Press Release

Good Credit Is One's Most Valuable Asset

ST. LOUIS, MISSOURI -- In a country where nearly half of what is purchased and 90 percent of all business expenses involve credit, good credit is no longer an option -- it is a necessity.

"Without a good credit rating people will not only be charged higher interest rates, but they may pay more or be denied major purchases, employment opportunities, apartments, and insurance," says author D. J. Williams, who has an extensive back ground in real estate finance and has just completed a self-help book on securing an exemplary credit record.

"People are drastically affected by their lack of knowledge of credit and debt. Our lives are so hectic, this is an area that receives very little attention until there is an attempt to make a major purchase such as real estate. This general lack of consumer knowledge has led to abusive lending practices that target the elderly, women, and minorities."

According to Williams' book The Secrets to Good Credit and Debt Reduction: A Consumer Self Help Guide, these abusive lending practices not only include higher interest rates, but multiple mortgages on a single property and short-term loans with annual rates exceeding 100 percent. They threaten the stability of communities with increased foreclosures and limited financing options for whole segments of the population.

What to do? Whether good, bad, or ugly, capitalism is the only game in town and anyone who wants to get ahead must play to win.

The first move in the battle is understanding the rules -- money earned must be managed and leveraged with wise use of credit. Consumers win the game when they have good credit and little debt. They lose when they have bad credit and lots of debt.

"You make the decision on how the credit system works for you," Williams reports. "Wise use allows you freedom to make dreams come true. If you are willing to make a commitment to yourself to get your credit in order, you will soon experience financial freedom that will last a lifetime."

To achieve that freedom, consumers must be educated about the basics of how the credit system works. Knowing what a credit report is, why it is important, how to read it, and how to fix discrepancies are the first steps in credit management.

The author's research showed that most people need more credit education. People who are heavily in debt lead very stressful lives. After working with thousands of consumers and providing basic credit and debt reduction information, the author "saw the difference this information made in people's lives long after our business relationship ended -- this ultimately led me to write this book."

Most books on the market today usually deal with just one topic, either credit repair or debt. The Secrets to Good Credit and Debt Reduction combines credit education, credit repair, money management, debt reduction, and how to prepare oneself to borrow money to purchase a home.

The Secrets to Good Credit and Debt Reduction can be purchased in bookstores or by sending $12.00 (plus $4.00 shipping and handling) to Premier Educational Services, P.O. Box 771736, St. Louis, MO 63177. Call credit card orders to: (800) 431-1579.

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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