There are moments when people check their credit, open a denial letter, or log into their bank
apps and feel their heart sink.
Denied again.
Another setback.
Another reminder of what feels out of reach.
Most people carry that pressure silently. They don’t know where to turn, what to do next, or whether change is even possible.
Thousands eventually find the same answer:
Bay Makhanian (@Bayscreditworks), the entrepreneur and credit specialist who turns financial burdens into financial breakthroughs.
Bay understands the embarrassment, the frustration, and the fear that come with damaged credit. She understands the pressure parents feel when they want a better life for their children but feel blocked at every turn.
She has lived that story.
And because of it, she became the expert who can pull others out of it, quickly, legally, and with compassion.
Today, Bay is trusted by over 5,000+ clients nationwide, known for helping individuals secure $30K–$250K+ in approvals, rebuild scores into the 700s & 800s, and completely transform their financial futures.
This isn’t just business for her, this is purpose.
THE CREDIT QUEEN WHO TURNED HER OWN STORY INTO A BLUEPRINT
Bay’s journey didn’t start with privilege or handouts.
She built her success from experience, resilience, and relentless faith, something that runs deep in her Armenian heritage. Strength, survival, and perseverance are woven into her bloodline, and she brings that same determination to every client she helps.
When Bay rebuilt her own credit and shot her score into the 800s in 90 days, she shocked everyone. She then secured over $200,000 in personal and business funding, step by step, using strategies that the average person never gets access to.
She didn’t guess.
She learned the system better than the people who created it.
She used that same blueprint to help thousands, deleting collections, charge-offs, repossessions, student loans, and correcting errors that were holding people back for years.
Her clients routinely get:
- Approvals of $15K–$50K credit cards
- Auto loans with low interest
- Home-buying opportunities
- Business lines of credit
- Full funding packages up to $250K+
One client shared:
“Bay didn’t just fix my credit, she changed my life. I went from being scared to even check my report to being approved for $47,500 in one week.”
Bay delivers results that speak for themselves.
WAY BETTER LIVING & THE FIT & FUNDED ACADEMY: WHERE CREDIT MEETS TRANSFORMATION
As the founder of Way Better Living, Inc. and The Fit & Funded Academy, Bay created more than a program — she created a movement.
A safe, educational, empowering space where people learn:
- how credit works
- how to remove negative reporting
- how to rebuild scores
- how to leverage credit to build wealth
- how to secure high-limit approvals and business funding
Her community has become a home for those who felt lost in the system and needed someone who genuinely cares.
Her digital products, webinars, mentorship, and hands-on credit repair service have helped families, entrepreneurs, single parents, students, and everyday people rebuild from scratch.
And the results are proven.
Just recently, a client’s student loans were deleted and her score shot straight into the 700s, landing:
- TransUnion: 768
- Experian: 780
- Equifax: 786
These stories happen every week.
A LEADER GROUNDED IN FAITH, PURPOSE & REAL RESULTS
Bay’s life reflects what happens when knowledge meets purpose.
Not only does she teach financial empowerment, she lives it.
Her own credit strength allowed her to purchase her brand-new 2026 Tesla Model Y Premium, a real-life example of how excellent credit can completely change the lifestyle you’re able to afford.
But behind the success is a woman who prays, a woman who survived challenges, a woman who never forgot where she came from and uses her pain as fuel to elevate others.
She doesn’t just repair credit.
She restores confidence.
She rebuilds identities.
She helps people step into the life that was always meant for them.
Her clients call her “The Credit Queen” for a reason, she consistently takes them from fear to freedom, from confusion to clarity, and from stuck to unstoppable.
START YOUR TRANSFORMATION TODAY
If you’re ready to repair your credit, unlock high-limit approvals, build business funding, or finally step into real financial freedom, Bay Makhanian is the guide you’ve been praying for.
Her results are undeniable.
Her knowledge is unmatched.
Her mission is changing lives.Connect with Bay on Instagram @Bayscreditworks and begin the journey that thousands before you have already taken, the journey toward better credit, better opportunities, and a Way Better Life.
Written in partnership with Tom White
