About Us

About Us

Our mission is to help people get their credit, mind and body "buff" by providing both self-improvement products and credit building services that will empower individuals to take control of their overall well-being.

Roger Janik
Co-Founder & CEO

Roger’s entrance into the IT world began in 2001 where he began a career in web design, development, and programming. He founded Fair Marketing in 2005 which provides robust digital marketing solutions for mid to large companies.

After 16 years of success with Fair Marketing, Roger transformed into a serial entrepreneur. In addition to owning Fair Marketing, he successfully built and sold BeefJerky.com and is currently a majority stakeholder in Fountains.com.


Roger has held a board seat on the Better Business Bureau for over 10 years now and his companies have won countless awards including making the Inc 5000 list.

Tyler Janik
Co-Founder & VP

Tyler has years of experience and knowledge in the credit building industry, his customer experience and management skills gives him the keen advantage of building Buff Financial as a founding partner. He is passionate about building companies while at the same time ensuring that customers receive honesty and clarity when it comes to their financial journey.

In addition, he has worked in the hospitality industry for over 10 years including management. Tyler has a true talent and passion for graphic design, art, and music and this easily translates into the formation, creation, and the overall aesthetic of Buff Financial.


Roy Janik
IT Advisor

While at IBM, Roy developed large-scale computer systems and simultaneously earned his master’s degree in computer science at the University of Texas.


Outside the office, Roy co-owns and performs at an improv theater in Austin, Texas. His work in improvisation has benefited him greatly as a software engineer. Both require adaptability and an openness to new ideas.

Nick Palacios
Digital Products Advisor

Nick is an entrepreneur with over 20 years of building digital products for Fortune 500 companies as well for his own start-up ventures. He has a strong passion for product development, user experience and driving user growth.


Most recently, worked with a major oil and gas company focused on leading their external digital communication platforms. He has also co-founded several web start-ups with his latest being acquired by a venture firm.


Nick graduated from the University of Houston with a degree in business administration.

Ann Al-Bahish

An attorney with a Ph.D. and an honors Harvard Law School graduate, Ann has practiced law in Houston for over twenty-five years, focusing on litigation, environmental law, drafting contracts and supporting a wide variety of clients.  Her clients have included railroads, energy companies, manufacturers, healthcare entities, and state governments, among others.  She has been recognized in her profession and the business community, and was inducted into the 2021 Greater Houston Women’s Chamber of Commerce Hall of Fame.

Ann is experienced with preventing and/or mitigate losses and disputes through the negotiation and creation of clear, cohesive documents that aid and promote successful business relationships and allocate risk.

Ann has also advised on emerging legal issues related to medical technology and medical or consumer products. Ann has published and spoke on diverse environmental and health topics and has served in leadership positions on many nonprofit boards.

We help people get their credit in shape

No credit history? Need to improve your existing credit score? We’re here to help.

Many personal finance tools can be overwhelming. Some even seem purposefully confusing! Buff offers a simple yet powerful way to help you stay on top of your credit goals while at the same time providing you with an education that can improve your life.

Every product we sell focuses on improving your mind, body, and finances while you make low monthly payments for the purchases, which in turn improves your credit score.


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Customer See An Average Credit Score Increase
Of 65+ Points*

Get approved in minutes for a credit line of up to $1000