Your Credit Score: How to Fix, Improve, and Protect Your Credit for Life
Personal finance journalist Liz Pulliam Weston has written an informative book that could save you thousands on credit and insurance. In the process you will discover that it may even help you land your next job!
Credit Score Improvement Action Plan
Your credit score. It’s a simple three-digit number, but it’s rapidly becoming the most important number in your life.
It dictates whether you’ll get credit, and what you’ll pay. A bad credit score could cost you thousands on your next house or car. Insurers use it to set premiums. Landlords use it to choose renters. You must understand it. But there’s an immense amount of misinformation, obsolete data, and flat-out nonsense out theremdand some of it can cost you a fortune.
In Your Credit Score, MSN/L.A. Times personal finance journalist Liz Pulliam Weston comes to the rescue with specific, up-to-date answers you can trust. Weston explains how to bounce back from bad credit or bankruptcy, and tells you exactly how credit counseling, debt negotiation, and other credit “solutions” can affect your score. Along the way, Weston exposes the myths about credit scoring that can cost you real money if you fall for them.
Your Credit Score gives you what you need most: an action plan for building your credit, fixing it, and maintaining it — starting today!
Credit Facts You Need To Know
- How many credit cards should you have.
- What should you know about carrying balances
- Which credit inquiries hurt your score (and which ones don’t)
- Will closing accounts really help your credit score?
- How credit counseling does and doesn’t affect your score
- The fastest way to improve your credit score
- Who can actually help — and who’ll rip you off?
- What you should do before you apply for a mortgage
- An action plan that could save you thousands of dollars.
Review
The author of the nationally syndicated newspaper column “Money Talk” has come out with a highly readable and useful book on credit scores.
Starting off with introductory information on what credit scores are, she takes us through how and why they were developed, how to determine an individual’s score, how to improve one’s score, and how to deal with a “credit crisis” such as bankruptcy, divorce, job loss, and other events that can wreck one’s credit score.
She also covers two frequently overlooked areas, the effect of identity theft on credit scores and the correlation between credit scores and insurance rates. (…) Overall, a practical and informative book; recommended for public libraries. - Library Journal, Susan Hurst, Miami Univ. Libs. of Ohio, Oxford Copyright 2004 Reed Business Information.
