KENNETH SMITH

I was born in Virginia and raised in the Washington DC area. After I grew into adulthood, I joined the United States Marine Corps and that is where my credit education began. My parents were always teaching us how important credit management was to us, however, boys will be boys.

I received a great gift of a high balance credit card when I was a young marine and as many young people do, I headed straight to the local mall. Imagine my surprise when the actual bill came and I had to pay.

I was a man of meager means and the payments were astronomical to me at that point of my life. Needless to say, I learned the hard way about credit management. I eventually paid the cards off and actually started to teach other Marines on the benefits of proper credit management. As I got older I would meet people while working as a credit manager for software and oil and gas companies. It was difficult for people to get credit as well as gain access to homes, vehicles and other assets without good credit.

This is what motivated me to draft this book. I am a living example of how bad credit can limit your dreams or how good credit can enhance your life and make your dreams come true.

 Please read this book and take this journey with me and others to learn the history of credit, the types of good and bad credit and how good credit can save you money and make your life better. Remember “your dreams are as real as you are prepared to make them” Sidney Poitier.