Marlon Ibarra started using credit cards as a young college student with a newborn on the way. His relationship with credit has been tenuous, opening new lines of credit to accommodate his growing family and at one point navigating a scammy debt consolidation program. Once Marlon found MMI and began working with the debt relief counselors at Money Management International, he paid off $98,000 in just over four years, increasing his credit score 217 points along the way, and learned valuable lessons about understanding needs versus wants.
