Denise Richardson his been an avid consumer advocate for fifteen years working steadfast in her resolve to bring greater transparency to the credit industry and to improve the way that consumers are treated by creditors and the credit reporting agencies. She is on the Board of Directors of ACCESS (American Consumer Credit Education Support Services) and a contributing writer for guardmycredifile.org an ACCESS project and is a member of many consumer advocate organizations. She was born and raised in Vermont, a long time resident of Greenfield, Massachusetts and currently makes her home Hollywood, Florida.