03/15/2026
Before I became a lender, my husband and I had some financial struggles. Debt chased us, medical bills, and even had something go to collections. I reached out to the broker/owner of Total Financial Health, Johnny Thomas, and asked for help. My credit which had always been good, plunged into the mid 500s. As my financial advisor, Johnny coached me, taught me the game of credit (which is an absolute game,) and together we took control of my situation and started cleaning up things.
Soon afterwards, at Johnny’s invitation, I got my mortgage license and hit the road running.
Things I learned.
You don’t have to pay any company to help you fix your credit. There is much you can do yourself.
Credit cards are your friends. Paying them off monthly makes your credit increase greatly. It has been my motto since then to pay cash in the barrel like Pa from Little House on the Prarie. If I can’t pay off that debt within a month, I don’t buy it. This goes for expensive vacations too.
You have a lot of rights as a consumer.
- Right to free credit reports
-Right to dispute charges that are inaccurate.
- Right as a debtor for creditors to provide proof of a debt or that debt is illegal.
-Rights to accurate credit and financial information.
I work with my clients sometimes for a few years to get them ready to generally make the largest purchase in their lifetime, a home.
I listen. Together we will make a plan to move forward.
Below is my credit score as of today. Once you understand the game of credit and how to play, you will win.
