There's no question that credit is an important tool. A good credit score can show that the borrower is a trustworthy, and responsible person. Today's guest, Anselmo Moreno, is in the business of not only helping people fix their credit, but also educating them on how to better manage their credit, change their habits, and make better financial decisions. Anselmo started his journey early on, working for a local credit counseling company while he was still in High School. Now he is the owner of Innovative Credit Solutions in Bakersfield, and the founder of The Youth Financial Literacy Organization, a local non-profit group that teaches High School Seniors consumer finance skills. He is also the host of the Extra Credit Show, a weekly credit repair podcast on iTunes and Google Play.