Meet the Experts Who Contribute to the Newsletter

Stephen Snyder filed for bankruptcy in 1993 and fully recovered in only eight months. After his recovery, his wife, Michele, and he created the After Bankruptcy Foundation to show other bankrupt filers how to recover. Stephen has delivered free seminars on credit scoring for 10 years in as many as 66 cities per year. He is the author of Credit After Bankruptcy, the best-selling bankruptcy recovery book of the past 10 years. He is also author of Do You Make These 38 Mistakes With Your Credit? Both books are available in bookstores nationwide. He is also editor of the Life After Bankruptcy e-newsletter, the only newsletter on how to recover after bankruptcy the right way.

Stephen has made it his passion to understand how credit scores are established. He has evaluated thousands of credit reports so he could understand the keys to increasing these scores. As a result, he can tell consumers how to pay less on everything from home mortgages to credit card purchases.

Stephen is also one of the few personal finance commentators in the country trained by Fair Isaac Corporation, the firm that created the scores that credit reporting agencies use to calculate a consumer's credit worthiness. In the 1960s, Fair Isaac sparked a revolution by pioneering credit risk scoring for the financial services industry. Fair Isaac's FICO score is widely recognized as the industry standard for lenders.

Stephen is extensively quoted in the media. For a list of some of his media appearances, click here.

Becky Stark has been in the mortgage business for over a decade, working for Wells Fargo and Chase Manhattan before becoming the account manager for RBC Mortgage. Becky is now the branch manager for Flagstar Bank Home Lending. Since 1995, she has helped more than 3,000 people with bankruptcies obtain mortgages at reasonable rates.

Barbara Dorsey has 18 years of experience in the automotive business as a Finance Director and she's personally helped over 1292 people with bankruptcies get approved to buy cars at the best interest rates. She spent the last seven years as After Bankruptcy Foundation's only Texas Ford dealer that sponsored every seminar he held in Texas. Today, she works closely with the After Bankruptcy Foundation to find the best car buying opportunities for bankrupt filers.

Our mystery expert is an executive at a major national bank. He is intimately aware of both the retail and credit side of the banking industry, and provides a valuable insider's view of the way things really work in a bank, especially when it comes to credit. And even though our arrangement with him is perfectly legal and he is not providing us with proprietary information, we are keeping his identity a secret to protect him from any potential repercussions from his employer.