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  • High Credit Score Secrets: The Smart Raise and Repair Guide to Excellent Credit

  • Improve Financial Literacy with Planning, Management, and Intelligence - Enjoy Freedom & Independence
  • By: Thomas Herold
  • Narrated by: Madison Niederhauser
  • Length: 6 hrs and 31 mins
  • Unabridged Audiobook
  • Categories: Money & Finance, Personal Finance
  • 4.1 out of 5 stars (12 ratings)

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Summary

Poor Credit Score Could Cost You Hundreds of Thousands of Dollars

A recent financial statistic revealed that increasing your score from "fair" to "good" saves you an average of $86,200 over a lifetime. Imagine what you could do with that extra money?

Improve Your Credit Score in 45-60 Days or Even Less

This practical credit compendium starts off by demonstrating over 50 guaranteed methods of how you can almost immediately boost your credit score. Follow these simple, effective and proven strategies to improve your credit score from as low as 450 points to over 810. Understand the tactics to build excellent credit for yourself and how to guard that good score for a lifetime.

A good credit score is essential if you want to achieve financial freedom. This book shows exactly you how to get there and see results quickly.

The Only Credit Book You Ever Need

  • The startling benefits of good credit you never realized
  • Quick start guide with over 50 tested methods
  • Understand how your credit score is calculated
  • Straight-forward ways to build good credit fast
  • Step by step advice on how to repair your credit yourself
  • Best credit repair services and how to work with them
  • How to keep your good credit and protect it for a lifetime

Understand the exact mathematical algorithm that all three major credit bureaus use to calculate your credit score. Learn what actions you can take to improve your credit score and what behavior will demote it.

High Credit Score Secrets Reveals:

  • How to get free credit reports and monitoring services
  • Learn exactly what boosts and what lowers your credit score
  • Includes print-ready dispute letters to correspond with the credit bureaus
  • How to remove negative items with the section 609 credit repair
  • Most proven and effective ways to raise your credit score
  • Step-by-step process to settling your debts forever
  • How to safeguard your credit and become protected from identity theft

Use simple and easy-to-follow instructions on how to handle credit bureaus if they refuse to remove inaccurate, unverifiable and questionable information. Learn about the recent consumer-friendly reforms in lending, credit score calculation, and credit bureau behavior.

Do It Yourself Smart Credit Repair

Reveals the exact methods that the credit bureaus don't want you to know. Apply the simple step-by-step process the experts use to delete all derogatory items from your credit reports. Bankruptcies, late payments, repossession, collections, judgments, liens, etc.

Start Saving Money - Improve Your Credit Score Now

Imagine being pre-qualified for your dream home, the car you always wanted, the lowest interest on any loan, and credit cards with zero interest rates over long periods of time.

Don’t let bad credit hold you back from achieving financial freedom. Your credit score not only influences all your future choices, but it also can save you thousands of dollars. In today's financial driven world it is the most critical decision to keep educating yourself.

Free Bonus - Includes lifetime access to premium credit simulator!

This amazing tool provides you with an estimated score, so you know what to expect before you take action. Explore actions like raising the limits on your cards, applying for new credit or extending your streak of on-time payments.

PLEASE NOTE: When you purchase this title, the accompanying PDF will be available in your Audible Library along with the audio.

©2019 Thomas Herold (P)2020 Thomas Herold

What listeners say about High Credit Score Secrets: The Smart Raise and Repair Guide to Excellent Credit

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Can't wait to put into action.

Just a few chapters in but already found it very informative and practical. Written so anyone, from any educational level and any vocation can understand. Really can't wait to put into action.

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Score went up Already!

Excellent, concise, professional, strait-to-the-point book to help you get an accurate credit report. My hats off to author Thomas Herold for the expert knowledge, wisdom, and tips he so generously shares in his work. Thank you Thomas! Before getting this audiobook, I was on my third round of letters to the bureaus to no avail, over the most blatant and ridiculous errors. I had ordered two other books, but frankly, they were so vague and drivel-laden, I didn't know what to do. Now I feel equipped to go back in the ring for round four because I have a better understanding of what the FCRA states, and that citizens are indeed entitled to have an accurate, not error-filled credit report or merged file the bureaus refuse to correct. In fact, they are not allowed to refuse. This is exactly the kind of book and material I needed. Very empowering and a blessing. I'll definitely be passing along this info to others who may be getting steam rolled by Goliath like I was. This audiobook is one smooth stone.

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This Is The One You Want.

The book is very detailed on which steps to take to repair your credit. Very easy read, I read the book in one night. My only regret is that I didn't order this book sooner.

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The best money you will spend

I’ve read two other books related to credit restoration and this book is by far the absolute best! From the first chapter to the very last I was hooked and amazed with the informational topics Thomas Herold provided 50 guaranteed methods of how you can almost immediately boost your credit score. This book is my credit bible! I highly recommend it.

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Easy to do yourself

The instructor was great. He was quite knowledgeable and was easy to follow along. All of his tips and strategies were reasonable and relatively simple to follow/do. The course has taught me a lot to fix my own credit scores.

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Gotta try it to succeed

Spot on advice on techniques to improve your credit score. Herold shows what goes on with your credit score and how you can improve it. He also includes guidance on things not to do that will lower your score. There are definitely surprises in there - like that your credit score can impact your insurance rates. Most of the book is what many might consider common sense. But since common sense isn't quite so common, this book puts it all together in an easy to read format that includes action steps to take to get you on your way to higher credit scores!

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Learned some valuable information

I found the course to be basic. I knew most of the stuff before. However, I was able to match my prior knowledge with the credit risk framework.

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Listen and Learn

I was debating what book on credit repair to buy. I am SO glad I bought this audiobook. Thomas Herold gives THE insider SECRETS that I needed to know. I didn't know most of the information he shares in the book. He knows the secrets because she worked in that industry for years! The book is well written and gives exact instructions on what to do, when to do it and who to contact to build your credit so you can get the best rates for loans and insurance. Good credit is essential to make it financially in life! She offers well-tested solutions plus gives encouragement and inspiration as you read the book. Plus, I had a question and wrote the author an email. He got back to me the SAME day! I HIGHLY RECOMMEND THIS BOOK! Thank you, Herold, for sharing your secrets and helping me so much!

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This is the true definition of the credit bible.

I own a credit repair company and the information in this book is very valuable to anyone who wants to get credit approvals. This book is pure amazing!! I purchase it to repair my credit after filing bankruptcy, and I’ve learned so much that I’ve decided to open my own credit repair company!! Thanks for putting this together Herold!

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I do like the book so far

Just beginning the book and the instructor gets right to the point. I like that parts of the book constitute “guides” within the larger work. So there are sections (which you should bookmark) on “Strategies to Repay your Debt,” “How to Read, Review, and Understand your Credit Report,” “The Top Ten Strategies to Build Good Credit,” “Handling Identity Theft Effectively,” and “Protecting your Credit from Student Loan Debt.” The evidence presented is profound. Can’t wait to apply this knowledge and see what happens to my score in 60 days.

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  • anna
  • 18-03-20

Look no further

Like most people I was hesitant at first but I can't argue with the results. This book was a tremendous help in starting to repair my credit. I had a derogatory mark on my report that I had already planned on paying $500 to have the account "paid in full" but would still show up on my report as a negative. Before I sent my payment I purchased the book, found my situation, mailed the appropriate letter, and a month later the negative mark was removed from my credit report and stayed off without me having to pay anything. I saved $500 dollars! That alone was worth me getting this book. I still have a long way to go but I look forward to seeing what else I cant do. If you're unsure about buying this book, I can tell you its well worth it. I thought I could just google everything I needed to know about fixing my credit score, but the insight and knowledge she give is second to none and the information is put together to easily understand.

4 people found this helpful

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  • Tashya Harris
  • 04-05-20

LOVED IT

I absolutely loved it. Very informative and I love the resources provided as well as how he breaks down the best credit cards as well as listing so many other things. Great book. Glad I purchased it. The narrator also didn't put me to sleep which was nice.

3 people found this helpful

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  • Joshua Cortez
  • 06-06-20

very repetitive, but has good information

The book answered some questions I always had about credit. In particular, regarding credit utilization. This book seems more geared towards people who have poor or okay credit.

2 people found this helpful

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  • Clara Pappas
  • 18-03-20

PLEASE BUY THIS BOOK!!!

IT WAS A COMPLETELY NEW EXPERIENCE AS I WAS LEARNING ONLINE FOR THE FIRST TIME. EVERYTHING WAS TAUGHT FROM THE SCRATCH WHICH I PERSONALLY LIKED A LOT. THE TRAINER WAS ALSO FLUENT , AND GOOD WITH THE COMMUNICATION.

2 people found this helpful

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  • Matthew Nelson
  • 18-03-20

Really does work!!

So far very, very, very basic information. Not necessarily what I am looking for but detailed and accurate. I am hopeful more detail will be shed as the course progresses

2 people found this helpful

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  • Sara Page
  • 18-03-20

GUIDANCE FOR THE FUTURE

High Credit Score Secrets works as a reference for credit handling issues that impact your credit score. It is a handy educational tool for understanding credit management, credit scoring, and how it all works to your advantage or detriment in current financial life. I highly recommend it as an essential part of your financial toolbox.
I have been personally dealing with credit, credit cards, loans and mortgages for many years. The concepts in High Credit Score Secrets rang many bells for me, making sense of a number of credit experiences in my life. I see that I’ve been both lucky and remiss at times. I think now, having read this book, I can handle things better. And if you take Mr. Herold’s advice to heart, so can you

2 people found this helpful

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  • Clifford
  • 18-03-20

Credit Score Power

I have listened this book in two days. It is excellent, brief and to the point. Really, I thought I knew all the tricks of the trade, but I treally didn't and now I do. This book will you fill you with ootimism to take your power back and get back to a place where you were or want to be financially. Take your power back and get the book

2 people found this helpful

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  • Anonymous User
  • 14-03-20

my thoughts

This book is a good read for those looking to educate themselves on responsible use of credit and ways in which to build/rebuild their personal credit history.

Most of what Thomas Herald writes about should be considered, common sense ideas about finance, unfortunately, since the 70's most of this has been left out of traditional school education. One has to go to university and study in financial to get knowledge in these areas or find authors, like Thomas Herald,on their own to study from. most people in today's society, however, wait until they have made the grave miscalculation with their finances before they try educate themselves.

books like these should be a must read within the education system.

The narrator was a bit monotone but still brought understanding to the material.

2 people found this helpful

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  • Delores
  • 15-04-20

Worth the try !

Great information, I like that he gives PDF along with audio as well. He is honest and doesn't sugar coat it. Highly recommended to anyone who has tried or thought about repairing your credit.

1 person found this helpful

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  • Goldsmith
  • 11-04-20

Have fun!

This book is written in a style that is very easy to read and understand. He gets right to the point and offers a lot of hints and instructions concerning credit repair and maintenance that most of us don't even think about! He also teaches you about the credit union; who they are, what they are, what they're all about, and why it's so important to know these things! As it turns out, these seemingly little things are big things in the overall picture, and can really make a difference with one's credit report both immediately and in their future. He clears up the fog and mystery of credit reports, scores and credit unions. I haven't finished the book yet as I've had some pressing things that needed attention first, but I'm looking forward to getting back to it. I've already shared a lot of the things I've learned so far, and applied what I've learned. In just two months my credit score has gone up 160 points! I definitely recommend this audio book for anyone who wants to get stuff off their credit reports, and raise their credit scores quickly and effectively.

1 person found this helpful