Credit Score - The Best Ways to Maximize Your Credit Score - How to Find a Reputable Credit Counselor (That Won't Hurt Your Credit Score) There's no need to worry anymore, even if you are feeling a bit hopeless about your credit report. You see, everything is fixable. This book will provide you everything you need to know. Ready to get started? Click BUY NOW!


Credit Repair

Credit Repair

Author: John Score

Publisher:

Published: 2019-08-27

Total Pages: 119

ISBN-13: 9781688902602

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Are you TIRED of the RAT RACE? Do you wish you had MORE TIME and MORE MONEY? Would you like to know how it feels to live with stellar credit? If you answered "YES!", then you need to look no further. Have you ever thought to yourself: How can I quickly Achieve a 700+ Credit Score? How can I make enough money to pay off my credit card debts easily?? When will it be MY TURN to live the GOOD LIFE??? Imagine how your life would become if you knew what it takes to achieve any level of financial success that you have ever dreamed possible. For instance, can you imagine that... All the money stress in your life suddenly vanishes? You get to mastering the credit system and send your credit score soaring skyward? You can Take any Loans whenever you want, and for the interest rate you always wanted? You are living in the house of your dreams, driving the car of your dreams, you have learned to master your financial freedom, and your credit score now is where it deserves to be. You can afford to give your children the perfect, healthy, fun and fulfilling childhood that you always wanted to give them? In this no-nonsense, no-holds-barred guide, I show you all the benefits of having a high credit score and how anyone, even those with no experience, can quickly achieve it. What are you waiting for? Scroll Up and get your copy now.


Book Synopsis Credit Repair by : John Score

Download or read book Credit Repair written by John Score and published by . This book was released on 2019-08-27 with total page 119 pages. Available in PDF, EPUB and Kindle. Book excerpt: Are you TIRED of the RAT RACE? Do you wish you had MORE TIME and MORE MONEY? Would you like to know how it feels to live with stellar credit? If you answered "YES!", then you need to look no further. Have you ever thought to yourself: How can I quickly Achieve a 700+ Credit Score? How can I make enough money to pay off my credit card debts easily?? When will it be MY TURN to live the GOOD LIFE??? Imagine how your life would become if you knew what it takes to achieve any level of financial success that you have ever dreamed possible. For instance, can you imagine that... All the money stress in your life suddenly vanishes? You get to mastering the credit system and send your credit score soaring skyward? You can Take any Loans whenever you want, and for the interest rate you always wanted? You are living in the house of your dreams, driving the car of your dreams, you have learned to master your financial freedom, and your credit score now is where it deserves to be. You can afford to give your children the perfect, healthy, fun and fulfilling childhood that you always wanted to give them? In this no-nonsense, no-holds-barred guide, I show you all the benefits of having a high credit score and how anyone, even those with no experience, can quickly achieve it. What are you waiting for? Scroll Up and get your copy now.


Turning Pro

Turning Pro

Author: Steven Pressfield

Publisher: Black Irish Entertainment LLC

Published: 2012-06-27

Total Pages: 148

ISBN-13: 1936891050

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The follow-up to his bestseller The War of Art, Turning Pro navigates the passage from the amateur life to a professional practice. "You don't need to take a course or buy a product. All you have to do is change your mind." --Steven Pressfield TURNING PRO IS FREE, BUT IT'S NOT EASY. When we turn pro, we give up a life that we may have become extremely comfortable with. We give up a self that we have come to identify with and to call our own. TURNING PRO IS FREE, BUT IT DEMANDS SACRIFICE. The passage from amateur to professional is often achieved via an interior odyssey whose trials are survived only at great cost, emotionally, psychologically and spiritually. We pass through a membrane when we turn pro. It's messy and it's scary. We tread in blood when we turn pro. WHAT WE GET WHEN WE TURN PRO. What we get when we turn pro is we find our power. We find our will and our voice and we find our self-respect. We become who we always were but had, until then, been afraid to embrace and live out.


Book Synopsis Turning Pro by : Steven Pressfield

Download or read book Turning Pro written by Steven Pressfield and published by Black Irish Entertainment LLC. This book was released on 2012-06-27 with total page 148 pages. Available in PDF, EPUB and Kindle. Book excerpt: The follow-up to his bestseller The War of Art, Turning Pro navigates the passage from the amateur life to a professional practice. "You don't need to take a course or buy a product. All you have to do is change your mind." --Steven Pressfield TURNING PRO IS FREE, BUT IT'S NOT EASY. When we turn pro, we give up a life that we may have become extremely comfortable with. We give up a self that we have come to identify with and to call our own. TURNING PRO IS FREE, BUT IT DEMANDS SACRIFICE. The passage from amateur to professional is often achieved via an interior odyssey whose trials are survived only at great cost, emotionally, psychologically and spiritually. We pass through a membrane when we turn pro. It's messy and it's scary. We tread in blood when we turn pro. WHAT WE GET WHEN WE TURN PRO. What we get when we turn pro is we find our power. We find our will and our voice and we find our self-respect. We become who we always were but had, until then, been afraid to embrace and live out.


Building a Minecraft City

Building a Minecraft City

Author: Sarah Guthals

Publisher: John Wiley & Sons

Published: 2016-08-12

Total Pages: 124

ISBN-13: 111931643X

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The coolest kid-friendly Minecraft projects If you have a Minecraft fanatic on your hands, you're about to be the most popular adult on the "block." Offering young Minecraft enthusiasts the ultimate sandbox experience, Building a Minecraft City gives kids aged 7 – 11 an outlet to enhance their love of the game and take their creative play to new heights. Brought to you by the trusted For Dummies brand, this kid-focused book offers step-by-step instructions and simple explanations for completing projects that will teach your child invaluable new skills—all while having a ton of fun! They'll gain confidence as they design and build truly impressive Minecraft structures, and you'll delight in watching them develop and refine their problem-solving skills as they work on their own. It's a win-win! Features a kid-friendly design that is heavy on eye-popping graphics Focuses on three basic projects that set young readers on the road to further exploration Boasts a small, full-color, accessible package that instills confidence in the reader Introduces basic engineering concepts to kids in a way they can understand Screen time can be as educational as it is fun, and this book shows your child how to approach their favorite game from a new angle to think—and do—outside the box.


Book Synopsis Building a Minecraft City by : Sarah Guthals

Download or read book Building a Minecraft City written by Sarah Guthals and published by John Wiley & Sons. This book was released on 2016-08-12 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt: The coolest kid-friendly Minecraft projects If you have a Minecraft fanatic on your hands, you're about to be the most popular adult on the "block." Offering young Minecraft enthusiasts the ultimate sandbox experience, Building a Minecraft City gives kids aged 7 – 11 an outlet to enhance their love of the game and take their creative play to new heights. Brought to you by the trusted For Dummies brand, this kid-focused book offers step-by-step instructions and simple explanations for completing projects that will teach your child invaluable new skills—all while having a ton of fun! They'll gain confidence as they design and build truly impressive Minecraft structures, and you'll delight in watching them develop and refine their problem-solving skills as they work on their own. It's a win-win! Features a kid-friendly design that is heavy on eye-popping graphics Focuses on three basic projects that set young readers on the road to further exploration Boasts a small, full-color, accessible package that instills confidence in the reader Introduces basic engineering concepts to kids in a way they can understand Screen time can be as educational as it is fun, and this book shows your child how to approach their favorite game from a new angle to think—and do—outside the box.


Credit Management Kit For Dummies®

Credit Management Kit For Dummies®

Author: Stephen R. Bucci

Publisher: John Wiley & Sons

Published: 2011-08-26

Total Pages: 411

ISBN-13: 1118145593

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The painless way to manage credit in today's financial landscape People with great credit scores are getting turned down for credit cards and loans for homes and cars. What do they need besides a good score? What are lenders looking for now that they are extremely risk-averse? Repairing broken or damaged credit is one thing, but having to meet today's much stiffer credit standards requiring that consumers consistently manage their credit is another thing all together. Credit Management Kit For Dummies gives you answers to these questions and insight into these concerns, and also walks you down the correct path to credit application approval. You'll discover major changes with the Credit CARD (Credit Accountability, Responsibility, and Disclosure) Act provisions and the new Consumer Financial Protection Legislation Agency; the effect of tightened credit markets on those with good, marginal, or bad credit; new rules and programs including Hope and Government options via the Obama Administration; the best ways to recover from mortgage related credit score hits; tips for minimizing damage after walking away from a home; credit score examples with new ranges; and much more. The pros and cons of credit counselors The quickest and most effective way to undo damage from identity theft Advice and tips about adding information to a credit report, and beefing-up thin credit Guidance for evaluating your Credit Score in today's economy Fannie Mae's revised guidelines for purchasing mortgages Information on significant others (boyfriend/girlfriend/spouse) and credit and debt sharing IRS exceptions to the Mortgage Forgiveness Debt Relief Act in a mortgage meltdown situation Not just for those who have bad credit and need to repair it, Credit Management Kit For Dummies also serves as an invaluable resource for those with average credit who want, or need, to manage it to get a job, reduce insurance costs, qualify for banking products, and more.


Book Synopsis Credit Management Kit For Dummies® by : Stephen R. Bucci

Download or read book Credit Management Kit For Dummies® written by Stephen R. Bucci and published by John Wiley & Sons. This book was released on 2011-08-26 with total page 411 pages. Available in PDF, EPUB and Kindle. Book excerpt: The painless way to manage credit in today's financial landscape People with great credit scores are getting turned down for credit cards and loans for homes and cars. What do they need besides a good score? What are lenders looking for now that they are extremely risk-averse? Repairing broken or damaged credit is one thing, but having to meet today's much stiffer credit standards requiring that consumers consistently manage their credit is another thing all together. Credit Management Kit For Dummies gives you answers to these questions and insight into these concerns, and also walks you down the correct path to credit application approval. You'll discover major changes with the Credit CARD (Credit Accountability, Responsibility, and Disclosure) Act provisions and the new Consumer Financial Protection Legislation Agency; the effect of tightened credit markets on those with good, marginal, or bad credit; new rules and programs including Hope and Government options via the Obama Administration; the best ways to recover from mortgage related credit score hits; tips for minimizing damage after walking away from a home; credit score examples with new ranges; and much more. The pros and cons of credit counselors The quickest and most effective way to undo damage from identity theft Advice and tips about adding information to a credit report, and beefing-up thin credit Guidance for evaluating your Credit Score in today's economy Fannie Mae's revised guidelines for purchasing mortgages Information on significant others (boyfriend/girlfriend/spouse) and credit and debt sharing IRS exceptions to the Mortgage Forgiveness Debt Relief Act in a mortgage meltdown situation Not just for those who have bad credit and need to repair it, Credit Management Kit For Dummies also serves as an invaluable resource for those with average credit who want, or need, to manage it to get a job, reduce insurance costs, qualify for banking products, and more.