This workbook provides the most comprehensive philosophy on credit and the strategic use of it as a wealth building tool. It teaches the 10 critical steps to credit building and wealth development, that if followed, can transform your life. Lisa and Vince Gavin, founders of NextLevelCredit & Funding, have spent over 20 years researching credit trends, patterns and scores. Collectively they and their team have viewed and analyzed over 50,000 individual credit reports. Out of their work and research, they developed a proved approach to help consumers improve their credit, build their credit scores and reach their personal financial goals.