Our Story

My Credit Comeback: From Homeless to Helping Thousands A few years ago, I hit rock bottom. I found myself suddenly forced out of my home, with no job, no money, and no place to go. There was barely any notice—just enough time to grab what I could and try to figure out a way forward. I had no choice but to keep moving, because my family was counting on me. We relocated back to Pennsylvania and bounced between staying with friends and family members. It was one of the hardest times of my life. My credit was so damaged that I couldn’t rent a home or even get a car to help us get back on our feet. Out of desperation, I started calling every company I could to fix my credit. I paid them, waited, and hoped. But months went by—and nothing changed. After over a year of wasted time and money, I had had enough. That was my turning point. I made the decision to learn credit repair myself. I started researching, studying credit laws, and eventually took classes to become a Board-Certified Credit Repair and Score Specialist. What I learned changed everything. I applied everything I had learned to my own situation—and the results were life-changing. My credit score went from the 400s to the 700s. I'm now on my journey to the 800 club, and while I’m not there yet, I’m far from where I used to be. Today, I no longer drive a car with issues and a high interest rate. I drive a brand-new vehicle with affordable payments. More importantly, my family now has a home of our own. I’ll never forget the tears of joy we cried the day we got our keys. It took my back being against the wall for me to realize just how critical good credit is. I went from constant denial and disappointment to finally being approved—and proud to give my family the stability they deserved. Turning Pain Into Purpose As I shared parts of my journey on social media, people started reaching out—asking how I did it and how I could help them too. And because I care deeply about others, I began researching how I could pay it forward. That’s when I felt the calling to turn my experience into a business. I dug deeper into credit law and kept learning. Eventually, I launched my company: Hart Financial. Hart represents both my last name and my passion—you should love your credit score. 800 represents what we all strive for—a perfect score and a fresh start. Today, I'm honored to be recognized and respected in the credit industry. I work with clients all over the country, helping them hit their personal credit goals—whether that’s getting approved for a home, car, business funding, or just peace of mind. Your goals become my goals, and we work as a team to get you there. I also created a free Facebook group, “Credit With Danielle,” where I share credit tips, tools, and education—because knowledge truly is the key to long-term financial success. If You’re Ready to Change Your Story—You’re in the Right Place I’ve lived the pain. I’ve done the work. And now I’m here to help you do the same. Let’s rebuild your credit—and your confidence—together.