I have been in the finance and credit field since 1993. In this time, I have reviewed over 4,000 credit reports, and have seen hundreds of credit reports with major errors on them. Trust me, major errors on credit reports are a very common occurrence.

Denise Richardson's story is an absolute nightmare. You can read the summary of what happened elsewhere here, so I need not recap it. But her story is absolutely compelling, and frightening, and you will get angry at the following when reading the book: large bank practices; collections agencies; the three major credit bureaus, the attorneys for huge multi-billion dollar corporations; our judicial system; and our Congress and regulators who are supposed to be protecting us, but instead are protecting the large corporations who are funding their campaigns and often actually writing the consumer laws and the federal regulations.

You won't be pleased about how the credit system works in this country after reading this book, but that in my view is a good thing. With knowledge comes truth, and with truth, comes power. Once you have a much better understanding how this system works (or doesn't work) by reading Denise's story, you will know how to protect yourself from a similar fate. The nightmare of incorrect and damaging errors showing up and staying on credit reports doesn't just happen to a few individuals like Denise...it happens to tens of millions of Americans.

Denise has a number of tips on how to protect yourself from credit errors. Two important ones are: Monitor your monthly payments to all major accounts, especially your mortgage, and monitor your own credit reports on a regular basis to make sure that errors are not being reported. (A personal note - after reading this book, I contacted my mortgage bank, and will now start monitoring my mortgage payments online. We have never received a monthly mortgage payment statement either.)

I mostly read this book looking at it from a credit standpoint, because that is the field I am in. However, this is a well told and inspiring story that moved me on a human level; of one woman who took on the giants of industry, and won. The toll it took on her life was immense, but she did not give up. I have a lot of respect for her. She fought a lot of battles in this book, and did not win them all. But in the end, she won the war.

Again, I highly recommend this book. You will be moved by Denise's story, and you will also learn steps you can take to protect your own good credit.