Chayo Briggs was born in Compton, California, and as a highly successful real estate investor for the last eighteen years, Briggs's inner drive for success was set in motion early on by his parents. He is the President of Briggs & Lay Pro Incorporated. Besides his multitude of real estate services, Briggs is an effective motivational speaker and published author. He has experienced various levels of human culture which elevated him to expert status and skill to help people overcome their credit issues. Your Credit Defines Your Creditability is designed as a pathway to understanding what contributes to an excellent credit rating. We know such issues are daunting, but you may need to borrow money from a lender. We need to understand and learn that the concept of good credit defines our creditability, so we must learn to delete toxic accounts such as collections, inquiries, charge-offs and public records. Therefore, having a good credit score will make the process easier. Your credit score determines two things that can affect your loan approval. First, lending money entails risk, and lenders need to know you are reliable. Second, your credit score determines the terms of your loan.Briggs understands the key to success comes through life experience; for that reason, he assists clients in procuring their prosperous future, breaking the chains of financial distress. The basic concepts of credit stability are simple, but most people see these topics as taboo, when in fact they are essential to becoming successful. In today’s society, having just an average credit rating may not be enough. Employers are beginning to check credit history to make sure an employee is a good fit. Think of your credit score as a resume, your life history. It paints a clear picture of what type of person you are in real life. I have over seventeen years’ experience in real estate entrepreneurism and life coaching. One of the first topics I discuss with a client is their credit rating because it will determine their next course of action. Something as simple as getting a place to live requires a credit history report. Many people may not have heard of credit utilization, so I decided to start with explaining the basics and then provide some tips.