Product Description
Do you find your desperation level increasing just as fast as your debts? Take control of your credit problem. With the easy-to-use tools and resources inside, you have the power to Fix-It-Yourself!

Have you ever—
• Been turned down for credit in person?
• Received a rejection letter?
• Been turned down for a mortgage?
• Paid high interest rates?
• Been turned down for employment, housing, or a bank account?

You know these problems can signal mounting debt, but you might not realize how much debt you have. So many of us continue to spend our way into deeper financial trouble, thinking the problem will just disappear. Think again! If you donÂ’t make an intelligent decision to do something about your delinquent credit, no one else will.

With a few simple strategies outlined in Fix-It-Yourself Credit Restoration: A Complete Credit and Debt Management System, you can take control of your personal finances and see results the very first month! The clear examples in Fix-It-Yourself make it easy to write to all three credit reporting agencies, memo style, in 100 words or less. Exercise your legal right to disagree with the credit information being reported about you.

A household debt organizer—included inside—gives you additional power to keep your finances in order. As you work to repair your credit, the convenient debt organizer enables you to monitor your bill-paying habits for a full year. Record your prompt payment of bills for 12 months and watch your credit score improve!

With this complete credit and debt management system, author Brenda Ojofeitimi places in your hands the power to Fix-It-Yourself! Why trust anyone else? ... Read more

Product Description
Which credit card is REALLY offering the best deal?How do you refinance debt using existing credit cards?Why is it sometimes better to use credit cards instead of a home equity loan?How long will it take to pay back ALL your debt?The answers to these and many more questions are contained in this powerful guide to consumer credit management.Using numerous real-life examples the reader is shown how to lower monthly payments, save money on finance charges and reduce the interest rates of loans.By applying these valuable strategies, it is possible to save thousands of dollars! ... Read more

Customer Reviews (10)

A worthwhile book
This is the second book I've read on debt management. Each had different areas of focus. Scott's here is debt portfolio management and the fundamentals of how loans work. He wants you to develop good financial habits and know exactly what's coming in and where it's going out, and he wants you to understand how interest rates add up, so you can cut through all the offers and pick the deal that's best for you. Consequently, there are worksheets to help you analyze your current position, and there's a lot of drilling on real-life examples of loans and what their true costs are. He gives you tables in the back of the book that make analysis fairly easy, but if you can handle a spreadsheet program that's a better way to go.

My view is that it only takes one good tip from a book like this to make it worthwhile reading. Mine was the bit about taking a longer lower-rate loan and then paying it off using higher installments, providing there are no prepayment penalties. In doing this you'll save a lot over a shorter-term higher-rate loan. The book also encouraged me to learn more about the financial functions in OpenOffice.

The book doesn't go much into credit repair, per se. Not much about how to deal with credit companies, details on how to clean up your credit reports, etc. That's why I think several books are the best way to get sharp on this stuff. But if you're in the credit ICU, this is not the first book you should read; perhaps the second.

Taking control of credit is no less than a survival skill in our economy. Even if one is not in crisis he should read books such as these occasionally. And if one is in crisis they can be a lifesaver.

Save your Money!!
The book itself is not bad, information is good, somewhat dated in parts, but good.The problem is, nothing new is in the book.All of the information can be found at one of several websites like quicken.com, or bankrate.com, etc.Most of the information is pretty common sense.If you have to get the book or don't want to look on the internet for the information, then at least go to the library and check it out and save your money.

Awesome tools for financial self sufficiency!
Scott Bilker is a financial expert that turns the tables around to save money with credit.It is hands down advice on taking a radical approach as a consumer that is in charge of your money, not credit in charge of your money.Scott's book goes beyondtraditional ideas in fianance and offers functional finance ideas that will move you ahead in your goal to be financially independent.It is a step in the right direction no matter where you are in your budgeting skills. Scott Bilker also provides an exciting free DebtFree email newsletter that is full of information that is understandable and realistic in pracitically to obtain fianancial freedom!Thank you Scott!

Excellent Financial Teacher
What a refreshing,knowledgeable and easy to understand book.Many others have failed to teach us about debt and credit card management in a language we could relate to.This book not only teaches but guides you along the way.Intimidation of debt management and saving money is not a factor anymore, thanks to the author. It opened my eyes to many things I didn't know, or should already have knowledge of but could never understand. This book has encouraged me to take charge of my financial management and I now subscribe to the Debtsmart Newsletter, to keep the educational process going. I enjoyed the book tremendously and highly recommend it.

The best debt management tool on the market!
"Credit Card and Debt Management" is without a doubt the TOP OF THE LINE in its class.After having read through several debt management books, this one assisted me the most in debt reduction and managing personal finances.It's clear, concise and practical, with real world examples to learn from.As a member of the U.S. military who has had to relocate every few years, the use of credit cards has been essential in maintaining an enjoyable quality of life.This book has greatly assisted in balancing it all. Investing in "Credit Card and Debt Management" is money well spent! ... Read more

Product Description
This digital document is an article from Black Enterprise, published by Thomson Gale on November 1, 2006. The length of the article is 643 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: Can you trust your kid with a credit card? Education is essential to staying out of debt.(credit management)
Author: Lois Barrett
Publication: Black Enterprise (Magazine/Journal)
Date: November 1, 2006
Publisher: Thomson Gale
Volume: 37Issue: 4Page: 158(1)

Distributed by Thomson Gale ... Read more

Product Description
This digital document is an article from Black Enterprise, published by Thomson Gale on October 1, 2007. The length of the article is 616 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: Risks and rewards ... using equity in your home to pay off credit card debt.(CREDIT MANAGEMENT)
Author: Tamara E. Holmes
Publication: Black Enterprise (Magazine/Journal)
Date: October 1, 2007
Publisher: Thomson Gale
Volume: 38Issue: 3Page: 147(1)

Distributed by Thomson Gale ... Read more

Product Description
This volume is produced from digital images created through the University of Michigan University Library's large-scale digitization efforts. The Library seeks to preserve the intellectual content of items in a manner that facilitates and promotes a variety of uses. The digital reformatting process results in an electronic version of the original text that can be both accessed online and used to create new print copies. The Library also understands and values the usefulness of print and makes reprints available to the public whenever possible. This book and hundreds of thousands of others can be found in the HathiTrust, an archive of the digitized collections of many great research libraries. For access to the University of Michigan Library's digital collections, please see http://www.lib.umich.edu and for information about the HathiTrust, please visit http://www.hathitrust.org ... Read more

Product Description
This digital document is an article from NZ Business, published by Adrenalin Publishing Ltd. on March 1, 2009. The length of the article is 2197 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available immediately after purchase. You can view it with any web browser.

Citation Details
Title: Credit control in difficult times: a look at the current debt management/credit control scenario faced by business owners. How bad is it? What can you do about it? And what are the basic fundamentals of credit control to help you through the recession?(FEATURE)
Author: Kevin Kevany
Publication: NZ Business (Magazine/Journal)
Date: March 1, 2009
Publisher: Adrenalin Publishing Ltd.
Volume: 23Issue: 2Page: 38(4)

Distributed by Gale, a part of Cengage Learning ... Read more

Product Description
This volume is produced from digital images created through the University of Michigan University Library's large-scale digitization efforts. The Library seeks to preserve the intellectual content of items in a manner that facilitates and promotes a variety of uses. The digital reformatting process results in an electronic version of the original text that can be both accessed online and used to create new print copies. The Library also understands and values the usefulness of print and makes reprints available to the public whenever possible. This book and hundreds of thousands of others can be found in the HathiTrust, an archive of the digitized collections of many great research libraries. For access to the University of Michigan Library's digital collections, please see http://www.lib.umich.edu and for information about the HathiTrust, please visit http://www.hathitrust.org ... Read more

Product Description
This volume is produced from digital images created through the University of Michigan University Library's large-scale digitization efforts. The Library seeks to preserve the intellectual content of items in a manner that facilitates and promotes a variety of uses. The digital reformatting process results in an electronic version of the original text that can be both accessed online and used to create new print copies. The Library also understands and values the usefulness of print and makes reprints available to the public whenever possible. This book and hundreds of thousands of others can be found in the HathiTrust, an archive of the digitized collections of many great research libraries. For access to the University of Michigan Library's digital collections, please see http://www.lib.umich.edu and for information about the HathiTrust, please visit http://www.hathitrust.org ... Read more

Product Description
This volume is produced from digital images created through the University of Michigan University Library's large-scale digitization efforts. The Library seeks to preserve the intellectual content of items in a manner that facilitates and promotes a variety of uses. The digital reformatting process results in an electronic version of the original text that can be both accessed online and used to create new print copies. The Library also understands and values the usefulness of print and makes reprints available to the public whenever possible. This book and hundreds of thousands of others can be found in the HathiTrust, an archive of the digitized collections of many great research libraries. For access to the University of Michigan Library's digital collections, please see http://www.lib.umich.edu and for information about the HathiTrust, please visit http://www.hathitrust.org ... Read more

Product Description
This volume is produced from digital images created through the University of Michigan University Library's large-scale digitization efforts. The Library seeks to preserve the intellectual content of items in a manner that facilitates and promotes a variety of uses. The digital reformatting process results in an electronic version of the original text that can be both accessed online and used to create new print copies. The Library also understands and values the usefulness of print and makes reprints available to the public whenever possible. This book and hundreds of thousands of others can be found in the HathiTrust, an archive of the digitized collections of many great research libraries. For access to the University of Michigan Library's digital collections, please see http://www.lib.umich.edu and for information about the HathiTrust, please visit http://www.hathitrust.org ... Read more