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Andrea Otey

Hello my name is Andrea Otey I’m from Glendale Arizona and before Smart Credit University I was stuck financially. My credit was poor and I didn’t want to apply for any credit for the fear of being denied. In April 2020 I had just lost my brother-in-law to Covid and I was so embarrassed and devastated because I could not afford a plane ticket to go home for his funeral. fast forward to June of that year we couldn’t celebrate my birthday because we were in the middle of a pandemic. Depressingly I was scrolling on social media and I came across Jeri’s video. I don’t normally watch advertisement but this time I decided to watch. It was just the answer I needed, but it at that time I couldn’t afford the entire cost of the program, I believe it was divine intervention that she happened to be running a pay monthly special and I took advantage of that I said I’d waste more a month in junk than I would trying to gain some education and clarity about my finances. I thank God I did. I wasn’t taught about finances and credit growing up, I was raised by my grandmother, not to say it wasn’t a loving childhood but we know that generation just didn’t talk about finances in front of the kids. I had credit cards in the past and was ignorant about the facts of fees and payments..etc so I destroyed my credit at a early age and I never try to get credit again. I wanted desperately to break that generational ignorance of finances and credit. Here I am in my 50s trying to get credit to gain credit to build credit. When I started my credit score was 501/502. I plugged into all of the huddles and I applied what was taught. By April 2021, a year later I had raise my credit score to 702 on one report and 715 on the other I could not believe it. I thought I was dreaming. I would constantly check my credit like you would check on a brand new baby and just smile when I saw those 700’s. I always wanted to reach it because Jeri said once you get to the 700 and above you’re starting to get in that sweet spot and I believed it because I was living it. At the end of that April 2021 tragedy hit again and I lost my father to Covid. Because of the Smart Credit University I was able to afford to fly home to my father’s funeral, but not just me my husband and other family members as well. I couldn’t believe it, no fundraisers or go fund me or car washes just my good old hard work and staying focused and paying attention paid off. I spent from April 2021 to January 2022 at my childhood home which I inherited, taking care of my father‘s estate. While I was there I was approved to have all new windows install, I was approved for a brand new 2021 Ford F150 truck and 12 revolving credit cards. The 10 months I spent away from my family and home business and it took a hit and I did take some dips in my credit due to usage, however I continue to pay on time and all accounts are in good standing. The skills and tools I’ve obtained from Smart Credit University are life long. I’ve since been able to bring my scores back up by using those same principals I’ve learned in Smart Credit University. I’m back in Arizona and decided to take my business to the next level. I’ve decided take the show me the money business credit challenge to build business credit to add to the building blocks of the of building business credit so if I have to take time away from my business it can sustain, not only by having cash flow but possibly hiring another person and I won’t have to use my personal credit to build my business. With the knowledge that I’ve gained from this course the sky is the limit. I definitely recommend this course or any of the courses in Smart Credit University P.S. My husband no longer calls me the layaway queen because prior to this I was either cash and carry or layaway. Layaway is extinct. Lol sorry for the long review I just had so much to brag about

Andrea Otey

May 28, 2022