The Credit Cleanup Book
Improving Your Credit Score, Your Greatest Financial Asset
by Shindy Chen
October 2014, 180pp, 6 1/8 x 9 1/4
1 volume, Praeger

Hardcover: 978-1-4408-3182-9
$55, £43, 48€, A76
eBook Available: 978-1-4408-3183-6
Please contact your preferred eBook vendor for pricing.

Over a lifetime, a low credit score can cost tens of thousands of dollars.

By unlocking the mortgage industry's trade secrets, this indispensable book will help readers understand credit scoring and learn how to obtain—and improve—their credit reports.

Many consumers don’t understand the basics of credit reporting and scoring or how this information is used by lenders and service providers today. This book was written to remedy that. A no-nonsense guide, it teaches readers about credit reports and scores, shows them how to obtain and read their credit reports, and outlines ways to remove negative and inaccurate items. Readers will also learn about the latest consumer protection legislation concerning credit and lending and about changes in lending practices that can impact their financial well-being.

The book details credit’s impact on nearly every aspect of life, including employment; insurance; love relationships; services such as mobile phones and utilities; apartment leases; and auto, business, and home mortgage loans. It walks readers through the process of disputing negative items on credit reports and includes letter templates that can be used for that purpose. Finally, it provides readers with credit- and debt-management tips and describes state-of-the-art tools that can be used to foster better money- and credit-management habits. With this book in hand, a consumer should be able to achieve the higher credit score that is a person’s greatest financial asset.


  • Includes the latest information on banking and lending requirements in the post-credit-crisis environment
  • Explains how new regulations and guidelines, such the Dodd-Frank Act, are impacting banks, credit, and lending
  • Shows readers what will improve a consumer's credit score and what will damage it
  • Spells out debt management strategies and debt solutions and shares tips on technologies that help with credit and money management
  • Exposes common credit reporting and lending myths and secrets
Shindy Chen is a content editor and writer for the financial, tech, and travel industries. She was in financial services for almost a decade before pursuing print and broadcast journalism, and now digital media. Among other positions, she was a vice president and regional mortgage manager at Wachovia Mortgage, now Wells Fargo Mortgage, and a senior loan originator at CTX Mortgage of Fortune 250 home builder Centex Homes. She has worked with more than 300 clients and their credit reports, closing more than $100 million in gross mortgage volume. Chen received her master's degree in business administration from Georgia State University, a Master de Management from the Université Panthéon Sorbonne in Paris, and a degree in English from the University of North Carolina at Chapel Hill.


"Great entrepreneurship begins at home. The Credit Cleanup Book is hands down the most engaging and informative guide for improving your personal credit."—Ron Shah, Angel Investor and Founder of Jina Ventures
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