Turned away from vehicles. Denied for housing. Excluded from opportunities other people took for granted. For most of her adult life, founder Ebony Arceneaux struggled with poor credit — so damaged that when she and her husband launched their own business, it couldn't even be part of the equation. Everything had to be built under his name alone.
Then came a bankruptcy, and a move from Georgia to New Orleans with nine months spent rebuilding from family's spare room. Ebony went back to teaching to survive — but by year two, she knew she wasn't done building something bigger.
That moment made something click: credit isn't just a score, it's a tool — and when you know how to use it, it can change your life.
That's the mission of TLC Financial Services — not to simply clean up a credit report, but to give clients the knowledge, strategy, and confidence to build the life they actually want. Ebony knows what it feels like to be on the outside looking in, and exactly what it feels like when that finally changes.
To empower everyday individuals to take control of their credit, build financial confidence, and create lasting legacies through education-first financial services.
To become a nationally recognized financial empowerment brand offering credit education, life insurance, and tax services — led by a team of mission-driven professionals laying foundations for generations.