A Look into the Secrets of Credit Repair: How to Fix Your Score and Erase Bad Debt by Diana Donnelly

If you’re struggling with poor credit and can’t seem to get any loans with reasonable interest rates, you’re not alone.

According to Experian’s Annual Credit Review, 16% of Americans have credit scores between 300 and 579, and another 18% have “fair” credit scores up to 669.

But even if you’re barely squeaking by with a “fair” credit score… it only takes one late payment to send your FICO score plummeting down.

Even the smallest glitch in the credit bureau’s reporting system can turn your life upside down financially.

Because unless you’re sitting near the average American’s credit score of 706… you’ll have a hard time saving up for retirement… getting a new line of credit… or securing a down payment for your dream home.

And as you continue spending and racking up debt, it’s only a matter of time before you fall behind on one loan after another… making it impossible for you to free yourself from bad credit blues.

But there’s good news.

Because by following this simple step-by-step approach, you can easily climb your way out of poor credit problems and establish your financial freedom once and for all.

So you never have to ask your friends and family for money ever again.

In this book, you’ll discover:

● The 6-step strategy for rebuilding your credit history and raising your FICO score
● How your FICO score is calculated — this factor accounts for 30% of your score
● The 6 specific parts of your loan application that banks look at when deciding whether to approve your loan
● 7 things debt collectors won’t admit to your face — remember this tip whenever you speak with a collection agency
● What is a ‘Section 609’ Letter, and how this type of correspondence can help clear your credit history
● 10 ways to repair bad credit, even if you’ve never seen your credit report before
● The difference between ‘hard’ and ‘soft’ inquiries, plus which ones you should avoid to keep your credit score from dropping
● The 5 common types of loans, and how to properly manage each type
● 7 effective credit-building techniques that anyone can start using immediately to improve their credit health

And much more.

It’s time to stop letting your debts take control of your life and start building a stronger financial foundation.

Your past doesn’t have to define your future. And with the easy-to-follow methods laid out in this book, you’ll gain all the strategic and tactical knowledge you need to get your credit score back to where you want it to be.

But the choice is yours.

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Author Bio:

From my more than 30 years of experience in various
real estate positions, I have the knowledge to provide
you with information about credit scoring.
I obtained my real estate license and started out
working for a relocation company where I counseled
employees and assisted them in relocating around the
country. If the employee could not sell their home
before moving, I would arrange for an appraisal of the
property, and the company would purchase the home
from them to give them enough funds to buy a new
home in their new location. Once the company
purchased the employee’s home, I listed it and worked
with an agent to market it until the home was sold.
After working in the relocation industry, I moved on to
working in the mortgage industry, where I have gained
19 years of experience. I started out processing loan
documents and ran my own company for years. I am
now a mortgage underwriter. In this position, I review
borrower documents for accuracy and completeness
and ensure the loan meets all guidelines for loan
approval so the borrower can have their application
approved. Working in the real estate and mortgage underwriting
industries has given me an in-depth understanding of
the issues faced by new home buyers. I have both financial
knowledge and practical experience, and I am
passionate about helping people break into what is a
notoriously difficult market. My passion for real estate
has only increased since I began working in the mortgage
industry. I firmly believe that everyone should be
able to own their own home, and I regularly witness the
frustrations brought about by the bureaucracy
surrounding credit scores. My goal is to help people
navigate this difficult terrain and comfortably achieve
their dream of home ownership. I am writing this book
because I was once in your position of trying to wrap
my head around improving my credit score to give my
husband, three children, and two lively dogs the best
life they could’ve had. I want to share the wealth of
knowledge I have accumulated over three decades to
help you gain an understanding of credit, how to
improve your credit score, and help you get the best rate
on your loan.

Cop vs. Capo by Cari Z, L.A. Witt

Wherever August Morrison and Ricardo Torralba go, chaos is sure to follow. The authors certainly know this, since their “standalone book” has now turned into a series with no end in sight, because…UGH. These two. We give up.

Anyway.

Detective David Chandler had no clue what he was getting into when he and his partner decided they were going to nail August for murder. They didn’t realize it was one of the few murders August didn’t commit, or that their homicide investigation would lead them into the middle of a mob war.

Cavalcante underboss Pedro Silva knew asking August and Ricardo for help was a terrible idea. Just mentioning their names is bad for Pedro’s blood pressure. Owing them a favor? Oh Lord. He still asked, though, because he was out of options, but he can’t say he didn’t know he’d regret it.

Neither man expected things to blow up this badly.

Now they’re both on the run from the mafia, the cops, and everyone in between… except for August and Ricardo. On one hand, that means they have two expert assassins in their corner. On the other, it means they have the biggest troll on the planet heckling them at every turn. And sticking them in a safehouse together. With only one bed.

And if August or Ricardo make one more comment about how Dave and Pedro should just hook up already…

Cop vs. Capo is 67,500 words long, and is book 4 of the Hitman vs. Hitman series.

CW: combat PTSD, alcoholism, on-page violence, discussion of abuse of a sex worker

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Author Bio:

L.A. Witt is a romance and suspense author who has at last given up the exciting nomadic lifestyle of the military spouse (read: her husband finally retired). She now resides in Pittsburgh, where the potholes are determined to eat her car and her cats are endlessly taunted by a disrespectful squirrel named Moose. In her spare time, she can be found painting in her art room or destroying her voice at a Pittsburgh Penguins game.

Cari Z was a bookworm as a child and remains one to this day. She writes in a wide range of genres , but somehow 90% of what she produces ends up falling into the broad and exciting category of m/m romance. There’s a sprinkling of f/m and f/f and even m/f/m in her repertoire, but her true love is man love. And there’s a lot of love to go around.

MILK by Michael Owino

Milk: Milk Trilogy Is Unfolding the Truths about the Indian Officials
[City, Month, Date, State] the author Michael Owino has recently written a book under the title of MILK: MILK TRILOGY. The book falls under the category of historical drama and covers wide aspects of the legal and illegal businesses that are run by Indian officials. The story will keep you hooked to the pages, and you will be surprised to know how much illegal businesses are entertained in India.
The story is written from the point of view of the villain in this novel, and you get to witness Mumbai from her perspective. The villain in this novel is represented by a strong and powerful woman who can pass any obstacle that comes her way, Claire, who has been in a serious love and work relationship with the main villain of the story whose name is Gustav Kräsen.
Reading this novel, you get to experience the thriller of secret investigations that are held against Gustav’s illegal business. You will get to know some of the unknown sides of how a private investigation is being conducted because the secret agent in the story has the approval to freely investigate inside India for eight days, and he is making the most out of it.
About the Author
In between the work with the reach and writing the first draft of Caught in time. Michael took extensive writing classes at a school for two years, and his teacher helped him to get finish his debut novel, Caught in time, and a new trilogy and writer was born. Since then, Michael’s life has been all about writing.
“I always knew that I was good in writing stories. I had written a lot of text to music, and so on, but I had never written a book. While I had traveled a lot in Germany during my whole life and have some family members there, I was starting to wonder – how on earth could these skillful and friendly people ever have been Nazis. As history obviously always had been my great hobby, I was starting to dive deeper into the question – I wanted to write a book about how it could happen what had turned those people to this disaster.”

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Author Bio:

MICHAEL OWINOS JOURNEY AS AN AUTHOR

Since a very young age, Michael also has been a well-known musician in Denmark where his drumming ability in the 80 s soon get a large following in the New Wave movements and the post-punk music scene. From mid-80s Michael stopped performing with his band Ballet Mecanique. Instead, he got himself a role behind the scenes where he signed up other artists and started to promote and sell music exclusively via the music company EMI.
During this period Michael traveled the world and simultaneous with his work he took a bachelor’s in pedagogic and later a degree as an Asperger consultant. That led him to get a big knowledge of society and politics. From this educational background and fieldwork, he gained a specific interest in political decision-making and how a simple decision actually works after it is fully integrated into society.
Michael began to get serious about writing in 2010 his writing career started late in life
In his own words.
“I always knew that I was good at writing stories. I had written a lot of lyrics to music and so on but I had never written a book. While I had traveled a lot in Germany during my whole life and had some family members there I was starting to wonder – how on earth could these skillful and friendly people ever have been Nazis. As history obviously always had been my great hobby I was starting to dive deeper into the question – I wanted to write a book about how it could happen what had turned those people into this disaster”
In between the work with the reach and writing the first draft of Caught in time. Michael took extensive writing classes at a school for two years and his teacher helped him to get to finish his debut novel Caught in time, a new trilogy, and a new writer was born. Since then Michael’s life had been all about writing.

About Two Become One

I’m all about the chase.
Everything that comes after getting the girl?
I’d rather swallow glass.
That’s why taken women are my type.
Don’t like it?
You don’t have to.
However, my newest challenge is full of surprises.
She’s temptation poured into a silhouette of dangerous curves.
And she’s onto me.
So is HR at the office.
Both quickly become my nightmare as they dare me to change.
Me. The forever bachelor. Can you imagine?
But the only thing that might do that is the secret my office fling is keeping from me—a secret that will change everything and tie us together forever.
A baby.
I’ve never wanted to “become one” with anyone.
At least not until her.

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Author Bio:
Hey there. I'm Weston.
Have we met? No? Well, it’s time to end that tragedy.
I'm a former firefighter/EMS guy who's picked up the proverbial pen and started writing bad boy romance stories. I co-write with my sister, Ali Parker, but live in Texas with my wife, my two little boys, a baby girl, 2 dogs, 2 cats and, a turtle.
Yep. A turtle. You read that right. Don’t be jealous.

About The Fall Line: (Book 1) The Slip

Pro snowboarder Jesse Sparks took the winter sports world by storm when he came out of near-retirement to take home the gold at the biggest ski and snowboarding event of the year. His renewed stamina is all thanks to one girl, Burgundy. There’s just one problem; she wants nothing to do with him.
Uncovered secrets and hidden twists bring out Jesse’s jealousy and insecurities as he fights to win her over, and new team rival with a past link to Jesse’s new love adds to the drama.
In his struggle to get the girl, will the bigger battle be the fight between Jesse and his new team rival or between Jesse and himself?

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Author Bio:
I’ve been a storyteller since I was a kid. I love to write hidden meanings and twists into my stories that keep readers on their toes, looking back at the details and excited see what’s ahead. My secret hobbies are that I love to snowboard, and I am a culinary school graduate.

About Phoenix Rising: An Alluring Journey of Self-Discovery and Transformation

The Phoenix Rising is an alluring journey of self-discovery and transformation that will guide you through the darkness of modern toxicity and towards the light of self-acceptance and empowerment. Written by a real-life depression and domestic violence survivor, this book delves into the transformative power of resilience, determination, and mindfulness, and provides practical strategies for finding and embracing your true purpose, developing self-care practices, and overcoming negative thoughts and emotions. With powerful real-life examples and lessons learned from survivors and trailblazers, Phoenix Rising is a must-read for anyone seeking to reclaim their power and create a life of joy and fulfilment.

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Author Bio:
Meet Yahia, a sustainability engineer and passionate writer. With a background in engineering and a deep interest in sustainability and environmental issues, Yahia has dedicated his career to finding innovative ways to reduce the environmental impact of industry and improve the sustainability of our planet.

In his role as a sustainability engineer, Yahia works with companies and organizations to design and implement systems and processes that reduce waste, increase efficiency, and minimize the use of resources. He is always seeking new ways to improve sustainability and is constantly learning about the latest technologies and best practices in the field.

When he's not busy working on sustainability projects, Yahia can often be found at his desk, writing. Whether it's writing articles for his blog, working on a creative writing project, or journaling, writing is a big part of Yahia's life and something he is deeply passionate about.

Through his work and writing, Yahia is committed to making a positive impact on the world and inspiring others to do the same. He is constantly seeking new ways to combine his love of writing with his dedication to sustainability and is always open to new opportunities to make a difference.

About Rejected Mates by multiple authors

Secrets, Lies, Betrayals.
Add a dash of danger and a pinch of sin,
Heart-pounding stories are waiting within…

Delve into this steamy, paranormal romance and urban fantasy box set that’s sure to light your Kindle on fire and leave you howling for more. 20+ bestselling authors have joined forces to fill your fantasies with sexy alpha males and strong, kickass heroines rejecting their mates and their fates.

Will these shifters, vampires, demons, and fae find love again?
Or will their hearts and souls remain shattered…

Forever?

You’ll be dying to read just one more chapter of these M/F and RH stories long into the night. Don’t miss this sinfully delicious collection!

Pre-order today for only 99 cents at: https://bit.ly/3InUTUF (and request your free pre-order gifts)

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Author Bio:
The amazing authors included in this collection are: Bella Forrest, Rebecca Hamilton, Kathrin Hutson, Sofia Storm, Eliza Gayle, Veronica Shade, Brenda Trim, Skye Alder, D.E. Chapman, Rebekah R. Ganiere, Ashley C. Harris, A.G. Harris, Brantwijn Serrah, Stephanie Mirro, Aliyah Burke, Jennifer Laslie, Julie L. Kramer, Krysta Fox, Lily Winter, Sapphire Winters, Kyrii Rayne, Dania Voss, Missy De Graff, Cassidy K. O'Connor, Willow Claire, Brea Viragh, Candace Sams, Verika Sloane, and Elena Forest