Janay White of J. White Credit University is determined to provide youth with knowledge and wisdom about having stellar credit while having a good time. To meet this goal, she partnered with Dr. Shanna M. Carter of Krumpin 4 Success, Inc., to host the Teen Personal Credit Seminar held inside the Clanzel Brown community center located on the northside. Nearly 100 parents and youth ready to gain information about personal credit attended the day long event.
“This was such an amazing turnout for youth in our city. We are passionate about helping our African American youth have financial freedom,” said Dr. Carter. White’s diverse resume includes positions as a social worker, fraud investigator and a revenue auditor. At 18 years old she received her first loan from Vystar credit union for $500 and immediately ruined her credit due to the lack of education and ignorance. She was held hostage by bad credit for seven years, at the age of 25 she began rebuilding her credit and researching how to boost her scores. She became infatuated with all things credit related and started to get approved for all credit applications. This resulted in her becoming a slave to debt. Once she realized the process and laws of credit scores and lending, she realized that having good credit without being educated on credit was a disaster waiting to happen.
“‘I’ve learned my lesson, and now I’m determined to prevent others in our community from following the same path of credit destruction. It was spiritually and emotionally satisfying to see a room full of teenagers and their parents to pack out a room to learn about credit. I look forward to making myself available to be able to offer these events more often,” said White. Shown is White speaking to the students.