When it comes to getting your finances in order, Tierra Jae should be your girl!

After the realization that there weren’t many people in the finance industry who not only looked like her but truly catered to the community, Tierra took matters into her own hands. From there, New Beginnings Community Consulting & Restoration (NBCCR) was born.

“This was a personal journey for me,” she said in an exclusive interview with AfroTech. “I started NBCCR back in 2015 when I found myself helping my family and friends restore their credit. I realized that I can create a business out of this because it’s something that we needed within the community. At the time, that we launched, my sole service was credit restoration.”

Along her journey, Tierra created a first-of-its-kind planner that focuses on an individual’s current credit status and goals.

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She says one of most common misconceptions that our people have when it comes to debt management is that credit cards are a bad thing.

“They run from them,” she said. “I get a lot of people who tell me, ‘Oh yeah, I’m working on my credit.’ Yet, when I ask how many credit cards they have, the response is ‘none.’ From there, I explain to them why it doesn’t work like that.”

Tierra continued: “I think that we were conditioned to think that cash is king but that’s not necessarily true.”

She says the most rewarding part has been creating the planner and seeing the number of people who are able to turn their finances around after they believed that all hope was lost.

“I get to help so many people restore their credit and live a better life while maintaining a better lifestyle,” Tierra said. “I really love the fact that I’m able to help so many people from all walks of life across the country.”

Today, NBCCR also offers bankruptcy assistance, criminal record expungement and free felon-friendly resources.