Many people struggle with bad credit simply because they were never taught how to manage it.

Studies show that two out of three American adults can’t pass a basic financial literacy test. That lack of knowledge often leads to mounting debt, creating a cycle of worry and uncertainty.

I know this struggle firsthand. I’ve been in a place where my credit score was so low, I couldn’t even qualify for a simple store card—let alone a mortgage with reasonable rates. Worse still, if left unchecked, poor credit can lead to even bigger challenges like job loss, lack of reliable transportation, and even homelessness.

I’m sharing this not to scare you, but because I almost found myself at that point—despite following the usual advice of living within my means. I cut back, tightened my budget, and tried to save, but it didn't make life any easier.

But here’s the good news: it doesn’t have to stay this way. There are steps you can take to turn things around and regain control over your financial future. And I’m here to guide you through that journey.