I've been in the mortgage and insurance business for over 27 years. In 1992, started a full service insurance agency with Personal Auto, Home, and Commercial insurance. I quickly incorporated the mortgage business into the agency to offer with insurance products. In 1997 took over the families construction business and took over the construction of several projects and quickly became very involved in the new home construction & remodeling business. At this point, we started offering mortgages along with our construction services. We were able to offer a complete package of services to our clients. In 1998, we decided that we were seeing too many families that were trying to buy a home, but couldn't qualify because of credit issues. After multiple failures with credit repair companies, both local and national, we decided to learn the credit repair business. We spent the next few years learning and experimenting with fixing credit for ourselves, friends, and family. After about a year of learning, we began offering our credit repair services for free to our credit challenged clients. We quickly learned that credit can be fixed and improved for these families, and incorporated our Credit Repair & Improvement Services. In 2003, I obtained my real estate license in order to help our mortgage clients looking to buy a home. We had been helping families get prepared and approved for a home loan, so it was only logical to offer them the remaining services as a real estate agent to find the home. This helped our retention and referral rates for many years. The clients liked the fact that I could answer all of their questions with every part of the process, but actually help and handle the entire process.