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Your Credit Score: How to Improve the 3-Digit Number That Shapes Your Financial Future (4th Edition) (Liz Pulliam Weston) Paperback – November 28, 2011
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From the Back Cover
-- Wall Street Journal Online
“A great credit score can help you finish rich! Liz 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 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 Weston. Her straight-talk and wise advice are invaluable to anyone with a credit card or checkbook--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 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 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
America’s Most Trusted Guide to Improving Your Credit Score...
Now Completely Updated!
• Boosting your score: what works now, what doesn’t--and what you should never do!
• Detailed new charts: How short sales, foreclosures, and missed payments impact your score
• Must-have information about credit score abuse--and how to fight back
• By award-winning MSN Money/AARP financial columnist and public radio contributor Liz Weston
Your credit score is more important than ever: not just for getting loans, but for getting jobs, insurance, rentals, and fair rates on all financial services. Now, more than ever, you need America’s #1 guide to credit scores: Your Credit Score, by MSN and AARP columnist Liz Weston.
Accurate, expert, and proven, this book tells you the truth--and it’s already helped many thousands of people take control of their credit scores. Now, it’s completely revamped for today’s massive changes--from FICO 8 to “FAKO,” short sales to employer abuse of credit scores.
Whatever your score, you need this information--to defend yourself, and to get the credit, rates, work, and home you deserve!
About the Author
Liz is a regular commentator on American Public Media’s Marketplace Money and has contributed to NPR’s “Talk of the Nation” and “All Things Considered.” She has appeared on Dr. Phil, Today Show, and NBC Nightly News, and was for several years a weekly commentator on CNBC’s Power Lunch.
Her advice on credit and finance has been featured in Consumer Reports, Marie Claire, Parents, Real Simple, Woman’s World, Woman’s Day, Good Housekeeping, Family Circle, and many other publications.
Formerly a personal finance writer for the Los Angeles Times, Weston has won numerous reporting awards, including the 2010 Betty Furness Consumer Media Award by the Consumer Federation of America, designed to honor individuals who have made “exceptional progress in American consumerism.”
Her other books include The 10 Commandments of Money, which the New York Times praised as “a wonderful basic personal finance book…[with] enough counterintuitive ideas to keep even people who know a bit about personal finance reading further.” She is also the author of Deal with Your Debt and Easy Money, both published by Pearson.
Weston is a graduate of the certified financial planner training program at University of California, Irvine. She lives in Los Angeles with her husband and daughter. She can be reached via the “Contact Liz” form on her Web site, AskLizWeston.com.
More About the Author
Her first book, "Your Credit Score," is the best-selling book on credit scoring and was recently published in a fourth edition. Her other recent books include "The 10 Commandments of Money" and the ebook "There Are No Dumb Questions About Money."
Liz's columns run twice a week on MSN Money, which reaches more than 12 million readers each month. Millions more read her question-and-answer column 'Money Talk,' which appears in newspapers throughout the country, including the Los Angeles Times, the Portland Oregonian, Stars & Stripes and others.
Liz has appeared on "The Dr. Phil Show," "The Today Show" and "CBS Evening News with Brian Williams" and is frequently featured on American Public Media's "Marketplace Money" and NPR's 'Talk of the Nation' and "All Things Considered." She was for several years a weekly commentator on CNBC's "Power Lunch."
Weston is a graduate of the certified financial planner training program at University of California, Irvine. She lives in Los Angeles with her husband and daughter. She can be reached via her Web site, AskLizWeston.com.
Top Customer Reviews
I would suggest, however, that if the reader's primary interest is the FICO score, they should first check out Understanding Your FICO Score, a 20-page booklet available free on the myfico.com website. This covers much of the material in Chapters 1 and 2 of Your Credit Score. If you want to learn more, I would then turn to Weston's book.
Readers who paid for a credit score online, expecting a FICO score, but receiving a VantageScore instead, will be particularly interested in Weston's Chapter 3. While the three major credit bureaus promote VantageScore as a superior alternative to FICO, Weston provides some valuable insights on the VantageScore vis-a-vis FICO; Weston also indicates free sources for VantageScore, saving the reader a typical $7.95 (or more) that many pay for this score.
So, my only caution to readers is that about one-half of the book has general applications for all readers and the other half is primarily relevant to those in financial distress. If you are not facing credit issues, you may wish to closely examine the Table of Contents to determine if Your Credit Score is right for you.
Some people may have enjoyed reading all the history of the credit industry, but for me it was boring and not helpful. I was disappointed.
The ways to improve your credit score are nothing new if you are fairly knowledgable about credit. It reinterates many of the basic tips that most are familiar with like ensuring there are no errors on your credit report and paying your bills on time.
I think this book would provide any person with some knowledge about credit and help those who have serious credit problems with a way to organize their clean-up game plan.
Worth reading for all.
This book left me feeling educated and empowered. In fact it's more than a book, but a manual on how to work this whole credit scoring system and personal finances in general to my maximum advantage.
The book covers ones FICO score, how it is calculated, what it means and how to improve it. The author explains why it is important and how it all works. She also includes information on how to repair your credit score if it is low. There is a section on credit-scoring myths and how to cope with a credit crisis. She talks about how to protect yourself from identity theft and has a chapter on fixing your credit score fast.
I learned several new things that surprised me, like the use of credit scores in getting insurance, and the fact that if you apply for a job your potential employer can look up your credit score. Scary! If your score is low, you may need that job to help repair it and get it up!I found this to be a good book. It is written in easy-to-read language and is easy to understand. -- Author, Valerie Lull, Ten Healthy Teas
Most Recent Customer Reviews
Great Book. This has taught me more about credit and how to maintain it or get it than anything I've ever read on the subject. Or heard for that matter. Read morePublished 12 months ago by Blackjetta
this book will TEACH you about all things credit.... helped me start on the road to recovering my credit score!Published 18 months ago by D McCaskill
This book gives a basic overview of credit management. It gives references and contact information as additional resources. Read morePublished 20 months ago by Nancy M.
This is a small but wonderful work on credit. The author makes the content easy to read and understand. Read morePublished 23 months ago by Wesley M. Bonds
I cranked through this book in about a day - totally worth the time to read it, and it's an easy read. Read morePublished on December 26, 2013 by RyCal