Cracking the code to unlock the secrets of your credit score comes down to learning the ins and outs of how the credit bureaus rate you.

READ: 10 Secrets To Improve Your Credit

Al Bingham’s book, The Road to 850, describes how codes can impact your credit scores and explains the four critical ratios, the four important dates and the four levels of delinquency with detailed explanations, examples and displays.

It also provides 94 proven strategies and identifies all the necessary requirements for a credit score in the golden range -- 760 to 850.

Whether your credit score is a low 300 or a perfect 850, it's all about saving money. Upping your score just 20 points can save you $100 a month in interest and insurance.

The savings will vary from state to state. For the average household of four people with a $300,000 mortgage, auto loan, average size credit card debt and insurance, the cost runs approximately $100 a month for every 20 points below 740 through to about 540.

The numbers are slightly less than $100 a month between 700 and 740, and slightly more than $100 a month from 640 down to 540.

Al will be conducting two classes for the public:

TUESDAY, MAY 27

6:30 to 9 p.m.

Arizona School of Business and Real Estate
7142 E First Street
Scottsdale, AZ

WEDNESDAY, MAY 28

6:30 to 9 p.m.

Gilbert Towne Center
665 North Gilbert Road #152
Gilbert, AZ

To register, CLICK HERE and follow the links.