There are a plethora of books out there promising to show consumers how to repair their credit. There is only one that explains how to establish credit, how to maintain and manage it, and, yes, how to fix it when it’s broken— The Insider’s Guide to Credit Repair.

This much-needed book is current, cohesive, and thorough. It begins with the basics-defining credit, explaining its value to consumers and businesses, and introducing the key parties that keep the process successfully operating—but then covers more complex topics, including credit laws, credit scoring, credit repair and identity theft. Most noteworthy and helpful are the short quizzes after each chapter, a comprehensive glossary, and a wide variety of sample letters.

The Insider’s Guide to Credit Repair is an engaging and thought-provoking discussion of consumer credit from an insider’s perspective—the author is a former instructor for one of the national credit-reporting agencies. The scope of the material is as vast as the author’s industry experience, accommodating the beginner trying to establish credit for the first time and more experienced consumers seeking greater knowledge of all aspects of credit.

K.E. Varner is a former instructor of customer-service personnel for Equifax, one of the three major credit-reporting agencies. During his tenure, he functioned as a subject matter expert in a number of high-level business projects, appeared in Federal court to help resolve consumer/credit-reporting agency conflict, and facilitated credit industry information to organizations such as the Atlanta Housing Authority.