Let me share a little bit of my story.

In 2020, I went through one of the hardest seasons of my life. A hit-and-run accident led to serious financial problems, and eventually I had to file bankruptcy. Around the same time, the bank began garnishing my paychecks while I was dealing with family responsibilities, mental health stress, and trying to keep my small business afloat.

2020 was hard for a lot of people - and I was one of them.

At the time, I kept hearing people talk about business funding and using OPM (Other People's Money) to build wealth. But every path to funding required one thing I didn't have...

Good credit.

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My bankruptcy alone dropped my score over 100 points.

I felt stuck.

Instead of accepting it, I decided to start learning. I began studying consumer laws, understanding how credit reporting actually works.

As I applied what I was learning, I started seeing results.

Accounts began getting removed, and my credit scores started improving.

What many people don't realize is that there are laws designed to protect consumers —Credit bureaus and consumer reporting agencies make billions of dollars every year, and most people never question what appears on their credit reports.

But once I understood the system, everything changed.

That's when Ppls Favorite Enterprise was born.

I created this system and community to help others understand how credit reporting works so they can take control of their financial future.

My goal is simple:

To teach you how to fish so you can eat forever.

No more feeling lost when something negative appears on your credit report.

No more paying thousands of dollars over and over for someone else to fix something you can learn to challenge yourself.

I removed my own bankruptcy in 70 days because I focus on facts - not hacks.

Once I understood what I was reading and how the system worked, everything became clear.

Now I teach others how to do the same.