The Behaviors Behind Your Credit Score – Michael Holmes

Our guest today will make you think about your credit, and your credit score. He also reminds us that our credit is not actually our score at all, but about the behaviors that are behind how we make, spend, and save our money.

Michael Holmes, President of Delta Credit Restoration has helped thousands of people in the last ten years, raising their credit score a combined total of hundreds of thousands of points.  He has also helped convert hundreds of renters into home buyers.  

In this episode Michael shares some stunning statistics, such as the fact that 1/3 of Americans have a problem with their credit report, and many don’t even know it. He also outlines the core elements to the credit repair strategy that he uses with his clients to help them repair their credit and achieve financial buoyancy. In the end, he also shares some staggering truths that many Americans will face as help they may have received during Covid. This is a must-listen.

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Thank you to our April Sponsor: Entrepreneur’s Guide to Financial Well-Being or Wayne Titus

Imagine starting a long journey without a map…or even a clear idea of the obstacles ahead. That’s exactly what it’s like for entrepreneurs who start companies with a lot of passion, but without the financial expertise to grow and scale their businesses and create long-term wealth for their families.

Wayne Titus shows you how to find a financial adviser who can help you map a better journey. In his book, The Entrepreneur’s Guide to Financial Well-Being.  With the right adviser at your side, you’ll have the freedom to focus on what really matters to you.

Get The Entrepreneur’s Guide to Financial Well-Being at and in the virtual bookstore on the Shock Your Potential app.