I thought that the book would give me more Ideas than I had. It did not but I know a little more about the procedures, rights and laws than most people do, if you do not have any idea what to do to fix your credit this book is great. It gives you step by step instructions addresses and even has a disk that helps you. Although I have not looked at the disk yet. If you are about to get a loan for a house you should buy the book and see what you can do to help your credit score.