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| | Your Credit Score: How to Fix, Improve, and Protect the 3-Digit Number that Shapes Your Financial Future (2nd Edition) (Liz Pulliam Weston) |  | Manufacturer: FT Press
Category: Digital Book Service
Buy New: $1.89
Avg. Customer Rating:  27 reviews
Format: Amazon Upgrade
Media: Digital
Edition: 2nd
Number Of Items: 1
Pages: 224
Shipping Weight (lbs): 0.8
Dimensions (in): 8.9 x 6.1 x 0.6
Dewey Decimal Number: 332.743
ASIN: B000UMDOJ2
Publication Date: February 4, 2007
Availability: Usually ships in 24 hours
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| Customer Reviews:
 Highly recommend this book to everyone October 18, 2007
Whether you have bad credit or good, understanding the process of how credit scores are tallied, what affects the credit scoring, good and bad, and how it affects you will be one of the most important educational tool you'll need to take control of your financial status. It gives you the ins and outs of how scoring is done, what affects the scoring, how it affect you, how you can improve your score, how it can save you money, potentially affects whether you get a job at certain firms. It also explains how to clean up and/or correct erroneous information; it talks about identity theft and more. This book is for anyone who needs to improve their scores or if you have good credit, how to maintain good to excellent credit, regardless of age.
Your Credit Score: How to Fix, Improve, and Protect ... June 6, 2007
This book is written in the straight-forward, easy to read style Liz uses in her weekly columns for MSN Money. It gives a lot of basic information as well as "how to's." I definitely recommend this book for those who want to improve their score by either fixing it or protecting it.
Wonderful Book May 21, 2007
4 out of 5 found this review helpful
When I bought this book, I was very skeptical. It was actually a very smooth, easy read and was very insightful. I reccommend this to anyone who is looking to start fresh with their credit.
 Informative, but redundant May 12, 2007
5 out of 5 found this review helpful
This Book will give you all the information you need to get the best credit score you can, and if you will follow the book's advice, most likely it will work.
However, the information given in the book could be found on any credit monitoring web-site for free with more accuracy to your situation.
It's nice to have the book at home, but not necessary. Take it only if you refuse to read the advice you get at the different credit report websites
Should be required reading before filling out your first application... February 12, 2007
7 out of 7 found this review helpful
It's become pretty common lately to hear news stories about your "credit score." But it's one of those things that is not well-understood, nor are the factors that feed into it. This book cuts through all the confusion with clear explanations and great advice... Your Credit Score: How to Fix, Improve, and Protect the 3-Digit Number that Shapes Your Financial Future (2nd Edition) by Liz Pulliam Weston. A little knowledge can save you a ton of money and grief...
Contents: Why Your Credit Score Matters; How Credit Scoring Works; VantageScore - A Revolution or Just More of the Same?; Improving Your Score - The Right Way; Credit Scoring Myths; Coping with a Credit Crisis; Rebuilding Your Score After a Credit Disaster; Identity Theft and Your Credit; Emergency! Fixing Your Credit Score Fast; Insurance and Your Credit Score; Keeping Your Score Healthy; Index
Like it or not, credit bureaus have a large influence on what you pay for loans (and increasingly, insurance). Weston starts by explaining how the whole credit rating concept evolved, as well as the significant players in the game. She also explains how that credit score is used by banks and lenders to predict the likelihood of getting paid back. The lower your score, the higher the probability of payment issues, and the higher the interest rate will be. The book becomes *really* valuable when you start understanding the many myths behind credit scoring. For instance, conventional wisdom says it's a good thing to close out credit card accounts you're not using any longer, thereby improving your credit score. In reality, that action will usually hurt your score instead. Or another example... It's a good idea to have your credit company lower your limit to improve your score. Wrong! Part of the calculation of credit scoring is the ratio of used to available credit amounts. If you lower your credit limit, that ratio goes up (provided you didn't pay down your balance), and your score goes down. It's practical information such as this that makes the book so valuable and worthwhile. Oh, and you wonder why your insurance rates are higher than your neighbors, all things appearing equal? More and more insurance companies are following the controversial practice of charging higher premiums to people with lower scores. Yet another reason to be on guard.
Ideally, you don't run up credit charges and you pay cash for everything. Practically, society is geared towards being able to categorize people based on their credit history. You can use this book to position yourself well for credit expectations without having to go against your principles if you don't want to become caught up in the credit craze. This book should be required reading before getting your first credit card or loan...
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