{"product_id":"credit-101-carol-pope","title":"Credit 101 by Carol Pope","description":"\u003ch2\u003eCredit 101\u003c\/h2\u003e\u003cp\u003eTake control of your credit and transform your financial life — \u003cstrong\u003eCredit 101\u003c\/strong\u003e by personal finance expert \u003cstrong\u003eCarol Pope\u003c\/strong\u003e is the most practical and empowering guide to understanding, building, repairing, and maximising your credit. Whether you’re starting from scratch, recovering from financial setbacks, or simply want to optimise your credit score for better rates and opportunities, this book gives you a clear, step-by-step roadmap to credit mastery.\u003c\/p\u003e\u003ch2\u003eAbout This Book\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eCovers how credit works from the ground up — what credit is, how credit scores are calculated (FICO vs VantageScore), what the five key factors are (payment history, amounts owed, length of credit history, credit mix, and new credit), and how lenders use your credit report\u003c\/li\u003e\n\u003cli\u003eExplains how to read and understand your credit report — how to get your free reports, how to spot errors and dispute them, and what negative items (late payments, collections, charge-offs, bankruptcies) mean for your score and when they fall off\u003c\/li\u003e\n\u003cli\u003eGuides you through building credit from scratch — secured credit cards, credit-builder loans, becoming an authorised user, and the fastest legitimate ways to establish a solid credit history\u003c\/li\u003e\n\u003cli\u003eAddresses credit repair strategies — how to negotiate with creditors, write goodwill letters, handle debt collectors, understand your rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA)\u003c\/li\u003e\n\u003cli\u003ePart of the trusted “101” series — comprehensive, empowering, and packed with actionable strategies for anyone who wants better credit and greater financial freedom\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eWhy Read This Book?\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eCarol Pope distils complex credit system rules into clear, actionable guidance — giving readers the same insider knowledge that credit counsellors and financial advisors charge hundreds of dollars to provide\u003c\/li\u003e\n\u003cli\u003ePerfect for young adults building credit for the first time, people recovering from financial hardship, anyone preparing to apply for a mortgage or car loan, and every consumer who wants to understand how credit affects their financial life\u003c\/li\u003e\n\u003cli\u003eAn ideal companion to \u003cem\u003eDebt 101\u003c\/em\u003e by Michele Cagan, \u003cem\u003eBudgeting 101\u003c\/em\u003e by Michele Cagan, \u003cem\u003ePersonal Finance 101\u003c\/em\u003e by Alfred Mill and Michele Cagan, and \u003cem\u003eYour Score\u003c\/em\u003e by Anthony Davenport\u003c\/li\u003e\n\u003cli\u003eYour credit score is one of the most powerful numbers in your financial life — this book puts you in charge of it\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eBook Details\u003c\/h2\u003e\u003cp\u003e\u003cstrong\u003eLanguage:\u003c\/strong\u003e English\u003cbr\u003e\u003cstrong\u003eBinding:\u003c\/strong\u003e সেলাই করা বাইন্ডিং\u003cbr\u003e\u003cstrong\u003eQuality:\u003c\/strong\u003e Premium Quality Books.\u003cbr\u003e\u003cstrong\u003ePrinting:\u003c\/strong\u003e High Quality Printing.\u003cbr\u003e\u003cstrong\u003ePaper:\u003c\/strong\u003e Eye Friendly paper (Cream White)\u003cbr\u003e\u003cstrong\u003eCover:\u003c\/strong\u003e Matt cover (Paperback).\u003c\/p\u003e","brand":"Royal Books BD","offers":[{"title":"Default Title","offer_id":67649768161465,"sku":null,"price":250.0,"currency_code":"BDT","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0780\/0874\/6169\/files\/WhatsAppImage2026-10-05at9.05.08PM.jpg?v=1791212727","url":"https:\/\/royalbooksbd.com\/products\/credit-101-carol-pope","provider":"Royal Books BD","version":"1.0","type":"link"}