{"product_id":"perfect-credit-7-steps-to-a-great-credit-rating-2nd-edition-9781932450903","title":"Perfect Credit: 7 Steps to a Great Credit Rating 2nd Edition","description":"\u003cp\u003eIf you have blemishes in your credit files, or are trying to establish credit, you already know what a pain it is living with bad or so-so credit: You get turned down for credit cards and loans, you pay sky-high interest rates when you do get approved, or you have to go (hat in hand) asking family or friends to co-sign for you or loan you money.\u003c\/p\u003e\u003cp\u003eYou probably wish you had good credit, right?\u003c\/p\u003e\u003cp\u003eWell, having just a good credit rating isn't good enough. You need perfect credit. The difference between having good credit and an outstanding credit rating can mean getting approved for a much-needed loan or turned down for it.\u003c\/p\u003e\u003cp\u003eMoreover, with perfect credit you can pocket tens of thousands or even hundreds of thousands of dollars over your lifetime.\u003c\/p\u003e\u003cp\u003eThat is because people with excellent credit save money on loans of all kinds, pay less for various forms of insurance, and have better chances at getting hired or obtaining a promotion on the job.\u003c\/p\u003e\u003cp\u003eRoughly 220 million Americans have credit files maintained by the Big Three credit bureaus: Equifax, Experian, and TransUnion. More than half of these individuals have subprime or bad credit scores. Some people ran into credit problems after a job loss left them unable to pay their bills. Others have gone through divorce, and it is not uncommon for an ex to ruin their credit.\u003c\/p\u003e\u003cp\u003eAnother 50 million adults in the U.S. have no credit files - either because they've never used traditional forms of credit, or because their credit files are \"too thin\" to generate a credit score.\u003c\/p\u003e\u003cp\u003e\u003cem\u003ePerfect Credit \u003c\/em\u003eoffers all these consumers an easy-to-follow blueprint on how to get superb credit - and how to sidestep numerous credit traps and pitfalls along the way.\u003c\/p\u003e\u003cbr\u003e","brand":"Advantage World Press","offers":[{"title":"Default Title","offer_id":50478291648786,"sku":"9781932450903","price":11.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0831\/4771\/8930\/files\/img_efc760ce-752f-4475-a160-8ebd13ffb99c.jpg?v=1730294540","url":"https:\/\/surprise-castle.myshopify.com\/products\/perfect-credit-7-steps-to-a-great-credit-rating-2nd-edition-9781932450903","provider":"Surprise Castle","version":"1.0","type":"link"}