Money reads: More on why you are not your credit score

In February, It's Only Money wrote "You Are Not Your Credit Score." Last week, New York Times bizz columnist Joe Nocera wrote about how the credit score is the tyrant in lending. "FICO scores are not the best predictor" of a borrower defaulting, hewrites. Yet, "credit scores have remained shorthand for a borrower’s creditworthiness."

Here are ten lines you might hear your investment adviser say that you shouldn't buy (Brett Arends). No. 8: "We recommend a diversified portfolio of mutual funds."

investment called "factored structured settlement," of which Portland's Somerset Wealth Strategies reportedly is a top broker (Jason Zweig). It's also known as a "secondary-market income annuity."

Five types of insurance you don't need (Money Ning). No. 2: Identity theft insurance.

Five ways your bank can still gouge you (Ask Liz Weston).

Bank of America apparently thinks the new credit card law does not force it to disclose the interest rates it charges when card holders make a late payment or default (CreditCards.com viaMichaelBRubin)

No. 5 of 10 big mistakes The Simple Dollar says you can make in your life: Worrying about what other people think as you decide what to buy.