John Lear, founder of My Secret Credit Fix website is a noted credit expert and author of the best selling book of the same name, My Secret Credit Fix. Through exhaustive research combined with hundreds of interviews of credit challenged people fighting their own credit battles, John has compiled the definitive manual to credit repair. Oh, and John doesn't just write about how to fix bad credit - he has fixed his own. From tragic unexpected illness in his family which brought medical debt and then bankruptcy, to repossessions and tax liens, John has lived through all of it, and repaired his own credit to the point that he now has a credit score of over 800 with all three credit bureaus. His life is now devoted to helping others achieve excellent credit through his teachings.