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Title: Credit Scores & Credit Reports by Evan Hendricks ISBN: 0-9645486-1-5 Publisher: Privacy Times Pub. Date: 30 May, 2004 Format: Paperback Volumes: 1 List Price(USD): $19.95 |
Average Customer Rating: 5 (2 reviews)
Rating: 5
Summary: Practical, comprehensive, useful
Comment: I thought I had a pretty good idea what a credit score was, how it worked, and how to get mine. I was wrong. I had no idea how complicated the process was, how many different variables entered into it, and how easily I could do damage to myself.
I understood that I had a right to a free credit report. I had no idea how deeply the "free" option was buried, how much digging had to be done to find it, and how limited the information would be--all in an effort to drive me to the paid options. Thanks to this book, I now know, step by step, how to get the information I need, and know which options are free, which cost money, and when I need each one.
While I've been fortunate enough not to be hit with identity theft, I know people who've had to cope with it. I'm relieved that I now own a complete resource on how to deal with it. I know how to challenge errors in my credit report. I hope I won't ever need to use a lot of what this book provides me, but I'm sure glad I have a copy on my shelf.
I'm also glad to have read the reports on the insurance industry, the use of credit in discriminatory practices, opting out of having personal data shared, and other issues. Coming from the editor and publisher of PRIVACY TIMES, the information is timely, insightful, and important.
If you've got any serious credit history, privacy concerns, an intent to make a major purchase, or feel vulnerable to identity theft, you'll value having this book in your library.
Rating: 5
Summary: find out the scarey truth from an expert
Comment: Evan Hendricks is one of the world's leading experts on privacy. In his new book he delves into the frightening world of credit reports, showing how your financial history is misreported and used against you. If you've ever wondered why your credit isn't as good as it should be, or what is happening behind the scenes in the world of credit this book is a must read. Hendricks has been editing Privacy Times since the early 80s. He writes well and he really knows his stuff!
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