Making Common Cents of Credit (ePub)

Financial literacy doesn't happen by magic. As adults, we're expected to make intelligent decisions about budgets, saving for retirement, and credit, but we don't teach these things in schools. Franchesca Ross-Jones is on a mission to change that. Making Common Cents of Credit is the education on credit and credit scores that you wish you had in high school. It explains what your credit score is, how it's calculated, how to get a copy of your credit report, how to read it, and how to challenge any errors you might find. It teaches how to build good credit, how to restore damaged credit, and how to fight back against a credit system that often feels like it's designed to confuse. Making Common Cents of Credit pulls back the curtain to explain how it all works, and provides ready-to-use sample Credit Bureau Dispute Letters and detailed information on the Fair Credit Reporting Act (FCRA) and other laws that are designed to protect consumers. Franchesca Ross-Jones knows first-hand the struggles of a single mother with no financial education. She has taught herself financial literacy and earned a degree in Psychology and Business from Troy University. She is a certified tax professional and a board-certified credit consultant, as well as a member of the Credit Consultants Association. She has built a financial literacy business and mentors other entrepreneurs on how to achieve success and still have a happy balanced life.