If you are doing credit repair, I hope you’re having success like book reader Ron H who gave me permission to share his fantastic successes with you:
Ron H wrote:
Hi Carolyn-
I just wanted to say thanks for such a brilliant credit repair “system”. This stuff really does work, if followed as laid out in the book.
I’ve negotiated 50% settlements and requested the “paid as agreed letter” on multiple accounts.
On one of my balances owed, the collection agent wouldn’t budge during negotiations. I hung up, waited 5 minutes, called back, got a new rep and negotiated the amount that I wanted. I knew I just needed to get the “right” rep on the phone.
I also mailed address removal and inquiry removal letters. I did all of that before the negotiations.
This is truly amazing stuff!
Congratulations, Ron H! Getting inaccurate or unverified information removed from your credit report is 100% legal in all 50 states and according to federal law.

Caolyn Is truly amazing, Extremely knowledgeable. Very modest. Completely honest. I’ve read her first book at least twice and use it as a reference for its clear explanations. Need to buy the rest.
Thank you, Jo, for your kind compliments. I appreciate it very much.