A Plain English guide to repairing your credit
Take control of your credit, without paying someone else.
The law already gives you the right to dispute what's wrong on your credit report. The Game Changer shows you how, step by step: federal law explained, 12 ready-to-use letters and the rules for all 50 states.
No 609 "loopholes." No score promises. General information, not legal advice.
A lender turned me down. Then offered to sell me credit repair for $149 a month. So I learned the system and wrote the plan myself.
Most of what credit repair companies charge for, you can do yourself, for the cost of a stamp. The rules are written down in federal law and in your state's law. They're just not written for regular people.
The Game Changer puts those rules in plain English, in the order you use them, with the letters and trackers to follow through.
What's inside
Learn the law. Track every step.
Federal law, explained step by step
What the law lets you challenge: items that are inaccurate, outdated or can't be verified, and how the bureaus must respond.
State-by-state rules and deadlines
Your state's own chapter, each dated with when it was last checked, on top of the federal rules.
Dispute letters, tracking and next steps
12 ready-to-use letters, plus a companion workbook to log what you sent, what came back and what to do next.
Collegiate Edition
Build strong credit from day one, before there is ever a mess to clean up.
A plain English credit guide for high school grads and college students, with a 24-month game plan. The companion workbook adds the worksheets, trackers and checklists to follow it.
For high school grads and college students
Your 24-month game plan
Student loans, rent, car and phone
Companion workbook
See price on Amazon
Paperback only, 8.5 x 11 in. Worksheets, trackers and checklists.
Buy the workbook on AmazonFor credit unions and nonprofits
Bring a free credit workshop to your community.
A multi-session financial literacy series built on the book and workbook. Your organization hosts it; participants never pay. It is education only: no one is asked for their Social Security number or their credit report.
Bulk orders and gifts
A gift your clients will actually use.
- Volume pricing from 25 copies
- Book and workbook gift set, priced under $25
- Signed copies, inscriptions and note cards
- For real estate agents, lenders, employers and schools
About the author
Wes Guerrier
Wes is a Brooklyn-born son of Haitian immigrants, a creative director, photographer and father of three. He studied Information Systems at Oakwood University and Entrepreneurship at Morgan State University, and started his first business as a student. He wrote The Game Changer so other people could do for themselves what he was once asked to pay $149 a month for.
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