Just a brief background as to why I got started doing what I do. I was a broke college student loading up on student loans and credit cards to get by. I graduated in debt up to my eyeballs and was struggling to make ends meet which resulted in horrible credit and debt collectors chasing me.  I felt out of control and unworthy and it was affecting my morale but I would never show it to the outside world.  On the outside to everyone else it looked like I had it all together.  I found the FBC formula to fix my debt, fix my credit and get the perfect credit I know I deserved.  Now I want to share this with everyone so they too can have a peaceful balanced life and experience the perfect credit lifestyle with the freedom of choices.