LeRachia, widely known as Coach Credit Bae, didn’t just study credit—she lived it. Introduced to credit at an early age by her mother, she had the potential for financial success but lacked the knowledge to manage it effectively. This inexperience led to mistakes and a harsh wake-up call when she attempted to buy a car, only to be told she needed a cosigner.

Determined to rewrite her financial story, LeRachia immersed herself in learning about credit repair, funding, and financial strategy. After successfully repairing her own credit, she began helping friends and family do the same. What started as a personal mission quickly grew into Royalty FF & Associates. For over a decade, LeRachia has empowered individuals and families to achieve homeownership, build strong credit, and gain financial freedom.

Her journey didn’t stop there. As a business loan broker, she expanded her mission to support entrepreneurs in securing funding and scaling their businesses the right way. Today, through Royalty FF & Associates, LeRachia offers credit repair, business funding, and strategic wealth-building solutions—helping her clients create not just financial success, but enduring legacies.