If bad credit has happened to you, there is something you can do about it.
Feeling broke and battered? We know the feeling-heck, everyone knows it. According to the Wall Street Journal, 110 million Americans have bad credit-almost 50% of the adult population. But we don't have to be depressed or discouraged about it. There is life after bad credit. In fact, there's even life during bad credit.
Living Well with Bad Credit is the right help at the right time. If you're bravely soldiering on despite your finances going south, this informative book is for you. It puts the emphasis on living with bad credit-and living well. Veteran journalist Geoff Williams (AOL' s personal finance blog WalletPop, CNNMoney.com, Bankrate.com) and media powerhouse Chris Balish, an Emmy Award-winning broadcast journalist and author (Living Well Without a Car), have teamed up to bring listeners:
Practical discussion on topics that go beyond finance, such as healing self-esteem and building relationships in spite of bad credit While bad credit can be a setback, it doesn't have to be a roadblock. This expert guide is just the ticket to a better life once again.
©2010 Chris Balish and Geoff Williams (P)2011 Health Communications, Inc. and Goldline Audio
BUT - I don't think it's a good book for someone who is already there.
The book has a lot of good examples and strategies and websites for helping you avoid mistakes, but doesn't do enough in my opinion for those who have already made the mistakes. My credit has gone through a roller coaster over the last few years and is fortunately about where I would like it to be and I can see that the book would have been helpful for me about two or three years ago. However I have many friends who are currently struggling and I didn't see much in the book that they could use in any practical manner. In some regards one could say it's all common sense; but if this was true then more people wouldn't be in the mess they are in today. I particularly like the websites that the book uses and think these are very good references to have - but again, all that information is already out there.
In summary - if you think you are in danger of going into bad credit - READ THIS BOOK! If you're already there, consider this book as it does have some useful references, but don't expect it to fix your situation.
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