Flame Newton is the author of THE SCHOOL OF CREDIT Learn & Master the 12 levels of the American Credit System, and the upcoming book, THE SCHOOL OF CREDIT Learn & Master the 8 levels of the American Business Credit System. Along with these books, Flame has recently created a program called “The ATM” Access The Money that is coming soon. He is a true "Renaissance Man." Flame currently resides in Phoenix, Arizona, and is a graduate of North Carolina A&T State University. His energetic personality, vast knowledge, and bounteous intelligence has allowed Flame to successfully fill in many roles for different people. 

 Flame knows how the credit system works from the inside out—having a unique story himself. Flame is a convicted felon. He was convicted of Aggravated Identity Theft, Money Laundering, and Bank Fraud, which landed him a stint in federal prison. Unlike others convicted of those charges, Flame's first approach was not to ruin people's credit; even the Government claimed what Flame did was unheard of. He stole people's identity just to make it better, and by doing so, he improved it to a point in which it had value. Although there were no altruistic motives in his crime, it did provide proof of the concept that a large majority of people have no idea how to manage credit or understand the credit process. Flame understood his mistake and was able to accept full responsibility for his actions. You will learn the unique promise he made to the sentencing judge. He is not telling you something he tried, attempted, or tested; what Flame learned work to the point where he capitalized on millions of dollars as told by the United States Department of Justice.  

You will learn from his principles of education, where he read, studied, and gathered the knowledge of credit that was accessible for everyone. Flame also learned about banking and finance from the people who made the policies; what information is needed from people when they are disputing their credit transactions and what they need to do to protect their credit profiles.  

Nationally recognized as America's foremost credit specialist, Flame has first-hand knowledge of the inner-workings of banks, collection agencies, credit bureaus, mortgage companies, law firms, medical providers, insurance companies, credit card companies, car dealerships, and any other institutions that deal in credit. He is also an expert in law as it is interpreted by the Federal Trade Commission, Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. 

 His passion and determination clearly set him apart from anyone that has ever entered the credit field. He has a strong desire to teach in a way that gets you excited about learning credit. He wanted to share a never-before-seen type of method that will shake up the credit world.