Digital Social Hour - Unveiling Credit Hacks: Credit Expert Reuben DeLeon | Digital Social Hour #49

Episode Date: July 18, 2023

Hey there, friends! Have I got an episode for you that's going to blow your mind and revolutionize the way you think about credit. So, picture this: at just 19 years old, I had a whopping $200,000 in credit cards. Crazy, right? In our latest episode, my awesome co-host Wayne and I dive deep into credit hacks, including the incredible method of building credit for homeless individuals. But that's not all, we also have a special guest joining us - the incredible Reuben Deleon! Trust me, you don't want to miss his insights on this topic. Now, let's talk about the power of credit points. I'm talking about having millions of points that equate to tens of thousands of dollars in free travel. Who wouldn't want that, right? We'll discuss the best ways to redeem those points, especially when it comes to flights and long-distance travel. And hey, ever wondered about the best airlines to use those points? We've got you covered. We'll dive into factors to consider and even share our personal favorite, Emirates. But wait, there's more! We'll also unveil some shocking credit hacks, including an unethical practice involving homeless individuals and building credit through fraud. It's a wild ride, but hey, we're here to educate and inform. And speaking of education, you won't want to miss our stories of personal credit journeys. From starting with nothing to accumulating jaw-dropping amounts of credit, Wayne and I are here to share our experiences and inspire you to do the same. Imagine what you could achieve without having to save for 20 years! Still not convinced? Well, how about we throw in some valuable tips on the best credit cards to have, building strong personal credit, and qualifying for business credit. Yeah, we've got it all covered. But hey, don't just take our word for it. We've got countless success stories from the Hispanic community that will have you reaching for that play button in no time. And guess what? We don't peddle hidden sales agendas - all our content is free and packed with value. So, if you're ready to unlock the secrets of credit and transform your financial future, join us now on this incredible episode with Reuben Deleon. Trust me, it's going to be mind-blowing. Don't wait another second - hit that play button now and let the credit journey begin! --- Support this podcast: https://podcasters.spotify.com/pod/show/digitalsocialhour/support Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit podcastchoices.com/adchoices

When I was 19, I already had 200k in credit cards. At 19? Yeah. Wow. We got some history with bands and banks. Yeah, we both do. What are some credit hacks that are going to land some people in jail? What they'll do is they'll go like find like a homeless guy on the street and they'll build

his credit because it's real easy to do it, right? All right, welcome to the Digital Social Hour. I'm your host, Sean Kelly. I'm here with my co-host, Wayne Lewis. What up, what up? And our guest today, Ruben De Leon. How we doing? Doing good. Happy to be here.

It's good to have a fellow credit person. A little hot wearing the jacket in Vegas, but it's good in here. What's that jacket, like 7-8K? They're that much? What? Did you use credit to get it? Absolutely. My man. How many points do you have?

All combined? Yeah. Probably like 3 million right now. 3 million points? Yeah. What does that equate to in US well they're all some of them are credit card points some of them are like airline miles or like hotel points but if they're all credit card points probably like 30 40 grand you could travel for free for the whole year basically yeah well you wouldn't want to cash them out though right no you want to keep them i only tell people to cash them out like if they are like on the street like you need the cash if you need but that's usually like the worst way to redeem them usually want to use them on travel so the best way to use points is on travel usually for sure i prefer to use them

on flights just because you get a lot of value out of them right right like you can take like a twenty thousand dollar flight for less than two hundred thousand points but if you use that on hotels you're not going to get twenty thousand worth of value out of those points does the airline matter the airline matter? The airline does matter. And usually you want to use them for, like, long distances, right? Like, you want to use those points on, like, a 16-hour flight to Dubai or, like, to London. So which specific airline should they use or look to use when it comes to getting points or the best, like, quality? It depends on, like, where you're going.

And it constantly changes and just fluctuates all the time depending on, like, how busy it is. If it's, like, a hot time to go to that that that location might be a little bit more points you want to shop around to different airlines so sometimes like what you want to do when you're looking for a flight to take or a hotel to book even you want to see like how many points it'll cost you with the actual hotel because you can book the hotels under the hotel points or you can book them with your actual credit card points but the worst way to do it is when you actually use like your amex points directly from your amex account because you want to actually transfer them to the partner that you're going to be flying onto the hotel you're going to be staying with because i've seen instances where

like that 20 000 flight to emirates is less than 200 000 points but if you book it through your amex account they're going to charge you like a million amex points so you want to just transfer those points to emirates because they're going to ask for less yeah you fly almost more than anyone i know what are your favorite airlines currently i'd say emirates first is just hard to beat because you know they have the don perry on that comes out they give you caviar service limited food they have like blanket there's a shower on the plane you can go take a shower that's crazy so and where does that fly do uh i've only flown it to dubai and back okay but they fly pretty frequently like all around to different places but does it have the 180 seats like it lies down flat oh yeah yeah dude i first first class and business class actually does it

but for first class it's just a little bit better more privacy because you have like the you have the door that actually closes whereas in business it's still comfortable but you don't have as much privacy right like you're sitting next to somebody whereas in first if you're flying by yourself then you can still close the door and like no one can see you yeah yeah question what are some credit hacks that are going to land some people in jail um i mean i've heard of hacks that people did in the past where like what they'll do is they'll go like find like a homeless guy on the street and they'll build his credit because it's real easy to do it right it doesn't cost a lot of money to build the person's credit so they they go find the homeless guy they're like yo i need i'll pay you five grand they go get him like three hundred thousand four hundred000 in loans.

The dude's already homeless, right? Wait, wait, wait. And then they just go grab the money out. They don't take the 5K. Rewind. So there's people out here that say, finds a homeless guy, asks him what his social security number is, and they'll just ask him for a social,

be like, yo, I'll shoot you 5K. Well, that's a hell of a hack. If you're homeless, you're going to take that. Yeah, that is a hell of a hack. I mean, I would have thought a hack, this is just. Well, that's a hell of a hack. If you're homeless, you're gonna take that. Yeah, that is a hell of a hack. Well, I mean, I wouldn't call it a hack. This is just straight fraud. You're gonna go to jail. Who actually, so somebody was actually giving that advice

to someone at one point? Like, that was the thing? I've never given an advice. I've just heard stories. I mean, you can do it. It's very easy to do it. Wow, that's crazy. Yeah.

Wait, but wouldn't their credit be like zero? They're just gonna go. But that's why they go get a homeless guy, right? Because the homeless guy doesn't even know what the credit score is. Right. Wow. It's sad to say but like people do it and what is like the number one myth about credit that you like when you hear it's like you cringe like that's not true the fact that people try to avoid it and they avoid like getting more credit cards when like you should

actually try and go get more because the more leverage you have it's just better overall right like even when i first got started in credit when i was uh 19 i already had 200k in credit cards 24 at 19 yeah wow you had 200 000 in credit yeah that was mixed with like personal and business that's a cheat but when i first started at 18 my whole goal wasn't to get like a bunch of credit or travel or make a lot of money i just wanted to have good credit because growing up it was me and my mom and my brother my dad died in third grade and i would see my mom struggling like to get an apartment or a home or a car but it wasn't because she didn't work like she was a dental assistant making 40 50k a year like it's pretty solid right and you only have two kids like we're not like comfortable but you know we're getting by yeah right right like i always had like birthday

presents christmas presents like always ate so yeah it was always like four but i would see her get denied for an apartment and stuff and i realized when i got older it's because she had bad credit right so when i was 18 i was like i don't have bad credit because shitty game like denied for a car in an apartment so i did a lot of like research on my own from 18 and then all of that led to like just learning how to get the credit cards how to build your business credit how to travel all the rewards like you kind of go like into this like deep dark like hole like it never ends right right so like when i was 20 um i had 200k in credit and then that's how i had the ability to invest and like buy like mentorship buy courses buy programs because otherwise it's going to take me like 10-15 years to save up 200k right because i was working out like planet

fitness just normal jobs yeah making 20k a year probably of that 10, 15 years to save up 200 K. Right. Cause I was working at like planet fitness, just normal jobs, making 20 K a year, probably of that. You're only able to save like 2,500 bucks every year. Like it's going to take you really long time to save up a hundred K, 200 K. So like the ability, like the fact that I had the ability at 19 to just go get 200 K in credit from building my credit is just absurd to like even think of. Right. So like instead of saving for 20 years to get that

money i built my credit for a year two years i had it accessible to me so you definitely invested in yourself to learn the industry and learn about credit in general yeah i mean i tried to do a lot of different other businesses from like 17 to 20. just everything you google and you see like everything like all the opportunities when you google how to make money online right like you see drop shipping you see amazon right you see affiliate marketing, just the general stuff, right? Like I tried all of that. None of it actually worked. But when I invested, I actually invested into, he's my business partner now, Sean.

Sean, he's actually a guest on the show as well. But I had invested 50K to learn from him because he was already crushing it in credit. He was doing really big things. I liked credit already. So I invested 50K. Wait, so you and Sean are business partners yeah yeah oh so they both fly yeah because he came on here he had your own yeah they're both pretty fun yeah okay can't deny that right so wait so how'd you get that first 50k invest um was it through credit it was through credit it was business credit um because i had created what what age at night was that the best of the 50k yeah i was 19

about to turn 20. wow so that's a big investment yeah that's big yeah i mean it was big but like i also just waited it out i was like what's the actual risk right like if i don't do it cool he's gonna go like keep being rich i'm gonna go keep being poor right so like and i realized like if i doesn't work and it flunks like i'm i thankfully live in the united states where you don't go to jail for your debts right so like the worst case is like all right great over chase i'm just gonna go get credit from a different bank so there's no real risk yeah right um how many credit cards do you have and what's some advice for people to get 10 to 20 credit cards if they're watching this yeah i have around 30 credit cards right now um and the

second question was how to get 10, 20 credit cards. Yeah. Yeah, so first we want to like focus on your personal profile. Cause a lot of people when they're looking online right now they get thrown to like, go get like business credit, right? Which is something you should do,

but you should put a lot more focus into building your personal credit because how strong your personal credit is, is going to justify how much the business will qualify qualify for because even if the business is making zero dollars and you created the llc yesterday you can still go get 200k on that business wow it's brand new yeah it makes no money but that's only if your personal credit is strong and like by strong what i mean is like you have five to ten personal credit cards the limits are over five ten k if you have that structure already set up in your personal then you can go get 100 K 200 K in business credit on a brand new LLC because

your personal is so strong right wow that's insane man so um how often do you actually make it a prior a priority to educate the Hispanic community on credit and leveraging and like the fine the financial literacy aspect of it. Like how often do you do that? Yeah, absolutely. I mean, I would say I post pretty frequently, like every day, like 10, 20 times a day on my story. I give it like a lot of free, like education on credit,

just from me posting on my page, like on Instagram and YouTube and many other channel, I get people who DM me and they're like, bro, I got like 200K in credit. I got a hundred K in credit. And I got like, you know, this got 100k in credit and i got like you know this ability to invest in the deal just from the free content that i put out alone so i try to make it like a big deal because everyone's trying to figure it out right like everyone's

trying to figure out like what is people like what are people doing right now that's making them so much money right especially now with like social media everyone who's like 18 19 20 they're seeing like young guys like us like making money doing a lot of stuff yeah like they're like watching it and it's making them frustrated because it's hard to figure it out yeah it's real hard to figure it out because first like you go out and try and do it maybe the first five times you get scammed it doesn't work like where do you go to like find the right info right and like most people they're afraid of putting out the right info because they're like selling it they want to sell their course they don't want to put out that information right because like that's what

you get when you buy right whereas like i'm not as like greedy like that and i know like the more i put out the more free value i give out the more customers i'm going to get right because people are already getting a result from like just the free stuff i'm putting out right they're going to be more influenced to go out and buy like my next program or the next deal yeah i agree yeah so like when i give people the free value and they get 20, 30K in credit, 100K in credit, now they have the ability to go pay me 25K for something. Right?

Yeah, I love that. What are the best and worst credit cards? I'd say the best credit cards mainly are with Chase and Amex just because they have very good rewards. The limits go very high and the rewards, what I mean specifically is that you can transfer them to a lot of different partners right like a lot of different airlines a lot of different hotels you can do a lot with those points whereas like other credit cards like

discover they might just be like cash back cards right right whereas like clearly if you're going to spend on the credit card you don't want to go get cash back because the value is much more if you have the ability to transfer them for hotels and flights so any um cards with chase and amex are great really for chase i like like the sapphire the freedom's good the ink credit cards are great fire and they have really good signup bonuses too so like you can go get the three ink credit cards right now and um that's be like 300k and signup bonuses that's probably like 8080 to 100k in free flights just getting free credit. Yeah. Oh, right. Like the signup bonuses are huge. And what you can do after that is like now you know how to go get the credit card. With those cards, you also get a bonus when you refer someone over. So like if I send you a link to apply for this card, I'm going to be rewarded 25k if you get the card and points. Wow. Right. So you can continue getting more points from just sending out like the card to your friends and family to get more rewards wow yeah and then the worst credit cards really are just cards where you don't get like a lot of value out of them like cash or cards and cash back cards yeah so like people who go to sephora or any of

these stores they get like sold on like you know if you want to get 30 off today you know apply for this card yeah whereas like their purchase is probably going to be like 100 bucks they're going to get 30 off like if you're going to apply for any card you may as well go apply for like a card where you're going to get 100 000 points and you're going to get 30 20k in value and what are the qualifications so why do some people get denied for you know those type of cards and why do some people get accepted like the chase and the amex yeah yeah yeah the main reason is due to lack of credit history so like those are the best cards but they're also going to be a little bit of the most challenging to get right because they know like their cards are valuable right like they have high limits you can spend on them whereas like other credit cards where they're trying to

just get people like an approval they're not going to have the greatest rewards right right so like a lot of people it's due to lack of credit history it's also due to maybe utilization because if you have one credit card that's over 30 the bank's gonna the bank's gonna take that into account and think that you're high risk because you're already utilizing credit somewhere else so they don't want to be like sure i'll give you more debt that you may may not be able to pay so you want to have utilization below 30 on each card so that's very important And then a lot of other like variables fall into play because every bank has a different like qualification structure, right?

So you can go to a site called uscreditcardguide.com and it'll literally have all the credit cards on there and it will tell you the rules. Like it'll say like what you need to have on your personal profile to qualify for that card. Wow. So like some cards are like, you need to have six months of credit history to qualify for this card like some cards are like you need to have six

months of credit history to qualify for this card other cards are saying you need to have a year some cards say you need to have two years right so it's very like important to go review that site before you apply for anything because if you see you need to have two years of history and you have two months of history clearly you're not gonna get approved and how important are trade lines and for people that don't know what is an actual trade line start there yeah so i would say um from what people think a trade line is is like they are viewing it as buying like an authorized user account right right but really a trade line is just any account that's reporting on your credit right so i have like nine um chase cards that

report on my personal credit i have nine trade lines right so are you making money off of those trade trade trade lines too no so i don't sell my oh you don't okay a lot of people do sell their spots because they make money right but if you do that too much you can get all your accounts closed wow wow so i've seen instances i didn't know that people have 12 chase credit cards and they're like cool i'm gonna make like extra 20k because i'm gonna go sell these spots but is it really worth it to make 20k to lose 300k in available credit it spots but is it really worth it to make 20k to lose 300k in available credit it's not worth it you're not allowed to sell them technically i mean no but it's yeah i guess area within the gray area like you're allowed to do it but like supposed to

be for like your friends and like family right like once they they can catch on if you're selling them because if you're selling like five au's a week and then in two months you remove them and you sign someone else on you sound someone else on like you have like a limited family you don't have that much time right right it's having an 800 credit score overrated for sure is because i've seen people who have over an 800 and they can't even get approved for anything because like a few years ago i had this one dude he was uh messaging me trying to get some help i was giving him help he was like no i'm not going to do. I'm just going to go buy these five AUs. I was like, okay, go do that.

And then he got above 800 and he's like flexing. He's like, yo, look, see, it worked. I got over 800. I was like, great, bro. Go try and buy for something. Still got denied. No utilization. Yeah.

So the problem was that he had nothing else on his credit besides the authorized user accounts. And when you only have authorized users, the bank can clearly see like you've never actually had your own personal accounts. You've only had these authorized users. And that used to work like early two thousands before like 2010 where like you can have only a use and the bank will still give you the credit that you're asking for. But now they're getting aware of like, are there like, people are just trying to finesse the banks. Right. And they're,

they're able to see that. So like you can have over an 800 800 with all aus you're still going to get not like any credit at all and i've seen people who have like a low 700 and they go out and get 100k 200k so in that person's okay so being authorized user isn't a bad thing so in that person's case right he came back with 800 what would have been your recommend the right recommendation to him like in regards to how to utilize that although he had limited to no utilization what would have been the right recommendation you think what direction yeah that's a great question so what he should have done is should have just been patient because he had nothing on his credit like not even like a single credit card so when you ever when you're starting from like square one it's just going to take time it's just going to be like a patience thing.

And his thing was like, well, why do I got to be patient when I can just go buy these AUs and I can get all the age myself? But he didn't understand that he actually doesn't have any of his own age, some personal accounts. So I was telling him, you need to kind of like take it step by step and go do like the beginner boring stuff. Like go get like the Discover card where it's easy. Go get like the Chase Freedom. Because those are cards where it's very um easy to enter into those products but no one wants to do that because they're going to get a small limit right because brand new credit card right so like they don't want to do that because they want to get the big limits quick so he tried to just like cut the curve but it didn't work out at all for him so if he would have like just done the actual structure

of building your personal credit for six months to a year, then at that time, he would have been able to get the credit that he wanted. So it was just an impatient thing. What's the best way to build up bigger credit limits? Yeah, so I like Discover and Amex Blue Cash and Amex Blue Plus because those cards, you can routinely ask for a credit limit increase. So for Discover, it's every six months. And then for Amex, I believe it's every 98 days. it's like a weird day yeah but everybody can't get approved for those cards

you can because those are very easy cards to get approved for like if you go on us credit card guide it'll say like you need three months of history and you can easily go get that history by adding like rental karma or something and as for the discovery and which which other one uh amex blue cash and amex blue plus okay So those cards you can routinely ask for increase and it won't affect your credit. So the benefit to that is those limits will continue to increase with you. So like you might get approved for only like 2K today. But when you ask for an increase, it might go to 6K. And when you ask for another one, it'll go to 10K.

Right. So like you want that to be the focus to increase your personal. Because when you go out and you apply for business credit and you have these big limit personal cards they're going to give you 20 30k and how often can they ask for increase like what's that was it every quarter every six months discover it's every six months for amex like every 98 days like time frame like that maybe like 91 yeah something like that but um another big benefit too is by building relationship with the bank and actually working with a relationship manager because something that a relationship manager can do is they can actually like talk to the underwriter and vouch for you and say like no this guy needs this credit because of x y and

z right and if you have the relationship he can say whatever he wants to say right just to get you the approval facts like i had one guy who had like 90 utilization on four cards and um when he applied online by himself he got denied because it's just automated system. But when I introduced him to our banker at Chase, he was able to get him like one car was 65K, another one was 75K. Wow. Because the relationship manager just vouched for him. That's crazy. What's the best way to deal with a collection or a late payment? Yeah, that's a great question because a lot of people deal with that.

And it might be because they just forgot, right? They didn't make the payment. It's only like 30 bucks for the minimum payment and it just goes over but one little late payment like that can drop your credit over 100 points it's like ridiculous yeah and then collections can do the same thing even if the collection for five dollars yeah it doesn't matter if it's five dollars five thousand dollars fifteen thousand dollars it has the same impact on your credit wow so if you're dealing with like a late payment one thing you can do is you can do a goodwill letter where you just basically are asking for goodwill you can make a story like you had like a health crisis you had like some problems going on

yeah like x y and z right like whatever store you want to create and they'll actually just reverse it but that's only if you have like one or two yeah but once it's in collections it's over right it's been yeah once that's for a late payment but for collections yeah what you want to do for collections is first it's never like wise to even pay them because it's very likely it's incorrect and what i mean by incorrect is when you look at your credit report and i recommend like identity iq that's kind of a good one right um as opposed to like credit karma but when you're looking at your credit report you'll see that there's a lot of discrepancies on the actual reporting of that collection and one of those things would be like the collection on one bureau is saying a different date as the other two just

from that one mistake legally because of the fair credit reporting they have to remove that account because the fair credit reporting act basically just protects consumers from um these credit agencies credit bureaus people who are just reporting things on your credit because you can't just go do that right there has to be like strict laws in place but then it's a third party so technically you don't owe them anything in general correct yep when a collection agency buys the debt yeah they now own that debt so you don't owe five star collection yeah money you owe and it's crazy too because like let's say i default on like a 10k card with chase chase isn't going to call me to try and collect that they're just going to sell it right off their taxes they probably sold

it to a collection agency for a dollar like yeah for like looking for 4k or something yeah right you think 4k i heard less 10k well if the collection's for 10k i mean it'll vary right yeah it won't be that cheap yeah like they'll sell it for like pennies on the dollar yeah for sure and then they're like calling you out they're like yo we'll work out a deal we'll give it to you we'll we'll settle on this for only like 6k right you're saving 4k people are like oh great sounds great but when you pay it the only thing that happens is that collection goes to a it to you we'll we'll settle on this for only like 6k right you're saving 4k people are like oh great it sounds great but when you pay it the only thing that happens is that collection goes to a zero dollar collection now it's like you're still on there it's still on there you got to get it

removed yeah even if it's zero dollars or one dollar or 10k and how long does it last if it's still on there forever oh you have to get it more as a paid collection wow yeah it doesn't benefit you at all yeah yeah and you don't even build a relationship with the bank anymore because the bank already sold it off yeah yeah so if anything it hurts your relationship for sure but then you can also get that removed go back to that same bank and real and reapply you could but it'll take time because even if you remove it from your report it's still in chase's system right you don't remove it from chase's system so like they still know that like you screwed them on this at one at one point you did yeah but you

can settle on it with them um in the future but yeah sometimes it just takes time to rebuild but that's why it's also beneficial to go through a relationship manager because i had a one client where he was a band from chase like three years ago because he was doing some like marijuana business or something and he couldn't get in the chase for three years and i just did a simple intro my relationship manager opened an account for him got him 50k credit card and then boom because he was doing some marijuana business or something. And he couldn't get in the chase for three years. And I just did a simple intro. My relationship manager opened an account for him, got him a 50K credit card, and then boom, just right back. Yeah, we got some history with bands and banks.

Yeah, we both do. I mean, it doesn't matter. There's a lot of banks. I think because it's crypto-related. Gotcha. They don't like crypto. For sure, we'll do it. Or they don't like e-commerce either.

Some e-commerce companies. PayPal hates e-commerce. Yeah, they hate us. Ironically. What was the best hire you made? I see you got a full-time videographer following you around everywhere yeah i would say for sure um either videographer or personal assistant those are two very like those are two very vital tasks because the personal assistant is doing like just tasks where it's like no benefit for me doing that at all right it's like the um analogy like the sand pebble rock um like in a jar have you guys seen that no basically what it means is like like imagine there's like a jar

right and you want to foot you want to fit all of those um like you want to fit the rock the sand and the pebble in there the right way to do it is to put all the rocks in and then put the pebbles and then the sand will go over everything so like they're basing it as like the most important tasks that you should be doing are rock tasks you should not be doing pebble or sand tasks because the jar represents your day right so like most people what they're doing is they're doing a lot of sand and pebble tasks because it feels like they're getting a lot done because they're they're things that are like getting done right but the things that should be doing are the rock tasks because that's like the 500 an hour tasks things that are going to progress you so like the problem is people don't outsource those tasks and all they do is the sand

and the pebble tasks and they're busy all day but they're not they're not making any real progress right so like a personal assistant they are able to take on those tasks for you so you can focus on only the rock tasks right so i say the personal assistant is very important and obviously videographer is great because i mean i think everyone should be building their personal brand online just because you're you're already doing it right like you're already doing what you're doing you might as well just like show it because what it'll do is it'll build like rapport with your audience and over time that rapport will equate to making money that's right so like and then you build partnerships because people see like i'm on this show someone else will hit me up they're like yo you did good in the show you want

to come on my show but so this is real important to like have someone capturing the whole moment so that you can repurpose it and you can get more business i love that yeah those are my two best hires too to be honest same with you with you, right? Yeah, for sure. Ruben, it's been a blast, man. Any closing thoughts, words of wisdom? Damn, man. I would say people who have bad credit, they feel as if there's no hope, right? They feel like they're at rock bottom when their credit score is 400, 500, and they don't want to get it back up. So the main thing you need to do is focus on reducing your utilization on your personal cards, and then removing any discrepancies. So like late payments, collections,

charge us, you can go out and try and do it on your own if you have no money, right? Just like just learn the Fair Credit Reporting Act, and then learn how to like, use, use your rights to remove those negative accounts from your credit. If you can't do it, we have a credit per company, we have close to 20,000 clients now over the past few years. So people can come to us, we can fix their credit so they can have a better future, right? Like it's really hard to live in the United States when you have bad credit. You can't get in the car, you can't get an apartment, you can't go get credit or like any kind of loans to like make

investments and like better yourself. So it's very important to fix your credit and build it. So that's for the person who, you know, has bad credit and they feel like there's no hope, there is hope. And then for the person who maybe doesn't want to build their credit and build it. So that's for the person who has bad credit and they feel like there's no hope, there is hope. And then for the person who maybe doesn't wanna build their credit at all, completely stop thinking that way because that can change your life, right? Like the fact that I had 200K in credit and I was able to make an investment at 20 years old

and now I'm 24 and I've traveled all over the world, I've made millions of dollars, like I've helped thousands of people. It was all because I had access to credit. If I didn't have access to credit, I would not have been able to make those investments. Right. So like opportunities are there.

It's just people who don't have the money to take action on that. Right. So that's really important. Where do people find you? Instagram's the main one. Reuben.dailyon. Follow me on Instagram at the creator. All right.

Pop up somewhere. Sean Kelly, digital social hour. See you guys next week.