Who Is Niki & Why Credit Consulting?

Hey!
 If you’ve landed here, it’s probably because we’ve crossed paths and you need some help with your credit profile. But first, you want to know who I am before you share all your financial secrets with me. I get it.
My name is Niki. I’m a mother of 3 crazy but happy kids, business owner, and credit junkie. Don’t forget forward thinker, optimist, beach bum, nature lover, and a huge book worm. I live in sunny Florida- don’t envy me, it’s HOT and sticky! I believe strongly in doing the right thing, and life will treat you alright. Ok, I think I’ve covered everything. Back to the credit junkie part….

Seriously, I am obsessed with all things credit. But believe it or not, I have been in your shoes before. I didn’t learn one thing about credit growing up, I mean, why didn’t they teach this stuff in school?? So, by the time I was 29 I had a long list of mistakes under my belt, and it was all highlighted for the world to see on my credit report. I was so embarrassed. This is why I firmly believe bad credit happens to good people. We weren’t taught this stuff in school, right? But, thank goodness for second chances!

I was able to get my credit back to excellent standing, and I saw doors open. I bought my first home (as a single mama!) with a 2.8% interest rate, and for the first time ever, I felt so grown up and empowered. There was freedom in those three numbers. I had to teach everyone I knew about credit. Since then, I have learned the ins and outs, the tips and tricks, and the rules and regulations. I took my exam and became Board Certified in 2021, and since then, I’ve had the privilege and opportunity to help so many others walk through doors they thought would never open for them.
(peep some of the reviews)

I take great pride in helping you achieve RESULTS. Don’t worry. You don’t need to fully understand every detail, it can be overwhelming. But I will be sure you understand the basics of building and protecting your credit, and how to keep yourself out of that credit pit once I help you dig yourself out of it. My goal is to keep things as short and sweet as possible for you, no hidden fees, no monthly charges, while I educate and empower you to move forward with great credit. Life is hectic enough, amiright? Let's keep it simple around here. 😉