there is a lot of great info on this website and the books are great--I attended one of the seminars and it was awesome--I have learned alot from this --just thought I would share the info with others--I also even purchased the book for a reference guide--I have come a long way since bankruptcy--filed bankruptcy and dicharged 06/2003---I have had a few bumps in the road since and have then recovered now credit scores are in the 600s--I am setting a goal to reach & become part of the 700 club----wishing myself well and all of you guys--just know that you can do it--stay focused and REMEMBER there is no SUCH word as CANT___ good luck!!