I almost did not go to college because I didn't have access to credit.

I bought like some $200 true religion jeans.

Bro, it took me like three years to ever pay at all, bro, it seemed like it would never go down

because I realized I was only paying the minimum payment

that's only really covering the interest.

Yeah you know what you're talking about is life events right everyone has this

moment in their journey where they're learning that credit's important and they mess up their credit and now they're going from I can't even get a credit card

to I'm getting credit card offers in the mail non-stop.

It has to work or has to work.

Welcome to Circle Greatness.

I'm your host, Niamai Davis, and today we got a super special episode.

Man, I'm bringing you somebody who's literally trying to disrupt the credit

industry in a good way, meaning showing people how to get credit

the right way from young ages. My guy, Michael Braun, CEO of Ultra. What's up, bro?

Hey, I'm excited to be here, man, thank you so much for what you doing. You're, it's so funny I was talking yesterday with somebody. I'm like, normally in the black and brown communities, we learn about credit after we mess it up.

You know what I'm saying?

You're basically figuring out how to stop that by helping young people figure out credit

earlier, helping adults figure it out, why did you decide to take on such a huge feat?

Yeah, you know, what you're talking about is life events, right?

Everyone has this moment in their journey where they're learning that credit's important,

whether they're hitting a wall or trying to get somewhere and they mess up their credit,

and then they learn to repair it.

...