Credit & Financial Freedom

350→800+

I walked the road out. Let me show you.

I’m David Hahn. My credit score once bottomed out around 350 — and today it’s over 800. I learned how to understand credit, fix what’s wrong, and build real financial freedom, and now I coach others to do the same. Honest help, no judgment.

📞 Call (252) 626-6236 💬 Text me your questions

What We Work On

The tools that changed everything for me

Education and coaching to help you take back control — one honest step at a time.

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Understand Your Credit

What actually moves your score — utilization, account age, mix, and history — in plain English.

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Dispute Errors

How to read your reports from all three bureaus and challenge the mistakes that shouldn’t be there.

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Build & Rebuild

Credit-builder tools, secured & prepaid options, and healthy habits that add up over time.

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Budget & Plan

A simple, real budget — wants vs. needs — so your money finally has a job.

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Money Mindset

The books and principles that rebuilt me — cash flow, discipline, and thinking long-term.

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Real Mentorship

Someone in your corner who’s been at the bottom and climbed back. You’re not alone in this.

The Upside

What good credit actually unlocks

Used with discipline, good credit and the right cards don’t cost you — they pay you.

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Travel for (almost) free

Points and miles turn everyday spending into flights, hotels, even airport lounges. I’ve flown and eaten free on rewards I earned.

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Cash back that adds up

The right card in the right category — groceries, gas, online shopping — puts real money back in your pocket every month.

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Run your business smarter

Postage, supplies, and expenses on the right cards earn rewards and give you room to breathe — personal and business credit working together.

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Better rates & real options

Good credit means lower interest, easier approvals, and the power to say yes when opportunity knocks.

The one rule is discipline. Pay it off, never carry a balance you can’t clear, and let the rewards work for you. Like I say — only reach for a card when you don’t need one.

Choose Smart

Pick the right card for how you spend

The best card isn’t the flashiest — it’s the one that pays you back for what you already buy.

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Groceries

Look for a card with strong grocery cash back or points.

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Gas & commute

A gas/transit rewards card puts money back on every fill-up.

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Dining & travel

Travel points + no foreign fees — how I fly and eat on rewards.

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Online shopping

Store cards can pay big — think 5% back at the places you already shop.

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Business

Business cards reward postage, supplies, and ad spend — keep it separate from personal.

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Everyday flat

No time to optimize? A simple flat-rate card (like 2% on everything) just works.

Free tools like Credit Karma and NerdWallet compare today’s cards and match you to the best one — reward rates change, so check them live. Then: mind the annual fee vs. rewards, grab the sign-up bonus, keep your balance low, and pay in full.

Starting From Zero

No credit yet? Build it from scratch

Everyone starts somewhere. Here’s how you build a score out of nothing — the same tools I used.

Secured card

A small deposit becomes your limit — a real card that reports to all three bureaus.

Credit-builder loan

I used Self (self.inc): small monthly payments go into a locked savings account — basically a CD on yourself — and you get the money back at the end while your credit grows.

Authorized user

Get added to a trusted family member’s healthy account and share their good history.

Watch it grow

Track your progress free with Credit Karma, and keep every single payment on time.

Why I Do This

Because someone believed I could change

I lost almost everything — and by grace, got a second life. Part of that comeback was learning money from the ground up: budgeting, credit, discipline, faith. What took me years to figure out, I can help you shortcut.

My first card was a Discover with a $250 deposit and a $250 limit. I babied it, paid on time, and today that same card carries a five-figure limit — with points I actually use. I added a credit-builder loan to strengthen my revolving credit, and my then-wife and I co-signed a $5,000 loan from First Citizens to buy what became our first Koala Tea warehouse — then paid it off early, a little extra every month, learning the ropes. Today I run both personal and business credit, on purpose.

I first heard Dave Ramsey’s Financial Peace University on a little FM radio, walking the yard at JCI prison — almost every day. Discipline, patience, paperwork, and God-given help: that’s the whole secret, and I’ll share all of it.

“If my credit could come back from 350, yours can move too. That’s not a sales pitch — it’s my life.”

Read my full story →

What I Read

The books that rebuilt me

I didn’t learn this in a classroom — I learned it in books, in rehab, and in a prison yard, one page at a time. Start here:

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Rich Dad Poor Dad

Robert Kiyosaki — buy assets, not liabilities. It rewired how I see money.

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The Total Money Makeover

Dave Ramsey — kill debt with the snowball method. Discipline over feelings.

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The Psychology of Money

Morgan Housel — wealth is 90% behavior. Mindset beats math.

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The 10X Rule

Grant Cardone — set bigger targets and take massive action.

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I Will Teach You to Be Rich

Ramit Sethi — automate your money and spend on what you love, guilt-free.

“You own your money — or your money owns you.”— DAVID HAHN

How It Works

Simple, honest, no pressure

Reach out

Text or call — tell me where you are. The first conversation is free.

We look together

We go through your credit and your goals honestly, no shame.

A real plan

Clear steps you can actually take — education and coaching, at your pace.

You take back control

Small wins stack up. I’m in your corner the whole way.

Free First Conversation

Ready to flip the cup?

Wherever your credit is today, there’s a road forward. Let’s talk — no judgment, no pressure.

📞 Call (252) 626-6236 💬 Text David

Flip the Cup Financials provides financial education and coaching. We are not a law firm or a licensed financial advisor, and nothing here is legal, tax, or investment advice. We do not guarantee any specific credit score, result, or outcome — everyone’s situation is different and results vary. You always have the right to dispute items on your own credit report for free and to contact the credit bureaus directly. Some links on this site may be partner links — if you sign up through them, Flip the Cup may earn a commission at no extra cost to you. We only ever recommend tools we genuinely believe in.