Your Credit Score: How to Improve the 3-Digit Number That Shapes Your Financial Future

Your Credit Score: How to Improve the 3-Digit Number That Shapes Your Financial Future

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by Liz Weston
     
 

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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: You're now being judged on your credit score by everyone from employers to cellphone carriers. Now, MSNBC/L.A. Times journalist Liz Weston has thoroughly updated her best-selling guide to credit scores, with crucial new

Overview

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: You're now being judged on your credit score by everyone from employers to cellphone 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 scores, 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… guidance on protecting yourself against new credit risks from social networking and mobile banking… expanded coverage of credit scoring by insurers… and an all-new chapter on safeguarding 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!

Product Details

ISBN-13:
9780132823494
Publisher:
FT Press
Publication date:
12/02/2011
Series:
Liz Pulliam Weston Series
Pages:
240
Sales rank:
856,087
Product dimensions:
5.90(w) x 8.90(h) x 0.70(d)

Meet the Author

Liz Weston (Los Angeles, CA) is one of the most-read personal finance columnists in the country. For MSN Money she writes a column "Money Talk," which appears in newspapers nationwide. She also appears regularly on television to discuss credit and other personal finance issues. Weston is a graduate of the certified financial planner training program at University of California, Irvine. She is also the recipient of the Consumer Media Service Award and is now writing a regular column for AARP.

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Your Credit Score 3 out of 5 based on 0 ratings. 2 reviews.
Morris-Appliance More than 1 year ago
This was an absolutely excellent book for me to learn about credit. I have had a few (okay maybe more than a few after reading this book and realizing what actually counts) slip ups in my credit history. I have been working hard to improve my scores and they have gone up, but I was basically just doing logical things like settling old account and paying down debt. Also I was SO TIRED of hearing different answers from everyone I talked to about what helps and hurts credit. In addition, it was extremely frustrating paying for scores and finding out they are different from place to place. This book has completely enlightened me and MASSIVELY educated and changed my perspective on credit, life, and how I approach the situation going forward. In my opinion, this book got me to realize that your credit score is one of the single most important factors in quality of life and comfort of living and can be as crippling or maybe even more so than a felony on your criminal record. It acts as a barrier to better things, and financial freedom when it is not up to par. Thank you for writing this book so I finally have some solid answers and understanding as to how many aspects of my financial life are so greatly affected by my score. It was so interesting I read 150 of 200 pages in one day, and I'm usually not a huge reader.
Anonymous More than 1 year ago
Because i have no clue.