About us

At Credit and Conversation, we don’t just fix credit—we build knowledge, confidence, and community.

Credit and Conversation is a credit literacy and credit restoration service dedicated to empowering communities by fostering financial education, confidence, and long-term stability. Our mission is to help individuals and families understand the power of credit, take control of their financial futures, and break generational cycles of poor credit and limited access to financial tools.



Through personalized coaching, easy-to-understand education, and trustworthy credit restoration support, we provide the resources needed to build, repair, and sustain healthy credit habits. Whether you’re starting from scratch or working to rebuild, we believe that real transformation starts with real conversations—and we’re here to guide you every step of the way.

Keshia Carr is a credit coach and licensed real estate agent. She provides excellence in credit education and repair by applying the principles of integrity, diligence, experience, professionalism, and a commitment to unsurpassed customer care. She is committed to making it her business to always put the needs and interests of her clients first; She serves all her clients with respect and humility; She brings diverse talents and experiences to serving her clients; She is committed to educating and informing her clients on all aspects of their credit journey by being information leaders.

Her business success is built on a foundation of relationships, shared values, mutual trust, teamwork, and exceptional service. It is her hope and goal to exceed your credit expectations. That’s why she's dedicated to providing exceptional, personalized service for all of our clients. She takes great pride in the relationships she builds and always work relentlessly on the client’s behalf to help them achieve their credit goals.

Today’s consumers need a trusted resource that can guide them through the complex world of credit. Her extensive knowledge and commitment to providing only the best and most timely information to my clients, she is your go-to source for credit industry insight and advice. Keshia is a professional speaker for seminars, workshops, podcast on entrepreneurship, credit literacy, financial literacy, and empowerment events.

Her philosophy is simple: clients come first. She pledges to be in constant communication with our clients, keeping them fully informed throughout the entire credit literacy and repair process. She believes that if you’re not left with an amazing experience, she hasn't done her job. She doesn't measure her success through achievements or awards, but through the satisfaction of her clients. She is committed to helping to turn dreams to reality.
She is a professional speaker that is real and relatable. She prides herself on fostering empowerment, educating, and entertaining!
About Keshia Carr
"A credit card is a money tool, not a supplement to your income."
Suze Orman
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