Credit Repair Junkies

The debt numbers in our country are shocking. The average US credit card debt at the end of 2023 was over $6,000. Total consumer credit card debt exceeded $1 trillion.

Worse still, 50% of Americans feel their financial situation is worsening, the highest level since 2009.

This debt crisis is devastating families and communities, and as CROs we are best positioned to provide a solution. We understand firsthand the burden that debt places on our clients.

We might help them with credit repair, but ultimately, they have to deal with the debt itself.

In the latest episode, I am joined by Reco McCambry, who has made his mark in the financial services and direct sales industry as one of the youngest and most successful entrepreneurs in the space. His company, Novae, is the largest direct sales fintech company in the United States.

Reco and I had a conversation about how credit repair businesses can offer debt relief services to their clients and make an additional stream of income.

We introduce a groundbreaking debt relief program that offers CROs a turnkey solution to help their clients achieve financial freedom.

By simply referring clients to the program, CROs can earn a commission of 1% of the total enrolled debt amount, with a minimum of $100 per referral. With just 10 clients, you are looking at more than a grand in additional income to your business and potentially even more depending on the debt amounts.

Don't miss this opportunity to enhance your services and increase your revenue while making a meaningful difference in your client's lives.

Click to listen and learn how to earn more while making a real difference in your client’s lives.

Key Takeaways

Introduction and episode overview (00:00)

Reco McCambry’s background and journey (01:59)

Why CROs need to add debt relief to their services (08:38)

Debt relief program overview (11:29)

Benefits of the program for consumers (22:43)

How the program works for CROs (31:33)

Technology integration in debt settlement (41:13)

How to become an affiliate (43:30)

Additional Resources 

Start Offering Debt Help Services Now: https://creditrepairjunkies.com/debt-relief

Revolutionize Your Credit Repair Business: https://creditrepairjunkies.com/go

Credit Repair Junkies is the ultimate podcast for credit repair entrepreneurs ready to revolutionize and skyrocket their business.

For credit repair entrepreneurs, debt defense is one of those things that you’ll have to help your clients with from time to time. Unfortunately, some CROs don’t know what the process looks like and what they need to do once their client is sued by debt collectors.

The legal aspects of debt defense can be intimidating. Consumers might not understand their rights or the debt collection process, making it seem like they have no options. As CROs, we can help them understand their rights and how procedural steps to take.

In this episode I welcome back Dustin Ball from Rocket Financial Services. Dustin and I share tips on how consumers can defend themselves in a debt lawsuit if they get sued by a creditor.

We also discuss the critical role of client education and selecting clients ready to commit to the credit repair journey.

This is an educational episode for anyone looking to learn more about fighting back against debt lawsuits to improve client outcomes. 

Tune in!

Key Takeaways

Intro (00:00)

Debt defense for credit repair companies (03:48)

Debt collection lawsuits and client education (17:31)

Proper service of legal documents, challenges faced by consumers (23:18)

How to defend yourself without a lawyer (31:04)

How to dispute inaccurate bankruptcies on credit reports (40:26)

Legal strategies to avoid wage garnishment due to improper service (46:01)

Importance of responding promptly to summons (50:18)

Statute of limitations for credit reporting and debt collection (1:03:13)

Using the discovery process to gain leverage in debt cases (1:11:00)

Resources for debt collection clients to understand legal processes (1:26:30)

Additional Resources 

Revolutionize Your Credit Repair Business: https://creditrepairjunkies.com/go

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Dustin Ball’s LinkedIn: https://www.linkedin.com/in/dustin-ball-84b332195/

Dustin Ball’s Facebook: https://www.facebook.com/dustnball

Dustin Ball’s Website: https://rocketfinancialservices.com/ 

Credit Repair Junkies is the ultimate podcast for credit repair entrepreneurs ready to revolutionize and skyrocket their business.

Are you thinking about starting a credit repair business? Or maybe you've already taken the leap but are looking for ways to accelerate your growth.

This interview with Dave Burgio, owner of Trifecta Credit Solutions, offers a path for aspiring and current credit repair entrepreneurs.

Dave was initially in the restaurant industry but pivoted to credit repair to help people improve their financial health.

We discuss the importance of educating clients on proper credit management and leveraging credit, not just repairing it. Dave stresses the need for robust systems and seeking mentorship to grow a successful credit repair business.

Besides mentorship, a credit repair business should be treated as a serious endeavor if you want it to grow. Treat it as a side hustle, and it will always remain something on the side.

Listen now and learn how to scale a credit repair business from a side hustle into a thriving business.

Key Takeaways

Introduction to the episode and guest (00:00)

Dave's background in the restaurant industry (01:42)

Transition to credit repair (03:08)

Educating clients on credit management (06:48)

Scaling from side hustle to full-time business (14:49)

Importance of proper systems (20:02)

Value of mentorship and networking for entrepreneurs (29:51)

Final advice for new credit repair business owners (35:38)

Additional Resources 

Revolutionize Your Credit Repair Business: https://creditrepairjunkies.com/go

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Trifecta Credit Solutions Website 

Credit Repair Junkies is the ultimate podcast for credit repair entrepreneurs ready to revolutionize and skyrocket their business.

In this episode, I interview Tiffini Watts, a credit repair owner who shared her journey and experiences within the industry.

The conversation, spanning various facets of entrepreneurship, illuminates the challenges and triumphs inherent in this dynamic field.

Tiffini Watts embarked on her remarkable journey in the credit repair industry, originating from her time at a network marketing company.

When the company faced legal issues, she seized control, immersing herself in the intricacies of credit repair and ultimately launching her own successful business.

Overcoming imposter syndrome, outsourcing dispute resolution, and working with a marketing team were crucial milestones in Watts' entrepreneurial journey.

Tiffini shares how she makes sure she has a constant pipeline of leads for her business, with 20 to 30 coming in each day.

From overcoming imposter syndrome to building a residual income platform, the conversation serves as a roadmap for individuals navigating the complex terrain of credit repair and business ownership.

Tune in and learn more!

Key Takeaways

Intro (00:00)

Reputation management in credit repair (04:12)

Starting a credit repair business (09:11)

Overcoming imposter syndrome (14:32)

How to overcome credit repair business challenges (21:22)

Imperfect action to progress (23:23)

How to get credit repair leads (25:37)

Why you shouldn’t be struggling with leads ((26:59)

Scaling a credit repair business (31:02)

Advice for people starting out (33:41)

Additional Resources 

Revolutionize Your Credit Repair Business: https://creditrepairjunkies.com/go

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Tiffini Watts’ Facebook

Optimal Score Solution Website  

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Credit Repair Junkies is the ultimate podcast for credit repair entrepreneurs ready to revolutionize and skyrocket their business.

In this episode, we dive into the story of Denzel Jones, the founder of Jones Luxury Finance, who successfully broke free from the shackles of a mundane 9-5 job that paid a mere $300 a week.

Denzel's story is a testament to the transformative power of entrepreneurship and his evolution in the credit repair space over the past year.

He discusses his learning process, relying on resources like YouTube and other tools. Mentorships played a significant role, helping him discern good and bad information.

Detailing the steps to start his business, Denzel discusses the initial investment and the importance of self-education. He highlights the ongoing learning curve, especially refining sales and marketing skills. The conversation explores strategies for effective client communication and engagement.

Offering advice to aspiring entrepreneurs in the credit repair industry, Denzel underscores the need for persistence, investment, and continuous self-education.

This episode is a valuable resource for those considering entering the credit repair business, providing practical insights and pitfalls to avoid and emphasizing the importance of ongoing learning.

Don't miss out on the wisdom he shares—hit play now and get inspired!

Key Takeaways

Intro (00:00)

Credit repair learning curve (04:25)

Credit repair starting costs (06:50)

How to double-check credit repair info (08:25)

Sales and marketing strategies (12:12)

Self-education from suitable sources (16:23)

Credit repair best practices (21:05)

Affiliate marketing strategies (25:50)

Additional Resources

Revolutionize Your Credit Repair Business: https://creditrepairjunkies.com/go

Denzel’s LinkedIn: https://www.linkedin.com/in/denzel-jones-51041a23a/

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Credit Repair Junkies is the ultimate podcast for credit repair entrepreneurs ready to revolutionize and skyrocket their business.

Dylan Shively, an army veteran turned entrepreneur, shares his inspiring journey from a Verizon manager to founding the James Warren Group, a successful credit repair firm.

Facing personal credit challenges, Dylan turned adversity into opportunity, helping himself and others in similar situations.

Starting with friends and family, Dylan expanded his services through social media, rapidly growing the James Warren Group. Beyond quick fixes, the firm educates clients on informed financial decisions and restoration of credibility.

Recognizing the importance of teamwork, Dylan strategically hired and trained a team, enabling scalability and efficient processes. Listening to client and staff feedback, he identified critical levers like outsourcing and efficient processes that propelled his business to a couple of thousand active monthly clients and over 11,000-lifetime clients.

Dylan's journey highlights resilience, strategic thinking, and a commitment to helping others, serving as inspiration for aspiring entrepreneurs.

His success underscores the significance of learning, adapting, and prioritizing client and staff needs for sustainable business growth.

Don't miss Dylan Shively's inspiring story – tune in now for invaluable insights and unleash your own journey to success!

Key Takeaways

Intro (00:00)

How Dylan got into credit repair (01:07)

Learning credit repair (06:56)

Changing lives through credit repair (13:22)

Starting and running a credit repair business (25:09)

Growing the business to 11,000 clients (33:50)

Credit repair marketing strategies (40:31)

Efficiently scaling the business without losing quality (50:41)

Long terms goals for Dylan and the group (56:21)

Accurate knowledge for CROs (01:02:56)

Trust but always verify (01:08:01)

When to start outsourcing credit repair tasks (01:17:51)

Additional Resources 

Revolutionize Your Credit Repair Business: https://creditrepairjunkies.com/go

James Warren Group: 

Website: https://jameswarrengroupinc.com/

Instagram: https://www.instagram.com/jameswarrengroupinc/

Credit Repair Junkies is the ultimate podcast for credit repair entrepreneurs ready to revolutionize and skyrocket their business.

In this episode, I had the pleasure of chatting with Terrell Goode, the brilliant mind behind Next Step Credit Repair. Terrell's story highlights the transformative power of dedication and hard work in the credit repair industry.

Terrell's venture into the credit repair world wasn't a meticulously planned endeavor. In 2017, facing credit roadblocks while pursuing his dream of upgrading his family's living situation, he enlisted the help of a local credit repair company. 

Little did he know, this decision would spark the beginning of a journey that would lead to Next Step Credit Repair, now boasting over 1200 active monthly subscription clients.

A key takeaway from Terrell's journey is the emphasis on time over money in the credit repair business at the launch stage.

He urges aspiring entrepreneurs to give their ventures the time they deserve. Terrell invested time in learning and applied his knowledge diligently, laying the foundation for the eventual success of Next Step Credit Repair.

Terrell's journey from launch to breaking the million-dollar mark in less than two years is a testament to his relentless work ethic. He shares insights into the grind, working over 100 hours weekly, and the discipline required to achieve such remarkable success.

Terrell Goode's journey is a blueprint for turning passion, perseverance, and work ethic into a thriving credit repair business.

Tune in, take notes, and let the inspiration flow!

Key Takeaways

Intro (00:00)

How Terrell got into credit repair (00:58)

Learning how to run a credit repair business (08:58)

The genesis of Next Step Credit Repair (13:01)

The investment that pays dividends (25:10)

Battling imposter syndrome (31:11)

The million-dollar milestone (37:57)

Running the ship today (39:16)

Better business tactics (41:51)

Advice for people starting out in credit repair (49:06)

Taking your business to the next level (51:26)

Additional Resources 

Revolutionize Your Credit Repair Business: creditrepairjunkies.com/go

Terrell Goode’s Instagram and Website 

Credit Repair Junkies is the ultimate podcast for credit repair entrepreneurs ready to revolutionize and skyrocket their business.

In today's episode, we dive into the inspiring journey of Ricardo Soto, a former corporate banker who transitioned into the credit repair industry after a personal tragedy led him to explore new opportunities.

In 2015, Ricardo's father's brain tumor diagnosis led to his job loss at Chase Bank, precipitating financial turmoil. With over $100,000 in credit card debt, repossessed vehicles, and charged-off cards, he filed for Chapter 7 bankruptcy in 2018.

Ricardo's foray into credit repair started when he met a dealership employee who introduced him to the concept. His curiosity led him to take charge of his and his wife's credit repair, learning the dos and don'ts of the trade, which then led him to launch his own credit repair company.

Starting a credit repair business requires daring, persistence, and a blend of credit expertise and entrepreneurial skills. Success goes beyond credit repair; it's about running and growing a thriving enterprise.

Ricardo has mastered the art of getting leads and consultations from social media. He can get as many as 120 consultations daily from his 400k+ followers on TikTok and more than 100K followers on Instagram.

How does he manage to do this?

Tune in to learn his very effective tactic that brings all those leads and consultations to his business.

Key Takeaways

Intro (00:00)

Ricardo's background in banking and credit (00:53)

Father-son relationship and entry into credit repair (03:33)

Setting up a credit repair company (11:19)

Consistency in business and social media content creation (27:20)

Attention is the new currency (32:58)

Advice for people just starting out in credit repair (35:34)

Why many credit repair owners fail (39:38)

How to get more leads from social media (45:15)

Why we are in the credit repair industry (49:07)

Additional Resources 

Revolutionize Your Credit Repair Business: creditrepairjunkies.com/go

Ricardo Soto’s Instagram and Tiktok

Credit Repair Junkies is the ultimate podcast for credit repair entrepreneurs ready to revolutionize and skyrocket their business.

In this episode, I am joined by Edgar Cruz from NuLeaf Financial to reveal the keys to successfully launching a credit repair company. He opens up about his transition from managing a retail team at T-Mobile to the dynamic world of credit repair entrepreneurship.

Edgar Cruz's journey began in 2021 when he transitioned from managing a retail team at T-Mobile to the world of credit repair. Like many, he felt unfulfilled and trapped in his corporate job, yearning for a change.

After five months of saving up and meticulous preparation, he made a bold decision – to quit his job and embark on a new entrepreneurial journey.

Leaving a secure job is a decision that takes courage. Edgar Cruz did just that, feeling a sense of urgency and excitement for his new venture.

What really set Edgar going was a $10,000 investment he paid for coaching and mentorship, which ensured he was surrounded by the right people. He underscores the importance of learning from the right people and recognizing the value of such investments.

Through successful credit repair entrepreneurs, he learned that it was possible to make money in this industry ethically and scale a business to the point of selling it.

For those looking to follow a similar path, tune in to this episode to learn what it takes to launch a successful credit repair company!

Key Takeaways

Intro (00:00)

Taking the leap into a credit repair business (01:12)

Pros and cons of being your own boss (04:36)

Launching a credit repair business the right way (09:41)

Surround yourself with the right people (14:27)

How long it takes to structure a business (15:25)

Always remain a student of the game (17:00)

Edgar's short and long-term goals (19:03)

The best way to differentiate yourself (23:01)

How to survive in credit repair long term (25:02)

Additional Resources 

Revolutionize Your Credit Repair Business: creditrepairjunkies.com/go

Credit Repair Junkies is the ultimate podcast for credit repair entrepreneurs ready to revolutionize and skyrocket their business.

Matt Hull, founder and CEO of Credit Factor, has a remarkable story about his journey into the world of credit repair. 

With 11 years of experience in the automotive industry, Matt's path was a winding one that eventually led him to this exciting venture.

His career included various automotive finance and sales roles, providing him extensive knowledge about finance, credit, and lending. But it was his curiosity about credit files, scores, and the intricacies of the credit system that truly ignited his passion.

This newfound enthusiasm prompted him to consider starting his own credit repair business.

Matt had initially been unaware of the existence of credit repair companies, but the allure of assisting people in mending their credit was too tempting to resist. 

He recognized that his expertise gained from years in the automotive finance industry could be put to good use.

Despite his full-time role as a finance manager for a GMC dealer in Virginia, Matt and his brother, who started Credit Factor just a month ago, have already managed to sign up a few clients.

In this episode, Matt shares his motivations, experiences, and the essential steps he took to establish his credit repair business, as well as his short-term goals and when he expects to transition full-time to his company. 

His story serves as an inspiration to anyone considering a similar journey in the world of credit repair.

Key Takeaways

Intro (00:00)

The decision to start a credit repair business (03:01)

Balancing a job and credit repair (04:33)

Growing a business with a partner (12:10)

Selling the aspiration, not credit repair (14:35)

Outsourcing credit repair tasks (18:18)

When is the right time to outsource (19:16)

Starting costs for a credit repair company (23:07)

Credit Repair Junkie's mission (28:27)

Additional Resources 

Matt’s website: https://creditfactorusa.com/

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Revolutionize Your Credit Repair Business: creditrepairjunkies.com/go

Credit Repair Junkies is the ultimate podcast for credit repair entrepreneurs ready to revolutionize and skyrocket their business.