The American credit system is complicated, convoluted, and difficult to understand in its entirety, and that is why I wrote this guide with the meticulous attention to detail of a PhD with concise, quick, and easy navigation to jump to any topic you struggle with.

You should understand what credit is, who are the major organizations and companies behind it, what all the product offerings are, and how these companies are really making money from you (hint: it is not always interest).

With text, visual graphs, references, and more, you will easily find the tools to:
- Understand credit,
- Empower yourself to make the correct credit decisions,
- Empower yourself to improve your credit score,
- Take advantage of the benefits that credit has to offer.

Using credit is an inevitable part of life, but you should learn how to benefit from it just as much as the banks and financial institutions benefit from you! Quote me: the unknowledgeable pay to bank, and the knowledgeable get paid to bank!