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.

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/

By now, we all know that we can’t call leads anymore…

But what if I told you that’s the best thing that's ever happened to your business?

In today’s episode, we’re joined by Christopher Stirgus, credit repair entrepreneur and founder of Stirgus Credit Repair. He’s built a fully automated, TSR-compliant credit business that signs up new clients without making a single phone call. And today, he’s pulling back the curtain.

This special live session, hosted by our very own Troy Hitt, Head of Customer Success, dives deep into how Christopher eliminated cold calling, automated his onboarding, and used tools like CRC Billing and Credit Hero Score to streamline his entire operation.

You’ll see exactly how his website converts leads without contact, how his 50-question FAQ page builds instant trust, and how self-service signups helped him scale faster than ever, all while staying 100% compliant.

Plus, you’ll learn how to handle objections around trust, when (and how) to get on the phone with clients, and why you should fire bad leads before they even join.

If you’ve been stressed about the TSR, this episode is your blueprint to not just survive, but grow.

Tune in!

Key Takeaways:

00:00 Intro

01:27 What Is the Telemarketing Sales Rule (TSR)?

02:52 How the TSR Impacted Christopher’s Business

07:30 Christopher’s Website, Self-Service Signup, and CRC Billing

14:11 Cool Credit Hero Score Features

15:20 Advice for Aspiring Credit Heroes

18:36 Affiliate Partnerships

21:34 Dealing with Stall Letters

24:48 Outro

Additional Resources:

• Stirgus Credit Repair: https://stirguscreditrepair.com/index.html
• Get a free trial to Credit Repair Cloud
• Get my free credit repair training
• TSR Could End Your Credit Repair Business Overnight, Here’s What You Can Do

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

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/

Everyone’s obsessed with removing bankruptcies. But what if I told you that focusing on the accounts tied to that bankruptcy could give your clients a bigger score boost?

In today’s episode, I’m joined by Haseeb Hussain, a legal expert who specializes in consumer credit law. He’ll break down the biggest misconceptions about bankruptcy removal and reveal a brand new legal tactic that could change the game. Plus, he’ll explain why credit bureaus quietly removing bankruptcies early might not be as good as it sounds.

You’ll learn why it's crucial to focus on accounts first, how to spot issues with bankruptcy statuses, and why legal tactics like sealing a bankruptcy can be a game-changer.

Most credit repair businesses miss out on these powerful strategies. Don’t be one of them.

Tune in now to learn how to handle bankruptcies the right way!

Key Takeaways:

00:00 Intro

02:30 Haseeb’s Work Since Our Last Interview

04:22 What You Need to Know About Bankruptcies Before Disputing

09:42 Helping Clients with Bankruptcies

12:56 Do’s and Don’ts of Bankruptcy Removal

17:50 Potential Payouts in Lawsuits

21:14 Haseeb’s Brand New Legal Strategy

28:14 Early Bankruptcy Removal Is Not What It Seems

32:36 Getting Bankruptcies Back on Reports

34:44 New Legal Trends In Credit Repair

38:35 Most Common Cases Haseeb Takes On

40:57 Viral Misinformation

41:58 Rapid Fire: Credit Law Edition

43:12 Outro

Additional Resources:

• Haseeb’s Instagram: https://www.instagram.com/haseeblegal/
• Haseeb’s TikTok: https://www.tiktok.com/@haseeblegal
• Haseeb’s Website: https://haseeblegal.com/Get a free trial to Credit Repair Cloud
• Get my free credit repair training
• Consumer Law Attorney Haseeb Hussain Reveals Hidden Credit Repair Strategies!

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

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/

I've helped thousands of Credit Heroes scale from the ground up, and one of the biggest roadblocks they all hit? Payments.

From figuring out which billing model to use, to avoiding banned platforms like Stripe and PayPal, to understanding the Telemarketing Sales Rule—this stuff can get tricky fast. But I’ll make it simple.

You’ll learn why PayPal might freeze your funds, what a merchant account really is, how to automate billing with CRC Billing, and how a simple money-back guarantee could save your business.

Most people start their credit repair business without ever figuring out how to get paid. Don’t be one of them!

Tune in.

Key Takeaways:

00:00 Intro

00:53 Challenges of Setting Up Payment Processing

02:50 Why You Should Never Use PayPal or Stripe

03:59 Following the Telemarketing Sales Rule (TSR)

05:06 Different Billing Models for Credit Repair Businesses

06:47 Setting Up a Merchant Account and Recurring Payments Platform

08:35 CRC Billing and Its Benefits

10:18 Offering a Money Back Guarantee

12:13 Handling Declined Credit Cards

13:17 My Final Point

13:59 Outro

Additional Resources:

• Get a Merchant Account: http://www.creditrepaircloud.com/merchant
• Get Our TSR Compliance Checklist: https://www.creditrepaircloud.com/training-and-resources/tsr-compliance-checklist
• Get a free trial to Credit Repair Cloud
• Get my free credit repair training
• Starting a Credit Repair Business? Don’t Make These 8 Fatal Mistakes!

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

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/

What if I told you that you could build a thriving credit repair business, even if you're brand new, not tech-savvy, or juggling multiple jobs?

Well, that’s exactly what Patrick Sotello, also known as The Credit Sniper, did, and today he’s here to share all his insider tips. But this isn’t your typical interview. This is a behind-the-scenes conversation from our private Facebook community, where our Head of Customer Success, Troy Hitt, sat down with Patrick to discuss how he got started, how he stays compliant, and how he’s rapidly scaling his business with automation and affiliate partnerships.

We’ve cut the conversation down to just the most powerful moments, so you can soak up all the valuable insights without any filler. If you want to see what it really looks like to scale a compliant credit repair business in today’s world, you won’t want to miss this!

Key Takeaways:

00:00 Intro

01:30 The Impact of Credit Repair Cloud

03:55 Navigating the TSR and Staying Compliant

07:43 Our Self-Service Sign Up

11:28 Building Trust and Client Relationships

16:39 Credit Hero Score and Affiliates

23:37 Removing Charge Offs and Late Payments

24:46 Hiring and Scaling a Team

27:01 Final Piece of Advice

28:57 Outro

Additional Resources:

• Get a Merchant Account: http://www.creditrepaircloud.com/merchant
• Get Our TSR Compliance Checklist: https://www.creditrepaircloud.com/training-and-resources/tsr-compliance-checklist
• Get a free trial to Credit Repair Cloud
• Get my free credit repair training
• 10 Steps to Build a Successful Credit Repair Business

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

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/

Can doing work for free help you make a million dollars?

I know what you're thinking, but here's the thing: it's actually one of the smartest moves you can make when building your credit repair empire from scratch!

Today, I’m going to share how working for free can be the secret weapon that fuels your business growth. Plus, I’ll show you exactly how to onboard free clients in Credit Repair Cloud.

This strategy helped me grow my own credit repair business, and it has also helped many of our Millionaires Club members establish themselves in the industry. So, you better stick around!

Key Takeaways:

00:00 Intro

01:06 Building a Credit Repair Business with Free Clients

02:52 The Power of Early Wins with Free Clients

04:29 Strategies for Finding Free Clients

08:46 Onboarding Free Clients in Credit Repair Cloud

10:50 Using Client Agreements

12:34 Repairing Credit and Sharing Results

15:34 Outro

Additional Resources:

• Get a free trial to Credit Repair Cloud
• Get my free credit repair training
• How to Use FREE Content to Generate Credit Repair Leads (And Stay TRS Compliant!)

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