Your Credit Score controls your financial life! The choices or decisions you make TODAY can and will affect you down the road for years to come. The Credit System seems designed to penalize you for doing the "right thing". Too many “Credit Expert" books out there today contain “filler pages” which are designed to give the appearance of more content and help for the consumer. This book has no filler in it, there are no “Secrets the Credit Bureaus don’t want you to Know" or any silly statement like that. This book has exactly what a consumer needs to understand and deal with in the year 2011 and beyond. Created and designed to keep your attention and to keep you LEARN, APPLY and learn how to win the game of Credit in the Real World.