Book Review: Crack the Credit Code by Todd Wilson

Disclosure / Disclaimer: I received this ebook, free of charge,from Amazon Books via Netgalley, for review purposes on this blog. No other compensation, monetary or in kind, has been received or implied for this post. Nor was I told how to post about it, all opinions are my own

I've been scoping out books to pull together for a 'Real Life Math' class, I'm having Miss Grace take in High School, and when I saw this one, I thought, "Hmmm, wonder if that would be good addition, and grabbed it.

Read on to see what I thought!

Synopsis:

Learn more about credit from one book than you have been taught in your entire life. This book takes a subject that should be taught in schools but isn't. Your parents didn't know enough to teach you about it and finding the information yourself is like searching for a needle in a haystack. 

Crack The Credit Code will teach you: 

*How to quickly improve your credit score without wasting money on credit repair 

*What is used to create your credit score and how to use this information to your advantage 

*How to establish credit if you have none or if your scores are low 

*Secret tips on how to hack your score 

Here is what one reader had to say:

"Wow! Crack The Credit Code gives the straight info about credit! Very practical knowledge. Todd Wilson takes his many years of knowledge and experience in working with credit and loans and breaks it all down for you, answering the mysteries of the credit world — from giving you the basic understanding of what credit really is to what makes up your credit score and the best ways to go about building your credit and getting out of credit debt. This is knowledge for use. Knowledge no one else out there really teaches. And not knowing it can cost one a fortune.Thanks Todd!!"

          -T. Young, Customer

More than half of the adults in America have bad credit or no credit with 50 million having no score at all. With all the confusion and false information about credit, it is no surprise that credit is such an emotionally charged subject. The purpose of this book is to educate you about credit so that you can control your credit and use it to your advantage. To play the game, you need to know the rules.

Review;

This isn't a book by someone telling you what they THINK you should do, but written by someone who has BEEN there, and taken the steps to repair his credit. So he knows BOTH sides of the equation, and that makes him a great person to learn from. I loved how the book starts out with explaining WHAT your credit score actually IS- what counts and what doesn't, and how much they count. This is SO important to understanding what NOT to do, to keep your credit history looking good! AND what you need to do,to get excellent credit (here's a hint, it's NOT getting all the credit cards they throw at you when you're in college). 

You can really learn a LOT, that I can guarantee you, you were never taught, as using credit was never something that was covered. But it's small changes that can make a huge difference, even years down the line, when you want to buy a house! This is a small book at a little over 100 pages, but Todd writes to the reader, like he is speaking to you, and before you know it, you've finished the book! I would definitely recommend this as reading for teens, college kids and parents alike!

About the Author:

Todd is a Credit Expert and a Mortgage Professional. He has been in the mortgage industry since 2001. After going through bankruptcy and foreclosure, he stayed out of the credit world for four years. Realizing how much this was holding him back, he decided to get back into the credit game. But there was very little information on how to do this. In fact, the credit bureaus will tell you that you must have credit in order to get credit. Knowing this didn't make sense, he had to use unconventional methods of finding out how to rebuild credit. In doing so, he learned a lot more about credit than he thought he ever would. Using himself as a test case, he not only found out how to build credit but also learned many other things that most people have never heard of.Todd found out details that are not taught elsewhere, including tips and tricks for quickly improving scores and ways to avoid having credit scores go down. Knowing all this information and using it to help clients one at a time, he decided it was time to make the information more broadly known, and wrote this book.