There is a good possibility you did not take a course on personal debt management or credit scoring during your years in school. We live in a fast solution based society where the desire for instant gratification often snatches away the opportunity to educate oneself on subject matters that can have a positive impact on lives. Credit is often times one of those subject matters. The instant gratification of having someone repair your credit often takes away the ability for you to learn the necessary skill set of achieving a good credit score. This book will teach you the skill set to develop, grow, and maintain good to excellent credit.