Credit Building Specialist
Rachel T., CFP®
About Rachel T., CFP®
Rachel T. is a Certified Financial Planner (CFP®) with 9 years of experience helping consumers rebuild credit after financial setbacks. She specializes in credit rehabilitation strategies for people with no credit history, damaged credit, or bankruptcy recovery.
At TiltLoansUSA, Rachel focuses specifically on how fintech tools like the Tilt credit card can be used strategically to build credit from scratch. Her guide on building credit from 0 to 700 FICO is based on the actual patterns she has documented across hundreds of clients.
Rachel works particularly with gig economy workers and young adults who lack traditional credit history — populations for whom income-based fintech products like Tilt represent a genuine path to credit access.
Credentials & Background
- Certified Financial Planner (CFP®)
- 9 years credit counseling
- Credit rehabilitation specialist
- All content independently reviewed — no paid placements
- Part of the TiltLoansUSA editorial team
🔍 Testing Methodology
Every product Rachel covers is tested through a real application using a real bank account. Advance limits, delivery times, and fee structures are verified directly — not taken from lender marketing materials. Findings are updated when product terms change.