Latest / Earn Your Leisure / EYL #124 Everything to Know About Credit feat. The Credit Dude

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EYL #124 Everything to Know About Credit feat. The Credit Dude · Earn Your Leisure

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  Speaker 2: What's going on?
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  Speaker 3: Earnest Welcome EYL University, the number one place for business
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  Speaker 6: My graduates from my school being force back drop drop, Mike,
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• 2:19
  Speaker 4: All right, guys, welcome back. This is an extremely important episode.
• 2:23
  Speaker 4: So you know, it's been a while since we talked
• 2:26
  Speaker 4: about personal credit. Child to him five hundred that was
• 2:31
  Speaker 4: that was a dope classic episode. That was a lot
• 2:34
  Speaker 4: of exotic stuff and he's he's very good at that
• 2:39
  Speaker 4: it's high end. It's a lot of anxiety stuff. But
• 2:42
  Speaker 4: you know, we we had one, uh basic credit episode
• 2:46
  Speaker 4: and outside that, that's the only credit that we had,
• 2:49
  Speaker 4: and that was over a year ago. And so now
• 2:51
  Speaker 4: I think it would be a good time to revisit
• 2:54
  Speaker 4: the conversation of you know, personal credit, how to purchase
• 2:58
  Speaker 4: real estate with credit, how to student loan, and you
• 3:01
  Speaker 4: know business credit things that is these natures.
• 3:04
  Speaker 5: Like like an unknown territory.
• 3:05
  Speaker 4: Yeah, you can't have a financial literacy platform without fully
• 3:09
  Speaker 4: addressing credit. And it's like even stock like think about
• 3:12
  Speaker 4: market mondays. We talk about stocks every single week, and
• 3:15
  Speaker 4: it's still not enough for people, like you know what
• 3:16
  Speaker 4: I'm saying. So credit is something that we just can't
• 3:19
  Speaker 4: talk about one time or even two times. We got
• 3:21
  Speaker 4: to talk about it several different times. So we brought the.
• 3:25
  Speaker 5: Big dog, the big dog himself.
• 3:27
  Speaker 4: Yeah, Jose Rodriguez is also known as the credit Dude.
• 3:30
  Speaker 4: So if you're not familiar with Jose, he's a very
• 3:34
  Speaker 4: dynamic guy. He actually used to be in the military.
• 3:36
  Speaker 4: He's a veteran US Marine veteran, so he has a
• 3:41
  Speaker 4: company where he helps people repare their credit also build
• 3:44
  Speaker 4: business credit. He was just informing me. They got a
• 3:46
  Speaker 4: lot of stuff that they're rolling out the pipelines thousands
• 3:49
  Speaker 4: of clients nationwide, and he really probably became known to
• 3:55
  Speaker 4: a lot of people when he started working with DJ
• 3:58
  Speaker 4: Envy and Caesar both Io alumnis. When you know, they
• 4:02
  Speaker 4: were doing the real estate seminars all over the country
• 4:05
  Speaker 4: and they had MG the mortgage guy, who's a real
• 4:08
  Speaker 4: estate who's alumna? It has to be, who's an e
• 4:12
  Speaker 4: Y alumni. They had Lord of the Slumps, who's the
• 4:15
  Speaker 4: e Y alumni? So and they're a e Y alumni.
• 4:18
  Speaker 4: So everybody on the whole bill, I think this is
• 4:20
  Speaker 4: this is this is completely this complete decipher there. So
• 4:24
  Speaker 4: this is the last person from the movement that actually
• 4:28
  Speaker 4: has not been on the podcast. He's don't work with
• 4:30
  Speaker 4: us before. We'll talk about that, but he has not
• 4:32
  Speaker 4: been on the podcast yet. So this is, you know,
• 4:35
  Speaker 4: a full completion.
• 4:37
  Speaker 3: You know, it's double bottles to man, the amount of
• 4:39
  Speaker 3: love he shows just I mean just the amount of
• 4:43
  Speaker 3: love he shows, not only to us, but anybody is
• 4:45
  Speaker 3: involved with it. Anything somebody's doing that helps the community.
• 4:49
  Speaker 3: He's posting it, he's tagging, he's in your comments. Man,
• 4:52
  Speaker 3: kudos to you, bro for showing love.
• 4:54
  Speaker 4: It's free Jose. Jose is a good dude and just
• 4:58
  Speaker 4: one of those like Matt. Also just added value taught
• 5:01
  Speaker 4: two classes for Eyo University. Thank you for that. And
• 5:04
  Speaker 4: he's also a professor this year where he's going to
• 5:08
  Speaker 4: teach four classes actually so EOL University. You're extremely lucky.
• 5:11
  Speaker 4: And you know, he's one of these guys just reposted
• 5:13
  Speaker 4: and never asked to get on the podcast, never asks
• 5:15
  Speaker 4: to get on the platform, just like, yo, how can
• 5:17
  Speaker 4: I help? And I just love people like that because
• 5:20
  Speaker 4: there's so many people that just ask all the day
• 5:22
  Speaker 4: every day like this sign like you know what I'm saying,
• 5:26
  Speaker 4: you'll need me time. It puts you in an awkward
• 5:28
  Speaker 4: space because it's like, you know, just let it happen organically.
• 5:31
  Speaker 4: So I felt like, you know, it was it was,
• 5:33
  Speaker 4: it was time, and I know it's going to be
• 5:36
  Speaker 4: a classic episode without further ado, Jose, thank you for
• 5:39
  Speaker 4: joining us. Appreciate it.
• 5:40
  Speaker 2: Thanks a lot, Bro, I really appreciate you guys having me.
• 5:41
  Speaker 2: Man if it's an honor to be on here. Man,
• 5:44
  Speaker 2: let me tell you it's it's crazy to just be
• 5:46
  Speaker 2: you know, with you guys, and I look forward to
• 5:48
  Speaker 2: to learning and growing and just getting a good conversation going.
• 5:51
  Speaker 4: Man, let's do it. So I want to talk about credit.
• 5:54
  Speaker 4: Obviously that's what we're here for. But before we start,
• 5:57
  Speaker 4: I think it's interesting to get the backstory because on
• 6:00
  Speaker 4: everybody has different paths that they follow on life. So
• 6:02
  Speaker 4: how did you get into credit coming from the military,
• 6:05
  Speaker 4: Like did you go to the military out of high school? Like,
• 6:07
  Speaker 4: how did that happen?
• 6:07
  Speaker 2: Yeah, so I joined when I was seventeen Marines and
• 6:10
  Speaker 2: the Marines. Yeah, so I was seventeen. I had no
• 6:13
  Speaker 2: idea what I was going to do. You know, I
• 6:15
  Speaker 2: was a good kid growing up up until maybe like
• 6:17
  Speaker 2: sophomore year. You know, my dad, it was a drug addict,
• 6:21
  Speaker 2: is a drug addict still, so I didn't really have
• 6:23
  Speaker 2: that like father figure at the house saying like, hey, man,
• 6:26
  Speaker 2: do your homework, do whatever. You know, my mom is
• 6:29
  Speaker 2: my mom, so it's like, you know, for her, it
• 6:31
  Speaker 2: was just like for me with her, it was just like, yeah,
• 6:33
  Speaker 2: I'm just get away with whatever I can. And you know,
• 6:36
  Speaker 2: I decided to go to the military. It was like
• 6:37
  Speaker 2: I had no choice. Barely graduated high school out of
• 6:41
  Speaker 2: like three hundred and like fifty kids. I think I
• 6:43
  Speaker 2: was like ranked three hundred and ten where part of
• 6:45
  Speaker 2: Long Island from No, So I'm from Long Island from Bayshore,
• 6:48
  Speaker 2: and we moved to Long Branch, New Jersey in ninety
• 6:51
  Speaker 2: three to escape my dad, you know what I mean.
• 6:53
  Speaker 2: And but dad followed us again, so it was like,
• 6:56
  Speaker 2: you know, I'm from Long Branch, I'm in school. I
• 6:58
  Speaker 2: don't really know what I'm you know, I didn't know
• 6:59
  Speaker 2: what about the time, and I had to make a
• 7:02
  Speaker 2: name for myself. And it was like my character, like
• 7:05
  Speaker 2: my funniness, you know, giving back. It was always like that.
• 7:08
  Speaker 2: I was always a funny dude, and I used that
• 7:10
  Speaker 2: to like mask like all the pain I was going
• 7:13
  Speaker 2: through and everything I was going through at home because
• 7:15
  Speaker 2: nobody really knew that what was going on. And when
• 7:18
  Speaker 2: it came out to the military, people were like, Yo,
• 7:19
  Speaker 2: how's this dude going to go to the military, Like
• 7:21
  Speaker 2: he's always making jokes. So like I went to the
• 7:24
  Speaker 2: Marines at seventeen or I joined at seventeen. Two months
• 7:27
  Speaker 2: later I went to went to the Marine. So I
• 7:31
  Speaker 2: went in there. And what's crazy is before I left
• 7:34
  Speaker 2: to the Marines, they offered me like these two credit cards,
• 7:37
  Speaker 2: you know what I mean, Like not first premiere, but
• 7:39
  Speaker 2: it was like these two cars. I had no idea
• 7:41
  Speaker 2: what it was because my parents never told me about
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  Speaker 2: credit you know what I mean. I had no idea
• 7:46
  Speaker 2: what it was. So I got these two credit cards
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  Speaker 2: sent to me, and I'm like, well, shoot, I went
• 7:50
  Speaker 2: through the Marines anyway, so it's like, no, let me
• 7:53
  Speaker 2: just run it out, you know what I mean. So
• 7:55
  Speaker 2: I remember I went to the prom I went to
• 7:57
  Speaker 2: I had like a nice suit, I had this, went to.
• 7:59
  Speaker 5: Wild Wood, saw those pictures. Bro, Yeah, I'm sure, I'm sure.
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  Speaker 2: You did, you know what I mean. So I went crazy.
• 8:06
  Speaker 2: I think it was like four hundred dollars two dollars
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  Speaker 2: in these credit card you know what I mean, and
• 8:11
  Speaker 2: balled out, went to the Marines, came back home, and
• 8:15
  Speaker 2: kept getting these calls from these credit card companies. I
• 8:18
  Speaker 2: had no idea what it was, so it wasn't bad.
• 8:20
  Speaker 2: I just just paying them off. I paid them off
• 8:22
  Speaker 2: when I came back whatever. But then when I went
• 8:24
  Speaker 2: to Japan, you know, I went through my dude station,
• 8:26
  Speaker 2: I mean, my training. Then I got stationed in Japan
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  Speaker 2: and I go to apply for a credit card in Japan,
• 8:34
  Speaker 2: and they're like, yeah, you denied. I'm like, what are
• 8:36
  Speaker 2: you even talking about? Like credit? Like what are you
• 8:39
  Speaker 2: even saying I'm denied? Like you got a bankruptcy on
• 8:41
  Speaker 2: your credit report, you got a collection from like a supermarket,
• 8:45
  Speaker 2: you got these like a repossession, these credit cards, all
• 8:47
  Speaker 2: this stuff. But it was because of me and my
• 8:49
  Speaker 2: dad had the same name, you know what I mean.
• 8:52
  Speaker 2: But it took me like six years to figure that
• 8:55
  Speaker 2: part out.
• 8:55
  Speaker 4: But how did they? But like obviously I got different
• 8:58
  Speaker 4: social Security numbers? So how did that?
• 9:00
  Speaker 2: So the crazy thing is is you don't need a
• 9:02
  Speaker 2: Social Security number for something to report on your credit.
• 9:05
  Speaker 2: So if you know it's pii's like personal identification information,
• 9:09
  Speaker 2: So as long as some stuff matches, you're good. Yeah,
• 9:13
  Speaker 2: it's like nine, it's like nine things, Like it's like
• 9:15
  Speaker 2: a box, right, if all right, this checks out, this
• 9:17
  Speaker 2: checks out, this checks out, We're going to report.
• 9:19
  Speaker 5: It's like name, maybe the address, maybe the phone number.
• 9:21
  Speaker 2: Right, and being my dad, same name, I'm a junior,
• 9:24
  Speaker 2: same address, My birthdays are like six seven days apart,
• 9:28
  Speaker 2: so a lot of his stuff jumped on my credit,
• 9:32
  Speaker 2: you know what I mean. So now it's like I'm
• 9:35
  Speaker 2: spending all my mom. I'm in Japan, I'm eighteen nineteen.
• 9:37
  Speaker 2: Every weekend, I'm going out, you know, getting drunk through
• 9:40
  Speaker 2: one of the case, going to the clubs. It's like
• 9:41
  Speaker 2: I didn't save any money. So it's like now when
• 9:44
  Speaker 2: they didn't say you're denied credit to get like a camera,
• 9:47
  Speaker 2: I'm like what Like, I'm just like it just blew
• 9:51
  Speaker 2: my mind that I'm like, how do I have this
• 9:52
  Speaker 2: stuff on my credit? It's not mine? So I just
• 9:54
  Speaker 2: left it alone, and then I started fixing it little
• 9:57
  Speaker 2: by little, little by little, just started learning, you know,
• 9:59
  Speaker 2: getting evil. I bought credit repair for dummies, you know,
• 10:02
  Speaker 2: and I just started looking at stuff, you know, the
• 10:04
  Speaker 2: military to keep you act as a computer. So I
• 10:06
  Speaker 2: was going online like after hours and just researching stuff
• 10:09
  Speaker 2: and just figuring out, like what is this credit? What
• 10:12
  Speaker 2: is it? Because now I'm like almost twenty still with
• 10:15
  Speaker 2: messed up credit, have no idea what it is. So
• 10:18
  Speaker 2: it took me a long time to get my dad
• 10:19
  Speaker 2: stuff off of my credit report. But I had thought
• 10:22
  Speaker 2: he stole my identity, you know what I mean, because
• 10:25
  Speaker 2: put tune two together, like your dad's a drug addict,
• 10:28
  Speaker 2: you know what I mean? He didn't really do nothing
• 10:29
  Speaker 2: for you to say. I'm like, yo, this guy stole
• 10:32
  Speaker 2: my identity, you know what I mean? And no, and
• 10:36
  Speaker 2: he didn't have to apologize for him after.
• 10:37
  Speaker 4: That you said it to him, he denied it.
• 10:41
  Speaker 2: Yeah, I was messed up. He's like, yo, I didn't
• 10:43
  Speaker 2: do that. I was like, Noah, I was messed up, bro,
• 10:44
  Speaker 2: like you stole Joe's credit sto Steve. And for the
• 10:47
  Speaker 2: longest time, I'm thinking that, like my dad, you know
• 10:50
  Speaker 2: how they say like, oh, did they put their electric
• 10:51
  Speaker 2: bill in the kid's name?
• 10:54
  Speaker 5: My mom, I'm thinking that this is one of them stories.
• 10:55
  Speaker 2: Nah. So it wasn't that. So it wasn't until I
• 10:58
  Speaker 2: started going to credit boot can right, so so I'm
• 11:02
  Speaker 2: fast forward it. But it wasn't until I figured out
• 11:04
  Speaker 2: what it really was that he didn't steal my identity.
• 11:07
  Speaker 2: We just had a similar name. So then it took
• 11:10
  Speaker 2: me a long time to get that, you know, get
• 11:12
  Speaker 2: that taken off. And then next thing, you know is
• 11:15
  Speaker 2: my boy from California's like, yo, letbe you fix your credit?
• 11:18
  Speaker 2: Can you help me?
• 11:19
  Speaker 5: Yo?
• 11:20
  Speaker 2: I heard you know, I heard you got a bankruptcy off.
• 11:22
  Speaker 2: I heard you got this off. Can you help me?
• 11:24
  Speaker 2: And that was like two thousand and like four and five,
• 11:28
  Speaker 2: you know what I mean. And that's what started it.
• 11:30
  Speaker 2: It was basically because I had a problem with my
• 11:32
  Speaker 2: credit that I fixed. It took me like two three years.
• 11:37
  Speaker 2: But then everybody in the military was like, Yo, how'd
• 11:39
  Speaker 2: you do it? I'm going for my security clearance. That's
• 11:41
  Speaker 2: why they needed it. When you go for military, you know,
• 11:43
  Speaker 2: you go for a certain job, you have to have
• 11:45
  Speaker 2: top secret secret, you know, security clearance, and if your
• 11:49
  Speaker 2: credit is dinged up, you can't get it.
• 11:51
  Speaker 4: Yeah. Credit, I don't think people really know that if
• 11:53
  Speaker 4: you think about it. Credit affects people from jobs. Like
• 11:56
  Speaker 4: you said, credit can affect every aspect of your life
• 12:01
  Speaker 4: that you don't really even think about. Obviously the obvious
• 12:04
  Speaker 4: stuff like you know, having somewhere to live and being
• 12:06
  Speaker 4: able to drive. But yeah, a lot of a lot
• 12:08
  Speaker 4: of employers, depending on what kind of job it is,
• 12:11
  Speaker 4: you might not get the job if you have a
• 12:13
  Speaker 4: bad credit or bankruptcy. Even in the financial space, if
• 12:16
  Speaker 4: you have bankruptcies and stuff like that that can hurt
• 12:19
  Speaker 4: you. You might not be able to get a securities license
• 12:22
  Speaker 4: if you have, you know, because they look at it
• 12:23
  Speaker 4: like if you can't manage your own personal finances, how
• 12:25
  Speaker 4: you're going to be able to manage somebody else's finances.
• 12:27
  Speaker 4: So people don't realize and if you think about it,
• 12:29
  Speaker 4: there's no college course to my knowledge, on credit. It's
• 12:32
  Speaker 4: definitely not like degrees on credit. So it's like when
• 12:35
  Speaker 4: somebody's looking to learn about credit, where did they go?
• 12:39
  Speaker 4: They go to like YouTube or they have to find
• 12:42
  Speaker 4: an entrepreneur like yourself who learned it on the fly
• 12:45
  Speaker 4: and just learned it on their own. And that's one
• 12:47
  Speaker 4: of the good things with this platform because it's like,
• 12:49
  Speaker 4: if you think about the credits, one of the most
• 12:51
  Speaker 4: important things that we have in society, and not only
• 12:54
  Speaker 4: are they no, like they're not teaching you it, but
• 12:57
  Speaker 4: you couldn't even if you wanted to pay a college.
• 12:59
  Speaker 4: There's no there's no, there's nothing you can do. You
• 13:02
  Speaker 4: can't go to NYU and say, hey, I want to
• 13:03
  Speaker 4: major in credit, I want to take an undergrad and credit.
• 13:07
  Speaker 4: They don't have it.
• 13:09
  Speaker 2: And you know why, you're not supposed to no, because
• 13:12
  Speaker 2: they don't want you to know it.
• 13:13
  Speaker 5: That's what I mean, Like they're not you're not supposed
• 13:14
  Speaker 5: to know.
• 13:15
  Speaker 2: Right, Oh, yeah, they don't want you to know it.
• 13:17
  Speaker 3: Yeah, So like that makes sense what you're saying, right, Like,
• 13:19
  Speaker 3: obviously you can't get a securities license, and how you're
• 13:21
  Speaker 3: going to handle somebody else's finance if you can't held
• 13:23
  Speaker 3: your own. But why in the military, why why did
• 13:26
  Speaker 3: the credit score impact it in a negative way?
• 13:29
  Speaker 2: So it's not the good thing is not so much
• 13:31
  Speaker 2: the credit score. It's the credit data.
• 13:33
  Speaker 5: Okay.
• 13:34
  Speaker 2: And that's what I'm going to be talking to you
• 13:35
  Speaker 2: guys about too, is the data because honestly, just score
• 13:39
  Speaker 2: it doesn't really matter. It's the data that's so that's
• 13:43
  Speaker 2: on there. So like if you're trying to get a
• 13:44
  Speaker 2: security clearance for like intelligence, or like if you're trying
• 13:47
  Speaker 2: to get promoted unless say you can be a sergeant
• 13:49
  Speaker 2: major or a captain, or if you're going to be
• 13:51
  Speaker 2: working in finances in the military. And just like you said,
• 13:54
  Speaker 2: if you have a repossession on there, if you have collections,
• 13:56
  Speaker 2: you have late payments, like you're more likely to like
• 13:59
  Speaker 2: do something wrong because you're going to be strapped for cash. So, like,
• 14:02
  Speaker 2: if an opportunity presents itself for a contract or for
• 14:05
  Speaker 2: you to take a government credit card and you have
• 14:08
  Speaker 2: problems with your credit you're more than likely to do
• 14:11
  Speaker 2: something if you have something wrong in your credit.
• 14:13
  Speaker 3: And that's where so it's like the trustworthiness right it
• 14:16
  Speaker 3: actually people that's why, like when they look at your
• 14:20
  Speaker 3: credit it's not like you said, it's not really so
• 14:22
  Speaker 3: much of your score, Like you could be in the
• 14:24
  Speaker 3: financial space and have an eight hundred credit card hypotheticallylet's
• 14:27
  Speaker 3: saying you had a bankruptcy.
• 14:28
  Speaker 4: They don't really care about your credit scord is what
• 14:30
  Speaker 4: you did. And people look at your credit report as
• 14:35
  Speaker 4: like I always tell us like a transcript and it's
• 14:38
  Speaker 4: like you're like, it's like a record. So it's like
• 14:40
  Speaker 4: even like if you're trying to ensure jurelry, right, if
• 14:46
  Speaker 4: you have negative reports on your credit, the insurance company
• 14:50
  Speaker 4: probably won't issue that because it's like you're kind of
• 14:54
  Speaker 4: a flaky person. So it's like if you had a
• 14:56
  Speaker 4: bankruptcy or if you didn't pay your bills, now you
• 14:58
  Speaker 4: might pull a jury skill. Yeah, and like what I'm
• 15:01
  Speaker 4: saying like that that lets me know that you might
• 15:03
  Speaker 4: be the kind of person to pull a jelry scan
• 15:05
  Speaker 4: because you've already done things and it's like a criminal history,
• 15:09
  Speaker 4: like if you already robbed somebody, I don't know if
• 15:12
  Speaker 4: I feel comfortable letting you in my home because you
• 15:14
  Speaker 4: could probably do it again. If you do it once,
• 15:15
  Speaker 4: you could do it twice exactly exactly.
• 15:17
  Speaker 3: Trustworthiness, that's really it's realized, like this is so much
• 15:22
  Speaker 3: more that goes into credit than just having a good
• 15:23
  Speaker 3: credit score.
• 15:24
  Speaker 4: Like people was really looking at you like is this
• 15:27
  Speaker 4: a good dude or not? Based off your credit?
• 15:30
  Speaker 2: The history is so that's why you know, I tell
• 15:33
  Speaker 2: I always tell people doesn't really matter with your credit score.
• 15:36
  Speaker 2: Is because you have a seven to twenty with a
• 15:38
  Speaker 2: late payment and the repo. You didn't getting a mortgage
• 15:41
  Speaker 2: or you didn't getting a good rate. But you can
• 15:43
  Speaker 2: have a three hundred our limit and then authorized user
• 15:45
  Speaker 2: from your mom and have a seven fifty. That person's
• 15:48
  Speaker 2: better than the person with the you know, will have
• 15:51
  Speaker 2: a lower score, I mean than the person with the
• 15:53
  Speaker 2: higher score. It's all about data, you know what I mean.
• 15:55
  Speaker 2: So now with the military, when when you know, as
• 15:57
  Speaker 2: I started going in, you know, just like you, he said,
• 16:00
  Speaker 2: they don't teach it anywhere. So then when I got
• 16:02
  Speaker 2: out the military, my stepdad now my stepdad, he you know,
• 16:06
  Speaker 2: I had to help my mom refinance her house, right,
• 16:09
  Speaker 2: So my stepdad was like, hey, your mom's bankruptc's still
• 16:11
  Speaker 2: out here was dismissed. He has collections from a previous marriage,
• 16:14
  Speaker 2: and it was like once again, I'm like, all right,
• 16:17
  Speaker 2: somebody needs my help. So I had to figure it out.
• 16:19
  Speaker 2: You know, this is like two thousand and they're like
• 16:21
  Speaker 2: nine and I got my mom's bankruptcy is deleted. I
• 16:25
  Speaker 2: got everybody's stuff deleted. And my stepdad he was like, yo,
• 16:28
  Speaker 2: you should make a business out of this. And I'm like, man,
• 16:30
  Speaker 2: you no money and credit repair. I'm like, I'm just
• 16:32
  Speaker 2: helping people out, you know what I mean. Look, people
• 16:35
  Speaker 2: know this stuff. And he's like, no, man, I'm an accountant.
• 16:38
  Speaker 2: I can maybe refer you some people. So I was
• 16:40
  Speaker 2: working for the government at the time. I have already
• 16:43
  Speaker 2: goten the military, and this is twenty ten. So you
• 16:45
  Speaker 2: know what I did at LLC and what wasn't their
• 16:48
  Speaker 2: course on how to create an LLC, how to do
• 16:50
  Speaker 2: what AI in. So I messed up setting up my LLC,
• 16:53
  Speaker 2: messed up setting up my AI in, and then I
• 16:55
  Speaker 2: started doing credit. I started fixing people's credit like legally
• 16:58
  Speaker 2: because now I'm a business, you know what I mean.
• 17:01
  Speaker 2: And then maybe like a year and a half into it,
• 17:04
  Speaker 2: I quit my full time job in the government. You
• 17:06
  Speaker 2: know what I mean. I had a job in the government,
• 17:08
  Speaker 2: and they denied me in promotion because remember, you know
• 17:12
  Speaker 2: you said I'm a veteran, but I'm also a disabled
• 17:14
  Speaker 2: veteran mentally, you know what I mean. So I have PTSD,
• 17:18
  Speaker 2: have anxiety depression, a lot of the stuff from a
• 17:21
  Speaker 2: military career. Because I'm pretty sure if this is the
• 17:24
  Speaker 2: first time you're follow me, I'm an open book. I
• 17:27
  Speaker 2: got court martialed when I was in the Marines. You know,
• 17:30
  Speaker 2: I got everything taken away from me. I committed fraud.
• 17:33
  Speaker 2: I followed the crowd as a recruiter, and I frauded
• 17:36
  Speaker 2: kids in the military, you know what I mean, kids
• 17:38
  Speaker 2: that couldn't get illegally. I frauded them in you know
• 17:41
  Speaker 2: what I mean. And when I got caught, I got caught.
• 17:44
  Speaker 2: You know what I mean, I got So let's say,
• 17:47
  Speaker 2: if when you joined the military, right and you can't
• 17:50
  Speaker 2: pass the test, I would have somebody take it for you.
• 17:53
  Speaker 3: Okay, So like the college sheeting scandal tape down right, Obviously.
• 17:57
  Speaker 2: I wasn't the only one doing it, but I got caught,
• 18:00
  Speaker 2: pled guilty, got court martials, I sent to South Carolina,
• 18:04
  Speaker 2: was locked up for a little bit, and literally lost everything,
• 18:07
  Speaker 2: you know what I mean when I say everything, like
• 18:09
  Speaker 2: lost my military career, everything that I had going for me,
• 18:12
  Speaker 2: you know, from leaving where I had nothing, and then
• 18:15
  Speaker 2: now I'm back to square to one. Now I messed
• 18:17
  Speaker 2: up my credit on my own.
• 18:19
  Speaker 5: So that's after you had fixed it from your dad's situation.
• 18:22
  Speaker 5: You fix yourself, fixed it, and now you're back.
• 18:24
  Speaker 2: Now I'm back, So that's two thousand and seven. So
• 18:26
  Speaker 2: I think I went ahead a little bit. So now
• 18:27
  Speaker 2: that's two thousand and seven. Lost everything, you know what
• 18:31
  Speaker 2: I mean, went to the brig. Wanted to kill myself
• 18:34
  Speaker 2: when I got out because now I'm like, yo, if
• 18:35
  Speaker 2: I can't be a marine, like what else am I
• 18:37
  Speaker 2: good at? I don't know what else I'm good at.
• 18:39
  Speaker 2: I don't know how to live. I don't know what
• 18:41
  Speaker 2: else to do. And it was like I looked at
• 18:43
  Speaker 2: it as like pity me.
• 18:44
  Speaker 4: Institutionalized. A lot of times people think of institutionalized only
• 18:47
  Speaker 4: as people that go to jail, but you could be
• 18:50
  Speaker 4: institutionalized in any institution. That's why it's an institutionalized in
• 18:53
  Speaker 4: the military is an institution, and like you said, it's
• 18:56
  Speaker 4: a fraternity. And it's like, you know when you get
• 18:59
  Speaker 4: I don't know the link which but they're like dishonorably
• 19:01
  Speaker 4: just charging whatever. And it's like a lot of times
• 19:03
  Speaker 4: you'd like the outcast. And it's like when you say
• 19:05
  Speaker 4: you're used to you become Anything you do for more
• 19:08
  Speaker 4: than sixty days becomes a habit. And you do something
• 19:11
  Speaker 4: for years and you get up at five o'clock in
• 19:13
  Speaker 4: the morning, you run five miles and you eat. You
• 19:16
  Speaker 4: become a military man or a military woman. And it's like,
• 19:19
  Speaker 4: how was that for you to not only leave that,
• 19:22
  Speaker 4: but to leave that in that way? How did that like,
• 19:25
  Speaker 4: how did you readjust into society.
• 19:28
  Speaker 5: It took me.
• 19:30
  Speaker 2: That was two thousand and seven. It took me twelve years.
• 19:34
  Speaker 2: I still have my company, you know, I still had
• 19:37
  Speaker 2: my business. But it wasn't until I met Ryan Stuman,
• 19:41
  Speaker 2: the hardcore Closer and a good friend of mine, Jimon,
• 19:44
  Speaker 2: where they helped me get out of that and they
• 19:46
  Speaker 2: showed me that I had more to give than just
• 19:49
  Speaker 2: being a marine, because even though I had my credit
• 19:50
  Speaker 2: or Peair company, you know, I was still fixing people's credit.
• 19:54
  Speaker 2: You couldn't get me out of my house. So this
• 19:56
  Speaker 2: is twenty ten to twenty fourteen, four year I'm in
• 20:00
  Speaker 2: my basement. I'm not leaving the house. So it's like
• 20:04
  Speaker 2: what snapped me out of it was that I had
• 20:06
  Speaker 2: my daughter, I had my wife, and if I didn't
• 20:09
  Speaker 2: produce what I needed to produce, now my daughter is
• 20:12
  Speaker 2: not going to be and essentially living the way that
• 20:14
  Speaker 2: I did without a dad. You know, what was I
• 20:16
  Speaker 2: going to do? I wasn't What was I gonna do?
• 20:18
  Speaker 2: How was that going to provive with my family? So
• 20:20
  Speaker 2: it was like it was a long road where I
• 20:22
  Speaker 2: had to like snap out of it. It wasn't easy because
• 20:24
  Speaker 2: I still battle. I'm still battle PTSD, I still battle depression,
• 20:27
  Speaker 2: I still battle all that. But now I just know
• 20:29
  Speaker 2: how to cope with it. Now I'll just how to
• 20:30
  Speaker 2: deal with it. So it's like now when I started
• 20:32
  Speaker 2: my company. Now you know I'm helping people with their credit.
• 20:36
  Speaker 2: Now I feel like I have a purpose. And it
• 20:38
  Speaker 2: took but it still took me a long time to
• 20:40
  Speaker 2: realize that like what I do for one person, I
• 20:42
  Speaker 2: can probably do that for one hundred, one thousand, ten thousand,
• 20:45
  Speaker 2: because they don't teach it in high school. Unfortunately, they
• 20:48
  Speaker 2: don't teach it in college. They don't teach you this
• 20:50
  Speaker 2: stuff where it's like, why am I eighteen nineteen in
• 20:53
  Speaker 2: Japan just figuring out what credit is? And I see
• 20:56
  Speaker 2: that you guys are now starting even educating credit in
• 20:59
  Speaker 2: the elements tree schools and younger and people need that,
• 21:02
  Speaker 2: you know what I mean. And it was a very
• 21:04
  Speaker 2: long road man of where I am today to where
• 21:07
  Speaker 2: I used to be, because I shouldn't be here right now.
• 21:12
  Speaker 2: I literally shouldn't be here, but I am. And I
• 21:14
  Speaker 2: just love the fact that I'm now able to share
• 21:16
  Speaker 2: my story and help people with more than just credit
• 21:19
  Speaker 2: but everything else.
• 21:20
  Speaker 3: Yeah, so twenty fourteen in the house, obviously you said
• 21:24
  Speaker 3: you're in the basement. I'm imagining the depression is setting.
• 21:26
  Speaker 3: There is there a moment that changes the trajectory of like,
• 21:30
  Speaker 3: you know what, Obviously I have my daughter, I got
• 21:33
  Speaker 3: to get more clients.
• 21:34
  Speaker 5: What gets you out of the basement?
• 21:35
  Speaker 2: Now, Well, what got me out was the cops got
• 21:39
  Speaker 2: called on me and I have broke like a vase
• 21:43
  Speaker 2: over my head and this is like the stuff I
• 21:45
  Speaker 2: dealt with, like with the PTSD and what the cops
• 21:47
  Speaker 2: said was you could either go to jail or go
• 21:50
  Speaker 2: to the hospital. And it was like a pattern, like
• 21:53
  Speaker 2: it was a pattern, like a right, I got locked
• 21:54
  Speaker 2: up and roady, I went to jail, my going back,
• 21:56
  Speaker 2: And it was that click that I was like, wait
• 21:59
  Speaker 2: a minute. You started your company, you quit your job,
• 22:01
  Speaker 2: you got a wife, you got a daughter, Like why
• 22:03
  Speaker 2: are you messing everything up? You know what I mean?
• 22:06
  Speaker 2: So it was like it was that moment where I
• 22:08
  Speaker 2: went to the hospital and I literally got everything taken
• 22:10
  Speaker 2: away from me again, and I kind of like had
• 22:12
  Speaker 2: to reset in like twenty fourteen, twenty fifteen to where
• 22:16
  Speaker 2: it was like the luckily the guy that arrested me
• 22:19
  Speaker 2: or that took me to the hospital, he was military,
• 22:22
  Speaker 2: and he was like, yo, man, like what are you doing?
• 22:23
  Speaker 2: Like what are you doing? You know what I mean?
• 22:25
  Speaker 2: You have credit, you have this knowledge, you have this
• 22:27
  Speaker 2: you know because he knew the family, but he didn't
• 22:30
  Speaker 2: know of me. And it wasn't until that that I
• 22:32
  Speaker 2: realized that, like, yo, man, your purpose is greater than
• 22:34
  Speaker 2: what you think, you know what I mean. And that's
• 22:37
  Speaker 2: really what snapped me out of it. Because you know,
• 22:39
  Speaker 2: a lot of people not only do they teach you
• 22:41
  Speaker 2: about credit and business company. They don't take you how
• 22:43
  Speaker 2: to deal with these problems, you know, the VA doesn't,
• 22:45
  Speaker 2: the DA just wants to give you pills. But then also,
• 22:47
  Speaker 2: like family, they don't want to talk about your health.
• 22:49
  Speaker 2: They don't want to talk about what you've been through.
• 22:51
  Speaker 2: So it was like I really had no escape. I
• 22:53
  Speaker 2: had no way to escape what I was going through.
• 22:55
  Speaker 2: And that was when Jamon and Ryan Steuman helped me
• 22:58
  Speaker 2: out through.
• 22:58
  Speaker 4: That, you know, I mean, honorable man, I'm glad we
• 23:01
  Speaker 4: tell that story because you know, there's millions of people
• 23:03
  Speaker 4: that suffer from all kinds of you know, anxiety issues
• 23:08
  Speaker 4: and like you said, uh, post traumatic stress syndrome and depression,
• 23:13
  Speaker 4: and a lot of times they feel like they're alone.
• 23:15
  Speaker 4: So whenever they can hear somebody you know, speak openly
• 23:18
  Speaker 4: about it, speak candidly about it, they realize, hopefully they
• 23:21
  Speaker 4: can realize that they're not alone and that there's better
• 23:24
  Speaker 4: solutions than you know, going down the dark path. And
• 23:27
  Speaker 4: you know, like anything, we all have battles that we face.
• 23:29
  Speaker 4: But I commend you for sharing that. I appreciate that,
• 23:33
  Speaker 4: of course. So all right, so now let's get into it.
• 23:35
  Speaker 4: Let's get into what you are doing today helping thousands
• 23:39
  Speaker 4: millions of people with credit. So I got questions. I'm
• 23:43
  Speaker 4: sure Troy got questions. So I want to start with
• 23:45
  Speaker 4: the first question. Were talking off camera as far as
• 23:47
  Speaker 4: real estate. You was talking about like buying houses and credit,
• 23:52
  Speaker 4: some mistakes that people might make. Can you go into
• 23:55
  Speaker 4: that a little bit? Yeah?
• 23:56
  Speaker 2: So, so what a lot of people want to learn
• 23:59
  Speaker 2: and they and they ask a lot is like how
• 24:01
  Speaker 2: can I get into real estate without any money? Like
• 24:04
  Speaker 2: I want to flip houses? Like I see these people
• 24:06
  Speaker 2: making money, and I know, I know the previous guy
• 24:10
  Speaker 2: you had out in here, you know, use one of
• 24:11
  Speaker 2: his student loans to get to get the capital or
• 24:13
  Speaker 2: to get the starting finances to do his thing. Do
• 24:18
  Speaker 2: you know what I mean? So it's like, well, what
• 24:19
  Speaker 2: if you don't have a student loan? What if you
• 24:21
  Speaker 2: don't have that? So one of the things that I
• 24:24
  Speaker 2: tell people is use your credit. Use your credit to
• 24:27
  Speaker 2: where if you don't have the money to put money down,
• 24:31
  Speaker 2: get your credit to a point that first the data right,
• 24:34
  Speaker 2: fix your credit right, get everything you know, get on time,
• 24:38
  Speaker 2: keep your balances low, because if you're going to start
• 24:41
  Speaker 2: handling real estate, it's going to be expensive with that
• 24:45
  Speaker 2: you know what I mean, there's gonna be expensive when
• 24:47
  Speaker 2: it comes to real estate. So it's like if you
• 24:48
  Speaker 2: just think that, let me just get this credit card
• 24:50
  Speaker 2: and that's it. So it's like one of the things
• 24:52
  Speaker 2: that I tell people is is build your credit up
• 24:54
  Speaker 2: to a way where you get it over seven hundred,
• 24:57
  Speaker 2: but you get at least like twenty to thirty thousand
• 24:59
  Speaker 2: dollars in credit cards on your personal credit. Okay, then
• 25:02
  Speaker 2: what you do is use that as leverage to now
• 25:05
  Speaker 2: when you have an LLC and you have a business,
• 25:07
  Speaker 2: to get approved for business credit cards, so that way
• 25:10
  Speaker 2: you can get those business credit cards, pull money from
• 25:13
  Speaker 2: those business credit cards, whether it's Chase, because you know,
• 25:16
  Speaker 2: sometimes with your business credit card, you can give you
• 25:18
  Speaker 2: an option to get a check and to pull money
• 25:20
  Speaker 2: out of So now you can use that as your
• 25:22
  Speaker 2: down payment for your hard money loan or your faha,
• 25:26
  Speaker 2: you know what I mean. So now the funds are
• 25:28
  Speaker 2: sourced is coming from a credit card. You take that
• 25:31
  Speaker 2: credit card, you pull money out of it, You put
• 25:34
  Speaker 2: that as a down payment for your hard money or whatever,
• 25:37
  Speaker 2: you know, whatever is he trying to do. And then
• 25:39
  Speaker 2: now once you start filipping or you know, you refinance,
• 25:41
  Speaker 2: you take that and just play the credit card off again,
• 25:43
  Speaker 2: and you just do it again. It's kind of like
• 25:45
  Speaker 2: the same way where you know, he was taking a
• 25:47
  Speaker 2: student loan out and it's the same thing, but now
• 25:49
  Speaker 2: you're using your credit where you can literally come out
• 25:52
  Speaker 2: of pocket zero money. Only expense you might have is
• 25:55
  Speaker 2: maybe fixing your credit and coming up with the credit
• 25:57
  Speaker 2: builder cards and then the annual fees for those credit
• 26:00
  Speaker 2: cards that you're getting for the business credit.
• 26:01
  Speaker 3: All right, So here's the thing now, right, So if
• 26:03
  Speaker 3: I'm trying to get my own personal line up to
• 26:04
  Speaker 3: thirty thousand, am I starting with one or two cards?
• 26:07
  Speaker 3: Or am I trying to get as many cars as
• 26:09
  Speaker 3: possible to get to thirty yep? One, How is that
• 26:12
  Speaker 3: going to affect my credit? If I have multiple inquiries?
• 26:14
  Speaker 3: If I'm getting multiple cards?
• 26:15
  Speaker 2: Great question?
• 26:15
  Speaker 5: What what's the method I got to use? Yep?
• 26:18
  Speaker 2: So you're like, well, which cards do I get? Which
• 26:20
  Speaker 2: them do I apply for a hard inquiry? That's one
• 26:22
  Speaker 2: of the things that people always ask. So there's a
• 26:24
  Speaker 2: couple of credit cards that we tell people to get.
• 26:26
  Speaker 2: You have a seven hundred credit score with no credit cards,
• 26:29
  Speaker 2: nobody's giving you a five thousand dollars credit card. Why
• 26:33
  Speaker 2: because your data on your credit report doesn't suffice that
• 26:37
  Speaker 2: strong enough. It's not strong enough. So you might have
• 26:38
  Speaker 2: a seven to twenty credit score, but if all you
• 26:40
  Speaker 2: have is a three hundred dollars Capital one card, you're
• 26:43
  Speaker 2: not going to get a ten thousand dollars chase, a
• 26:45
  Speaker 2: ten thousand dollars Amex or even an Amex Platinum because
• 26:48
  Speaker 2: your credit card or your credit report doesn't suffice that.
• 26:52
  Speaker 2: What do you think people usually do to do that? Like,
• 26:55
  Speaker 2: what do they usually buy to get that? Those limits,
• 26:58
  Speaker 2: the trade lines, that's why people get trade lines. Why
• 27:03
  Speaker 2: do you think their credit score goes up the way
• 27:05
  Speaker 2: it does is because the limits the age. Yes, like
• 27:08
  Speaker 2: just like you said, your mom adage is authorized US.
• 27:10
  Speaker 2: You have eighteen nineteen eighty five, so you get the
• 27:12
  Speaker 2: limit and you get the age.
• 27:13
  Speaker 5: Yeah, so your history is my history is like thirty
• 27:15
  Speaker 5: three years.
• 27:16
  Speaker 2: Right, But you can do that with just like you
• 27:18
  Speaker 2: did with a family member, you could do with a
• 27:20
  Speaker 2: family member too. You don't have to buy it, you
• 27:22
  Speaker 2: don't have to get you don't have to buy authorized
• 27:25
  Speaker 2: use a tradeline from someone that you don't know that.
• 27:27
  Speaker 2: So now when that bill comes in, you pay that
• 27:30
  Speaker 2: balance off in full. Now, what's that teaching you that
• 27:32
  Speaker 2: when a balance comes in, you pay it in full?
• 27:35
  Speaker 2: And it's teaching you to not carry a balance? Because
• 27:38
  Speaker 2: the thing is the magic number to maximize your credit score,
• 27:42
  Speaker 2: to have your balances is one percent. So if you
• 27:44
  Speaker 2: have one hundred a thousand dollars credit card, you want
• 27:47
  Speaker 2: to have one percent on there at all times. But
• 27:50
  Speaker 2: you're not at that stage yet.
• 27:51
  Speaker 4: You're not at that stage all right, So you always
• 27:53
  Speaker 4: got to have some level of something on your credit.
• 27:56
  Speaker 2: It depends if you're trying to maximize your credit Like
• 27:59
  Speaker 2: my my wife, I don't like her having that me
• 28:02
  Speaker 2: I have a little bit, But like it depends on
• 28:05
  Speaker 2: your situation. Like if you're really trying to master the
• 28:07
  Speaker 2: credit card game, one percent is the trick. So in
• 28:11
  Speaker 2: that category, there's there's there's thirty, there's one hundred and
• 28:14
  Speaker 2: sixty five points that you get from it right from
• 28:16
  Speaker 2: that pie, right and people say like, oh, thirty ten percent.
• 28:19
  Speaker 2: Whatever the case is. Now, if you're really trying to
• 28:21
  Speaker 2: maximize your credit score, leave it at one percent at
• 28:24
  Speaker 2: all times, then you'll get the full value. But with
• 28:27
  Speaker 2: credit building, we don't want clients to build to leave
• 28:31
  Speaker 2: a balance on that pay it all.
• 28:33
  Speaker 5: I have learned that lesson.
• 28:35
  Speaker 3: Like we told this story before where my mom made
• 28:38
  Speaker 3: me an authorized user for the American Express. So my
• 28:40
  Speaker 3: history goes back to nineteen eighty five, although I was
• 28:42
  Speaker 3: born in nineteen eighty two, and so when I would
• 28:44
  Speaker 3: use it, she'd be like, yo, I need the full payment.
• 28:47
  Speaker 3: I'm like, they don't take partial payments. He was like, no,
• 28:49
  Speaker 3: American Express. So my whole life like up until I
• 28:51
  Speaker 3: was like twenty five, I was like, wait, I know
• 28:53
  Speaker 3: they take partial payments. She was like, no, you got
• 28:55
  Speaker 3: pay in the full every time. So it created that
• 28:57
  Speaker 3: mindset of like, yo, you use.
• 28:59
  Speaker 4: Five hundred pay well, depending on what type of AMEX
• 29:01
  Speaker 4: it is, they don't take partial. Like you have to
• 29:04
  Speaker 4: pay the well, isn't I said?
• 29:06
  Speaker 3: So, Like at twenty five, I started looking at the samement,
• 29:08
  Speaker 3: so I'm like, Mom, she was like she was trying
• 29:10
  Speaker 3: to teach me, like yo, just paying the full, pay
• 29:12
  Speaker 3: in the full, But she was really thinking like yo,
• 29:14
  Speaker 3: I want to keep my credit good because I'm letting
• 29:16
  Speaker 3: you use it right valuable lesson.
• 29:18
  Speaker 2: You know what I mean. So now if you're telling
• 29:20
  Speaker 2: a client now here's the thing. If you give somebody
• 29:22
  Speaker 2: a two hundreds for your credit card, they can use anywhere,
• 29:24
  Speaker 2: and they're starting building credit. What they're gonna do. They're
• 29:26
  Speaker 2: gonna use it anywhere, they're gonna max it out, and
• 29:29
  Speaker 2: they're gonna be like, oh, my credit score is low.
• 29:30
  Speaker 2: Then they can't get ahead. Now they have late payments,
• 29:33
  Speaker 2: they're creditable, and then it's just it creates a cycle
• 29:35
  Speaker 2: again because they were like, yo, man, I'm stuck at
• 29:37
  Speaker 2: seven hundred. I have nothing negative, I pay everything off
• 29:39
  Speaker 2: in full. I'm like, well, what's your highest balance or
• 29:41
  Speaker 2: your highest credit limit.
• 29:42
  Speaker 4: They're like five hundred.
• 29:43
  Speaker 2: All that is a capital one and then ad max
• 29:45
  Speaker 2: with a thousand on it. I'm like, that's why, because
• 29:48
  Speaker 2: your limits don't suffice that higher credit score the data
• 29:52
  Speaker 2: on there.
• 29:53
  Speaker 3: And it actually helps because a lot of times, and
• 29:55
  Speaker 3: this happens, right, you might call the credit card that
• 29:57
  Speaker 3: you have to try to get the increase and they
• 29:59
  Speaker 3: may say no, no, no, we're good.
• 30:01
  Speaker 2: You're good. We've given you what your credit is capable
• 30:05
  Speaker 2: of doing. So now you ask me the inquisse The
• 30:06
  Speaker 2: people always worried about increase. So now the thing is,
• 30:09
  Speaker 2: if you're trying to get an Amex you have a
• 30:11
  Speaker 2: seven hundred, Yeah you'll get approved, but why not try
• 30:14
  Speaker 2: to maximize your approval? If you're trying to get a
• 30:16
  Speaker 2: Chase Sapphire or Chase, Inc. Why not maximize your approval
• 30:20
  Speaker 2: to get the full twenty to thirty five thousand dollars
• 30:22
  Speaker 2: off the rint versus getting a two thousand dollars credit card.
• 30:25
  Speaker 5: I'm having the build it all the way up.
• 30:26
  Speaker 2: That's the difference. So it's like if you get to Chase.
• 30:28
  Speaker 2: If you get to Chase credit card with a seve
• 30:30
  Speaker 2: hundred credit score and only all you have is a
• 30:31
  Speaker 2: thousand dollars limit and they give you ten grand, can
• 30:34
  Speaker 2: you really invest in real estate with that? You really
• 30:37
  Speaker 2: can't the way you want to, you know what I mean.
• 30:40
  Speaker 2: So if you're trying to now invest in real estate,
• 30:42
  Speaker 2: open up a business, do whatever you gotta do, you're
• 30:46
  Speaker 2: just taking that, sitting it on there, leaving it, and
• 30:48
  Speaker 2: that's it.
• 30:48
  Speaker 4: So you do that too, because a large part of
• 30:50
  Speaker 4: your credit score is to determined doing how much credit
• 30:53
  Speaker 4: you have available to you. Correct And you said that
• 30:55
  Speaker 4: kind of point in perspective, I guess I'm a little
• 30:58
  Speaker 4: jad because I had credit for all long time, so
• 31:00
  Speaker 4: I have a higher credit. I got a bunch of
• 31:01
  Speaker 4: credit cards, but you're saying that average person doesn't even
• 31:03
  Speaker 4: have five thousand dollars credit. So then this goes into
• 31:06
  Speaker 4: the business play, right, because when you were saying we're
• 31:08
  Speaker 4: gonna talk about business credit, you were saying that business
• 31:12
  Speaker 4: credit you get a lot more credit off the rip
• 31:15
  Speaker 4: than you will with personal credit. Correct, And that's true too,
• 31:17
  Speaker 4: because it's like I have an AMX personal credit card
• 31:21
  Speaker 4: and then I have an AMX business card that we
• 31:23
  Speaker 4: just opened, and the personal credit I had it for
• 31:26
  Speaker 4: years and I always pay on time, perfect history. I
• 31:29
  Speaker 4: think my limit is like fifteen thousand for that MX card,
• 31:32
  Speaker 4: the business card out the jump, and this is the
• 31:34
  Speaker 4: first business card that we've ever had AMX, even though
• 31:37
  Speaker 4: technically you said it's not fully but we'll explain that.
• 31:40
  Speaker 4: But it's the first business card that we've had AMX,
• 31:42
  Speaker 4: and out the gate it was forty five thousand dollar limit.
• 31:47
  Speaker 4: So that when you when you said that, like that
• 31:51
  Speaker 4: resonated with me because that was like the exact thing,
• 31:54
  Speaker 4: like you know what I mean, Like I don't have
• 31:55
  Speaker 4: one credit card personal side that has forty five thousand
• 31:58
  Speaker 4: dollar limits, right, and I have excellent credit. I have
• 32:00
  Speaker 4: a eight hundred and one credit score. But we went
• 32:03
  Speaker 4: to the business side, and right out the jump it
• 32:05
  Speaker 4: was and it was me using my personal CREDITEP. So
• 32:08
  Speaker 4: it's like they went and give me that on the
• 32:10
  Speaker 4: personal side, but they gave me almost three times without
• 32:14
  Speaker 4: any hassle on the business side. So all right, and
• 32:18
  Speaker 4: you're saying on the business side, once you established that,
• 32:22
  Speaker 4: now it's like I have forty five thousand, you can
• 32:24
  Speaker 4: do some damage and then you can use that to
• 32:27
  Speaker 4: buy real estate.
• 32:28
  Speaker 2: Correct, YEP. It's all like you're using one thing to
• 32:32
  Speaker 2: get this to get that, which is the end goal.
• 32:35
  Speaker 2: You don't need these credit cards. You don't need the
• 32:39
  Speaker 2: business credit card. You need the cash that you're getting
• 32:42
  Speaker 2: from the business credit cards that you can do what
• 32:44
  Speaker 2: you got to do, right, you know what I mean.
• 32:45
  Speaker 3: So I'm thinking in my mind, right, we got a
• 32:47
  Speaker 3: lot of people and it's like, as soon as you
• 32:49
  Speaker 3: get to college, you know, in the reason they sent
• 32:52
  Speaker 3: you those right before you went off, but in college
• 32:54
  Speaker 3: they're giving you credit cards right off the rip. Is
• 32:56
  Speaker 3: this something that young entrepreneurs could actually take advantage of?
• 32:59
  Speaker 2: No, I was say, as soon as you're eighteen. If
• 33:04
  Speaker 2: to let you know, I'm trying to change the way
• 33:06
  Speaker 2: that people think of a credit and start applying for credit.
• 33:09
  Speaker 2: So if parents start adding their kids at sixteen, when
• 33:13
  Speaker 2: they're eighteen, they already have a seven fifty eight hundred.
• 33:16
  Speaker 4: Yeah, talk about that. You know, I saw that on Instagram.
• 33:18
  Speaker 4: You're just like sixteen. Can you explain that?
• 33:20
  Speaker 5: Yep?
• 33:21
  Speaker 2: So, because it kind of goes in hand with your question.
• 33:23
  Speaker 2: So it's like, if you have kids that are under
• 33:26
  Speaker 2: eighteen and at least sixteen, you can add them to
• 33:30
  Speaker 2: your credit card, just like how I think we say
• 33:32
  Speaker 2: your grandmother, right, your mom. Your mom added you to
• 33:34
  Speaker 2: your card and you got all that history. But if
• 33:37
  Speaker 2: she would have added you at sixteen, when you turned eighteen,
• 33:41
  Speaker 2: now you have at least two years of an active
• 33:44
  Speaker 2: credit report. Because this is the thing. Your credit report
• 33:46
  Speaker 2: doesn't exist until something happens on there your credit report.
• 33:50
  Speaker 2: You're eight years old, you don't have a credit report,
• 33:52
  Speaker 2: you know what I mean. So if you're sixteen and
• 33:54
  Speaker 2: your parents add your mom and dad each adds you
• 33:56
  Speaker 2: to a credit card, that should be the birthday. Give hey,
• 33:58
  Speaker 2: let me add you to a credit card. Give it
• 34:00
  Speaker 2: to you start learning how to use it. You know
• 34:04
  Speaker 2: what I mean. Now when you become eighteen, now you
• 34:06
  Speaker 2: can get your own American Express, your own thing. Now
• 34:09
  Speaker 2: you don't need these and what else? Don't you need
• 34:11
  Speaker 2: trade lines? Because what a lot of people the reason
• 34:13
  Speaker 2: once again, I'm going to talk about tradelines a lot.
• 34:16
  Speaker 2: You know what I mean, because people use trade lines
• 34:19
  Speaker 2: because they want the history and the limits. So start
• 34:22
  Speaker 2: at a younger age. So now when you're eighteen, you
• 34:25
  Speaker 2: already know not only those trade lines. I already got
• 34:27
  Speaker 2: my own credit cards. And now you're just starting it
• 34:29
  Speaker 2: to where when you're in college, Now your parents are
• 34:31
  Speaker 2: going to open up an LLC for you, open up
• 34:33
  Speaker 2: this do whatever, and now you can do use your
• 34:36
  Speaker 2: own credit. You don't have to have a co signer
• 34:38
  Speaker 2: for a car, for an apartment, for anything. And now
• 34:42
  Speaker 2: we're changing the trajectory of when people apply, but how
• 34:44
  Speaker 2: they apply and more importantly, why they apply.
• 34:47
  Speaker 3: Their parents be responsible, that's what we want to be
• 34:49
  Speaker 3: responsible with your credit because like you said, this could
• 34:52
  Speaker 3: definitely help your children.
• 34:53
  Speaker 5: Yep.
• 34:54
  Speaker 4: So let me ask you this, all right, so business credit,
• 34:57
  Speaker 4: let's get into this. What are the I know I
• 35:00
  Speaker 4: wrote down some notes so you you have to have
• 35:04
  Speaker 4: a legit business obviously tax id. So explain it different.
• 35:07
  Speaker 4: Can you explain it difference between business credit personal credit?
• 35:11
  Speaker 4: And then I guess there's a hybrid situation like you said,
• 35:14
  Speaker 4: amx is technically is not full business credit because they
• 35:17
  Speaker 4: still use your personal guarantee. So what is the difference
• 35:20
  Speaker 4: between like the AMC situation where you still got to
• 35:23
  Speaker 4: have a personal guarantee and just full fledged business credit.
• 35:26
  Speaker 2: Yep, So you know your personal credit, you use your
• 35:29
  Speaker 2: social right sociecurity number. When you start a business, you
• 35:34
  Speaker 2: get you know, whether it's an LLC, a C, corp escort,
• 35:37
  Speaker 2: whatever the case is. You start a business and you
• 35:39
  Speaker 2: get your tax id. Now you're actually a business. And
• 35:42
  Speaker 2: I want people to understand that because a lot of
• 35:44
  Speaker 2: people think when they have a sober partnership but they
• 35:46
  Speaker 2: have a business, they really don't because you're still using
• 35:48
  Speaker 2: your social So you have to get a tax id
• 35:51
  Speaker 2: and once you start building business credit, depending on what
• 35:56
  Speaker 2: you're going for, you're gonna have to use your personal credit. Right,
• 36:00
  Speaker 2: So there's a difference between co signing and personal guarantee,
• 36:03
  Speaker 2: which you guys spoke about before. You know, if you're
• 36:06
  Speaker 2: personal guaranteeing something, you're using that to kind of like
• 36:09
  Speaker 2: get approved for it. Right, So, with a personal guarantee
• 36:12
  Speaker 2: and an American Express credit card, for instance, unless you're
• 36:16
  Speaker 2: like a major corporation like Facebook, Walmart, whatever the case is,
• 36:19
  Speaker 2: you're not getting American Express without using your social even
• 36:23
  Speaker 2: though you have your tax id too. Now you're using
• 36:26
  Speaker 2: your personal credit as leverage to ultimately get that American
• 36:29
  Speaker 2: Express to Chase and everything else. So the reason why
• 36:32
  Speaker 2: I say it's not true business credit, even though it
• 36:35
  Speaker 2: does report to experience business, is that you still got
• 36:38
  Speaker 2: to use your personal credit for it, which is not bad.
• 36:41
  Speaker 2: But in the event that you default, like you don't
• 36:43
  Speaker 2: pay it and it gets charged off, now it gets
• 36:46
  Speaker 2: reported to your personal credit.
• 36:48
  Speaker 5: If you fault on the business card, it goes back
• 36:49
  Speaker 5: to Yeah.
• 36:50
  Speaker 2: So if you have an American Express and you don't
• 36:52
  Speaker 2: pay it first on the amount of time and it
• 36:53
  Speaker 2: gets charged off, now that business credit card is not
• 36:56
  Speaker 2: going to show up as a late payment. It's going
• 36:58
  Speaker 2: to go straight to cheof status. And now you're going
• 37:01
  Speaker 2: to go from having a seven hundred twenty credit score
• 37:04
  Speaker 2: to now having a twenty thirty thousand dollars charge off
• 37:07
  Speaker 2: American Express credit card from the business and to get
• 37:10
  Speaker 2: that off, you gotta you know, you gotta pay it,
• 37:12
  Speaker 2: you know what I mean. You don't want to evade
• 37:13
  Speaker 2: that debt because now it's tied to your business. You
• 37:16
  Speaker 2: know what I mean. To get a true business credit
• 37:18
  Speaker 2: card or anything with business credit is by not having
• 37:21
  Speaker 2: to use your social and just by using your tax
• 37:25
  Speaker 2: id and maybe you're done in Bradstreet, which I know
• 37:28
  Speaker 2: we're going to we're gonna cover, you know what I mean.
• 37:30
  Speaker 2: So that's true business credit is not using your your
• 37:33
  Speaker 2: Social Security number, your date of birth, your name, anything,
• 37:36
  Speaker 2: and all you're using is got credit, your tax ID,
• 37:39
  Speaker 2: your EI in I mean, your your address, business you know,
• 37:42
  Speaker 2: business email, business phone number, and that's it, you know
• 37:45
  Speaker 2: what I mean. That's the true business credit. But when
• 37:47
  Speaker 2: American Expressed would chase you know, those credit cards, you're
• 37:51
  Speaker 2: still gonna have to use it, even though it's still
• 37:53
  Speaker 2: going to report to your business credit.
• 37:55
  Speaker 5: Gotcha? Gotcha? So you spoke about DMB.
• 37:58
  Speaker 3: Can you explain what it is, why it's so important,
• 38:01
  Speaker 3: and why people, especially in business. This episode is brought
• 38:05
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  Speaker 7: An illegal alien from Guatemala charged with raping a child
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• 40:51
  Speaker 3: Be protected sponsored by the United States Department of Homeland Security.
• 40:54
  Speaker 2: Because to know that number, yep, so, dun and Bradstreet
• 40:58
  Speaker 2: is another like I guess you can say social so
• 41:02
  Speaker 2: notice for personal credit, all you have is one for
• 41:05
  Speaker 2: business credit. There's like multiple things you got to do
• 41:07
  Speaker 2: to establish business credit. It's not easy. So Done In
• 41:10
  Speaker 2: Bradstreet is kind of like the biggest business credit reporting
• 41:14
  Speaker 2: agency out there. And if you're trying to get like
• 41:16
  Speaker 2: a car, if you're trying to get like net thirty accounts,
• 41:19
  Speaker 2: if you're trying to get things like American Express, they
• 41:21
  Speaker 2: all check Done in Bradstreet and they give you what's
• 41:23
  Speaker 2: called a Dun's number. So if you want to just
• 41:26
  Speaker 2: create a Dune's number, you just go to dune In
• 41:29
  Speaker 2: Brasstree's website. It's free, doesn't cost you anything. You shouldn't
• 41:33
  Speaker 2: be paying anybody to get you a done In Bradstreet number.
• 41:36
  Speaker 2: It's free. So now what it is is people will
• 41:40
  Speaker 2: report what you're doing to Done in Bradstreet because they
• 41:43
  Speaker 2: have to house that information somewhere. So that way, if
• 41:46
  Speaker 2: you want to get a car, if you want to
• 41:47
  Speaker 2: get something in the future and eventually not use a
• 41:50
  Speaker 2: personal guarantee, that's what they're gonna check. You're Done in
• 41:53
  Speaker 2: Brasstreet credit report, you know what I mean.
• 41:55
  Speaker 5: So they're logging the data, right, They're.
• 41:57
  Speaker 2: Logging the data. So it's like, now you're American Press
• 42:00
  Speaker 2: is not being reported to Done in Brasstreet. That is
• 42:03
  Speaker 2: being reported to Experience Business. So it's you know, there's
• 42:05
  Speaker 2: the Equifax Business, Experience Business, and Done in Bradstreet. Just
• 42:10
  Speaker 2: like how with the three there's Experience, TransUnion and Equifax.
• 42:13
  Speaker 2: So there's three with this one, and there's even more,
• 42:15
  Speaker 2: but those are the main three, you know what I mean.
• 42:17
  Speaker 2: So now with Done in brass Street, now you're also
• 42:19
  Speaker 2: given a number that now when you apply for something
• 42:22
  Speaker 2: on a business credit put they're like, what she's Done's number,
• 42:24
  Speaker 2: And a lot of people don't know that, like what
• 42:26
  Speaker 2: are you even talking about? So now they're going to
• 42:28
  Speaker 2: dune in brass U's number. They got to buy one
• 42:30
  Speaker 2: and then they try to sell them this crazy software
• 42:32
  Speaker 2: and it's crazy monitoring and they don't need that, you
• 42:34
  Speaker 2: know what I mean. So eventually, once you start building
• 42:36
  Speaker 2: business credit, all you got to apply for is with
• 42:38
  Speaker 2: your business name, your tax ID, and you're done in
• 42:43
  Speaker 2: Bradstreet and it doesn't get reported anywhere God forbid you
• 42:46
  Speaker 2: default on it. You're protecting your personal credit.
• 42:49
  Speaker 4: So if I want to get a business credit card
• 42:51
  Speaker 4: without personally guarantee, where would I go to for that?
• 42:55
  Speaker 2: So it depends on what type of business credit card
• 42:57
  Speaker 2: you're trying to get because a lot of especially if
• 43:00
  Speaker 2: you're in business under two years, you're not gonna get
• 43:03
  Speaker 2: it because you haven't built history. So personal guarantee, right,
• 43:07
  Speaker 2: there might be some out you know, there's like you know,
• 43:09
  Speaker 2: once you start building revenue and you start you can
• 43:12
  Speaker 2: show tax returns and you can show why these like
• 43:14
  Speaker 2: there's some local credit you needs that you can get
• 43:17
  Speaker 2: a business credit card without it, and then there's also
• 43:20
  Speaker 2: like some other business like like a gas card. Right,
• 43:23
  Speaker 2: So this is one of the things that we tell
• 43:24
  Speaker 2: people is a gas card actually has a lot of
• 43:27
  Speaker 2: value in it because you can get an American I mean,
• 43:30
  Speaker 2: a visa or a MasterCard business credit card that you
• 43:34
  Speaker 2: don't have to put your social on it, you know
• 43:36
  Speaker 2: what I mean. And those Visa master Card business credit
• 43:39
  Speaker 2: cards are powerful because yeah, it's tied to a gas station,
• 43:42
  Speaker 2: but it's a Visa mass card. So now what you're
• 43:43
  Speaker 2: doing is you're building your Visa master Card business credit,
• 43:48
  Speaker 2: so that way you could eventually get a credit card
• 43:50
  Speaker 2: without it.
• 43:51
  Speaker 5: A wise woman spoke to us about gas cards.
• 43:54
  Speaker 2: Business gas cards are the hidden secret of business credit.
• 43:59
  Speaker 2: The hidden secret.
• 44:00
  Speaker 4: Nav dot com yep, what's.
• 44:02
  Speaker 2: That lovenap dot com, So nab dot com, you have
• 44:05
  Speaker 2: credit Karma, or you have credit check Total, you have
• 44:09
  Speaker 2: what's the other one? My fi goo Right, those are
• 44:12
  Speaker 2: credit monitoring sites for your personal credit. Nav nav dot
• 44:17
  Speaker 2: com monitors your business, so it houses all three your Equifax, business,
• 44:22
  Speaker 2: your Experience business, and you're done in Bradstreet, all in
• 44:26
  Speaker 2: one place. It's like thirty dollars a month. And the
• 44:28
  Speaker 2: great thing about nav dot com is once you make
• 44:30
  Speaker 2: your payment, they report it to the business credit bureaus
• 44:34
  Speaker 2: right way, right away. So now as you're paying for
• 44:37
  Speaker 2: credit monitoring, you're also building your credit, your business credit.
• 44:40
  Speaker 2: So it's pretty cool because it's a you know, I
• 44:42
  Speaker 2: would sh they did that for personal credit. So imagine
• 44:45
  Speaker 2: you're paying for credit monitoring and it being reported as
• 44:48
  Speaker 2: an on time payment. That's what NAB dot com does,
• 44:51
  Speaker 2: and nod dot com has a lot of educational tools
• 44:53
  Speaker 2: on there. It talks about business credit lines of credit
• 44:56
  Speaker 2: funding and it educates and we tell all of our
• 44:59
  Speaker 2: clients they have to enroll in that dot com when
• 45:01
  Speaker 2: they come in our business credit program because it's a
• 45:04
  Speaker 2: great tool to have to help us educate our clients
• 45:07
  Speaker 2: on business credit.
• 45:07
  Speaker 3: So we had some ways to increase the credit limit
• 45:10
  Speaker 3: for personal is there a ways also to increase our business.
• 45:14
  Speaker 2: Limit, same way, same exact thing, the same way. And
• 45:17
  Speaker 2: if you have higher limits on the personal side, when
• 45:20
  Speaker 2: you come in, you're going to start off at the
• 45:23
  Speaker 2: forty five thousand, the thirty thousands. So now when you're
• 45:25
  Speaker 2: getting the limit increased six to eight months later, which
• 45:28
  Speaker 2: we recommend, now you're getting anywhere to now they're gonna say,
• 45:32
  Speaker 2: all right, miss the customer, we're going to put you
• 45:33
  Speaker 2: at fifty thousand, sixty thousand, one hundred thousand. So imagine
• 45:37
  Speaker 2: you starting off with three credit cards at forty five thousand.
• 45:41
  Speaker 2: In three years, each of those credit cards should be
• 45:43
  Speaker 2: sixty to eighty you know what I mean? And then
• 45:46
  Speaker 2: now you just you just compounding and you're just multiplying
• 45:48
  Speaker 2: your limits.
• 45:49
  Speaker 5: So correct me if I'm wrong.
• 45:51
  Speaker 3: If we let's say we have a business credit card,
• 45:53
  Speaker 3: the more we spend, the more we pay off, can
• 45:55
  Speaker 3: we then before the six eight months ask for the increase?
• 45:58
  Speaker 5: So should we just wait?
• 45:59
  Speaker 2: If it's a new If it's a new credit card,
• 46:01
  Speaker 2: that's usually like the average time frame. That's why I
• 46:04
  Speaker 2: tell people to wait six to eight months, use it
• 46:06
  Speaker 2: paid off, use it paid off, use it paid off,
• 46:08
  Speaker 2: and then you'll get used to every six to eight
• 46:10
  Speaker 2: months acting for limiting increase. So that way you never
• 46:13
  Speaker 2: stay at that fifteen forty five thousand. You're growing because
• 46:17
  Speaker 2: what as your business grows, so does your expenses. So
• 46:20
  Speaker 2: eventually a forty five thousand dollar credit card might not
• 46:22
  Speaker 2: be enough. Eventually three forty five thousand dollars credit cards
• 46:25
  Speaker 2: might not be able to know what I need three
• 46:27
  Speaker 2: hundred thousand. And that's how you keep building. You keep building,
• 46:30
  Speaker 2: you keep building, and keep getting credit limited creases.
• 46:32
  Speaker 4: So for the business, credit is equal. Facts done in
• 46:38
  Speaker 4: Bradstreet and experience, not TransUnion. Huh TransUnion is only for
• 46:44
  Speaker 4: personal credit personal credit, correct, So, and it's the same
• 46:46
  Speaker 4: theory though where they take those three score it's like
• 46:49
  Speaker 4: an aggregate of those three scores, just like on the
• 46:51
  Speaker 4: personal side.
• 46:52
  Speaker 2: Great question. No, so it depends on and you notice
• 46:55
  Speaker 2: a lot of the times I'm replying to you, I'm
• 46:57
  Speaker 2: saying it depends because it really does depend on assists situation.
• 47:00
  Speaker 2: Because if you're applying for like a vehicle, they might
• 47:03
  Speaker 2: only check Echofacts, they might only check experience. You know,
• 47:07
  Speaker 2: you can get a net thirty account just by checking
• 47:09
  Speaker 2: done in Brasstreet, you know what I mean. So the
• 47:11
  Speaker 2: great thing that I always tell people is when you're
• 47:13
  Speaker 2: applying for business credit, if we don't already know who
• 47:15
  Speaker 2: you're applying with, ask them say, hey, I see you
• 47:18
  Speaker 2: have a business application on your website. Who do you check?
• 47:21
  Speaker 2: What business credit reporting service do you have? Or what
• 47:24
  Speaker 2: business credit credit report do you check when you're approving me,
• 47:28
  Speaker 2: Because now they might just say, we check experience, we
• 47:31
  Speaker 2: check done in brass we check eqofacts. And that's good
• 47:33
  Speaker 2: to know because it's very rare that when you apply
• 47:36
  Speaker 2: for a business credit that they check all three. It's very,
• 47:39
  Speaker 2: very very rare. Equofax is the least used. Done in
• 47:42
  Speaker 2: brass is obviously the most inexperienced A second, you know
• 47:45
  Speaker 2: what I mean. So, but this is the thing. If
• 47:47
  Speaker 2: you don't have your experience in order or you're done
• 47:49
  Speaker 2: in brass three set up, you can't get it. And
• 47:52
  Speaker 2: then you're gonna wonder why why did I get the
• 47:54
  Speaker 2: client for this account? It's because you don't have dune
• 47:57
  Speaker 2: and brass here, and they're not gonna tell you why
• 47:58
  Speaker 2: you would deny.
• 47:59
  Speaker 5: This is all place like. All you have to do
• 48:00
  Speaker 5: is get on the phone call and ask it.
• 48:02
  Speaker 4: So you gotta do this.
• 48:03
  Speaker 5: Guy's a change.
• 48:06
  Speaker 4: What's NET thirty?
• 48:07
  Speaker 2: So a NET thirty account is pretty much how your
• 48:11
  Speaker 2: your mom was teaching you about the American Express. So
• 48:14
  Speaker 2: you already had that mindset and that already that mentality
• 48:17
  Speaker 2: that when something comes in, it has to be paid
• 48:19
  Speaker 2: within thirty days. So that way is no laid payment,
• 48:22
  Speaker 2: and that's what net thirty is. And NET thirty means
• 48:24
  Speaker 2: that when you get your bill, it has to be
• 48:25
  Speaker 2: paid within thirty days. Sometimes they'll give you a NET
• 48:28
  Speaker 2: ten to start off, or NET twenty, but anything with
• 48:31
  Speaker 2: net in front of it just means that the terms
• 48:33
  Speaker 2: that you have of when your credit card has to
• 48:34
  Speaker 2: be paid off or that account that you apply for.
• 48:37
  Speaker 2: Sometimes they'll give you NET sixty, you know net thirty,
• 48:39
  Speaker 2: But net thirty means if I you know you line
• 48:42
  Speaker 2: dot com, we love them. You can buy products, shipping stuff,
• 48:45
  Speaker 2: whatever the case is. And when you get something from them,
• 48:48
  Speaker 2: you have thirty days to pay it off. And when
• 48:50
  Speaker 2: you pay it off, now they're going to report your
• 48:52
  Speaker 2: payment is on time. Once you go that thirty days.
• 48:54
  Speaker 2: It's like the same thing with a credit card, they're
• 48:56
  Speaker 2: going to report you thirty one I mean in personal
• 48:58
  Speaker 2: credit thirty one days pass, do thirty two days past
• 49:00
  Speaker 2: and that's it.
• 49:01
  Speaker 5: So it becomes a negative item.
• 49:02
  Speaker 4: Correct.
• 49:02
  Speaker 3: So like on the personal side and the ben's side,
• 49:04
  Speaker 3: if we get negative items, obviously you got to pay it.
• 49:07
  Speaker 3: But are there ways to or maneuver as we can
• 49:10
  Speaker 3: do to help clean it or you?
• 49:11
  Speaker 5: Yeah, so let's talk about that.
• 49:14
  Speaker 2: So Dune in Bradstreet, right when you when you register
• 49:17
  Speaker 2: for your DMB number or your Dune's number, I mean
• 49:19
  Speaker 2: you get access to their website. It's free. You hear
• 49:22
  Speaker 2: it from me, Do not pay dun in Brasstreet anything
• 49:25
  Speaker 2: because you're going to pay nab dot com to monitor it.
• 49:28
  Speaker 2: But dun and Bradstreet gives you like a little portal,
• 49:31
  Speaker 2: right where you can go in and change like your name,
• 49:34
  Speaker 2: change your address, change everything. And if there's information on
• 49:38
  Speaker 2: your dune in Bradstreet that says you had a late payment,
• 49:40
  Speaker 2: all you gotta do is click it, say paid in terms,
• 49:43
  Speaker 2: and they'll delete it. And I'm telling you that easy
• 49:46
  Speaker 2: is because in credit repair, like in the personal credit side,
• 49:49
  Speaker 2: let me break it down. You have the Fair Credit
• 49:51
  Speaker 2: Reporting Act, right, you have the Fair Credit Billing Act,
• 49:55
  Speaker 2: the Truth in Lending Act, the Credit Repair Organizations that
• 49:58
  Speaker 2: you have all these things that govern the credit repair right.
• 50:00
  Speaker 2: And business credit you don't have that. So it's like
• 50:03
  Speaker 2: when you want to dispute something on your business credit report,
• 50:06
  Speaker 2: it's easy. But that's also why when you get declined
• 50:10
  Speaker 2: for business credit, they don't also tell you it's not regulated. Notice,
• 50:13
  Speaker 2: when you apply for a personal credit card, they say
• 50:15
  Speaker 2: you're declined because your credit score is seven. You know,
• 50:17
  Speaker 2: six eighty, you have negative items, you have too many inquiries,
• 50:20
  Speaker 2: high balances. They tell you why you would decline business credit,
• 50:24
  Speaker 2: don't tell you that. But you could also use that
• 50:26
  Speaker 2: to your advantage. Because now when you go on done
• 50:28
  Speaker 2: in brad Street and you go on there and you
• 50:30
  Speaker 2: fix the information and it says you have things that
• 50:32
  Speaker 2: are paid out of terms, which is which is lowering.
• 50:36
  Speaker 2: You know, you have your paydex scorer. With done in Brasstreet,
• 50:38
  Speaker 2: it goes from zero to one hundred, whereas your personal
• 50:40
  Speaker 2: credit goes from three hundred to eighty fifty. You're done
• 50:43
  Speaker 2: in Brassrod, you're done. Your paydex score goes from zero
• 50:46
  Speaker 2: to one hundred. So now if you have a seventy,
• 50:48
  Speaker 2: it could be because you pay something late. So all
• 50:51
  Speaker 2: you got to do is go on dm B. You know,
• 50:53
  Speaker 2: your your profile said pay with in terms and it'll
• 50:57
  Speaker 2: come off for like within a few days. So it's
• 50:59
  Speaker 2: business credit repair or business quarter repair is very very simple,
• 51:02
  Speaker 2: very easy, and that's what we teach our clients is
• 51:04
  Speaker 2: how to do that on your own because there's people
• 51:07
  Speaker 2: out there, you know, taking through the ringer with that
• 51:09
  Speaker 2: and you could just do it on yourself. It takes
• 51:11
  Speaker 2: five minutes to do it.
• 51:12
  Speaker 5: Yeah, I mean learn something new.
• 51:15
  Speaker 4: So you were saying you shouldn't use your home address
• 51:18
  Speaker 4: or your or your personal phone number, Nope, why not?
• 51:21
  Speaker 2: So if you're a true business, right, think about it?
• 51:25
  Speaker 2: Do you want to expose your personal information? If you're
• 51:27
  Speaker 2: if you're setting up a business and you're you know
• 51:29
  Speaker 2: you're you're usually set up a business, so you don't
• 51:31
  Speaker 2: have to use your social your data birth So it's like,
• 51:33
  Speaker 2: why are you not putting your home address on there?
• 51:36
  Speaker 2: What you want to do is you want to get
• 51:38
  Speaker 2: like a virtual office. Have you guys ever heard of Regis? Yeah,
• 51:41
  Speaker 2: I was gonna say Regis Regius fifty bucks a month.
• 51:45
  Speaker 2: Now if like me, when I created my LLC, I
• 51:47
  Speaker 2: had my home address on there. Once I got my
• 51:49
  Speaker 2: virtual office, I just changed the address on the state
• 51:52
  Speaker 2: website and with the EI N and that's it. The
• 51:54
  Speaker 2: thing is, I used to have clients open my house
• 51:57
  Speaker 2: because it's public record. And when you put your web
• 52:00
  Speaker 2: side up and we put every thing up. If you
• 52:01
  Speaker 2: don't have a virtual office or a business office, you're
• 52:03
  Speaker 2: using your personal address for everything, and you don't want
• 52:06
  Speaker 2: business clients showing up to your house. You also don't
• 52:09
  Speaker 2: want your personal address out there. What if you start
• 52:13
  Speaker 2: investing in your real estate and now you build it
• 52:14
  Speaker 2: up to a five ten dollars portfolio and your personal
• 52:17
  Speaker 2: dress is all out there. You don't want that, you
• 52:19
  Speaker 2: know what I mean? So keep everything separate. Use a
• 52:21
  Speaker 2: virtual office, and I guess it's very cheap. We use
• 52:24
  Speaker 2: one because I work from home. Fifty dollars a month
• 52:27
  Speaker 2: and that's it.
• 52:28
  Speaker 5: You also said, uh, register at four to one one.
• 52:31
  Speaker 4: Yep.
• 52:31
  Speaker 5: I was like, huh, last time irried about that was
• 52:33
  Speaker 5: Mary Jack. Yep, you telling me what?
• 52:35
  Speaker 2: So four one one is? You know, like the White
• 52:37
  Speaker 2: Pages online where they pretty much house businesses in their
• 52:40
  Speaker 2: list businesses. You could list yourself for free, and I
• 52:43
  Speaker 2: actually think the website is called list Yourself for Free
• 52:46
  Speaker 2: dot com or just Google four one one listing. But
• 52:49
  Speaker 2: you need a business number for that. Okay, you need
• 52:52
  Speaker 2: a business owner. You can't use your cell phone for that.
• 52:54
  Speaker 5: Is that the ring Central thing?
• 52:56
  Speaker 2: Yep? We tell people use ring Central, you know, instead
• 52:59
  Speaker 2: of using yourself phone and getting another Sprint account on
• 53:02
  Speaker 2: another Verizon and having two phones, all you got to
• 53:05
  Speaker 2: do is get ring Central for your business and it
• 53:08
  Speaker 2: gets registered like a true business number. So the biggest
• 53:11
  Speaker 2: thing about business credit is building credibility. Right, So imagine
• 53:15
  Speaker 2: if you're a pizzeria and you have your home address
• 53:18
  Speaker 2: and a cell phone as the main number, are you
• 53:20
  Speaker 2: going to have credibility there if somebody can lend you
• 53:22
  Speaker 2: money to like, oh, this guylands a pizzeria, but you
• 53:24
  Speaker 2: know what I mean. So this think of the same
• 53:26
  Speaker 2: thing with you trying to get an American Express credit card.
• 53:29
  Speaker 2: If you're an American Express and somebody has their home
• 53:32
  Speaker 2: address for everything and their personal sale, their personal email,
• 53:35
  Speaker 2: it's all about credibility. They're like, I don't want to
• 53:37
  Speaker 2: take a risk. I don't care if they have an
• 53:38
  Speaker 2: eight hundred credit score they're using their house for it,
• 53:41
  Speaker 2: then they're not a legit business. And I have a
• 53:43
  Speaker 2: cousin that works at Chase and she says, all the
• 53:46
  Speaker 2: time people apply with their house and with a PO box,
• 53:49
  Speaker 2: and that gets them decline off the rip because it's
• 53:51
  Speaker 2: a risk. It's a risk factor. So don't use a
• 53:54
  Speaker 2: home address, don't use a PO box, don't use a
• 53:56
  Speaker 2: USPS PO box. Use a home a business addressed, and
• 54:01
  Speaker 2: a business phone number like Ring Central, Vondage. Don't use
• 54:04
  Speaker 2: Google Voice, you know what I mean. Because these companies
• 54:06
  Speaker 2: catch on to it. They know if it's a true
• 54:08
  Speaker 2: business number or not.
• 54:10
  Speaker 4: You know what I mean.
• 54:10
  Speaker 2: And that's why you want to use it, Because it's
• 54:12
  Speaker 2: really just building credibility. So now when that company looks
• 54:15
  Speaker 2: up your business, they see you're on four O one,
• 54:17
  Speaker 2: you have done a Bradstreet. You have this. You look
• 54:20
  Speaker 2: like a real business. Doesn't matter. You might have zero
• 54:23
  Speaker 2: thousand revenue, but when they google you, you look like a
• 54:25
  Speaker 2: big corporation.
• 54:26
  Speaker 5: You look the part.
• 54:27
  Speaker 2: Right.
• 54:28
  Speaker 4: We talked about a miss business shops leasing a car
• 54:32
  Speaker 4: or buying a car in your company name, but a
• 54:34
  Speaker 4: lot of people don't know you can actually do the
• 54:36
  Speaker 4: same thing with like housing, like an apartment, You can
• 54:38
  Speaker 4: get an apartment in a company name too.
• 54:39
  Speaker 2: Yep.
• 54:40
  Speaker 4: And it's the same like a formal application, right, correct
• 54:43
  Speaker 4: me if I'm wrong, But you fill out your you're
• 54:46
  Speaker 4: done in Bradstreet number, you're done's number, and it's just
• 54:51
  Speaker 4: like the say, like you can put it in the
• 54:52
  Speaker 4: company name.
• 54:53
  Speaker 2: Right, So when you put in the company name, a
• 54:55
  Speaker 2: lot of the times depending on what you're doing, like
• 54:57
  Speaker 2: if you're buying and holding the obviously the and he's
• 55:00
  Speaker 2: gonna do that. But like if you're doing it to
• 55:02
  Speaker 2: like do a rental property, you just kind of like
• 55:04
  Speaker 2: replicate the process. You can put it in the business name.
• 55:07
  Speaker 2: And now when when it comes to you having a property,
• 55:11
  Speaker 2: it's not on your personal credit, and that's the trick.
• 55:14
  Speaker 2: Like I have a friend of mine he's topped out.
• 55:16
  Speaker 2: He has ten houses on his personal credit. Nobody will
• 55:20
  Speaker 2: touch them because he put all the houses in his
• 55:22
  Speaker 2: personal credit. Instead, he should have opened up an LLC
• 55:25
  Speaker 2: for each one one to three Main Street, you know,
• 55:27
  Speaker 2: two forty five Main Street and put those business though
• 55:30
  Speaker 2: houses on there through the LLC instead of putting it
• 55:35
  Speaker 2: on his personal credit.
• 55:36
  Speaker 4: You think you should have a put you should have
• 55:37
  Speaker 4: a buy a house and personal name, even if it's
• 55:40
  Speaker 4: your personal house, because some people say you should never
• 55:41
  Speaker 4: buy a house in personally.
• 55:42
  Speaker 5: I know.
• 55:42
  Speaker 2: I wish I would have known that trick a long
• 55:44
  Speaker 2: time ago, and that's what I'm in the process of
• 55:46
  Speaker 2: doing too. I guess it just depends, like if you
• 55:48
  Speaker 2: don't ever plan on it. Some people just like don't
• 55:50
  Speaker 2: want to be a real estate investors. They're like, yo,
• 55:52
  Speaker 2: I don't want to do it, Like I just want
• 55:53
  Speaker 2: to buy my house, live, work, nine to five and
• 55:56
  Speaker 2: that's it, you know what I mean. But if you're
• 55:57
  Speaker 2: really trying to get into the real estate game, then no,
• 55:59
  Speaker 2: you don't have to. But I know people that still
• 56:02
  Speaker 2: do even though they are in their real estate game.
• 56:04
  Speaker 2: So it really just depends that that's the route that
• 56:05
  Speaker 2: you want to take, because then you got to like
• 56:07
  Speaker 2: create a least agreement, you got at least to yourself.
• 56:09
  Speaker 2: You know, there's a lot of things that come in
• 56:11
  Speaker 2: with that too.
• 56:12
  Speaker 4: I mean, I had a question about the personal side
• 56:15
  Speaker 4: student loan. That's a big, big thing. So are any tips,
• 56:20
  Speaker 4: any hacks yep, to help people that might have made
• 56:22
  Speaker 4: some you know, late payments or whatever and it's affected
• 56:26
  Speaker 4: their credit do a loan situation. Yeah.
• 56:28
  Speaker 2: So student loans is a website. It's called student Loans
• 56:31
  Speaker 2: dot gov dot gov. And you notice a lot of
• 56:35
  Speaker 2: things I'm saying, I'm telling you can do for free
• 56:37
  Speaker 2: because a lot of things out there you can still
• 56:38
  Speaker 2: do for free, you know what I mean. So student
• 56:41
  Speaker 2: Loans dot Gov allows you to take your student loans
• 56:45
  Speaker 2: and refinance them into one. So you saw Max posted that.
• 56:48
  Speaker 2: He said, IBr it's an income based rate.
• 56:50
  Speaker 5: Right.
• 56:51
  Speaker 2: So what a lot of people do is they graduate
• 56:53
  Speaker 2: high school, they graduate college. They have once one. I
• 56:57
  Speaker 2: never went to college, so correct me if I'm wrong.
• 56:58
  Speaker 2: I'm not sure, go online, you know what I mean.
• 57:01
  Speaker 2: So it's like you have each semester, you get a
• 57:04
  Speaker 2: student loan. So even though when you graduate you're making
• 57:07
  Speaker 2: one payment, you have ten loans, fifteen loans sometimes, you
• 57:11
  Speaker 2: know what I mean. So, if you are looking to
• 57:15
  Speaker 2: better your credit by having student loans in default because
• 57:19
  Speaker 2: you had too many student loans at one time and
• 57:21
  Speaker 2: now you just couldn't keep up with the payments, student
• 57:23
  Speaker 2: loans dot gov allows you to refinance and consolidate your
• 57:26
  Speaker 2: student loans, get it out of bad standing, put it
• 57:29
  Speaker 2: in good standing, and now that's going to help raise
• 57:31
  Speaker 2: your credit score because now you have an on time
• 57:34
  Speaker 2: payment with your student loans. And now that you know,
• 57:36
  Speaker 2: when you fill your TAXI turns, they're not taking your money,
• 57:38
  Speaker 2: you know what I mean. And it's just good standing.
• 57:40
  Speaker 2: So IBr is when they're putting it based off of
• 57:43
  Speaker 2: your income. A lot of people when they graduate college,
• 57:46
  Speaker 2: they go, what's going on a standard payment plan? And
• 57:49
  Speaker 2: that's not good because you can be paying seven hundreds
• 57:52
  Speaker 2: a month.
• 57:52
  Speaker 3: Well, I was seen some one of my friends is
• 57:54
  Speaker 3: playing twelve hundred right, and so now so she's like, yo,
• 57:56
  Speaker 3: that's rent or a student loan, right.
• 57:58
  Speaker 2: You know what I mean? And people look at it like, yo,
• 58:01
  Speaker 2: I graduated college I'm only making twenty five thirty thousand
• 58:04
  Speaker 2: dollars a year, but my student loans at X y
• 58:06
  Speaker 2: z a month, I can't afford it. So the natural
• 58:09
  Speaker 2: they like, I'm not paying it. So instead of doing that,
• 58:12
  Speaker 2: what you want to do is you can refinance it
• 58:15
  Speaker 2: right away, consolidate it and put all those loans into one.
• 58:18
  Speaker 2: Protect your credit because now if it goes off of
• 58:21
  Speaker 2: your income, they can see, okay, well this person's not
• 58:23
  Speaker 2: making enough money to suffice it based off of their income.
• 58:27
  Speaker 2: They're going to put you out a zero payment. Now
• 58:29
  Speaker 2: you're protecting your credit. And all you got to do
• 58:31
  Speaker 2: is every year show your taxi turn and they keep
• 58:33
  Speaker 2: you at that zero gallopement.
• 58:35
  Speaker 5: Income based repayment.
• 58:36
  Speaker 2: Yep, well about that, you know what I mean. So
• 58:39
  Speaker 2: it's good because now when you're going to buy a house,
• 58:42
  Speaker 2: your credit is not dinged up from your student loans,
• 58:44
  Speaker 2: you know what I mean. And the last thing on
• 58:46
  Speaker 2: that is is there's something if you're in default. So
• 58:49
  Speaker 2: there's there's you know, you have student loans in good standing,
• 58:52
  Speaker 2: in collections and default. So if you're in default, you
• 58:55
  Speaker 2: can't consolidate because you've messed it up too much. You
• 58:58
  Speaker 2: went too long without paying. You have to do it
• 59:00
  Speaker 2: called the rehabilitation program for nine months where you pay
• 59:03
  Speaker 2: at least like five to ten thousand a month, and
• 59:06
  Speaker 2: then you get out of that negative standing. Then you
• 59:08
  Speaker 2: can consolidate. But the great thing is once you do rehab,
• 59:10
  Speaker 2: they automatically delete all that negative all the negative state
• 59:13
  Speaker 2: the loan from your caredit soon.
• 59:14
  Speaker 5: Loan is tricky. You got private, you got federal. It's tricky.
• 59:17
  Speaker 4: It's crazy.
• 59:17
  Speaker 3: I got a question about on the personal side as well.
• 59:20
  Speaker 3: Is it ever a good time to close a card?
• 59:22
  Speaker 2: Yes?
• 59:23
  Speaker 5: Wait, because most.
• 59:24
  Speaker 3: Times, yeah, most sounds we hear like yo, don't close
• 59:26
  Speaker 3: the card. It's going to affect you negatively. And so
• 59:28
  Speaker 3: people even though they you know, like they've probably charged
• 59:31
  Speaker 3: it up and paid it down to a point that
• 59:32
  Speaker 3: like I'm done with this, I want to close it.
• 59:34
  Speaker 3: And the advice is.
• 59:35
  Speaker 5: Don't close the card because you need to have open
• 59:37
  Speaker 5: credit YEP.
• 59:38
  Speaker 2: So it depends on what type of card it is.
• 59:40
  Speaker 2: If you have an American Express card, don't close Chase.
• 59:43
  Speaker 2: You know, a good credit card, don't close it even
• 59:46
  Speaker 2: if there's an annual fee, because you're getting the rewards
• 59:50
  Speaker 2: and it makes sense to have a Chase, Bank of
• 59:52
  Speaker 2: America P and C those type credit cards. The only
• 59:56
  Speaker 2: time I advise people to close a card is if
• 59:58
  Speaker 2: it's those like First Premiere Credit One, Milestone CB, Indigo.
• 1:00:03
  Speaker 2: Have you seen those cards?
• 1:00:04
  Speaker 7: No?
• 1:00:05
  Speaker 2: So these credit cards are like those credit cards where
• 1:00:07
  Speaker 2: when you were in college or like when you're just
• 1:00:09
  Speaker 2: getting out the ones that I applied for when I
• 1:00:11
  Speaker 2: went to the Marines. They give you pretty much a
• 1:00:13
  Speaker 2: two or three hundred dollars limit off the jump. You
• 1:00:16
  Speaker 2: don't got to put nothing down. But then when you
• 1:00:19
  Speaker 2: get the card, they add a seventy five dollars annual
• 1:00:22
  Speaker 2: feed right to the card. Right the interest rates like
• 1:00:25
  Speaker 2: thirty percent? You know, it's like twenty seven percent, right,
• 1:00:28
  Speaker 2: So now you get the card, you're like, man, I
• 1:00:31
  Speaker 2: got two twenty five available, so you're gonna rack it up.
• 1:00:34
  Speaker 2: And then the thing is, even if you have a
• 1:00:36
  Speaker 2: zero balance. The reason why I suggest to close these
• 1:00:38
  Speaker 2: cards is because they charge you about eight twenty five
• 1:00:40
  Speaker 2: a month to just have the card. And it's a
• 1:00:43
  Speaker 2: subprime card. So why are you going to have a
• 1:00:46
  Speaker 2: card that has high interest on it and its charging
• 1:00:49
  Speaker 2: you every single month to just keep the card open.
• 1:00:52
  Speaker 2: And then when you want to call to make it payment,
• 1:00:53
  Speaker 2: They're going to charge you another ten dollars. So it's
• 1:00:55
  Speaker 2: like those credit cards are credit cards that are going
• 1:00:57
  Speaker 2: to put you in a hole. And the clients that
• 1:01:00
  Speaker 2: come to us a lot, they have first premier charge offs,
• 1:01:03
  Speaker 2: credit one charge offs, you know, c B Indigo, those
• 1:01:07
  Speaker 2: really bad high interest credit cards. So we tell clients
• 1:01:10
  Speaker 2: if you have them, pay it down and close them.
• 1:01:12
  Speaker 2: So it's never like really like yes and no, it's like,
• 1:01:14
  Speaker 2: let me break it down why.
• 1:01:15
  Speaker 5: It makes sense?
• 1:01:16
  Speaker 4: Mean, there is there any tips for like people like
• 1:01:19
  Speaker 4: that's looking to increase their credit limit. It might have
• 1:01:21
  Speaker 4: a hard even if they have like good credit. Sometimes
• 1:01:23
  Speaker 4: credit card companies be like, nah, you're good.
• 1:01:26
  Speaker 2: So one of the reasons why a lot of companies
• 1:01:28
  Speaker 2: that decline you even though you have good credit, you
• 1:01:30
  Speaker 2: have high balances, okay, and you might have a lot
• 1:01:33
  Speaker 2: of inquiries. The good thing about increaes they fall off
• 1:01:36
  Speaker 2: after two years, but they only affect your credit for
• 1:01:38
  Speaker 2: twelve months. So if you're in that predicament, just wait,
• 1:01:42
  Speaker 2: just wait it out. Make sure your balances are under
• 1:01:46
  Speaker 2: ten percent.
• 1:01:46
  Speaker 4: Yeah, talk about that, because most people say thirty, you
• 1:01:48
  Speaker 4: say ten. Ten.
• 1:01:49
  Speaker 2: The reason why I say ten is because thirty years
• 1:01:51
  Speaker 2: you'll be look at a six eighty seven hundred ten percent,
• 1:01:54
  Speaker 2: you'll be over seven to twenty one percent. You'll be
• 1:01:57
  Speaker 2: like him, you know what I mean, they'll get that
• 1:01:59
  Speaker 2: close to eight hundred, you know what I mean. So
• 1:02:01
  Speaker 2: it's like, that's where you want to keep it, youtobe,
• 1:02:04
  Speaker 2: you know what I mean. I joined that's where you
• 1:02:07
  Speaker 2: want to keep it, because yeah, I'm not I'm not
• 1:02:11
  Speaker 2: in this. You know, I'm gonna get there one day.
• 1:02:14
  Speaker 2: I'm at like seven eighty, you know what I mean.
• 1:02:16
  Speaker 2: My thing is I didn't have a lot of I
• 1:02:18
  Speaker 2: don't have that long history because everything was on my own,
• 1:02:23
  Speaker 2: you know what I mean. I messed up my credit
• 1:02:24
  Speaker 2: two or three times, file bankruptcy in like twenty thirteen,
• 1:02:27
  Speaker 2: So it was like a lot of that stuff affected me.
• 1:02:30
  Speaker 2: Why did I start from scratch? You know what I mean?
• 1:02:33
  Speaker 3: I got caught into a scheme where I was actually
• 1:02:35
  Speaker 3: listening to ninety seven, you know, like those credit repair things.
• 1:02:38
  Speaker 5: I called the number.
• 1:02:39
  Speaker 3: I'm like, YO, I need some help, and they were like, YO,
• 1:02:40
  Speaker 3: pay this mount pay this amount for like two years
• 1:02:44
  Speaker 3: and we'll wait everything.
• 1:02:45
  Speaker 5: And it was like I'm like, should.
• 1:02:48
  Speaker 3: I trust it should I trust it. And they consolidated everything.
• 1:02:51
  Speaker 3: It was like a real thing. And I was like,
• 1:02:52
  Speaker 3: all right, bet and I did it, and I was
• 1:02:54
  Speaker 3: like my credit got killed, right, But long term.
• 1:02:57
  Speaker 2: Obviously like that, that's like that settlement. That manager was
• 1:03:00
  Speaker 2: one of those the consolidation things change your life.
• 1:03:04
  Speaker 4: You also said, never never signed alone.
• 1:03:07
  Speaker 2: Never notter unless it's it's it's your wife that you've
• 1:03:10
  Speaker 2: been with or your husband for a little bit.
• 1:03:12
  Speaker 4: You just can't trust anybody.
• 1:03:14
  Speaker 2: And it's like that's the thing.
• 1:03:15
  Speaker 4: Man.
• 1:03:15
  Speaker 2: You can trust people to marry them, you can trust
• 1:03:17
  Speaker 2: people to do whatever. But one of the biggest things
• 1:03:20
  Speaker 2: that we see with credit is, yo, my girl left me.
• 1:03:23
  Speaker 2: My husband left me. He h them my husband didn't.
• 1:03:26
  Speaker 2: So unless like unless, I say, unless, you're crazy. Like
• 1:03:29
  Speaker 2: my wife, my wife CO signed for me when we
• 1:03:31
  Speaker 2: were dating for like a year and a half, loved you,
• 1:03:33
  Speaker 2: she loved me. Thank god, I never screwed my wife
• 1:03:37
  Speaker 2: over when it comes to that, and I say she's
• 1:03:38
  Speaker 2: crazy because a lot of people don't do that. They
• 1:03:41
  Speaker 2: just they would be like, like, she should have left
• 1:03:42
  Speaker 2: me at that point. Like when I say CO signed
• 1:03:44
  Speaker 2: about a year in she should be like, yeah, I'm out,
• 1:03:46
  Speaker 2: you know what I mean.
• 1:03:48
  Speaker 4: Yeah, if anybody asked me for a co sign, So
• 1:03:50
  Speaker 4: you're good.
• 1:03:54
  Speaker 2: Sign for children to know, because if you teach your
• 1:03:58
  Speaker 2: kids to have the good credit early, you.
• 1:03:59
  Speaker 4: Don't you never have to. That was the thing when
• 1:04:01
  Speaker 4: you said with the sixteen, I don't want people that
• 1:04:03
  Speaker 4: go over people's head, like in two years you can
• 1:04:06
  Speaker 4: get your child's credit to seven one hundred or better. Yep,
• 1:04:10
  Speaker 4: and now they don't need a coach. The only reason
• 1:04:12
  Speaker 4: why people need a coast on this is extremely important
• 1:04:14
  Speaker 4: because it's like growing up in middle class, working class neighborhoods,
• 1:04:17
  Speaker 4: you know, coming from just you know, not the most
• 1:04:20
  Speaker 4: fluent financial background. You're thinking like, all right, I got
• 1:04:23
  Speaker 4: a co sign for my kid. The only reason you
• 1:04:26
  Speaker 4: got a co sign for your kid is that your
• 1:04:27
  Speaker 4: kid needs to be on if you build them up properly.
• 1:04:31
  Speaker 4: Derek Grayce had a great you know him, Derek Grace,
• 1:04:35
  Speaker 4: Yes three yep. Derek Grayce good, good, good guy. So
• 1:04:40
  Speaker 4: he he had a dope video and he was it
• 1:04:43
  Speaker 4: was It made me really just think about life differently.
• 1:04:45
  Speaker 4: And he was like, you know, his delivery is a
• 1:04:47
  Speaker 4: little harsher than ours, but he's a friend of the program,
• 1:04:50
  Speaker 4: but the thing he said was true. He was like,
• 1:04:53
  Speaker 4: if you're relying on your kid to get a summer
• 1:04:56
  Speaker 4: job when they're sixteen and then take out student loans,
• 1:04:59
  Speaker 4: like you didn't do something correct. And I never really
• 1:05:02
  Speaker 4: thought about it like that because I'm like, you know,
• 1:05:04
  Speaker 4: you always think like you got to get a job.
• 1:05:05
  Speaker 4: But he's like his thing is like you got to
• 1:05:07
  Speaker 4: build the business and then hire your child and then
• 1:05:09
  Speaker 4: all of the different things. And I'm like, that's really
• 1:05:12
  Speaker 4: true if you really think about it, like I'm saying,
• 1:05:14
  Speaker 4: like what we're doing now is like it would be
• 1:05:17
  Speaker 4: a disservice if I'm doing all of this and then
• 1:05:19
  Speaker 4: telling my son when he's sixteen, Yo, you gotta you
• 1:05:22
  Speaker 4: know what I'm saying, figure it out and get a
• 1:05:24
  Speaker 4: job and figure it out on your own, right, Like
• 1:05:26
  Speaker 4: what's the point of me doing all this? And I
• 1:05:29
  Speaker 4: never thought about it like that until he said it,
• 1:05:31
  Speaker 4: and I'm like, that's actually true, and it's the same
• 1:05:33
  Speaker 4: thing what you said. It's like we're just so used
• 1:05:35
  Speaker 4: to like, Okay, I'm gonna have to co sign for
• 1:05:37
  Speaker 4: my kid because I'm gonna have to help, but now
• 1:05:39
  Speaker 4: I should help them before that. And if you think
• 1:05:41
  Speaker 4: about in the grand scheme of things, only two. Yeah,
• 1:05:43
  Speaker 4: the only thing you got to do is just put
• 1:05:44
  Speaker 4: them on and just make the payments.
• 1:05:46
  Speaker 2: That's it.
• 1:05:47
  Speaker 4: And now they don't need a co sign because they
• 1:05:49
  Speaker 4: have credit history ready.
• 1:05:51
  Speaker 2: And what's crazy is is that, you know, with minorities,
• 1:05:56
  Speaker 2: you know what I mean? And when I posted that
• 1:05:58
  Speaker 2: thing on Instagram, I posted it on Facebook and I
• 1:06:03
  Speaker 2: posted on Instagram. What's crazy is that a lot of
• 1:06:07
  Speaker 2: the Hispanic and Black community didn't know that, but when
• 1:06:11
  Speaker 2: you look at the white community, they did. So that's
• 1:06:15
  Speaker 2: why I want to change the game, because it's like,
• 1:06:18
  Speaker 2: that's great un THEMB. They're teaching their kids that. Once again,
• 1:06:22
  Speaker 2: at eighteen, I didn't know that. At nineteen, I didn't
• 1:06:24
  Speaker 2: know that. So that as a community, we got to
• 1:06:26
  Speaker 2: do better because if we educated, we changed that early,
• 1:06:29
  Speaker 2: we don't not only do we need the co sign
• 1:06:31
  Speaker 2: but maybe our kids can help us buy stuff when
• 1:06:34
  Speaker 2: they're older, you know what I mean. It's like if
• 1:06:36
  Speaker 2: WICH just changed the generation and change the scope of
• 1:06:39
  Speaker 2: way that people learn and know about credit, it's going
• 1:06:42
  Speaker 2: to break the cycle of back credit. And not only
• 1:06:45
  Speaker 2: will kids not even need co signers, but they're gonna
• 1:06:47
  Speaker 2: do things that we couldn't do at that age, you
• 1:06:50
  Speaker 2: know what I mean. And that's the difference is by
• 1:06:51
  Speaker 2: getting them to that credit level where it's like, not
• 1:06:53
  Speaker 2: only do they need co signers, but they might not
• 1:06:56
  Speaker 2: even need to go to the cyclists, graduate high school,
• 1:06:59
  Speaker 2: go to college, do this. Why not graduate high school
• 1:07:01
  Speaker 2: with an eight hundred credit score, get into real estate
• 1:07:04
  Speaker 2: becoming an investor. By the time you're twenty two, you know,
• 1:07:06
  Speaker 2: you have a big portfolio, and your kids and your
• 1:07:08
  Speaker 2: friends are just graduate in college.
• 1:07:10
  Speaker 5: They'll be paying you rooming board.
• 1:07:11
  Speaker 4: Right, you started looking at life differently, you know, Like
• 1:07:13
  Speaker 4: I said, I watched that Derek grayce. The first time
• 1:07:15
  Speaker 4: I watched the clip, it was a little funny, so
• 1:07:17
  Speaker 4: I was laughing. Then I watched it a few more
• 1:07:19
  Speaker 4: times and I'm like, you know, he's actually bringing up
• 1:07:21
  Speaker 4: some good points. And it's like because he was like,
• 1:07:23
  Speaker 4: like I said, his delivery is a little harsh, but
• 1:07:25
  Speaker 4: he was telling the people. He was like, he can
• 1:07:26
  Speaker 4: guarantee his kid to probably be millionaires before most people
• 1:07:29
  Speaker 4: watching the video. And I'm thinking, like, you know, financial
• 1:07:31
  Speaker 4: literacy is life or death, because it's like I'm looking
• 1:07:34
  Speaker 4: at it now, like my son has a legit chance
• 1:07:36
  Speaker 4: to become a millionaire early, just based off of investments
• 1:07:39
  Speaker 4: that I'm making early on for him. And I'm like,
• 1:07:41
  Speaker 4: I'm doing a calculation, like if I put this much
• 1:07:42
  Speaker 4: money into an account, like by the time he's eighteen,
• 1:07:45
  Speaker 4: at least twenty five, he could really be a millionaire.
• 1:07:47
  Speaker 4: And it's like your mindset, like you know what I'm saying,
• 1:07:51
  Speaker 4: Like you didn't really think about stuff like that never,
• 1:07:53
  Speaker 4: Like you know what I'm saying. It's like, all right,
• 1:07:55
  Speaker 4: my kid got to get a good like you said,
• 1:07:57
  Speaker 4: go to school, get all a's, go to college, get
• 1:08:00
  Speaker 4: the best paying job you can possibly get. But now
• 1:08:03
  Speaker 4: it's like, yo, you can actually set your kid up
• 1:08:05
  Speaker 4: to have eight hundred credit score, have a half a
• 1:08:07
  Speaker 4: million dollars in a trust, and you know what I'm saying,
• 1:08:10
  Speaker 4: when he comes out, you got a business for them
• 1:08:12
  Speaker 4: to work under, and they can you know, do real
• 1:08:14
  Speaker 4: estate investment, they can invest in stocks. And it's like
• 1:08:17
  Speaker 4: the old way of thinking, it's just like not even
• 1:08:21
  Speaker 4: really relevant anymore.
• 1:08:22
  Speaker 3: Are you sound like the plug? Yeah, you sound like
• 1:08:24
  Speaker 3: the plug the generational wellshot shot shouts to the family pack.
• 1:08:30
  Speaker 4: That's a fact. Nah, I mean this is real, like
• 1:08:33
  Speaker 4: you said, I mean, you know, Spanish community, Black community.
• 1:08:36
  Speaker 4: For a long time, just it wasn't even thought now
• 1:08:41
  Speaker 4: it wasn't. And that's what That's one of the great
• 1:08:42
  Speaker 4: things I love about, Like Instagram's whole financial literacy movement.
• 1:08:45
  Speaker 4: It's like it's making people aware and it's opening people's minds,
• 1:08:49
  Speaker 4: and it's like people that I would have never thought
• 1:08:51
  Speaker 4: was interested in stocks is like you know, switeten and
• 1:08:54
  Speaker 4: instagramming about stock picks and like looking at their credit
• 1:08:57
  Speaker 4: score and trying to figure out how they can get
• 1:08:59
  Speaker 4: their first home this time.
• 1:09:01
  Speaker 5: Man.
• 1:09:01
  Speaker 4: You know, it's just how do you feel like when
• 1:09:03
  Speaker 4: you go on the road, Like obviously that's putfore Corona,
• 1:09:06
  Speaker 4: but like, how has it been for you to actually
• 1:09:08
  Speaker 4: touch Because when y'all seminars be like thousands of people,
• 1:09:11
  Speaker 4: like two thousand and three thousand people, So how how
• 1:09:14
  Speaker 4: is it for you to actually it's like a it's
• 1:09:17
  Speaker 4: like a rapper like performing for like three thousand people,
• 1:09:20
  Speaker 4: like and then get feedback and hundreds of people coming
• 1:09:22
  Speaker 4: up to you asking questions like how has that been
• 1:09:25
  Speaker 4: for you?
• 1:09:26
  Speaker 2: It was, Uh, it was it was little like let
• 1:09:30
  Speaker 2: me see how I can put this, It was like
• 1:09:32
  Speaker 2: why me? At first, you know what I mean, it
• 1:09:34
  Speaker 2: was like I was nervous. But then I was like, man,
• 1:09:37
  Speaker 2: like is this real life? Like is are these people
• 1:09:41
  Speaker 2: really listening to me? Like so whatever I say, They're
• 1:09:43
  Speaker 2: gonna do and listen. So it was like it gave
• 1:09:47
  Speaker 2: me that purpose again. Remember what I said. I was
• 1:09:49
  Speaker 2: in my basement. I didn't know what I wanted to do,
• 1:09:50
  Speaker 2: and I was like, so me being on the road
• 1:09:53
  Speaker 2: is like little boy from Jersey. Now I'm in Florida,
• 1:09:56
  Speaker 2: I'm in California, I'm in Detroit. I mean, all these
• 1:09:58
  Speaker 2: different cities. So it's like it made me really level
• 1:10:01
  Speaker 2: up and really get my perfect my game because it
• 1:10:05
  Speaker 2: allowed me now to help people with things that I
• 1:10:08
  Speaker 2: didn't know at an early age because we had young
• 1:10:11
  Speaker 2: you know, we had young kids there. It wasn't just
• 1:10:13
  Speaker 2: like thirty year old thirty five year olds. There were
• 1:10:15
  Speaker 2: younger kids there. Yeah, you know what I mean. So
• 1:10:17
  Speaker 2: it's like wow, Like it made me feel good where
• 1:10:19
  Speaker 2: it's like, man, I'm going to be able to change
• 1:10:22
  Speaker 2: the scope of how people think about credit and now
• 1:10:25
  Speaker 2: for me, that that's like my purpose. I was like,
• 1:10:27
  Speaker 2: all right, my purpose here is to educate on credit.
• 1:10:29
  Speaker 2: And that's when we changed the name of our company
• 1:10:31
  Speaker 2: to God Credit during the seminars, you know what I mean.
• 1:10:35
  Speaker 2: We changed it because it was like my wife was like,
• 1:10:38
  Speaker 2: got milt, Like I forgot what it was. My daughter
• 1:10:40
  Speaker 2: says something about milk, and I think it was my
• 1:10:43
  Speaker 2: wife's got credit, and I'm like, wait a minute, that's
• 1:10:46
  Speaker 2: what it is, like do you got credit? Like do
• 1:10:49
  Speaker 2: you have it? And by me being able to talk
• 1:10:51
  Speaker 2: and be here with you guys and talk to all
• 1:10:53
  Speaker 2: the people that we did, we're breaking the cycle. And
• 1:10:56
  Speaker 2: for me, like, man, like there's nothing in this world
• 1:10:59
  Speaker 2: the more besides like being a father, a marine and
• 1:11:02
  Speaker 2: a husband that's more rewarding than that, because now I'm
• 1:11:05
  Speaker 2: changing people's way that they think about credit. And it's
• 1:11:07
  Speaker 2: just it just feels amazing, man, it just feels so good.
• 1:11:10
  Speaker 2: And it's just life change, not by legacy. It's not
• 1:11:13
  Speaker 2: going to be the marine that got court martially, got
• 1:11:15
  Speaker 2: kicked out, that got arrested, is now the marine that
• 1:11:18
  Speaker 2: changed thousands of lives across.
• 1:11:20
  Speaker 3: The world a movie in the making the making, man,
• 1:11:24
  Speaker 3: So how can people contact you?
• 1:11:28
  Speaker 4: What kind of services do you guys offer? How can
• 1:11:31
  Speaker 4: you help the people. Let the people know what the
• 1:11:33
  Speaker 4: deal is.
• 1:11:34
  Speaker 2: Cool. Yeah, so on credit reppit on on Instagram, on YouTube.
• 1:11:38
  Speaker 2: I don't really use Twitter that much, but fake you
• 1:11:39
  Speaker 2: know all the platforms. The credit dude. So the credit dude,
• 1:11:44
  Speaker 2: they can find me on there. And what we do
• 1:11:47
  Speaker 2: is pretty much we want to educate you first and
• 1:11:49
  Speaker 2: foremost on what we could do is knowing how to
• 1:11:52
  Speaker 2: check your credit, what your credit score is, what a
• 1:11:55
  Speaker 2: credit report is, right, how to check you're done in Bradstreet.
• 1:11:58
  Speaker 2: We do business credit service is we educate you on
• 1:12:01
  Speaker 2: business credit student loans, right. Like, let's say you might
• 1:12:04
  Speaker 2: have an eviction, we help you with that because it's
• 1:12:06
  Speaker 2: not on you have three credit bureaus, you know what
• 1:12:08
  Speaker 2: I mean. So anything that revolves around credit, if you
• 1:12:11
  Speaker 2: want to just call us and that you have questions
• 1:12:12
  Speaker 2: on man, I want to raise my limit, you can
• 1:12:15
  Speaker 2: call the office one of the only credit per companies
• 1:12:17
  Speaker 2: that you can get a free thirty minute consultation. Ask anything,
• 1:12:20
  Speaker 2: and we're not going to pitch you on to sign up,
• 1:12:22
  Speaker 2: because that's one thing that's wrong is there's the education
• 1:12:25
  Speaker 2: is not out there, so we want to give it
• 1:12:27
  Speaker 2: to you for free. So if you just go to
• 1:12:28
  Speaker 2: my Instagram. You can schedule a call with us if
• 1:12:30
  Speaker 2: you want. The link is in my bio and we
• 1:12:32
  Speaker 2: would love to not only connect with you, but also
• 1:12:36
  Speaker 2: educate you on what you should or shouldn't be doing
• 1:12:38
  Speaker 2: when it comes to your person or your business. And listen,
• 1:12:41
  Speaker 2: you know, if you're a military marine, you suffering with something.
• 1:12:44
  Speaker 2: We have a nonprofit that's being launched next year to
• 1:12:47
  Speaker 2: help people out with that, So stay tuned for that
• 1:12:49
  Speaker 2: as well, because we're very excited.
• 1:12:50
  Speaker 5: That's dope, man.
• 1:12:52
  Speaker 4: I want to ask you a question about how would
• 1:12:54
  Speaker 4: your experience because you taught two classes for you and
• 1:12:56
  Speaker 4: as I said, you're going to be a professor issue
• 1:12:58
  Speaker 4: teacher four classes. I watched it and the good thing
• 1:13:01
  Speaker 4: about ey because a lot of time people say, like,
• 1:13:02
  Speaker 4: what's the difference between this and the podcast is like
• 1:13:04
  Speaker 4: your presentation on business credit was twenty minutes, with the
• 1:13:07
  Speaker 4: class was like an hour and a half, So it
• 1:13:10
  Speaker 4: was like over an hour and ten minutes of question
• 1:13:12
  Speaker 4: and answers. And that's the key thing. And that's like
• 1:13:15
  Speaker 4: the verse that because it's like you, there's nothing like
• 1:13:18
  Speaker 4: that one on one interaction and you know, people have
• 1:13:22
  Speaker 4: like real specific questions and you know, they try to
• 1:13:26
  Speaker 4: hit guests up after they come on and they DM
• 1:13:28
  Speaker 4: them and it's like a thousand DMS. It's hard to answer, right,
• 1:13:30
  Speaker 4: So what was your experience? How has your experience been
• 1:13:33
  Speaker 4: with Euyo University.
• 1:13:34
  Speaker 2: It's been rewarding, life changing because you know, you guys
• 1:13:38
  Speaker 2: obviously are a staple and you you guys have a brand,
• 1:13:41
  Speaker 2: you know what I mean. You have you guys made
• 1:13:42
  Speaker 2: a huge name for yourself. So it's like the fact
• 1:13:44
  Speaker 2: that when when your community and your earners ask me
• 1:13:48
  Speaker 2: questions and I'm able to reply and I'm able to
• 1:13:50
  Speaker 2: say this, this, this, or prevent or do a presentation
• 1:13:54
  Speaker 2: like it's once again, it feels good. But the fact
• 1:13:56
  Speaker 2: that we're educating and we're giving people the answers and
• 1:13:59
  Speaker 2: like the the community the guys have built is amazing,
• 1:14:02
  Speaker 2: you know what I mean. A lot of how we
• 1:14:04
  Speaker 2: changed our business model is based off of what you
• 1:14:07
  Speaker 2: guys are doing well, you know what I mean. So
• 1:14:09
  Speaker 2: it's like when when when when I was able to
• 1:14:12
  Speaker 2: respond and talk and I was like, you know, I
• 1:14:15
  Speaker 2: was like, oh man, like these guys are coming with
• 1:14:17
  Speaker 2: the questions that like, you know, and as I'm answering
• 1:14:20
  Speaker 2: I'm like, all right, let me google this right quick,
• 1:14:21
  Speaker 2: let me do this right quick. But it's like I'm
• 1:14:22
  Speaker 2: able to respond. But it's just so awesome that your
• 1:14:26
  Speaker 2: your earners, they have the thirst for knowledge, and I
• 1:14:29
  Speaker 2: think that's what separates you guys, and and what why
• 1:14:32
  Speaker 2: you're earning it so special is because they're not just
• 1:14:34
  Speaker 2: signing up. They're signing up and asking a thousand and
• 1:14:38
  Speaker 2: one questions because that's the shows that they care.
• 1:14:44
  Speaker 4: Facebook.
• 1:14:44
  Speaker 5: So I appreciate the fact.
• 1:14:45
  Speaker 2: Of course.
• 1:14:46
  Speaker 3: That's why I said, man, we have to start by
• 1:14:48
  Speaker 3: just saluting you for the amount of love and support
• 1:14:50
  Speaker 3: that you've always shown for us.
• 1:14:51
  Speaker 5: Appreciate it, you know what I mean.
• 1:14:52
  Speaker 3: We appreciate you, and we saw you put on when
• 1:14:54
  Speaker 3: we came to the seminar and Jersey standing outstanding performances.
• 1:15:00
  Speaker 2: I appreciate it.
• 1:15:00
  Speaker 4: Not for sure, it's been a pleasure. Thank you for
• 1:15:02
  Speaker 4: joining us and not only you know, dropping gyms as
• 1:15:05
  Speaker 4: far as the credit, but sharing your personal story too,
• 1:15:08
  Speaker 4: because like I said, I think that that could be
• 1:15:09
  Speaker 4: even as that maybe even more valuable to some people
• 1:15:11
  Speaker 4: than the credit information because it's always good. I always
• 1:15:14
  Speaker 4: like to get the back stories of people, So like
• 1:15:16
  Speaker 4: whether it's a Wall Street trapper who went to jail
• 1:15:19
  Speaker 4: when he was sixteen years old for ten years and
• 1:15:22
  Speaker 4: came out and it's like it has inspires young men
• 1:15:24
  Speaker 4: that might have made mistakes, or whether it's you know,
• 1:15:27
  Speaker 4: somebody Ronnie Brown who was a teenage mom and you
• 1:15:30
  Speaker 4: know now she's a millionaire. It's like how many young
• 1:15:32
  Speaker 4: girls made you know, had got pregnant when they were
• 1:15:35
  Speaker 4: seventeen years old and think that their life is over.
• 1:15:37
  Speaker 3: So I was out, you know what I was thinking too,
• 1:15:39
  Speaker 3: Caason Caesar story like that story you have to make
• 1:15:42
  Speaker 3: at the door when they were coming again, it was like, yo,
• 1:15:45
  Speaker 3: quick decision, but change his life.
• 1:15:47
  Speaker 4: Yeah, there's always somebody can relate to somebody's story, you
• 1:15:51
  Speaker 4: know what I'm saying. That's why we like to tell
• 1:15:52
  Speaker 4: people's story because everybody has a story. Everybody has a
• 1:15:56
  Speaker 4: story to tell. Like, no matter what your story is,
• 1:15:59
  Speaker 4: everybody had some story to tell. And everybody's story can
• 1:16:02
  Speaker 4: inspire somebody else. So appreciate it. Appreciate it, brother, Thank
• 1:16:07
  Speaker 4: you Troy house keeping it eye.
• 1:16:09
  Speaker 3: Yeah, man, shout to everybody on patreon dot com. You
• 1:16:12
  Speaker 3: know that is our Proud to Pay program. We got
• 1:16:13
  Speaker 3: some new members some tear five member. Shout out to Thomas,
• 1:16:16
  Speaker 3: Jason and ey Lane.
• 1:16:17
  Speaker 5: Welcome to the e y L family. You know that
• 1:16:19
  Speaker 5: you now have access to e y l.
• 1:16:21
  Speaker 3: You you know that that great platform that our brother
• 1:16:24
  Speaker 3: Jose has been gracious enough to bless us with his services.
• 1:16:29
  Speaker 3: So looking forward to talking to you, and shout to
• 1:16:31
  Speaker 3: everybody that say all our earners, like you said, man,
• 1:16:33
  Speaker 3: they are there with the intent to learn, but to
• 1:16:36
  Speaker 3: also execute.
• 1:16:36
  Speaker 5: So shout out to.
• 1:16:37
  Speaker 3: All our earners and shout to everybody that's supporting the
• 1:16:39
  Speaker 3: merch h you know how to get that on e
• 1:16:41
  Speaker 3: y l dot com or your leader dot com. And
• 1:16:44
  Speaker 3: I want to give a quick shout out to this.
• 1:16:46
  Speaker 3: We don't I don't want people to breeze over this.
• 1:16:48
  Speaker 3: I don't want to. We got our own our own
• 1:16:51
  Speaker 3: got credit license plate fitteds man. So if you look,
• 1:16:54
  Speaker 3: then we got we got the New York place with
• 1:16:55
  Speaker 3: the Arnal lesion on it. So shout out to you
• 1:16:57
  Speaker 3: for busting us.
• 1:16:58
  Speaker 4: With that and to give credit merchant. You can't buy that,
• 1:17:01
  Speaker 4: right you can? You can?
• 1:17:02
  Speaker 5: You can?
• 1:17:03
  Speaker 4: Yeah?
• 1:17:03
  Speaker 2: Okay, if people wanted on my Instagram, they can go
• 1:17:06
  Speaker 2: let my Instagram and everything is right there.
• 1:17:08
  Speaker 4: I know before it wasn't You couldn't know.
• 1:17:10
  Speaker 2: It was exclusive when we just gave it away. And
• 1:17:13
  Speaker 2: I actually think that we're leaning towards that again, where
• 1:17:16
  Speaker 2: instead of people to buying it, I think we're gonna
• 1:17:18
  Speaker 2: lean towards just being able to give it away.
• 1:17:20
  Speaker 5: You can't get the New York player that's that don't
• 1:17:23
  Speaker 5: appreciate it.
• 1:17:23
  Speaker 4: I appreciate it, customized, customized, Alsia got credit hats, and
• 1:17:27
  Speaker 4: we got bags. So yeah, we appreciate it. Brother, Thank
• 1:17:31
  Speaker 4: you man, Thank you guys so much.
• 1:17:32
  Speaker 5: I appreciate it.
• 1:17:34
  Speaker 4: Man. Thank you guys for rocking with us. See you
• 1:17:36
  Speaker 4: next week. Peace.
• 1:17:37
  Speaker 6: Peace, my graduates from my school being forced back drop
• 1:17:44
  Speaker 6: bags drop, Mike, drop back drop drop.
• 1:17:59
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