About 1-2-3 Credit & Me

1-2-3 Credit & Me is now available...
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Think Smarter.  Live Better.  Success is Now.




You can now start enjoying your life more and manage your credit in a smarter, more cost-effective, more time-efficient, easier-to-follow and easier-to-apply manner...

Learn how effective financial planning can change your life for the better...

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Learn what new book1-2-3 Credit & Me—is all about…

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


1-2-3 Credit & Me is now on the market and can help you better manage your credit and finances at this time and at the various stages in your life.


1-2-3 Credit & Me provides you the pressing knowledge that you need to know to manage your credit and finances in a way that works better for your long-term interests—not the interests of creditors and others who have no real concern about your finances—or financial future.


1-2-3 Credit & Me is the culmination of over 20 years of experience gained by Thomas (TJ) Underwood who is a former fee-only personal finance planner, top producing loan processor and currently a real estate broker at Realty 1 Strategic Advisors in Atlanta, Georgia.


1-2-3 Credit & Me is designed for those who desire to manage their credit in a more efficient and comprehensive manner whether they are new to credit or have been managing their credit for years—but desire to manage their credit in the best way possible from this day forward.


1-2-3 Credit & Me is easily one of the best values in personal finance as you can get the e-book version at a special COVID-19 price of only $9.99 (less than 3 cents a day on an annualized basis) on amazon.com.


Whether you find yourself in financial difficulty at this time or you desire to manage your credit and finances at a more optimal level you can use 1-2-3 Credit & Me to do just that.


1-2-3 Credit & Me consists of eleven chapters that are written in a way that is designed to inspire and ignite your mind and heart in a way that leads you toward taking control of your credit and finances from this day forward.

In real book form it consists of 234 pages that are designed to provide you the necessary insight to manage your credit and finances throughout your lifetime.


Chapter 1     Understanding Credit & Knowing the Purpose of Credit

Chapter 2   Stabilizing, Improving & Maintaining Your Credit

Chapter 3    Stabilizing Your Credit & Finance Position

Chapter 4     Improving Your Current Credit Position

Chapter 5     Maintaining Your Credit & Finances

Chapter 6     Understanding Credit Reports & Credit Scoring so that You Can Achieve MORE

Chapter 7     Credit Resources that You Must Be Aware of if You Desire to Achieve MORE

Chapter 8     Using Credit Cards Wisely as You Build Wealth

Chapter 9     Practical Management of Your Finances

Chapter 10     Life Stages & Financial Planning

Chapter 11     The SIMPLE Approach to Managing Your Credit & Finances

Appendix A, B and C provides additional information about the author along with “10 success principles" that came to mind as the author was finalizing this book.


What’s Inside 1-2-3 Credit & Me?


In chapter 1 you will learn what credit is and also learn the purpose of credit so that you can proceed throughout life in a way that you can confidently utilize credit. 

You will learn about the latest changes in the credit industry and you will learn what credit repair companies and others can and can’t do so that you won’t unwillingly fork over hundreds and hundreds of dollars and not get the results that you desire.


1-2-3 Credit & Me is written in a style and format that is designed to get you to take action and manage your financial affairs in a SIMPLE, yet highly effective way and will help you stabilize, improve and maintain your credit for the rest of your lifetime.


In chapter 2 you will learn the importance of stabilizing, improving and maintaining your credit so that you can position yourself for a lifetime of success.


You will be introduced to ways that you can use personal finance statements so that you can get a handle on your finances and know how to best proceed to achieve your goals. 


You will learn how to maximize your understanding of credit to your benefit so that you can achieve your goals and not be taken advantage of by others in the credit and finance industry.


And finally you will be introduced to ways that you can maintain your credit and finance position in the current economy, or any economy.


In chapter 3 you will learn about personal finance statements in greater detail so that you will have the knowledge that is needed to put together financial statements that will help you clarify your priorities and plan for your future with more certainty—thereby stabilizing your credit and finances.


In chapter 4 you will learn in great detail how you can effectively manage your credit for the rest of your life in a way that puts YOU in control and keeps YOU in control. 


You no longer have to be at a disadvantage when it comes to credit improvement and you will have a fail-safe way of approaching credit that works with your mind and will get you the results that you need to get to make reaching many of your goals more likely to occur.


In chapter 5 you will learn the truth about identity protection measures and the importance of protecting your credit and finance position so that you can maintain that position. 


You will learn about credit monitoring, credit freezes and common sense measures that you can take to protect your identity and financial position from hackers and others that desire to do you harm.


In chapter 6 you will learn the importance of understanding credit reports and credit scores so that you can achieve more in a timelier manner. 

You will learn and know how to use the three major credit bureaus to properly dispute information in your credit files and have it removed, add positive credit to your report and learn about the guidelines lenders use to rate credit.


You will also learn about automated underwriting that is widely used today in all types of transactions involving the use of credit including some of the most common credit decisions such as credit cards, auto loans, and home loans. 

That inside knowledge alone will put you in a better position for success when it comes to transactions that involve credit.


In chapter 7 you will learn about credit resources that can help you address all areas of your credit concerns that you may have throughout your lifetime so that you can achieve more and save valuable time in the process.


To close out the chapter you will learn about letters that you can possibly use (or serve as a guide) with creditors and the credit reporting agencies so that you can get a feel of what will be required of you if your credit is at a point where you need to clean up your credit due to poor or non-existent money management in your past. 

These are actual letters that have been utilized against creditors and the credit bureaus to achieve real outcomes.


In chapter 8 you will learn how to use credit wisely so that you can build wealth in a way that serves your and your family’s best interest. 

You will learn how you can use zero percent credit card promotions and reward cards to achieve beneficial outcomes on a consistent basis.


In chapter 9 you will learn about practical ways that you can manage your finances better.   

You will learn in great detail what makes up your personal finances, how to set and reach your financial goals more efficiently, how the proper buying and selling of real estate affects your finances along with options for those who find themselves in a difficult financial position at this time. 


College funding options will also be presented so that you can avoid or reduce the likelihood of borrowing for your or your children(s) educational costs in the future.


In chapter 10 you will learn how you can benefit financially by having a real understanding of where you are at in your financial life stage.

You will learn about the "4 life stages" so that you can look at your past, present and future from a different angle so that you can see your finances and future with more clarity.

You will also learn about the asset accumulation stage of your life in great detail and you will learn about home buying and selling in a way that works in your favor.

Furthermore, you will learn a number of car buying strategies, learn about expanded credit reports, insurance as it relates to credit, employment as it relates to credit, secured credit cards as it relates to credit and ways that you can use reward cards more effectively.


In chapter 11 you will integrate all that you have learned in the previous 10 chapters into a cohesive approach that you can use in a SIMPLE way to achieve at an optimal level as it relates to your credit and finances for the rest of your life.


You will now know at this point how you can stabilize, improve and maintain your credit during your lifetime, manage your monthly bills in a way that not only puts you in control but reduces your daily stress, plan for success in a smarter way and prepare your mind for new ways of learning that can take your achievement even higher.

You will learn 2 foolproof ways to achieve what you desire in a 3 step process that will be illuminated in your mind and you will have thoroughly mastered at this point.


You will also at this point know the importance of properly establishing an emergency fund and you will know all areas of your finances that will be affected by your credit and/or credit score such as your auto purchase, credit card application(s), employment, home purchase, insurance, rental property and everything else (the 4th bureau)! 


Most importantly you will know how to execute all that you have learned in 1-2-3 Credit & Me on a consistent basis so that you can achieve more and do what you desire during your lifetime in a more definitive manner.


You will soon be saying 1-2-3, now I can truly see!

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About This Article:


The above article was written by Thomas (TJ) UnderwoodThomas (TJ) Underwood is a former fee-only financial planner, a former top producing loan processor and is currently a licensed real estate broker in the state of Georgia. 

He is the writer behind The Real Estate & Finance 360 Degrees Series of Books that include The Wealth Increaser, Home Buyer 411 The Smart Guide to Buying Your Home, Home Seller 411 The Smart Guide to Selling Your Home, and  Managing & Improving Your Credit & Finances for this MILLENNIUM.

In addition he is also the writer who created The 3 Step Structured Approach to Managing Your Finances, and CREDIT & FINANCE IMPROVEMENT MADE EASY—NEW GUIDE that you can download right now "(at MIMIMAL cost $3.95)" to learn more about his writing style and how you can achieve "more" success in the current economy.

He is the creator of TheWealthIncreaser.com 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. He was the first financial planner to coin the phrase "financially alert mind"  and he consistently writes in a style that is designed to provide consumers the ability to take control of their lives and achieve great results.

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 highly relevant tips on "living your life more abundantly" and link to TheWealthIncreaser.com and possibly earn revenue by logging on to TheWealthIncreaser.com.

He is also an IRS registered tax planning professional with over 30 years of tax experience and can be reached at:




Atlanta South Location:

Realty 1 Strategic Advisors, LLC

77 Prestwick Lane

Peachtree City, GA 30269

770-719-4550 (Direct)

866-577-7927 (Fax)


Atlanta Central Location:

Realty 1 Strategic Advisors, LLC

2940 West Stubbs Road

Atlanta, GA 30349

404-952-9284 (Direct)

866-577-7927 (Fax)


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