Your Credit Score, 4th Edition

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: You’re now being judged on your credit score by everyone from employers to cellphone 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 scores, 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… guidance on protecting yourself against new credit risks from social networking and mobile banking… expanded coverage of credit scoring by insurers… and an all-new chapter on safeguarding 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!

From the Back Cover
“Recommended reading!”
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

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!

Book Details

  • Paperback: 288 pages
  • Publisher: FT Press; 4th Edition (November 2011)
  • Language: English
  • ISBN-10: 0132823497
  • ISBN-13: 978-0132823494
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