Latest / DA CREW Podcast / DELAYED BUT NOT DENIED -7.14.25- LATONYA MICHELLE LITTLEJOHN

Transcript

DELAYED BUT NOT DENIED -7.14.25- LATONYA MICHELLE LITTLEJOHN · DA CREW Podcast

• 0:03
  Speaker 1: Good evening, good evening, good evening, and welcome to another
• 0:07
  Speaker 1: episode of Delay but not Deny the podcast. On tonight,
• 0:12
  Speaker 1: I have my friend mister Jerry Ferguson, and we're gonna
• 0:15
  Speaker 1: discuss credit repair and the things you need to know
• 0:21
  Speaker 1: in doing so. But before we get started, I would
• 0:25
  Speaker 1: like to go to God in prayer. Heavenly Father, we
• 0:28
  Speaker 1: come to you tonight asking you to be in the
• 0:30
  Speaker 1: midst of the conversation, asking you to let the hearers
• 0:34
  Speaker 1: and the doers of this word not fall on deaf ears. Lord,
• 0:40
  Speaker 1: let all the questions be asked and the answers be
• 0:44
  Speaker 1: received in Jesus name and pray Amen. Essential questions to
• 0:49
  Speaker 1: ask when getting your credit repaired or before you get
• 0:53
  Speaker 1: your credit repaired. When considering credit repair, it's crucial to
• 1:00
  Speaker 1: be informed to ensure you choose a legitimate and effective approach.
• 1:06
  Speaker 1: Here are key questions to ask whether you're considering a
• 1:09
  Speaker 1: credit repair, considering a credit repair company, or credit counseling.
• 1:21
  Speaker 1: Mister Jerry, are you there? It's saying everybody's offline, Okay,
• 1:39
  Speaker 1: he said he was logging out and logging back in.
• 1:44
  Speaker 1: Let me check on him, see if he's good. Uh.
• 2:03
  Speaker 1: But in the meantime. Questions about credit repair companies the
• 2:09
  Speaker 1: first thing you should access where services are offered. Credit
• 2:15
  Speaker 1: repair companies typically dispute errors on credit reports with credit
• 2:19
  Speaker 1: bureaus and creditors. Some offer additional services, including credit monitoring, monitoring,
• 2:27
  Speaker 1: sorry credit score track, and financial education. What are the
• 2:32
  Speaker 1: cost of services? Credit repair services usually have monthly fees,
• 2:38
  Speaker 1: which can range from fifty dollars to one hundred and
• 2:41
  Speaker 1: fifty dependent on the service included. Some companies may also
• 2:45
  Speaker 1: charge a setup or first work fee, ranging from seventy
• 2:49
  Speaker 1: dollars to two hundred dollars. It's important to understand the
• 2:53
  Speaker 1: pricing structure and any potential additional fees before committee. Can
• 3:02
  Speaker 1: score improvements be guaranteed. Reputable credit repair companies cannot guarantee
• 3:09
  Speaker 1: specific score increases. However, they can provide information on general
• 3:14
  Speaker 1: score improvements seen by past clients. Another question to ask
• 3:21
  Speaker 1: is how long will it take to see results. The
• 3:24
  Speaker 1: timeframe for credit repair varies based on the complexity of
• 3:28
  Speaker 1: your situation, the number of disputed items, and the responsiveness
• 3:34
  Speaker 1: of credit bureaus and creditors. Credit bureaus are typically required
• 3:39
  Speaker 1: to investigate disputes within thirty to forty days how much
• 3:44
  Speaker 1: involvement is required from a client. A reputable company will
• 3:49
  Speaker 1: involve the client in the process offering guidance on improving credit.
• 3:55
  Speaker 1: They will also they will also require the client to
• 3:59
  Speaker 1: prove provide supporting documentation and forward correspondence from creditors and
• 4:05
  Speaker 1: credit brols. My guess is here, mister Jerry, how are you.
• 4:10
  Speaker 2: I'm good? Can you hear me?
• 4:12
  Speaker 1: I can hear you?
• 4:13
  Speaker 3: Okay, having difficult with the camera. As long as y'all
• 4:17
  Speaker 3: can you can hear me, I can hear and give
• 4:22
  Speaker 3: you my point of view and expertise.
• 4:27
  Speaker 1: If you could, Could you introduce yourself?
• 4:30
  Speaker 2: Yes, thank you.
• 4:32
  Speaker 3: I just want to give it, give it back to
• 4:34
  Speaker 3: you for this platform, for our linking up. You know,
• 4:39
  Speaker 3: we always keep in contact with one another. We'll let
• 4:42
  Speaker 3: me know what you know, what you got going on
• 4:45
  Speaker 3: when we need each other. We love serving each other.
• 4:48
  Speaker 3: We love, you know, helping each other out with each
• 4:51
  Speaker 3: other business. My name is Jerry Ferguson, a financial consultant,
• 4:56
  Speaker 3: a company of ges R Solution because ALC and basically
• 5:02
  Speaker 3: you know done learned a lot of stuff in the
• 5:05
  Speaker 3: past years to help my people with finances and grown
• 5:09
  Speaker 3: passionate about it. So I realized what it had done done
• 5:13
  Speaker 3: for me and my family, and we just me and
• 5:16
  Speaker 3: my whole family just made us, you know, got us
• 5:20
  Speaker 3: a company going because we're grown passionate about creative repairing
• 5:23
  Speaker 3: the finances and all the stuff that we wasn't taught
• 5:26
  Speaker 3: growing up. And you know, it wasn't our fault that
• 5:29
  Speaker 3: we wanted taught. Our parents went taught that our grandparents
• 5:32
  Speaker 3: weren't taught, and it was it was like that for
• 5:35
  Speaker 3: a reason. But now y'all got somebody that that know
• 5:39
  Speaker 3: a little some something.
• 5:40
  Speaker 2: You see what I'm saying.
• 5:41
  Speaker 3: So I always say, you know, knowledge is free because
• 5:47
  Speaker 3: you can google pretty much google inn.
• 6:54
  Speaker 1: Ok Okay, okay, So the first question I have is
• 7:05
  Speaker 1: what services offered. I can't hear you?
• 7:18
  Speaker 2: Can you hear me? Now?
• 7:19
  Speaker 3: Okay, okay. We have a done for you service, which
• 7:24
  Speaker 3: is excellent. I really like the done for you service
• 7:27
  Speaker 3: because if you get more, you be more hands on
• 7:31
  Speaker 3: with it, and you understand it more and really you
• 7:35
  Speaker 3: can learn, you can show your family, show people that
• 7:38
  Speaker 3: you love or anybody that's really interested in hearing it
• 7:41
  Speaker 3: and the planet. But with that service as an AI service,
• 7:46
  Speaker 3: it pretty much do everything for you. For us, the
• 7:49
  Speaker 3: disputes that you have to produce. You pretty much got repoll.
• 7:54
  Speaker 3: You type it in, it's gonna pull up exactly what
• 7:57
  Speaker 3: you need to send off, how you need to send
• 7:59
  Speaker 3: it off. You pretty much just print that document off,
• 8:03
  Speaker 3: you sign it, send a copy of your like your idity,
• 8:08
  Speaker 3: and and respond within the twenty five thirty five day,
• 8:12
  Speaker 3: and then it's going to produce the next step for you.
• 8:15
  Speaker 3: The only thing about the done for you service is
• 8:18
  Speaker 3: that you're responsible for mailing out the dispute letters. And
• 8:22
  Speaker 3: any time that you're dealing with creative repair or pretty
• 8:26
  Speaker 3: much anything important, which creative repair is important, you want
• 8:29
  Speaker 3: to send it off certified mail. That way, these companies
• 8:33
  Speaker 3: they can't say they didn't receive this now because because
• 8:37
  Speaker 3: you just put a stamp on your send that letter off,
• 8:40
  Speaker 3: they can say, oh, we didn't receeell now you a month,
• 8:43
  Speaker 3: you twenty five thirty five days, ain't nothing been done.
• 8:47
  Speaker 3: So always send you know, send it off certified mail.
• 8:50
  Speaker 3: So the process of happening like it like it should,
• 8:56
  Speaker 3: you know time theories. But the certified mail UH it stamps, it.
• 9:02
  Speaker 1: Does it vary from UH state to state like for.
• 9:06
  Speaker 3: Us, the credit repair like for us. Now it don't
• 9:12
  Speaker 3: vary on state state to state when it comes to
• 9:16
  Speaker 3: credit repair.
• 9:17
  Speaker 2: Nah, it don't vary state.
• 9:18
  Speaker 3: Stay not with my service anyway I can help you know,
• 9:21
  Speaker 3: I can help in all fifty fifty states.
• 9:24
  Speaker 2: It the same same process.
• 9:27
  Speaker 1: Okay. And what are the costs for the services?
• 9:32
  Speaker 2: Okay?
• 9:33
  Speaker 3: The the done for You service, both both programs that
• 9:39
  Speaker 3: I provide is a monthly Bay service is no contract
• 9:46
  Speaker 3: when you start the D I Y the d it
• 9:50
  Speaker 3: is on one forty nine to start and it's sixty nine.
• 9:53
  Speaker 2: A month, okay.
• 9:55
  Speaker 3: And then we got it done for You service to
• 9:58
  Speaker 3: where you don't do nothing but set up your consultation
• 10:01
  Speaker 3: pretty much. Uh, you know, we get to do a
• 10:05
  Speaker 3: background see exactly what you're dealing with so we'll know
• 10:08
  Speaker 3: how to handle it. And that's that's one eighty nine
• 10:12
  Speaker 3: a start, and it's eighty nine a month now with
• 10:15
  Speaker 3: that program. You know, like I said, you don't do nothing.
• 10:17
  Speaker 3: You just set up the app, do your consultation and
• 10:20
  Speaker 3: it's gonna pretty much they gonna let you know what
• 10:23
  Speaker 3: done been mailed off, was being tooken off and you
• 10:25
  Speaker 3: just you just watching and watching the team work. Now
• 10:30
  Speaker 3: that's that's an awesome service too, because it's handy for
• 10:33
  Speaker 3: people that ain't got the time or don't want the
• 10:35
  Speaker 3: responsibility of mailing out the dispute letters. Now, both programs
• 10:40
  Speaker 3: are perfect, but I personally like the DY It's it's
• 10:46
  Speaker 3: it's cheaper, but it's more knowledgeable for what I want
• 10:50
  Speaker 3: my clients to you know, understand, so they won't keep
• 10:53
  Speaker 3: repeating the process or coming to me for creative repair. Now,
• 10:57
  Speaker 3: I would love to have you every month, every two months.
• 11:00
  Speaker 3: That ain't my personal goal for my clients. I want
• 11:03
  Speaker 3: you to be a learn restore so you can teach
• 11:07
  Speaker 3: your kids, your kids kids break the cycle that we've
• 11:10
  Speaker 3: been going through.
• 11:12
  Speaker 1: Okay, can credit scores score improvements be guaranteed?
• 11:22
  Speaker 3: Me and my company don't guarantee nothing but our service
• 11:27
  Speaker 3: with the money back guarantee on the you know far
• 11:32
  Speaker 3: as payment wise. Now, what I can guarantee for what
• 11:38
  Speaker 3: I deal with. If you work on your credit and
• 11:40
  Speaker 3: do what you're supposed to and be dis for I
• 11:43
  Speaker 3: guarantee it will work for you. Now guarantee how fast
• 11:48
  Speaker 3: something will go off for this, that and third. No,
• 11:51
  Speaker 3: but I can guarantee it will. But I can't say, well,
• 11:54
  Speaker 3: I can get your report off in sixty days. All right, house,
• 12:00
  Speaker 3: The first month of any credit repair is to verify
• 12:04
  Speaker 3: and delete old stuff. You cannot it is, you cannot
• 12:09
  Speaker 3: dispute anything if the old stuff is still long enough,
• 12:13
  Speaker 3: because when you're sending it, it's coming back verified because
• 12:17
  Speaker 3: the old address what they did is on is there.
• 12:20
  Speaker 3: So their first thirty days, you wanna you wanna delete,
• 12:25
  Speaker 3: delete your old address, old phone numbers, old jaws, old nicknames,
• 12:30
  Speaker 3: anything that ain't tied to your current living situation. Then
• 12:35
  Speaker 3: starting disputing. That's when when stuff start falling off, a
• 12:39
  Speaker 3: lot of people just say I'm gonna dispute this.
• 12:41
  Speaker 2: I'm gonna dispute that. It don't work like that.
• 12:46
  Speaker 1: How long does it usually take to start seeing results.
• 12:50
  Speaker 3: I don't seen results sometimes as soon as thirty to
• 12:54
  Speaker 3: sixty days, because like I said, once, once that verify
• 12:59
  Speaker 3: that old stuff off, and then there's a few let
• 13:02
  Speaker 3: us go out there. Second week after them, first twenty
• 13:05
  Speaker 3: five thirty five days, stuff just start going up. And
• 13:09
  Speaker 3: then you know, we we we help you build credit
• 13:14
  Speaker 3: as stuff being tooken out, So you see a result
• 13:18
  Speaker 3: a little quicker because as stuff falling off, you already
• 13:21
  Speaker 3: building your credit. So it's like it's you're replacing your
• 13:25
  Speaker 3: negative with positive at the same time and learning so everything,
• 13:30
  Speaker 3: you're getting results that you need because we got you
• 13:33
  Speaker 3: on the program to help you maintain and understand. We
• 13:38
  Speaker 3: don't just we don't just hey, hit sign us pay
• 13:42
  Speaker 3: for that.
• 13:43
  Speaker 2: There you go. Nah, we'll probably get on your nerve
• 13:45
  Speaker 2: more than you know what I mean.
• 13:47
  Speaker 3: But because we won't, we want you to understanding and
• 13:50
  Speaker 3: learning and benefit from it.
• 13:53
  Speaker 2: Okay.
• 13:56
  Speaker 1: How much involvement is required from the client?
• 14:01
  Speaker 3: Like I say, it's what they what just pretty much
• 14:09
  Speaker 3: up to the client. How much impotand me you want
• 14:12
  Speaker 3: to you want to learn? That's why it's two different programs.
• 14:15
  Speaker 2: You know.
• 14:16
  Speaker 3: If you want to just I just ain't got time
• 14:19
  Speaker 3: to learn nothing, but I need the boost.
• 14:21
  Speaker 2: We can help you with that.
• 14:22
  Speaker 3: If hey, I want to be hands on, I'm gonna
• 14:26
  Speaker 3: get on your nerve please, do you know what I mean?
• 14:29
  Speaker 2: So if it's all it's all up to the client.
• 14:33
  Speaker 1: Okay. How are disputes handled with bureaus and creditors.
• 14:40
  Speaker 3: Pretty much were the era of AI, So when we
• 14:47
  Speaker 3: send these letters off, it's that's That's another reason why
• 14:51
  Speaker 3: I like the d I Y because it's a I
• 14:54
  Speaker 3: fight AI. It's knowing the AI letters, knowing exactly how
• 15:00
  Speaker 3: to fight that system that we're sending it to. So
• 15:04
  Speaker 3: and then you're getting more involved with it, you know.
• 15:08
  Speaker 3: But what's the question again, I'm sorry.
• 15:14
  Speaker 1: I asked, how are disputes handled with credit bureaus and.
• 15:18
  Speaker 3: Credit the AI system fighting fighting the AI system? So
• 15:23
  Speaker 3: so pretty much the codes our system sending codes to
• 15:28
  Speaker 3: dispute whatever you're going through. So pretty much a repo,
• 15:32
  Speaker 3: got a code to it for coldes, you got a
• 15:34
  Speaker 3: code to inquiries, got a code to it. So it
• 15:38
  Speaker 3: depending on your credit profile. That's that's why they'll depending
• 15:43
  Speaker 3: on your credit profile, it'll print up the exact script
• 15:46
  Speaker 3: that you need to send to the Burroughs to you know,
• 15:50
  Speaker 3: to make things move a little faster, because that's another thing.
• 15:54
  Speaker 3: If you don't know what you're sending. If you're just computing, well,
• 15:59
  Speaker 3: I got a repoll, I'm gonna send it off as
• 16:03
  Speaker 3: charge off.
• 16:04
  Speaker 2: I'm disputed as a charge off. It's incorrect. If it's incorrect,
• 16:10
  Speaker 2: it ain't doing nothing. So let the system do what
• 16:13
  Speaker 2: it does. So it's center. It's that information it needs
• 16:16
  Speaker 2: so you won't.
• 16:17
  Speaker 3: Be in no delayed you know, time frame getting the
• 16:20
  Speaker 3: repast that you need because to be honest, typically most
• 16:25
  Speaker 3: of my clients like, for four months we gaming like
• 16:31
  Speaker 3: we we're gonna start getting credit lines if you know
• 16:37
  Speaker 3: by there the six fifty or hire and all three boroughs,
• 16:40
  Speaker 3: because that's what you want least least to six fifty.
• 16:43
  Speaker 3: That's the starting point. That's the Okay, you in the
• 16:46
  Speaker 3: C plus club. They see you trying. They okay, you're good,
• 16:51
  Speaker 3: you credible, you know what I mean? Because credit that's
• 16:54
  Speaker 3: what it is. Your credibility, You know what I mean.
• 16:57
  Speaker 3: They want to know you're gonna give my money that
• 17:00
  Speaker 3: you know what I mean? Is you responsible enough to
• 17:03
  Speaker 3: learn this? Thirty percent, thirty five, ten percent? You know,
• 17:08
  Speaker 3: they don't want you to know it. But when you
• 17:10
  Speaker 3: do know it, life get better. You just stuff start
• 17:14
  Speaker 3: coming in bundance. You just to me, credit repast like
• 17:19
  Speaker 3: the first step to discipline to all the money that
• 17:25
  Speaker 3: we dream and really won't couse you. If you can't
• 17:29
  Speaker 3: manage that thousand dollars that you make a week, you
• 17:35
  Speaker 3: they blessing the ten thousand a week that you want,
• 17:37
  Speaker 3: it ain't gonna come because God don't work like that
• 17:41
  Speaker 3: blessing don't work like, it's just one thing I learned
• 17:44
  Speaker 3: in these three years of having you know, just change
• 17:48
  Speaker 3: with credit and stuff in my life is just it
• 17:50
  Speaker 3: just don't work like that. So you gotta be able
• 17:52
  Speaker 3: to manage, maintain and do be grateful for what you
• 17:56
  Speaker 3: got and maintain it.
• 17:58
  Speaker 2: And then they start on for you.
• 18:01
  Speaker 4: Okay, are attorneys involved, Yes, it out especially with well,
• 18:11
  Speaker 4: attorneys always involved because that's just the protetion that we
• 18:14
  Speaker 4: have with the company and stuff like that.
• 18:16
  Speaker 3: But it can't get as deep ass So certain companies
• 18:23
  Speaker 3: by high fraudulent, they putting stuff on your report and stuff.
• 18:28
  Speaker 3: It's it's it gets so deep to where you you
• 18:32
  Speaker 3: could get some money back from them, line about certain
• 18:37
  Speaker 3: things on your report, you know, and they have attorneys
• 18:41
  Speaker 3: just for that. If you if you had an agreement
• 18:47
  Speaker 3: or something on turning the car in and you signed
• 18:51
  Speaker 3: the way of saying yes, I turned this in, you know, willingly,
• 18:57
  Speaker 3: so I'm gonna be on my creative report and y'all
• 19:00
  Speaker 3: out signed documents and stuff, and two months later it's
• 19:04
  Speaker 3: on your your credit report and you can, you know,
• 19:08
  Speaker 3: you can sue, you can sue them futed because of
• 19:11
  Speaker 3: the contract and stuff like that. Even if it's a verbal.
• 19:15
  Speaker 3: If you got proof though, you can you can get
• 19:18
  Speaker 3: your money back and get get you know, get that
• 19:20
  Speaker 3: toaken off your credit profile.
• 19:23
  Speaker 1: Okay, I got a personal question. I guess for myself.
• 19:30
  Speaker 1: I looked at my credit report and there are things
• 19:34
  Speaker 1: on there that have absolutely nothing to do with me,
• 19:39
  Speaker 1: and I don't know the first thing about removing it. Like,
• 19:44
  Speaker 1: for example, they have a name listed up under my
• 19:52
  Speaker 1: credit report as Latanya d Little John. My middle initial
• 19:59
  Speaker 1: is M, and so I don't understand where that comes from.
• 20:04
  Speaker 1: The Social Security numbers don't match most of the cities
• 20:10
  Speaker 1: and states that they have listed as previous addresses I've
• 20:15
  Speaker 1: never lived at. I've only lived in two states in
• 20:18
  Speaker 1: my life, in the South Carolina and Georgia.
• 20:22
  Speaker 3: And so and see what that that that comes with
• 20:26
  Speaker 3: the very first step of credit repair. You want to
• 20:29
  Speaker 3: get those things deleted because that's not you. And then
• 20:34
  Speaker 3: very fied if it's not you, because you you know
• 20:39
  Speaker 3: it's not you, correct, right, So it just be you
• 20:44
  Speaker 3: your name, an old address or or phone number tied
• 20:48
  Speaker 3: to it. You see how it work because it could
• 20:51
  Speaker 3: be just I don't know, somebody in your family might
• 20:55
  Speaker 3: have stayed at the address it's just it's just crazy
• 20:59
  Speaker 3: how it worked. Because your social tied to your lifestyle,
• 21:03
  Speaker 3: tied to your credit profile, you know what I mean.
• 21:06
  Speaker 2: Anywhere you don't move.
• 21:08
  Speaker 3: Slept, adredge, change adredge, whatever it is on that, you
• 21:13
  Speaker 3: know what I mean. So that's why you gotta get
• 21:16
  Speaker 3: those things to lead it. And matter of fact, I'm
• 21:19
  Speaker 3: gonna send you. I'm gonna send you exactly what you
• 21:22
  Speaker 3: need to do. I got you. You ain't gotta worry
• 21:27
  Speaker 3: about it. I got you. After after the call, I'm
• 21:31
  Speaker 3: gonna I'm gonna send you some stuff. You just send
• 21:34
  Speaker 3: it to me.
• 21:34
  Speaker 2: I'm gonna send you what you need to do with
• 21:36
  Speaker 2: I got you.
• 21:38
  Speaker 1: Okay, thank you, Because I mean, it's it's weird because
• 21:42
  Speaker 1: I'll get my credit report quite often and seeing places
• 21:48
  Speaker 1: on there like Charlotte, North Carolina, Nebraska, m mm hm
• 21:56
  Speaker 1: place as I I mean, I've been to Charlotte before. Yeah,
• 22:01
  Speaker 1: I've never lived there. I've never been there longer than
• 22:04
  Speaker 1: twenty four hours.
• 22:05
  Speaker 3: Yeah, And see people people have our same name and
• 22:09
  Speaker 3: all that. We're gonna get those get those things verified too.
• 22:13
  Speaker 3: It's nothing hard to do it. Like I say, I'm
• 22:17
  Speaker 3: gonna send you to everything that you need to do.
• 22:20
  Speaker 3: As matter of fact, I'm gonna do it for you.
• 22:21
  Speaker 3: The don't think you have to do is mail it
• 22:24
  Speaker 3: off certified mail, and it'll probably gonna cost you like
• 22:28
  Speaker 3: eighteen dollars to mail all three letters off for.
• 22:31
  Speaker 2: Something like that.
• 22:32
  Speaker 3: Okay, but yeah, once they do, once you send those off,
• 22:39
  Speaker 3: wait like twenty five thirty five days in between that timeframe,
• 22:43
  Speaker 3: you're gonna get a letter from all three boroughs.
• 22:45
  Speaker 1: Okay.
• 22:46
  Speaker 3: I'm gonna tell you, okay, we removed do that in
• 22:50
  Speaker 3: the third. Now if they try to add like now
• 22:56
  Speaker 3: we've got this verified, this can't be moved, then I'm
• 22:59
  Speaker 3: gonna send you another letter. And after that letter right there,
• 23:02
  Speaker 3: they're gonna do what they need to do so we
• 23:05
  Speaker 3: can go to the next step. Okay, they'll play hardball
• 23:10
  Speaker 3: sometimes depends on what it is and what the day
• 23:15
  Speaker 3: is and.
• 23:16
  Speaker 2: All that stuff. Whatever, you know, But I got some
• 23:20
  Speaker 2: for them. Don't even worry about it.
• 23:23
  Speaker 1: I want to ask about statute of limitations. I used
• 23:27
  Speaker 1: to work in credit UH recovery, where we UH would
• 23:34
  Speaker 1: call people and harass them about stuff that happened twenty
• 23:37
  Speaker 1: or years ago. The statute of limitation really play a
• 23:42
  Speaker 1: part or is that just something that was thrown out
• 23:45
  Speaker 1: there too.
• 23:47
  Speaker 3: To get people that that's basically the third party, I mean,
• 23:52
  Speaker 3: the company after they don't sold your debt, they get
• 23:55
  Speaker 3: they try to do that part to get you get
• 23:58
  Speaker 3: get some more money from you, you know, the scare tactic,
• 24:03
  Speaker 3: or pay for this collection what I'm paying for if
• 24:07
  Speaker 3: you already unsold it, you know, and people and people
• 24:11
  Speaker 3: just be like they it might be a thousand dollars.
• 24:14
  Speaker 3: They be like, well, we'll do it for one hundred
• 24:16
  Speaker 3: and twenty five and knock it off and you pay
• 24:19
  Speaker 3: the one twenty five. They still don't knock it off
• 24:22
  Speaker 3: and they already done soldier collections, so they done double
• 24:24
  Speaker 3: dipped on you. Now you you mad twice, you know.
• 24:28
  Speaker 3: You mean, so anything that's in collections or that need
• 24:32
  Speaker 3: to be deleted, do not pay on it. It be
• 24:36
  Speaker 3: it'd be cheaper just to go get it, get it
• 24:39
  Speaker 3: deleted and repaired and restore.
• 24:41
  Speaker 2: You know.
• 24:43
  Speaker 3: That's that's just that's just what it is. And see,
• 24:46
  Speaker 3: like a lot of people like far as emails, like
• 24:50
  Speaker 3: when when you apply for stuff and they they send
• 24:56
  Speaker 3: you an email to verify it's you don'n verified. It's
• 25:00
  Speaker 3: just like Okay, like fine bird region the hospital. You
• 25:05
  Speaker 3: know how they see you. They'll call you and you'll
• 25:08
  Speaker 3: you'll hang up on them. That's you hang up. But
• 25:14
  Speaker 3: then they's seen your text or email and then you
• 25:17
  Speaker 3: get it to open it. Guess what you just did
• 25:20
  Speaker 3: gave them? Maxis you?
• 25:22
  Speaker 2: Yeah, you just verified that it's you. You see what
• 25:25
  Speaker 2: I'm saying.
• 25:26
  Speaker 3: It's just like picking up the phone calls and saying yes, yes,
• 25:30
  Speaker 3: I yes, I was there that day. Yes that's me. Yeah,
• 25:34
  Speaker 3: you know what I mean, same things. That's how they
• 25:37
  Speaker 3: get But a lot of people don't know that. But yeah,
• 25:41
  Speaker 3: they just wanted verified.
• 25:44
  Speaker 2: That's the way they.
• 25:47
  Speaker 1: Does. Divorce and things of that nature. Hurt your credits.
• 25:54
  Speaker 3: That that's all between you and your spouse and what
• 25:57
  Speaker 3: y'all had going on. Okay, but you know if y'all
• 26:01
  Speaker 3: had two houses, I mean y'all had a house together
• 26:05
  Speaker 3: and one of them, yeah said, I ain't gonna pay
• 26:09
  Speaker 3: on it. Both both of y'all gonna be hurt. Okayuse
• 26:15
  Speaker 3: both y'all on that. It ain't nothing. It ain't nothing
• 26:19
  Speaker 3: that neither one of y'all.
• 26:21
  Speaker 2: Y'all ain't getting away from each other day either, gotcha?
• 26:25
  Speaker 1: Gotcha? Gotcha. Is there anything else that you think the
• 26:31
  Speaker 1: people need to know as far as what you offer
• 26:36
  Speaker 1: and how they can reach you.
• 26:37
  Speaker 3: And you can follow me on on Facebook. Be on Facebook.
• 26:43
  Speaker 3: I'm a ages baby. I gotta I gotta learn the
• 26:45
  Speaker 3: TikTok and the instagrams and stuff. My mental got on
• 26:50
  Speaker 3: my head about that for the last month now, so
• 26:52
  Speaker 3: I'm I'm finna do better. But you follow me on Facebook,
• 26:56
  Speaker 3: Jay ferguson my number three three six five three six
• 27:01
  Speaker 3: four two three. You can call me anytime money through
• 27:05
  Speaker 3: Friday eight to eight anytime after that. I pretty much
• 27:10
  Speaker 3: like set appointments or schedule schedule calls. I do work
• 27:15
  Speaker 3: between eight and ten, but it's pretty much just schedule
• 27:19
  Speaker 3: calls only after their time frame. And basically I just won't.
• 27:24
  Speaker 3: I just want a community to get better with financial literacy.
• 27:30
  Speaker 3: They show us to work our butts off to make
• 27:35
  Speaker 3: a living, to work to survive, and they really get
• 27:38
  Speaker 3: us money to live a good life. We just gotta
• 27:41
  Speaker 3: be disciplined enough to accept it and do what we
• 27:45
  Speaker 3: gotta do to maintain it. And what I learned, if
• 27:51
  Speaker 3: you're willing to sacrifice six six months to a year
• 27:56
  Speaker 3: on a budget, work on your credit, it'll with you
• 28:00
  Speaker 3: three years ahead, and that I haven't found or top
• 28:04
  Speaker 3: to nobody that don't follow that game plan. And having said,
• 28:10
  Speaker 3: I'm up to two or three years of what I
• 28:14
  Speaker 3: thought I would be. You know, if you don't know
• 28:17
  Speaker 3: what's going out, you don't know what's coming in. That's
• 28:20
  Speaker 3: part of the problem. It don't matter if you said
• 28:23
  Speaker 3: vice versa.
• 28:25
  Speaker 2: You know better. You gotta set up a budget, gotta
• 28:29
  Speaker 2: be disciplined.
• 28:30
  Speaker 3: And I really, I really strongly believe when it comes
• 28:34
  Speaker 3: to our community and the people that that lack financially
• 28:37
  Speaker 3: see credit. It's the first step to get into discipline
• 28:42
  Speaker 3: and the consistency we need. Don't run from auto pay.
• 28:48
  Speaker 3: Out of pay is your best friend. That's that's your
• 28:51
  Speaker 3: first step is learning how to maintain your money. Because here,
• 28:57
  Speaker 3: if you know that bill is on out of pay
• 29:00
  Speaker 3: and you're gonna save money or whatever, you know, you
• 29:03
  Speaker 3: can't go to Matt Donald's. You know, you can't all
• 29:06
  Speaker 3: to the such and such because it's gonna come out
• 29:09
  Speaker 3: on that card. But once you, like I say, stay
• 29:11
  Speaker 3: down and get it maintained right, you will see it.
• 29:15
  Speaker 3: You'll start reaping the benefits, the small rewards, rewards yourself,
• 29:19
  Speaker 3: no matter how small the victory is. Reward yourself, be
• 29:23
  Speaker 3: grateful and just always be willing to learn.
• 29:29
  Speaker 1: It all.
• 29:31
  Speaker 4: I'm sorry, Yeah, that's pretty much it is.
• 29:35
  Speaker 1: It all tied in with like home own ship, Like
• 29:39
  Speaker 1: I know that you have to they have like new
• 29:45
  Speaker 1: homeowners situations and stuff. Does your credit really take a
• 29:51
  Speaker 1: hit with with doing it a certain way?
• 29:56
  Speaker 3: It only take a hit. Only take a hit if
• 30:01
  Speaker 3: you get started and don't do what you need to
• 30:03
  Speaker 3: do once you buy that property. Oh you know all
• 30:08
  Speaker 3: that not far as you can get property with bad credit.
• 30:13
  Speaker 3: But I don't recommend it because you just you just
• 30:16
  Speaker 3: already you're lose in front of start, you know what
• 30:19
  Speaker 3: I mean. Tell you a little bit about about me
• 30:22
  Speaker 3: and my wife's story. I have bad credit, she had
• 30:25
  Speaker 3: decent credit. When we first purchased a home. I was
• 30:29
  Speaker 3: willing to put a good amount of cash down because
• 30:32
  Speaker 3: I know it was me holding us back, you know
• 30:35
  Speaker 3: what I mean. And they looked at it and said, bro,
• 30:39
  Speaker 3: I'm sorry, you don't get yourself together. I can't help you,
• 30:44
  Speaker 3: but we can go this route. But the interest rate
• 30:46
  Speaker 3: was so high, like yeah, I might well get my
• 30:50
  Speaker 3: credit situated with Okay, So long story short, did the
• 30:55
  Speaker 3: process for six months, went back to the same Brotherton
• 30:59
  Speaker 3: and there the thing got the first home ownership because
• 31:04
  Speaker 3: my credit was good. Now I was willing to put
• 31:07
  Speaker 3: over six thousand dollars down with bad credit. With good credit,
• 31:14
  Speaker 3: what I said at the closing table, I won't say.
• 31:17
  Speaker 3: We paid just right at twelve hundred dollars for a
• 31:20
  Speaker 3: three bedroom, two badroom, you know what I mean. And
• 31:23
  Speaker 3: then a month later we got nine hundred and twenty
• 31:27
  Speaker 3: three dollars of it back of something from the escrow.
• 31:31
  Speaker 3: So pretty much three hundred and something dollars four hundred
• 31:35
  Speaker 3: dollars for a new home owner with good credit. One
• 31:38
  Speaker 3: hundred creus go on both parties, you know what I mean.
• 31:41
  Speaker 3: That's just my you know, everybody's very don't quote me,
• 31:45
  Speaker 3: you know whatever. Everybody's situation different. But it just shows
• 31:50
  Speaker 3: the difference of me with bad credit willing to spend
• 31:53
  Speaker 3: this amount of money when all I had to do
• 31:56
  Speaker 3: it get my shit together, and these people gave me money.
• 31:59
  Speaker 3: You know what I mean, I still save the money
• 32:01
  Speaker 3: that I was willing to put down on the home.
• 32:04
  Speaker 2: You know what I mean? That right there, I got
• 32:07
  Speaker 2: my you know, me.
• 32:11
  Speaker 1: Got you.
• 32:12
  Speaker 2: I got you.
• 32:13
  Speaker 3: Yeah, I recommend get credit if you want to make
• 32:20
  Speaker 3: any big purchase because interest is tired to anything that
• 32:23
  Speaker 3: we can't afford. But when you discipline and know what
• 32:28
  Speaker 3: you what you're doing, you can benefit from it and
• 32:33
  Speaker 3: use it to your advantage instead of being a crutch.
• 32:37
  Speaker 1: Okay, Well, it's always a pleasure to have you on
• 32:42
  Speaker 1: my show. You know, I'm bringing you back.
• 32:46
  Speaker 3: Yes, anytime. I'm gonna be on my laptop next time.
• 32:49
  Speaker 3: I'm sorry that y'all can't see my face like y'all
• 32:53
  Speaker 3: see me, like y'all feel my energy and stuff.
• 32:57
  Speaker 1: I'm gonna bring you back. I'm gonna bring you. We're
• 32:59
  Speaker 1: gonna run it because I do feel like your credit
• 33:05
  Speaker 1: is very important. And if you know there's outlets that
• 33:09
  Speaker 1: you can choose and use to to better your credit,
• 33:13
  Speaker 1: then why not. You know, my mama used to say,
• 33:17
  Speaker 1: you gotta spend money to make money, yes, and so
• 33:22
  Speaker 1: you know, investing yourself with doing credit repair if you can.
• 33:27
  Speaker 1: You know a lot of people may not be able
• 33:29
  Speaker 1: to afford it, and that's okay, but save towards you know,
• 33:33
  Speaker 1: better in yourself.
• 33:35
  Speaker 3: And see like it even got to the point, you know,
• 33:40
  Speaker 3: like when it comes to credit. It's really just about
• 33:44
  Speaker 3: applying yourself because you can repair yourself your credit for free.
• 33:49
  Speaker 3: I just recommend you to answer frue questions and you
• 33:54
  Speaker 3: know do if you're gonna do it yourself, just ask
• 33:57
  Speaker 3: the frue questions first so you won't read different things
• 34:02
  Speaker 3: and then be like, man, you know what this is confusing?
• 34:05
  Speaker 3: I see why they pay and you know stuff like that.
• 34:08
  Speaker 3: All you gotta do is just as that's the right
• 34:11
  Speaker 3: person and you they'll put you on the right track.
• 34:15
  Speaker 3: I'm gonna help you for free. I'm gonna show you
• 34:19
  Speaker 3: exactly how to how to do it.
• 34:21
  Speaker 1: And if you're not about to make me cry on
• 34:23
  Speaker 1: this podcast.
• 34:24
  Speaker 3: I'm gonna show you exactly how to repair credit and
• 34:30
  Speaker 3: and you're gonna be showing people how to repair credit with.
• 34:35
  Speaker 2: You.
• 34:35
  Speaker 3: Yeah, it doesn't even it ain't even as hard as
• 34:38
  Speaker 3: we think it is. It just costs a little money.
• 34:41
  Speaker 3: Like you said, invest in yourself. And I tell people
• 34:44
  Speaker 3: credit repair on how it's just house certified mail money,
• 34:49
  Speaker 3: right right. But you can do it yourself, you know
• 34:52
  Speaker 3: what I mean. It's just accountability. Just just do.
• 34:56
  Speaker 1: It, gotcha, gotcha? Well, I thank you and I appreciate
• 35:01
  Speaker 1: you for coming on tonight, and as I said before,
• 35:04
  Speaker 1: I'm going to bring you back, okay, so the people
• 35:08
  Speaker 1: can see put a face to the voice.
• 35:11
  Speaker 2: Yes, ma'am, Yes, ma'am, and thank you for having me.
• 35:14
  Speaker 3: I got a call at nine, so at nine thirty
• 35:18
  Speaker 3: I will be giving you a call if that's okay,
• 35:20
  Speaker 3: so we can play with the credit.
• 35:22
  Speaker 2: And you have a blessed night.
• 35:24
  Speaker 1: And thank you so much, you too, And I want
• 35:28
  Speaker 1: to thank everybody for tuning in tonight. I'll be back
• 35:31
  Speaker 1: on the fourth Friday of this month with my co
• 35:35
  Speaker 1: host d d and our well, my two of my
• 35:40
  Speaker 1: co hosts, my co host Doc Marylynd. So we will
• 35:44
  Speaker 1: be back on the fourth Friday of this month, trying
• 35:48
  Speaker 1: to help better your mental health. Until then, what's delayed
• 35:53
  Speaker 1: to you may not come when you want it, but
• 35:56
  Speaker 1: if it's meant for you, it won't be denied unto you.
• 35:59
  Speaker 1: To you later
• 36:06
  Speaker 2: M HM.