I purchased the book for 9.95 as a special by 12/19/20. The first step was to do a credit check on 360. A $1 charge to be on my card till 1/10/2021 after that I'm charged 39.95 per month. I have yet to find the link or message letting me know about step two or when the book is coming. But I did get advertising for the Facebook group and 29.95 for electronic creditors letters. Now I'm getting info on a training class for $500 a day. If I could afford all the extra I would not be trying to get the info. The credit site was not helpful or informed of anything I didn't already know.