Success After Prison With Michael Santos

  Establishing Credit: With a driver’s license, a job, and a paycheck, I had to begin building a banking relationship. After I received my first paycheck, I went to Bank of America and opened an account. Charles had told me that I could not apply for credit until after I completed my obligation to the Bureau of Prisons. So I opened a checking account and a savings account.   Just to check, I authorized the banker to run a credit report on me. We learned that I had a 0-0-0 credit score. He asked how a person of my age could proceed through life without accumulating a credit score—good or bad. The banker listened with interest as I told him that I’d just concluded 25 years in custody and that I was living in a halfway house. That conversation opened another opportunity for me to tell the story of my journey, another opportunity for me to influence a potential source of support.   Many people emerge from prison and try to hide their past. I don’t make a judgment on how much information an individual should revea