Number 387 July 31, 2026 St. Louis

From a 498 Credit Score to a Brighter Future

Michael Henry’s Journey with Justine PETERSEN

Pictured (from left to right) is Heather Sullivan of KMOV Channel 4 News. Michael Henry, and LaTrisha Gandy

When KMOV Channel 4 News in St. Louis sat down with LaTrisha Gandy of Justine PETERSEN and client Michael Henry, viewers didn’t just hear about a loan program. They heard a story of hope, determination, and what can happen when someone is given the right tools to succeed.

Michael shared with us what Justine PETERSEN meant to him.

“Justine PETERSEN provided me with the tools to not only improve my credit score but also to save a significant amount of money. If it weren’t for JP, I would still be overpaying just to drive my car. Now, I’m able to plan for my future and secure the business loan I need to start my own venture.”

Michael’s journey with Justine PETERSEN began in 2022 when he became one of the very first clients to participate in the newly launched DRIVE Loan Program. Like many hardworking people, Michael simply needed an opportunity. He wanted reliable transportation, but he also wanted a chance to improve his financial future.

When he first came to Justine PETERSEN, Michael’s credit score was 498. By the time he qualified for his DRIVE loan, he had already raised it to 515. Through affordable financing, financial coaching, and his own commitment to making consistent, on-time payments, Michael continued building toward a stronger future.

Today, Michael’s credit score has climbed to 645.

The increase represents more than a number: it reflects greater financial confidence, lower borrowing costs, and new opportunities. No longer burdened by high-interest payments, Michael is saving each month, planning, and preparing to secure a business loan to turn his entrepreneurial dream into reality.

Michael’s story is exactly why the DRIVE Loan Program exists. At Justine PETERSEN, we believe everyone deserves access to fair, affordable lending and the guidance needed to build lasting financial stability.

LaTrisha Gandy, a veteran loan counselor with Justine PETERSEN, has been with Mr. Henry since he came to JP. She said, “By combining responsible lending with personalized financial support, we’re helping clients do more than improve their credit scores; we’re helping them build brighter futures.”

Michael Henry Interviews with Heather Sullivan of KMOV Channel 4 News

Michael’s success reminds us that sometimes all someone needs is a chance, the right support, and a partner who believes in their potential.

If you’re ready to improve your credit, lower your borrowing costs, or prepare for your next financial goal, Justine PETERSEN is here to help you take that first step.

Are You Looking for a Loan with Better Terms?

DO YOU HAVE A HIGH-INTEREST AUTO LOAN?

Are you looking to SAVE on interest and reduce your monthly payments?

If you have made consecutive payments for the last 6 months, you may qualify!

Eligibility Criteria:

Current Auto Loan Amount: $20,000 or less

Current Interest Rate: 15% or higher

Learn more

Upcoming Events

Join us for an informative session with Marlene Elliott, who has 7 years of experience supporting entrepreneurs through the Community Economic Development (C.E.D.) Microenterprise Program at LSEM. Since 2022, she has been leading the program with the mission of educating and empowering small business owners on legal matters related to their businesses.

Whether you are just starting or looking to refine your business structure, this session is perfect for you!

Location: Zoom

When: August 6th, 2026

Eventbrite Link

Urban League Expo

The Urban League will be hosting an expo in August. On the 8th, there is a Back-to-School Drive-Thru Edition, as well as many other activities for everyone. Scan the QR code or go to Urban League St. Louis.

SSBCI Ignite MO: More Than a Loan

When you work with Justine PETERSEN, you’re gaining a partner invested in your long-term success. Our experienced team provides personalized guidance to help you build a stronger financial future while growing your business.

Every Great Business Starts with Someone Who Believed in It.

Let us help you take the next step.

Get Started Today!