The advancement in the education of consumers with regards to the credit industry and the national finance scene is greatly due to the passion of executive and credit specialist, Quincy Luzunaris. Owner and Founder of Kredit Koncepts Financial Service, which specializes in credit recovery services and credit score improvement, Quincy has developed innovative programs that provides clients with financial empowerment. Quincy took the credit industry, an often-misunderstood system that complicates consumers and alienates buyers and educated consumers to understand how to manage funds, restore credit and rebuild trust in the economy. Often deemed by many as the "advocate" and "influencer" in the financial community, Quincy began as an individual with a passion to see urban communities better navigate the financial industry and to ensure their advancement in their personal and financial goals. Some have described Quincy as a maverick, referring to one who is unorthodox or independent-minded. Quincy’s approach is fundamentally different. He is building a large, diverse network that inspires individuals to take control over their financial status and to become cognizant of the credit cycles and how they impact a consumer’s financial health. Quincy is insistent on presenting youth with positive images that are from the urban communities. Hailing from the inner city, he often explains his objectives that “In America, the financial industry is not as easily accessible as one might think. In fact, many times, urban communities are not exposed to financial education and end up with seemingly un-repairable credit histories before the age of 25. My vision is to see that change; educating communities at younger ages and taking the power of out the pocket and putting it in the pen”. Quincy grew up in a middle-class neighborhood in the New York City borough of Bronx. It was while he was enrolled school did he become aware of the finance industry and its plight in the young inner-city communities. He saw families living paycheck to paycheck, struggling to get by and continuing to make unwise decisions when it came to finance in the household. Some critics find the image of black males disturbing. "It is the look of urban America that makes one feel that there is no hope—that the future for black males is dim," noted Quincy Luzunaris