

Didn't know April is Financial Literacy Month? Well, now you do. And what better excuse to get your finances in check or figure out how you'll add to your already lit bank accounts? Let's get into some knowledge about credit. It's an issue we all face as we look for ways to reach financial freedom and the best road to where the money resides. Sadly, the stats reflect harsh realities for many of us. Fifty-four percent of Black adults report having no credit or a poor to fair credit score (below 640).
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Carmen Perez, Varo Bank's personal finance advocate and creator of MakeRealCents.com, a financial fitness platform, shares the good, bad and ugly on credit. Perez, an award-winning professional who's worked for Citi and Morgan Stanley, successfully paid off $57,000 of her own debt in less than three years.
"My finances were a hot mess up until I was able to commit to a plan," she shares. After facing a lawsuit from a private lender, she had to use her last bits of savings to hire a lawyer. She readjusted her budget, completely cut out luxuries like eating out and investing in cable, and reinvested her time into a photography side hustle to bring in more cash. She also kept a close eye on her finances and savings via the cash envelop system, and by the end of 2018, she was debt-free.
It's always good to know where you are before creating a plan to get to where you want to be. So, let's get into some credit 101:
Your Credit Score: The Basics
A credit score, also referred to as your FICO score, is a number that lets lenders know how much of a risk it would be to lend you money. The score ranges from 300 (the lowest) to 850 (the highest). "It is a benchmark that lenders use to gauge how likely a person is to pay back what they owe based on past data. The more you pay things back and on time, the better your credit can be, which can help you borrow money at a lower rate for things you may need," Perez says.
There are three major credit reporting bureaus, TransUnion, Equifax and Experian, and each uses different reporting methods, thus you could have up to three different scores.
"The misconception is that we have one credit score, which is inaccurate. We have multiple, and it depends on what we're applying or aiming for," Perez says. "Your bank, for example, could be showing you a FICO score that might be conducive to opening a credit card, but your score might be different when applying for financing for something else."
Also, various things can impact your credit score, from late bill payments or rental debts to outstanding medical bills and tax liens. On the positive side, a long history of maintaining accounts in good standing, or taking on debt that you're able to manage and pay back consistently over time, are all actions that can contribute to a great credit score.
You can access your credit scores for free via AnnualCreditReport.com, and each report will have specifics on the types of accounts you have on record (such as credit card, mortgage, and student or car loans), the date those accounts were opened, information on your credit limits or loan amounts, as well as details about your payment history. Credit reports also have history on where you've lived and sometimes where you've worked. You'll want to make sure all information is up to date and accurate, especially since some information could be from fraudulent activity, a reporting misake, or an old debt of more than several years that should have dropped off.
For more information on your credit reports, look into resources offered by the credit bureaus, including apps that offer weekly updates on your credit score, credit report information, and credit products available to you. Other easy-to-use and super-helpful websites on understanding your reports are CreditKarma.com and USA.gov.
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Your Credit Score: The Good
The benefits of having a "good" credit score, which is one that falls generally at a 700 or above, is access to more housing options, more confidence when applying for a loan, and lower interest rates when you get approved. "Good credit allows you to secure better housing and, in some cases, will enable you to bypass having to put a deposit down if you rent," Perez adds. "If you plan on owning, good credit can help you secure a mortgage with better financing terms for you in the long-term. The lower your interest rate, the less you'll pay in interest over time."
"You'll feel less worried about getting denied, which can help you focus more on the things that matter, like negotiating a good interest rate."
But what about if you have no credit at all (i.e. no active accounts being reported to the credit bureaus or your credit history is so limited that there's no score)? Perez recommends getting a secured credit card, one that requires a deposit but offers other great benefits for people who haven't built credit.
"Get one at bank or financial institution that you're looking to have a long-term relationship with---one that offers access to other products. You might put up $500, for example, to open the account, and it will give you access to other products later that you might find beneficial such as home and auto loans."
She also urges women to put some serious thought and research into making decisions about what cards might be best for them. Looking to resources like Nerd Wallet or reading up on your current bank's credit card options (along with the fine print) are your best bet. Be sure to get details on annual fees, card closure policies, and payment protocols.
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Your Credit: The Bad
In some cases, with a credit score that is below 640, a lender sees you as a higher risk for default or nonpayment of a loan. "If you haven't been good at paying back the money you've already borrowed, lenders will be more hesitant to lend you money," Perez says. "Since they are lending you the money, your loan terms, whether it be a mortgage, car loan, or credit card, will be more favorable for the lender than they will be for you. And since the lender is taking on all the risk, their reward is being able to charge you with a higher interest rate. Interest over time can add up and take away money that could be going toward your future self, like investing for retirement."
Though cash is king, when it comes to buying a home or even renting an apartment, you may need a cosigner to vouch for a loan. "Getting someone else to cosign on anything can be pretty tricky, especially when you already have bad credit," she continues. "You may also be subject to paying high deposits, which can deplete you of cash that could be going toward things like your savings or retirement."
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Your Credit Score: The Ugly
In Perez's case, she was sued for an outstanding debt, and this is a common practice for some lenders as well as medical service providers and property management companies. Accounts that have reached collections stages and wage garnishments can not only deplete your pockets, but they can indeed negatively impact your credit score. A bad credit score can even affect your employment opportunities. "Sometimes employers will run a credit check on you before giving you the job," she says. "If your credit isn't in a good place, they may not extend the offer."
But you can take bad credit and turn your situation around. Perez recommends looking at all your credit reports and disputing anything that might be out of date or inaccurate. Then address the open accounts with balances that are past due. "Get on the phone with your lender. Explain your situation. See if they have a hardship program, and get the information on what that actually looks like. Get those details up front first, and then go from there." Perez also suggests freezing your credit card and pausing on use versus closing them, something that could negatively impact your credit. If possible, remain in communication with companies or lenders you owe to negotiate a plan for resolving your debt. "If you get the no the first time, continue to call to see if you can get yourself on a payment plan. That's better than [the lender] hitting up your credit because you're not making payments."
There are also credit-card debt relief options offered with the understanding that many are facing pandemic-related hardships, and community resources to get help in building budgets or exploring other debt-relief options.
Perez is also a big advocate of finding a way to earn more income via a side hustle and paying down at a pace that takes into account your current lifestyle and necessities. "Make sure you're prioritizing your bills. If you're in a hole and trying to make it out, it's time to put a budget in place and figure out where your money is going."
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Claudia Jordan, Demetria McKinney & Jill Marie Jones On 'Games Women Play' & Dating Over 40
What do you get when you mix unfiltered truths, high-stakes romance, and a few well-timed one-liners? You get Games Women Play—the sizzling new stage play by Je’Caryous Johnson that’s part relationship rollercoaster, part grown-woman group chat.
With a powerhouse cast that includes Claudia Jordan, Demetria McKinney, Jill Marie Jones, Carl Payne, Chico Bean, and Brian J. White, the play dives headfirst into the messy, hilarious, and heart-wrenching games people play for love, power, and peace of mind. And the women leading this story? They’re bringing their whole selves to the stage—and leaving nothing behind.
From Script to Spotlight
The road to Games Women Play started over 20 years ago—literally.
“This script was written 20 years ago,” Jill Marie Jones said with a smile. “It was originally called Men, Money & Gold Diggers, and I was in the film version. So when Je’Caryous called me to bring it to the stage, I was like, ‘Let’s go.’” Now reimagined for 2025, the play is updated with sharp dialogue and modern relationship dynamics that feel all too real.
Demetria McKinney, no stranger to Je’Caryous Johnson’s productions, jumped at the opportunity to join the cast once again. “This is my third time working with him,” she shared. “It was an opportunity to stretch. I’d never been directed by Carl Payne before, and the chance to work with talent I admire—Jill, Claudia, Chico—it was a no-brainer.”
Claudia Jordan joked that she originally saw the role as just another check. “I didn’t take it that seriously at first,” she admitted. “But this is my first full-on tour—and now I’ve got a whole new respect for how hard people work in theater. This ain’t easy.”
Modern Love, Stage Left
The play doesn’t hold back when it comes to the messier parts of love. One jaw-dropping moment comes when a live podcast proposal flips into a prenup bombshell—leaving the audience (and the characters) gasping.
Demetria broke it down with honesty. “People don’t ask the real questions when they date. Like, ‘Do you want kids? How do you feel about money?’ These convos aren’t happening, and then everyone’s confused. That moment in the play—it’s real. That happens all the time.”
Jill chimed in, noting how the play speaks to emotional disconnect. “We’re giving each other different tokens of love. Men might offer security and money. Women, we’re giving our hearts. But there’s a disconnect—and that’s where things fall apart.”
And then Claudia, of course, took it all the way there. “These men don’t even want to sign our prenups now!” she laughed. “They want to live the soft life, too. Wearing units, gloss, getting their brows done. We can’t have nothing! Y’all want to be like us? Then get a damn period and go through menopause.”
Dating Over 40: “You Better Come Correct”
When the conversation turned to real-life relationships, all three women lit up. Their experiences dating in their 40s and 50s have given them both clarity—and zero tolerance for games.
“I feel sexier than I’ve ever felt,” said Jill, who proudly turned 50 in January. “I say what I want. I mean what I say. I’m inside my woman, and I’m not apologizing for it.”
Demetria added that dating now comes with deeper self-awareness. “Anybody in my life is there because I want them there. I’ve worked hard to need nobody. But I’m open to love—as long as you keep doing what got me there in the first place.”
For Claudia, the bar is high—and the peace is priceless. “I’ve worked hard for my peace,” she said. “I’m not dating for food. I’m dating because I want to spend time with you. And honestly, if being with you isn’t better than being alone with my candles and fountains and cats? Then no thanks.”
Channeling Strength & Icon Status
Each actress brings something different to the play—but all of them deliver.
“I actually wish I could be messier on stage,” Claudia joked. “But I think about my grandmother—she was born in 1929, couldn’t even vote or buy a house without a man, and didn’t give a damn. She was fearless. That’s where my strength comes from.”
For Jill, the comparisons to her iconic Girlfriends character Toni Childs aren’t far off—but this role gave her a chance to dig deeper. “If you really understood Toni, you’d see how layered she was. And Paisley is the same—misunderstood, but strong. There’s more to her than people see at first glance.”
Demetria, who juggles singing and acting seamlessly, shared that live theater pushes her in a new way. “Every moment on stage counts. You can’t redo anything. It’s a different kind of love and discipline. You have to give the performance away—live, in the moment—and trust that it lands.”
Laughter, Lessons & Black Girl Gems
The show has plenty of laugh-out-loud moments—and the cast isn’t shy about who steals scenes.
“Chico Bean gets a lot of gasps and laughs,” Claudia said. “And Naomi Booker? Every scene she’s in—she’s hilarious.”
But the play isn’t just about humor. It leaves space for reflection—especially for Black women.
“I hope we get back to the foundation of love and communication,” said Demetria. “A lot of us are in protector mode. But that’s turned into survival mode. We’ve lost softness. We’ve lost connection.”
Claudia agreed. “We’re doing it all—but it’s not because we want to be strong all the time. It’s because we have to be. And I just want women to know: You can have peace, you can be soft. But stop bringing your old pain into new love. Don’t let past heartbreak build walls so high that the right person can’t climb over.”
Final Act: Pack the House
If there’s one thing this cast agrees on, it’s that this play isn’t just entertainment—it’s necessary.
“Atlanta is the Black entertainment hub,” Claudia said. “We need y’all to show up for this play. Support the arts. Support each other. Because when we pack the house, we make space for more stories like this.”
Games Women Play is more than a play—it’s a mirror. You’ll see yourself, your friends, your exes, and maybe even your next chapter. So get ready to laugh, reflect, and maybe even heal—because the games are on.
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Patricia "Ms. Pat" Williams has always marched to the beat of her own brutally honest drum — and that’s exactly what makes her so magnetic to watch. Whether she’s making us laugh until we cry on The Ms. Pat Show or now laying down the law on her courtroom series Ms. Pat Settles It, the comedian-turned-judge proves time and again that there’s nobody quite like her. Unfiltered, hilarious, and real to the core, she’s made a name for herself by turning her life’s journey — including the pain — into purpose.
Now in her second season of Ms. Pat Settles It, airing on BET and BET+, she’s not only delivering verdicts — she’s dishing out life lessons in between the laughs. The show feels less like your typical courtroom drama and more like your outspoken auntie running a court session at the family cookout, complete with celebrity jurors, petty disputes, and a whole lot of real talk. xoNecole sat down with Ms. Pat to talk about her wildest cases, balancing motherhood and fame, and why sleeping in separate bedrooms might just be the key to joy.
CASE CLOSED, BUT MAKE IT CHAOS
If you’ve ever tuned in to Ms. Pat Settles It, you already know the episode titles alone deserve awards. But when we asked Ms. Pat which case stood out most, she didn’t even have to think twice. “There was this one woman — Shay — who got out of federal prison and was working for her old bunkmate. But the bunkmate didn’t want to pay her!” she says, chuckling. “That girl came in the courtroom like a firecracker.”
It’s moments like those that remind viewers Ms. Pat isn’t just bringing the laughs — she’s giving people a platform, even if it’s a little messy. And if her court ever gets turned into a real-life franchise, we need Shay on the promo posters immediately.
WHEN THE CELEBS SHOW OUT
It’s already hard enough to get a word in with Ms. Pat running the show, but throw in a celebrity jury featuring Tamar Braxton, Ray J, TS Madison, and Karlous Miller? Whew. “I don’t even try to control them,” she laughs. “Thank God we have something called editing.” According to her, behind the scenes, things get wild — but that chaos is part of the magic. “People only see the cut-down version. What you don’t see is all of us losing it in real time.”
Still, Ms. Pat makes it work. The courtroom becomes a stage, but also a safe space for guests and jurors to show up as their full, unfiltered selves. “It was a wild season,” she explains. Let’s be honest — if your jury looks like a BET Awards afterparty, you might as well let it rock.
IF FAMILY COURT WAS REALLY A THING
Ms. Pat might wear the robe on screen, but at home, she’s still managing her own wild bunch. When asked what kind of case her kids would bring into her courtroom, she burst into laughter. “Oh, they’d be suing my oldest son for eating their food,” she says. “You know how you have that one roommate that eats up everybody’s food? I can see my oldest son getting sued for that..”
And let’s face it, we’ve all either been that sibling or have one. Ms. Pat says moments like that — the everyday family squabbles and real-life irritations — are what make her courtroom show so relatable.
THE VERDICT SHE WISHES SHE COULD REWRITE
Ms. Pat is known for keeping it real, even when the conversation turns serious. When asked if there was one “verdict” in her real life she’d change, she pauses for a second before answering. “I wish I had graduated high school,” she admits. “All my kids went to prom and I took all of their high school diplomas.”
“I wish I had graduated high school,” she admits. “All my kids went to prom and I took all of their high school diplomas.”
It’s a rite of passage in most Black households — your diploma doesn’t really belong to you, it lives at your mama or grandma’s house like a family heirloom.
HOW SHE STAYS GROUNDED
Between filming TV shows, headlining comedy tours, and running a household, Ms. Pat makes it very clear: she will find time to rest. “People swear I don’t sleep, but I do — I just knock out early and wake up early,” she shares. “And sometimes, I’ll just sit in my car.” She’s also a big fan of solo naps and mini getaways when things get overwhelming.
But one of her favorite forms of self-care? Separate bedrooms. “Me and my husband don’t sleep in the same room. That way, when I don’t feel like being bothered, I go to my space,” she laughs. She’s also found a new love for facials. “They’re addicting! I don’t need a lot — just sleep, a facial, and a little quiet.” Honestly? That’s a self-care routine we can get behind.
FROM PAIN TO PURPOSE
Ms. Pat’s story is one that’s deeply rooted in resilience — and she’s always been transparent about how her journey shaped her. Her advice to other Black women trying to turn their pain into purpose? Speak up. “You have to tell your story,” she says. “Because once you tell your story, you realize you’re not the only person that’s been through that situation.”
She adds that sharing your truth can be one of the most powerful things you do. “When you give a voice to pain so many other people who have that pain gravitate to you,” she says. “To heal, you have to speak out loud about it. What you keep inside is what eats you up.” Coming from someone who built an entire brand on truth-telling? We believe her.
WHAT’S NEXT FOR MS. PAT?
While Ms. Pat’s got her hands full with Ms. Pat Settles It and her comedy show, she hints there’s much more to come. “I got some stuff poppin’ that I can’t even talk about yet,” she teases. “But just know, like Kendrick [Lamar] said, we about to step out and show ‘em something.” That multi-genre deal with BET and Paramount is clearly working in her favor — and she’s not slowing down anytime soon.
She says one of her proudest moments in this chapter of her career is seeing things she once dreamed of finally come to life. “In this business, you never know what’s gonna work or what’s gonna stick. But now I’m working with a network that really understands me — and that’s special,” she says. “I feel seen. And I’m just getting started.”
Whether she’s in the courtroom cracking jokes or catching up on rest in her own sanctuary, Ms. Pat is living proof that success doesn’t have to come at the cost of authenticity. She’s rewriting the rules in real time — on her terms, in her voice, and for her people. As she continues to turn pain into purpose, laughter into legacy, and everyday mess into must-see TV, one thing’s clear: Ms. Pat is in her prime. And we’re lucky enough to watch it unfold.
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