This is the fourth edition, rewritten from stem to stern to reflect big changes in the credit laws and practices since the financial crisis. If you need to improve your credit after big setbacks or you just want to know how to keep your scores high, this is the book for you.

To enter, leave a comment here on my blog (not my Facebook page). Make sure to leave your email address (which won’t show up with your comment, but I’ll be able to see it). The winners will be chosen at random.

The deadline to enter is midnight Pacific time on Friday Jan. 6. So–comment away!

If you don’t have a Nook e-reader, you can download apps for your iPhone, iPad, Android or PC here.

And here are a few FAQs, adapted from the one I wrote earlier this summer when the book was free for a week to Kindle users:

• This is a download. No physical books will be given away. Just ebooks.
• No, I don’t get an incentive for selling Nooks. And I don’t get royalties on books that are given away for free, either.
• Don’t want to mess with e-readers or apps? The book is probably available at your local library. Or you can camp out in a brick-and-mortar B&N–it’s usually there, buried in the bottom shelf of the personal finance section.
• You don’t have to love the credit scoring system to want to know more about it. Credit scoring formulas can be opaque, frustrating, seemingly illogical–but they’ve also become important to our financial lives, and knowing how they work can save you tens if not hundreds of thousands of dollars in your lifetime. A little education can go a long way.

I announced this offer last week on my Facebook fan page, and based on feedback there, I offer the following clarifications:

• This is a Kindle deal only. No freebies for Nook, Sony Reader or iPad owners. Sorry, guys. I didn’t make the deal–FT Press did. Bug them.
• This is a download. No physical books will be given away. Just ebooks.
• If you don’t have a Kindle, you don’t have to buy one because of this deal. It doesn’t make sense to spend $189 to get a $13 book for free, now, does it? Go to your library. They’ve probably got a dead-tree copy there you can read. Or hang out at Barnes & Noble. There’s usually at least one on the shelf. If not, you have my permission to ask why. (UPDATE: You can also download free Kindle software to get the book. See below.)
• No, I don’t get an incentive for selling Kindles. And I don’t get royalties on books that are given away for free, either. My publisher tells me this may spur sales in coming weeks, but sales have already been fine, so I’m not holding my breath. I just think it’s cool you can get something besides Jane Austen books for free on Kindle. Not that I’m against Jane Austen. Love her. Kiss kiss.
• You don’t have to love the credit scoring system to want to know more about it. Credit scoring formulas can be opaque, frustrating, seemingly illogical–but they’ve also become important to our financial lives, and knowing how they work can save you tens if not hundreds of thousands of dollars in your lifetime. A little education can go a long way.
• Update: You don’t need a physical Kindle to get this deal. You just need a Kindle app on your phone or the software downloaded to your PC (link to download HERE) or Mac (link to download HERE).

FT Press is giving away 15 sets of my library–”Your Credit Score,” “Easy Money” and “Deal with Your Debt.” Another 10 people will win copies of “Your Credit Score.”

Just by entering, you’ll get a free download with sample chapters from each of the books.

Enter now at www.ftpress.com/weston.

Just by entering, you’ll get a free download with sample chapters from each of the books.

Enter now at www.ftpress.com/weston. The contest ends Nov. 20.

Jim Wang over at Bargaineering asked me how I got into writing about credit scores, along with some timely questions about handling the account closures and freezes that have become so commonplace lately. For my Q&A with him, CLICK HERE. Jim also reviewed my book, “Your Credit Score”: CLICK HERE for that.

Finally, I caught up with Dave Kansas a couple weeks ago in New York, and he wrote up this Q&A for FiLife.com that includes information about how foreclosure and bankruptcy affects your scores. CLICK HERE for that interview.