Author, motivational speaker, credit expert.

Alton (pronounced Al-ton) is the author of the book, Evil Money Evil Credit, 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.
 
He drew on this 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.

Making a better life

As an unemployed, honorably discharged service disabled veteran, 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 German roach infested studio apartment located in Austin, Texas. 

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

A few years later, industry layoffs followed by seven months of unemployment sent him into financial turmoil and back home to Phoenix, Arizona to start a new chapter in his life.

He returned home to live with his mother in Phoenix while actively seeking employment.  Eventually he secured full-time employment.  His debt during periods of unemployment demanded a second job twice a week, working 12-hour shifts on Friday and Saturday nights as a taxi driver in Phoenix and Scottsdale.

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

He is a native of and resides in Phoenix, 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.