For all those reviewers bagging on this for not being a magic credit repair bullet, I think they're missing the broader point. This book is intended a quick read, with some useful information. It's not sold as a free novel or complete credit repair guide. The title says it all. I learned a few things I didn't know, and it inspired me to spend some time with my own credit profile. I needed the push, and this free resource made it happen. Thanks Mr. Thomas for sharing the info. Also, note that the same author published a much more in-depth credit repair book, which is mentioned in this FREE guide.