Download or read book Liz Weston on Personal Finance Collection written by Liz Weston and published by FT Press. This book was released on 2013-04-27 with total page 784 pages. Available in PDF, EPUB and Kindle. Book excerpt: A brand new collection of up-to-the-minute personal finance guidance from award-winning columnist Liz Weston… 4 authoritative books, now in a convenient e-format, at a great price! All the realistic, trustworthy money advice you need! 4 up-to-date books from Liz Weston, America’s #1 personal finance columnist Money! Debt. Credit Scores. Investments. Retirement. College. You need answers you can understand, trust, and actually use! That’s where Liz Weston comes in. In this amazing 4 book collection, America’s #1 personal finance columnist helps you create and execute your own action plan for long-term financial security. No hype, no lectures, no nonsense: just realistic, up-to-the minute help delivered in plain English. Start with the latest edition of Weston’s nationwide best-seller, Your Credit Score, Fourth Edition – complete with brand-new information on protecting (or rebuilding) the 3-digit number that rules your financial life. Learn how today’s credit scores work… exactly how much skipped payments, bankruptcies, and other actions will lower your score… how companies can and can’t use your score against you. Get crucial new information on “FAKO” alternative scores, short sales, foreclosures, FICO 8 mortgage scores, new credit risks from social networking and mobile banking, and how to fight score-related credit limit reductions or higher rates. Next, in Easy Money, learn how to simplify and take control of your financial life, now and forever! Weston takes on the problem everyone has: the sheer hassle of managing money! You’ll find practical guidance and easy checklists for investments, credit cards, insurance, mortgages, retirement, college savings, and more! Discover how to consolidate, delegate, and automate your finances…save time and money…and live a more rewarding, secure life. In Deal With Your Debt, Updated & Revised Edition , Weston offers up-to-the-minute help on averting disaster, recovering from serious money setbacks, getting real help, and taking action that works. Weston reveals why it’s simply impractical to “live forever debt free” - and why trying to do so can actually make you poorer. You’ll find up-to-the-minute strategies for calculating how much debt is safe, and assessing and paying off the right debts first... and if you’re too far in debt, Weston will gently and non-judgmentally guide you back into your “safety zone.” Finally, in There Are No Dumb Questions About Money, Weston offers up-to-date, common sense answers to the financial questions people ask most often. You’ll find quick, sensible advice on setting priorities… choosing investments… saving for college, home-buying, retirement, or other major expenses… getting past the pain, arguments, and guilt surrounding money, and doing what works! From award-winning personal finance expert Liz Weston

Download or read book How to Manage Your Finances Collection written by Liz Weston and published by FT Press. This book was released on 2013-08-22 with total page 616 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Download or read book Clean Up Your Finances Collection written by Liz Weston and published by FT Press. This book was released on 2013-08-08 with total page 630 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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!

Download or read book Liz Weston on Personal Finance Collection 2 e written by Liz Weston and published by . This book was released on 2013 with total page 913 pages. Available in PDF, EPUB and Kindle. Book excerpt: A brand new collection of up-to-the-minute personal finance guidance from award-winning columnist Liz Weston ... 4 authoritative books, now in a convenient e-format, at a great price! All the realistic, trustworthy money advice you need! 4 up-to-date books from Liz Weston, America's #1 personal finance columnist Money! Debt. Credit Scores. Investments. Retirement. College. You need answers you can understand, trust, and actually use! That's where Liz Weston comes in. In this amazing 4 book collection, America's #1 personal finance columnist helps you create and execute your own action plan for long-term financial security. No hype, no lectures, no nonsense: just realistic, up-to-the minute help delivered in plain English. Start with the latest edition of Weston's nationwide best-seller, Your Credit Score, Fourth Edition - complete with brand-new information on protecting (or rebuilding) the 3-digit number that rules your financial life. Learn how today's credit scores work ... exactly how much skipped payments, bankruptcies, and other actions will lower your score ... how companies can and can't use your score against you. Get crucial new information on "FAKO" alternative scores, short sales, foreclosures, FICO 8 mortgage scores, new credit risks from social networking and mobile banking, and how to fight score-related credit limit reductions or higher rates. Next, in Easy Money, learn how to simplify and take control of your financial life, now and forever! Weston takes on the problem everyone has: the sheer hassle of managing money! You'll find practical guidance and easy checklists for investments, credit cards, insurance, mortgages, retirement, college savings, and more! Discover how to consolidate, delegate, and automate your finances ... save time and money ... and live a more rewarding, secure life. In Deal With Your Debt, Updated & Revised Edition, Weston offers up-to-the-minute help on averting disaster, recovering from serious money setbacks, getting real help, and taking action that works. Weston reveals why it's simply impractical to "live forever debt free"--And why trying to do so can actually make you poorer. You'll find up-to-the-minute strategies for calculating how much debt is safe, and assessing and paying off the right debts first ... and if you're too far in debt, Weston will gently and non-judgmentally guide you back into your "safety zone." Finally, in There Are No Dumb Questions About Money, Weston offers up-to-date, common sense answ ...

Download or read book How to Manage Your Bills Collection written by Liz Weston and published by FT Press. This book was released on 2013-08-14 with total page 597 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.) Debtors need an up-to-date guide that can help them 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. In this extensively updated guidebook, Weston shows which debts can actually help build wealth over time, and which are simply toxic. She presents up-to-date, real-world strategies for assessing and paying off debt, including money-saving insights on which debts to tackle first. She also offers practical guidelines for assessing how much debt is safe -- and compassionate, realistic guidance for people who've gone beyond the safety zone. In There Are No Dumb Questions About Money , nationally-renowned personal finance journalist and best-selling author Liz 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.

Download or read book There Are No Dumb Questions About Money written by Liz Weston and published by FT Press. This book was released on 2012-08-23 with total page 291 pages. Available in PDF, EPUB and Kindle. Book excerpt: Up-to-Date, Common-Sense Money Answers, from the Internet's #1 Personal Finance Journalist! • Quick, bite-size advice you can understand, trust, and use • Save for retirement, college, or anything else • Pay off debt, the smart way • By award-winning MSN Money/AARP financial columnist and CNBC contributor Liz Weston You can build financial security--and you don't need to be a rocket scientist to do it. This book brings together all the help you'll need, in common-sense language anyone can understand. It's organized around the questions real people have asked Liz Weston, the Internet's #1 financial columnist. Weston's answers are simple, accurate, and up-to-date... and best of all, you can use them. Here are powerful, sensible ways to get out of debt... set financial priorities for a better life... and save for everything from college to retirement. Weston offers realistic, up-to-date help with everything from investing to home buying, from improving your credit score to avoiding identity theft. You'll also learn how to master the emotions of money: to get past the pain, arguments, and guilt, and do what works.

Download or read book Your Credit Score written by Liz Pulliam Weston and published by FT Press. This book was released on 2012 with total page 241 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Download or read book Easy Money written by Liz Weston and published by FT Press. This book was released on 2007-11-09 with total page 218 pages. Available in PDF, EPUB and Kindle. Book excerpt: Pulliam Weston (Your Credit Score), columnist for MSN Money and author of the nationally syndicated column "Money Talk," provides a practical, easy-to-understand guide to taking control of personal finances and establishing financial security. Like most financial advice books, this collection covers the basics, such as creating a financial toolkit, investing, planning for retirement and saving for college. While Pulliam Weston provides insights into these areas-especially for those without a financial background-she also charts new territory with her "60 Percent Solution" and "50/30/20 Plan," both aimed at spending control, as well as getting the most out of your credit cards and what to do if you've overspent on a car purchase. An advocate of online banking, Pulliam Weston maps out the right way to pay bills and advocates account aggregation and consolidation. She also provides a useful resource guide for finding a financial planner, a tax professional and an estate planning attorney. Checklists are included in each chapter, as well as helpful charts and tables that aid in getting and staying organized. This book will be a valuable guide on the path to financial control and security. --Publishers Weekly “If you want to simplify your life and make solid decisions—fast—this book is your answer. It’s one more reason Liz remains one of America’s most trusted financial columnists. Quick, easy, and empowering!” —Jennifer Openshaw, Author of The Millionaire Zone and CEO, WinningAdvice.com “As usual, Liz cuts to the chase to provide readers with practical, easy to implement tips for living a rich life. If you follow only half of her on-the-money recommendations you’ll be exponentially better off tomorrow than you are today.” —Lois P. Frankel, Ph.D., Author of Nice Girls Don’t Get Rich and Nice Girls Don’t Get the Corner Office Simplify your financial life... now and forever! • By the Internet’s #1 personal finance expert, MSN’s Liz Pulliam Weston • Stop feeling overwhelmed by your finances: take control, the easy way! • Save time, avoid mistakes, and help secure your future Common sense. Easy solutions. Plain English. Best selling author, Liz Pulliam Weston, takes on the problem everyone has, and nobody talks about: the sheer hassle of managing your money! Weston offers practical guidance and easy checklists for every decision: investments, credit cards, insurance, mortgages, retirement, college savings, and more! Discover how to consolidate, delegate, and automate your finances...save time and money...and live a more rewarding, secure life! www.lizweston.com

Download or read book Deal with Your Debt written by Liz Weston and published by FT Press. This book was released on 2013-02-19 with total page 303 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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. Weston reveals why most "conventional wisdom" about debt is just dead wrong. For most people, it's simply impractical to pay off every dime of debt, and live forever debt free. In fact, doing that can leave you a lot poorer in the long run. You're more likely to give up, or pay off the wrong debts. You could leave yourself too little flexibility to survive a financial crisis. You could neglect saving for retirement. You might even wind up in bankruptcy -- just what you're trying to avoid! For most people, it's smarter to control and manage debt effectively. In this extensively updated guide, Weston shows how to do that. You'll learn which debts can actually help build wealth over time, and which are simply toxic. You'll find up-to-date, real-world strategies for assessing and paying off debt, money-saving insights on which debts to tackle first, and crucial information about everything from debt consolidation loans to credit scores and credit counseling. Weston offers practical guidelines for assessing how much debt is safe -- and compassionate, realistic guidance if you've gone beyond the safety zone. If you've ever worried about debt, you'll find the new edition of Deal with Your Debt absolutely indispensable.

Download or read book Liz Weston on Personal Finance Collection written by Liz Weston and published by FT Press. This book was released on 2012-03-05 with total page 610 pages. Available in PDF, EPUB and Kindle. Book excerpt: Top financial columnist Liz Weston helps you build your credit score -- and your entire financial future! Millions of people now turn to Liz Weston for plain-English, common sense advice on building wealth and financial security — in fact, she’s now the Internet’s most read financial columnist! Now, in two remarkable eBooks, Weston delivers indispensable up-to-the-minute guidance for maximizing your all important credit score, simplifying your finances, and getting what you want out of life! In Your Credit Score, Fourth Edition, Weston reveals crucial new information about protecting (or rebuilding) the three digit number that’s now being used by everyone from lenders to potential employers, insurers to cellphone carriers. Weston thoroughly covers new credit laws … explains the new “FAKO” alternative scores… offers up-to-the-minute coverage of short sales, foreclosures, and the FICO 8 Mortgage Score … helps you protect yourself against new credit risks, fight lower limits and higher rates, rebound from bad credit, and choose credit “solutions” that help, not hurt! Next, in Easy Money, Weston offers a practical, easy-to-understand guide to taking control of all your personal finances — for the rest of your life! You’ll walk through all the fundamentals, from investing to retirement and college planning… discover new ways to control your spending and reduce your financial services costs… learn how to get the most out of your credit cards… even learn what to do if you’ve overspent on your most recent car purchase! Packed with checklists and charts, this easy-to-use book puts you back in charge of your money, where you belong!

Download or read book Liz Weston on Personal Finance written by and published by . This book was released on 2012 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The 10 Commandments of Money written by Liz Weston and published by Penguin. This book was released on 2011-01-20 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: From the #1 personal finance columnist on the Internet (Nielsen/NetRatings)-a clear prescription for financial health in the 2010s and beyond. For previous generations, living within your means was a simple formula. Now, with the staggering rise in education, health care, and housing costs, millions of people find themselves skating from paycheck to paycheck with no idea how to move forward. As the most-read personal finance columnist on the Internet, Liz Weston has heard the questions and has the answers. Her 10 Commandments of Money will help readers avoid critical mistakes, survive the bad times, and thrive in the good ones. Just a few of Weston's invaluable pointers include how to: • Balance Your Budget • Pay Down Toxic Debt • Get the Right Mortgage • Pay for College • Save for Retirement • Maximize Your Financial Flexibility Liz Weston's goal is to provide THE practical guide to the brave new world of money. What Sylvia Porter's Money Book was to the 1970s, The 10 Commandments of Money will be for the 2010s. Watch a Video

Download or read book All Your Worth written by Elizabeth Warren and published by Simon and Schuster. This book was released on 2006-01-09 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: The bestselling mother/daughter coauthors of "The Two-Income Trap" now pen an essential guide to the five simple keys to lasting financial peace.

Download or read book Your Credit Score written by Liz Weston and published by FT Press. This book was released on 2015-10-05 with total page 324 pages. Available in PDF, EPUB and Kindle. Book excerpt: Improve your credit score, for real, with the #1 best-selling guide you can trust! Today, a good credit score is essential for getting credit, getting a job, even getting car insurance or a cellphone. Now, best selling journalist Liz Pulliam Weston has thoroughly updated her top-selling guide to credit scores, with crucial new information for protecting (or rebuilding) yours. Weston thoroughly covers brand-new laws and rules surrounding credit scoring — including some surprising good news and some frightening new risks. Don’t settle for an out-of-date guide to credit scoring, when Your Credit Score, Fifth Edition offers brand-new coverage of all this, and more: Recent consumer-friendly reforms in lending, credit score calculation, and credit bureau behavior — and how to take advantage of them How you can finally get your credit disputes reviewed by an actual human being Why recent medical debts shouldn’t impact your score anymore How to get a legitimately free FICO score without getting ripped off How lenders have recently loosened their criteria, making it easier to get loans even if your credit isn’t perfect Important new options for student loan borrowers — including brand-new ways to dramatically limit your payments How tax refund fraud is soaring — and the one little-known way to avoid becoming a victim The disappearance of "manual underwriting": why it’s now virtually impossible to get a mortgage without credit scores Weston updates her guidance on raising your FICO 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... explodes both new and old myths about credit scoring... and much more. Your Credit Score is for every consumer who is concerned about improving or protecting their credit — and it’s so up-to-date and useful, thousands of financial professionals use it, too!

Download or read book Don t Fall For It written by Ben Carlson and published by John Wiley & Sons. This book was released on 2020-01-02 with total page 198 pages. Available in PDF, EPUB and Kindle. Book excerpt: Learn financial and business lessons from some of the biggest frauds in history Why does financial fraud persist? History is full of sensational financial frauds and scams. Enron was forced to declare bankruptcy after allegations of massive accounting fraud, wiping out $78 billion in stock market value. Bernie Madoff, the largest individual fraudster in history, built a $65 billion Ponzi scheme that ultimately resulted in his being sentenced to 150 years in prison. People from all walks of life have been scammed out of their money: French and British nobility looking to get rich quickly, farmers looking for a miracle cure for their health ailments, several professional athletes, and some of Hollywood’s biggest stars. No one is immune from getting deceived when money is involved. Don’t Fall For It is a fascinating look into some of the biggest financial frauds and scams ever. This compelling book explores specific instances of financial fraud as well as some of the most successful charlatans and hucksters of all-time. Sharing lessons that apply to business, money management, and investing, author Ben Carlson answers questions such as: Why do even the most intelligent among us get taken advantage of in financial scams? What make fraudsters successful? Why is it often harder to stay rich than to get rich? Each chapter in examines different frauds, perpetrators, or victims of scams. These real-life stories include anecdotes about how these frauds were carried out and discussions of what can be learned from these events. This engaging book: Explores the business and financial lessons drawn from some of history’s biggest frauds Describes the conditions under which fraud tends to work best Explains how people can avoid being scammed out of their money Suggests practical steps to reduce financial fraud in the future Don’t Fall For It: A Short History of Financial Scams is filled with engrossing real-life stories and valuable insights, written for finance professionals, investors, and general interest readers alike.

Download or read book Retirement Stepping Stones written by Tony Hixon and published by Greenleaf Book Group. This book was released on 2021-09-14 with total page 186 pages. Available in PDF, EPUB and Kindle. Book excerpt: Continue a life of meaning beyond retirement In 2002, with his business partner, Adam Zuercher, Tony Hixon launched Hixon Zuercher Capital Management—a fee-only wealth management firm. Tony wanted to help clients ensure that they wouldn’t outlive their money—and possibly even have enough saved to accomplish their bucket-list goals. However, after several years of running a numbers-first business and serving his clients well in their financial lives, a family crisis changed his thinking. Tony’s mother retired from her job as the director of a hospice agency, and she quickly fell into a deep depression as she lost her purpose and fulfillment derived from a lifelong career she had been passionate about. On March 22, 2011, Tony’s mother tragically took her own life. After this life-changing tragedy, Tony made it his goal to help pre-retirees not repeat the mistakes his mom made as she transitioned from her career into retirement. You need a plan for both your finances and your lifestyle. Retirement Stepping Stones will help ensure that your retirement brings you pleasure, serenity of mind, and the enjoyment of a life well-lived. That your transition is from success to significance. That you find a newfound hope and a newfound purpose. That retirement brings you your best years.

Download or read book Your Credit Score Your Money What s at Stake Updated Edition written by Liz Weston and published by FT Press. This book was released on 2009-02-09 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt: “A great credit score can help you finish rich! Liz Pulliam 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 Pulliam 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 Pulliam Weston. Her straight-talk and wise advice are invaluable to anyone with a credit card or check book—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 Pulliam 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 Pulliam 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 The #1 Best-Selling Guide to Improving Your Credit Score... Now Thoroughly Updated for the Financial Crisis! In post-crash America, it’s tough to get credit...and even tougher to get rates and terms you can afford. That makes your credit score more important than ever before. Now, MSN Money/L.A. Times personal finance columnist Liz Pulliam Weston has updated her best-selling book on credit scores to show how you can maximize your score right now—and save yourself a fortune! Weston reveals the tough new realities of borrowing and credit scoring, and shows why they aren’t going to change any time soon. She rips away the mystery surrounding credit scoring, including the FICO 08 overhaul, and tells you exactly how to use the new system to maximize your score. You’ll learn how to fight back against lenders who want to lower your limits or raise your rates...bounce back from bad credit and bankruptcy...choose the right credit solutions and avoid options that only make things worse. One step at a time, Weston will help you build (or rebuild) your credit score—so you can get the credit you need and deserve! Survive a credit crisis, one step at a time How to protect or rebuild your credit score after a major financial setback Fix your credit score in as little as 72 hours Rapid rescoring: what it can fix, what it can’t fix, and how to use it Don’t let the myths of credit scoring cost you a fortune! What you’ve been told just isn’t true: how credit scores really work What drives your score—and what doesn’t The real impact of credit cards, loans, late payments, inquiries, credit counseling, and more