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 Next Level Coaching, 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.

Coco Borland is part of a team that has helped over 20,000 individuals build and develop their credit. Her research of this proven approach inspired her to document the process and help develop an educational curriculum which helps consumers improve their credit scores and reach their credit goals. Ms. Borland received her Masters in Nonprofit Administration from North Park University in Chicago.