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Credit & Personal Finance
Learn Why Credit Payoff & Having a Comprehensive  Understanding of "How Credit Works" is Critical For Your Success

What is inside Wealth Building Now...
1-2-3 Credit & Me is now available...
What's Inside 1-2-3...
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...

The 3 Step Approach--updated in 2023, now available on©2014, 2023...

Home Buyer 411 Updated©2014, 2023—also now available on

100 money saving strategies...

Learn about 15 Questions that every home buyer should know the answers to “prior to” purchasing their home…

Axioms for Wealth Building Success...

Credit Planning & Your Future Financial Success

Understanding how credit affects you and your family is of the utmost importance if you are sincere about moving yourself and your family forward in the financial realm of your life.

Credit ImprovementLearn how to make the credit reporting and credit scoring system work better for you...

Learn why having the right "MINDSET" is critical for your CREDIT Success...

You must realize that you can't continue to live your life in a manner where you owe others and in a manner where you don't have a plan in place to significantly reduce your debt—or pay off your debt!

In today's economy it is imperative that you gain the insight  that is needed to move yourself and your family forward in an efficient manner!

If you fail to take control of your credit and "properly establish" an emergency fund you are in essence making life far more difficult than it should be for yourself and your family!

By mastering the credit links below (which we feel are the most powerful ever created for your success) and applying the knowledge that you will gain—you will put yourself and your family in a winning position.

You will not only improve your credit, but you will strengthen your credit in such a manner that you will be in position to improve other areas of your finances—effectively and efficiently.  

Even if you have great credit and no debt you will gain valuable insight by going to the links below!

Be sure to properly focus, properly comprehend and properly apply all that you are about to learn on the following links—as by doing so major success is in your and your family's future!


Learn how you can master the "5 Credit Factors" and "achieve more" throughout your lifetime...

Learn why you must keep Negative information off of your credit report, keep your Utilization rate low, know how Time plays a factor in your credit management, know the Types of credit that you have and know why keeping Inquiries to a minimum may be in your best interest!

Clarity & Personal Finance

Create a Budget or Cash Flow Statement by Utilizing The "Budget Calculator"

Get Free Advice at

Create a Budget and Net Worth statement at

Calculate Your "Retirement Number" at Kiplinger.comGo to Most Viewed Tools on the bottom right of page...

Consumer Reporting Agencies that You Need to be Aware of...

Credit Scoring & Wealth Building--A Visitor Favorite

Credit & Finance Made Easy...NEW GUIDE

Credit ImprovementVisit this page before you do anything else

Credit & Insurance

Credit and Finance Management Systems

Credit Card Basics

Credit Card Payoff

Credit FreezeWhy you may want to request one

Credit Improvement--The Best Atlanta Real Estate Website


Credit Monitoring & Protecting Your Identity

Credit Scores, Re-Scoring & Personal Finance

Credit—Learn what the "Purpose of Credit" is...

Credit Understanding Credit & Debt Payoff

Credit ResourcesMandatory Resource if you are sincere in your effort to manage and improve your credit

Debt Payoff & Debt Paydown

Decisive Action
Why You Must Use Your Mind Appropriately

Discretionary Income & How it Affects Credit

Emergency FundLearn why you must properly establish one

Establishing Credit & Personal Finance

Financially Alert MindLearn why you must have a "financially alert mind"

Financial Goals & Objectives

Financial Goal Setting

Finance Improvement

Financial Statements (Personal)

Frequently Asked Questions about "New Book"

Get a Free Interactive Budget & Net Worth Statement at choosetosave.orgyou must have excel on your computer

Goals & Personal FinanceLearn How to set Meaningful Goals

Helpful Credit & Finance Websites

Humor & Personal FinanceLearn why approaching your credit & finance journey with humor on your side—will lead to a better ride

Imagination & Personal FinanceWhy you must "dream big" when formulating your future goals

Income & Personal Finance--Do you know the various types of income

Knowledge & Monthly Cash Flow

Learn How "The 3 Step Approach" Can Transform Your FutureNEW GUIDE

Life Stages & You

Life Stages of Financial Planning

Managing & Improving Your Credit

Mental Toughness & Personal Finance

Money Management Personalities

New Investors & Personal Finance

Personal Financial Statements

Preparation & Personal Finance

Proper Focus & Personal Finance

Purpose of Personal CreditWhy do I even need credit?

Responsibility & Personal Finance

Sincerity & Personal Finance

Timing & Personal Finance

Understanding The Various Types of Income

What is a Good Credit Score

Winning & Personal FinanceLearn how you can win in your financial future

Why You Must Understand "Mental Working Knowledge" While In the Process of Improving Your Credit & Finances

Why Managing & Improving Your Credit & Finances for this MILLENNIUM is so timely...

Why You Should Purchase Managing & Improving Your Credit & Finances for this MILLENNIUM?

What's Inside Managing & Improving Your Credit & Finances for this MILLENNIUM?

Return From Credit & Personal Finance to Keys to Success Page

Return to Top

Return From Credit Page to Realty 1 Strategic Advisors Home Page 

Our Latest release © 2023, "The 3 Step Structured Approach" now available on

NEW BOOK ©2021, 20231-2-3 Credit & MeNow Available

Learn what others are saying about our latest blog (Summer 2014)

Purchase "The Wealth Increaser"

Learn more about "The Wealth Increaser"

Learn about what is inside of "The Wealth Increaser"...

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 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 and possibly earn revenue by logging on to

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)

Atlanta Central Location:

Realty 1 Strategic Advisors, LLC

2940 West Stubbs Road

Atlanta, GA 30349

404-952-9284 (Direct)

Share this page: Live more abundantly. Pay it forward...
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The 3 Step Approach--updated in 2023, now available on


Jumbo Mortgage Loan News----Atlanta Luxury Home News

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