I'm Jacquelyn Calloway, Owner of The Credit RX. I am super passionate about teaching others how to live financially FREE. I give you a prescription for OVERALL financial wellness...pieces to the puzzle if you will. I love credit repair and yes that is one piece...but there are others as well. Got paid on Friday and broke on Monday? I can help. Need help creating a budget? I can help. Tired of paying rent when you can be owning your own home? I can help. Want to get out of debt? I can help that too.
I've experienced and seen in others the devastating impact of poverty, low credit scores, and lack of financial literacy. Because of this, I am making it my life's mission to help educate others on how to break the cycle and achieve financial wellness.
My story began just like so many of yours. I wanted to buy something...but did not know that without a great credit score, I would be either denied credit or be penalized by being charged outrageous interest rates. My first meet with Credit was in 2008. I wanted to buy a home for my two beautiful children Milton and Asia. I wanted more for my children than I had growing up....so I decided to apply for a loan to buy my first house. Easy enough right? WRONG! My application was DENIED because my credit score was in the mid 500s and I needed a 640. Not only denied, but no-one could tell me what to do to fix it!!! It didn't matter how much I made on my job, how much money I had...because my score was considered "poor", I found out that CREDIT IS KING!
So my journey in credit repair began. I began reading books and learning everything I could about credit repair. I started calling creditors, paying off debt, disputing inaccurate items and eventually raised my score to the 640 needed and was approved for my first home!!! Here's the catch...yes I did get approved which means I now have a new home...but my INTEREST RATE (how much extra I will pay for borrowing this money) would be much higher than if i had a 740 score. What this equates to is me having to pay $100 or more per month than a person with a 740 score. YIKES!!!
Little did I know, that even back then, God was preparing me for my journey to help others do the same. I am so grateful for my journey. Know that you are not alone in this! Jacquelyn has a degree in Business Administration and is a Board Certified Credit Counselor.
If you have an audience that could benefit from Financial Inspiration, Motivation and Empowerment, let Jacquelyn inspire your group. Visit us online at www.thecreditrx.com Or email email@example.com http://www.thecreditrx.com
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