{ "item_title" : "Credit Score Repair for Beginners", "item_author" : [" Jaideep Sawhney "], "item_description" : "Your Credit Score Is Costing You More Than You ThinkEvery point below 700 is quietly draining your wallet - through higher interest rates, larger security deposits, costlier insurance premiums, and loan rejections that push you toward predatory lenders. But here's the truth: bad credit is almost always fixable, and you do not need to pay a repair company thousands of dollars to do it.Credit Score Repair for Beginners is the no-jargon, step-by-step guide that walks you through exactly what to do - from pulling your first free credit report to disputing errors, negotiating with creditors, and building a profile that gets you approved at the best rates.What You'll LearnHow your credit score is calculated - and which of the 5 factors to focus on firstHow to read your credit report like a professional and spot the errors hurting your scoreThe exact dispute process that forces credit bureaus to investigate and remove inaccurate itemsHow to negotiate directly with creditors - including pay-for-delete and goodwill letter strategiesThe utilization strategy that can raise your score in a single billing cycleCredit-building tools for thin files, fresh starts, and post-bankruptcy recoveryHow to protect your credit from identity theft, life events, and common mistakesA Complete System, Not Just AdviceThis book covers 43 chapters across 6 structured parts, moving from credit fundamentals all the way through advanced strategies for specific situations - divorce, job loss, medical debt, building business credit, and long-term wealth building. It includes ready-to-use dispute letter templates, a 30-day action plan, a 12-month credit mastery roadmap, worksheets, and a complete credit glossary.Whether your score is 450 or 650, whether you have one collection account or ten, this guide meets you exactly where you are.Perfect for You If...You've been turned down for a loan, apartment, or credit cardYou're paying high interest rates and want to qualify for better termsYou have errors, collections, or late payments dragging down your scoreYou're rebuilding after bankruptcy, divorce, or financial hardshipYou're starting from zero and want to build credit the right way from the startNo fluff. No expensive consultants. No complicated legal jargon. Just a clear, honest roadmap written for real people in real financial situations.", "item_img_path" : "https://covers4.booksamillion.com/covers/bam/9/79/818/101/9798181013599_b.jpg", "price_data" : { "retail_price" : "9.99", "online_price" : "9.99", "our_price" : "9.99", "club_price" : "9.99", "savings_pct" : "0", "savings_amt" : "0.00", "club_savings_pct" : "0", "club_savings_amt" : "0.00", "discount_pct" : "10", "store_price" : "" } }

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