"You are on my mailing list and you should have been receiving emails from me about every week. Those emails should have led you to all of the credit wrrench information and if you are having troubles understanding or applying any part of it, you should be emailing me and asking me what you need to know or learn about." He has told you at least twice since then that he never got any of the "weekly emails", but you never responded. So far all you ever sent him for his $49.95 is the paragraph above. You seem to have plenty of time to pontificate on this forum, how about taking a few minutes and sending my friend the information he paid for?