““ 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, 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 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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