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Book ReleaseOur new book Managing & Improving Your Credit & Finances for this MILLENNIUM is now available for those who want to improve their credit and finances in a complete and empowering mannerISBN: 978-1469991672; Release Date October 31, 2012

1-2-3 Credit & Me: Learn how you can Stabilize, Improve & Maintain your credit throughout your lifetime (Part of the Real Estate & Finance 360 Degrees Series of Books Book 6) by THOMAS (TJ) UNDERWOOD  | Sold by: Services LLC | Oct 19, 2020, updated Summer 2023

What's inside 1-2-3...




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Who is Thomas (TJ) Underwood

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Learn how to apply — “the Keys to Success”—in your life

You can now purchase Managing & Improving Your Credit & Finances for this MILLENNIUMand change the course of your credit and financial future.

If you are one who truly wants to improve your credit and finances in a manner that is in your best interest and in the best interest of your family's—and do so in a highly effective manneryou can now do so!

You now have an effective and highly beneficial book that will provide you the "essentials" of what you need to know to improve your credit and finances in a "comprehensive" manner.

By purchasing this book you will put yourself in position to benefit yourself and your family the most—not creditors—and  others that may not have your best interest in mind.

What the critics say about Managing & Improving Your Credit & Finances for this MILLENNIUM ?

Underwood’s can-do attitude buoys this guide to financial success.
Managing & Improving Your Credit & Finances for This MILLENNIUM, by Thomas (TJ) Underwood, offers foundational tools to help make  financial decisions.

The author’s wisdom is based on his career as a Realtor—a prime arena in which to watch the causes and effects of financial choices.

Underwood covers key topics like choosing insurance, managing investments, saving emergency funds, eliminating debt, and planning for retirement. Self-discipline and personal initiative are the keys to his insights; this book is not for people who want to be passive and
distant from their money.

The overview of topics is great for those who are just beginning to
actively engage in their financial future
ForeWord Clarion Reviews

A professional real-estate broker presents his thoughts on how to manage and restore one's credit.  As Underwood explains in this debut, there's no "magic bullet" for credit problems.  However, it's possible for even the most debt-ridden person to dig his way out if he's motivated, determined and has the right system.

The core of the author's credit restoration system is a three-step process:

The first step involves writing up basic personal finance documents to assess one's current financial situation.

The second step explains the factors that can affect credit scores, and how one can improve scores as quickly as possible.

The third step is to lay the groundwork for a strong financial future by analyzing one's plans. 

Underwood briefly summarizes each step, then goes into detail about how to implement each one.  He provides basic information on how credit works, along with several different payoff methods to clear one's debt over time; he also explains the importance of establishing an emergency fund.

Later, he reviews the four life stages of financial planning, and describes the priorities for each stage.  He also discusses the perils of being a distressed homeowner, and offers a few options that homeowners can use to bail themselves out of trouble.  Finally, Underwood talks about the importance of having the proper mindset when reworking one's finances, and provides a list of motivational sayingsKIRKUS REVIEWS

Managing & Improving Your Credit & Finances for this MILLENNIUM

Underwood, Thomas (TJ)

Createspace (214pp.)

$29.95 paperback, $19.95 e-book

ISBN: 978-1469991672; October 31, 2012

When can I purchase?

Isn’t it time that you “create” your own success!  Until you do you will make life much more difficult than it should be—for yourself and your family.

You can now purchase Managing & Improving Your Credit & Finances for this MILLENNIUM on our companion site,  amazon, thriftbooksbarnes & noblesand bookstores everywhere!

Since the release of Managing & Improving Your Credit & Finances for this MILLENNIUM© consumers around the world are no longer at a disadvantage when it comes to the management and improvement of their credit and finances.

Creditors and others no longer others have the advantage over consumers!

Be sure to seriously consider purchasing Managing & Improving Your Credit & Finances for this MILLENNIUM if you are now at a point in your life where you want to control your credit and finances in the most forceful manner possibleand you are truly serious about your credit and financial future.

By doing so you can put yourself in position to control and manage your finances in the most efficient and effective manner possible.

By purchasing
Managing & Improving Your Credit & Finances for this MILLENNIUM and utilizing this websiteand our companion websiteyou will obtain a breadth and depth of knowledge that you can utilize in your life that will truly put you in charge of your credit and financial future!

By doing so you will put your mind in position to attain the outcomes that you desire for not only yourselfbut your familyand future generations yet unborn!

By doing so, we are of the opinion that if you truly want credit and financial success in your future you will attain just that—in the most effective and efficient manner possible!

Be sure to comprehend all that you will learn about Managing & Improving Your Credit & Finances for this MILLENNIUM at your highest level—as success is truly in your futureif you apply the knowledge that you are about to learn.


Thomas (TJ) Underwood


About This Book Release:


The above book release article was written by Thomas (TJ) Underwood  Thomas (TJ) Underwood is an active real estate broker in the state of Georgia and is the writer behind The Wealth Increaser, Home Buyer 411,  Home Seller 411, The 3 Step Structured Approach to Managing Your Finances, Managing & Improving Your Credit & Finances for this MILLENNIUM and CREDIT & FINANCE IMPROVEMENT MADE EASY—FREE GUIDE. 

He is the creator of where he regularly blogs about helping consumers improve their credit, finance and real estate pursuits in an intelligent, consistent and proactive manner.  He’s always looking for ways to make intelligent finance improvement happen for those who “sincerely desire” success in their future. 

You can contact him from a number of sources but the most direct way is to contact him through the contact us block that can be found at the bottom of this page. 

You can also get other highly relevant tips on "living your life more abundantly" and possibly earn revenue at the same time by linking to

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Thomas (TJ) Underwood has been providing financial advice as a tax practitioner since the mid 1980’s and began his financial planning career (while earning a Bachelor of Science Degree in Business Administration/Finance/Marketing), in Detroit at Wayne State University.  From 2010 up to the present he continues to provide visitors timely personal finance and wealth building advice and articles—including real estate advice—on 3 sites that he has created since 2010. 

Even though he is an active real estate Broker in the Atlanta Metropolitan area, he continues to blog consistently to help visitors and those who desire lasting financial and life changing success the opportunity to change their life for the better in a more efficient way. 

You can learn more about him and gain access to all three sites that he has created by going to Who is the creator of page.

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