Anyone wanting to improve their credit rating, increase credit score, clean up their credit report, pay off credit cards, pay down debt, remove student loans, remove health bills, lower costs to borrow, lower interest rate on credit cards, car loans and mortgage. Those whom want to start a business from home, build a legacy for their family, create residual income, make money on the side. I am a CPA, past real estate broker and insurance broker wanting help people understand how to use credit wisely and create another source of income.