We face unexpected situations all the time, and usually, it's at inappropriate times. When these situations occur, we make decisions that may affect our future for years to come. I was one of those people, but not anymore.

Hey, I am Lois Janniere, and am your credit expert. Let me tell you a bit about myself. I have been living life, playing by all the rules, being a responsible, model citizen, paying bills promptly, when one of life's low-points struck unexpectedly. I became very ill. As a result of numerous doctor's appointments, surgeries and overall treatment, and soon racked up high amount of medical debt. I was left with bills that eventually went to collections, which severely lowered my credit score. I sought various avenues, and paid lots of money in order to have them removed, but it was futile. That is when I started an in-depth study of how to repair my own credit. Coming from a teaching background, it is my earnest desire to assist others who may have faced or may be facing unexpected life situations. It may not be a medical catastrophe, but it may be unemployment, a death in your family or something that takes a huge bite out of your credit score. Let me help you live the life you deserve by raising your credit score.