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Reviewed by Christian Sia for Readers' Favorite
Although written for the typical American audience, High Credit Score Secrets: The Smart Raise and Repair Guide to Excellent Credit by Thomas Herold has financial lessons for readers everywhere, especially those who want to understand how credit cards work and what it takes to build and maintain a good credit score. The author reminds readers that a good credit score is the foundation to building almost everything. Readers will understand how their credit score impacts all the other choices they make in life and how to fix it. The opening of this book provides clear answers to some of the commonly asked credit card related questions. The author provides advice on a variety of topics, including how credit cards work, the length of time it takes to build good credit, how to get a credit card, building a good credit score, the lifetime benefits of a good credit score, bankruptcy and its implications, understanding and disputing credit report, what to do if one's credit card isn't used, what hurts credit scores and how to build and maintain a good credit score, and a lot more.
This book is an eye-opener for those readers who look at credit cards as a loan and provides need-to-know information to every consumer. It is hugely informative, written in a style that is highly accessible to the ordinary reader and packed with practical wisdom. There are actionable steps like dealing with the credit bureau and credit agencies. The chapters are arranged to allow an easy learning sequence, moving from very simple concepts to more complex ones. High Credit Score Secrets: The Smart Raise and Repair Guide to Excellent Credit is a great book for readers who do not yet have any credit score, but it is one that will help consumers understand their credit score and take actions that benefit them. Thomas Herold weaves his personal experience into the book and provides examples that readers can identify with.