Hi! I'm Sandy, and my business is Scoreflo LLC. My website is scoreflo.com. I have a passion for credit and helping people develop strong, healthy credit profiles. Our credit is one of the most critical financial tools at our disposal. Our credit is hugely influential in our day-to-day lives, and it has a massive impact on our decisions and finances. The better your credit is, the more affordable life will be. But, beyond that, the better your credit is, the stronger you feel because you will understand that you can do things that someone with undeveloped credit can not- like move where you want to, secure a higher-paying job, and get security clearance. Finance products/services, buying a home, a car, a boat, starting or scaling a business, and so much more. Our credit impacts our ability to establish utility services, health/car/life insurance rates, and so much more. I began building my credit at the age of 17. Back then, I opened a Visa Clout credit card (which is no longer offered), and to my knowledge, I haven't found a product a 17-year-old can open nowadays, but there are workarounds to help young people build credit. I was inspired to build credit because I worked at a gas station and Victoria's Secret. In each space, I found that people would often get stuck at the register because they didn't have the right amount of cash on hand, or they would apply for credit and get approved or denied credit altogether. For those who were approved, I could see the excitement and relief; for the others who were denied, I could see and feel the stress, disappointment, and irritation. I would have to painfully watch people put things back that they wanted/needed, hanging their heads in shame or guilt. As time went on, I observed the same excitement or disappointment repeatedly, wherever I went. I would go on to help people amass hundreds of thousands of dollars in available credit, buy homes, and finance the things they wanted/needed at 0% interest, making those products/services affordable.

This makes me think of two things: 1. Stocks. The right time to buy stocks is now. When you have the money for it, you buy it. You can wait for the stock to fall, but it may continue to rise. You need to be in (the market) to MAKE PROGRESS. 1. ...“The best time to plant a tree was 20 years ago. The second best time is now.” - Chinese Proverb