This isn't a book by someone telling you what they THINK you should do, but written by someone who has BEEN there, and taken the steps to repair his credit. So he knows BOTH sides of the equation, and that makes him a great person to learn from. I loved how the book starts out with explaining WHAT your credit score actually IS- what counts and what doesn't, and how much they count. This is SO important to understanding what NOT to do, to keep your credit history looking good! AND what you need to do,to get excellent credit (here's a hint, it's NOT getting all the credit cards they throw at you when you're in college).

You can really learn a LOT, that I can guarantee you, you were never taught, as using credit was never something that was covered. But it's small changes that can make a huge difference, even years down the line, when you want to buy a house! This is a small book at a little over 100 pages, but Todd writes to the reader, like he is speaking to you, and before you know it, you've finished the book! I would definitely recommend this as reading for teens, college kids and parents alike!

Subtitled "To Play The Game, You Need To Know The Rules" this book aims to teach the reader about credit scores and how to make the most of them. It discusses how your credit score is arrived at and how to work on improving it.

The book has been worked-over by Amazon's crappy Kindle conversion process, which is apparently a portmanteau of con and aversion, because it can seriously mangle a book if the book's text and layout is anything other than plain vanilla. The result in this case is that it's a bit of a 'run on' sort of a book with one section leading straight into another and no "white space" between sections.

The content page is rather sliced and diced too, and runs straight into the Introduction (which I skipped as is my wont!). As a wild guess, I think the content page was supposed to be set up with a chapter enumeration (which says 'Chapter 1' for example) on the left side of the screen and the chapter title on the right with the page number, but in practice, all the left side is listed first, and below it all comes the right side with the page numbers, so it's a mess. It is 'clickable' (at least, the lower half is), but it's so jumbled and so close together that it really serves no purpose for jumping to a chapter unless you have very small fingertips, and there's no way to click back from the chapters to the content page if you happen to tap the wrong link. This was an advance review copy, so hopefully that can be fixed before it's finally published.

That aside, and though the book layout felt a little bit disorganized, it dispenses good and useful advice. Obviously the way to stay out of credit trouble is never to have a credit card, but such cards are really a requirement in this day and age, so the next safest bet is to get the card and use it for small items here and there, always paying-off the balance, or the bulk of the balance each month, so it never builds up to unmanageable levels.

Should that fail, this book offers advice about credit repair (and engaging a repair service isn't your best bet unless you have lots of money and little time to do it yourself). But if you have lots of money, your best bet is to use that to pay down your balance, meet your payments, and thereby improve your credit score! That's the kind of common sense approach this book takes. It's short, to the point, and offers sound advice for all kinds of credit situations, including explaining the background and thinking behind credit scores.

I commend this as a worthy and useful read for anyone who is experiencing credit difficulties of any kind.

This was an interesting read. There is so much confusion about what is real and not real when it comes to credit. While complicated the author did a nice job of walking the reader through all aspects of this important segment of our culture. This is a great read for business types and especially those looking to start a small business.

I wish that school would teach real life lesson like this. What is credit, how does the thing work, how they judge you and how to get out from under that debt rock. Seriously,I have had some eye opening, aha, are you kidding me, and those sneaky (blanks) moments while reading this. If you have credit, if you don't have credit, if you have bad credit, good credit or want to judge someone based on their credit YOU NEED TO READ THIS. The truth of how the game is played it not what I've been told, yes it is played like a game. The real numbers are not at all what the credit companies lead us to believe.
Short and to the point in a quick easy to understand book. I would recommend to everyone from high school to...

I really enjoyed the information that was given throughout the book. There was a lot of stuff that really made sense or that I hadn't thought of before. I am hoping to use some of the information given to help boost my own credit!

Hmmmm. This book gives you a lot to think about and really removed the stigma around credit scores.

I’m glad I came across this book and decided to give it a try. It really explained a as lot without being boring like a textbook.

A quick, yet informative read. Full of great ideas and ways to increase your credit score.