Hi, I’m T’Keisha, founder of Credit by T and a proud U.S. Virgin Islands native. Like many of the clients I serve today, I wasn’t taught how credit worked and made early financial decisions that led to maxed-out cards, collections, and repeated denials. Without guidance, the process felt overwhelming and confusing. Everything began to shift when I decided to educate myself and truly understand my credit report and financial responsibilities. Through learning, discipline, and consistency, I gained clarity and confidence around my finances — and that journey became the foundation for Credit by T. Today, my mission is to provide credit education, guidance, and ongoing support to help others better understand their credit, make informed decisions, and work toward long-term financial stability. I believe knowledge creates confidence, and everyone deserves access to clear, honest credit support.