While many teenagers experienced a no-history credit profile when they begin applying for credit, I started out with good credit. I was able to obtain a healthy credit score because my father’s credit merged with mine at a young age. Although I would receive quick approvals and would hear that I had good credit, no one ever taught me about credit, how to pay your bills on time, what type of credit I needed, etc. Needless to say I bought everything under the sun and placed myself in tumultuous debt.
At 20 years old I had great credit, however, I didn’t know how to maintain my credit. I wasn’t aware of the impact of credit inquiries, late payments, or utilization. By the time I was 25 years old unforeseen circumstances hit my life and I lost everything. Shortly thereafter I met a gentleman by the name of Ivory Mitchell. He taught me about credit. He taught me all about finances, business and personal credit. I became his protege and was willing to learn everything about finance. Sadly to say, he passed away not long after I began learning about credit.
Through the information I learned I begin repairing my own personal credit. The only problem was I had only 2 current items reporting on my credit report. This go around I was hit with all the high interest credit cards and loans because I no longer had that history to back me up.
In 2012, I started my credit repair company, began attending credit boot camps, learned from mentors like Eric Counts and Rondi Lambeth. I was simultaneously creating healthy meals for celebrities, high net-worth individuals and family members while teaching them the importance of healthy eating and healthy living…and then The Credit Chef began.