About Alton J. Jones

Jones is the author of the book, Evil Money Evil Credit (available in paperback and eBook), which educates the reader in an easy-to-read and concise manner on the perils of mismanaging personal finance, from his own experience. He explains the importance of building and maintaining good credit and provides clear guidelines to dramatically enhance individual credit performance.

Jones drew on his personal experiences of being raised predominantly in a single-parent household and retrieving multiple collection agency calls as a teenager for his mother with poor credit. He promised himself that he would not follow the same path of financial irresponsibility into his adulthood, but it was the only path he knew.

He continued the cycle of financial irresponsibility into his adulthood.

As an honorably discharged service disabled veteran and unemployed, Jones was determined to make a better life for himself. Seven months of unemployment later, he secured a full-time job during the day and began night school to work on his master's degree in management.

Determined to improve his quality of life; he further secured a night time job, worked between school nights and weekends, drove 150 miles round-trip up to three nights a week to attend school, slept in his car, and then on a couch too small for his body in a studio located in a German roach infested apartment complex in Austin, Texas.

He survived on a diet consisted of a weekly rotation of homemade chili with beans or spaghetti made with a salsa and tomato paste sauce and high fat content ground beef. He received his master's degree and began working in the semiconductor industry.

Industry layoffs and seven more months of unemployment sent him back into financial turmoil.

He returned back to Phoenix to live with his mother while unemployed. He eventually secured a full-time employment. The debt accumulated over the years forced him to secure a second job twice a week, working 12-hour shifts on Friday and Saturday nights as taxi driver in Phoenix and Scottsdale.

Jones slowly paid off his debts, refused to file bankruptcy, overcame multiple occurrences of being a victim of ID theft and worked diligently to obtain excellent credit ratings with Experian, Equifax and TransUnion credit bureaus. In the process, he decided to share his experiences.

Jones is a service disabled Army veteran, active member of the American Legion, Veterans of Foreign Wars and Korean War Veterans Association.

He resides and is a native of Phoenix, Arizona, works as an information technology professional and holds a master's degree in Management Science from University of Central Texas, a bachelor's in Aviation Business Administration from Embry-Riddle Aeronautical University and an associate's degree from the New Mexico Military Institute.