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

Starting point is 00:00:00 I decided to create 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 the credit files. To actually send out your dispute letters. We also have Credit Fixer Academy because education is very, very important. Damn. Yeah. Doing a lot, man.

Starting point is 00:00:20 Bro. By the time this comes out, we're going to have a credit fix for merchant services. Wherever you guys are watching this show, I would truly appreciate it if you follow or subscribe. 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. Thank you guys for supporting, and here's the episode. All right, guys, we got Kabir here today.

Starting point is 00:00:44 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.

Starting point is 00:01:11 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 right before college. I was late at adoles adolescent so 18 yeah um 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 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 because you're ignorant. You think it's more than that. Yeah. You could just remove those for free yourself, right? Oh, yeah. Now you can call in and get them removed. Yeah.

Starting point is 00:02:08 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, I got a crazy story about that. Yeah, there's some shady people in that space. Oh, in the credit spaces, there's a lot of shady people.

Starting point is 00:02:29 And 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. You know, credit card companies and the sponsoring banks don't want to deal with that. Yeah, I'm sure they get a ton of chargebacks, so that's considered high risk. Exactly. And, you know, credit card companies and the sponsoring banks don't want to deal with that. Wow.

Starting point is 00:02:47 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 a 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,

Starting point is 00:03:12 you run into these credit repair gurus that charge you these exorbitant amount of 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 charged people $500 to do it. Right. And so, um, I ran into a lot of problems cause 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's 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

Starting point is 00:03:56 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, these credit files. And at the time I was copying and pasting, you know, people's names into different Google, I mean, Word files. Yeah. 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.

Starting point is 00:04:29 Right. And so once I got to the point where I was like, 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 your negative accounts and your name and it'll automatically put it in a PDF generator and print it out for you. And that's how I actually started. And so I created that and that got me pretty far up until it didn't. And now I was like, oh wait, are there softwares out here that do this and i went and look and there were softwares out there so i was like in in in software engineering there's something called um dry do not repeat yourself so because there were softwares out there i was like all

Starting point is 00:05:17 right i'm just going to use that and so i used the software but understanding like continuity and, you know, uh, into intuitiveness and 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, uh, to launch credit fixing. Wow. Five years, five years making software is no joke then. Yeah. Yeah.

Starting point is 00:05:48 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,

Starting point is 00:05:57 the way it's funny because I was still obviously working for companies, uh, private companies. And, um, 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, 7.30, I'm going to my office and work from seven to like two or four a.m in the morning sometimes for two years straight damn two years straight that's what I did 80 hour work weeks yeah literally

Starting point is 00:06:32 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 Hussle 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 yeah yeah was he nice back then um you know he was a year younger than me okay so you didn't see him play that much no no and then he transferred out the next year he but he was nice though okay yeah what type of uh role models did you have at that age like did you have some positive role models i i actually did you know i have family members who you know gangbang yeah but um you know they

Starting point is 00:07:21 kind of kept me away from that okay but um yeah man i had the minister i had you know i'm a muslim so wow yeah yeah so um the minister was a major major influence on me but i had my dad i had my uncles um different coaches i was an athlete so yeah you know they that really helped me that kept me out of the streets because i was 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 1 29 and 1 damn that was my first fight so you were nice i got hands i-1. Damn. That was my first fight. So you were nice. I got hands. How'd you lose the first one, though?

Starting point is 00:08:08 Funny story is I was, there was 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 um 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 my knocks on our door yeah and she tells him tells my dad hey my grandson want to fight your son

Starting point is 00:08:41 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 um the guy stepped to me he's bigger he's bigger stronger and i just 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. Yeah, man. I'm skinny. I was a very skinny kid. So your dad just sent you off to the slaughterhouse.

Starting point is 00:09:11 Yeah, because my dad is like, man, don't be afraid of anything but Allah. You know, he said it's not. My dad taught me. He said it's okay to be fearful, but's not okay to not um face your fears like it's okay to be to have fear yeah but it's not okay for you not to try to conquer your fear so that's kind of how that 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 Yeah, for sure. So you probably learned that that day. So I learned to shut up. I love that.

Starting point is 00:09:47 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.

Starting point is 00:10:03 Like I get happy when other people are successful, you know, and, uh, that just gives me joy. Like everybody having a good time. Like if it's my birthday, 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. Cause 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 yeah, you invited me to, uh, your event like a couple months back bro and like you were just making sure everybody was good like for sure taking photos with everybody was like you're good like i was like man i never met this guy but he has a good little vibe so that's the mindset i have because

Starting point is 00:10:38 i know it'll come back to me too i believe in karma yeah yeah so i'm always just putting out good energy i'm not out here trying to scam or do anything 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.

Starting point is 00:10:57 It's fleeting, man. It's super fleeting. It's very, very. Yeah. You got to change that mindset. 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.

Starting point is 00:11:12 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. 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,

Starting point is 00:11:40 and I was pretty talented at all of them. But, you know, school was just boring to me. Yeah, so I just did 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. Wow, you graduated? Yeah. Damn.

Starting point is 00:11:59 College 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

Starting point is 00:12:18 it's cool like but life teaches you more like experience teaches you more than theory right right because you got like business um 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 yeah 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 understand like the, the up, the, the, your summer, your

Starting point is 00:13:07 winter, your falls in business. Like a lot of people quit because it's the fall right now for your business. Not realizing that, uh, 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've been some amazing months, but now there's been some slow months there's 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 all right is it when i'm finished with this is is anybody gonna even purchase the software

Starting point is 00:13:45 for real yeah there's a mental side of entrepreneurship that's not talked about enough yeah i've had those same thoughts dude quit in 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 no you can't i've learned that in crypto man oh 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 no 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. What does that do? So essentially

Starting point is 00:14:35 we were hacking all the CEOs. Boeing paid us to hack the CEOs within Boeing. That's hilarious. Yeah. Because when you dealing with so much information and data, um, you're responsible for that. Yeah. And so, uh, if your password is literally password, wait, 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. It's like, dude, like, no. And so it's funny because I would go into their office and I would just, you know, fix their BlackBerry. Yeah. Right?

Starting point is 00:15:16 And I would put tracking software on there and key loggers. Yeah, yeah. I could see what they're typing. Yeah, yeah. Wow. Yeah. And they paid you to do that? Yeah, Boeing. on there and key loggers yeah i can see what they're typing uh yeah yeah and uh 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 we'll click the application

Starting point is 00:15:37 link below in the description of this video we are always looking for cool stories cool entrepreneurs to talk to you about business and life, click the application link below, 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.

Starting point is 00:15:58 They were like, we're behind schedule, and they were competing with Airbus. 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.

Starting point is 00:16:19 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 the credit uh to that's what i like about you because you're always networking i love that yeah man the girl next to you you were talking to it's

Starting point is 00:16:43 amazing credit fixer really just sells itself. Once people understand what Credit Fixer is about and what it's for, who's it for, and all the different verticals that Credit Fixer has within it, 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...

Starting point is 00:17:02 Okay. So Credit Fixer, the foundation of Credit Fixer is to empower consumers, right? And so we started out creating a software that are specifically for credit DIY users. So we created a DIY platform. And so that is $49 a month. And then we also have a family plan, 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 and so uh once i finished that i 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 yeah, intuitive. I decided to create a fix for business. So now you're able to actually onboard your clients. You can add up to three or four VAs to work, work on the credit files. I even went as far as creating credit fixer Mailer,

Starting point is 00:18:10 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. 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

Starting point is 00:18:39 that we're about to release. Damn. Yeah. Doing a lot, man. Bro, we got it. We even, we're, by release. Damn. Yeah. Doing a lot, man. Bro, we got it. We even, we're, by the time this,

Starting point is 00:18:48 this, this comes out, we're going to have a credit fix for merchant services. Holy crap. So you're going to be doing payment processing? Absolutely. Like Stripe.

Starting point is 00:18:55 I know the owners of Deposit. Have you heard of that one? I have, with the Y. Dude, they're printing. I mean, yeah, with the Y. Yeah, they're printing, man. Yeah. If you get into that

Starting point is 00:19:04 and you land like a hundred big accounts, I mean, you're set for life. Yeah, they're printing, man. Yeah. If you get into that and you land like 100 big accounts, I mean, 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.

Starting point is 00:19:15 Yeah. 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 company is going and so an uh an author would compile these end of the year um letters that he was in and he basically understood he had like 14

Starting point is 00:19:52 principles and um and he broke those principles up into three phases build accelerate and scale yeah right and one of the um 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 with amazon he has of course you got amazon stores you got um audible yep he acquired uh whole foods yeah you see so what he did was in his vision has always been like this i think he wrote this particular uh letter back in like 1998 i want to say damn that was when i was born that's crazy man so he his vision has always been there in like you know for me like credit repair is what we're solving like i mean that's that's a that's one of the problems that we're solving is with with credit fixer yeah but for me like i had to go

Starting point is 00:21:03 from being a cto to a ce. 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 yeah has been very very important for me so that's what i've been doing for the past like a couple years i mean a 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

Starting point is 00:21:49 almost yeah you're serving almost all their business needs absolutely yeah i like that man because now you could fix their credit get them a payment processor eventually do banking maybe or something yeah i got man i see the vision i even um we're about to release a white label and co-brand of credit fixer yeah that's like go high level type stuff exactly yeah yeah those guys are crushing it we already uh acquired two um white label customers nice and we haven't released it yet and so that's gonna be massive I gotta see the software, man. Yeah, man. It sounds super useful. Yeah, I would love to have demoed it, but I understand.

Starting point is 00:22:29 Yeah, we could 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? 800 is not necessary. It looks amazing, though, to have, right? 850, 800.

Starting point is 00:22:46 I mean, 850 is high as you can go. You know, funny story is like when I've got my credit fixed, right? I got 150,000 in personal credit with a 680. Wow. Yeah. That's pretty good. That was five years ago.

Starting point is 00:23:04 Damn. Yeah, yeah. 680 is not even like that high. That'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, wow. A 680 to 740 is good credit.

Starting point is 00:23:13 Yeah. Excellent is above that. Got it. So you really only need high 600s then? It depends on the bank, right? Yeah. It depends on the bank. And honestly, your credit score is not that important.

Starting point is 00:23:24 Your credit profile is not that important your credit profile is what's important and see a lot of people they're 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 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 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 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

Starting point is 00:24:13 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 shout outs and all this stuff yep i mean they're charging 2500 to fix a report their cost is probably all this stuff. 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.

Starting point is 00:24:33 To me, it's sickening, honestly, to feed on people's ignorance. They know people don't care to know. They just want better credit. Yeah. They understand they're paying 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.

Starting point is 00:24:58 So you probably might need a trade line to bring down that utilization that you have. Or you just need to get you another credit card that utilization that you have, or you just need to get you another credit card that would allow you to bring that utilization down. And now, honestly, that was like my issue. I had one credit card for, I think the credit card was like a $1,500 credit card. And I utilized, I want to say 1,100 of, that credit, that credit limit. Like 80%. Yeah. And it dropped my score down.

Starting point is 00:25:27 Yeah. And so, and I had a late payment and I want to say like eight increase 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 or charging for credit card

Starting point is 00:25:41 applications, all this stuff. It's crazy. Right. Right. They charge a percent of the credit limit. They get you in funding they're gonna take 10 yeah so they get you 100k they they take 10k just for applying yeah it's wow it takes five minutes to apply it's wild man and um it's yeah i i try not to like diss anybody anybody in this space.

Starting point is 00:26:05 Yeah, that's easy to click on. I try to do the same. I think karma 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. Credit bureaus is the quote-unquote term for credit reporting agencies. And yes, there are, I think, over 1, for credit reporting agencies. And yes, there are, I think,

Starting point is 00:26:26 over a thousand credit reporting agencies. Now you have three main credit reporting agencies, AKA credit bureaus, that's TransUnion, Experian, 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,

Starting point is 00:26:48 we'll call them credit bureaus, they purchase that information from these smaller or lesser known credit reporting agencies so that they can determine whether you actually owe a debt or own the debt. And so that's how they pretty much qualify you. And why are all the scores different on each one of them? So you have different,

Starting point is 00:27:09 oh, 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 Facebook buying information from Netflix. Everybody found out that they were selling information to each other. That's actually illegal to do. Yeah.

Starting point is 00:27:30 Because you didn't approve of it. Right. Your information should be kept on that platform. Exactly. So 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 reported every 30 days individually and can't share that information.

Starting point is 00:27:56 So a lot of times what they do is they will buy that information from or purchase these smaller, lesser known, um, uh, 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 cfpb you can go to uh 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 uh collectors or creditors directly um 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

Starting point is 00:28:43 right they never you never called them and say do, right? You never called them and said, hey, TransUnion, you can 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 hard increasing late payments specifically, that's where that kicks in, right? Yes. Correct. Got it. Yeah. Cause sometimes he's got to 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

Starting point is 00:29:16 receive any benefit from that application, then they have to prove that you applied for it, right? They have to approve that you actually received something from it it but you can i'm not i'm no credit repair expert like 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 um but um yeah if you didn't receive nothing from these inquiries like you can get those removed you know even if they deny the credit card they deny it yeah get it some people keep those on and they'll have like 10 hard inquiries for two years they last right yeah they have to prove that you apply for the credit yeah so they need your ip address done uh not necessarily. I love it.

Starting point is 00:30:07 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.

Starting point is 00:30:27 Yeah, I've seen Udemy. So I actually built it out like that 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.

Starting point is 00:30:46 That's within the Credit Fixer platform. So you just go to creditfixer.com. That's creditfixer.com. There's no E. So we have that. We have a webinar. We have webinars. We have a Credit Fixer Challenge that we're launching again.

Starting point is 00:31:01 Cool. Yeah. So I mean. Link it below. Yeah. Yeah. Yeah. For sure. Yeah. We'll link it below. Yeah, yeah, for sure. Yeah, we'll link it all below, man.

Starting point is 00:31:06 Any 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,

Starting point is 00:31:20 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 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 on. Thanks a lot, man. You shared a

Starting point is 00:31:59 lot of value today. Thanks. Thanks a lot. It means a lot. 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.

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

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