Living Well with Bad Credit: Buy a House, Start a Business, and Even Take a VacationNo Matter How Low Your Credit Score
- ISBN13: 9780757313585
- Condition: NEW
- Notes: Brand New from Publisher. No Remainder Mark.
If bad credit has happened to you, there is something you can do about it Feeling broke and battered? We know the feeling—heck, everyone knows it. According to the Wall Street Journal, 110 million Americans have bad credit—almost 50% of the adult population. But we don’t have to be depressed or discouraged about it. There is life after bad credit. In fact, there’s even life during bad credit.
Living Well with Bad Credit is the right help at the right time. If you’re bravely soldiering on despite your finances going south, this informative book is for you. It puts the emphasis on living with bad credit—and living well. Veteran journalist Geoff Williams (AOL’ s personal finance blog WalletPop, CNNMoney.com, Bankrate.com) and med
Rating: 
(out of 8 reviews)
List Price: $ 12.95
Price: $ 6.95
How to Change Your Identity & Erase Bad Credit
How to Change Your Identity & Erase Bad Credit is an “instruction” manual written by James J. Doolin and based on personal experience. This book contains information on counterfeiting birth certificates and other documents so that one may apply for legitimate I.D. The credit section of the book gives instructions on how to prepare a “release letter” from a collection agency to send to the credit bureaus showing that you’ve paid for a delinquent account or charge-off without really paying for the account. Sample letters included inside the book. It takes about 30 days for the credit bureau to update your report once the information is received. The final part of the book explains how to profit on the exchange of Canadian
Rating: 
(out of 4 reviews)
List Price: $ 25.00
Price: $ 44.95
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 | US $33.24 End Date: Wednesday Feb-08-2012 12:13:23 PST Buy It Now for only: US $33.24 Buy it now | Add to watch list |
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Tags: Business, Credit, Even, House, Living, Matter, Score, Start, Take, VacationNo, Well
9 Responses to “Living Well with Bad Credit: Buy a House, Start a Business, and Even Take a VacationNo Matter How Low Your Credit Score”
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May 13th, 2010 at 10:30 pm
Review for Living Well with Bad Credit: Buy a House, Start a Business, and Even Take a VacationNo Matter How Low Your Credit Score
Rating:
Chris Balish and Geoff Williams have come up with a sympathetic, clear, and helpful guide to navigating everyday and large financial decisions. The book is geared towards people with low credit scores, but it also offers information helpful to all of us. The main causes of the disruption/destruction of solid credit history are “divorce, disaster, a serious medical condition, or getting laid off from a job.”
We know that the cost of bad credit is expensive, so Living Well With Bad Credit is especially helpful with its solid suggestions of ways to both save money and to be able to get hired, find decent housing, rent a car, start a business, go on a vacation (not a posh one!), and repair credit history.
The book is divided into these ten parts:
* Welcome to the Land of Bad Credit
* Banking with Bad Credit
* Getting a Good Job with Bad Credit
* Good Housing with Bad Credit
* Driving: Bad Credit in the Passenger Seat
* Starting a Business with Bad Credit
* Living with Bad Credit
* Avoiding Bad Credit Scams
* Bad Credit: Psychology 101
Each of the chapters are straightforward and helpful. Balish and Williams flag what to look out for in each of the categories and offer specific ways to manage with a low credit score.
In Banking with Bad Credit, the book briefly explains ChexSystems which computes and tracks everyone’s credit scores. Since 80% of banks in the country subscribe to ChexSystem and a low credit score or disastrous credit history can make it difficult to open a checking account with a major bank, Balish and Williams suggest looking into the bank’s Second Chance program which may be a way to open a bank account again. Balish and Williams describe the “unbanked” and the costs that are incurred through payday lenders, pawnshops, and check-cashing outlets. Balish and Williams also evaluate the advantages and disadvantages of using Probity Financial Services, [...], and credit unions for their financial services.
In Housing with Bad Credit, Balish and Williams offer ways to find decent housing through unusual housing arrangements, selecting the landlords that might be more open to a tenant with bad credit, and different ways that someone with bad credit can negotiate a lease with a landlord. Balish and Williams also cover different ways to obtain a mortgage or purchase a home from finding lenders and credit unions that are sympathetic to lenders with a bad credit history to seller financing to “rent-to-own”, lease-purchase and lease-option ways to acquire a home.
Beyond the specific tips offered in the book, Balish and Williams share their own experiences to good effect. Williams explains how he found himself having to declare bankruptcy. As Williams describes the steps that he took as he drew deeper into debt, the mistakes that he made, and what he went through and how he started over, Living Well with Bad Credit becomes more than the usual personal finance book.
ISBN-10: c – Paperback $12.95
Publisher: Publisher: HCI (January 4, 2010), 192 pages.
Review copy provided by the publisher and TLC Book Tours.
May 13th, 2010 at 10:45 pm
Review for Living Well with Bad Credit: Buy a House, Start a Business, and Even Take a VacationNo Matter How Low Your Credit Score
Rating:
The biggest problem with nearly all of the books about credit that are on the market is this: They’re all about how to improve your credit, as though that’s somehow the key to financial success.
Guess what?
It isn’t. Good credit is what gets people into debt trouble in the first place. The only good thing you can do with a high credit score is buy a house. Everything else — consumer goods, new cars, private student loans, boats, luxury vacations, etc. — is bad.
What Geoff Williams and Chris Balish show in this book that is actually quite groundbreaking is this: YOU DON’T NEED GOOD CREDIT TO HAVE A GOOD FINANCIAL LIFE! I would rather be rich than have good credit and, contrary to popular belief, the two are not really that related. Most people use a high credit score to destroy their financial lives, not improve them.
Major props to Chris Balish and Geoff Williams for putting together a book whose time has come.
Wake up, America! Your credit score is not some token of your moral value! Get over your credit score and live your life — and this is just the book you need to get started.
5 STARS.
Zac Bissonnette
AOL Money & Finance
May 13th, 2010 at 11:15 pm
Review for Living Well with Bad Credit: Buy a House, Start a Business, and Even Take a VacationNo Matter How Low Your Credit Score
Rating:
I bought this book thinking I wanted to buy a house. This book really puts viewing your financial “life” as your life into perspective. I definitely have done many of the tips in this book (by default of having no other choice). They give great advice how to get around credit checks and how to handle having bad credit in different situations. Its written thoughtfully and with wit and humor. I would definitely recommend this book.
May 13th, 2010 at 11:46 pm
Review for Living Well with Bad Credit: Buy a House, Start a Business, and Even Take a VacationNo Matter How Low Your Credit Score
Rating:
I really enjoyed this book. There were alot of things I did not know that I learned through this book. I’ve not really had a credit problem before until the market turned and I lost my job. It helped me to make a few decisions that were needed.
May 14th, 2010 at 12:08 am
Review for Living Well with Bad Credit: Buy a House, Start a Business, and Even Take a VacationNo Matter How Low Your Credit Score
Rating:
A low credit rating isn’t the end of the world. “Living Well with bad Credit: Buy a House, Start a Business, and Even Take a Vacation No Matter How Low Your Credit Score” is a guide to overcoming the dilemma of a poor credit score. With plenty of tips and tricks for conquering one’s poor credit and still getting what you want and need done in spite of it, “Living Well with Bad Credit” is a strong pick for readers who have bad credit but still want to live life.
May 14th, 2010 at 12:38 am
Review for How to Change Your Identity & Erase Bad Credit
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Written and self-published by James Doolin, a three-time federal ex-con who was imprisoned for providing new identities to more than 1,100 illegal immigrants over 3 years, this is the book that not a single publisher would touch!Section One details the many different ways to exploit the United States Identity System, and how to create false birth certificates, which are the foundation (and also the weakest layer) of the system. Sample documents, methods, instructions and practical advice is abundant throughout the publication, with Mr. Doolin drawing on his numerous experiences as he tells it all.Section Two provides all the information you need to strike negative information from your credit record, including charge-offs, leases, loans, mortgages and just about anything else you can get stuck with on your credit record. Using the tried and true methods described in excruciating detail, and a little bit of effort, you can have an A-1 credit record within just a few months.Co-authored by Denise Scott (an alias), an employee of the major credit bureaus for over 10 years, the insider information available within is almost unbelievable. While the book is plain and bland in appearance, the information contained inside is more explosive than fireworks on the fourth of July. As both authors speak from experience, the information that only the insiders know spews forth in indispensable detail. We have seen alot of “Fake ID” and “Credit Repair” books in our day, but this one takes the cake!
May 14th, 2010 at 1:23 am
Review for How to Change Your Identity & Erase Bad Credit
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I’m James Doolin the author of the above titled book. After reading a couple of the reviews that were not complimentary I thought I should add a few comments. First, the info in the book is based on my own personal experiences. The directions and methods I write about are very explicit and pretty detailed. However, it doesn’t mean that everybody can do it. My book gives instructions on how to break the law or manipulate the system. Whenever you attempt to do this there are no guarantees. So just because one or two reviewers were unsuccessful doesn’t mean the info in the book is not good. I’ve been hussling and scamming for over 10 years. I’m pretty good at it, even though I have been twice convicted in federal court doesn’t mean I don’t know what I’m doing, on the contrary my convictions demonstrate that I do know what I was doing because if I wasn’t successful I wouldn’t have been convicted. You can read a medical book on how to perform an operation, doesn’t make you a doctor and able to successfully perform the operation. Everybody has different skill levels and abilities. I do attempt to make it as easy as possible for the reader to follow my instructions though. In addition, I put my phone number and email address inside my book for the reader to contact me if they have questions. My book is also available on my personal website and retails for $30. Just type the title of the book into Google or Yahoo and you should find it.
James J. Doolin, Dallas, Texas December 22, 2005
May 14th, 2010 at 1:37 am
Review for How to Change Your Identity & Erase Bad Credit
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Don’t buy this book especially since it is written by a convicted fellon, a looser. It does not deliver anything that it promises and the co-author Denise Scott (an alies)she does not know what she is talking about. I tried on of her plans and it was just bull shit. Convicts don’t make good authors, and you should not take there advice since they were caught! The book is a waste of money
May 14th, 2010 at 1:41 am
Review for How to Change Your Identity & Erase Bad Credit
Rating:
It will show them how to keep an eye out for these types of cons so that they will not fall for them.