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Clean Up Your Finances (Collection)
- By Liz Weston
- Published Aug 8, 2013 by FT Press.
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Description
- Copyright 2013
- Edition: 1st
- EPUB (Watermarked)
- ISBN-10: 0-13-359887-X
- ISBN-13: 978-0-13-359887-2
Struggling with debt? Get realistic help that's actually useful, from Liz Weston, one of the most popular and respected personal finance experts! Today, people struggling with debt have far fewer options: lenders are stingier, which makes it harder to avert disaster, or to recover from setbacks like foreclosure, short sales, or bankruptcy. (Meanwhile, people with good credit have more options than ever, including some of the lowest interest rates in decades.) You need an up-to-date guide that can help you assess options, find help, discover opportunities, and take action that works. Liz Weston's Deal with Your Debt, Updated and Revised Edition is that guide. You'll learn which debts can actually help build wealth over time, and which are simply toxic. Weston offers practical guidelines for assessing how much debt is safe -- and compassionate, realistic guidance if you've gone beyond the safety zone. 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. 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. 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!
Sample Content
Table of Contents
Deal With Your Debt
Introduction xvi
Chapter 1 Isn’t Debt-Free the Way to Be? 1
Chapter 2 Your Debt Management Plan 15
Chapter 3 Credit Cards 39
Chapter 4 Mortgages 63
Chapter 5 Home Equity Borrowing 85
Chapter 6 Student Loans 99
Chapter 7 Auto Loans 119
Chapter 8 401(k) and Other Retirement Plan Loans 133
Chapter 9 Loans You Don’t Want to Get--or Give 147
Chapter 10 Dealing with a Debt Crisis 159
Chapter 11 Putting Your Debt Management Plan into Action 177
Index 195
Your Credit Score
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