About US

Steven Knox is a credit education writer who helps beginners make sense of debt, credit repair, and the emotional weight that comes with both.

This isn’t just a topic he studies—it’s one he’s lived.

Years ago, Steven hit what he calls his financial rock bottom. Seven credit cards. Three accounts in collections. A credit score so low it couldn’t rent a cardboard box. One afternoon, a cashier politely declined both his debit card and his backup card. That quiet moment of embarrassment became the turning point.

Instead of spiraling, Steven decided to learn how credit actually works—and how to fix it.

Over time, he paid off more than $40,000 in debt and began helping friends and family navigate the same confusing system. What started as personal recovery turned into a passion for teaching credit repair in a way that’s clear, human, and free of shame.

IOU Therapy was created for people who never got a personal finance class in school and learned everything the hard way.

The site focuses on:

• Breaking down credit repair in plain English

• Sharing realistic budgeting strategies that don’t feel like punishment

• Exploring the emotional side of money, because debt is stressful and pretending otherwise doesn’t help

The goal is simple: help readers feel understood, regain confidence, and take practical steps forward without feeling overwhelmed.

One of the most meaningful moments in Steven’s journey came when he helped a single mother raise her credit score from 510 to 702 in under a year. Watching her qualify for her first home was a powerful reminder that credit repair isn’t about numbers—it’s about access, stability, and dignity.

Moments like that are why IOU Therapy exists.

When he’s not researching credit reports or building spreadsheets, Steven enjoys binge-watching old sitcoms, taking long walks in the park, and sneaking spoonfuls of peanut butter straight from the jar. Those small rituals help keep life balanced and the work grounded.