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Secrets Of The 800+ Club: How to Raise Your Credit Score, Maintain Good Credit, and Live the Life of Unicorns
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About Secrets Of The 800+ Club: How To Raise Your Credit
Product Description Credit can be one of the most important negotiating factors in your financial toolbox. With good credit, you gain access to lower interest rates, premium credit cards, and greater spending power. But why stop there? In Secrets of the 800+ Club, industry veteran Terrell Dinkins spills her best secrets for taking your credit score all the way to the top. Her tried-and-true techniques will not only help achieve financial peace, but decode every factor that goes into determining your credit score. Each calculated step is designed to help you reach the coveted 800+ club. Join the club and start reaping all the perks of membership. From the very best rates to absolute financial security, you too, can start living the life of unicorns---those who consistently maintain excellent credit. It's time to see your hard work pay off, so start unlocking the secrets today and maximize your credit potential! Secrets of the 800+ Club will help readers: Learn strategies and solutions to raise their credit score Be able to continue to maintain good credit Identify false promises, scams, and myths regarding credit, including how much you should use Understand the importance of learning about good credit and financial practices at an early age, to avoid the burden of debt later in life Terrell Dinkins, MBA, ChFC(R), CDFA(R), is a financial advisor, wealth empowerment speaker, and author. She has been featured in magazines and newspapers and has spoken to numerous groups, providing expert advice on personal finance. Secrets of the 800+ Club is her second book. Her first book, One Bucket at a Time: A Woman's Guild to Creating Wealth, was released in 2015. Review "A comprehensive guide to understanding your personal credit score and improving it. This latest from professional financial advisor Dinkins, the author of One Bucket at a Time (2015), concentrates on thecore element of personal finance: the individual credit score. Right from the start of this book, the author stresses itsoverwhelming importance: The score "not only determine[s] the type of mail that comes to our boxes, but it alsodetermines the price we pay for our homes and cars, and even whether we receive a loan if we want to start a business,"she writes. She points out that some people are so desperate to clean up their score that they're willing to pay exorbitantfees at credit-renovation seminars to do so, but she assures her readers that this isn't strictly necessary ("Credit repaircompanies do not have a magic bullet"); instead, she shows, in this book, how people can do a lot to help fix their creditscores themselves. Dinkins writes about all of this with simple, encouraging clarity and inviting notes of humor (at onepoint noting "I think I've stressed this point ad nauseam, don't you think?"). A great amount of valuable information iscompressed into fewer than 130fast-moving pages. In that small space, the author explains to readers what credit is, howit works, why it's important, and how to establish it at the beginning of one's financial life; she also informatively reveals thenatures of scams that guarantee quick credit renovation. In addition, she earnestly tells readers that there's little room forcompromise when a credit score decreases: "If you have an 800+ credit score, your score can drop fifty points and you willstill receive great rates on credit," she writes. "If you have a 750 credit score and your score drops 50 points, you are nolonger considered an excellent borrower." An intelligently organized and optimistic guide to repairing one's credit." ---Kirkus Reviews Booklife Reviews Dinkins's second straight-talking financial advice publication (the follow-up to 2015's One Bucket at a Time: A Woman's Guide to Creating Wealth ) affirms her zeal for truth-telling and protecting her audience from scams. Dinkins was inspired to create the guide when she witnessed a sales pitch from a speaker at an Atlanta Wealth and
