Are you experiencing a standstill with your credit score, and no matter what you do you are not seeing the increase that you yearn for? Have you worked with a credit repair company to learn that you didn't gain any additional knowledge on how to repair or build your credit? Maybe you have had success with repairing or building your credit, but is unaware of how to manage it moving forward. This simple read will resolve these concerns.The reading of this book will provide you with all of the tools and resources needed to understand how your credit score is calculated and how to take control of its increase or decrease. The author has done a great job providing real life scenario examples, self-teaching exercises, and areas for note taking. The self-teach exercises will help you better understand; when is the best time to close out a credit card, what to do if you max out a credit card or exceed the recommended debt utilization rate, how to decrease credit card balances without extra cash, how to avoid late payments even in a financial hardship, and so much more. This book is a must read for everyone. From the one just starting to build credit to the credit savvy person, and also the person working to repair or rebuild their credit.