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Monday, August 1, 2016

It's Monday, What are You Reading? Friday 56 and Book Beginnings.

Well, ladies and gentlemen, boys and girls, children of all ages, it is time once again for those great memes.

You are absolutely right.  I am talking about, It’s Monday, What Are You Reading, Book Beginnings and, of course, Friday 56. So, let’s get started.

This week’s book is The Ultimate Guide to Credit Repair: A tactical guide to help you make a plan to work on your credit repair, by Ray Norwood.  Now, if that isn’t a mouthful of a title, I have never heard one. 

As I have stated in several blog posts, I read very little in the way of fiction. My kids talk in references to mythology and old novels and I just smile and nod. 

Okay, my first thought when I read this title was, “Here is another one of those books with a title that promises a lot, but does not deliver.

I worked in the collection branch of a local associate of Equifax years ago.  As you all know, there are no “little known facts” to fix your credit.

I am at 32% of this book and, so far, I don’t see any real problems with the book.  So far, it has all been common sense approaches to building and maintaining good credit.  Nothing earth shattering, mind you, just good, solid advice.  So, let’s look at the bookbeginning.

          Financial problems are something most of us will have to manage eventually in life. With the economic difficulties, we are enduring as a globe presently means that for most of us, “sooner” is now. Financial struggles and their resulting impact on person’s credit are quite regular topics of conversations whether you are personally involved in discussing such details yourself, or you are overhearing others trying to brainstorm what to do next to recover from money problems.

Now, we are going to flip over to 56%.  Gee, I hope there are no spoilers there.

Poor financial management is also a determining factor. In so many instances, it is lack of a spending plan that leads to poor cash flow management which then wreaks havoc on the credit score. A lower credit scores compounds the problem because now every purchase requiring financing (credit cards, autos, homes) costs more. Insurance rates and car payments become more expensive and frighteningly, job opportunities can be limited or completely lost.

Again, we see things that you probably already knew. It just helps to be reminded of them from time to time.

So, even though I have not completed this book, I have to give it a fair 3 star rating so far.  As a financial manager, I see nothing yet that is problematic with the book.  That is not the norm for these self-published books on credit repair.  Usually, they offer very little advice.

An update and/or addendum to this post: After having written all of the above, I read a little further in the book.  A little further along it turned into an advertisement for Credit Repair Houston.  I decided to see what all it had to say about Credit Repair Houston.  

After reading that part, the book took another turn.  It was sort of like the book started over.  This time, instead of being an advertisement, it was very much one of those books where the "author" hired someone who does not have English as their primary language actually write the book.  These are the people who write the books that one takes a chance on, then finds out they don't understand what the author is saying.  

So, change my rating of the book from what would have been about a 3 or 4 star rating down to a 1 at best.  Sorry, folks. 

Well, have a great week and we will see you next time. 

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  1. I am not a fan of fiction either. I like memoirs and self-help.

    1. I like to read the biographies of famous people as well as business books.

  2. Sounds like a great resource for those in debt, or in need of credit repair. Happy weekend!

    1. The first part of the book was. It talked about how a person could repair their own credit without the need to hire an outside company. The second part of the book was really just an advertisement for a particular credit repair company. Then, it changed into one of those books that appear to be written by someone who is not firmly rooted in the English Language.

  3. I like to stay informed about credit and finances so you had my attention until I saw your edits saying it went downhill fast. :(

    1. We are constantly doing research in this area since we are working on a course in this area. Thanks for commenting.


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