how to get good credit expert -- alton j. jones, author of the book, 'evil money evil credit', alton j. jones, from his own experience, delivers clear and concise guidelines which tell people the importance of building and maintaining good credit and the perils of personal financial mismanagement. jones lives in phoenix, arizona. he received his a.a. degree from new mexico military institute, his b.s. in aviation business administration from embry-riddle aeronautical university and m.s. in management science from the university of central texas.