Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/

Paying a debt collector without knowing your rights can completely wreck your credit.

So if you’ve been dealing with debt collectors contacting you non-stop, sending you intimidating letters, and making you feel trapped with no way out, take a breath: there is a solution.

I’ve seen it happen too many times: someone thinks they’re doing the right thing by sending money on an old debt, and just like that, they restart the statute of limitations, kill their credit score, and lose all their legal leverage.

And the worst part?

A lot of that debt might be totally invalid, inaccurate, or straight-up fake.

In this episode, I discuss exactly what you should do when a debt collector calls. You’ll learn how to protect yourself using the Fair Debt Collection Practices Act, how to demand real proof before you ever consider paying, and how to spot the violations that could not only erase the debt but possibly put money in your pocket.

If you or your clients are getting those stressful calls and scary letters, take a deep breath.

You’ve got more power than you think, and this episode will show you how to use it.

Tune in now for more!

Key Takeaways:

00:00 Intro

01:56 Before we start

05:48 Validate the debt

06:14 Check the statute of limitations

06:41 Look for violations

08:22 Partner with an attorney

09:16 Negotiate smart

12:26 Outro

Additional Resources:

• How to Write a Pay for Delete Letter
• How to Write a Debt Validation Letter
• How to Write a Letter to a Collection Agency
• Get a free trial to Credit Repair Cloud
• Get my free credit repair training
• Vance Dotson Reveals How to Make Debt Collectors Pay YOU!

Make sure to subscribe so you stay up to date with our latest episodes.

Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/

Think you need a big team and a fat ad budget to build a million-dollar business?

Our guest this week, Devirick Watson, would strongly disagree.

In this episode, we sit down with Devirick, the founder of Credible Concepts, who’s built a credit repair business that’s earned over a million dollars in revenue without spending a single dollar on ads.

Instead, he focused on people—specifically on helping them, educating them, and building a business that runs on referrals, real results, and relationships.

Devirick gets real in this one. He talks about getting laid off from a Fortune 500 job, how he went from cleaning offices to fixing credit, and how he got his first paying clients by doing work for free (yes, on purpose). And now? His business is lean, automated, and totally compliant.

We talk about how he uses DIY tools to filter leads, why he only works with the right clients, and the exact strategy that’s helped him scale without burning out.

If you're trying to grow your business the smart way, you’re going to love this one.

Tune in now!

Key Takeaways:

00:00 Intro

02:09  Making a million dollars with credit repair

06:14 Credit repair business: The early days

09:47 You don’t need a big team to succeed

15:03 Dealing with difficult clients? Do this!

18:04 Early days marketing

24:27 Credit Repair’s cloud tools for easier work

32:40 Rapid fire questions

Additional Resources:

• Credible Concepts: https://www.credibleconcepts.com/
• Devirick’s Instagram: https://www.instagram.com/dwatt901/
• Credible Concepts on Facebook: https://www.facebook.com/profile.php?id=100041322834426
• Get a free trial to Credit Repair Cloud
• Get my free credit repair training
• 10 Tips to Build a Successful Credit Repair Business

Make sure to subscribe so you stay up to date with our latest episodes.

Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/

What if I told you that the biggest reason your clients aren’t getting approved for mortgages isn’t their debt or income, but an outdated credit scoring system?

For decades, if your clients wanted a mortgage backed by Fannie Mae or Freddie Mac, they had to pass the classic FICO test. No exceptions. It didn’t matter if they’d paid their rent on time for 10 years or if their utility bills were flawless. If it wasn’t in the FICO model, it didn’t count.

But now, for the first time ever, lenders can choose between two models: FICO or VantageScore 4.0. This game-changing shift is finally breaking FICO’s decades-long monopoly and giving your clients a chance to score a home, maybe for the first time in their lives.

In today’s episode, I’m breaking down the advantages of VantageScore 4.0 and showing you how you can capitalize on this change to scale your credit repair business.

Tune in!

Key Takeaways:

00:00 Intro

00:57 The FICO Test vs. VantageScore 4.0

02:07 Business Opportunity for Credit Heroes

03:13 Historical Context and Significance of FICO

04:55 Challenges in Adopting VantageScore 4.0

06:10 My Final Thoughts

06:52 Outro

Additional Resources:

• Get a free trial to Credit Repair Cloud
• Get my free credit repair training
• 5 Possible Reasons and How to Fix Them

Make sure to subscribe so you stay up to date with our latest episodes.