About this item

The most comprehensive insider's look at what every consumer needs to know about their credit score - and most importantly, how to fix it Like it or not, a healthy credit score is essential if you want to participate in today's financial world. But very few people actually understand how their credit score is determined. Worse yet, most don't know how their score is used by all kinds of companies and banks to dictate financial terms that will strongly affect their daily lives.When consumers interact with the world of credit, they do so from a position of weakness. In Your Score, Anthony Davenport aims to change that. Finally, here is a road map for navigating the confusing world of consumer credit. Drawing on the real stories of his own firm's high-profile clients, as well as the stories of middle-class Americans, he reveals the hidden credit pitfalls that await even the most careful consumer and shares smart strategies to avoid them. An accessible but detailed manual, Your Score finally lets readers take control of their credit score, understand how to play the game, and gain an insider's knowledge of how to better navigate the most important financial decisions of their lives.



About the Author

Anthony Davenport

The financial crisis that hit in August 2007 changed the lives of millions of Americans. For Anthony Davenport, the stress and shock of the changes in the financial world were the forces that transformed his career - from being on the other side of the desk as a loan origination executive for a bank to becoming a financial literacy and consumer credit expert who has dedicated his life to helping clients solve some of their most difficult challenges.

After graduating from Washington State University, Davenport started his professional career as a loan officer for Bank of America in its Seattle office. His skill as a relationship builder helped him quickly become one of the top originators in the region. Davenport moved on to Wells Fargo - where he started his advanced training in the intricacies of the home mortgage business.

Ironically, it was as Davenport ascended to the highest levels of Wells Fargo's sales structure that he noticed the mistakes, misinformation and pure arbitrariness in credit reports that were costing uninformed consumers tens of thousands of dollars in extra interest on their loans.

As the home mortgage market was being fundamentally altered in the financial crisis, Davenport resolved to go out on his own and build a company that would help people avoid the old pitfalls that caught so many of the clients he had seen at Bank of America and Wells Fargo - and the new ones coming. In 2010, Davenport founded Regal Credit Management in New York City.

"As a former mortgage originator, I understand how unfavorable credit - or no credit at all - can impact your livelihood," says Davenport. "Whether caused by error, theft, or rookie mistakes, bad credit affects your ability to live life on your terms."



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