FL 2-20 student with a 520 credit score… am I wasting my time?

Hi everyone,

I’m currently finishing my 200-hour course, and the goal is to open an agency/franchise (looking at Brightway) inside my husband’s existing dealership.

The problem is my credit is a mess. I’m sitting at a 520 right now with some unpaid collections and a recent 90-day late. My husband, on the other hand, has great credit and a solid business history.

I know I can get the license itself through the state, but I’m spiraling a bit thinking about the appointment process.

So my question is: If my husband is the one who officially opens the franchise and then appoints me as an agent under him, does that bypass the credit issues? Am I good to go once he signs off on me?

and yes we are in the process of settling my debts:)

I appreciate everyone’s help!!