It's a sad truth that most people are up to their ears in debt and have very little savings in their bank accounts. It's also true that most people are only three paychecks or less away from a major financial crisis. Are you one of these people who have seemingly been locked out by those in the know, always wondering why there is more month than money? Have you ever wondered if you could get out of debt and save money for the future? What about holding a stellar credit rating while doing so? Join Bill Dost as he shares the secrets the lending industry has been hiding from you your entire life! With 25 years in the finance, credit, and lending field, Bill has put together a simple action plan to help you do the following: Increase and maintain your credit score. Kiss debt goodbye once and for all. Save for a home, a major purchase, retirement, or a rainy day. And most importantly, do it all without stress! Warning: This book is not for the faint of heart! The strategies outlined in this book are 100% authentic and will work, but will also require two main ingredients from you: discipline and hard work!