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Book Your Credit Score  Your Money   What s at Stake  Updated Edition

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

Book Your Credit Score  Your Money   What      s at Stake  Updated Edition   How to Improve the 3 Digit Number That Shapes Your Financial Future

Download or read book Your Credit Score Your Money What s at Stake Updated Edition How to Improve the 3 Digit Number That Shapes Your Financial Future written by Liz Pulliam Weston and published by . This book was released on 2009 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Book Your Credit Score

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.

Book Your Credit Score  Your Money   What s at Stake  Updated Edition

Download or read book Your Credit Score Your Money What s at Stake Updated Edition written by Liz Weston and published by . This book was released on 2009 with total page 224 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 y ...

Book Your Credit Score

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!

Book Your Credit Score  Your Money   What s at Stake

Download or read book Your Credit Score Your Money What s at Stake written by Liz Pulliam Weston and published by Financial Times/Prentice Hall. This book was released on 2009 with total page 0 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 ofThe Automatic MillionaireandThe 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 ofPersonal 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 ofNice Girls Don’t Get the Corner OfficeandNice 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 of100 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

Book The Offensive Internet

    Book Details:
  • Author : Saul Levmore
  • Publisher : Harvard University Press
  • Release : 2012-05-07
  • ISBN : 0674064313
  • Pages : 308 pages

Download or read book The Offensive Internet written by Saul Levmore and published by Harvard University Press. This book was released on 2012-05-07 with total page 308 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Internet has been romanticized as a zone of freedom. The alluring combination of sophisticated technology with low barriers to entry and instantaneous outreach to millions of users has mesmerized libertarians and communitarians alike. Lawmakers have joined the celebration, passing the Communications Decency Act, which enables Internet Service Providers to allow unregulated discourse without danger of liability, all in the name of enhancing freedom of speech. But an unregulated Internet is a breeding ground for offensive conduct. At last we have a book that begins to focus on abuses made possible by anonymity, freedom from liability, and lack of oversight. The distinguished scholars assembled in this volume, drawn from law and philosophy, connect the absence of legal oversight with harassment and discrimination. Questioning the simplistic notion that abusive speech and mobocracy are the inevitable outcomes of new technology, they argue that current misuse is the outgrowth of social, technological, and legal choices. Seeing this clearly will help us to be better informed about our options. In a field still dominated by a frontier perspective, this book has the potential to be a real game changer. Armed with example after example of harassment in Internet chat rooms and forums, the authors detail some of the vile and hateful speech that the current combination of law and technology has bred. The facts are then treated to analysis and policy prescriptions. Read this book and you will never again see the Internet through rose-colored glasses.

Book The 10 Commandments of Money

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

Book Custom Version of Your Credit Score

Download or read book Custom Version of Your Credit Score written by Liz Pulliam Weston and published by Prentice Hall. This book was released on 2005-05-16 with total page 196 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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

Book Your Credit Score

Download or read book Your Credit Score written by Liz Weston and published by . This book was released on 2011 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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. 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 credit ratings, 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. Learn how to protect yourself against new credit risks from social networking and mobile banking and how to safeguard 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!

Book Your Credit Score

Download or read book Your Credit Score written by Liz Pulliam Weston and published by . This book was released on 2005 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Book Your Credit Score

Download or read book Your Credit Score written by Liz Weston and published by . This book was released on 2015 with total page 240 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!

Book Your Credit Score

Download or read book Your Credit Score written by Liz Pulliam Weston and published by . This book was released on 2005 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: A complete action plan for improving your credit score - starting today! Information that could save you thousands on credit and insurance even help you get your next job!

Book Master Your Credit Score

Download or read book Master Your Credit Score written by Ifeoluwa Adediran and published by Independently Published. This book was released on 2024-06-16 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Discover how to get a credit score of 750 or higher easily with "Master Your Credit Score: Achieve 750+." This book explains everything you need to know about credit scores and how they affect your money. It gives you practical tips to improve your credit, whether you're just starting out, having money problems, or planning for retirement. This book is perfect for anyone who wants better loan terms, lower interest rates, or other financial benefits that come with a good credit score. You'll learn how credit scores work, how to read your credit reports, handle credit inquiries wisely, and pay off debts strategically. It's all about boosting your credit score to 750 or higher. If complex financial terms or avoiding credit mistakes concern you, this book simplifies everything. It provides a straightforward plan to help you confidently manage credit challenges. Take control of your financial future today. Get "Master Your Credit Score: Achieve 750+" now and start your journey to financial success. Live long and prosper!

Book High Credit Score Secrets   The Smart Raise And Repair Guide to Excellent Credit

Download or read book High Credit Score Secrets The Smart Raise And Repair Guide to Excellent Credit written by Thomas Herold and published by Independently Published. This book was released on 2019-11-26 with total page 299 pages. Available in PDF, EPUB and Kindle. Book excerpt: Poor Credit Score Could Cost You Hundreds of Thousands of Dollars! Increasing your score from 'fair' to 'good' saves you an average of $86,200* over a lifetime. Image what you could do with that money. Did you know that 82% of financial problems are due to a lack of credit card knowledge? With over 75 million people in the United States in need of credit improvement or repair, one of the largest issues is the lack of credit know-how. A good credit score is essential if you want to enjoy financial freedom. Learn How to Use Credit Cards to Build Good Credit Good credit doesn't happen overnight. Discover the most effective strategies to boost your credit score from as low as 450 points to over 810. Understand the tactics to build excellent credit for yourself and how to guard that good score for a lifetime. Improve Your Credit Score in 45-60 Days or Less This practical credit compendium reveals over 50 ways you can instantly boost your credit rating. Understand the exact mathematical algorithm that all 3 major credit bureaus use to calculate your credit score. Learn what actions you can take to improve your credit score and what behavior will demote it. High Credit Score Secrets Reveals: * How to get free credit reports and monitoring services * Quick solutions to the most common credit problems * Best credit practice based on age and profession * What credit cards to use based on your financial needs * Understand exactly what credit agencies are looking for * Most effective ways to build and improve your credit score * Step-by-step process to settling your debts * Best identity theft protection and monitoring services Includes simple and easy to follow instructions on how to handle credit bureaus if they refuse to remove inaccurate, unverifiable and questionable information. What you need to know about the recent consumer-friendly reforms in lending, credit score calculation, and credit bureau behavior. You Are in Good Hands with Thomas Herold Thomas Herold is the author of over 35 financial books. He published the 'Herold Financial IQ Series', which explains over 1000 financial terms in 16 editions. He is an expert in the financial world and understands how to educate and teach in simple and easy ways. Smart Do It Yourself Credit Repair Learn the exact methods that the credit bureaus don't want you to know. Apply the simple step-by-step process the experts use to delete all derogatory items from your credit reports. Bankruptcies, late payments, repossession, collections, judgments, liens, etc. Imagine being pre-qualified for your dream home, the car you always wanted, the lowest interest on any loan, and credit cards with zero interest rates over long periods of time. Don't let bad credit hold you back from achieving financial freedom. Your credit score not only influences all your future choices, but it also can save you thousands of dollars. In today's financial driven world it is the most critical decision to keep educating yourself. You Deserve to Have Good Credit Don't be afraid to step up and get a handle on your credit score and report. It's not rocket science and you have the right to know how you can get good credit and keep it. Start raising your credit score - get your paperback copy now or choose the Kindle edition.

Book Improve and Increase Your Credit Score

Download or read book Improve and Increase Your Credit Score written by Jason R. Rich and published by Entrepreneur Press. This book was released on 2013-02-08 with total page 393 pages. Available in PDF, EPUB and Kindle. Book excerpt: Bestselling author Jason R. Rich joins forces with top credit experts and delivers an insider’s guide to credit. Revealing jaw-dropping secrets, strategies and tools, Rich and his team of industry insiders show consumers how to get out from under any credit crunch, and get back in control of their financial future. Reveals how to increase a credit score, remove incorrect and negative information from credit reports, rebuild destroyed credit, and ultimately, save hundreds, possibly thousands, of dollars every month! •Boost credit scores and overall rating •Work with collection agencies, creditors, and lenders to pay off debts and overcome past mistakes •Get the best rates on credit cards, auto loans, and mortgages and start saving •Avoid the most common financial and credit-related mistakes made by millions •Learn how to identify and avoid “credit repair” and “credit score boosting” scams •Use online solutions to better manage your finances and credit cards •And more Includes worksheets, exclusive interviews with credit experts and supplemental resources.

Book Credit Scores and You

    Book Details:
  • Author : Richard Johnson
  • Publisher : Dog Ear Publishing
  • Release : 2011
  • ISBN : 145750121X
  • Pages : 114 pages

Download or read book Credit Scores and You written by Richard Johnson and published by Dog Ear Publishing. This book was released on 2011 with total page 114 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Credit Scores and You" is the definitive guide on how to create, maintain, or repair your credit score. Knowing how to get your credit score over 700 and to keep it there can save you tens of thousands of dollars over the course of your lifetime. The book is the result of the author's desire to give financial direction and inspiration to his two sons as they grew into young adults. His career in lending and the financial world has provided a keen understanding of what is required to build a solid financial base, and how vitally important an excellent credit score has become in business, and in day-to-day life. It shares real life experiences, and provides information on getting started in finances, handling money, and how to build your credit history. Learning about trade lines, the credit scoring system, and when to consider various loan products is discussed. How your credit history impacts what you do and what it can cost you over time is the essence of this subject. A good credit score involves much more than what it will cost for a particular loan product. Your credit score is considered when you apply for a job, when you are looking for housing, and how the insurance company views you as customer. That simple three-digit number has become more profound since the mid 1990's than ever before. Your credit score will determine whether or not you are approved for a loan product. In many cases it will also dictate how much you will pay in interest rates and fees. Excellent credit scores will open many more doors and save you money. A good credit score will also help you when applying for a job. Many employers will run a credit check along with a background check before they will consider a candidate for employment. High or low credit scores are considered a reflection on how an applicant may perform on the job. Insurance companies have their own methods for determining risk, and charge insurance premiums based on that data. Credit scores in recent years have become one of the factors that they look at on an insurance application. High or low credit scores can be one of the determining factors in what they charge. Having an understanding of the importance of a great credit score should not be underestimated. 'Credit Scores and You' will give the reader an excellent basis for getting on the right track toward financial wellness.