Have you ever wondered how it seems like some people get whatever they want? How do the neighbors always seem to be driving the nicest and newest cars? It seems like some people have all the luck and are able to buy expensive things and go on expensive vacations. Well wonder no more! Quite often this luck is not luck at all and these people have simply been able to manage their finances in a way that allows them to borrow money to get the things other people think of as out of reach.

In this book we explain credit in a fun straightforward manner that is based strictly off of real world experience. We will explain terms like DTI, PTI, Co-signer, Installment Loan, Revolving Credit and many others that may sound Greek to you.

The information in this book is not just a list of facts or boring repetitive statements. Each topic we discuss is paired with a comic to keep things entertaining and give real life examples.

We feel these topics are important because we have experienced them firsthand. We have a combined 31 years’ experience with customers and credit files.

It is amazing how often credit discussions turn into unofficial counseling sessions because people just don’t know. We are not trained professionals or academics who only repeat what others have taught.

We will tell you what most people won’t because at the end of the day this is what you need to know and need to hear. We hope the information you read will not only be entertaining but more importantly help you become successful in your finances.

We never want to hear someone say, “WOW! That would have been nice to know!”. .