Most People struggle with bad credit because they're never taught how to handle it.

In fact, studies show that two out of three American adults struggle to pass even a basic financial literacy test. As a result, we often find ourselves sinking deeper into debt without a clear path forward, leading to panic and uncertainty.

I speak from personal experience because I've been there. I know what it's like to have a credit score so low that it prevents you from even opening a store card, let alone securing a mortgage with reasonable interest rates. The worst part is, if left unaddressed, bad credit can send you spiraling down a dangerous path toward unemployment, transportation issues, and even homelessness.

I share this not to instill fear, but because I came dangerously close to falling down that slope despite following all the conventional wisdom of living within my means. I tightened my belt, cut back on expenses, and prioritized saving, but it didn't make life any easier.

But here's the thing: it doesn't have to be this way. There are steps you can take to turn your situation around and reclaim control of your financial future. And I'm here to help you navigate that journey.