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Give Me Back My Credit! | 
 enlarge | Author: Denise Richardson
Publisher: Spokenbooks Publishing
Category: Book
Buy New: $26.95
New (2) from $26.95
Rating:  10 reviews
Media: Audio CD
Edition: Com/Bklt
Shipping Weight (lbs): 0.5
Dimensions (in): 5.6 x 5.1 x 1
ISBN: 1600310117
Dewey Decimal Number: 332.743
EAN: 9781600310119
Publication Date: January 4, 2007
Shipping: Eligible for Super Saver Shipping
Availability: Usually ships in 24 hours
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Product Description
This 6-CD audio book is an amazing and powerful first hand accounting of credit identity theft, and is a vital tool towards understanding what we are all up against in our current age of data collection and unchecked usage. The author, Denise Richardson, paid a little extra on her mortgage each month, hoping to shorten the length of her mortgage and pay less interest charges. That simple, recommended practice catapulted her into a decade of epic David vs. Goliath battles, stealing her true credit identity and 10 years of her life. After reclaiming her good name-briefly, she realized others were shredding her credit, thus stealing another five years of her life. Denise paints a human face on the insidious effects of Identity theft, inaccurate credit reporting and loan servicing fraud while offering chapter lessons that provide knowledgeable tips to help prevent becoming a victim of a system gone terribly wrong. This book will show you the errors and dangers of certain conventional wisdoms, allowing you to steer clear of gut wrenching financial problems.
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| Customer Reviews:
Showing reviews 1-5 of 10
The best book about surviving dishonest banks and credit companies September 27, 2009
James L. Thompson (Scottsdale, AZ USA)
This is a spectacular book and I recommend it to everyone. There are very few books that help the general public to navigate the rough seas of credit reporting companies and agencies. Anyone who has been victimized by these companies will find familiar territory in the author's experiences, and will gain insights and proven remedies for dealing with the harshness of their reality. Thank you Denise!
Want to keep your credit report accurate? Then READ THIS BOOK! April 23, 2008
Mark Enderle (Covington, OH)
2 out of 2 found this review helpful
I have been in the finance and credit field since 1993. In this time, I have reviewed over 4,000 credit reports, and have seen hundreds of credit reports with major errors on them. Trust me, major errors on credit reports are a very common occurrence.
Denise Richardson's story is an absolute nightmare. You can read the summary of what happened elsewhere here, so I need not recap it. But her story is absolutely compelling, and frightening, and you will get angry at the following when reading the book: large bank practices; collections agencies; the three major credit bureaus, the attorneys for huge multi-billion dollar corporations; our judicial system; and our Congress and regulators who are supposed to be protecting us, but instead are protecting the large corporations who are funding their campaigns and often actually writing the consumer laws and the federal regulations.
You won't be pleased about how the credit system works in this country after reading this book, but that in my view is a good thing. With knowledge comes truth, and with truth, comes power. Once you have a much better understanding how this system works (or doesn't work) by reading Denise's story, you will know how to protect yourself from a similar fate. The nightmare of incorrect and damaging errors showing up and staying on credit reports doesn't just happen to a few individuals like Denise...it happens to tens of millions of Americans.
Denise has a number of tips on how to protect yourself from credit errors. Two important ones are: Monitor your monthly payments to all major accounts, especially your mortgage, and monitor your own credit reports on a regular basis to make sure that errors are not being reported. (A personal note - after reading this book, I contacted my mortgage bank, and will now start monitoring my mortgage payments online. We have never received a monthly mortgage payment statement either.)
I mostly read this book looking at it from a credit standpoint, because that is the field I am in. However, this is a well told and inspiring story that moved me on a human level; of one woman who took on the giants of industry, and won. The toll it took on her life was immense, but she did not give up. I have a lot of respect for her. She fought a lot of battles in this book, and did not win them all. But in the end, she won the war.
Again, I highly recommend this book. You will be moved by Denise's story, and you will also learn steps you can take to protect your own good credit.
This book is a must for anyone who uses credit, which is everyone. January 30, 2008
P. O'Reilly-Green (california)
1 out of 1 found this review helpful
Denise's story requires a strong stomach; I had to put it down at times just to let myself settle down after reading the nightmare she went through. This book gives you the tools to monitor your credit health and to be aware of the steps to take to maintain it. Highly recommended.
She's a fighter! April 25, 2007
barbara silkstone
1 out of 1 found this review helpful
Denise's story is shaking up the credit industry. In clear, concise and honest language she tells her painfully true story of what can and does happen to honest and innocent people. I am buying copies of GIVE ME BACK MY CREDIT for all my friends...especially students being offered unsolicited credit. An excellent, compelling read.
THE IWO JIMA AGAINST CORPORATE GIANTS March 22, 2007
Soapsuds (El Paso, TX USA)
3 out of 3 found this review helpful
Author Denise Richardson and I decided to exchange our literary works. I sent her my novel "The Kids on the Block," and Denise sent me hers; "Give Me Back My Credit." Even though "The Kids on the Block has some sad parts, for the most part it is humorous and hilariously funny. Denise's true story is, on the other hand, tragic, nightmarish and bloodcurdling to say the least. I do not expect Denise to have much humor left after what she went through in fighting an arrogant, error-plagued, contemptuous Mortgage Bank and the three national credit bureaus.
Denise is the Iwo Jima against corporate giant's who, not only ruined her credit, but made her life worse than a living hell.
If you are like me and feel safe and confident since your credit score is above the 700's do not be too complacent and seat on your recliner thinking all is good and well. I jumped out of my seat after reading the first two chapters!
In author Denise Richardson's book "Give Me Back My Credit" she tells how her nightmare and living hell began. She, too, thought and felt safe and confident that everything about her mortgage on the home she owned was better than best. She made it a point to make extra payments to the principal of the mortgage loan, and of course, her credit rating was excellent as well.
Years later Denise decided to refinance her home. Much to her astounding surprise, she finds out the Mortgage lender had made many dreadful, inexcusable accounting errors on her mortgage loan. The lender never credited the extra mortgage payment to the principal of the mortgage loan.
The mortgage lender had not only been misapplying those extra payments, but was using her money to their benefit. After she found out the inexcusable mistake the lender had been making for years, the mortgage lender refused to correct their accounting errors. Denise's nightmare and living hell began.
From face-to-face battles against the corporate giants to inefficient attorneys and courtroom dramas the fight to regain, restore and have the errors corrected by the Mortgage lender only compounded into a bigger nightmare. From there it spread like a cancerous disease to the three national credit bureaus of Experian, Trans Union and Equifax.
This is a story the reader will not forget. The reader will learn from it and, sadly to say, from Denise's nightmare.
I didn't think I needed to read "Give Me Back My Credit;" I was wrong! I hope the book finds its way to the halls of high school and college administrators and make the book required reading for all students.
If you feel you don't need to read her book, you, too, will be wrong.
Showing reviews 1-5 of 10
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