Avoid This $2,500 Credit Repair Scam – Learn the Real Fix | Khabir Muhammad DSH #531

I decided to create a credit fixer business.

So now you're able to actually onboard your clients.

You can add up to three or four VAs to work on their credit files

to actually send out your dispute letters.

We also have Credit Fixer Academy because education is very, very important.

Damn.

Yeah.

Bro, by the time

this comes out, we're going to have Credit Fixer Merchant Services.

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It helps a lot with the algorithm.

It helps us get bigger and better guests, and it helps us grow the team.

Truly means a lot.

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And here's the episode.

All right, guys, we got Kabir here today.

We're going to talk credit, and we're going to talk about your journey from Compton to DC, man.

Can't wait.

Thanks for coming on.

Man, it's an honor to be on your podcast, bro.

Absolutely, man.

I've been seeing your stuff, and I really think what you're doing is helping out millions of people.

Credit.

Thank you.

For sure, especially witnessing what you grew up in, right?

Those people that don't have access to information like that.

It's massive that you're providing that now.

Yeah, yeah, man.

Even me, though, I grew up, you know, middle class and I didn't get taught about credit growing up at all.

Yeah, neither did I.

I didn't learn about credit until, I want to say,

not college, after college.

I got my first credit card in college, like right before college.

Like I was late adolescence, so 18.

Yeah.

But

when I, I think I was like 25 when I really

got into credit.

I tried to get a home and had bad credit or I thought I had bad credit.

I just didn't have any credit.

And that was the issue.

And so for me, like I tried, you know, getting my credit fixed, right?

And I fell into the trap of, you know, one of these credit gurus who charge you like $2,000, $2,500 to, you know, fix your credit for you when you only have like inquiries that need to be removed.

But because you're ignorant, you think it's more than that.

Yeah.

Yeah.

You could just remove those for free yourself, right?

Oh, yeah.

Now you can call in and get them removed.

Yeah.

I'm sure back then you could have as well.

Yeah, I've used quite a few of those and I had no idea if they worked or not.

Yeah.

Some guy put a fraud alert on me.

I'm like, what the hell are you doing?

Man,

man.

I got a crazy story about that, but that's.

Yeah, there's some shady people in that space.

Oh, in the credit space, there's a lot of shady people, and that's that's why credit repair is considered high-risk

business due to like all these shady quote-unquote credit gurus who really just take people money.

Yeah, I'm sure they get a ton of chargebacks, so that's considered high-risk.

Exactly.

And the credit card companies and the sponsoring banks don't want to deal with that.

Wow.

Yeah, yeah.

And that's really one of the reasons why I created Credit Fixer.

Okay, yeah.

So talk to us about Credit Fixer.

What makes you different from other credit repair companies?

Yeah, yeah.

So Credit Fixer, I built Credit Fixer with the vision of empowering consumers with the knowledge, the tools, and the resources to fix their own credit, you know, because like me, like many, I was ignorant about credit.

I didn't know anything about interest or any of those things.

And so

like most people, you run into these credit repair gurus that charge you these exorbitant amount of, you know, fees to fix your credit.

And once I learned how to fix my credit, you know, I started my credit repair company and I was the opposite of that.

I only charge people $500 to do it.

Right.

And so

I ran into a lot of problems because like even having a credit repair company, like you have to manage all of these clients depending upon how fast you're scaling and how many files you have to deal with.

And so for me, being a software engineer, you know, that was like my profession.

I worked for Boeing and

Google and mainly Boeing and other private companies.

Yeah.

Right.

And so I had that skill set.

And so I bring that up because like when you're a software engineer, you think about scale.

How can you scale?

And like, you know, manually doing these things,

like these credit files.

And at the time, I was copying and pasting, you know, people's

names into different Google, I mean, Word files, right?

And pasting them, right?

Their accounts.

So you had TransUnion Experian and Equifax.

And I would have to manually copy these things before I even knew about softwares that were out there.

Right.

So I was manually doing these processes in my credit repair company.

Right.

and so

um

once i got to the point where i was like

ah man this is a lot i was like this is not scalable so i said you know what let me create this automator that's what i called it at the time and basically it would just take uh your negative accounts and your name and it'll automatically put it in a pdf generator and print it out for you so and that's that's how i actually started And so I created that and that got me, that got me pretty far up until, you know, it didn't.

Right.

And I was like, oh, wait, are there softwares out here that do this?

And I went and looked and there were softwares out there.

So I was like, and in software engineering, there's something called

dry.

Do not repeat yourself.

So because there were softwares out there, I was like, all right, I'm just going to use that.

And so I use the software, but

understanding like.

continuity and, you know,

intuitiveness in software.

I didn't see that in the credit repair softwares that were out there.

So I was like, man, this stuff is trash.

Let me go back to the drawing board.

And, you know, over the, it took me five years to, from the, from the time that I created that automator to build, to launch Credit Fixer.

Wow.

Five years?

Five years.

Making software is no joke, though.

Yeah, yeah.

So this started in 2016.

Wow.

So you really had a game plan because most people wouldn't want to wait that long.

Nah, not at all.

Like, um,

the way it's funny because I was still obviously working for companies, private companies.

And

what I would do is, because I had this vision and I wanted to

create a software, I would go to work,

get off at five, I would spend time with my family, and then around seven, seven thirty, I would go into my office and work from seven to like 2 or 4 a.m.

in the morning sometimes.

Holy crap.

For two years straight.

Damn.

Two years straight.

That's what I did.

80 hour work weeks yeah literally that's wild so that's the sacrifice people don't see on social media literally they don't they don't understand you know but i had a vision and you know nipsey hustle like his music helped me you know get through that you know yeah because you grew up in compton so he was probably a huge influence right man man absolutely absolutely so i lived i'm from compton but i went to school in la

and so and i lived in the crenshaw district as well so um i went to audubon middle school fun fact uh me and james harden went to the same middle school Damn.

Yeah.

Was he nice back then?

You know, he was a year younger than me.

Okay.

So you didn't see him play that much?

Nah, nah.

And then he transferred out

the next year.

But he was nice, though.

Okay.

Yeah.

What type of role models did you have at that age?

Like, did you have some positive role models?

I actually did.

You know, I have family members who, you know, gangbang.

Yeah.

But, you know, they kind of kept me away from that.

Okay.

But

yeah, man, I had the minister.

I had, you know, I'm a Muslim.

So

yeah, yeah.

So

the minister was a major, major influence on me.

But I had my dad, I had my uncles,

different coaches.

I was an athlete.

So, you know, they, that really helped me.

That kept me out of the streets because I was actually a fighter.

You'd like to scrap?

Oh, man.

I would say I had about 30 fights before I finished high school.

Holy crap.

So that was like, I actually had to go through anger management in middle school.

What was the win-loss on that?

I lost my first fight.

Okay.

So you're 29 and one?

29 and 1.

Damn.

That was my first fight.

So you were nice.

I got hands.

How'd you lose the first one, though?

Funny story is I was,

there was this, this older kid.

He was probably like 12 or 13.

He's about 12, I would say.

I was about nine and he was messing with my best friend at the time.

And so I go trying to defend my best friend and, you know, talking to him, cussing at him.

And then

he goes and tells his auntie.

And so I'm living in Compton at the time.

I'm young.

And

his auntie, I mean, his grandmother, I'm sorry, his grandmother comes and

knocks on our door.

Yeah.

And she tells him, tells my dad, hey, my grandson want to fight your son.

And my dad was like, cool, come outside.

My heart is racing.

Right.

And the whole apartment complex come out and they're watching.

Yeah.

Man.

And

the guy steph to me, he's bigger.

He's bigger, stronger.

And I just fall.

I didn't even put up a fight.

I mean, three years at that age is a lot because that's like fourth grade versus first grade.

I mean, yeah,

you're going a lot at that age.

Two inches a year, probably.

So, yeah, man, I'm skinny.

I was a very skinny kid.

So, yeah.

So, your dad just sent you off to the slaughterhouse.

Yeah, he said, Because my dad is like, man, like, you, you, don't be afraid of anything but a lot.

You know, and you're going to, he said, it's not, my dad taught me, he said, it's okay to be fearful, but it's not okay to not

face your fears.

Like, it's okay to be, to have fear, but it's not okay for you not to try to conquer your fear.

So that's kind of how that stuck with me.

Right.

So after that fight, he talked with me.

It was like, yeah.

That's powerful.

And you also got to back your talk too.

Yeah, for sure.

So you probably learned that that day.

So I learned to shut up.

I love that.

Yeah.

Were you pretty shy, reserved growing up?

I wasn't.

But I am like, to be honest with you, I'm more of a, I like to be in the background.

Yeah.

Like that.

I feel so much more comfortable being in the background i like to let allow other people shine okay like i i get happy when other people are successful right you know and uh

that just gives me joy like everybody having a good time like if it's my birthday i i could care less about it being my birthday i would rather have people enjoy their time you know around me dude i feel that because when i have my birthday dinners i care more about if other people are going to enjoy it than myself Bro, I know that to be true because you invited me to your event like a couple months back, bro.

And like you were just making sure everybody was good.

Like you were taking photos with everybody.

It was like, you're good.

Like, I was like, man, I never met this guy, but he has a good little vibe.

That's the mindset I have because I know it'll come back to me, too.

I believe in karma.

Yeah.

So I'm always just putting out good energy.

I'm not out here trying to scam or do anyone wrong because that comes back to you, dude.

And that's what people don't think about when they're doing mischievous things.

Yeah, for sure.

Like, I've never met a scammer that long term.

They kept all the money.

Nah.

It doesn't happen.

It's fleeting, man.

It's super fleeting.

It's very, very

good.

You got to change that mindset.

But so how old were you when you left that environment?

I moved from Compton when I was 10.

I actually moved to Vegas when I was 14.

So I finished school in Vegas.

Okay.

And was that a family financial decision to move to Vegas?

Yeah.

My mom definitely wanted to get me out of Los Angeles so that I could, she always knew I was a very smart child.

Like I was like math came easy to me.

You know um

it was just so easy for me like i did it just enough to get a b because i was an athlete as well i played baseball basketball football and i was pretty talented at all of them

but you know

school was just boring to me yeah yeah so i just did it enough to get a b and then you know school was so boring dude yeah yeah man like you know i ended up making it to college and everything so wow you graduated yeah damn yeah college you you graduated?

Yeah.

Dude.

Bachelor's in computer science.

Okay.

From Morehouse College in Georgia.

Shout out Morehouse.

That's impressive, man, because a lot of my guests don't make it through.

Yeah.

I mean, you know what?

I often say, like,

I would rather my children, I can't say that.

College, I think

it's cool,

but life teaches you more.

Like experience teaches you more than theory.

Right.

Right.

Cause you got like

business

instructors or business at Harvard, business instructors at Harvard that just teach theory, but don't even own a business.

Right.

You know what I mean?

That's what got me, dude.

My marketing professor had four failed companies and was teaching, which is fine.

Like, don't get me wrong.

I've had failed companies, but I'd rather learn from someone actively in business than an 80-year-old that had failed companies 30, 40 years ago.

What am I going to learn from that?

Because there's so much that you learn

that you don't understand in theory.

Like, you have to actually experience it because things change in business you have to understand like

The the up the the your summer your winter your falls in business Yeah, like a lot of people quit because it's the fall right now for your business not realizing that

Your spring is coming for your business and you got to understand those different aspects of your business and for me man There's there's been some slow months There have been some amazing months, but now there's been times where I wanted to quit.

You know what I mean?

You know, especially when I was developing the software, seeing other softwares come out.

I'm just like, damn, should I even continue doing this?

I'm staying up at 2 a.m.

in the morning, 4 a.m.

in the morning, trying to figure stuff out.

Yeah.

When I'm finished with this, is anybody going to even purchase the software?

For real.

Yeah.

There's a mental side of entrepreneurship that's not talked about enough.

Yeah.

I've had those same thoughts, dude, quitting.

great months.

Even with this podcast, some months are amazing.

Some months are really slow.

Yeah.

Yeah.

But you can't put all your eggs in one basket too.

Yeah.

nah, you can't.

I've learned that in crypto, man.

Oh, you, you, you, I got wrecked.

Really?

Yeah.

Did you have any moments where you lost everything?

Um,

with credit fixer, just in general, like all your money or

nah, I've never lost everything,

but

uh, you know, I've been in positions where I was at the top.

Like, for instance, when I was working at Boeing, I was probably making like $18,000 a month.

Wow.

Yeah.

At Boeing?

At Boeing.

Damn.

I was a hacker for Boeing and a software engineer for Boeing.

Hacker.

Yeah.

Yeah.

What does that do?

So essentially we were hacking all the CEOs.

Boeing paid us to hack the CEOs within Boeing.

That's hilarious.

Yeah, because when you're dealing with so much information and data,

you're responsible for that.

Yeah.

And so

if your password is literally password,

you saw someone that did that?

Oh, yeah.

We had plenty of CEOs that their password was either their daughter's name or their birth date.

Like, it's like, dude, like, nah.

And so

it's funny because I would go into their office and I would just, you know, fix their, fix their Blackberry.

Yeah.

Right.

And

I would put tracking software on there and key loggers.

Yeah.

You can see what they're typing.

Yeah, yeah.

And, yeah.

And they paid you to do that.

Yeah, Boeing, because they're trying to secure their company.

Interesting.

Are you interested in coming on the Digital Social Hour podcast as a guest?

Well, click the application link below in the description of this video.

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And here's the episode, guys.

They're in the news a lot lately.

Have you been seeing that?

Yeah.

You know, what's funny is...

When I was there, I remember when Boeing was like trying to rush these 787s out.

They were like, we're behind schedule.

and they were competing with Airbus.

Okay.

Airbus was just pushing out planes and we were behind.

And so a lot of the other companies who were purchasing Boeing's planes were just saying, you know what, we're going to go with Airbus.

So I can understand now why they were skipping steps because that's the issue right now.

That's crazy.

You can't do that in business because now look at the lawsuits.

Oh, yeah.

And now they're going to lose so many customers.

I mean, they're probably losing airlines, like entire airlines as customers.

They are.

Delta is really going with the Airbus.

and i actually flew airbus here yeah yeah how was it it was great first you fell asleep you said i did yeah and you sold a credit uh to that's what i like about you because you're always networking i love that yeah man i the girl next to you you were talking to it's amazing credit fixer really just sells itself once people understand what credit is credit fixer is about and what it's for who's it for and like all the different verticals that credit fixer has within it like they just fall in love with it yeah so is the 500 a yearly payment how does it work for credit Fixer?

So Credit Fixer has, okay.

So Credit Fixer, the foundation of Credit Fixer is to empower consumers.

Right.

And so we started, like, started out creating a software that's specifically for credit, uh, DIY users.

So we created a DIY platform.

And so that is $49 a month.

And then we also have a family plan where, which is similar to like a phone plan, to where you can add three friends or family and they can also fix their credit themselves.

And that's $99 a month, right?

Wow.

And so once I finished that,

I created Credit Fixer Business.

Now, Credit Fixer Business allows credit repair companies to actually fix credit for their clients.

So you remember those softwares that I was using to fix credit for my clients that I didn't like, that weren't intuitive and

intuitive.

I decided to create Credit Fixer Business.

So now you're able to actually onboard your clients.

You can add up to three three or four VAs to work on their credit files.

I even went as far as creating Credit Fixer Mailer, which is our own mailing service.

So you don't even have to leave the comfort of your home to actually send out your dispute letters, first class or certified mail.

And we're working on priority mail as well.

Love it.

We included ChatGPT in the platform.

We also have Credit Fixer Academy because education is very, very important

for

our vision and what we want to do with Credit Fixer.

And it's foundational to our vision.

And so we have Credit Fixer Academy.

We got Credit Fixer School that we're about to release.

Damn.

Yeah.

Bro, we got it.

We even, we're,

by the time

this comes out, we're going to have Credit Fixer merchant services.

Holy crap.

So you're going to be doing payment processing?

Absolutely.

Like strike.

I know the owners of Deposit.

Have you heard of that one?

I have with a Y.

Dude, they're printing.

I mean, yeah, with a Y.

Yeah, they're printing, man.

If you get into that and you land like 100 big accounts, you're set for life.

Yeah.

You get a percent of every sale.

And tell me, so in that, see, I understand these things.

I do a lot.

I read a lot, actually.

And so

I'm reading one of the books that I'm reading right now is The Bezos Letters.

And Jeff Bezos is a, man, he's a brilliant.

He's probably a savant in business.

For sure.

Yeah.

And so essentially, Jeff Bezos, he would write these letters to his shareholders, which he calls share owners.

And so every year he would write them telling them about the business, how the company is going.

And so an author would compile these end-of-the-year

letters that he was in.

And he basically understood that he had like 14 principles.

And

he broke those principles up into three phases, build, accelerate, and scale.

Yeah.

Right.

And one of the

dopest chapters for me is the flywheel principle.

It's under the build stage.

Right.

And essentially, it talks about how, and this let me know, like, man, I was on the right track of what I'm doing because you have Credit Fixer Business, Credit Fixer DIY, Credit Fixer Family Mailer, all these different verticals within Credit Fixer.

And it's almost like a flywheel.

Right.

And so if you notice what Jeff Bezos has been doing with Amazon, he has, of course, you got Amazon stores.

You got

Audible.

He acquired Whole Foods,

Twitch, you see.

So what he did was, and his vision has always been like this.

I think he wrote this particular letter back in like 1998, I want to say.

Damn, that was when I was born.

That's crazy.

Man,

so his vision has always been there.

And like, you know, for me, like, credit repair is what we're solving.

Like, I mean,

that's one of the problems that we're solving with Credit Fixer.

Yeah.

But for me, like, I had to go from being a CTO to a CEO.

So that's why I'm like studying like these different CEOs in the, in the space, because I have to think on a different level.

Yeah.

Right.

So I'm not a credit repair specialist.

You know, I have people on my team who are, right?

But my vision is to empower every individual.

who chooses to want to understand and fix their own credit to use our platform.

Right.

And so for me, like understanding how to be a CEO, how to run a company, how to keep and continue to grow my vision and scale it has been very, very important for me.

So that's what I've been doing for the past like couple years.

I mean, couple this year rather.

Yeah.

Yeah.

Well, that's smart because you're treating it like an umbrella.

So you got a lot of different companies, but it's all the same industry almost.

Yeah.

You're serving almost all their business needs.

Absolutely.

Yeah.

I like that, man.

Cause now you could fix their credit, get them a payment processor, eventually do banking maybe or something.

Yeah.

Man.

I see the vision.

I even,

we're about to release a white label and co-brand of credit fixer.

Yeah, that's a go-high level type stuff.

Exactly.

Yeah.

Yeah, those guys are crushing it.

We already acquired two

white label customers.

Nice.

And we haven't released it yet.

And so.

That's going to be massive.

I got to see the software, man.

Yeah, man.

Sounds super useful.

Yeah, I would love to have demoed it, but you know, I understand.

Yeah, we could pull, we could uh take some b-roll and add it in, no doubt.

Yeah, and I think people need this.

So, when you look at someone, what type of credit score are you aiming?

Because you hear 800, but is that necessary to accomplish what you need?

And 800 is not necessary, it looks amazing, though, to have right 850, 800.

I mean, 850 is as high as you can go.

Um,

you know, funny story is like

when I've got my credit fixed, right, um,

I got 150,000 in personal credit with a 680.

wow yeah it's pretty good that was five years ago damn yeah yeah 680 is not even like that high it's considered good it is right okay well 680 to 740 is good credit yeah excellent is above that got it so you really only need high 600s then yeah it depends on the bank right yeah it depends on the bank and honestly your credit score is not that important your credit profile is what's important and see a lot of people there like i need a 700 i need a 700.

No, you really need to understand how to structure your credit report, right?

You need to understand like what the banks are actually looking for, right?

And that's why the educational portion is so important.

See, people get our ignorance, it is our biggest enemy, and that's one of the reasons why, like,

knowing how to fix your credit and knowing about having financial literacy is so important.

And that's why I don't get so caught up on

you know

just a credit score.

Yeah, and it it seems like there's so many credit gurus on social media and information about how you could get to an 800, and that's what people obsess over.

Yeah.

Yep.

But there's a lot more they need to know than just trying to get an 800.

Exactly.

And that's how they get you.

Oh, yeah.

I get the videos.

I get ads daily for credit repair.

Yeah.

Every single day, man.

These guys are because their margins are so high, they could just afford to be spending ads, buying shoutouts, and all this stuff.

Yep.

I mean, they're charging $2,500 to fix a report.

Their cost is probably, what, like $200?

If that.

So, yeah, they're making over 90% margin.

Yeah.

Pretty crazy.

To me,

it's sickening, honestly, to, you know,

to feed on people's ignorance.

They know people don't know.

They know people don't care to know.

They just want better credit.

They understand their pain points and they just go for it.

Like, hey, I know you want a 700.

I can fix your credit.

Even though.

you don't necessarily have a credit problem.

You might have a utilization problem.

So you probably might need a trade line to bring down that uh utilization that you have or you just need to get you another credit card that would allow you to bring that uh utilization down and that honestly that's that was like my issue um i had one credit card for i think the credit card was like a 1500 credit card and i utilized i want to say

1100 of that that credit that credit limit like 80 yeah and it dropped my score down yeah and so and i had a late payment and I want to say like eight inquiries because I was applying for things and I couldn't.

They weren't, you know,

giving me the credit.

And now there's people charging for trade lines.

They're charging for credit card applications, all this stuff.

It's crazy, bro.

Right.

Right.

They charge a percent of the credit limit they get you in funding.

They're going to take 10%.

Yeah.

So if they get you 100K, they take 10K just for applying.

Yeah.

It's wild.

It takes five minutes to apply.

It's wild, man.

And it's,

yeah, i

i try not to like diss anybody on in this space you know yeah and it's easy to go down that road i try to do the same yeah i think karma will will come for everyone but there are some other credit myths i want to talk about so are there more than three credit bureaus yeah

credit bureaus there credit bureaus is the the

the quote-unquote term for credit reporting agencies.

And yes, there are, I think, over a thousand credit reporting agencies.

Now you have three main credit reporting agencies, aka credit bureaus, that's TransUnion, Experion, and Equifax.

But there's some underlying lesser-known credit reporting agencies that actually

collect information on consumers as well.

And essentially,

the three main credit bureaus, we'll call them credit bureaus, they purchase that information from these smaller or lesser-known credit reporting agencies so that they can, you know,

determine whether you actually owe a debt or own own the debt and so that's how they pretty much you know qualify you and why are all the scores different on each one of them so you have different oh but that's because they can't talk to each other these are actually privately owned companies

and because they're privately owned they can't share data about you it's like it's like

Facebook buying information from Netflix.

Everybody found out that they were selling the information to each other.

That's actually illegal to do.

Really?

Yeah, because

you didn't approve of it right your information should be that's your

exact platform exactly so you unless you allow them to share with third parties then it's not illegal

and so um

um where was i going with that um the scores are different because of that they're not allowed to share information right so they're supposed to collect that information every and report it every 30 days individually and can't share that information so a lot of times what they do is they will buy that information from or purchase these smaller, lesser-known

credit reporting agencies

because they have all that data.

That makes sense.

When it comes to consumer rights, where can people get more educated on that part of the business?

Yeah, so you can go to the CFPB, you can go to

Fair Credit Reporting Act.

That's where all the laws are housed, written by Congress to protect consumers.

You got the FDCPA that deals with collectors or creditors directly.

You got the Gramley's Bailey Act.

You have, there's so many laws that protect consumers that we don't know.

Right.

And, you know, essentially these credit reporting agencies, if they're going to report information about you, which you never gave them permission to do, right?

They never, you never called them and say, hey, TransUnion, you can, you know, report this information.

And so

it has to be 100% accurate, complete.

And that information has to be like that across the board, right?

Otherwise, it must be removed.

Wow.

So that's what with like hard increase and late payments specifically, that's where that kicks in, right?

Yes, correct.

Got it.

Yeah, because sometimes these guys be coming at you, man.

And they're like, how'd you get my info?

Like, even when you apply for credit, if you didn't receive any benefit from that application,

then they have to prove that.

you applied for it, right?

They have to prove that you actually received something from it.

But you can,

I'm not, I'm no credit repair expert expert anymore.

Like, I used to be a quote-unquote credit repair expert, so I understood all the laws.

Yeah.

You know, so I won't act like I can speak to it to that degree.

So I won't.

But

yeah, if you didn't receive nothing from these inquiries, you can get those removed.

Even if they deny the credit card?

They deny it.

Yeah.

Get it removed.

Some people keep those on and they'll have like 10 hard inquiries for two years.

They last straight up.

Yeah, they have to prove that you applied for the credit.

Yeah.

So they need your IP address, then?

Not necessarily.

I love it.

Well, dude, where can people learn more about this?

And do you have any mentorship or coaching?

Yes.

So we have a Facebook group right now, the Credit Fixers.

We actually have our own Credit Fixer Academy.

So you can sign up for Credit Fixer Academy where

you can actually learn.

We have tutorial videos.

I'm not sure if you've ever seen Udemy.

Yeah, I've seen Udemy.

So I actually built it out like that.

Okay.

Because the vision for that is to also bring other financial educators to actually put their content in there as well.

But we have a wonderful team, Lucia, who's she's our credit expert, and she's putting more and more new content in there.

So

you can go there.

That's within the Credit Fixer platform.

So you just go to creditfixer.com.

That's credit, F-I-X-R-R.com.

There's no E.

So we have that.

We have a webinar.

We have webinars.

We have a Credit Fixer challenge challenge that we're launching again cool yeah so i mean link it below yeah yeah yeah for sure yeah we'll link it all below the man any uh closing words or messages you want to get across yeah man

you truly have where's the camera right here right there you have the power to take control of your own credit you don't need to pay anybody to do it for you i mean obviously

not everyone wants to fix their own credit And that's part of the reason why I created credit fixer business.

So I'm not taking anything away from the great, these, some of these great credit repair companies because there are some legit credit repair companies out there.

But, you know,

Credit Fixer is there to empower you, empower your family, your legacy, your future to have this knowledge.

So anytime your credit goes bad, you know exactly what to do to fix your credit and you have a tool to do it, leveraging Credit Fixer.

So I'm really honored to be on your podcast, bro.

You've had some great people come through here.

Yeah, man, I'm just, I'm just honored to be aware of it.

Thanks a lot, man.

You shared a lot of value today.

Thanks, thanks a lot.

It means a lot.

Thank you.

Awesome, guys.

We'll link everything below.

If you need some credit help or you know anyone that does, please click the website.

Otherwise, see you tomorrow.