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Don’t settle for an out-of-date guide to credit scoring, when Your Credit Score, Fifth Edition offers brand-new coverage of all this, and more:            Recent consumer-friendly reforms in lending, credit score calculation, and credit bureau behavior — and how to take advantage of them            How you can finally get your credit disputes reviewed by an actual human being            Why recent medical debts shouldn’t impact your score anymore            How to get a legitimately free FICO score without getting ripped off            How lenders have recently loosened their criteria, making it easier to get loans even if your credit isn’t perfect            Important new options for student loan borrowers — including brand-new ways to dramatically limit your payments            How tax refund fraud is soaring — and the one little-known way to avoid becoming a victim            The disappearance of \"manual underwriting\": why it’s now virtually impossible to get a mortgage without credit scores            Weston updates her guidance on raising your FICO score... fighting lower limits or higher rates... maintaining the right mix of cards and balances... bouncing back from bad credit... choosing credit \"solutions\" that help, not hurt... explodes both new and old myths about credit scoring… and much more.         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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!","brand":"WoB","offers":[{"title":"US \/ WELL_READ \/ SBYB","offer_id":49803384062225,"sku":"CIN0132823497A","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"US \/ GOOD \/ SBYB","offer_id":49876700594449,"sku":"CIN0132823497G","price":0.0,"currency_code":"GBP","in_stock":true},{"title":"US \/ VERY_GOOD \/ SBYB","offer_id":50858854940945,"sku":"CIN0132823497VG","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/0132823497.jpg?v=1750908117"},{"product_id":"your-credit-score-book-liz-weston-9780131486034","title":"Your Credit Score","description":"For all consumers who are concerned about improving their credit or protecting the credit they already have. 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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","brand":"WoB","offers":[{"title":"US \/ GOOD \/ SBYB","offer_id":50186013049105,"sku":"CIN0132254581G","price":0.0,"currency_code":"GBP","in_stock":true},{"title":"US \/ VERY_GOOD \/ SBYB","offer_id":50273371291921,"sku":"CIN0132254581VG","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"US \/ WELL_READ \/ SBYB","offer_id":51327752601873,"sku":"CIN0132254581A","price":0.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/0132254581.jpg?v=1751069945"},{"product_id":"easy-money-book-liz-weston-9780132383837","title":"Easy Money","description":"Pulliam Weston (Your Credit Score), columnist for MSN Money and author of the nationally syndicated column \"Money Talk,\" provides a practical, easy-to-understand guide to taking control of personal finances and establishing financial security. Like most financial advice books, this collection covers the basics, such as creating a financial toolkit, investing, planning for retirement and saving for college. While Pulliam Weston provides insights into these areas-especially for those without a financial background-she also charts new territory with her \"60 Percent Solution\" and \"50\/30\/20 Plan,\" both aimed at spending control, as well as getting the most out of your credit cards and what to do if you've overspent on a car purchase. An advocate of online banking, Pulliam Weston maps out the right way to pay bills and advocates account aggregation and consolidation. She also provides a useful resource guide for finding a financial planner, a tax professional and an estate planning attorney. Checklists are included in each chapter, as well as helpful charts and tables that aid in getting and staying organized. This book will be a valuable guide on the path to financial control and security.                                                  --Publishers Weekly          “If you want to simplify your life and make solid decisions—fast—this book is your answer. It’s one more reason Liz remains one of America’s most trusted financial columnists. Quick, easy, and empowering!”  —Jennifer Openshaw, Author of The Millionaire Zone and CEO, WinningAdvice.com     “As usual, Liz cuts to the chase to provide readers with practical, easy to implement tips for living a rich life. If you follow only half of her on-the-money recommendations you’ll be exponentially better off tomorrow than you are today.”  —Lois P. Frankel, Ph.D., Author of Nice Girls Don’t Get Rich and   Nice Girls Don’t Get the Corner Office     Simplify your financial life…   now and forever!      • By the Internet’s #1 personal finance expert, MSN’s Liz Pulliam Weston  • Stop feeling overwhelmed by your finances: take control, the easy way!  • Save time, avoid mistakes, and help secure your future     Common sense. Easy solutions. Plain English. Best selling author,   Liz Pulliam Weston, takes on the problem everyone has, and nobody talks about: the sheer hassle of managing your money! Weston offers practical guidance and easy checklists for every decision: investments, credit cards, insurance, mortgages, retirement, college savings, and more! 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Today, people struggling with debt have far fewer options: lenders are stingier, which makes it harder to avert disaster, or to recover from setbacks like foreclosure, short sales, or bankruptcy. (Meanwhile, people with good credit have more options than ever, including some of the lowest interest rates in decades.) You need an up-to-date guide that can help you assess options, find help, discover opportunities, and take action that works. Liz Weston's Deal with Your Debt, Updated and Revised Edition is that guide. Weston reveals why most \"conventional wisdom\" about debt is just dead wrong. For most people, it's simply impractical to pay off every dime of debt, and live forever debt free. In fact, doing that can leave you a lot poorer in the long run. You're more likely to give up, or pay off the wrong debts. You could leave yourself too little flexibility to survive a financial crisis. You could neglect saving for retirement. 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If you've ever worried about debt, you'll find the new edition of Deal with Your Debt absolutely indispensable.","brand":"WoB","offers":[{"title":"- \/ - \/ -","offer_id":51324151038225,"sku":"","price":0.0,"currency_code":"GBP","in_stock":true},{"title":"US \/ VERY_GOOD \/ SBYB","offer_id":51324153659665,"sku":"CIN0133249263VG","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"US \/ GOOD \/ SBYB","offer_id":53043943342353,"sku":"CIN0133249263G","price":0.0,"currency_code":"GBP","in_stock":true},{"title":"US \/ WELL_READ \/ SBYB","offer_id":53049535791377,"sku":"CIN0133249263A","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/0133249263.jpg?v=1751101341"}],"url":"https:\/\/www.worldofbooks.com\/collections\/author-books-by-liz-weston.oembed","provider":"World of Books ","version":"1.0","type":"link"}