After having the world in the palm of my hand, believing I had it all with a 5-bedroom, 3-bathroom house in the country on 5 acres of land, 2 motorcycles, a truck, and 3 cars I thought I’d finally found financial freedom, but what a lie, until one morning on my way to work I hit a guardrail at 85 mph on my Harley.

After spending 10 months in the hospital, a lot of medical bills, and numerous months after with PTSD because I felt like I failed my family, I realized that (fico) was designed by the banking system for the banking system, using different pieces of credit data in your credit report.