Maintaining good credit is an essential ingredient in the recipe for financial wellness. Individuals with good credit may enjoy access to more credit products, including loans, lines of credit, and credit cards, at rates more favorable than those offered to individuals with bad credit.
But people with bad credit need not worry. Through proper planning and responsible financial management, you can take steps to get your credit where you want it to be. First, it helps to understand what credit is.
Whether you’re new to learning about credit or have been studying ways to improve your credit for some time, this list of the 10 best credit repair books can help you improve your knowledge.
“Debt Free For Life” by David Bach
#1 Book for Lifestyle Changes
David Bach is a bestselling author and financial coach. He offers practical financial advice that helps enable people to live their best financial lives.
When not busy writing, David fills his calendar with speaking engagements where he expounds on the benefits of sound money management.
Why We Love “Debt Free For Life”
One of the few constants in life is that it changes. In “Debt Free For Life,” David covers financial strategies applicable to individuals experiencing prosperity, hardship, and times of relative normality.
“Debt Free For Life” helps readers understand the nuances of debt and how to approach debt in different stages of life.
“Credit Repair Secrets” by Daniel Rosen
#1 Book for Credit Disputes
Daniel Rosen’s credit advice comes from experience. In the early 2000s, Daniel had bad credit. His efforts to improve his credit served as the foundation for a career focused on helping others uncover the secrets of credit repair.
Daniel also guides entrepreneurs seeking to help others overcome credit obstacles.
Why We Love “Credit Repair Secrets”
Writing an effective credit dispute letter can be challenging. Individuals who need to dispute their credit will appreciate “Credit Repair Secrets” for including sample credit dispute letters in its pages.
Readers can use the book’s sample letters to learn how credit disputes work and craft letters of their own.
“Color My Credit” by Alisa Glutz
#1 Book for Demystifying Credit
Early in her career, Alisa Glutz worked in Hollywood as an Executive at HBO. Her passion for demystifying credit for the masses led her to pivot her profession.
Alisa’s insights into repairing credit are suitable for individuals of all ages, regardless of where they are in their journey to financial wellness.
Why We Love “Color My Credit”
The subject of credit can be a dry topic. Alisa draws on her background in the entertainment industry to make learning about credit fun.
Alisa intends for readers to take the book’s title literally. Readers will be encouraged to break out their crayons and color different sections of their credit reports to better understand them.
“High Credit Score Secrets” by Thomas Herold
#1 Book for Achieving Elite Credit Scores
Thomas Herold has written 48 books, three of which became Amazon bestsellers. In “High Credit Score Secrets,” Thomas not only helps readers repair their credit, he teaches them how to grow and keep their credit scores above 750.
The book also discusses changes to how credit-scoring companies calculate credit scores.
Why We Love “High Credit Score Secrets”
A good credit score is vital to achieving financial freedom. In “High Credit Score Secrets,” he reveals more than 50 ways readers can improve their credit.
The book also explains how having a high credit score can help people save money.
“What the FICO: 12 Steps to Repairing Your Credit” by Ash Cash
#1 Book for Step-By-Step Guidance
Ash Cash, who also goes by Ash Cash Exantus on his website, understands money. At just 12 years old, Ash worked as a vendor on the streets of New York City, where he sold mixtapes and T-shirts.
Ash worked in the financial services sector before retiring in his 30s to focus on teaching personal financial education.
Why We Love “What the FICO: 12 Steps to Repairing Your Credit”
As the title implies, “What the FICO: 12 Steps to Repairing Your Credit” provides readers with step-by-step instructions for repairing credit.
The book is suitable for anyone looking for straightforward credit advice, but it’s best suited for those who have encountered challenges or failures in previous attempts to repair their credit.
“Credit Is King” by Will Roundtree
#1 Book for Avoiding Credit Pitfalls
Will Roundtree’s quest to become an expert on personal finance and credit repair was born out of necessity. After moving to Las Vegas, Roundtree’s bad credit and lack of financial knowledge caused him to experience homelessness.
Living out of his car, Roundtree began studying the ins and outs of credit management. He shares his knowledge with readers in “Credit Is King.”
Why We Love “Credit Is King”
“Credit Is King” explains to readers how their credit scores can impact several of life’s milestone moments, including the process of buying a car or house.
Roundtree uses his experience to outline traps that can ensnare people as they seek to build a solid financial foundation and grow their credit.
“Your Score” by Anthony Davenport
#1 Book for Understanding Credit Scores
Anthony Davenport built his credit expertise while working as a loan officer for a few of the largest banks in the U.S. Anthony is the President and CEO of Regal Credit Management, where he works with clients to help them understand how their credit impacts their overall financial health.
Anthony has worked with the NFL to educate football players on sound credit management practices.
Why We Love “Your Score”
Most people don’t know precisely how credit-generating companies calculate credit scores, but Anthony does. Anthony has worked with high-profile clients and middle-class Americans to help them understand the components of credit scores.
In “Your Score,” Anthony gives readers an insider’s perspective on credit scores.
“Get The Hell Out Of Debt” by Erin Skye Kelly
#1 Book for Eliminating Debt
Many financial gurus consider debt consolidation to be a prudent financial maneuver. But Erin Skye Kelly advises consumers to go a step further by eliminating debt altogether.
Erin was working as a mortgage broker when she first discovered how empowering eliminating debt can be. She shares her expertise in her book, which is also offered as an online course.
Why We Love “Get The Hell Out Of Debt”
Erin doesn’t mince words. In “Get The Hell Out Of Debt,” she helps readers learn to change their mindset concerning debt.
After covering how readers can pay off their debt, the book shifts to providing education aimed at helping readers build wealth.
“Keeping Score” by Constance Carter
#1 Book for Prospective Homeowners
Constance Carter is a real estate and mortgage broker who also helps transform peoples’ credit management practices. She has worked with thousands of clients to help them purchase homes and invest in real estate.
Constance understands what it’s like to be in an undesirable financial situation — she once had a credit score of 379.
Why We Love “Keeping Score”
Constance draws from her career to inject a sense of authority and authenticity into “Keeping Score.” As a mortgage broker, she’s witnessed how poor credit practices can prevent people from purchasing the homes of their dreams.
In “Keeping Score,” she provides insights to help prospective homeowners improve their credit.
“Repair Your Credit Like the Pros” by Carolyn Warren
#1 Book for Accessing Credit Consultant Tips
Carolyn Warren worked for more than 20 years in the mortgage industry. During her career, she amassed a wealth of knowledge about credit and effective techniques to repair it.
Carolyn believes that repairing one’s credit can be difficult if not approached in a measured and proven way.
Why We Love “Repair Your Credit Like the Pros”
In “Repair Your Credit Like the Pros,” Carolyn imparts methods that professional credit consultants and attorneys use to repair their credit.
Individuals who follow the steps Carolyn outlines in her book will be well-positioned to repair their credit and achieve financial success.
If you’re interested in repairing your credit but aren’t sure how to get started, don’t despair. Many have been in your situation before and lived to tell about it. A few of them even wrote books to guide others. Instead of carving out a new path to repair your credit, consider following in the time-tested footsteps of credit experts.
This list of credit repair books can help steer you in the direction of financial wellness. We hope you’ve found a book on this list that suits your needs.