I’m DeNise, founder of Credit Healing with DeNise; an official partner of Credit Healing, LLC. My path into credit education didn’t start from a place of expertise—it started from real life.

In 2018, as a single mother of four, my credit score sat in the low 500s after my vehicle was repossessed. Years of late payments and financial strain had caught up with me, and the responsibility of providing for my children felt heavier than ever. What felt like a breaking point became a turning point when I was introduced to the credit education industry the very next day.

With a Bachelor’s degree in Accounting, I understood numbers—but credit is a system most people are never taught how to navigate. I immersed myself in consumer laws, credit reporting practices, and the habits that shape long-term financial health. As I rebuilt my own credit, I began helping others do the same.