Unsecured Credit Card

In The Credit Repair Black Book, you will learn credit repair secrets from an industry insider. Mark Kennedy, a 20-year credit and financial services industry veteran, shares how to repair your problem credit, rebuild your credit profile and get you back on the path to credit freedom. Mr. Kennedy reveals the secrets and tactics that the credit bureaus have tried to keep secret for years. Finally, the greatest credit score myths are revealed, along with proven, legal strategies on how to repair your credit. Included are topics such as understanding your credit report, how to legally remove any type of adverse credit from a consumer credit report, how to avoid the biggest credit traps, secrets for raising your credit score (no matter bad your credit is) and legally restoring your credit profile. And much more. Also included are over 100 credit repair tips and tactics.

About the AuthorMark Kennedy first entered the financial services industry in 1991 and helped open his first mortgage company in 1993. In 2000 he became a partner in one of the nation’s largest specialty mortgage companies. By 2005, he was being called upon to provide consulting services to banks and lenders nationwide that needed his expertise in marketing, customer service and process management. Over the course of two decades, he has helped thousands of individuals and families buy or build their dream homes. Often, his clients come to him with credit issues or other problems that caused them to be previously denied loans. His expertise and willingness to take on the bureaus at their own game created credit approvals and helped his clients take their first steps to credit freedom. With his 20+ years as a mortgage and financing professional, Mark has learned credit secrets that only a few industry insiders know (and even fewer share). He loves nothing more than to expose the secrets and myths of the financing and credit world. And, although the credit bureaus may not like it, his clients appreciate the honesty and candor with which he approaches his business. The first edition of The Credit Repair Black Book (first edition, 2005) was wildly popular among consumers (and equally hated by the “fat cats” in credit industry). Now in its third update and printing (December, 2011), this book continues to provide the most current information available on credit repair and credit preservation – all while continuing to expose the myths and secrets of the credit bureaus.

Most helpful customer reviews

8 of 8 people found the following review helpful.
Excellent Book on Credit Repair and Increasing Scores
By JP
Mark Kennedy really seems to know his stuff. This book has tons of useful and actionable information on not just fixing past bad credit, but on building and maintaining the highest scores. There is also a lot of information on how the credit bureaus work and how to beat them at their own game. I recommend this book to anyone who needs to fix their credit or wants to make sure they avoid having credit problems in the first place.

5 of 5 people found the following review helpful.
A Great Credit Education
By Philip Munson
After reading several credit repair books, I think this is by far the best I have found. This book is packed with good, actionable information on how to raise and then protect your scores. I certainly recommend The Credit Repair Black Book to anyone who needs to learn more about credit scores and the credit system.

4 of 4 people found the following review helpful.
Great Book on Credit and the Credit Bureaus
By Phil Taylor
Mark Kennedy does an excellent job of explaining how the credit bureaus work and how consumers can work within the system to fix problem credit and also avoid having future credit problems. This book is a wonderful resource.

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Best Credit Card For Airmiles

Tommy Hilfiger Stockton Black Lambskin Credit Card Organizer Wallet. This card organizer wallet measures at approximately 3.3″ x 4.7″. Features : The organizer/billfold design provides a lengthwise pouch for bills, five credit card slots on the inside right and left side, an ID flap in the center and hidden slots on the left and right sides. Each wallet comes in a Tommy Hilfiger Valet Gift Box.

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9 of 9 people found the following review helpful.
Space without bulk
By Daniel Ryan
I was after a wallet with plenty of credit card space but that wasn’t bulky. This’ wallet certainly fits. It’s well made, has plenty of card slots, a deep cash slot and a nice feel. I’m more than happy.

5 of 5 people found the following review helpful.
Nice wallet
By brian b
very happy with this purchase. comfortable seemingly well made wallet, thats has room for lots of cards ect. Held up well so far about 16 months i believe.

2 of 2 people found the following review helpful.
Perfect Wallet
By K. C. Kolb
I bought this wallet to replace an old one I’ve had for years. I didn’t think I would find an adequate replacement this easy, but this wallet fulfills all the needs I have. It has tons of slots for credit cards and business cards and the quality is outstanding. You can’t go wrong with this purchase.

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Master Card

5 x 7 inch premium quality folded paper greeting card. Congratulations cards for the whole family are available at Greeting Card Universe. Show your loved ones you care with a custom paper card to make the occasion memorable. Send a paper Congratulations card from Greeting Card Universe this year. This paper card includes the following themes: masters, Graduation, and Congratulations. Set your paper cards apart this year with For Him cards to celebrate the occasion.

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Horizon Gold Credit Card

Tommy Hilfiger Stockton Black Lambskin Credit Card Organizer Wallet. This card organizer wallet measures at approximately 3.3″ x 4.7″. Features : The organizer/billfold design provides a lengthwise pouch for bills, five credit card slots on the inside right and left side, an ID flap in the center and hidden slots on the left and right sides. Each wallet comes in a Tommy Hilfiger Valet Gift Box.

Most helpful customer reviews

9 of 9 people found the following review helpful.
Space without bulk
By Daniel Ryan
I was after a wallet with plenty of credit card space but that wasn’t bulky. This’ wallet certainly fits. It’s well made, has plenty of card slots, a deep cash slot and a nice feel. I’m more than happy.

5 of 5 people found the following review helpful.
Nice wallet
By brian b
very happy with this purchase. comfortable seemingly well made wallet, thats has room for lots of cards ect. Held up well so far about 16 months i believe.

2 of 2 people found the following review helpful.
Perfect Wallet
By K. C. Kolb
I bought this wallet to replace an old one I’ve had for years. I didn’t think I would find an adequate replacement this easy, but this wallet fulfills all the needs I have. It has tons of slots for credit cards and business cards and the quality is outstanding. You can’t go wrong with this purchase.

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Credit Card 0 Apr

A first credit card can be very exciting. But, along with its use comes huge financial responsibility. This is not meant to be killjoy, just sound advice so you’ll get a proper handle of things from the very start. With sound advice you can avoid difficult credit card problems in future and keep enjoying the perks that a good credit card can give you. The most important detail to remember is that a credit card is borrowed money. So, as we’ve been taught once upon a time, we have the obligation to return what we borrow. To be able to return what we borrow, in the time and terms we agreed when we accepted the credit card contract, we borrow only what we can afford to return. Borrowing from your credit card and paying the amount in the approved manner can help build your good credit rating and save you from a load of credit card debts in the long run. Hence, for the first-time credit card user it becomes important to understand how your credit card works so you can use it well. This book will give information on choosing the best credit card deal and applying for the right credit card. Also, it will outline the framework of a credit card statement and contract so you get the idea of how, when and what to pay so you can keep your credit card in good standing all the time.

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Credit Cards Applications

With Intuit GoPayment and the mophie marketplace complete credit card solution, you have everything you need to securely process credit card payments on your iPhone 4

With Intuit GoPayment and the mophie Marketplace credit card reader, you have everything you need to securely process credit card payments on your iPhone. It’s simple to get started. Get started in as few as 15 minutes, and begin accepting all major credit cards on your iPhone 4 so you can get paid on the spot.

Compatible with iPhone 4.

Most helpful customer reviews

8 of 9 people found the following review helpful.
Mobile Credit Card Acceptance Device
By skier
This is a sturdy unit, unlike some others that attach to the top of the phone via the headphone jack.

The phone fits in the unit very well and acts as a protective case. It can be removed quickly and easily if necessary.

The unit operates as advertised. Excellent mobile credit card acceptance device. Works great with quickbooks merchant service “GoPayment” account. Much less expensive than a dedicated credit card swiper device and your money goes directly into your bank account. No waiting to download info to bank or extended wait periods like other systems.

8 of 10 people found the following review helpful.
Mophie Go-Payment Credit Card Reader
By J Nichols
I bought the Mophie credit card reader rather than waiting two weeks for the free Intuit reader–Amazon had expedited shipping. After learning some tips on how to operate the device, it was a breeze. Just make sure that the volume is turned up, and that you swipe quickly, then the card should be accepted, and should not have to be keyed in. If swiped, you pay 1.7% to the credit card company, if keyed in, you pay 3% of the sale. Turn up the volume on your iPhone, and swipe quickly. If it still doesn’t work, get near the window so that you have more bars, or a good service. That should help too. One more thing — watch that you order for 3G or 4G iPhone. Apple sells this only for the 3G iPhone — Amazon has it for both.

7 of 9 people found the following review helpful.
Saves a lot of time!
By Ericonmaui
We’ve been manually entering CC numbers for about a year for our food cart business. When the price dropped on the Mophie, it was a no-brainer!
Now that we have it, we should of paid full price months ago. It makes business run a lot smoother.
I definitely recommend it over the Square-type card reader. Got one of those too, and ended up throwing it away.

See all 11 customer reviews…

Credit Card Interest Rates

Today, a good credit score is essential for getting decent terms on credit–or for getting credit at all. But that’s just the beginning: You’re now being judged on your credit score by everyone from employers to cellphone carriers. Now, MSNBC/L.A. Times journalist Liz Weston has thoroughly updated her best-selling guide to credit scores, with crucial new information for protecting (or rebuilding) yours. Your Credit Score, Fourth Edition thoroughly covers brand-new laws changing everything from how your credit score can be used to how you can communicate with collectors. This edition also adds simple graphics revealing exactly how much skipped payments, bankruptcies, and other actions will lower your scores, and how long it takes to rebound. You’ll find new information on “FAKO” alternative scores… expanded coverage of short sales, foreclosures, the new FICO 8 Mortgage Score, and when to “walk away” from a mortgage… guidance on protecting yourself against new credit risks from social networking and mobile banking… expanded coverage of credit scoring by insurers… and an all-new chapter on safeguarding against unethical or illegal use of credit scores by employers. Weston updates her expert guidance on using FICO 08 to raise your score… fighting lower limits and higher rates… maintaining the right mix of cards and balances… bouncing back from bad credit… choosing credit “solutions” that help, not hurt… and much more!

From the Back Cover

 “Recommended reading!”
–Wall Street Journal Online

“A great credit score can help you finish rich! Liz Weston gives solid, easy-to-understand advice about how to improve your credit fast. Read this book and prosper.”
–David Bach, bestselling author of The Automatic Millionaire and The Automatic Millionaire Homeowner

“Excellent book! Insightful, well written, and surprisingly interesting. Liz Weston has done an outstanding job demystifying an often intimidating and frustrating topic for the benefit of all consumers.”
–Eric Tyson, syndicated columnist and bestselling author of Personal Finance for Dummies

“No one makes complex financial information easy to understand like Liz Weston. Her straight-talk and wise advice are invaluable to anyone with a credit card or checkbook–and that’s just about all of us.”
–Lois P. Frankel, Ph.D., author of Nice Girls Don’t Get the Corner Office and Nice Girls Don’t Get Rich

“In a country where consumers increasingly pay more when they have bad credit, Liz Weston’s book provides excellent tips and advice on ways to improve your credit history and raise your credit score. If you just apply one or two of her insightful suggestions, you’ll save many times the cost of this book.”
–Ilyce R. Glink, financial reporter, talk show host, and bestselling author of 100 Questions Every First-Time Home Buyer Should Ask

“Your credit score can save you money or cost you money–sometimes a lot of money. Yet, most people don’t even know their scores, much less know how to make them better. Liz Weston can help you fix that. In this easy-to-understand guide, you’ll learn how to make sure your score helps you get the best deal on loans and insurance. You can’t afford not to read it.”
–Gerri Detweiler, consumer advocate and founder of UltimateCredit.com

America’s Most Trusted Guide to Improving Your Credit Score…
Now Completely Updated!

•  Boosting your score: what works now, what doesn’t–and what you should never do!

•  Detailed new charts: How short sales, foreclosures, and missed payments impact your score

•  Must-have information about credit score abuse–and how to fight back

•  By award-winning MSN Money/AARP financial columnist and public radio contributor Liz Weston

Your credit score is more important than ever: not just for getting loans, but for getting jobs, insurance, rentals, and fair rates on all financial services. Now, more than ever, you need America’s #1 guide to credit scores: Your Credit Score, by MSN and AARP columnist Liz Weston.

Accurate, expert, and proven, this book tells you the truth–and it’s already helped many thousands of people take control of their credit scores. Now, it’s completely revamped for today’s massive changes–from FICO 8 to “FAKO,” short sales to employer abuse of credit scores.

Whatever your score, you need this information–to defend yourself, and to get the credit, rates, work, and home you deserve!

About the AuthorLiz Weston is a personal finance columnist whose twice-weekly columns for MSN Money reach more than 10 million people each month. She writes a money column, “My Two Cents,” for AARP the Magazine, the largest circulation magazine in the world with 22 million subscribers, and authors the question-and-answer column “Money Talk,” which appears in the Los Angeles Times and other newspapers throughout the country.

Liz is a regular commentator on American Public Media’s Marketplace Money and has contributed to NPR’s “Talk of the Nation” and “All Things Considered.” She has appeared on Dr. Phil, Today Show, and NBC Nightly News, and was for several years a weekly commentator on CNBC’s Power Lunch.

Her advice on credit and finance has been featured in Consumer Reports, Marie Claire, Parents, Real Simple, Woman’s World, Woman’s Day, Good Housekeeping, Family Circle, and many other publications.

Formerly a personal finance writer for the Los Angeles Times, Weston has won numerous reporting awards, including the 2010 Betty Furness Consumer Media Award by the Consumer Federation of America, designed to honor individuals who have made “exceptional progress in American consumerism.”

Her other books include The 10 Commandments of Money, which the New York Times praised as “a wonderful basic personal finance book…[with] enough counterintuitive ideas to keep even people who know a bit about personal finance reading further.” She is also the author of Deal with Your Debt and Easy Money, both published by Pearson.

Weston is a graduate of the certified financial planner training program at University of California, Irvine. She lives in Los Angeles with her husband and daughter. She can be reached via the “Contact Liz” form on her Web site, AskLizWeston.com.

Most helpful customer reviews

9 of 10 people found the following review helpful.
Sound financial advice for those in credit distress!
By Dad5
Your Credit Score by Liz Weston provides sound financial advice in an accessible, readable presentation; with the first half of the book dedicated to a discussion of how credit scores are compiled and how to manage your credit scores. The second half of the book has a less general application, but is must reading for those with credit issues, particularly those seeking to rebuild a damaged credit history. The potential impact of credit scores on insurance premiums and the job search may also come as a surprise to readers.

I would suggest, however, that if the reader’s primary interest is the FICO score, they should first check out Understanding Your FICO Score, a 20-page booklet available free on the myfico.com website. This covers much of the material in Chapters 1 and 2 of Your Credit Score. If you want to learn more, I would then turn to Weston’s book.

Readers who paid for a credit score online, expecting a FICO score, but receiving a VantageScore instead, will be particularly interested in Weston’s Chapter 3. While the three major credit bureaus promote VantageScore as a superior alternative to FICO, Weston provides some valuable insights on the VantageScore vis-a-vis FICO; Weston also indicates free sources for VantageScore, saving the reader a typical $7.95 (or more) that many pay for this score.

So, my only caution to readers is that about one-half of the book has general applications for all readers and the other half is primarily relevant to those in financial distress. If you are not facing credit issues, you may wish to closely examine the Table of Contents to determine if Your Credit Score is right for you.

5 of 6 people found the following review helpful.
GOOD INFO, GREAT FOR THOSE TRYING TO BUILD CREDIT
By KDub
This book gives a great foundation about what credit is. Goes in depth about how credit scores are calculated and how they are affected. Because of this I think this would be great for teens, or college students.
The ways to improve your credit score are nothing new if you are fairly knowledgable about credit. It reinterates many of the basic tips that most are familiar with like ensuring there are no errors on your credit report and paying your bills on time.
I think this book would provide any person with some knowledge about credit and help those who have serious credit problems with a way to organize their clean-up game plan.
Worth reading for all.

2 of 3 people found the following review helpful.
Read it!
By #$%@
I wish I knew all of these information many many years ago. You how much better my life and my friends and family lives would have been? It is sickening keeping this information hidden from people. A must read.

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Credit Card With Low Interest Rate

If you’re trying to kick the “Buy Now/Pay Later” habit and get your spiraling debt under control, you need Managing Debt For Dummies now! This practical, commonsense guide provides straightforward strategies for coping with every kind of secured and unsecured debt, including, personal loans, car loans, mortgages, home equity loans, lines of credit, credit cards, finance company loans, and student loans. You’ll find out how easy it is to:

• Distinguish between good and bad debt
• Go on a “debt diet” to get back into financial shape
• Start a filing system to track debt and protect life after debt
• Adopt a smart spending regimen
• Increase your income
• Consolidate your debt
• Decide which bills to pay when you can’t pay them all
• Use credit cards responsibly

You can still live well while slashing spending on groceries, clothing, and entertainment. Find out how in Managing Debt for Dummies.

From the Back CoverTips on spending less and getting more for your money

Manage your money wisely, stop accumulating debt, and start paying it off today!

Are you carrying too much debt? Relax! This practical guide gives you simple, effective methods for paying off your bills as quickly as possible and getting your finances back on track. You’ll find proven strategies for slashing spending, consolidating debts, dealing with collectors, handling high-risk debt such as a mortgage or car loan, and avoiding future debt problems.

“Managing Debt For Dummies arms consumers with all of the tools and information they need to pay down their debts. It’s an essential guide for anyone with money troubles.”
—Richard Alderman, Director of the Center for Consumer Law, Associate Dean, University of Houston Law School

Discover how to

• Create a debt-busting budget
• Improve your spending habits
• Use credit cards responsibly
• Negotiate with creditors
• Manage past-due debt
• Rebuild your credit history

About the AuthorJohn Ventura: John is a best-selling author and a nationally boardcertified bankruptcy attorney. He is also an adjunct professor at the University of Houston Law School and the director of the Texas Consumer Complaint Center at the Law School.
As a young boy, John dreamed of becoming a Catholic priest so he could help everyday people, and he spent his high school years in a Catholic seminary. After graduating, however, John decided to achieve his dream by combining journalism with the law. Therefore, he earned an undergraduate degree in journalism and a law degree from the University of Houston Law School. Later, he and a partner established a law firm in Texas, building it into one of the most successful consumer bankruptcy firms in the state. He subsequently began a successful consumer law firm in South Texas.
Today, as Director of the Texas Consumer Complaint Center, he supervises law students as they help consumers with their legal problems. He is also a regular speaker at law conferences around the country and serves on the Bankruptcy Council for the Texas Bar Association.
John is the author of 13 books on consumer and small business legal matters, including Law For Dummies, 2nd edition; The Everyday Law Kit For Dummies; Divorce For Dummies, 2nd edition; and Good Advice for a Bad Economy (Berkeley Books). John has been interviewed about consumer money matters by numerous national media including CNN, NBC, NPR, Bloomberg Television & Radio, The Wall Street Journal, USA Today, Newsweek, Kiplinger’s Personal Finance, Money, Inc. Martha Stewart’s Living, Bottomline, Entrepreneur, Bankrate.com, CBSMarketWatch.com, and MSNMoney.com. In addition, his comments and advice have appeared in major newspapers around the country, and he has been a frequent guest on local radio programs.

Mary Reed: Mary Reed is a personal finance writer who has coauthored or ghostwritten numerous books on topics related to consumer money matters and legal rights. The books she has coauthored with John Ventura include The Everyday Law Kit for Dummies, Divorce For Dummies, and Good Advice for a Bad Economy (Berkeley Books). Mary has also written for the magazines Good Housekeeping, Home Office Computing, and Small Business Computing, and she has ghostwritten numerous articles that have appeared in national and local publications.
Mary is also the owner of Mary Reed Public Relations (MR•PR), an Austin, Texas-based firm that provides public relations services to a wide variety of clients, including authors, publishers, attorneys, financial planners, healthcare professionals, retailers, hotels, restaurants, and nonprofits.
Prior to starting her public relations business and writing career 20 years ago, she was vice president of marketing for a national market research firm, marketing director for a women’s healthcare organization, and public relations manager for Texas Monthly, a national award-winning magazine. She received her MBA from Boston University and her BA from Trinity University in Washington, DC.
In her free time, Mary serves on the board of a community development corporation in her neighborhood. She also enjoys long morning bike rides, road trips with her husband, gardening, working her way through the stack of books by her bed, taking care of her six cats, and spending time with her family and many friends.

Most helpful customer reviews

14 of 14 people found the following review helpful.
The light at the end of the tunnel!
By E. Sanchez
Not knowing where to start untangling the mess I’d made for myself and way too embarrassed, even ashamed, to ask for help kept me living in vagueness, not ever adding up the numbers. Managing Debt for Dummies made it safe to come out from under the covers and look at my financial situation. Ventura and Reed not only have a friendly, non-judgmental tone to their advice, they break the road to solvency down into manageable pieces and guide us forward step by step. It most reminds me of the feeling I had as my dad ran alongside my bike the first rides after removing the training wheels. The fear is still there, but knowing he’s there to guide me, I’m able to take the risk, all the time feeling an eminent sense of independence.

12 of 12 people found the following review helpful.
Excellent current information to help millions struggling with debt
By Gerri Detweiler
I’ve been a fan of John Ventura and Mary Reed’s books for some time, mainly because they are accurate, straightforward and actionable. Managing Debt for Dummies is no exception. It covers everything from basic budgeting to how to avoid eviction. I’ve been in the consumer education field for a long time now and I can attest that the strategies and resources listed are reliable and useful.

The chapter on Managing Your Past-Due Mortgage is going to be especially relevant as billions of dollars in adjustable rate mortgages begin to reset. Likewise, I know a lot of people are having trouble paying back student loans, and the information there is also clear and straightforward.

Overall, this book is coming out at the right time, and I have no doubt many, many people are going to find it indispensible.

8 of 8 people found the following review helpful.
Managing Debt for Dummies
By J. Coleman
This book gives you everything you need to know about getting your finances in order and gives you a plan of action. The information is very practical and helpful for a variety of issues and situations. If you are in debt, this is a must read.

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0 Credit Card Offers

Whether you’re off to a part or running along the beach, ditch the wallet and keep your valuables by your side! Stowaway’s multi-layer design offers protection for your phone, credit cards and ID.

Most helpful customer reviews

13 of 13 people found the following review helpful.
Almost love it
By Tara
Since I always carry a large handbag, but my phone is always in an easily accessible pocket, I was looking for a case that could also hold my train tickets & Starbucks card or driver’s license & train tickets depending so the things I need quickly wouldn’t require me to dig around in my bag. This absolutely fit the bill. The case is substantial and really offers protection, it even comes with a screen protector. I can easily stash a couple of cards in the compartment and when I’m home I can use the door as a stand so I can watch movies on my phone. It’s exactly what I wanted and I was thrilled. Unfortunately the first night I went out and used it- I was showing it off and everyone was complimenting it- I discovered trying to take pictures was pretty impossible. The hole for the camera is too small and causes a purple haze across the whole picture when the flash goes off. It doesn’t effect the front camera. And it’s okay if you can take the picture without a flash which is why it took me a few days to discover the problem. All night I had to pull my phone out of the case if I wanted to take a flash picture (and no flash wasn’t an option). Essentially that is useless because I almost lost my train ticket every time I had to do this plus I had to put my phone on the sticky bar table.

So I would say if you don’t use your camera often in any kind of low light situation, this is a great case. But if you plan on being able to take pictures easily at all times this might not be the best option. For me I think I’ll search for something else to switch to for nights I plan on going out (I always take pictures).

4 of 4 people found the following review helpful.
Great, just one thing wrong!
By Jvie
This case is great. It is sturdy and looks really good. The holder is really awesome! One problem is that the when you take a picture with flash, it reflects on the inside of the case and the picture turns out blurry. This is why I made it four stars instead of five! Otherwise it would be perfect.

3 of 3 people found the following review helpful.
It’s What I Wanted
By AsiaM
This card, iPhone case is exactly what I wanted. I’m not big on purses, and I usually just carry my 3 cards, phone and lip gloss, so it’s perfect. My only issue with the case is that, when taking pictures, it gives the photo a pinkish/purpleish tinge in the corner(s) (because that is the color of my case). One way I’ve found to correct that is to color/paint the area, of the case (that surrounds the camera), black. It works, as long as you don’t take pictures in poor/no lighting. Aside from this, it’s a great case and I get compliments on it all the time.

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