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Thursday, November 30, 2006

"Give Me Back My Credit" by Denise Richardson

Consumer Book Reads Like a Raymond Chandler Mystery

Anyone who has read Raymond Chandler’s The Big Sleep knows that the book’s protagonist, Philip Marlowe, is an honest detective in a corrupt world. He’s meticulous about detail, and always catches the culprit in the end. I have never reviewed a book on this blog, but when I read Give Me Back My Credit by Denise Richardson, it almost felt like I was back in Chandler’s Los Angeles. Denise’s narrative of her fight against mortgage companies and credit bureaus is both admirable and gut-wrenching, and it reads like a good mystery.

Innocent Consumer in a Corrupt Credit World

Like Marlowe, Denise wakes up in familiar surroundings one day to embark on a contradiction that will lead her through years of mental anguish against an establishment she thought was her friend. It will take fifteen years, but, akin to the Private Detective’s style, Denise will prevail in the end. And, folks, that’s what it takes in today’s fight to protect your sensitive data, particularly with the credit industry.

Once Upon a Time…Our Credit Was Sacred

This is the story of a bank, a collection company, and three credit bureaus. There are minor characters, but this group of five represents the battle that ensues over mortgage payments that aren’t applied correctly, promised follow-up that mysteriously vanishes, resulting in a prevailing arrogance and hostility against a customer who was right from the beginning. The culprit, all along, was the fact that the mortgage company used a coupon book, and provided no monthly statement of account.

Let the Nightmare Begin

In the book, Denise explains in great detail how she carefully documents payments for the bank that somehow aren’t already obvious. In this and future stages of the dispute, she will hear the phrase, “I’m sending it to research,” which many of you reading this will probably recognize. With repeated promises of fixing the problem, it takes forever to happen, and even when it does, there is a reversal later to the original dilemma. A collection agency enters the picture, even after Denise has her mortgage paid off, to collect a debt that doesn’t exist. Once it is reported to the three credit bureaus, she must then fight them for years to correct her credit report.

Why You Need to Read Give Me Back My Credit
Aside from a great mystery and excellent insight into the incompetence of those holding our private information in the mortgage and credit reporting industry, there are some great tips on how you can avoid the disasters that befall Denise Richardson. Here’s how to buy the book: or Buy Books on the You won’t be able to put it down.

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