Win my review copy!!!
“The Complete Credit Repair Kit“ by Brette McWhorter Sember is your road map to taming your finances. Sember, a retired attorney and mediator, will guide you through the necessary steps to understand, repair, and rebuild your credit. (Details below on how to win my review copy!)
The 457-page book is filled with resources to help you get a handle on your debt, which has a major impact on your credit score. Sember writes:
You have probably seen ads for companies that promise to erase your bad credit or give you new good credit for a fee. Don’t bother! This book tells you every legal method available for repairing your credit on your own, with no fees.
Sember includes everything from letter samples to report a billing error, complain of unfair debt collection practices, and request a payment plan, plus more!
The book is written in plain English so you don’t have to worry about understanding financial jargon. I also like that Sember includes samples of the three credit reports and explains what it all means. She also teaches you how to prevent identity theft.
She also points out that many of us do things that make financial sense, but look bad on a credit report. For example, paying off the balance of your credit card each month. Future creditors will only see the high balance and not know you pay it off!
To win my review copy, let me know when you last checked your credit report. Can’t wait to read the book? Buy it on Amazon for $15.87 (orig. $19.99). Comment by Thursday, Feb. 2, 2012 at 11:59 p.m. EST to be eligible to win. The winner will be announced Friday!
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January 31st, 2012 at 10:15 am
I just printed out all three of my credit reports this past weekend, and do so annually. Today I’ll be going over them to check for accuracy.
January 31st, 2012 at 10:48 am
I printed it out almost a year ago :/
January 31st, 2012 at 10:57 am
My husband and I printed out our credit reports last month. We are planning on buying a house this year, and we want to make sure our credit is good before we apply for a mortgage.
January 31st, 2012 at 11:01 am
I checked mine 4 months ago when I was signing up for mint.
January 31st, 2012 at 11:06 am
I checked mine about 5 months ago. I usually check every 6 months or so.
January 31st, 2012 at 11:39 am
I checked mine a couple of months ago.
Thanks
January 31st, 2012 at 11:41 am
I’m sorry to say we last checked our credit score 2 months ago because we had to file chapter 7 bankrupcy I need this book as a start fresh help book. and to not make the same mistatkes again. hope to win
January 31st, 2012 at 1:17 pm
I printed out my credit reports last March, so I’ll do it again this march.
January 31st, 2012 at 3:03 pm
last checked at the end of the year. Always good to know what is happening around Christmas time.
January 31st, 2012 at 3:44 pm
I cannot remember when I last printed mine out. I know I should and need to but I keep thinking it will all be okay. I’m at a point where I know I need to get a handle on everything this book sounds like it would help.
January 31st, 2012 at 3:46 pm
I just checked my credit report earlier this month. I never used to check it regularly but decided that this would be a good thing to add to my list of financial resolutions this year.
January 31st, 2012 at 4:57 pm
It is monitored on a regular basis with a free service from AAA. I also get the full report with my score once every few months.
January 31st, 2012 at 5:01 pm
It has been three years since I checked it. Have not done so in the face of business failure. Will do so soon as I will need to do so when filing bankruptcy. This book would be a big help!
January 31st, 2012 at 6:49 pm
I hate to say it, but I don’t know the last time I checked my credit score. I need your book!
January 31st, 2012 at 7:40 pm
I last checked mine in September. I try to remember to check it about every six months. Better to be safe than sorry.
January 31st, 2012 at 8:01 pm
Checked my credit a year ago.
January 31st, 2012 at 9:19 pm
i haven’t checked mine in over a year.
January 31st, 2012 at 9:41 pm
I checked mine 2 months ago!
January 31st, 2012 at 11:14 pm
Last checked about 2 months ago. Bad info listed and I’m still trying to get it corrected!
January 31st, 2012 at 11:26 pm
I check my report in 2010 from the 3 agencies and need to do it again.
January 31st, 2012 at 11:26 pm
I believe it’s been over a year since I last checked my credit report, so I’m definitely overdue (especially when you consider that you can do that for free once a year now!)
February 1st, 2012 at 9:52 am
My husband and I are working on purchasing a house and checked our credit report few weeks ago. We still have work to do, this will help us with where to start!
February 1st, 2012 at 2:05 pm
In 2008, when I bought my car. I know I should check it more as a Finance student they tell you to check it annually.. Im a slacker..
February 2nd, 2012 at 10:12 am
I checked mine 4 months ago. I didn’t know that info about the store credit card
February 2nd, 2012 at 10:16 am
It has been 2 years, I forgot last year.
February 2nd, 2012 at 10:18 am
I check ny credit reports annually from all three services. I have found numerous mistakes on them over the years, so it makes sense to check them anually.
February 2nd, 2012 at 10:22 am
Mine is monitored so I get my credit score every 3 months and get alerts whenever anything changes or anyone checks it.
February 2nd, 2012 at 10:23 am
I checked ours two or three years ago.
I know – stupid, especially with the our financial situation.
February 2nd, 2012 at 10:44 am
i last checked my credit report last summer. it had been years ago when i had previously done so. your book report was great. i am glad you said it’s in “plain english”. i usually have trouble understanding stuff on this subject. thanks for the chance to win.
February 2nd, 2012 at 11:29 am
I haven’t ever checked mine… but i have only had a credit card for a couple of years. I’m only 23
i should probably still check it though…
February 2nd, 2012 at 12:01 pm
I have really messed up my credit along with my exhusbands help.
I could really usually use some guidance so I can get things back on track.
I am sure checking my credit report is a good start.
February 2nd, 2012 at 12:14 pm
Its been over a year, we are over due! Ours has gone down I’m sure during the last couple years, as time have been tough for my husbands business. This book would be great for us, thanks for the chance to win!
February 2nd, 2012 at 2:21 pm
long time fan… thank you for great info always… very good book review and i happen to be in the credit biz… :-]
February 2nd, 2012 at 2:42 pm
Honestly I don’t know when the last time was =/
February 2nd, 2012 at 3:51 pm
2 months ago
February 2nd, 2012 at 5:24 pm
Over a year ago, would do it again but want to make sure I’m using the free site.
Wondering if checking it has an effect on it though.
February 2nd, 2012 at 6:40 pm
I checked mine last october
February 3rd, 2012 at 8:05 am
[...] win “The Complete Credit Repair Kit” by Brette McWhorter Sember. The responses left on my book review varied tremendously. Before announcing the winner, I want to thank everyone who [...]
February 3rd, 2012 at 9:38 pm
I just checked mine in December but I am struggling to get my credit score higher. When I first started college I got a credit card and wasn’t responsible for it so now I am paying the consequences along with the fact that I had some ignored hospital bills…I need my score to increase!! I’m about to graduate undergrad…with a baby on the way!