About Jeanne Kelly

From starting over to helping others move forward

I married at 21 and had my daughter, Cassandra, at 25. Later, when my husband and I separated, I went from living in a new home to a small cottage on my parents' farm.

I was a single mother working as a waitress, trying to create stability for our future. When I tried to buy a home, I discovered how much my credit affected my options.

Most of us are never taught how credit works, how to read our reports, or how everyday decisions can affect our financial options. I was learning all of this while trying to rebuild my own life. Being turned down was discouraging, but it also pushed me to learn.

I began researching, asking questions, and taking steps to rebuild my credit. As my credit grew stronger, I realized there was another part of my financial life I needed to understand: the money coming in and the money going out.

Working in a restaurant meant my income could vary. I needed a clearer picture of what I earned, what I owed, and what I could put toward the life I wanted to build.

Credit and money management became connected for me. Understanding both helped me make decisions with more intention and feel more confident about what came next.

That experience still shapes how I teach today.

More than 25 years of experience—with a personal reason behind it

What I learned while rebuilding my own financial life became the work I wanted to share with others.

Since then, I've spent more than 25 years helping people understand their credit, navigate challenges, and build healthy habits before they need financing.

As an author and speaker, I've brought practical credit education to audiences across the country. My expertise has been featured on The TODAY Show, CNN, The Breakfast Club, iHeartRadio, and in The New York Times, Business Insider, Huffington Post, and more.

I'm proud to contribute to national conversations about credit and financial wellness. I'm equally proud of the moments when someone finally understands their report, feels comfortable asking a question, or takes a step they had been putting off.

Healthy credit belongs in your financial life

I believe credit is more than a score. It's a financial asset that can create choices, save money, and open doors.

My approach starts with understanding what's being reported about you and learning how your decisions affect your credit. From there, we connect those habits to your money, your goals, and your everyday life.

Whether you're preparing for a home, managing changing income, planning a major purchase, or simply getting organized, you deserve to understand your options before an urgent need comes up.

You also deserve to learn without shame. Wherever you're starting, there is value in getting clear and choosing your next step.

Why I created Credit Boss Lady

I created Credit Boss Lady to make that support more accessible—and easier to bring into everyday life.

The platform brings together credit education, budgeting tools, classes, and community to help you understand both your credit and your money.

That means getting a clearer view of what's coming in, where it's going, and how your habits support the goals that matter to you. It also means having education and guidance you can return to as your life changes.