Since 1990, serving as a pre-funding consultant to individuals and businesses regarding creditworthiness to increase probability of application approval at best available rates, debt settlement consultant/counselor, professional continuing education educator, author, radio talk show co-host, and newspaper columnist.

Regarding credit damage, my purpose is to confirm and measure the change in creditworthiness to an individual or commercial enterprise due to injury, not self inflicted, for fairest damage compensation for general and special damages.