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What if I told you that one bad debt could count against you twice... even though it's the exact same account?

Sounds crazy, right? But it happens every day.

It’s reported once as a charge-off and then again as a collection. From the lender's point of view, that looks like double trouble, and it can absolutely wreck your credit score and your chances of approval.

Here’s why this is important: Most people don’t even realize that a charge-off and a collection are two completely different things, or that reporting the same debt twice is a violation. To make matters worse, if you treat them the same way, you'll use the wrong strategy, waste months of effort, and stay stuck with bad credit that could’ve been fixed.

That’s why today, I’m going to break down the real differences between charge-offs and collections and show you the exact steps to fight back against our predatory credit system. Plus, I’ll give you the exact letters you can use totally free so you can start fixing those accounts right away.

Tune in now!

✉️ Get Your FREE Debt Validation Letter Template Here: 

https://www.creditrepaircloud.com/dispute-letters/debt-validation

Key Takeaways:

00:00 Intro

01:35 Understanding the Difference Between Charge-Offs and Collections

02:39 What Is a Charge-Off?

04:03 What Is a Collection?

04:54 The Key Difference

06:07 How to Remove Charge-Offs

07:36 How to Remove Collections

08:57 Advanced Strategies for Removing Charge-Offs and Collections

09:22 My Final Point

10:04 Outro

Additional Resources:

• Get a free trial to Credit Repair Cloud
• Get my free credit repair training
• Remove Late Payments Fast! (Credit Score Hack)

Make sure to subscribe so you stay up to date with our latest episodes.

Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/

Would you believe there's a Facebook ad that's been running since 2013… and still brings in new clients every single day?

It’s true! The ad belongs to Steven Williams, a credit repair millionaire who mastered the art of simple, timeless marketing that never stops working. He’s automated everything, from ads to emails to client onboarding, so his business can run while he sleeps. And today, he’s breaking down the systems, mindset, and marketing strategies that made it all possible.

From the evergreen ads that bring in leads 24/7 to the funnel that’s converted over 10,000 of those leads, he shares it all. This is Part 2 of our conversation, and it’s PACKED with gold.

If you want your business to grow while you sleep… you need to hear this.

Tune in now!

👉 Join Summons Master and receive a 30% commission on all payments for paying customers you refer: https://shorturl.at/yE4U9

Key Takeaways:

00:00 Intro 

02:05 Game-Changing Credit Repair Strategy 

06:22 How Steven Brings in Customers 

11:20 Steven’s Best Performing Ads 

13:26 The Follow-Up Process 

27:06 Challenges in the Credit Repair Industry 

31:17 Credit Repair Cloud 

32:58 How to Expand Your Business

35:33 Rapid Fire Questions 

37:58 Outro

Additional Resources:

• Summons Master: https://summonsmaster.com
• Summons Master on Facebook: https://www.facebook.com/summonsmaster/
• The Credit Repair Shop on YouTube: https://www.youtube.com/@TheCreditRepairShop
• The Credit Repair Shop on Facebook: https://www.facebook.com/TheCreditRepairShop
• Get a free trial to Credit Repair Cloud
• Get my free credit repair training
• How to Fight Debt Collectors Without a Lawyer ft. Steven Williams

Make sure to subscribe so you stay up to date with our latest episodes.

Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/

You've just been hit with a lawsuit from a debt collector. 

What do you do? Panic? Freeze? Call a lawyer?

Well, that’s what most people would do in this scenario. But what if I told you that you don’t need a lawyer at all? Today, I’m joined by the newest member of our Millionaires Club, Steven Williams! Steven is the founder of The Credit Repair Shop and the genius behind Summons Master, an AI tool used to fight debt collector lawsuits. 

Steven himself was sued by a debt collector for a whopping $104K, so he’s talking from firsthand experience with the legal system. He turned his own painful experience into a system that’s helped over 10,000 clients fight back and WIN… often without ever needing to say a word in court.

You’ll hear how he used this experience to grow his credit repair business, how AI is now helping clients respond to lawsuits, and how YOU can offer this same service to protect your clients and grow your business (and your revenue). He’ll even walk us through a live demo of Summons Master. 

Plus, we’ll talk about what happens if you DON’T respond, how to avoid default judgments, and why this is the biggest hidden revenue stream in credit repair right now.

If you or your clients are getting sued, this episode is for you. 

Tune in! 

👉 Join Summons Master and receive a 30% commission on all payments for paying customers you refer: https://shorturl.at/yE4U9

Key Takeaways:

00:00 Intro 

01:49 Earning the Millionaires Club Award and Steven’s Background 

03:06 Getting Into Credit Repair 

05:46 Getting Sued by a Debt Collector 

13:18 The Results of Summons Master

15:38 What Is a Default Judgment? 

21:07 Summons Master Demo 

25:23 Client Success Stories

27:03 Most Common Reasons for Dismissals 

30:36 Banks and Debt Collectors 

35:42 Signs You’re Getting Sued

46:55 Outro

Additional Resources:

• Summons Master: https://summonsmaster.com
• Summons Master on Facebook: https://www.facebook.com/summonsmaster/
• The Credit Repair Shop on YouTube: https://www.youtube.com/@TheCreditRepairShop
• The Credit Repair Shop on Facebook: https://www.facebook.com/TheCreditRepairShop
• Get a free trial to Credit Repair Cloud
• Get my free credit repair training  
• How Patrice English Built a Million-Dollar Credit Repair Business from NOTHING

Make sure to subscribe so you stay up to date with our latest episodes.

Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/   

What if I told you that the number one thing holding back your credit repair business isn’t the disputes… but the marketing? 

Just think about it. You might be the best at fixing credit, but without a steady flow of clients walking through your door, you are stuck. And that’s exactly why so many businesses fail! 

But don’t worry… You’re in luck, because today’s guest has figured out how to generate leads consistently for as little as $5 a day. Sounds too good to be true, right? Well, meet Alex Rocha, a Facebook ad expert who has helped build a multi-seven-figure credit repair empire, helped over 30,000 clients, and mentored hundreds of entrepreneurs. He is a master at creating effective ads that won’t blow your budget. 

And the best part? Alex is here today to share some of his magic with you. In this episode, he walks us through exactly how to launch your very first paid ad in under an hour. If you’ve ever struggled to get clients, you’ll definitely want to stick around.

Let’s jump right in! 

Get Alex’s Fool-Proof Credit Repair Ad Guide: 

https://crc.mastodonmarketing.com/

Key Takeaways:

00:00 Intro 

02:13 Alex’s Background

02:55 Helping Credit Repair Businesses

05:16 How to Launch an Ad In Under an Hour 

12:44 The Secret to a Great Ad

19:55 Expected Return on Investment 

22:02 Common Mistakes When Creating Ads 

27:27 Optimizing Your Ads and Converting Your Leads 

30:52 Diagnosing What Goes Wrong with Ads 

33:09 Launching Crazy Offers

36:17 Key Metrics to Track 

38:16 Getting High-Value Clients 

41:55 Client Success Stories 

43:40 Rapid Fire Questions 

46:19 Outro

Additional Resources:

• Alex on YouTube: https://www.youtube.com/@CreditRepairAds
• Alex’s Website: https://mastodonmarketing.com/
• Alex on Instagram: https://www.instagram.com/mastodon.marketing/
• Get a free trial to Credit Repair Cloud
• Get my free credit repair training  
• Step-by-Step Guide to Recruiting TOP Affiliates for Your Credit Repair Business

Make sure to subscribe so you stay up to date with our latest episodes.

Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/   

A lot of people believe that filing for bankruptcy is a death sentence for your credit score…

But what if I told you it could actually be the fastest way to rebuild your credit, get lower interest rates, and even qualify for a mortgage down the road?

Here’s the secret the credit bureaus don’t want you to know: the first 30 days after you file for bankruptcy can make or break your credit score. You could stay stuck in the 400s for years, or you could see your score bounce back so fast you’ll hardly recognize it.

It might sound a little wild, but if you follow the same strategies that top attorneys and credit experts swear by, it really works. And today, I’m sharing those strategies with you! 

These steps can turn your financial setback into the best decision you ever made.

Remember, bankruptcy isn’t the end of the road. It’s actually a fresh start. 

Let’s jump right in! 

Key Takeaways:

00:00 Intro 

00:30 Why You Shouldn’t Wait 

01:37 You Are Not Powerless 

02:29 The Secured Card Sprint 

03:30 Disputing Errors on Credit Reports 

04:24 The Emergency Fund Credit Builder Combo 

04:32 Your 30-Day Action Plan 

04:55 My Final Point 

12:47 Outro 

Additional Resources:

• Get a free trial to Credit Repair Cloud
• Get my free credit repair training  
• I Ranked the Top 6 Credit Boosters from WORST to BEST

Make sure to subscribe so you stay up to date with our latest episodes.

Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/   

What if I told you that failure could be the key to building a million-dollar business? 

Our guest today, the latest member of our Millionaires club, Santiago Gill, proves it. He went from being a Marine veteran to struggling with e-commerce to finally cracking the code with Credit Repair Cloud. Now he runs a seven-figure credit repair business built on second chances for himself and for every single client he helps. 

He's here today to share how he bounced back from failure, how he used social media to explode his business, and how you can do the very same thing, even if you're starting from nothing. 

So if you've ever felt like you're behind, burned out, or ready to give up, you better stick around!

Key Takeaways:

00:00:00 Intro 

00:02:08 Receiving the Millionaires Club Award

00:04:57 Santiago’s Background

00:11:48 Getting Into Credit Repair

00:15:06 How Santiago Got His First Clients 

00:23:43 The Secret to Making Viral Videos and Building a Following 

00:38:35 How Santiago Made a Ton of Money in One Day

00:43:03 Santiago’s Best Credit Repair Tips and Tricks 

00:57:17 Building Credit, Early Mistakes and Stall Letters

01:03:30 Lead Gen, Automation, and Client Communication 

01:11:31 Business Lessons for Aspiring Entrepreneurs

01:18:01 Rapid Fire Questions

01:21:12 Outro 

Additional Resources:

• Santiago’s Website: https://lawtinosolutions.com/
• Santiago on TikTok: https://www.tiktok.com/@theecommbulldog
• Santiago on Instagram: https://www.instagram.com/lawtinosolutions
• Santiago on YouTube: https://www.youtube.com/@ecommbulldog
• Santiago on Facebook: https://www.facebook.com/santiago.gill.620021/
• Get a free trial to Credit Repair Cloud
• Get my free credit repair training  
• How 8 Credit Repair Entrepreneurs Got Their First Clients (Real Stories)

Make sure to subscribe so you stay up to date with our latest episodes.

Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/   

What we're seeing right now with student loans is unprecedented… 

Between January and March 2025, 2.2 million student loan borrowers lost more than 100 credit points. Another million borrowers lost 150 points or more. That means that if you had a 700 credit score, you could now be sitting at 550. That's the difference between qualifying for a mortgage and being denied for a basic credit card!

In 2020, the government paused payments, with no interest and no late fees reported. Then came a 12-month grace period during which missed payments would still not hurt your credit. But that all ended in October of 2024… Now there is no more protection. And the changes are being enforced retroactively, which is why people are waking up to devastated credit scores with no warning. 

Look, I know you're scared. I know you're angry. And you should be. This student loan credit reporting crisis is very real. But here’s the good news: it’s also created massive opportunities for removal. All the violations happening right now? Lack of notification… false reporting… servicer screw-ups… Those are your weapons.

Today, I’m going to show you how to use them and remove student loans for good.

Tune in!

Key Takeaways:

00:00 Intro

01:09 Student Loan Credit Crisis of 2025 Explained

03:01 The Two Types of Student Loans 

04:35 The Tactical Steps to Dispute Violations 

10:57 My Final Point

11:28 Outro 

Additional Resources:

• Get a free trial to Credit Repair Cloud
• Get my free credit repair training  
• Boost Your Credit Score INSTANTLY with Secured Credit Cards

Make sure to subscribe so you stay up to date with our latest episodes.

Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/   

Imagine building a 7-figure credit repair empire without spending a single dime on ads and while barely speaking English… 

It sounds crazy, but that’s exactly what today’s guest, Bruno Fleuridort, did! Bruno is an immigrant from Haiti who started his journey with no car, no money, no connections, and no backup plan. He taught himself credit repair by watching videos on YouTube and designed a system that prints money using nothing but social media and authentic testimonials. 

Today, he’s here to pull back the curtain and show you how you can do the same even if you’re starting from zero. Plus, you’ll learn how to build business credit, even with bad personal credit, and how to raise capital using other people’s profiles.

Starting from scratch or trying to scale without any starting capital? This episode is for you!

Tune in. 

Key Takeaways:

00:00 Intro 

03:10 Bruno’s Background 

05:50 How Bruno Got Into Credit Repair

07:58 The Role of Testimonials and Customer Engagement 

16:54 Growing a Team 

18:14 Systems Bruno Built in His Business

22:05 Inspiring Client Success Stories 

25:35 Advice for Aspiring Credit Heroes

30:23 Influencer Marketing 

32:10 Best Way to Build Business Credit 

34:13 Bruno’s Top Credit Repair Strategies 

39:10 The Truth About Cloud Mail 

41:39 Rapid Fire Questions

43:34 Outro

Additional Resources:

• Bruno’s Website: https://www.brunofleuridortenterprises.com
• Bruno on Facebook: https://www.facebook.com/bruno.fleuridort1
• Bruno on Instagram: https://www.instagram.com/brunofleuridort
• Get a free trial to Credit Repair Cloud
• Get my free credit repair training  
• Credit Repair Marketing: 6 Simple Ways to Get Clients for Free!

Make sure to subscribe so you stay up to date with our latest episodes.

Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/   

Paying a debt collector without knowing your rights can completely wreck your credit.

So if you’ve been dealing with debt collectors contacting you non-stop, sending you intimidating letters, and making you feel trapped with no way out, take a breath: there is a solution.

I’ve seen it happen too many times: someone thinks they’re doing the right thing by sending money on an old debt, and just like that, they restart the statute of limitations, kill their credit score, and lose all their legal leverage. 

And the worst part? 

A lot of that debt might be totally invalid, inaccurate, or straight-up fake.

In this episode, I discuss exactly what you should do when a debt collector calls. You’ll learn how to protect yourself using the Fair Debt Collection Practices Act, how to demand real proof before you ever consider paying, and how to spot the violations that could not only erase the debt but possibly put money in your pocket.

If you or your clients are getting those stressful calls and scary letters, take a deep breath. 

You’ve got more power than you think, and this episode will show you how to use it.

Tune in now for more!

Key Takeaways:

00:00 Intro 

01:56 Before we start

05:48 Validate the debt

06:14 Check the statute of limitations

06:41 Look for violations

08:22 Partner with an attorney

09:16 Negotiate smart

12:26 Outro

Additional Resources:

• How to Write a Pay for Delete Letter
• How to Write a Debt Validation Letter
• How to Write a Letter to a Collection Agency
• Get a free trial to Credit Repair Cloud
• Get my free credit repair training  
• Vance Dotson Reveals How to Make Debt Collectors Pay YOU!

Make sure to subscribe so you stay up to date with our latest episodes.

Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/   

Think you need a big team and a fat ad budget to build a million-dollar business?

Our guest this week, Devirick Watson, would strongly disagree.

In this episode, we sit down with Devirick, the founder of Credible Concepts, who’s built a credit repair business that’s earned over a million dollars in revenue without spending a single dollar on ads.

Instead, he focused on people—specifically on helping them, educating them, and building a business that runs on referrals, real results, and relationships.

Devirick gets real in this one. He talks about getting laid off from a Fortune 500 job, how he went from cleaning offices to fixing credit, and how he got his first paying clients by doing work for free (yes, on purpose). And now? His business is lean, automated, and totally compliant.

We talk about how he uses DIY tools to filter leads, why he only works with the right clients, and the exact strategy that’s helped him scale without burning out. 

If you're trying to grow your business the smart way, you’re going to love this one.

Tune in now!

Key Takeaways:

00:00 Intro 

02:09  Making a million dollars with credit repair 

06:14 Credit repair business: The early days

09:47 You don’t need a big team to succeed

15:03 Dealing with difficult clients? Do this!

18:04 Early days marketing

24:27 Credit Repair’s cloud tools for easier work

32:40 Rapid fire questions

Additional Resources:

• Credible Concepts: https://www.credibleconcepts.com/
• Devirick’s Instagram: https://www.instagram.com/dwatt901/
• Credible Concepts on Facebook: https://www.facebook.com/profile.php?id=100041322834426
• Get a free trial to Credit Repair Cloud
• Get my free credit repair training  
• 10 Tips to Build a Successful Credit Repair Business

Make sure to subscribe so you stay up to date with our latest episodes.