On April 25, 1992, I was laid off from my job. A few weeks later, my daughter was born. I was devastated as I faced life as a single mother with no income.

It was difficult for me to find work that paid enough with the added expense of daycare. I started depending more and more on my credit cards. The longer I was unemployed the deeper in debt I got. Eventually, I felt I had no choice but to file bankruptcy. My credit score went down 300 points. It took a lot of hard work to get my score back up.

Credit restoration is hard work and is time consuming. I realized that many people may not have the knowledge to get their scores back up.  And, I knew that there were people out there that feel as isolated as I did.

Whether you have filed bankruptcy or just want to learn more about credit, I am here to help.  Education is the key.