I didn’t grow up with perfect credit—or perfect guidance. Like many people, I learned the hard way. After struggling with debt and feeling stuck, I became obsessed with understanding how credit really works. That journey led me to not only repair my own credit but also to help others do the same—faster, smarter, and with far less stress.

Based in Hawaii, I run a credit consulting firm built on one simple belief: credit should be a tool, not a trap. I work hands-on with everyday people—first-time homebuyers, entrepreneurs, parents—showing them how to clean up their credit, build it the right way, and actually use it to level up their lives. If you’ve ever felt like your credit is holding you back, I’ve been there—and I’ve built a system to help you break through.