At the age of 24, I beat the odds against me as an inner city, single mother and graduated college with a Masters Degree in Social Work. At the start of my career I was earning less than 30k a year! Financially, I struggled to provide for myself and my son, mostly due to lack of knowledge. I didn’t know how to manage my money and certainly not my credit. I didn’t learn much about managing finances at school or home. I just knew how to “make it”
But “making it”, wasn’t cutting it. I had no budget, no savings and a credit score of 471! My credit report was filled with judgements, collections, late pays and charge offs. It wasn’t that I didn’t want to pay my bills or felt they weren’t important, but there were times when I had to decide if I was going to pay my cable bill or my car note. I always chose the latter
I felt trapped by my money woes. I wasn’t progressing in life the way I wanted to. The only thing I could finance in my name was a small car and the interest rate was so high, I paid nearly 3x the original price at the end of the loan agreement. One evening, I told myself “My future will not be held hostage by my current circumstance”. I was finally fed up and decided to take charge of my finances, starting with my credit
Within in two years, I was able to purchase my first home. To date, my credit score has gone up by more than 250 points! Being able to utilize my credit to purchase my home, a new car, etc has come with a sense of accomplishment, empowerment and confidence. But overall, the sense of peace I have is second to none
I knew that I couldn’t keep this journey to myself. Not only did I want to share it with other people, but I also wanted to help other women and families who may be facing issues similar to mine. In 2015 I became a Certified Credit Consultant and in 2016, founded Ally Credit Consulting, a credit repair company, with a mission to help others obtain confidence and peace of mind when it comes to their credit
"Give a man a fish, and you feed him for a day. Teach a man to fish, and you feed him for a lifetime. "
After working in the credit repair industry, I realized that my true passion is empowering others with credit education. According to studies, almost half of millennials-46%-feel held back by their credit scores, the same experience I felt. I also knew that my experience was partly based on lack of education in regards to credit. So I decided to leverage my knowledge and experience to reach those who are also feeling held back. I no longer wanted to fill a need temporarily with credit repair services, instead I realized that there is more value in teaching my clients the skills needed to provide long term benefits to their credit profile. From there, Conquer Your Credit was born!
Conquer Your Credit strives to educate, equip and empower millennials to find solutions to their credit challenges and goals.
847 Sumpter Road Suite 416 Belleville, MI 48111
Available by Appt Only