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In a March 10, 2016 photo, Tamika Walker, second from right, poses with her daughters, from left, Tamia, 17, Camryn, 8, and Camylle, 1, in their home in the Wolf River Bluffs neighborhood in Memphis, Tenn. After 10 years of discipline to clear up $25,000 in credit card and car-loan debts as well as a credit history that included bankruptcy, Tamika and her husband Clarence Walker bought a house. For the same amount they had been paying in rent, Tamika said.   (Brandon Dill/Special to The Commercial Appeal)

In a March 10, 2016 photo, Tamika Walker, second from right, poses with her daughters, from left, Tamia, 17, Camryn, 8, and Camylle, 1, in their home in the Wolf River Bluffs neighborhood in Memphis, Tenn. After 10 years of discipline to clear up $25,000 in credit card and car-loan debts as well as a credit history that included bankruptcy, Tamika and her husband Clarence Walker bought a house. For the same amount they had been paying in rent, Tamika said. (Brandon Dill/Special to The Commercial Appeal)

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