Credit After Bankruptcy: A Step-By-Step Action Plan to Quick and Lasting Recovery after Personal Bankruptcy Reviews
Credit After Bankruptcy: A Step-By-Step Action Plan to Quick and Lasting Recovery after Personal Bankruptcy
A step-by-step action plan to quick and lasting recovery after personal bankruptcy. Indexed.
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The Credit Repair Handbook: Everything You Need to Know to Maintain, Rebuild, and Protect Your Credit
Every year, millions of people find themselves in a financial predicament—unable to qualify for a mortgage or a school loan, get hired for a job, or realize their family’s financial and life goals—all because they have poor credit due to medical bills, overspending, or identity theft. Others are faced with lower credit limits and higher fees and interest rates, which can compound already difficult financial situations. In The Credit Repair Handbook, trusted consumer debt and bankruptcy
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Review by GAD for Credit After Bankruptcy: A Step-By-Step Action Plan to Quick and Lasting Recovery after Personal Bankruptcy
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After my husband & I filed bankruptcy a few months ago, we received an “invitation” to Snyder’s free seminar, promising information on avoiding predatory lenders, improving credit scores, etc. I RSVP’d for both of us to attend the seminar, then came to Amazon to check out the book (also mentioned in the seminar flyer) I read every review and frankly was astounded by the sheer emotion of the reviews! People either love this guy. Or they hate him.So I was intrigued. Having earned my living analyzing and teaching literature (until massive illness kept me from working for several years–thus our bankruptcy), I thought this would be an interesting project. I reviewed most of the post-bankruptcy books in the Seattle Library System. And I read this book, which does have the notorious “Church” chapter that advises getting in touch with God, going to church, and giving a larger chunk of money than most of us can afford to your church. Having read this, I admit, I was also was pretty worried that the seminar would be a “Come to Jesus” convention, in which my husband and I had absolutely no interest. But my husband is a good sport; so we went anyhow. (We sat by a door, just in case we decided to leave) To be on the safe side, I read the whole book BEFORE attending the seminar, so that my views of the book weren’t affected by the seminar (good or bad).I realize that unlike many books, Snyder’s is difficult to review without discussing the seminar that accompanies it for many readers. Here’s my analysis:
1. The book, standing alone, is good. It’s not great. It’s not bad. Snyder simplified assertions (like never using “bancs” with a “c,” only banks with a “k,”) seem pretty ridiculous on the surface. His underlying idea, try to stay away from finance companies, and try to borrow only from mainstream lenders, is sound. “Bank vs. banc” is simple and easy to remember. But there are certainly numerous exceptions. Clever, but not great writing. Most of us know, by now, that we’ll probably need to get secured credit cards, but Snyder’s list of questions to ask before you even fill out an application is useful. If your new Visa is reported to the credit bureaus as “secured,” that’s kind of defeating the whole point. This book contains numerous tidbits of information that, if you’re new to this credit-rebuilding game, could be beneficial. Yes, as several prior reviewers have said, most of the information in Snyder’s book can be found for free if you take the time to research the Internet or your local public library. And if you’re one of those people who likes to surf around and spend hours reading your monitor, then yeah, none of the bankruptcy books are going to tell you anything new. But many of us are busy, and perhaps, honestly, with a bit of soul-searching, some of us might admit to having been a bit sloppy with our finances. Printing up a ton of Internet webpages seems like a great idea at the time, but will you really read them, organize and refer to them in the future? Maybe a bound book (this or another like it) that you can keep on your desk or nightstand to refer to, isn’t such a bad idea. 2. The book, if you’ve attended the seminar, is great to supplement the seminar, as a refresher (to read a few weeks/months after the seminar) and as a resource guide.Coordinated with the book, Snyder’s seminar is quite good. He provides information that is not in his book (2nd edition in the works?). Yes, he has a “Church Speech” (which lasted about 5-7 minutes). He even provided an 800 number for a non-denominational national Bible study group. I thought that was a bit much. But included in the Church Speech were two points that I thought were valid 1. Forgive yourself. You declared bankruptcy. It’s not the end of the world. You’re not a bad person. Forgive yourself. 2. Learn to give some money away. It doesn’t have to be to a church. Choose a charity. Any charity. Good things come back to those who give. Snyder himself is a dynamic speaker, although he can be smug (his references to his personal banker reveals that his book/seminar circuit is million-dollar venture, only 9 years after his own bankruptcy.) The seminar also included local lenders and experts who have programs specifically for those who have filed for bankruptcy (These “sponsors” pay for the seminar, so that it’s free to attendees, including parking). The lenders seemed helpful but not pushy. If you buy the book, you can mail in a request for lender information, even if you have not attended a seminar. Even my husband thought the seminar was worth four hours of a Saturday morning. Conclusion: Snyder isn’t the Savior some of the other reviewers think/profess he is. Nor does he deserve the venom from some of the others. It’s a decent book. Skip the Church chapter if you’re so inclined (and the church paragraphs which pop up here & there). I couldn’t find any excellent books on life after bankruptcy. This about as good a book as you’ll get on the topic, for now. As our numbers grow (unfortunately), there will be more (hopefully better) books published on the topic. And it’s clear that Snyder’s making a lucrative career out of advising the BK crowd, and is establishing connections along the way. I wouldn’t be surprised if he writes another book, or cuts a 2nd edition of this one soon. In the interim, this one is pretty good…
Review by Brian for Credit After Bankruptcy: A Step-By-Step Action Plan to Quick and Lasting Recovery after Personal Bankruptcy
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I’m a mortgage loan officer, and I recommend Mr. Snyder’s book to my customers who DON’T qualify for loans because it’s the on ramp for the fast lane to good credit. You need to have, use, and maintain credit to build wealth. Unfortunately, re-establishing credit after a bankruptcy filing is easy, but doing it the right way isn’t. Mr. Snyder’s advice and explanations about the credit system, secured credit cards, installment loans, types of revolving accounts to avoid, etc are all dead on target. This book explains the pitfalls, loan sharks and sleazeballs who try to take advantage of people at the end of their rope. If you filed bankruptcy, this is the book for you. Other books on this topic, like Ms. Langguth-Ryan’s, actually advise you to things that are detrimental to an improved score.As for the religious section that another reviewer complained about: It’s short. I’m a catholic, and the Christian fundamentalist bible study Mr. Snyder recommends would make me uncomfortable. But I do think he has every right to suggest that morality has a role to play in building your fortune, and to tell you that learning ethical and moral standards through his faith tradition was a part of his financial recovery. You can take it or leave it, or do what I did and adjust it to meet your personal beliefs. Most people end up in bankruptcy (not all, most) because they made poor financial and life decisions. If Mr. Snyder didn’t share how he changed his financial situation by changing his life habits, he’d be dishonest. Get the book. And don’t waste your time with others.
Review by seaside dreamer for Credit After Bankruptcy: A Step-By-Step Action Plan to Quick and Lasting Recovery after Personal Bankruptcy
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Our Chapter 7 discharged in Oct. 2002. We got an informational mailing regarding the credit after bankruptcy seminar but couldn’t attend so I bought the book. Best $30 I ever spent. I immediately applied for a First Premier Bank Credit card (which shows as unsecured on your credit report), never missed a payment and kept my balance low. Then applied for a small $1500 auto loan at my credit union,with a co-signer. In the summer of 2003 we went to Ford Dealership and bought our first brand new car 2003 Ford Focus! In December 2003 we purchased our first home! In 2004 I bought a 1999 Mustang Convertable. Since then we have also opened two other credit card accounts. Orchard Bank is a good one. The book gives you great information and resources to turn a bad situation into a good one. Although I did not get to lease a vehicle through Ford and had a higher interest rate than what the book said I would get, I was still by far extremely happy because I would have never gotten as far as I did without it! And the breif time he talks about God, well, I thought that was a blessing and has a good message. Of course I believe in God. And if you don’t, get over it. The world doesn’t revolve around you. (Not to be rude but…) Point made. It’s a great book. For those of us imperfect people who have totally screwed up our finances and would like a second chance to prove that we can get it right this book offers sound advice. I confess I have strayed from it a bit and tried to apply for too many in too short a period and it lowered my credit score and caused me more harm, so beware…take it slow and in two years you can be back on track, in a new home, in a new car, just follow the great advice that is offered. You’ll be glad you did!
We are now looking to by an investment property (2 1/2 years after our chapter 7 bk)! I am greatful to Stephen for writing the book! And if he is making bank, more power to him. He certainly did me a service. He should be paid for it.
Review by for Credit After Bankruptcy: A Step-By-Step Action Plan to Quick and Lasting Recovery after Personal Bankruptcy
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Hello to all. Very discouraged at what some readers thought about the book. I attended the seminar last April and has since then re-established credit within 8 months after filing bk 1 year ago. His book isn’t the greatest, but it’s not the worse. I do not think that there is any single book out there that will give you all the answers that you seek. I do agree that you can find some info online, but just to hear about another person’s experience helps a lot. For those of you who do not believe in any spirtual being, the part about tithing is that when you help others, you help yourself. You cannot receive unless you give. Also the comment about the “wife” thing. He does not look down upon women, but instead encourages the man to listen more to what his wife is telling him, simply people try and think out of the box sometimes.
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My husband and I attended the seminar this year and were amazed at the whole thing.
Mr Snyder stands on his principles and that’s what makes him a great example for us to follow.
I especially like the “listen to your wife portion” of the seminar.
We took advantage of almost everything offered at the seminar and we still receive emails and phone calls to help us along!
It’s 5 months later and we were able to get credit from a company who’d turned us down TWICE in this same year!
I say, go, give it a chance.
P&T
Review by R. Johnson for The Credit Repair Handbook: Everything You Need to Know to Maintain, Rebuild, and Protect Your Credit
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I initially purchased this book after reading about it in the USA Today. John Ventura, an attorney with nearly 30 years of practice, wrote this book in plain English and broke down the art of credit repair to the basic components.
I knew little to nothing about my credit score. I couldn’t make any sense of my credit history. I had no idea if I had “good credit” or “bad credit.” All I knew is that I could not get a loan. But why?
Ventura’s book explains the process of building credit, correcting problems in your credit history, starting new, and avoiding future problems.
My problem? I had not built enough credit. Even so, I learned a great deal about the value of protecting against identity theft and even how to rebuild my credit if I encounter serious financial troubles.
This is a must read for anyone. Whether you have never owned a single credit card, or you have thousands in debt, this book breaks down the problems and explains the solutions. This book really tells you everything you need to know!!!
Review by Kaylee T. Milanowski for The Credit Repair Handbook: Everything You Need to Know to Maintain, Rebuild, and Protect Your Credit
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After years of struggling with bad credit I finally found my savior, The Credit Handbook! It also helped me repair the damage from when my identity was stolen. Thanks to The Credit Handbook, I no longer live in a desperate sea of debt and I am currently in the process of buying my first house!
Review by Midwest Book Review for The Credit Repair Handbook: Everything You Need to Know to Maintain, Rebuild, and Protect Your Credit
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The ability to borrow money at reasonable rates of interest is a critically important aspect of personal finance and fiscal well-being. Millions of people, ever year, find themselves blocked from pursuing their personal financial goals because of a bad credit history resulting in low credit scores. This can handicap them in many unexpected ways including being denied a job or being turned down for insurance. A bad credit record occur through the non-payment of debt, but also from such unforeseen circumstances as being the victim of an identity theft, divorce, medical bills, and job loss. A bankruptcy attorney and Director of the Texas Consumer Complain Center at the University of Houston Law School, John Ventura writes with a very special expertise as he offers the reader germane and accessible information and advice for understanding what a credit history is and how it affects people; how to correct problems in a credit history; how to qualify for new credit after experiencing severe financial difficulty; how to raise a credit score; the imperative necessity of avoiding credit-repair scams; as well as how to protect against identity theft and minimize its effect. Of special note is what Ventura has to advise about avoiding future money trouble. Practical, ‘user friendly’, comprehensive, and immediately applicable, “The Credit Repair Handbook” should be considered a critically important instructional reference for anyone having difficulty with their own credit history — and a fundamentally necessary addition to all community library Money & Finance reference collections.
Review by E for The Credit Repair Handbook: Everything You Need to Know to Maintain, Rebuild, and Protect Your Credit
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The Credit Repair Handbook: Everything You Need to Know to Maintain, Rebuild, and Protect Your Credit was incredibly helpful to me and such a great price!
I am a student about to graduate with tons of debt and was looking for a little help. This book showed me how to balance my debts and build my credit. Mr. Ventura really explained the credit building process to me in a way I could easily understand and also apply. The solutions are things I can actually do!
This is a book I recommend to anyone no matter their debt situation. I love having this book in my house to use as a reference, whenever I need answers. I also really enjoyed Beating the Paycheck to Paycheck Blues by John Ventura. Both are MUST haves!
Review by dragonlord for The Credit Repair Handbook: Everything You Need to Know to Maintain, Rebuild, and Protect Your Credit
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This is for basic beginners, but if you have serious credit issues then this will not help you.