Once a seasoned mortgage industry professional who thought he knew everything there was to know about credit, he realized just how wrong he was when the market crashed in 2008.

His income declined by 80% within a year, making it impossible to cover once manageable bills, leading to severely damaged credit and a very low credit score.

This led to an inability to get approved for mortgages, car loans, credit cards, or even book hotel rooms without running into significant difficulties.

After having to pay for everything in cash, he realized how much this was holding him back, and he was not alone. More than half of the adult population in America have either bad credit or no credit score at all. But what was the solution?

Most people look for "credit repair" as the holy grail. But based on all of Todd's research, he realized it was only a partial solution - at best.

Understanding how the whole system works - was the way to avoid frustration in the long run instead of just fixing earlier mistakes.