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credit ratings Books
by William Fleckenstein, Fred Sheehan
Amazon Price: $14.93
Customer Review: A friend at work turned me on to Fleckenstien's articles during the peaks of the housing bubble, and all along he predicted the housing market crash. The only thing he had wrong was the timing as thought it would happen sooner. This book sheds light on Greenspans role in two ecenomic bubbles and does so with Felckenstien's unique sense of humor. It is tough to make subjects like this interesting, but this book is a good read. Felckenstien predicted both "bubble bursts" in his columns when everyone else was screaming about the next tech stock that was going to take over the world or talking about how "real estate never goes down." If he says the sh-t is going to hit the fan and you are standing in front of the fan, you should probably move.
by Carolyn Warren
Amazon Price: $12.21
Customer Review: This is a great, highly readable and very informative book for anyone looking to buy or refinance a house. The take home message is that your mortgage broker is in the same category as your car salesman, except that your home will cost at least 10 times what your car will cost. You can't afford to go into the process ignorant or you are a sitting duck.
My only caveat is that there are a few missing pieces about how to translate the YSP percentage into the mortgage rate effect - how much, exactly, does a 1% YSP increase your mortgage rate? A little more explanation would clear that up.
In addition, this book badly needs a second edition. It was obviously written either before or just at the start of the recent mortage/foreclosure debacle. She never talks about the effects of the current tight credit market on a consumer's ability to borrow and what fees might be charged and how much you can actually negotiate today. Her FICO scoring categories, for example, are very out of date. Also, I know that there has been some crackdown on the mortgage industry, and some of the practices she mentions may have been actually made illegal, or at least come under more scutiny, but I'm not sure which ones. An update here would help.
Overall, this is a great book. You will get your money's worth and much, much more.
by Liz Pulliam Weston
Amazon Price: $12.91
Customer Review: I send all my customers who don't qualify for a car loan. I have seen some amazing results from these guys in a short amount of time. They are affordable to the kind of customers who would need credit repair in the first place, they charge less than $500 and will get results. Just a heads up from a Sales Manager of a New Car dealership.
by Dana Neal
Amazon Price: $16.50
Customer Review: I bought this book because of all the other excellent reviews... But it is more for BUILDING good credit than repairing it. If you really want to repair your credit, spend some money and get a good attorney to help you.
by Stephen R. Bucci
Amazon Price: $16.49
Customer Review: Steve Bucci has written a must read book about Credit. He does it in a clear helpful manner. I believe that this book could be used for students learning all about the world of Credit.
Having been a Credit Manager at Princeton I found that young people had no concept of what credit is all about. These young people had to learn the subject of Credit the hard way. But had they been in a course where Credit Repair Kit was the textbook, they would have learned all the levels of credit and therefore not suffered the consequences of Bad Credit.
I salute you Steve Bucci for providing the book that will help all folks on the long journey of obtaining good credit.
by Arnaud de Servigny, Olivier Renault
Amazon Price: $50.96
Customer Review: Yes, this is a must have. Written by S&P auther, it is the definitive guide, no question should be asked. cause they are credit king.
Many details on how to measure risk, quantitative methods in detail. Ideas and industry practice all in great detail. I could imagine some quants will use it as a cook book for their project.
overall, well written for easy read. both good for a glance at credit risk and for in depth learning of industry standard.
by Jamaine Burrell
Amazon Price: $21.95
Customer Review: With over twenty-five years experience in the financial services industry. Much of it concumer personal finance education, I have worked with Fair Isaac and teach credit scoring classes. I find too many errors to mention in this book. The author means well but writes as if she is in the banking or mortgage industry, which has too many so-called experts on credit, and so-called knowledge of how a credit report works. Most learn through office memos or banking seminars, which are only half correct and mislead most with half truths.
My point is if you truly want to learn about your credit report and score simply print a copy of the FCRA and the FACTA from the FTC.GOV website. This book is full of half truths and misleads all of it's readers on many points.
EXAMPLE: The book states with a bad credit score an insurance company can deny you insurance. This is a flat our mis-statment and against federal laws. No insurance company will, or can deny anyone insurance of any kind with a low credit score. The insurance company is only allowed to rate your premiums based on your credit information.
There are too many examples to list of where the author in the book misleads you. I know she means well but I feel much of her knowledge is from the office water cooler and not the actual FCRA and FACTA.
Sincerley,
Phillip Day, AFC
by MBA, Lita Epstein
Amazon Price: $10.36
Customer Review: I purchased this book because I educate people on credit scores (mortgage broker) and as looked through this book at the checkout line, there was a lot of information that I had not come across on improving credit. I am reading it so that I can learn some new tips to help people qualify for a lower mortgage rate. It's easy to read and very helpful.
Christine, Sr Loan Officer[...]
by Steve Weisman
Amazon Price: $14.95
Customer Review: Level headed approach to handle a problem that could be desaterous.
The book is easy to read and follow the steps for protection from and recovery of damaged credit.
by Todd Bierman, Nathaniel Wice
Amazon Price: $10.75
Customer Review: This book is fair reading, but there are far better books, not to mention that its a bit outdated in material. My recommedation is buy a different book, but if you must have it will do.
credit ratings Related News Entries:
Denmark's 'AAA' rating affirmed on fiscal discipline, resilient ... - Forbes
Denmark's 'AAA' rating affirmed on fiscal discipline, resilient ...
Forbes, NY - 7 hours ago
MUMBAI (Thomson Financial) - Standard & Poor's Ratings Services said it affirmed its 'AAA' long-term and 'A-1+' short-term sovereign credit ratings on ...
S&P cuts Radian Group's counterparty credit rating CNNMoney.com
Bangladesh's credit rating hangs on tax issues The Daily Star
S&P Downgrades Units Of Three Mortgage Insurers Wall Street Journal Blogs
Kaiser network.org - Marine Log
all 68 news articles
AM Best Affirms US Subsidiaries of QBE, Including the Newly ... - MarketWatch
AM Best Affirms US Subsidiaries of QBE, Including the Newly ...
MarketWatch - 7 hours ago
... implications and affirmed the financial strength ratings (FSR) and issuer credit ratings (ICR) of North Pointe Insurance Company (NPIC) (Southfield, ...
AM Best Upgrades Ratings of American Southern Group; Upgrades and ... MarketWatch
AM Best Removes From Under Review and Affirms Rating of ... MarketWatch
all 89 news articles
AIG Falls to 13-Year Low After Credit Suisse Report (Update4) - Bloomberg
The Associated Press
AIG Falls to 13-Year Low After Credit Suisse Report (Update4)
Bloomberg - Aug 25, 2008
Fitch Ratings, Moody's Investors Service and Standard & Poor's have said AIG's credit ratings may be cut if results don't improve. ...
Sector Snap: Regional bank stocks fall Forbes
AIG down as Credit Suisse predicts quarterly loss MarketWatch
Financials Drag on Market; Dow Falls More Than 240 ABC News
all 87 news articles
If St George has misled Moody's, it should fix it - The Australian
If St George has misled Moody's, it should fix it
The Australian, Australia - 9 hours ago
Whatever, if St George has omitted important qualifications to Moody's remarks about its possible credit ratings then it should clarify the situation. ...
AM Best to Discuss Ratings at Community Bankers Association of ... - Ad-Hoc-N...
AM Best to Discuss Ratings at Community Bankers Association of ...
Ad-Hoc-News (Pressemitteilung), Germany - 10 hours ago
Representatives will be available at booth #42 to discuss AM Best's interactive credit ratings for US banks. AM Best is offering Bank Deposit, Issuer Credit ...
Radian Comments on Standard & Poor's Rating Action - PR Newswire (press relea...
Radian Comments on Standard & Poor's Rating Action
PR Newswire (press release), NY - Aug 26, 2008
... if necessary, to support our long-term liquidity needs and to protect our credit ratings and the financial strength ratings of Radian Guaranty Inc., ...
Sector roundup: Steel producers, casino operators - Forbes
Sector roundup: Steel producers, casino operators
Forbes, NY - Aug 25, 2008
NEW YORK (AP) - Shares of regional banks tumbled Monday, along with the broader market, as concerns over the credit ratings of American International Group ...
Financials drag on market; Dow falls more than 200 The Associated Press
Stocks fall on financial sector woes Minneapolis Star Tribune
all 351 news articles
SEC's Proposed Rule Change Panned by Firms - On Wall Street
SEC's Proposed Rule Change Panned by Firms
On Wall Street, NY - Aug 27, 2008
Existing Rule 2a-7 was never intended to permit NRSRO credit ratings to supersede or obviate board obligations." Instead of eliminating the rule's reference ...
Property tax in municipal bodies below potential: Crisil - Financial Express
Property tax in municipal bodies below potential: Crisil
Financial Express, India - 5 hours ago
While evaluating the credit ratings, Crisil observed that, property tax and user charges revenues in the urban local municipal bodies (ULBs) were found to ...
Crisil assigns investment grade to 10 local bodies Daily News & Analysis
all 2 news articles
Lack of due diligence no reason to blame agencies - The Australian
Lack of due diligence no reason to blame agencies
The Australian, Australia - Aug 27, 2008
Because the three major agencies -- Moody's, Standard & Poors and Fitch -- were so readily prepared to provide investment-grade credit ratings to complex ...
credit ratings Related Blog Entries:
S&P assigns BB long-term credit rating to Allco Reit
by luxuryasiahome
Standard & Poor?s Ratings Services on Thursday said it has assigned its ?BB? long-term corporate credit rating to Allco Commercial Real Estate Investment Trust (Allco REIT). At the same time, it placed the rating on CreditWatch with ...
LIN TV CORP LIN TV's 'B+' corporate credit rating affirmed on ...
by unknown
MUMBAI (Thomson Financial) - Standard & Poor's Ratings Services said it affirmed its ratings on LIN TV Corp., including the 'B+' corporate credit rating, and its subsidiary, LIN Television Corp., following the company's amendment of its ...
Personal Loan Topics Explained
by Chris Channing
If one?s credit rating is slightly lacking because of some poor decisions, consumers can always opt to obtain a personal loan just to improve their ratings. This act is common for anyone with no prior credit experience- such as students ...
Easy To Learn Info On Personal Loans
by Chris Channing
A credit rating is going to negatively impact a loan, so borrowers should work to better their ratings where possible. If nothing else, a borrower can obtain a loan and have it set over the course of a year or two just to show credit ...
S&P lowers AirTran's credit rating
by Plain Dealer Business Staff
Standard & Poor's lowered its rating Tuesday on AirTran Holdings Inc., including the credit corporate rating, to CCC+ from B-. At the same time, S&P removed the ratings from its CreditWatch, where they had been placed with negative ...
Do You Need Bad Credit Auto Loans for Your Vehicles?
by Arno
When it comes to getting bad credit auto loans, one thing that many people do not know is that they are considered to be a loan that is one of the last choices for people; because their credit ratings are extremely bad. ...
Can You Really Buy a Home After a Bankruptcy?
by Arno
These times will be well spent in repairing your damaged credit rating, and will allow you ample time to start over again from scratch. In the meantime, you still can move into your dream home. Places like BadCreditHomeFinder.com can ...
Many Not-For-Profit Hospitals Have Credit Ratings Downgraded This ...
by unknown
0 posts Downgrades in the credit ratings of US not-for-profit health care systems and hospitals exceeded upgrades by a 2-to-1 ratio this year for the first time since 2003, according to a report rel...
Supports SEC Reforms for Credit Rating Agencies
by admin
The Investment Company Institute has expressed support for the US Securities and Exchange Commission?s proposed regulations aimed at improving the transparency and accountability of credit rating agencies. ...