My name is Bryan Pate. Credit has transformed my life, I moved from a 496 credit score to an 837 credit score in 6 months. When I achieved this 837 credit score, I noticed that I got favorable terms from banking institutions and auto dealerships.

They would address me as Mr. when I walked in after they’ve pulled my credit report. I now understood the power of credit. Bad credit is expensive, it is extremely expensive, and the same item purchased with a 550 credit score is significantly different from the purchase of that same item with a 720 or above credit score. What you realize over the life of the loan is that a person in the 500s credit score will pay almost 3 times more, than what another person would pay with a 720 or higher credit score for the same items or product.

So, understanding this important factor lead me to a campaign of education where I charged myself with figuring out how to repair, rebuild and restore my credit profile to match my end goal. Since learning credit, I have been able to change many lives, significantly reducing high interest rates through refinancing because credit scores were now in position to have the power to purchase, and families are able to save a lot more money in their pockets vs that same money going out to banks and institutions as high interest rates on loans. I am very passionate about the education of the consumer, knowing your rights and the laws that protect you as a federally protected consumer.

You have the right of privacy and you the consumer dictate and authorize what gets reported on your consumer report. Once you’re able to control what is reported on your consumer reports, you are able to influence the credit score. As a result, you will have favorable and lower interest rates, or the funding that you need. YOU ARE NOW IN A POSITION TO HAVE THE POWER TO PURCHASE and that is my goal for you.