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“A great credit score can help you finish rich! Liz Pulliam 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 Pulliam 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 Pulliam Weston. Her straight-talk and wise advice are invaluable to anyone with a credit card or check book–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 Pulliam 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 Pulliam 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
Your credit score. It’s just three numbers. But it dictates whether you’ll get credit, and what you’ll pay. Insurers use it to set premiums. Landlords use it to make renting decisions. You need to understand it. In Your Credit Score, Second Edition, MSN Money personal finance journalist Liz Pulliam Weston gives you up-to-the-minute answers you can trust—and a proven action plan for building your credit, fixing it, and maintaining it, starting today!
Weston has updated this national bestseller with extensive new information, including an inside look at the new VantageScore credit scoring system, “Fast Fixes” that actually work, and powerful tips for first-time borrowers.
You’ll discover how your scores are affected by everything from applying for loans to closing accounts...how to cope with a credit crisis, and bounce back from bad credit or bankruptcy...how credit counseling really affects your score...why paying old debts can actually damage your score...how to reduce your exposure to identity theft, and much more!
Acknowledgments xvii
About the Author xix
Chapter 1: Why Your Credit Score Matters 1
Chapter 2: How Credit Scoring Works 13
Chapter 3: VantageScore–A Revolution or Just More of the Same? 29
Chapter 4: Improving Your Score–The Right Way 37
Chapter 5: Credit Scoring Myths 57
Chapter 6: Coping with a Credit Crisis 69
Chapter 7: Rebuilding Your Score After a Credit Disaster 89
Chapter 8: Identity Theft and Your Credit 111
Chapter 9: Emergency! Fixing Your Credit Score Fast 139
Chapter 10: Insurance and Your Credit Score 147
Chapter 11: Keeping Your Score Healthy 163
Index 179
| Publisher | FT Press |
| ISBN | 0132254581 |
| Format | Paperback |
| Author | Liz Pulliam Weston |
| EAN | 9780132254588 |
| Label | FT Press |
| Edition | 2nd |
| Dewey Decimal Number | 332.743 |
| Studio | FT Press |
| Number Of Pages | 224 |
| Title | Your Credit Score: How to Fix, Improve, and Protect the 3-Digit Number that Shapes Your Financial Future, 2nd Edition |
| Publication Date | 2007-02-04 |
| Manufacturer | FT Press |
Review by Joseph S. Maresca, 2009-01-03
Most people have absolutely no idea of how credit
scores are derived or that they can be challenged.
"Rapid Re-scoring Services" will assist you in
revising your credit score to take into account
erroneous or out-of-date information which is adverse.
The author advises us to pay down debt quickly and
reduce credit limits to raise the credit score.
There is a "National Consumer Advocate(s)" which
helps with legal advice for chronic credit problems.
They can be reached at " 202-452-1989. Sometimes,
local newspapers have reporting debts knowledgeable
on credit in their geographic reporting area.
Overall, the work has very valuable advice which
could help most members of the public. Good strategies
are advanced to deal with creditors and their representatives.
A novice should not work on his/her own because there
is a plethora of knowledge in the community at large.
Use it or waste countless hours banging your ahead against
the wall.
Dr. Joseph S. Maresca
Review by RobCarSales, 2008-07-16
I send all my customers who don't qualify for a car loan. I have seen some amazing results from these guys in a short amount of time. They are affordable to the kind of customers who would need credit repair in the first place, they charge less than $500 and will get results. Just a heads up from a Sales Manager of a New Car dealership.
Review by Rolf Dobelli, 2008-03-18
You literally can't afford to ignore your credit record. Every negative mark or mistake on your credit history can cost you big bucks: Over the course of a lifetime, a person with merely average credit will pay thousands more for a mortgage, car loan or credit cards than one with good credit. However, if you don't know the difference between FICO and FICA, can't understand why you have a 23.5% interest rate on your charge card, and were shocked when your car insurance payments went up even though you weren't in an accident, don't despair. Liz Pulliam Weston explains it all to you. Her book is brimming with accessible, vital information, and getAbstract believes that it will save you money, whether you're just beginning to learn about personal credit or you're an experienced, savvy consumer. And for that she deserves a lot of credit.
Review by Danielle Rocheford, 2008-02-08
I think this book has good information for those who are just learning about their credit scores and why they're so important. It's easy to read and understand.
Like several other's, I already have a good score and was hoping to find some suggestions on how to improve/tweek my score even higher. I was dissappointed not to find anything on that topic.
All in all, it will be very helpful for beginners.
Review by Kalam Fletcher, 2007-12-18
After reading other credit report books, this book seemed quite basic with a lot of common knowledge information.
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