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BUT - I don't think it's a good book for someone who is already there.
The book has a lot of good examples and strategies and websites for helping you avoid mistakes, but doesn't do enough in my opinion for those who have already made the mistakes. My credit has gone through a roller coaster over the last few years and is fortunately about where I would like it to be and I can see that the book would have been helpful for me about two or three years ago. However I have many friends who are currently struggling and I didn't see much in the book that they could use in any practical manner. In some regards one could say it's all common sense; but if this was true then more people wouldn't be in the mess they are in today. I particularly like the websites that the book uses and think these are very good references to have - but again, all that information is already out there.
In summary - if you think you are in danger of going into bad credit - READ THIS BOOK! If you're already there, consider this book as it does have some useful references, but don't expect it to fix your situation.
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