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.

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

What if I told you that the biggest reason your clients aren’t getting approved for mortgages isn’t their debt or income, but an outdated credit scoring system?

For decades, if your clients wanted a mortgage backed by Fannie Mae or Freddie Mac, they had to pass the classic FICO test. No exceptions. It didn’t matter if they’d paid their rent on time for 10 years or if their utility bills were flawless. If it wasn’t in the FICO model, it didn’t count.

But now, for the first time ever, lenders can choose between two models: FICO or VantageScore 4.0. This game-changing shift is finally breaking FICO’s decades-long monopoly and giving your clients a chance to score a home, maybe for the first time in their lives.

In today’s episode, I’m breaking down the advantages of VantageScore 4.0 and showing you how you can capitalize on this change to scale your credit repair business.

Tune in!

Key Takeaways:

00:00 Intro 

00:57 The FICO Test vs. VantageScore 4.0

02:07 Business Opportunity for Credit Heroes

03:13 Historical Context and Significance of FICO

04:55 Challenges in Adopting VantageScore 4.0

06:10 My Final Thoughts 

06:52 Outro 

Additional Resources:

• Get a free trial to Credit Repair Cloud
• Get my free credit repair training  
• 5 Possible Reasons and How to Fix Them

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

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/

By now, we all know that we can’t call leads anymore…

But what if I told you that’s the best thing that's ever happened to your business?

In today’s episode, we’re joined by Christopher Stirgus, credit repair entrepreneur and founder of Stirgus Credit Repair. He’s built a fully automated, TSR-compliant credit business that signs up new clients without making a single phone call. And today, he’s pulling back the curtain.

This special live session, hosted by our very own Troy Hitt, Head of Customer Success, dives deep into how Christopher eliminated cold calling, automated his onboarding, and used tools like CRC Billing and Credit Hero Score to streamline his entire operation.

You’ll see exactly how his website converts leads without contact, how his 50-question FAQ page builds instant trust, and how self-service signups helped him scale faster than ever, all while staying 100% compliant.

Plus, you’ll learn how to handle objections around trust, when (and how) to get on the phone with clients, and why you should fire bad leads before they even join.

If you’ve been stressed about the TSR, this episode is your blueprint to not just survive, but grow.

Tune in!

Key Takeaways:

00:00 Intro 

01:27 What Is the Telemarketing Sales Rule (TSR)? 

02:52 How the TSR Impacted Christopher’s Business

07:30 Christopher’s Website, Self-Service Signup, and CRC Billing

14:11 Cool Credit Hero Score Features 

15:20 Advice for Aspiring Credit Heroes

18:36 Affiliate Partnerships 

21:34 Dealing with Stall Letters

24:48 Outro

Additional Resources:

• Stirgus Credit Repair: https://stirguscreditrepair.com/index.html
• Get a free trial to Credit Repair Cloud
• Get my free credit repair training  
• TSR Could End Your Credit Repair Business Overnight, Here’s What You Can Do

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

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/

Everyone’s obsessed with removing bankruptcies. But what if I told you that focusing on the accounts tied to that bankruptcy could give your clients a bigger score boost?

In today’s episode, I’m joined by Haseeb Hussain, a legal expert who specializes in consumer credit law. He’ll break down the biggest misconceptions about bankruptcy removal and reveal a brand new legal tactic that could change the game. Plus, he’ll explain why credit bureaus quietly removing bankruptcies early might not be as good as it sounds.

You’ll learn why it's crucial to focus on accounts first, how to spot issues with bankruptcy statuses, and why legal tactics like sealing a bankruptcy can be a game-changer.

Most credit repair businesses miss out on these powerful strategies. Don’t be one of them.

Tune in now to learn how to handle bankruptcies the right way!

Key Takeaways:

00:00 Intro 

02:30 Haseeb’s Work Since Our Last Interview 

04:22 What You Need to Know About Bankruptcies Before Disputing

09:42 Helping Clients with Bankruptcies

12:56 Do’s and Don’ts of Bankruptcy Removal 

17:50 Potential Payouts in Lawsuits 

21:14 Haseeb’s Brand New Legal Strategy 

28:14 Early Bankruptcy Removal Is Not What It Seems

32:36 Getting Bankruptcies Back on Reports

34:44 New Legal Trends In Credit Repair

38:35 Most Common Cases Haseeb Takes On 

40:57 Viral Misinformation 

41:58 Rapid Fire: Credit Law Edition 

43:12 Outro

Additional Resources:

• Haseeb’s Instagram: https://www.instagram.com/haseeblegal/
• Haseeb’s TikTok: https://www.tiktok.com/@haseeblegal
• Haseeb’s Website: https://haseeblegal.com/Get a free trial to Credit Repair Cloud
• Get my free credit repair training  
• Consumer Law Attorney Haseeb Hussain Reveals Hidden Credit Repair Strategies!

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

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/

I've helped thousands of Credit Heroes scale from the ground up, and one of the biggest roadblocks they all hit? Payments.

From figuring out which billing model to use, to avoiding banned platforms like Stripe and PayPal, to understanding the Telemarketing Sales Rule—this stuff can get tricky fast. But I’ll make it simple.

You’ll learn why PayPal might freeze your funds, what a merchant account really is, how to automate billing with CRC Billing, and how a simple money-back guarantee could save your business.

Most people start their credit repair business without ever figuring out how to get paid. Don’t be one of them!

Tune in.

Key Takeaways:

00:00 Intro 

00:53 Challenges of Setting Up Payment Processing 

02:50 Why You Should Never Use PayPal or Stripe 

03:59 Following the Telemarketing Sales Rule (TSR) 

05:06 Different Billing Models for Credit Repair Businesses 

06:47 Setting Up a Merchant Account and Recurring Payments Platform

08:35 CRC Billing and Its Benefits

10:18 Offering a Money Back Guarantee 

12:13 Handling Declined Credit Cards

13:17 My Final Point 

13:59 Outro

Additional Resources:

• Get a Merchant Account: http://www.creditrepaircloud.com/merchant 
• Get Our TSR Compliance Checklist: https://www.creditrepaircloud.com/training-and-resources/tsr-compliance-checklist
• Get a free trial to Credit Repair Cloud
• Get my free credit repair training  
• Starting a Credit Repair Business? Don’t Make These 8 Fatal Mistakes!

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

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/

What if I told you that you could build a thriving credit repair business, even if you're brand new, not tech-savvy, or juggling multiple jobs? 

Well, that’s exactly what Patrick Sotello, also known as The Credit Sniper, did, and today he’s here to share all his insider tips. But this isn’t your typical interview. This is a behind-the-scenes conversation from our private Facebook community, where our Head of Customer Success, Troy Hitt, sat down with Patrick to discuss how he got started, how he stays compliant, and how he’s rapidly scaling his business with automation and affiliate partnerships.

We’ve cut the conversation down to just the most powerful moments, so you can soak up all the valuable insights without any filler. If you want to see what it really looks like to scale a compliant credit repair business in today’s world, you won’t want to miss this!

Key Takeaways:

00:00 Intro 

01:30 The Impact of Credit Repair Cloud 

03:55 Navigating the TSR and Staying Compliant 

07:43 Our Self-Service Sign Up 

11:28 Building Trust and Client Relationships 

16:39 Credit Hero Score and Affiliates 

23:37 Removing Charge Offs and Late Payments 

24:46 Hiring and Scaling a Team

27:01 Final Piece of Advice 

28:57 Outro

Additional Resources:

• Get a Merchant Account: http://www.creditrepaircloud.com/merchant 
• Get Our TSR Compliance Checklist: https://www.creditrepaircloud.com/training-and-resources/tsr-compliance-checklist
• Get a free trial to Credit Repair Cloud
• Get my free credit repair training  
• 10 Steps to Build a Successful Credit Repair Business

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

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/

Can doing work for free help you make a million dollars?

I know what you're thinking, but here's the thing: it's actually one of the smartest moves you can make when building your credit repair empire from scratch!

Today, I’m going to share how working for free can be the secret weapon that fuels your business growth. Plus, I’ll show you exactly how to onboard free clients in Credit Repair Cloud.

This strategy helped me grow my own credit repair business, and it has also helped many of our Millionaires Club members establish themselves in the industry. So, you better stick around!

Key Takeaways:

00:00 Intro

01:06 Building a Credit Repair Business with Free Clients

02:52 The Power of Early Wins with Free Clients

04:29 Strategies for Finding Free Clients

08:46 Onboarding Free Clients in Credit Repair Cloud

10:50 Using Client Agreements

12:34 Repairing Credit and Sharing Results

15:34 Outro

Additional Resources:

• Get a free trial to Credit Repair Cloud
• Get my free credit repair training  
• How to Use FREE Content to Generate Credit Repair Leads (And Stay TRS Compliant!)

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

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/

She went from bankrupt to millionaire, and now she’s helping others do the same.

Meet Daija Hopson, the newest member of our Millionaires Club, who turned her personal setbacks into a 7-figure credit repair business! 

Daija opens up about her journey from bankruptcy to building a credit repair empire. She shares how she managed to build a thriving business all by herself. From offering free services to build trust, to leveraging offline marketing tactics like door knocking and building strong community ties. Daija also reveals how she scaled her business and created a team that supports her mission to change lives.

Ready to hear how she did it? Tune in now!

Key Takeaways:

00:00 Intro 

01:50 Receiving the Millionaires Club Award 

03:09 Daija’s Background

04:58 Starting a Credit Repair Business

10:06 Building a Successful Affiliate Network 

13:33 Getting Your First Clients

15:03 Daija’s Most Memorable Client

16:29 The Credit Card Playbook 

19:18 Mistakes Credit Repair Entrepreneurs Make 

21:34 Daija’s Best Marketing Tactics 

25:08 Daija’s Favorite Credit Repair Tactics  

30:30 Rapid Fire Questions 

32:53 Outro

Additional Resources:

• Daija’s Business IG: https://www.instagram.com/luxury_creditco/
• Daija’s Personal IG: https://www.instagram.com/coach_daija/
• Daija’s Website: https://www.luxuryconsultinginc.com/
• Get a free trial to Credit Repair Cloud
• Get my free credit repair training  
• How Alicia Ault Went from Helping for Free to a Million-Dollar Credit Business

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

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/

Have you ever had a late payment ruin your credit score? 

Most people don’t realize just how much damage one single late payment can do. It can drop your credit score by 60 to 110 points—or even 200 points—depending on where you started and if you have multiple late payments. 

But you don’t have to live with it forever! There are actually simple ways to remove late payments fast.

In this episode, I’ll walk you through how to remove those damaging late payments from your credit report. From legal protection to technical errors to goodwill letters, I’ll show you what actually works (and what doesn’t).

If you want to learn how to remove those late payments, you’d better stick around!

Tune in now!

Key Takeaways:

00:00 Intro

01:18 The #1 Credit Killer

02:17 How One Late Payment Can Drop Your Credit Score

04:01 Life Events and Legal Coverage Can Help

05:34 Watch Out for Technical Errors and System Failures

06:56 Look for Inconsistencies and Data Mismatches

08:13 The Power of a Goodwill Letter

09:46 Step-By-Step Guide on How to Remove Late Payments

14:17 My Final Point

14:55 Outro

Additional Resources:

• Get a free trial to Credit Repair Cloud
• Get my free credit repair training  
• Remove Hard Inquiries & Get PAID—Here’s How (Step-by-Step Demo)

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

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/

What does it take to build a million-dollar credit repair business from nothing?

Well, today, we’re getting the answer from a very special guest. Meet Diamond Brown, CEO and founder of Diamonds Luxury Credit. Diamond went from humble beginnings to building a million-dollar credit repair business in just a few years. In this episode, she shares her incredible journey, from losing her job to becoming the first millionaire in her family, and how she used consumer law, marketing strategies, and sheer grit to transform her business and the lives of her clients.

Tune in! 

Key Takeaways:

00:00 Intro 

01:48 Receiving the Millionaires Club Award 

07:20 Getting Into Credit Repair

11:51 Scoring Her First Clients 

15:21 Starting Her Own Business

20:43 Building a Team 

23:04 Most Impactful Client Stories 

25:20 Diamond’s Tax and Insurance Companies 

28:32 Getting the Most Out of Social Media

32:06 The Secret to Getting Reviews and Referrals 

36:21 Biggest Marketing Mistakes Credit Heroes Make

38:06 Exposing Credit Sweeps

40:44 Diamond’s Favorite Credit Repair Strategies 

47:45 Rapid Fire Questions

50:39 Outro

Additional Resources:

• Diamond on Facebook: https://www.facebook.com/diamond.brown.821408/
• Diamond on Instagram: https://www.instagram.com/db_thabiggest/
• Diamond’s website: https://www.diamondsluxuryfinancialservices.com/
• Get a free trial to Credit Repair Cloud
• Get my free credit repair training  
• From Immigrant to Credit Repair Millionaire w/ Rolando Nunez

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