knox (34:26.994)
And to be a member of the credit union you just have a five dollar share which basically gets you a membership and you're a member for life. And that is pretty much true of the credit union movement. So I originally I actually came up from the Keys and I was at a credit union down in the Keys and I'm still a member of that credit union even though I have moved away.
knox (34:50.464)
So once a member always remember so it's five dollars to become a member and then you have Save get loans so we get along so you can come get along with the bad credit Well, it depends how bad that credit is But if you do have bad credit, then that's when you come over to me and we help you fix it And we work on plans to improve your credit and get you to understand also how the system works Because a lot of people have bad credit because they again they've just made some simple mistakes
knox (35:20.37)
A lot of time it's not people not paying the bills that's causing credit, it's people that have struggled and they've just, you maybe they borrowed a little unwisely or they made some mistakes in their early 20s that are still haunting them a few years later. So there's always a way forward. You know, it's not necessarily going to be solved in five minutes, but there's always a way forward that you can find, as in life. Would you find that you have a lot of African Americans that are rather shame or
knox (35:50.226)
don't come out publicly to get help. I think that's true of every, every demographic. You think so? Every demographic. Maybe more so in certain demographics. Right. But it is something, in fact, before I came in here we were talking about it and one of my main goals in what I do is to actually get people to start talking about money.
