A Story of victory — and why I love what I do.

I love what I do! Here’s why:

I met with a past client the other day whose story inspired me, and I want to share it with you toward that same end — that you will be inspired. I know you will! It’s stories like this that keep me passionate about helping people meet their financial goals that require getting a grip on their debt and credit management.

At the beginning of this story this person was in her mid-30’s, had two small children, and a hard-working, devoted husband. Things were rolling along uneventful, so to speak, when her husband was suddenly killed, almost instantly, when hit by a speeding car while he was checking the mail. Needless to say, her life was turned upside down and unbelievably very challenging for a while. Fortunately, such disruptive, sudden tragedy does not hit us all, but you can probably imagine.

The good news is, Spring comes after Winter. Morning comes after the night.

Life has a way of forcing us onward!

Following some time grieving, this mother of two had to begin thinking of finances, and how to make a living as an only parent (they did not have life insurance on the husband, either). Before having children she had been a teacher and counselor for years at a junior high school, but the thought of going back to it seemed too time-demanding and stressful in conjunction with being a mother. She had a strong desire to be there for her children, and not have to send them off to daycare or something similar.

After some trusted counsel, and what seemed like an eternity, she decided to seek a career as a financial adviser– something she had always had interest in. She knew she could have a more flexible schedule, work at home a lot, and potentially make more money than as a teacher. However, she ran into a couple of snags.

Snag # 1 The first was that wherever she applied for work they required a credit check since she was applying to work in a position related to personal finance management and investments. Why was this a “snag”? To her surprise, she was denied application due to credit and debt problems. She thought her credit was fine; it was, before her husband’s untimely death. Understandably, during her tragedy, and the fallout afterward, bills didn’t get paid on time, or not paid at all, and hospital bills she thought insurance was covering had stacked up. To make a long story short, she almost lost her home, too. She had no idea what her credit reports looked like, since, like many people, she had not checked her credit in almost two years.

Snag # 2 The second snag was that she didn’t know what to do about it. One of the flaws of our credit reporting and scoring system is that your credit rating can decline almost over night with one late payment or one collection, but once you start re-building it can takes years. She had gotten in the pit of credit and debt problems and didn’t know where to start to get out.

She eventually came to Upgrade My Credit for help, but not until she had already been forced to go back to work as a school counselor, putting her kids in daycare, and being gone all day. It killed her to not be there for her children as she felt they needed. Fueled by her own experiences now more than ever, in the evenings after her kids were in bed, she burned the proverbial midnight oil studying toward her goal of becoming a financial adviser.

I personally lost my wife to cancer and was left with 4 young kids to raise alone. It was the hardest thing I have ever faced to date. Needless to say, I could relate, and my heart went out to her. I could barely keep back my own tears.

There is a light at the end of the tunnel

To jump ahead, it has now been a little over a year since she came to us for help, and I am happy to say that her credit report and scores are in excellent shape. It is my great privilege to have been able to assist her.

This May will be three years since losing her husband, yet it will also mark her last semester of school counseling, and mark jumping full time into her new dream career of financial adviser. Her credit issues are solved, and has a budget in place to get out of debt. She passed all required tests and certifications! In fact, she has been helping people with their financial planning for months now.

A Happy Ending

Today, she is still challenged daily with all that is involved in being an only parent of two kids, but in my book, her story classifies as a happy ending. Of course, she misses her husband and the weight of it all is still on her shoulders. Yet it is inspiring to me that she is well on her way, step by step, to some sense of normalcy on the financial front, not to mention the side benefit of a work schedule flexible enough to allow her to continue being the mother she desires to be for her children. The remaining challenges are being, and will be overcome in time, I am confident.

And this is why I love what I do!


If you were inspired reading this story of how real people overcame what could have been a devastating life event please recommend and share.

We at Upgrade My Credit know that many things can happen in life to cause financial and credit crisis besides the story just told, like divorce, job loss, medical condition, loss of business, identity theft, and many others. Don’t worry, we can help you get your financial dignity back. upgrademycredit.com

Photo Credits: http://www.freeimages.com/photographer/simmbarb-49297