Isn’t it so frustrating knowing you have the money to purchase something you like such as a new car, a new apartment or the latest iPhone but cannot because of your credit score? Ugh, just the thought alone makes me cringe but no worries, I’m here to help you!  

My name is Crystal, Crystal Jeffrey, and I’m a certified credit consultant. Since 2016 I’ve been successfully coaching clients throughout the Tristate area and facilitating their self-growth. If you are feeling overwhelmed by life’s demands, my services aim to introduce clarity and self-motivation. I also teach techniques to better manage the emotional stress of everyday life.

I created this blog just for you! You can always find the best credit tips, life tips and hey maybe even some meal tips! Jk, I am not the best chef. lol. At the age of 24 I had no credit, did not own any credit cards and was not planning on getting any. In the beginning, I was soo afraid of getting a credit card because growing up I was always told credit cards bring nothing but debt! Then I learned that is completely false! If you know how to manage your credit cards, you won’t have nightmares of the debt collection companies calling you.

In one year I manage to build a 750+ credit score all with the start of one credit card, it was a secured credit card. We’ll discuss more on the perks of a secured credit card in a later post. After 6-7 months with my secured card I applied for my first store credit card and was approved for $800.00 right on the spot and then only 4 months later I received an increase of $1,200.00!  So in just a few months, I went from a $800.00 credit limit to a $2,000.00 credit limit. I felt good! 

A year later, I now manage several credit cards, two auto loans (working on getting a mortgage) AND help others get back on their road to financial freedom. I’ve helped my clients remove collections, charge-offs, judgments, bankruptcies, lower their balances and even manage their money!

Doesn’t sound like too much but like I mentioned earlier I’m here to help you! I will mentor you with all the necessary secrets and tips to have the best credit score all while being debt free so it’s easier to manage your every day lifestyle. 

Feel free to leave comments or questions if you have any, I’ll be sure to always get back to every comment. In the meantime, always remember.. Having excellent credit is a choice, it’s UrChoice!

Leave a Reply

Skip to content