• 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
  • Categories: Money & Finance, Personal Finance
  • 4.9 out of 5 stars (78 ratings)

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Publisher's 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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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.

3 people found this helpful

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    5 out of 5 stars

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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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.

2 people found this helpful

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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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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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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

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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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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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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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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

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  • Samuel Thorpe
  • 04-15-20

Easy to understand process

One of the best books that I've came across. This book gives you everything that you need to do self credit repair. Save your money if you are thinking about paying someone money to repair your credit. Repair your own with this book. Well worth the money.

1 person found this helpful

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  • Rosie Newman
  • 04-14-20

90pts increase on first go around

This book is filled with everything you need to start building and rebuilding your credit. Its never too late and its 100% legal. Just follow the step by step instructions and you should be fine. Great book If you need credit repair this is the book to get! The tools in this book work! I had multiple address and had them removed my credit went up 27 points just from having address removed.

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  • Victoria Riley
  • 04-15-20

Easy peasy

This book extremely helpful very educating to the credit system things I never knew I am 34 and my credit is not great and it takes a toll on life not being able to do or get anything in life a denial it hurts but I think this book just gave me hope and light at the end of the tunnel FINALLY Thank You I highly recommend to anyone who needs financial guidance

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  • Taylor John
  • 04-15-20

HUGE SIGN OF RELIEF

I LOVED this book as it was enlightening. I walked away feeling like a GIANT having a better understanding of my credit and credit in general. This book has empowered me to do the work of credit restoration.

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  • Nathan Rowley
  • 04-15-20

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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  • Freddie Faulkner
  • 04-15-20

Learn something new

I liked it so much. will read it two times. Thomas Herold gave me good insight of what takes place inside the credit bureau. The valuable tips and inspiration that this book offers is exceptional. I highly recommend this book to those struggling with credit issues. Thank You

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  • Lucy Fowler
  • 04-15-20

Thank You FOR SHARING THIS KNOWLEDGE

I read this book from cover to cover in one day!!! Let me rephrase in 6 hours....that's how powerful the information was within the chapters. Herold has given me the tools I need to successfully proceed as a Credit Repair Specialist and as a credit consumer. Great insight and truths on the credit world. I recommend this book to professionals and consumers. Great Buy.

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  • Sean Baker
  • 04-15-20

Powerful Audiobook

This product has been extremely beneficial in helping me repair my credit. I haven’t gotten through all the steps yet but I’ve sent off for my initial reports. It’s very informative and gives you step by step information. I’ll try to update after a few months and see how results are.

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  • Eve Howell
  • 04-14-20

Hope it works, sounds great

This was the first book that "called me" while looking for a book to repair my credit situation. This DIY style book was as informative as any consultant could've been in person . The information and forms Thomas Herold provides make it easy for anyone to take on the project of credit repair through high credit score secrets.

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  • Bonnie Sutton
  • 04-11-20

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.