I've had a diverse professional life. I've been a licensed Real Estate Salesman and broker. I owned a custom home building company in New York for 18 years. I've sold real estate and vacation packages for Marriott and Hilton. I was a senior corporate officer with a non profit credit restoration company for 6 years and taught personal and business credit at a local community college for 3 years.For more than 40 years I've worked with people with credit issues.I've learned how the system works and how to use it to improve personal credit.