Judith was 79 when she walked into one of our HOPE Inside locations, burdened by $34,000 in debt and juggling two mortgages. Despite having a steady income, the rising cost of living and credit card minimums made it nearly impossible to stay afloat, especially as she tried to support her unemployed son.

When her loan application was denied due to a low credit score, Judith was referred to the HOPE Credit and Money Management Program by a trusted bank partner. That’s when everything began to change.

Working alongside her dedicated HOPE Financial Wellbeing Coach, Judith completed our financial empowerment workshop, built a budget, and began the journey to improve her credit. When her score unexpectedly dropped to 597, they took a closer look and uncovered fraudulent activity on her report. Together, they filed disputes and stayed the course.

Today, Judith’s FICO score has soared to 702. She’s now back at the bank to apply for the loan she once thought was out of reach.

Her journey is a powerful reminder: it’s never too late to take control of your financial future.

If Judith can do it, so can you. Connect with a HOPE financial coach today and take your first step toward financial freedom. Visit www.operationhope.org to get started today!