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In Your Credit Score: How to Improve the 3-Digit Number That Shapes Your Financial Future, fourth edition, Weston thoroughly covers brand-new laws changing everything from how your credit score can be used to how you can communicate with collectors. Weston also updates her guidance on using FICO 08 to raise your 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… and much more!
In There Are No Dumb Questions About Money, Weston answers your most pressing questions, helping you navigate today's more-complicated-than-ever financial world. Through real-life reader questions and clear, to-the-point answers, Weston shows how to manage your spending, figure out what you can and can't afford, and choose the smartest ways to pay off your debt. You'll discover why most investment strategies don't work, and identify better ways to save for retirement. But you'll also learn to handle the trickier, emotional side of money: how to avoid fights with your partner, deal with spendthrift children or parents, and spot con artists or lousy advisors before you get robbed. Using humor, keen insight, and time-tested financial planning principles, Weston can help you wrangle your money into shape -- and find your own path to financial freedom.
Your Credit Score: How to Improve the 3-Digit Number That Shapes Your Financial Future, 4/e
Introduction xxii
Chapter 1 Why Your Credit Score Matters 1
Chapter 2 How Credit Scoring Works 15
Chapter 3 FICO Versus “FAKO”--Competitors to the Leading Score 39
Chapter 4 Improving Your Score--The Right Way 51
Chapter 5 Credit-Scoring Myths 71
Chapter 6 Coping with a Credit Crisis 83
Chapter 7 Rebuilding Your Score After a Credit Disaster 109
Chapter 8 Identity Theft and Your Credit 133
Chapter 9 Emergency! Fixing Your Credit Score Fast 157
Chapter 10 Insurance and Your Credit Score 167
Chapter 11 Can Bad Credit Cost You a Job? 183
Chapter 12 Keeping Your Score Healthy 189
Index 205
Introduction 1
Chapter 1 Balanced Budget, Balanced Life: Setting Your Financial Priorities 5
Chapter 2 Slay the Debt Dragon 21
Chapter 3 Burnish Your Credit Score 39
Chapter 4 Couples and Money 59
Chapter 5 Family Money: Keeping the Financial Peace 75
Chapter 6 How to Stop Working Someday: Saving and Investing for Retirement 89
Chapter 7 Protect What You Have 105
Chapter 8 Identity Theft 117
Chapter 9 Home Sweet Home: What You Need to Know About Real Estate 127
Chapter 10 Pay for College Without Going Broke 145
Chapter 11 Find an Advisor You Can Trust 165
Chapter 12 At the End: Caring for Elders and Planning Your Estate 173
Index 191