With a 10 year history of helping people in various aspects of their life, I have seen too many people struggle with their finances and credit. After helping friends and family to repair their credit, I decided to start my own credit restoration company. I am a Credit Specialist registered in the State of Texas. As credit repair is a tricky endeavor to undertake, and expensive to pay for, I decided to write about the topic to help people navigate the murky waters. I have tried to share my knowledge with my clients and I relish helping to educate the public. As Credit Bureaus and Collectors are ruthless in their behaviors, I feel it's time to arm the public with the hints and secrets that you can't find without having a mentor or spending endless hours on the internet. I had to pay, over time, thousands of dollars in order to be educated on what this book teaches in a short amount of time. My hope is that people who can afford credit restoration, can still benefit themselves and their families by getting back on track.