There are few other topics in life that are more infested with speculation, cliche ideas, and “sounds-right” wisdom than the topic of Credit.

Wealth Esteem can help you by:

  • Teaching you everything you’ll ever need to know about credit: what it is, how it acutally works, and all of the cliche myths that don’t actually hold value!
  • Concrete steps tailored to your situation so you can finally take control of it.
  • Day or night guidance to help with any questions and walk you through exactly what to do each step of the way.


After over a decade of studying this very issue, mastering every aspect, I became furious with the fact that so many people have been given advice about Credit that is completely wrong. Or they are given suggestions that have little to no effect. This is because so many who work in financial fields rarely have the deep desire to fully understand Credit beyond whether their customer gets ‘approved’ or ‘declined’. For this reason, I felt a calling to clarify why, how, and what the heck credit is for those that have been seeking it for so long.


The single most toxic platitude about credit is if someone told you: “Get a Credit Card, use it for gas/small purchases, then pay it back… that’ll build your Credit.” – COMPLETELY FALSE
The truth is credit reports don’t show monthly activity, they simply show the end of month balance. So the student of mine that activates a card, but NEVER uses it, has the same end-of-month result as the person that’s been using it religiously for Flyer Miles and pays it off before the statement cuts.


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*** The Singular Truth that I’ve have discovered about Credit is this: That having an Excellent Credit rating just means you are good at borrowing O.P.M. (Other People’s Money) not that you are actually wealthy yourself… ***