- Introduction
- Acknowledgements
- 1: Getting Ready
- 2: The Costs of Space
- 3: Understanding Credit
- What is Credit?
- Establishing Credit
- Credit Reports
- Credit Scores
- Your Credit Report and Score
- Good Credit vs. Bad Credit
- Alternative Credit
- If Credit Problems Arise
- Rebuilding Credit
- Avoiding Predatory Practices
- Credit and Your Space Hunt
- Lending Criteria
- Credit and Insurance
- Credit and Identity Protection
- Resources: Chapter 3
- 4: Professional Services
- 5: Finding Space
- 6: Residential Leases
- 7: Commercial and Industrial Leases
- 8: Buying Real Estate
- 9: Types of Mortgages
- 10: The Mortgage Application
- 11: Ownership Models
- 12: Purchasing Alternatives
- 13: Chicago Zoning Ordinance
- 14: Chicago Building Code
- 15: Chicago's Neighborhoods
- 16: Property Taxes
- 17: When You Find a Property
- 18: Inspections
- 19: After Moving In
- 20: Insurance
- 21: Utilities
- 22: Rehabbing Your Space
- 23: Safe and Healthy Spaces
- 24: Green Practice
- 25: When Disputes Arise
- 26: Space Emergencies
- 27: Facility Development Planning
- Bibliography
If Credit Problems Arise
There might come a day when you can not pay your bills. Unemployment, illness, a denied grant, low ticket sales or any number of unexpected events can force you into debt, which could drag down your credit score.
No one intentionally establishes bad credit. Reestablishing a good credit rating is an arduous task, but not an impossible one. Helpful options include entering a debt management/credit counseling program and filing for bankruptcy.