Title Page
by Liz Weston
Your Credit Score: How to Improve the 3-Digit Number That Shapes Your Financial Future, Fifth Edition
- About This eBook
- Title Page
- Copyright Page
- Praise for the Previous Edition of Your Credit Score
- Contents
- Acknowledgments
- About the Author
- Introduction
- 1. Why Your Credit Score Matters
- 2. How Credit Scoring Works
- 3. VantageScore—A FICO Rival Emerges
- 4. Improving Your Score—The Right Way
- 5. Credit-Scoring Myths
- Myth 1: Closing Credit Accounts Will Help Your Score
- Myth 2: You Can Boost Your Score by Asking Your Credit Card Company to Lower Your Limits
- Myth 3: You Can Hurt Your Score by Checking Your Own Credit Report
- Myth 4: You Can Hurt Your Score by Shopping Around for the Best Rates
- Myth 5: You Don’t Have to Use Credit to Get a Good Credit Score
- Myth 6: You Have to Pay Interest to Have a Good Credit Score
- Myth 7: Adding a 100-Word Statement to Your File Can Help Your Score if You Have an Unresolved Dispute with a Lender
- Myth 8: Your Closed Accounts Should Read “Closed by Consumer,” or They Will Hurt Your Score
- Myth 9: Credit Counseling Is Worse Than Bankruptcy
- Myth 10: Bankruptcy Hurts Your Score So Much That It’s Impossible to Get Credit
- 6. Coping with a Credit Crisis
- Step 1: Figure Out How to Free Up Some Cash
- Step 2: Evaluating Your Options
- The Real Scoop on Credit Counseling
- Debt Settlement: A Risky Option
- Should You File for Bankruptcy?
- The Effects of Bankruptcy Reform
- The Type of Bankruptcy That You File Matters
- Should You Walk Away from Your Home?
- Step 3: Choose Your Path and Take Action
- 7. Rebuilding Your Score After a Credit Disaster
- 8. Identity Theft and Your Credit
- Options That Might Help
- How to Reduce Your Exposure to Identity Theft
- Buy a Shredder
- Get a Locking Mailbox
- Protect Your Outgoing Mail
- Be Careful with Your Tax Returns
- Keep Your Financial Documents Under Lock and Key
- Get Stingy with Your Social Security Number
- Know What’s in Your Wallet
- Ask About Shredding Policies
- Don’t Let Your Debit Card out of Your Sight
- Monitor Your Accounts
- Opt Out of Credit Card Solicitations, Junk Mail, and Telemarketing
- Be Cautious About Using Your Smartphone for Financial Matters
- Be Wary of Telephone Solicitors and Emails Purporting to Be from Financial Institutions
- Be Smarter About Social Media
- Safeguard Your Social Security Number
- Monitor Your Credit Reports
- Consider a Credit Freeze
- What to Do if You’re Already a Victim
- Keep Good Notes of Every Conversation You Have Regarding the ID Theft
- Contact the Credit Bureaus by Phone and Then with a Follow-Up in Writing
- Contact the Creditors by Phone and Then Follow Up in Writing
- Contact the Police or Local Sheriff
- Contact Bank and Checking Verification Companies
- Contact the Collection Agencies
- Get Legal Help
- Don’t Give Up
- What to Do if the Credit Bureau Won’t Budge
- 9. Emergency! Fixing Your Credit Score Fast
- 10. Insurance and Your Credit Score
- 11. Can Bad Credit Cost You a Job?
- 12. Keeping Your Score Healthy
- Index
Your Credit Score
How to Improve the 3-Digit Number
That Shapes Your Financial Future
Fifth Edition
Liz Weston
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