Paul Rallion 
Money and Credit 101, How to Excel In Both [EPUB ebook] 

Are you spending more than you earn, and therefore in debt? Read advice and tips on how to save and get out of debt, increasing your credit score in the process. In Money and Credit 101, How to Excel in Both, author Paul Rallion provides you with useful information that will help you save money, pay off debt, become a savvy consumer, and protect yourself from hackers and thieves. Money and Credit 101 offers a compilation of techniques that have worked for the author in paying off debt and reaching a perfect FICO credit score of 850. Learn how you can do the same!