After over twenty years in the Collections, Credit and Mortgage Industry, I felt this book would be helpful to people who don't understand credit and how it works. I worked as Assistant Vice Presid...view moreAfter over twenty years in the Collections, Credit and Mortgage Industry, I felt this book would be helpful to people who don't understand credit and how it works. I worked as Assistant Vice President of Mortgage Lending with Suntrust Bank and then with two mortgage broker companies. In addition, I done collections for a third party collection agency as well and bank collections. Each area has taught me new lessons in credit and how easy it is to get messed up.My husband and I now have two rescue dogs. Our precious Chulupa died June of 2013, leaving us with Snookies and Daisy. I am a wife, mother, grandmother and great grandmother. I enjoy working with young people and given the opportunity will spend time talking to them about credit. I am a guest speaker for civic groups and adult education classes.view less