This study placed the phenomenon of college women's fat talk within response styles theory. We predicted that with increasing trait body dissatisfaction there would be an increase in rumination leading to a greater frequency of fat talk. We also predicted that neuroticism would moderate this mediation pathway, and that these effects would occur over and above body size. A survey was conducted on a convenience sample of 212 college women with a mean age of 22.04 years (SD[subscript age] = 2.61). A bootstrap analysis utilizing PROCESS software supported the predicted moderated-mediation model. Thus, those college women higher in both trait body dissatisfaction and neuroticism would experience greater rumination and engage more frequently in fat talk. Implications of applying a response styles perspective for future research and fat talk interventions are discussed.