With nearly a decade of experience working in the credit industry, Wayne Sanford has personally reviewed more than 11,000 consumer credit files. Sanford is a regular credit advisor for television and radio news programs and frequently contributes to several of the more renowned financial websites on the internet today. Sanford is a licensed and bonded credit company and is Fair Credit Reporting Act certified by the Consumer Data Industry Association.

Your financial life is controlled by a three digit number- your credit score. The hand you are dealt by that score controls what you can and cannot buy, where you can and cannot live and in some cases where you can and cannot work.

The majority of consumers have no knowledge of the credit system and the game it plays with their lives. Their basic credit education has come from late night infomercials, the internet and other sensational media outlets.