Credit Expert Shares Personal Prime Credit Profiles with America

Online, October 4, 2009 (Newswire.com) - Phoenix, AZ - Building and maintaining good credit is a puzzling task for many individuals. "Evil Money Evil Credit" (http://www.altonjjones.com), a book by author, motivational speaker, credit expert, provides a clear and concise path to navigate this maze.

Jones wrote "Evil Money Evil Credit" (High Tower Books, October 2005, $8.88) for individuals with fair to very poor credit, those who have been denied credit, or who has become frustrated with the commonly over-used general advice on how to improve one's credit. The book draws from his experiences of improving his credit scores from poor to prime. He proudly displays scores of 951 with Experian, 771 with Equifax, 931 with TransUnion and encourages consumers to visit his Web site and click the graphic links on the left to download tangible proof.

"As a teenager I had to deal with multiple collection agency calls because my mother had poor credit," said Jones. "I promised myself that I'd be different, but it was the only path I knew." I was victimized four times in a three year period by ID theft, encountered multiple periods of unemployment and became increasingly frustrated with the lack of clear and concise information on how to improve my credit situation. It's obvious that I should pay my bills on time, but what about the less obvious instructions such as using a bank returnable check for tangible proof of payment? What about asking lenders which credit bureau(s) they use to determine my credit worthiness prior to completing a loan application? Asking lenders in advance would have avoided completing unnecessary credit applications, if I knew that my score would not have met minimum lending requirements."

Jones paid off his debts, overcame incidents of having his identity stolen and worked diligently to obtain excellent credit ratings. "I decided to share my experiences, provide the specific fundamentals used to improve my credit profiles, while creating an easy-to-read, clear and concise book of 68 pages, large font and space available for note taking and sharing with others." he said.

"My book clears the fog and provides a path of basic fundamentals required to improve one's credit. My personal credit profiles which I'm willing to share with America, takes it a step further by providing a formula for those who want prime credit," said Jones.