Most people don’t realize how powerful credit can be — until it’s too late. I figured that out early.

I was 20 years old, sitting in a college dorm, wondering if the traditional path was ever going to get me where I wanted to go. It didn’t take long for me to decide: college wasn’t for me. I dropped out after my first semester — not because I didn’t have ambition, but because I knew I wanted something different.

I tried everything. Dropshipping. Wholesale real estate. Sports betting. Selling sneakers. You name it. But everything I tried ran into the same wall: no money, no support, and no real roadmap.

That’s when I discovered the credit game.

I started learning how credit actually works — not the stuff they teach you in school, but the real strategies. I rebuilt my own credit from scratch, started getting approved for high-limit credit cards and business funding… and I used that capital to invest back into myself.

That’s how Rubo Credit Consultants was born.

I built this company to help people who were just like me — ambitious, motivated, but stuck. Whether it’s bad credit, loan denials, or just not knowing where to start, I wanted to create something that would give people a real path forward.

Now, I help clients get approved for $20K, $50K, even $100K+ in funding — even if they’ve been denied before.

My mission is simple: to educate and empower people to stop being denied and start getting funded.

Because once you understand how the system works, you can use it to your advantage.

And I’m here to help you do exactly that.