This manual is a detailed step by step process in fixing, cleaning, repairing and monitoring ones credit. This book provides examples and illustrations of credit reports, credit letters and provides definitions as well as myths versus facts in credit repair schemes. This is a MUST have for any consumer, college student, relative, friend and loved one who has had credit problems and desires to fix and monitor their credit reports. Kenneth Smith, CEO of The Smith Group, has brought together a team of experienced credit consultants with 15 plus years in the credit risk industry specializing in credit risk management and credit repair. Our representatives have vast credit management experience in Oil and Gas, high tech computers, petrochemicals, manufacturing as well as shipping and financial fraud. Kenneth's experience allows him and his team to be able to remove, monitor and analyze credit risk as well as provide ways to fix and repair consumers' credit profile.