Credit Repair Kit For Dummies, 4th Edition Resource Center

This resource center is an addition to Credit Repair Kit For Dummies, 4th Edition with bonus material created to help you better understand the concepts and techniques from the book. You can navigate to your desired content by selecting individual downloads or links below.

Please note that the downloads are in various formats, so be sure you have a compatible application to view the files.

Ch 2 | Ch 3 | Ch 5 | Ch 6 | Ch 7 | Ch 8 | Ch 9 | Ch 12 | Ch 13 | Ch 14 | Ch 18 | Ch 19Ch 20Other Resources |More on Credit Repair

Part I: Credit Repair: Simple, Proven Steps to Ending Your Credit Problems

Chapter 2: Turning Your Credit Around

Servicemembers Civil Relief Act (SCRA) (PDF)

Chapter 3: Cleaning Up Your Credit Reports

Fair and Accurate Credit Transactions – FACT Act (PDF)

Dodd-Frank Wall Street Reform and Consumer Protection Act (PDF)

Request to Remove Error (DOC)

Add 100 Word Statement to Report (DOC)

Chapter 5: Coping with Debt Collection

Fair Debt Collection Practices Act (PDF)

Partial Payment Hardship Letter Current (DOC)

Chapter 6: Working with Collectors, Lawyers, and the Courts to Manage Debt Obligations

Household Monthly Budget Plan (DOC)

IRS Form 9465 Installment Agreement Request (PDF)

 

Part II: Reducing Credit Damage in Major Setbacks

Chapter 7: Reducing Credit Damage in a Mortgage Crisis

Mortgage Forgiveness Debt Relief Act of 2007 (PDF)

Summary of State Foreclosure Laws (PDF)

IRS Form 982 Avoid Taxes on Forgiven Debt (PDF)

Chapter 8: Starting Over Again with Bankruptcy

Bankruptcy Code Filing Procedures Chart (PDF)

Credit Bureaus Sample OptOut Letter (DOC)

Chapter 9: Repairing Credit Damage in the Wake of Identity Theft

Chart Your Course of Action (PDF)

 

Part III: Rebuilding Credit, No Matter Where or When You Begin

Chapter 12: Protecting Your Credit During Major Life Challenges

Partial Payment Hardship Letter Current (DOC)

 

Part IV: Big Brother Credit Is Watching You: Credit Reporting and Scoring

Chapter 13: Discovering How Credit Reporting Works

Equifax Sample Credit Report (PDF)

Experian Sample Credit Report (PDF)

TransUnion Sample Credit Report (JPG)

Chapter 14: Understanding Credit Reports and Scores

Request Credit File (DOC)

Equifax Sample Credit Report (PDF)

Experian Sample Credit Report (PDF)

Experian RentBureau Information (PDF)

TransUnion Sample Credit Report (JPG)

TransUnion Sample Three Bureau Credit Report (JPG)

 

Part IV: Big Brother Credit Is Watching You: Credit Reporting and Scoring

Chapter 18: Safeguarding Your Credit with a Spending Plan

Income Worksheet (DOC)

Expenses Worksheet (DOC)

Chapter 19: Knowing Your Rights to Protect Your Credit

Credit Card Accountability Responsibility and Disclosure Act (PDF)

Chapter 20: Protecting Your Identity

IRS ID Theft Affidavit Form 14039 (PDF)

Part VI: The Part of Tens

Other Useful Resources

Creditor Letters

Current Accounts

CredBilling Error (DOC)

Change Due Date (DOC)

Partial Payment Current (DOC)

Request for Creditor to Remove Error (DOC)

Unemployment Letter (DOC)

Delinquent Accounts

Confirmation Letter to Creditors (DOC)

Intend to File Bankruptcy (DOC)

Offer to Return Secured Item (DOC)

Request a Settlement (DOC)

Request No Future Contact from Collection Agency (DOC)

Request No Future Contact (DOC)

Request to Stop Harassment (DOC)

Request to Stop Work Calls (DOC)

 

Worksheets

Conversation Log (DOC)

Cutting Expenses (DOC)

Debt Repayment Tracking Worksheet (DOC)

Future Plans and Goals (XLS)

Money Gobblers (DOC)

Out of Pocket Expenses Tracking Worksheet (DOC)

Outstanding Debts (DOC)

 

Visit these pages for more information about Credit Repair!

How to Deal with Deficiencies to Repair Your Credit

How to Repair Your Credit Score after You File for Bankruptcy

How to Maintain Good Credit Throughout Life

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