Credit repair and restoration are complex issues. Here's a credit repair book that actually works, and it's life changing. The author owned a collection agency and was a vice president at Guardian Bank. He knows how the system works. He intentionally destroyed his credit, going from 812 to 461, to prove you can remove every negative item from your credit report ... if you know what to do. This is the only book of its kind that has information on how to contact the author. You can email him directly at rjmansfield@debtassassinbook.com. Bankruptcy, repossession, foreclosure, tax liens, judgments, student loans, personal loans, and credit card delinquencies can all be removed without paying creditors or collection agencies a dime! The author raised his credit score from 461 to 742. Instead of being in credit hell for the seven years that negative notations can legally remain on your report, they were deleted in four months. This book contains letters he sent to collection agencies and credit bureaus, their replies, and documentation that the items were deleted from his credit report. As a bonus, the author walks you through the process of filing and winning small claims suits against collection agencies and credit bureaus, along with form letters you can use. Book jacket.