How it all started...

"The journey to creating The Credit Repair Ministry began with my own struggles. At one point, I faced the reality of having a repossession and collections on my credit, along with the overwhelming feeling of having more month than money. My credit felt like a wall I couldn’t climb over. When I entered the car industry, everything changed.

I learned how to help people get approved for car loans, but I also noticed a pattern in the Black community. Starting as early as 18, many of us didn’t understand how credit worked. We didn’t know how to strategically pay bills to build our credit, what interest rates truly meant, or how APR affected us long-term. My time in the car industry opened the door to fixing my own credit and helping others do the same.

But I also learned how expensive and ineffective traditional credit repair services could be—I spent money on services that didn’t deliver results. I knew there had to be a better way, one that was affordable and accessible to the people who needed it most. 

That’s why I created The Credit Repair Ministry. I’m here to teach people how to understand and manage their credit, so they can get approved for homes, cars, credit cards, and business loans. My mission is not just to repair credit but to empower individuals with the knowledge to take control of their financial futures.

This is about breaking generational cycles of financial struggle within the Black community and creating a legacy of financial freedom and opportunity. If I can do it, you can too. Together, we’ll build stronger credit and brighter futures."

-Kyterria Ivory, Creator of The Credit Repair Ministry