JoAnn Pinkney Wilcox

The Author JoAnn Pinkney Wilcox shares the secrets and tricks used in the Banking and Credit Card Industry as well as speaks on Utility companies, Car Loans, Sub-prime rates, the Credit Bureaus (there is a fourth one), the Credit Repair Companies, of which she will show you what to look out for when it comes to managing your money, protecting yourself and your family. Learn how to get your FICO Score up in 3 days. Credit Repair - what works and what does not work. Are you truly protected against Identity Theft and Fraud? What to do if you are a victim and how to protect yourself. Do the Credit Bureaus really look out for your best interest? How far can Collection Agencies go? What do they pay for on what you owe? Learn the formulas used in the Credit Card Industry of which depending on what formula is used will determine what you pay back for the same amount taken out with the same rate. It does not matter if you are young, old, wealthy, or poor. Or you may be a business owner, a professional athlete, a homemaker, or retired. Everyone should be able to benefit from the information that is in this book.