The author is an attorney & nationally known expert on credit repair and money issues.He guides the reader through the inner workings of the industry . Provides hands-on tools "guaranteed to bring results", with detailed explanations, decifering, examples, coverage of all three major credit bureaus, discussion of the Fair Credit Act, and how to write your way through the neccessary process and document your process to protect yourself further. Directory of state and local consumer protection agancies are also included. Great handbook!!!