Denise Richardson paid a little extra on her mortgage each month, hoping to shorten the length of her mortgage and pay less interest charges. That simple, recommended practice catapulted her into an epic David vs. Goliath battle(s) stealing her true credit identity and a decade of her life. After reclaiming her good name-briefly, she realized others were shredding her credit and would steal another five years of her life. Denise paints a human face on the insidious effects of Identity theft, inaccurate credit reporting and loan servicing fraud while offering chapter lessons that provide knowledgeable tips to help prevent becoming a victim of a system gone terribly wrong.