Review of The Secrets to Good Credit and Debt Reduction

The Secrets to Good Credit and Debt Reduction: A Consumer Self Help Guide by D, J, Williams, $12.00 original trade paperback, ISBN: 0-9703037-0-X, published by Premier Educational Services, P,O, Box 771736, St, Louis, MO 63177. (314) 436- 4002.

Don't miss this opportunity to set your finances in order. The Secrets to Good Credit and Debt Reduction: A Consumer Self Help Guide shares a mortgage banker's formulas for securing and restoring credit and gives you all the reasons why good credit is a must in today's society.

This motivational book, deftly written in layman's terms by D. J. Williams, a St. Louis real estate mortgage professional who has spent more than a dozen years assisting clients in securing property and counseling them toward financial stability, is a consumer's step-by-step journey in the areas of credit education, debt reduction, and preparation for borrowing money to purchase a house.

The Secrets to Good Credit and Debt Reduction is all inclusive -- offering a broad basic credit education in 15 easy-to-read chapters. Part I addresses the basics of understanding the system including: what is credit, why it is important, how to read your credit report, scoring, and knowing your rights. Part II jumps right into establishing a good credit rating, relating how to restore your rating, deal with collection agencies and credit repair organizations, as well as protecting and maintaining a good record. Part III delves into methods of getting out of debt and strategies for debt reduction. And Part V takes you through a home loan process -- stress free.

Credit, writes Williams, is based on the Latin word creditum, meaning trust or faith -- an expression of trust in you and your promise to pay in the future for whatever you buy. This expression of trust is not money and it is not free. Personal credit is a privilege, not a right, and those who don't understand this privilege --or abuse it -- will definitely be hurt in our credit-based society. The Secrets to Good Credit and Debt Reduction helps consumers take control of their financial destinies.

Have a particular financial need or weakness? Pick up this book and start with any chapter. If you have good credit and too much debt ego directly to the section "Get Out of Debt." Bad credit history? Stop off at the chapter titled "Credit Problems Are Not Okay.'' Then set off for "Establishing a Good Credit Rating." If you have no credit history jump over to "How to Establish Credit."

As a bonus, the book contains sample letters for correspondence with creditors and debt collectors, and boasts an extensive resources and terms section at the conclusion. With The Secrets to Good Credit and Debt Reduction: A Consumer Self Help Guide expect to learn how credit and debt affects your choices and overall attitudes, why establishing good credit is paramount, and what new habits are key to accomplishing this goal.

Good credit is your most valuable asset, and in this day and age it is no longer an option but rather a necessity. The Secrets to Good Credit and Debt Reduction: A Consumer Self Help Guide is a must for anyone who spends money, especially those who are just starting out, experiencing credit problems, considering bankruptcy, or are in bondage with too much debt. It demonstrates how good credit and low debt -- financial freedom -- and change your life.

Can you afford not to read this remarkable book?

The author, D.J. Williams, also writes and publishes a free, bimonthly newsletter full of tips, news and other information about consumer credit and money management.
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