J&M EMPIRE LLC CONSULTING - Moline Lottie Jones: KTCS has not only helped me improve my credit score but has educated me on the topic in general! So many of us do not know what we don’t know. A credit score is only one piece of the puzzle! Learning to gain good credit, maintain it and maximize it is key! I am in such a better place in my road to gain financial freedom and it is because of the financial literacy I gained from KTCS! No matter where you are in the stages of Credit, I recommend KTCS to take you to the next level!