Credit · · 3 min read
Building Credit Into the 830s and Becoming My Own Bank
I started with no credit and my last few dollars. I bought courses, learned the rules, and built my score into the 830s. That lesson became Credit Cure.
There is a moment every entrepreneur hits: the idea is good, the demand is there, and the money isn't. For me that moment came after I left the oil field. I had businesses that could work, but I had no credit and not enough cash to keep them running. Nobody was coming to fund me. So I decided to learn how to fund myself.
Starting from zero
I took my last few dollars and invested them in courses on credit and business funding. Not hype videos. Real education on how the bureaus report, how utilization works, why inquiries matter, how business credit is separate from personal credit and how lenders evaluate an LLC. I studied it like I was preparing for the oil field again, because in a way I was. One mistake could cost me years.
Then I applied it, slowly and deliberately. Clean up what was inaccurate. Build positive history. Keep balances low. Separate the business. Document everything. Over time my personal score climbed into the 830s, and I secured more than half a million dollars in business credit and personal lines of credit, as I shared in my VoyagePhoenix interview.
What “becoming your own bank” actually means
When I say I became my own bank, I don't mean I printed money. I mean I stopped asking permission for every move. With strong credit and established lines, I could buy a vehicle, cover a slow month or move on an opportunity without waiting on a single investor's approval. I became my own first investor.
That independence is what let Royal Rentals grow from ten cars to forty luxury and exotic vehicles across two cities. Each vehicle was underwritten like a deal. Each one had to make sense on paper before it ever hit the road.
Why I started Credit Cure
As my own credit improved, friends and family started asking how I did it. I realized that millions of people had no idea how the system works. Not because they weren't smart, but because nobody had ever explained it to them. So I started helping people repair and build credit, and in 2016 that became Credit Cure.
Credit Cure focuses on education and credit services: disputing inaccurate items, building positive history, establishing business credit and preparing for personal and business funding. Over the years we have worked with thousands of people. I'm proud of that, and I'm also honest about it: every file is different, and nobody can promise a specific score or a specific approval.
Credit and cars go hand in hand
Something interesting happened as Credit Cure grew. The people building credit wanted assets, and the asset I knew best was cars. Credit and car rentals started to feel like a package deal. A strong profile opens access to vehicles, and a well-managed vehicle can become a business. That's the thinking behind what I call real estate on wheels, and it's the foundation of the fleet mentorship I do today.
The rules I still live by
- Know your report better than your lender does. Pull it, read it, question it.
- Utilization is a lever. Low balances relative to limits move the needle.
- Separate personal and business. Proper entity, proper banking, proper records.
- Don't chase every approval. Inquiries and new accounts have a cost.
- Debt should buy assets. If it doesn't produce or protect income, think twice.
Credit is access, not identity
A number doesn't define you. But it does decide which doors open. My mission with Credit Cure, and with everything I build, is access: making sure a past mistake or a thin file doesn't decide anyone's future. I started from zero. The path is learnable.