Calvin Russell Jr. is the CEO of 850 Club Credit Consultation, the fastest growing credit education company in the midwest. Calvin and his team of certified credit specialist work with thousands of clients to increase their credit score, lower their car payments and ensure they qualify for the home of their dreams. We believe that Bad Credit Happens To Good People, too. There's no need to live a life of mediocrity due to a few uncertain decisions, instead lead a life always hearing APPROVED. Read a few of our previous client reviews, below.