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I have not read this book however I am appauled at the recomendations that it makes in referance to credit reports. I work in the credit industry and can state that following these directions will leave you in direct violation of FOIP laws. PROCEDE WITH CAUTION with this book. The entire part that I have read about requesting credit reports and the handaling of them there after is illegal. Look into this yourself before believing this "author". I will not buy this book or read any other part of this, infact I think that this should be pulled from shelves!!!