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All Event Participants Receive


  • Free access to your FICO® Score, the score used in over 90% of all lending decisions.
  • Insight into the two most influential score factors* with easy-to-understand, transparent explanations to help you understand your FICO® Score.
  • Free access to one-on-one credit and financial counseling provided and customized plans to help you meet your targeted financial goals.
  • The opportunity to develop an ongoing relationship with a non-profit financial counselor who can help you stay on your financial management plan.

Operation HOPE is a for-purpose organization working to disrupt poverty and empower inclusion for low and moderate-income youth and adults. Operation Hope is focused on financial dignity and inclusion. They equip young people and adults with the financial tools and education to secure a better future—coaching them through their personal aspirations and life’s challenges, and facilitating their journey to financial independence. Operation HOPE’s signature adult program, 700 Credit Score Communities, empower clients to take control of their finances, and in turn, transform their lives. Through workshops and one-on-one counseling, our financial counselors help clients create a budget, reduce and pay off debt, and clear errors from their credit reports. Seventy-two percent of clients see a FICO® Score increase; 25 percent achieve a 700+ FICO® Score after six months of participation.

Primary Counselors


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Lovetta Tobey

Lovetta Tobey is an experienced credit and HUD certified housing counselor, with Operation HOPE. She has a Bachelor of Science (B.S.) in Finance and is a Certified Financial Planner candidate. Her aspirations are to eradicate poverty and assist families with building generational wealth. 

Email: lovetta.tobey@operationhope.orgYoubookme link: https://lovettatobey.youcanbook.me/




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Isaiah Price

Isaiah is a native Philadelphian and Temple University alumni.  He has been in the financial industry, helping 100’s of individuals and businesses reach their financial goals, for the last 15 years.   After working for several financial institutions, Mr. Price joined Operation HOPE this year as a HOPE Financial Coach & Small Business Development Coach.  He joined Operation HOPE because the mission and values are in line with his.  With his years and experience in the industry, he is always looking forward to helping more people reach their financial goals. It’s not just a passion for him, it’s a lifestyle. 

Email: isaiah.s.price@operationhope.org
Youbookme link:  https://isaiahprice.youcanbook.me

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Austin Hall

Austin Hall is a Financial Wellbeing Coach for Operation HOPE, a certified credit and budget counselor from the National Foundation for Credit Counseling (NFCC) and has worked in human services for over 10 years at the Philadelphia Workforce Development Corporation and Clarifi Financial Literacy. Hall has an Economics degree from Temple University and received my MBA in Management from La Salle University in addition to several professional certifications in Human Resources, Financial Management, Human Services and Client-Centered Counseling. 

Email: austin.hall@operationhope.org
Youbookme link: https://austin-hall.youcanbook.me



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Debra Douglas

Debra Douglas is a Certified Credit Counselor and has worked in the banking industry for the past 15 plus years.  Prior to Joining Operation HOPE as a Credit and Money Management Coach I have seen the impact and disappointment in people when denied a loan application because of low/no credit. Being able to serve in this capacity at Operation HOPE will allow me to help and direct individuals to better manage their finances and build/rebuild to a 700 and above credit score. 

Email: debra.douglas@operationhope.org
Youbookme link: https://debradouglas.youcanbook.me





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Predeitha 'Pre' Oliver

Predeitha Oliver has worked for over 20 years in the Banking and Mortgage Industry as an Assistant Manager, Mortgage Closer, Funder, Resolution Specialist, Title Liaison, Vendor Assistant Manager and many other roles. Her career experience has given her the necessary knowledge and the understanding to counsel and help clients understand the Mortgage process to become Mortgage Ready. Her life experiences as a single parent allow her to be relatable and transparent in expressing the amount of willingness and determination that is needed to reach a financial goal. Oliver diligently enforces Operation HOPE's mission to help clients increase credit scores, increase savings, & reduce debt.Working with Operation HOPE put Olive in a position to demonstrate her passion for serving her community. She enjoys the continuous effort of being a good role model to her three daughters, two of which are dancers for Philadelphia CAPA (Creative and Performing Arts) High School. 

Email: predeitha.oliver@operationhope.org
Youbookme link: https://oliver-03.youcanbook.me