How to Get Out of Debt
Get an “A” Credit Rating for Free Revised

by Harrine Freeman

Book Reviews for How to Get Out of Debt

"Like many Americans, Harrine Freeman, has been through credit difficulties. But not only has she turned her situation around, she has gone on to help others do the same with her straightforward guide to better credit, How to Get Out of Debt: Get an "A" Credit Rating For Free. Her book is here at a time when so many people need this kind of help." 
--Gerri Detweiler, consumer advocate and author of The Ultimate Credit Handbook

"How to Get Out of Debt: Get an "A" Credit Rating For Free by Harrine Freeman is full of practical advice on where to file complaints, sample letters, spending plan spreadsheets, statute of limitations time periods, and much more. For the past five years, Ms. Freeman has been the CEO of a credit repair and money management company, so she knows what she is talking about".
-- Alan Caruba, Editor,

“This is a must read…that will empower readers to reevaluate their spending habits and become focused on securing their financial future”.
-- Books2Mention Magazine

"When I first opened it, I sighed, wondering how it could be any different from the advertisements that come on after hours, promising all the information in the world for just $19.95, and offering you no more than what you already knew and never implemented. As you can tell from the review, I have struggled from undergraduate debt; I know this merry go round well. Three hours later, I had devoured Ms. Freeman's guide, tucking it on my shelf of "very necessary day-to-day living" reading. No doubt, folks, this one is a keeper".
-- Read Zone Book Reviewers

I have read several books on this subject, and this is the first one that actually offers a reasonable and achievable solution. Harrine Freeman talks about the ‘grand scheme’ but actually uses small and attainable goals. Essentially you can ‘Nickel and dime’ your way out of debt. 
-- Simon Barrett, Author Blogger News Network


Excerpt: How to Get Out of Debt: Get an “A” Credit Rating for Free Revised 

The country experienced another financial crisis in October 2013 - the government shutdown which lasted for 2 ½ weeks causing approximately 800,000 employees to be furloughed. The shutdown also affected small business owners, contractors, consultants, social service companies or nonprofits that receive federal funding, social service programs, and state governments. 

We can no longer depend on the government for assistance. As individuals we must take accountability for our actions. We spend the most money per person/family than all the others countries in the world. We have become so obsessed with things and using credit that we have become addicted to shopping. No one would ever admit to it but we have. 

What happened to the days when you only purchased items that you could afford? These are the things our parents and grand-parents are familiar with. If you wanted to buy a home you had to save your money for a down payment and have a really good credit score otherwise you would be quickly escorted out the doors of the bank for wasting their time. 

Money can make people do crazy things. A major factor of the mortgage industry failure was due to greed. I would like to ask Wall Street and the mortgage and banking industry professionals, was it worth it, was the greed and fraud used to make millions of dollars’ worth it. No, it was not. The saying “an honest day’s work for an honest pay” no longer applies to America. Other countries now look down on us and laugh. Our country is the butt of many jokes.

It is disappointing that a catastrophic event like the recession and government shutdown had to occur to bring the country back to reality. Unfortunately, some Americans are still in denial about their financial situation and are holding on for dear life to their “things”. If you own a home, car, boat or investment property and can’t bear the thought of losing it because you can’t afford to make the payments. Stop, take a deep breath and just let it go – let go and rid yourself of the stress, headache, heartache, worry and anxiety of trying to figure out how to make the payments or catch up on payments you have missed. Losing “things” should not make you feel sad, depressed or angry. Losing “things” should teach you a valuable lesson – things have no value, but your life does so live your life to the fullest. 

Do things that have value such as community service, spending time with you family, getting an education, learning a new skill or hobby, starting a business that provides a desperately needed service, and focusing on what’s really important - knowing yourself and loving yourself. No matter what method you choose to change your lifestyle and spending habits you must make a permanent lifestyle change. 

( Continued... )

© 2015 All rights reserved. Book excerpt reprinted by permission of the author, Harrine Freeman. Do not reproduce, copy or use without the author's written permission. This excerpt is used for promotional purposes only. 

Purchase How to Get Out of Debt: Get an a Credit Rating for Free 


Meet the Author
Harrine Freeman
is an authority on personal finance. She is a financial counselor, CEO of H.E. Freeman Enterprises and Author of "How to Get out of Debt: Get An “A” Credit Rating for Free," a self-help book that provides a step-by-step plan on how to get out of debt, increase credit scores and plan for the future. 

She has impacted the lives of thousands through speaking engagements and counseling. She helps client's prepare for financial freedom, by providing useful advice to steer clients in the right direction. 

She is a member of Credit Professionals International, American Association of Daily Money Managers, American Association of Individual Investors and National Speakers Association. 

Harrine has been featured in: Featured in Market Watch, Wall Street Journal, Forbes,The Washington Post, NASDAQ, Huffington Post, MSN Money, Black Enterprise, Essence Magazine, Ebony, Woman’s Day magazines. 




Tips on How to Get Approved for a Mortgage Loan
by Harrine Freeman


A home is one of the largest purchases you will ever make in your lifetime. Here are some ways to ensure you get approved for a mortgage loan.

1.    Proof.  Showing proof that you have funds available to cover the down payment.

2.    Sourced and seasoned. Sourced means the lender can determine where the assets came from. Seasoned means that the assets have been in your bank account for at least 30 days but varies by bank.

3.    Debt. Pay down as much debt as possible. Your debt-to-income ratio should be 36% or less (your monthly debt divided by your monthly income).

4.    Income. You must show proof of income and taxes filed for the past three years.

5.    Collateral. Possessing collateral or assets such as a retirement account, stocks, bonds, a car, real estate, art, etc. eases banks fears that you will default on your mortgage loan.

6.    Credit. Possess a credit score of at least 700. Explanation of any late payments in the past 2 years.

Here are some helpful links regarding personal finance:

Connect with Harrine Online

Purchase How to Get Out of Debt: Get an "A" Credit Rating for Free [Kindle Edition]




Intimate Conversation with Harrine Freeman


Harrine Freeman is the owner of H.E. Freeman Enterprises which provides credit repair services to help clients restore their credit rating and develop good money management skills. She is the author of "How to Get out of Debt: Get An “A” Credit Rating for Free" that provides steps on how to get out of debt and improve your credit. She has appeared in Wall Street Journal, Black Enterprise, Essence, Forbes and on NBC and ABC.

BPM: What makes you powerful as a person and a writer?
I love helping people and that passion has helped me in my business helping my clients overcome their financial challenges which makes happy because everyone once in a while everyone needs a little help sometimes.

BPM: Who are your mentors? Where do you find your inspiration?
My mentors were my grandparents, they faced insurmountable odds including racism, sexism and civil rights issues and overcame them. They instilled in me good moral and financial values that I still practice today. My inspiration comes from my support network of friends and family.

BPM: Finish this sentence- My writing offers the following legacy to future readers...
My writing offers the following legacy to future readers, you have the power to change your future - "Money can generate wealth or generate debt, you make the choice. "

BPM: Introduce us to your book, How to Get Out of Debt.
Can you imagine how your life would change if you had good credit? Imagine the relief ? Less stress, not worrying about bill collectors calling you at home or at work, and putting an end to your fights with your partner, spouse or children that are caused by not having any money.

This comprehensive self help book provides step by step details on how to repair your credit, get out of debt, create your own flexible spending plan and maintain your good credit without having to go to a credit counseling agency or file for bankruptcy.

BPM: Introduce us to the primary message in the book,  How to Get Out of Debt.
The primary message in the book is that no matter what financial setback you have experienced you can overcome it. It may seem that there is no light at the end of the tunnel but there is because I have personally experienced it and overcame my financial struggles. It will be hard but with determination and patience you will overcome your crisis.

BPM: Share with us a few of the life enhancing sections from the book.
I bought a car for an ex-boyfriend in my name. Everything was fine for about 6 months then he stopped paying the car payment and I ended up owing $9,000 for a car I didn't drive.

I learned a valuable lesson from this experience, don't co-sign for anyone especially for someone who has bad credit. This may be hard to do especially if a relative, spouse or sibling asks for help. I learned that you cannot control what someone does, and saying sorry if not enough when your credit gets damaged.

BPM: What prompted you to create this book, How to Get Out of Debt?
I wrote the book because I wanted to prevent people from making the same mistakes I did and prevent people from being victims of the financial industry.

BPM: Who did you originally write How to Get Out of Debt: Get an "A" Credit Rating for Free for?
I wrote this book for men and women ages 21-50 that have experienced financial challenges due to job loss, health issues, divorce, those who owe money from a previous relationship, college students, or those who have made bad financial decisions.

BPM: Now that the book is out, who should read How to Get Out of Debt and why?
People should read my book because it is an easy read, there are no large financial terms that you have to get a dictionary to understand. There are tons of easy to follow tips on how to overcome different financial challenges as well as information on how to create a budget, pay down debt and negotiate with creditors.

BPM: What issues in today's society do you address in the book?
The book addresses issues such as foreclosure, bankruptcy, student loans, repossession, judgments, divorce, tax liens, collection accounts and laws that protect consumers.

BPM: What impact will this book have on the community of readers?
The book will help readers who are willing to repair their credit and get out of debt on their own. For those who hire a professional the book will confirm everything the professional advises them to do and in some instances will help detect the fraudulent companies who suggest advice that may be incorrect or illegal.

BPM: What was your primary quest in publishing How to Get Out of Debt?
My primary quest in publishing the book was to accomplish the task of actually writing a book. I never imagined that my book would be received my so many readers.

BPM: What do you think makes your book different from others on the same subject?
The message I want readers to share with readers is that there is no gimmick to my book. I state the facts and provide information to help readers who are facing financial challenges.

BPM: What message in your book do you want readers to share with others?
The message I want to share with readers is don’t give up. No matter how bad it may seem right now you can overcome your financial situation.

BPM: Before we end the interview, define SUCCESS. What part does GRATITUDE play in achieving success, in your opinion?
SUCCESS – I define success as overcoming any obstacle and achieving an accomplishment that you did not expect to achieve and had to work hard for.

GRATITUDE – Gratitude is more than just saying please and thank you. I define gratitude as a way of life, being respectful and humble in your success and in all you do.

BPM: How can our readers reach you online?
Readers can reach my online on at,  by visiting my website at:

Harrine Freeman, CEO/Owner, H.E. Freeman Enterprises
Personal Finance Expert, Speaker, Freelance Writer, TV Producer

Purchase How to Get Out of Debt: Get an "A" Credit Rating for Free  [Kindle Edition]



Other Sources:  How to Get Out of Debt: Get an "A" Credit Rating for Free           (Nook)           (iTunes)       (Kindle)           (Kobo)




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