About Us

I know what it's like. Not having good credit sucks. And instead of trying to fix my credit, I'd just stick my head in the sand and act like it didn't matter.

From a young age I did what most teenagers do, ABUSE their credit. The newest shoes, TVs, gaming systems, college, a first car I could barely afford, the newest iPhone, or ANY new overpriced trend that EVERYONE had to have.

You name it, I put it on credit.

And, at the time of each purchase, I wasn't thinking about having to pay it back eventually. Like most young and ignorant kids, I thought it was cool how I could buy something with NO cash. To me it was the most amazing thing, and I felt untouchable UNTIL those statements started coming in and the interest started to pile up.

In fact, it got so bad at a point, I couldn't even afford the MINIMUM payment on my credit card. My credit was falling apart before my own eyes, and it seemed like every single time I checked Credit Karma, the number was LOWER. I kept falling further in "the red".

605, 582, 564, 540, 523...

But you want to know what the real problem was here? ALL of these issues are leading to a bigger underlying issue that can affect you and your family for the REST of your life: not looking at credit properly and the many ways it can keep you from properly providing for your family.

Most people think building wealth is about “saving money” or simply “spending less”, but in reality it has way more to do with building good credit and more importantly, leveraging it. The truth is, most American’s have NEVER had an opportunity to learn HOW to do these things:

Pay off debts

Save for retirement

Buy their dream car or house

Or simply build up some emergency funds

This is a HUGE problem that’s not only KILLING your Credit, but it's going to limit your chances to build true wealth.

And after 2020, if you're a part of this crisis and continuing to struggle with damaged credit —I get it, it sucks. There's nothing fun about not being able to get approved for any loan or even a simple credit card. Maybe you’re one of the many this year suffering from a lack of income that has inevitably taken a HUGE hit on your credit.

However, there’s something else that’s hurting your credit even more than a lack of income or late payments. It’s the one thing that people ALWAYS seem to get wrong when it comes to their credit: