After seven years working as a Mortgage Broker, Richard Moxley finally had enough of watching the Average Joe forced to pay thousands more in excess rates and fees, all because no one had taught them the rules of credit. These good, hardworking people were paying their bills on time, but like most North American's, had no idea there were 8 other rules to this credit game that no one had ever explained. The Nine Rules of Credit is a combination of insider secrets, money saving tips, and how to reverse engineer the credit scoring model to your advantage. Written so the Average Joe can easily apply all 9 rules of credit, and play the game to win!