Your credit score how to improve the 3-digit number that shapes your financial future

Format:

Book

Author/Creator:

Weston, Liz Pulliam, Author.

Language:

English

Subjects (All):

Credit scoring systems--United States.

Credit scoring systems.

Consumer credit--United States.

Consumer credit.

Credit ratings--United States.

Credit ratings.

Physical Description:

1 online resource (1 v.) : ill.

Edition:

4th ed.

Place of Publication:

[Place of publication not identified] FT Press 2012

Language Note:

English

System Details:

text file

Summary:

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: 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!

Contents:

Why your credit score matters

How credit scoring works

FICO versus 'FAKO' : competitors to the leading score

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

Can bad credit cost you a job?

Keeping your score healthy.

Notes:

Bibliographic Level Mode of Issuance: Monograph

Includes index.

ISBN:

9780132823524

0132823527

9780132823494

0132823497

OCLC:

759496138