Membership has it’s privileges and you deserve it!  Join the Living On Top community at any of the four (4) membership levels that will help you to reach your credit goals.

However, the best value is the Financial Protection Plan for only $87 per month and you get all of these benefits and more!!


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Do you need more visibility for your business or product?  As a new member of the Living On Top Community, we will highlight your business for 30 days.


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Thank you for taking the first step to safely build, restore or maintain your credit.  In addition to the initial No Cost Assessment, please select the best coaching program to meet your credit goals.  We are excited to have this opportunity to assist in getting your 850 back!  Your credit score is the most important number in your financial life as well as the most influential one.  The higher your credit score, the more financial opportunities will be made available.  Our programs help you fix your personal credit and/or build your business credit to remove the financial barriers and allow you to have unlimited success.

All of our services include a discreet consultations as well as a personal and direct plan to help you achieve your credit goals.  Also, as an added bonus our programs are ALL upgradeable; therefore, you can get started at any level that best meets your needs and upgrade at any time.

Let me ask you, what goals are on your vision board?  A house, a car or even that dream job?  How much would it cost you to achieve your goal?  Would you spend $499 or even $50 for your house?  If so, then you are ready to continue and invest in yourself to make it happen.  Remember, credit can be fixed, but you must take the first step!

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Success is not a one person journey. Get the help you need with tips and informed insights from accomplished industry experts and access to Collaborative Financial Coaches





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21 Day Credit Challenge

Do you want to leave an inheritance for your family, but have no idea where to begin? Has your credit defined your destiny and you’re ready to take a step toward having a better life? Have you started the challenge, but have been saving the daily emails for the right time to get started? We know that 90% of the people who register for the challenge will not complete it. Will you be part of the 90% or the 10% who successfully complete the challenge and are REALLY closer to their 850. Don’t worry, we’re here to help.


The 21 Day Credit Challenge Coaching Program is designed to walk you step by step through the mystery of credit and the system that governs our financial risk evaluations. If you’ve ever wondered how the credit system works then guess no more.

This is the most comprehensive credit coaching program on the market today to help you reach your credit goals in the convenience of your home and at your own pace. We discuss topics like:

  • What is REALLY important about good credit to you?
  • What is credit and who are the credit bureaus?
  • How do you read a credit report and what do the codes mean?
  • How do late payments, collections, charge offs, bankruptcy and other negative items affect your credit?
  • How can you restore and maintain your credit?
  • How can you save over $100 in your monthly budget right now?

BUT WAIT IT JUST GOT BETTER!!  Did you know that your credit is affected by your ability to pay your bills?  How’s your bill paying now or in the past? If you’re not only challenged with your credit, but want to have the freedom and start building wealth, we’re bringing the best and brightest financial resources to assist you on your path to financial freedom.  Yes that’s right, in addition to getting your credit straight, you will have access to experts in the following areas:

Collaborative Coaches:

  • Real Estate – Gaining wealth in real estate
  • Mortgage Lending – Getting the money to gain wealth in real estate
  • Financial Planning – Winning at the money game
  • Insurance – Protecting your family while setting up generational wealth
  • Retirement Planning – Retirement and estate planning for generational wealth
  • Legal Services – Bankruptcy Attorney and Debt Solutions Attorney (debtor violations)

Access to ALL of these resources, PLUS the 21 Day Credit Challenge is available you will gain the knowledge to truly have financial freedom.

Don’t just take our word for it. Here’s one of our Success Stories from Lynnette P. Cosby:

“When I met first Chris I was depressed and afraid to face my financial future, yet I knew I had no other choice if I ever wanted anything different.  I truly understood the cliché’ – stuck between a rock and a hard place.  I watched and listened from afar for a while.  It seemed her encouraging words were slowly pulling me out of my depression and pouring in the hope and courage I needed to take action.  When I finally reached out to her for a personal consultation, my credit score was almost 500! I had tried everything I knew how to do and was hoping to be able to just ignore it and bide time until things changed.  I couldn’t even afford the reasonably priced services she was offering.

Then Chris offered a 21 Day Credit Challenge.  This I could do.  I followed her step-by-step instructions and continued to follow-up and follow through! Everyday as she sent the emails I felt I now had the information I needed to finally get some results.  I am still working on some stubborn issues today, but I have not had a late payment since 2012.  Many errors have been corrected (only 3 more to go), and my score has improved to well over 600!!

This past June I was able to walk into a car dealership and purchase a car without any fear and finance it with the best interest rate I’ve ever received! I rode off the lot that day with a brand new 2013 Chevy Malibu and this spring I plan to purchase another home. Meeting these goals would not have been possible without the knowledge and information I received from Chris.  While there are no quick fixes for the mess I had made of my finances, I now know how to handle and maintain my credit life wisely and make proper decisions based on sound judgment.

The integrity of her wise counsel has benefited my family and me tremendously.  I am truly grateful for her time and service.”

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Have you found yourself on the financial wheel that’s going nowhere?  Maybe you’re a single mom who can’t work a part time job, because all the money will go to childcare.  Maybe you’re credit is challenged, so you can’t get a better job to help pay your debts to improve your credit.  Or… maybe you’re just too overwhelmed and can’t figure what to do next.  If this sounds like you then the Wealth Building Resources is the perfect answer.

As a Platinum or Premium Community member you will have access to exclusive resources to help you gain wealth and maintain it.  These resources include a referral program to compensate you for what you do every day anyway, which is refer people to good businesses or individuals who are providing good services to the community.  The Wealth Building Resources also includes access to private job resources like job listings, resume writing and other services to help you find that perfect job and improve your skills.

Lastly, the Wealth Building Resources gives you access to discounts on health insurance to make sure you properly protect yourself and your family from unforeseen emergencies that causes most people to file bankruptcy.

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Living On Top with Chris Bridges on WLVS Listen Vision Live every Tuesday at 3:00 pm EST.  Chris and her guests will take you on a journey to achieve personal and business financial freedom to live your best life ever.  During the broadcast, join our Twitter chat at @creditwithchris and use#lotcb to get answers to your credit questions during theChat with Chris segment or to just check in.
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Continuing Education


Further your knowledge with member-exclusive discounts on continued education materials. Click here to see what’s available in our shop!






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Do you have a story to tell that can help others?  Maybe you have a question to ask that others may have the answers.  Living on top doesn’t happen overnight and it certainly doesn’t happen alone.  Our community is special, because we learn from each other and truly care about the success of others.  To this end, we have created a community forum where you can share and ask questions as you go through your journey to live your best life ever!

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financial tips


As a member of the Living On Top Community you will receive monthly financial literacy tips from our collaborative coaches.  These tips will encourage, empower and equip you to take immediate action to gain financial freedom!



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©2018 Conversations About Credit a Credit with Chris company.


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