you will learn


  • The difference between your Credit Score and Credit Report
  • How to read your Credit Report
  • What makes up your Credit Score
  • How to Improve your Credit Score
  • Clean up inaccuracies in your report
  • Reduce your debt load
  • Eliminate credit card debt
  • Differentiate between good and bad debt

about the author

Shermika is CEO/Founder of Rosewood Credit Services. Shermika’s background includes a Bachelor of Business Administration (BBA), Master of Business Administration (MBA), and an Educational Specialist (Ed.S) degree in educational leadership.

With nearly 20 years of experience as a public school educator, education is near and dear to Shermika. In fact, Rosewood Credit was founded on the premise of empowering, engaging and educating consumers on the importance of healthy credit. Rosewood Credit epitomizes her strong belief that financial literacy transforms lives! Education fosters elevation—plain and simple!


Shermika’s understanding of credit laws, interpretations of the credit bureaus and collection agencies alike has allowed her to successfully assist hundreds of consumers with realizing dreams and goals.

As the owner of Rosewood Credit Services, Shermika has a mission to increase financial literacy, credit education, and personal finance—especially among women. She is dubbed the “credit and financial go-to” advisor—giving expert advice that allows consumers to achieve healthier credit profiles which leverage building generational wealth.