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100 STARS Excellent education on credit and is priceless knowledge to grow on. Ryan has a straight forward no BS teaching style yet he is concerned about your personal wellbeing. He shares his knowledge of credit and life for free on TikTok Lives with a pay it forward mentality. He has a way of keeping everyone engaged and and on their toes. He refuses to allow anyone to feel shame no matter how bad they screwed up their credit. Today is new and learn so you don't repeat the bad habits