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Your Credit Score: How to Improve the 3-Digit Number That Shapes Your Financial Future (4th Edition) (Liz Pulliam Weston)
 
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Your Credit Score: How to Improve the 3-Digit Number That Shapes Your Financial Future (4th Edition) (Liz Pulliam Weston) [Kindle Edition]

Liz Weston

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Product Description

Product Description

Today, a good credit score is essential for getting decent terms on credit--or for getting credit at all. But that's just the beginning: Your credit score rating can be reviewed by everyone from employers to cell phone carriers. Now, MSNBC/L.A. Times journalist Liz Weston has thoroughly updated her best-selling guide to credit scores, with crucial new information for protecting (or rebuilding) yours. Your Credit Score, Fourth Edition thoroughly covers brand-new laws changing everything from how your credit score can be used to how you can communicate with collectors. This edition also adds simple graphics revealing exactly how much skipped payments, bankruptcies, and other actions will lower your credit ratings, and how long it takes to rebound. You'll find new information on "FAKO" alternative scores, expanded coverage of short sales, foreclosures, the new FICO 8 Mortgage Score, and when to "walk away" from a mortgage. Learn how to protect yourself against new credit risks from social networking and mobile banking and how to safeguard against unethical or illegal use of credit scores by employers. Weston updates her expert guidance on using FICO 08 to raise your score, fighting lower limits and higher rates, maintaining the right mix of cards and balances, bouncing back from bad credit, choosing credit "solutions" that help, not hurt… and much more!

From the Back Cover

 “Recommended reading!”
-- Wall Street Journal Online

“A great credit score can help you finish rich! Liz Weston gives solid, easy-to-understand advice about how to improve your credit fast. Read this book and prosper.”
--David Bach, bestselling author of The Automatic Millionaire and The Automatic Millionaire Homeowner

“Excellent book! Insightful, well written, and surprisingly interesting. Liz Weston has done an outstanding job demystifying an often intimidating and frustrating topic for the benefit of all consumers.”
--Eric Tyson, syndicated columnist and bestselling author of Personal Finance for Dummies

“No one makes complex financial information easy to understand like Liz Weston. Her straight-talk and wise advice are invaluable to anyone with a credit card or checkbook--and that’s just about all of us.”
--Lois P. Frankel, Ph.D., author of Nice Girls Don’t Get the Corner Office and Nice Girls Don’t Get Rich

“In a country where consumers increasingly pay more when they have bad credit, Liz Weston’s book provides excellent tips and advice on ways to improve your credit history and raise your credit score. If you just apply one or two of her insightful suggestions, you’ll save many times the cost of this book.”
--Ilyce R. Glink, financial reporter, talk show host, and bestselling author of 100 Questions Every First-Time Home Buyer Should Ask

“Your credit score can save you money or cost you money--sometimes a lot of money. Yet, most people don’t even know their scores, much less know how to make them better. Liz Weston can help you fix that. In this easy-to-understand guide, you’ll learn how to make sure your score helps you get the best deal on loans and insurance. You can’t afford not to read it.”
--Gerri Detweiler, consumer advocate and founder of UltimateCredit.com

America’s Most Trusted Guide to Improving Your Credit Score...
Now Completely Updated!


•  Boosting your score: what works now, what doesn’t--and what you should never do!

•  Detailed new charts: How short sales, foreclosures, and missed payments impact your score

•  Must-have information about credit score abuse--and how to fight back

•  By award-winning MSN Money/AARP financial columnist and public radio contributor Liz Weston

Your credit score is more important than ever: not just for getting loans, but for getting jobs, insurance, rentals, and fair rates on all financial services. Now, more than ever, you need America’s #1 guide to credit scores: Your Credit Score, by MSN and AARP columnist Liz Weston.

Accurate, expert, and proven, this book tells you the truth--and it’s already helped many thousands of people take control of their credit scores. Now, it’s completely revamped for today’s massive changes--from FICO 8 to “FAKO,” short sales to employer abuse of credit scores.

Whatever your score, you need this information--to defend yourself, and to get the credit, rates, work, and home you deserve!


Product Details

  • Format: Kindle Edition
  • File Size: 731 KB
  • Print Length: 241 pages
  • Page Numbers Source ISBN: 0132823497
  • Simultaneous Device Usage: Up to 5 simultaneous devices, per publisher limits
  • Publisher: FT Press; 4 edition (Nov. 18 2011)
  • Sold by: Amazon Digital Services, Inc.
  • Language: English
  • ASIN: B005GXM5ZY
  • Text-to-Speech: Enabled
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Most Helpful Customer Reviews on Amazon.com (beta)
Amazon.com: 4.4 out of 5 stars  41 reviews
18 of 19 people found the following review helpful
5.0 out of 5 stars Sound financial advice for those in credit distress! Nov. 17 2011
By Dad5 - Published on Amazon.com
Format:Paperback|Vine Customer Review of Free Product
Your Credit Score by Liz Weston provides sound financial advice in an accessible, readable presentation; with the first half of the book dedicated to a discussion of how credit scores are compiled and how to manage your credit scores. The second half of the book has a less general application, but is must reading for those with credit issues, particularly those seeking to rebuild a damaged credit history. The potential impact of credit scores on insurance premiums and the job search may also come as a surprise to readers.

I would suggest, however, that if the reader's primary interest is the FICO score, they should first check out Understanding Your FICO Score, a 20-page booklet available free on the myfico.com website. This covers much of the material in Chapters 1 and 2 of Your Credit Score. If you want to learn more, I would then turn to Weston's book.

Readers who paid for a credit score online, expecting a FICO score, but receiving a VantageScore instead, will be particularly interested in Weston's Chapter 3. While the three major credit bureaus promote VantageScore as a superior alternative to FICO, Weston provides some valuable insights on the VantageScore vis-a-vis FICO; Weston also indicates free sources for VantageScore, saving the reader a typical $7.95 (or more) that many pay for this score.

So, my only caution to readers is that about one-half of the book has general applications for all readers and the other half is primarily relevant to those in financial distress. If you are not facing credit issues, you may wish to closely examine the Table of Contents to determine if Your Credit Score is right for you.
10 of 10 people found the following review helpful
2.0 out of 5 stars Nothing New Here May 5 2012
By Kelly L. Dear - Published on Amazon.com
Format:Kindle Edition|Verified Purchase
I was hoping to get a little more detail about the actual steps to take to improve a credit score. The book does a good job of explaining how a credit score is calculated and how the credit agencies work, but that information didn't tell me anything I didn't already know. The title was misleading in my opinion because it didn't give any new information that might be helpful to someone who needed to work on improving their credit score. There was more information included about other ways your credit history might be used, but that wasn't information about improving your score.

Some people may have enjoyed reading all the history of the credit industry, but for me it was boring and not helpful. I was disappointed.
8 of 9 people found the following review helpful
3.0 out of 5 stars GOOD INFO, GREAT FOR THOSE TRYING TO BUILD CREDIT Dec 21 2011
By KDub - Published on Amazon.com
Format:Paperback|Vine Customer Review of Free Product
This book gives a great foundation about what credit is. Goes in depth about how credit scores are calculated and how they are affected. Because of this I think this would be great for teens, or college students.
The ways to improve your credit score are nothing new if you are fairly knowledgable about credit. It reinterates many of the basic tips that most are familiar with like ensuring there are no errors on your credit report and paying your bills on time.
I think this book would provide any person with some knowledge about credit and help those who have serious credit problems with a way to organize their clean-up game plan.
Worth reading for all.
5 of 6 people found the following review helpful
5.0 out of 5 stars Buy This Book! March 23 2012
By AV - Published on Amazon.com
Format:Paperback
At the risk of sounding like someone paid me to write this.....I mean it when I say you need to buy this book, no matter what your current score. As it details how your credit score is derived and how to improve it. In addition the books is filled with real-life questions and myth busters. For example, paying your CC balance off every month does nothing for your credit score, or that your car insurance premium can and probably is based in part on your credit score. If you put even a fraction of the tips and tricks offered in this book into action you going to do yourself some big favors. If anything you will be more mindful of how you utilize your CC's and how your credit score effects your future. Additionally, the book mentions several organizations that can help with the various aspects covered in the book.

This book left me feeling educated and empowered. In fact it's more than a book, but a manual on how to work this whole credit scoring system and personal finances in general to my maximum advantage.
1 of 1 people found the following review helpful
5.0 out of 5 stars Excellent! Feb. 9 2013
By Valerie B. Lull - Published on Amazon.com
Format:Paperback
I have been having credit problems and I picked up this volume in the new books section of the library. It is a real eye-opener. I did not know all this stuff about credit and how much it impacts ones life. This information about credit and finances should be taught to the children in school so they will know how to manage their financial lives.

The book covers ones FICO score, how it is calculated, what it means and how to improve it. The author explains why it is important and how it all works. She also includes information on how to repair your credit score if it is low. There is a section on credit-scoring myths and how to cope with a credit crisis. She talks about how to protect yourself from identity theft and has a chapter on fixing your credit score fast.

I learned several new things that surprised me, like the use of credit scores in getting insurance, and the fact that if you apply for a job your potential employer can look up your credit score. Scary! If your score is low, you may need that job to help repair it and get it up!I found this to be a good book. It is written in easy-to-read language and is easy to understand. -- Author, Valerie Lull, Ten Healthy Teas

Popular Highlights

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It doesnt matter whether you pay the balance off in full the next daythe balance you owed on the reporting day is what shows up on your credit report. &quote;
Highlighted by 5 Kindle users
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Bankcardsmajor credit cards such as Visa, MasterCard, American Express, Discover, and Diners Clubare typically better for your credit score than department store or other finance company cards. &quote;
Highlighted by 4 Kindle users
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To get the highest possible scores, however, you need to have both revolving debts like credit cards and installment debts like an auto loan, mortgage, or personal loan. &quote;
Highlighted by 4 Kindle users

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