In this powerful episode, Marvin sits down with credit expert and entrepreneur Rasheda “Sheda” Mills to break down the truth about credit, consumer law, and the strategies everyday people can use to transform their financial lives. Sheeta opens up about her journey from hospitality and nightlife to becoming a leading voice in credit education—deleting over $1M in debt and helping thousands rebuild their profiles the right way. Together, they demystify topics like charge-offs, collections, secondary bureaus, credit sweeps, authorized users, and the difference between a score and a truly fundable profile. Whether you're repairing your credit, building from scratch, or preparing for major funding, this episode is packed with gems you can apply immediately.