{ "item_title" : "Credit Score Mastery", "item_author" : [" T. Scott "], "item_description" : "Your credit score determines whether you can rent an apartment. Whether your car insurance costs $90 per month or $180. Whether you qualify for a mortgage and at what interest rate - a difference that can add up to $40,000 or more over the life of a loan. And most Americans have only a vague idea of how it works.The credit scoring system is not designed to be transparent. It serves lenders, not borrowers. The formulas are proprietary. But the system is knowable. And once you understand how it really works - not the myths and misconceptions that circulate widely - it becomes manageable and improvable.Credit Score Mastery gives you the complete picture: how scores are calculated, what moves them up and down, and exactly what to do to build, rebuild, or optimize your score for your specific situation.Inside this book you will find: A clear, demystified explanation of exactly how credit scores are calculated - the five factors, their exact weights, and what each one actually means in practiceHow to read your credit report line by line and identify what is helping and hurting your scoreThe step-by-step dispute process for correcting errors - including why you never need to pay a credit repair companyThe fastest legitimate strategies for raising your score: balance paydown, authorized user status, credit limit increases, and the statement timing trick most people do not knowHow to build credit from scratch if you are starting with no credit historyHow to rebuild a damaged score after late payments, collections, or bankruptcy - with a realistic timelineThe truth about credit cards: the one rule that makes them a financial tool rather than a trapHow credit inquiries actually work - and why rate shopping for a mortgage does not hurt your scoreSeven widespread credit score myths, debunked with accurate informationHow to freeze your credit for free at all three bureaus - the single most effective protection against new-account fraudThe 6-month pre-purchase optimization plan for anyone preparing to apply for a mortgage or major loanThe real math on how much your credit score affects your mortgage rate - and what a 100-point difference costs over 30 yearsYour credit score is not a fixed feature of your financial identity. It is a dynamic number that responds to specific, deliberate actions. This book tells you exactly what those actions are.Credit Score Mastery is Book 4 in the Money Smart Series, the natural next step after Budget Like a Pro, Destroy Your Debt, and Build Your Emergency Fund.", "item_img_path" : "https://covers4.booksamillion.com/covers/bam/9/79/818/664/9798186646815_b.jpg", "price_data" : { "retail_price" : "13.99", "online_price" : "13.99", "our_price" : "13.99", "club_price" : "13.99", "savings_pct" : "0", "savings_amt" : "0.00", "club_savings_pct" : "0", "club_savings_amt" : "0.00", "discount_pct" : "10", "store_price" : "" } }

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