The FoolProof FSBO Podcast with Tim Street

Are Credit scores a scam? What you need to know!

• Tim Street • Season 1 • Episode 28

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In this episode, Chris Stirgus explains how credit repair really works — and why improving your score is a process built on discipline.

If you want to buy your first home, this conversation matters.

Intro

Outro

SPEAKER_01

What's up? Foolproof Fismo friends. How you doing, everybody? Happy Friday. It's so cool to be here with you today. It is noon, uh, Friday, March 6th. Um, and I'm super excited to have my friend Christopher Sturgis here with me. Um, and uh I I met Chris actually uh probably a couple months ago. Um, and I found him because uh he's one of the foremost experts um I found that can kind of demystify uh what credit means. Um what does credit repair look like? Is there even such a thing? Um and you know, uh a lot of one of the more um I should say intriguing things that that he likes to talk about is that uh credit itself in general is kind of a scam when it comes down to it. Um and they think that improving it can be done overnight if you just pay the right agency. And I I he's got a great Instagram where he'll literally just blow these people up who try to scam people out, these uh these scam credit repair companies. So, Chris, thank you for being here, sir. I I I can't thank you enough for for spending some time with us.

SPEAKER_00

Absolutely, Tim. It's a pleasure to be here. Um, I've actually been waiting to do a live stream and talking about all the good stuff, man, and also uh exposing more of the bad stuff that's out there. So, yeah, it is definitely uh a great opportunity. Thank you so much for having me on this live stream today.

SPEAKER_01

Yeah, super excited you're here. I I know that this is going to be something that resonates with a great deal of the audience because a lot of people are obviously credit's a concern. And those of us, you know, uh who have seen the other side of it, seen the underwriting and how this all works, yeah, dude, it's it's it's messed up. Um there's you know, who in their right mind ever thought that paying off a loan could actually harm your credit score? Yeah, absolutely. There it is. So I would love it if if you could kind of tell people, kind of a give them a level set about who you are, what you do, why you do it, um, and and um I'd love to start asking you some questions that that have been sent into me.

SPEAKER_00

Absolutely, Tim. Um, and again, thank you so much for allowing me to do this. And I love sharing this story, Tim, uh, because a lot of people, clearly, I own a credit repair service called Sturgis Credit Repair. And a lot of my clients or some of the consumers that call in or they sign up, they don't look at me as a normal human. They don't look at me as a consumer myself, they just look at me as a business owner, um, someone who's out to charge a fee for a service, and they don't understand my story behind why I decided to get into the credit industry. So let's go way back, you know, back when I was working at local car dealerships and sales and finance Tim, it's gotten to a point to where I was going to work 12 hours a day and not being paid due to people not having good credit. And what job on earth, besides the real estate industry, can you go to work 12 hours a day and you're not guaranteed a paycheck, right? I do everything that I'm supposed to do. I go to work early, I go to work on my days off, and I stay at work after hours. And if some of these people don't have the credit score to get approved for financing, we didn't have many cash buyers. So if they didn't get approved for financing, guess who don't get paid? Chris. So it gotten to the point where I didn't know credit repair was an industry. I didn't care much about credit at all because I never had bad credit, so it was just one of those things I never took seriously or I even cared about because it never affected me. So uh I looked into ways where I can start helping some of these people uh come back to the car dealership. And man, Tim, at the time I was like, Man, if I can bring back two or three people per month and they can buy a car from me, man, I'll be balling, I'll be doing good, I can increase my sales. And that was just looking at it from the smaller picture. And eventually I'm like, wow, credit repair is a whole industry. I didn't know this was an actual thing, you know. So uh it got to the point where I actually wanted to form a business. I just didn't want to be this guy on Instagram stating, I fixed credit, send me a DM, or these people that go out and put these yard signs out and just have it say, I fix credit with the phone number or something like that. I wanted to be an established business. I know credit is already looked at or frowned, uh frowned upon, but I didn't want to be one of those guys. I want to be an actual business that people can trust. I want people to know that I'm still a consumer, just like they are, and I understand what they're going through. So I practice all of these disputing methods with family members, friends, uh some of my close customers at the car dealership. And I learned all of these things. I didn't know that there were so many errors on credit reports. I didn't know you have the right to challenge items, even if it's yours, you know, let's just say if it's negative, if they can't verify that crap, the credit bureau is deleted. I see it happen every single day. So again, I never knew about this because I had no reason to look into this stuff. And man, once I formed the business, you know, many years ago, it went from zero clients to over a hundred clients every single month. Within maybe five weeks, the business just exploded and blew up. And sadly, you know, eventually I had to shake hands with my boss, have that conversation. Uh respectfully, we separated ways, and Sturge's credit repair has been growing ever since. And man, you know, ever since then, I've also uh came out with a book. It pays to have good credit, because the way I started my business was by having good credit, and it paid to have good credit by using a credit card. I used that to fund my business. I didn't have a big bank account or a big savings account at the time. I was freaking broke because I couldn't sell a car to these people that couldn't get approved. So I think at the time I had like a$20,000 credit card. Um, it was a Wells Virgo act of cash, I believe, at the time. And honestly, Tim, I just expected that to be like the first major thing on my credit. I just knew it was gonna eventually get charged off and I would never be able to pay this back. I am going to run this card to the ground because I don't know what I'm doing. I never owned a business before. No one in my family owned a business. I I'm just scared and don't know what to do. So, uh, long story short, the return on that uh paid off for itself plus more within four to five months. And you know, that just that's been my slogan ever since. It pays to have good credit. Um, I have the podcast platform also named after it pays to have good credit, where I teach a lot of people credit education for free. I don't have to do any of this, but I do it from the bottom of my heart. I understand people don't understand um much about credit. I know they don't understand how credit card usage can affect their credit scores, how DTI can affect their loan approvals. So many topics I have on the platform, and it's completely free. And 99% of that stuff, Tim, you would never learn in school. Um, so that's that's a quick but long summary of my background there.

SPEAKER_01

Well, God bless you. I mean, I I'm I'm so um impressed, and and um I didn't know that that that you just you know, I can't tell you how many businesses I've I've started that I've never even got off the starting blocks, and then others that I've gotten, you know, into second, third grade and then they fuck out of school, and then other businesses' ideas are are still going today and they're doing great, but I I've I've failed so many times in for this to be your first at bat and to have knocked it out of the park like that. Holy crap, man.

SPEAKER_00

Absolutely.

SPEAKER_01

So did I hear you correctly in the beginning? And uh are you when you were trying to uh sell people cars and they were coming and they didn't have good credit. Were you actually able to help these people repair their credit so they could buy a car from you? Is that what I heard you say?

SPEAKER_00

Yeah, yeah, at least um at the time, you know, I was still in my early stages. Insane. Yeah, I've had at least four or five customers that came in, they had 500 credit scores just due to like petty collections and simple stuff on their credit. I never really had someone with serious things like bankruptcies and stuff like that. Uh, majority of those people know better than to come into a card dealership. Well, most of them, but uh majority of them knew. Uh, if they had just some minor stuff in their credit, they're like, Hey, I'm gonna just give it a chance. And there were so many customers, Tim. Some people had uh collection accounts, some people had older charge offs. Uh, some of the items got deleted just because they couldn't verify. The other half of the items got deleted because they had obvious errors reporting to them. And you know, people can do this themselves, but there's a lot of people who's just like me that much rather just pay for a service if they don't have the time to do it. Uh, and that's where Sturgis Credit Repair came in at the time. Um, so yeah, I've helped a lot of people um come back into the car dealership. Some still had issues, but uh majority of them were able to buy a car from me, and that right there built a referral uh list that um helped out a lot before Sturgis Credit Repair was an actual real registered business.

SPEAKER_01

So yeah, dude, I I I cannot believe what I'm hearing. I mean, so this isn't it it's incredible because um it's not it's not that what you did like okay, fixing people's credit scores that can be done clearly. That right there's there's ways to do what's what's just mind-blowingly impressive here to me is that you're just an employee, you have no ownership of that business.

SPEAKER_00

Nope.

SPEAKER_01

You had people coming in saying that they couldn't transact with you because they couldn't they just couldn't afford it. They didn't have the underwriting, they didn't have the and and so what uh I would say I might as well just say statistically speaking, 100% of the people in your situation would say sucks to be you. Oh my god, this job sucks. I'm gonna quit and I'm gonna find another job because nobody could afford to buy cars. It's it's mind-blowing to me that that GM of that dealership didn't pay you whatever you were asking for for the for the amount of initiative that it takes. Like I I I wouldn't have had that. Dude, if if if somebody wanted to buy a home for me and they they've they couldn't get uh uh pre-approved, do you do you know how many times I've gone home and thought, how do I fix these guys? Zero. Never like dude, that is that is incredible. Uh I I'm just saying, like, no wonder your first business succeeded. I mean, dude, I I don't I don't know of anybody in any space ever that but it but it's so smart and it makes so much sense when you get a bunch of so like what happened like after the seventh, eighth, ninth month where you're not making any money, did you did you just finally say, like, okay, all these people are coming at me with the same issue?

SPEAKER_00

Yep.

SPEAKER_01

What can I do to fix it? Like, is that legitimately how it all started?

SPEAKER_00

Yeah, well, Tim, um, just just from me watching YouTube, and there's so many free mentorship people or mentor people that's all over YouTube and social media. I follow a lot of these guys. The one thing that I find in common, Tim, majority of successful people, they say you will never get rich or you'd never be successful unless you solve issues. When I worked at the cart dealership, I had an issue to where I physically did every single thing possible that I can do as a W-2 employee. I go to work on time, I go to work on my off days, I had bills to pay, I stayed after hours. If there were people, if the dealership closed at 7 p.m. on a Saturday, I would stand till eight o'clock if a walk-in just randomly walked in at 6 50 p.m. You know, I would test drive, I would go show them different vehicles, I will ask them what their price range is, I would negotiate, I would say, hey, what do I have to do to close this deal? That takes an hour. You've been to a car dealership before, especially if you're just looking at different trim levels or different vehicles or different price ranges. You know, it takes time, it's not a 30-minute process. So I'm spending hours with people, and then after all of this, fighting over numbers and everything, they sign that credit app. Boom, Chris, you did all of that for nothing. And I'm like, bro, I can't do this forever. So uh man, there were uh many times um that my paychecks were just not showing my work ethic, and I just thought that was unfair. And you know, I sat down with my wife and I said, Hey, um, I think we have a problem. Um, maybe I need to find a new job, maybe I need to give up on the uh commission pay industry and find something more guaranteed. Uh, growing up in Louisiana, all of my friends worked in chemical plants and things like that. I'm like, look, maybe I should just join the wagon and just get in line with these guys and just, you know, make a guaranteed$80,000,$100,000 a year just working a chemical plant that's probably not good for my health. But um, I don't know how much longer I can work 12-hour shifts and not be paid the amount of time that I'm there. You know, we got a guaranteed draw payment, it's what they call it in the car industry, to where if you don't sell anything, you're guaranteed probably$2,500,$3,000 a month or something like that. Which after taxes, Tim, if you have bills and a mortgage and things like that, um, that paycheck was gone, you know. So um, yeah, my wife and I we we sat down and um she said, Hey, well, what's the reason that you're not selling cars? Are you just taking extended lunch breaks and you're just screwing around? Are you scared of the customer? Of course she is, of course she's yeah. Are you scared to talk to people when they come in? Are you calling the leads? Are you following up with the people who came yesterday? I'm like, Yes, I uh like sales has nothing to do with it, it's just that these people, when they get to the finance room or they uh fill out the application in front of me, they cannot get approved. I cannot sell a car if the bank does not approve them. So she's like, Well, well, maybe you should look into ways that maybe you can partner with some of the people that work at these auto lenders, and maybe you can call them and and you know negotiate with them. And that's how we were thinking at the time. You know, we never thought about helping them with their credit. We're just like, Man, we need to find out who work at these auto lenders, Capital One Auto. We need to see who works at um Santander, who works at Ally Finance and things like that. And that was our mindset back then, and then eventually, clearly that didn't work, but eventually I'm like, okay, the next thing is helping these people with their credit. So usually, and you should know this too if you work with people who don't get approved. Me in sales, if somebody filled out the app and the finance guy called me in his office and said, Hey, Chris, we don't have a deal, their credit is crap. Usually we would just kick them out. Hey, look, you can't get approved. Uh, we'll call you tomorrow, let you know, or something like that. We just kick them out. Kind of the same thing if you go to a uh furniture store or a store that offer these store credit cards. Like a lot of women go to Victoria's Secret, they apply for the card at the register. Um, if you don't get approved, it will say, or the cashier, whoever will tell you, Hey, uh, we got your um your application. Uh, we're gonna mail you a letter in the mail and we will let you know the results. That means you're not approved. If you got approved, they're giving you that on the spot. Yeah, yeah. So uh, same thing in the car business. Uh, there were many times to where if somebody didn't get approved, we either tell them, Hey, uh, lenders are just taking a while, you can leave. Uh, we're gonna call you tomorrow, or just flat out say, hey, this isn't gonna work. Uh, most of the time, and we've been taught to do this. If they don't get approved, some people would sit there 10 for an extra 20 minutes and cry about why they're not approved, ask 10,000 questions. They will sit here with a 450 credit score, and they will say, Okay, well, um, come show me these other cars because I may have a co-buyer whose credit score is a 500. And in our head, we're like, Look, this isn't gonna work. And we would waste an extra 30, 40 minutes with someone who already did not get approved. So, those were reasons why we told people, hey, we're working on it, we're gonna give you a call back tomorrow. Because if you tell them they're not approved, they will sit there and waste your time forever.

SPEAKER_01

They'll try to argue with you.

SPEAKER_00

Yeah, you're the one that told them no. Yeah, yeah. So, um, yeah, man, it is just it's a crazy situation, but it has definitely paid off over the last several years for sure.

SPEAKER_01

God, that's amazing. I I I'm just I'm I I guess I'm I'm just really impressed that that that's the direction you took this. Uh I'm I can't think of any other business where okay. How many of you how many of your coworkers did this? Uh none, right? Just me. Yeah. I mean, what the hell? I'm um I we have friends in our family um who own car dealerships, and I've never ever heard, I mean, maybe just because I'm ignorant to the industry, I've never heard of anybody doing this. I mean, it it is such a I I again, I still say the GM at that dealership screwed up big when he let you go because I would have paid you whatever you're worth just to keep you around.

SPEAKER_00

Well, the crazy thing, Tim, um, and again, I don't fault people, and I'm gonna go over two situations here quickly. I don't fault people for being uh suspicious or being worried about credit repair because when I first started making the dealership money by doing this, the very first week, I think I posted something on my Facebook, and we all had each other on Facebook and stuff like that. Me, the general manager, the sales manager. So I made a post and I was like, Oh, I helped this customer. Uh, she came to me four months ago, or maybe three months ago, something like that. And her scores were in the 500s. We now have her, or I now have her at a 680, 690, and she came back and bought a car for me. Uh, this made the dealership money. I got paid, you know, I went through the worst time of my life by not being paid for weeks and weeks and months and months. Um, and I think I finally have something going on. So the car sales managers in the GM, they didn't like the post, they didn't comment on my post. But the very next day at work, I get called into the general manager's office, and they're like, Hey, um, what what are you doing? And I'm like, What do you mean? This post, you posted this last night. Uh, we didn't approve this. And I'm like, approve what? And he's like, Explain what you're doing because we have to have you sign uh a form because you're using our customers as your personal game. And I'm like, dude, what? Like, I just made the dealership money, so they're looking at it as maybe I was taking people's social security numbers that had good credit and giving it, which that wouldn't work, but giving it to the people that I guess have bad credit, I guess they were just skeptical of what I was doing, and then once they figured out like everything that I'm doing is realistic, that people can do this themselves, they were like, Okay, what you're doing is legit, you know, that's cool. You want to start your business doing that, but think about it this way, Chris. We spend thousands and thousands and thousands of dollars every single month and marketing and bringing in leads. You can't take our customers, sign them up for your service, get paid. You're gonna be shitting me, yeah, in hopes to have them come back to a car dealership. You can fix their credit, you got paid, and then that customer can go to another dealership. And I'm like, okay, from a business standpoint, I can agree with that, I can understand that, but I am following up with these people and they're working with me directly. I'm their car buying cars from you, yeah, yeah. But yeah, that was yeah, that was a huge thing. And luckily, Tim, uh, at the time I may have had 50 or 60 clients enrolled uh in the service. So I mean, I was already making more money doing that on the side than my actual car sales career. What more on? I'm sorry. When they when they said that, Tim, I was like, yeah, I don't think this is gonna work out. Like, you know, they're just looking at me as you know, someone that's stealing their leads that they pay.

SPEAKER_01

They've got a guy, you know, they've got a guy on staff who's doing taking initiative than no other car sales guy in the history of that dealership, or I dare say most 99% of the others on their team helping them monetize those leads that would have otherwise been dead, yeah. And and they're and they're chastising you for it. Oh my god, dude. Face in point. This is how you should not behave. If you own a business, that is a absolute subject, like a case study in idiocy. I I'm I'm I'm I'm really, really blown away. This this whole time I figured that the GM was like, man, cheering you on and saying thanks, dude, this is incredible.

SPEAKER_00

No, no, he he was just skeptical and he was like, Hey, I'm gonna have you sign this form stating that you can no longer market your business to our customers. And I'm like, okay, I mean, sure, if you want me to, and we were real cool. I'm like, hey, if you don't want me doing that, I don't have to sign a paper. Like, I mean, man, we're boys, you know, but yeah, no, it was not like that. I mean, I mean, uh, it is a corporate dealership, and uh it was a General Motors dealership, and I get that, but it was like, man, I mean, I I just did not understand that from a business standpoint. I'm gonna give you one more crazy scenario here. Um, as you know, I just moved out to the Phoenix area uh a few months ago from Louisiana. So back home in Louisiana, I had to partner with a lot of affiliates, realtors, uh car sales specialists, um, uh loan officers, because 80% of the leads today that come through Sturgis Credit Repair are actual referrals from realtors, loan officers, people in car sales. Uh, the other 20% come from like social media ads and just organic stuff and stuff like that. But uh when I moved to Phoenix, I'm like, man, I don't know any people out here that can potentially be an affiliate for Sturgis Credit Repair, which might Businesses nationwide. You don't have to be here in Arizona to sign up on the website. But I'm like, man, it would be nice to have someone I can refer clients to or have somebody that I can, you know, pick on to ask questions about the mortgage industry out here in Phoenix. So clearly, I started marketing to Arizona uh a few months back, and a lot of my ads started popping up here in Arizona locally. And I've had maybe 15 people that signed up in the Phoenix area or actually in Phoenix, in the heart of Phoenix, and they're actually home shopping right now. Um, they've their credit has improved maybe 60, 80 points since they've been enrolled uh for the last three or four months. And they are currently looking for a realtor and loan officer uh to begin the home buying process. In fact, some of these people have been so excited, the second their scores jumped up 20 points, they're like, Hey, can I get approved now? Can I get approved now? So I'm like, hey, look, you need to pump the brakes a little bit. Not yet. Let's let's finish. So that's that's how excited some of these people are, and they do not have a realtor to work with or a loan officer. So I've had um my partner who um she works on all the emails for me. Um, Michaela, she reaches out to all the realtors locally, all the um the loan officers, uh loan officers here locally, and her job is to strictly reach out to affiliates. In fact, I just did an episode with a local realtor, uh Jamie Owen, that just dropped um earlier this week. Uh just asking home buying questions and things like that. It's a great episode for those who are listening or watching. Go check it out uh on the It Pays to Have Good Credit podcast. But man, out of five or six different realtors that we have emailed back to back to back, like, hey, we we need you to do this, we need a partner with you. Only Jamie responded. Um, and she did the podcast. But secondly, she is now going to be our local realtor for the Phoenix, Arizona area that we are going to start referring all of these clients to. So the same feeling that you have, Tim, with the GM and the car dealership, it's the same feeling that I have with these other five or six realtors that we have reached out to just requesting a partner, like nobody involved. It's just, hey, if we have clients, do you mind if we send them to you? Vice versa. If you have clients, let's start up a referral program here. You know, is no money involved. In fact, we even pay$50 for every referral that you send this way. Um, and it's just mind-blowing how many realtors responded, stop, or they just responded, no thanks, or some just left us unread. And I'm like, man, this is, I mean, the the way this economy is, you should be trying to work to either make more sales or you know, find more clients as as soon as possible, you know. So um, we were also in the market to to reach out to a lot of lawn officers. We haven't found one yet locally, but it is just mind-blowing how how many people just uh I guess don't want to bring consumers back to them once they have been denied. You know, we reached out to uh one loan officer here locally specifically. I called him myself and said, Hey, I noticed a lot of your episodes online, I like what you do. I actually uh have a podcast platform, maybe we can go over this. And I just called the guy because he seemed like a nice guy, just like me and you. And um, he just uh responded that, yeah, I don't want to do anything like that, I don't want to be on any other platforms, I just host my own episodes. Um, and I don't want to partner with anyone uh with credit, you know, they get the nigh is up to them and they want to work on their credit or not. And I'm like, man, you're you're really making a mistake here. So it's it's mind-blowing. Yeah.

unknown

Wow.

SPEAKER_01

Um, yeah, that that's that it's so smart that you're partnering with people in those in those verticals because um I mean, you're you're basically you're forcing people to do the right thing, which is what you did, which is hey, if my customers can't help themselves, I'm going to take the initiative, I'm going to help them and still get them in this car, or now let's get them in this house. And I think that's that's laudable and it's very rare. And I I think, you know, to the defense of of uh a lot of the other folks out there who might might have left hand right, it almost does sound too good to be true. Like it sounds like you know, that these these people are approached with with scam after scam, yeah. Yeah, and I think I think that's something that you like to talk about. I mean, I I've heard you say that credit in general is a scam. Let's walk through that. How what do you mean by that?

SPEAKER_00

Well, Tim, I don't agree with a lot of stuff um that goes on in the whole way that credit scores are established. In fact, I literally literally just made a post on this maybe three months ago. So look at it this way: they tell us in order to build credit, we need to first apply for accounts so they can report to our credit, right? If we don't have accounts reporting to our credit, you don't have a credit score. So in order to get an account, you must apply for it. What happens when you apply for an account? A new hard inquiry. What does a hard inquiry do? It drops your credit score. So why are we being dinged for doing something that we have to do? Right? So I don't agree with that. I think hard inquiries should be a notification for consumers, letting them know that someone um accessed their credit reports, but to ding a consumer because they apply for the account that they need reporting, I just think that's backwards, right? And if you have too many dings or hard inquiries, well, lenders can look at you as a risk. So I just think that is just stupid that you have to add a hard inquiry to apply for an account that you need to build credit, yet you're hurting credit whenever you apply for it. So I mean, I just think that's the dumbest thing ever. I don't agree with credit card usage being something that also damages your credit scores because we get the credit cards, and yeah, if you don't pay your cars off in full, you get charged interest, but leave it at that. I don't think the actual balance on your car should be a major factor to your credit score. Yet I see this every day to where someone's credit uh credit cards are maxed out, it drops their scores 80 points or over 100 points. So you know, I don't agree with that. And then lastly, Tim, I don't agree with people paying off loans or people paying off all of their accounts, and then their credit score drops after that, or maybe a spine blower right here. Yeah, or maybe eventually their credit score becomes a zero all back over again. So um I just there's a lot of things, Tim, to where um I don't agree with how credit scores are established and how they affect you.

SPEAKER_01

Well, and it's not like an overnight thing either, that you can fix them. No, not at all. So um, you know, let's talk about that because I I think I think this has kind of been a like a black box to me where I didn't really understand what was happening behind the scenes. And and when you learn like how many counterintuitive things take place, perfect examples like you just mentioned, um, things that make my credit go up actually in my mind would make me a bigger credit risk. Right. But things that make my credit score go down. I mean, like if I have less outstanding loans out there, then I would seem like a pretty doggone good gamble because it shows that I paid off all my loans. And now I got extra money coming in every month where I can say, yeah, somehow to these geniuses who manage FICO, they they they I let let's talk about that. Can you get give us some behind-the-curtain stuff on on how this works?

SPEAKER_00

Well, before we do that, this is also something else. Um, I I just forgot what I was about to bring up. Okay, new accounts, that's what it was. So recently, clearly, we just moved to the Phoenix area. We applied for the mortgage, got the ding on our credit, but yet now the account is gonna start reporting to our credit, which it has. Guess what? When a new account hits your credit, that also drops your credit score because it shortens your average age of credit history. So none of this stuff really makes sense, Tim. However, it's almost like I kind of agree with the people that says it's not called the credit score, it's called a debt score because once you pay off all your debts, then you no longer have that score. I can agree with that, but you know, there's there's just a so many things to where I just think this whole score model uh was just built more like not really helping consumers, more than just keeping the people in the fake American dream, right? It's just one of those things that don't make sense, which we can probably shouldn't go off topic here. But there's a lot of things in the the medical industry that I don't agree with, all the the medicines and and the chemicals that people put into their bodies that can uh usually uh proceed to something else health-related down the line, and then doctors get paid from that. So a lot of things when it comes to finances and banks and the people that built the FICO system, which kind of goes over your question here. I feel like a lot of this stuff, Tim, was designed for a purpose. Now, I can argue that the purpose of this is to make people feel like they're helping their credit, but every single thing that they think they're doing good is actually going to drop their credit based on how the FICO system was designed to do. And then when they go and apply for new accounts, legally they can charge more interest because their scores are lower than whatever their minimum requirement is. So a lot of people they may have a 750 credit score today, and they may go off and pay off their accounts just thinking that's the right thing to do. Like, who would not pay off accounts and save so many thousands in interest, right? So you would go to do that, but then you pay it off, and now you lose credit history or you lose the amount of open credit history that you have, and now you go from a 750 to a 650. And guess what? When you go and apply for something legally based on your score, although you did nothing wrong financially, they can legally charge you more interest because your score is lower than whatever their minimum is for their best rates and things like that. So um, you know, many people may not agree with that, but I just think deep down, Tim, there's a bigger picture um to whoever is at FICO designing this. I I think there's a bigger picture uh than what we both can see here just looking at it from the outside.

SPEAKER_01

Yeah, I mean, I I think um I I think bankers are evil. I think FICO was designed by the bankers. I think the last thing they want is you to have financial independence. They want you, that's why these morons came out with a 50-year mortgage idea. Are you freaking kidding me? Yeah. A 50-year debt slave. And then and and then you're gonna tell me that you're doing this to help us? No, it's uh I'm I'm with you 100%. There's there's the same, it's designed by the same people who give immunity to the glyphosphate producers, who gives immunity to the uh BS uh COVID injection uh organizations. Um it's the same people who tell you that you have to get it, but they they they leave themselves out of that requirement. It's Congress. I mean, it's we we uh the the deep state Congress, whatever you want to talk about. I mean, dude, I'll go all the way down that because uh it is 100% not like there are people I remember growing up, I I I had this beautiful friend of the family, and she truly in her heart, and and she believed that um the the president, the government was was really truly looking out for her best interest. And and it was um it was amazing to me because even from a young age, I was like, you know, that's very sweet. People tend to paint the outside of their reality with what they feel internally. So she was a very sweet, kind, generous, giving person. Um, you know, she she followed Jesus. She was so she was very just uh put everybody else before her just like Jesus would have. And and so therefore, she felt like, well, gosh, well, if I feel that way, then that's probably how the rest of the world feels about me. But it's right. And and it's it it's that line of thinking that allows these people who are now in charge of us to pull. You know, I don't know if you saw this yesterday. Um, Congress has paid millions, maybe dozens, maybe hundreds of millions of dollars out in in hush money to people that are congressmen have sexually harassed, sexually assaulted, whatever. And so Thomas Massey, uh, and I forget who else brings up a vote to say, hey, we're gonna, we're just gonna we're gonna expose this.

SPEAKER_00

Yeah.

SPEAKER_01

65 people voted in favor. Everybody else voted against it. What a bunch of scumbags, dude. Yeah, and those are the people who are running this. They they they they set up these rules, they they set up rules for us to march by, but but meanwhile, they can inside trade. Um, they can go ahead and do whatever they want, they can avoid whatever vaccinations they want to avoid, they can go wherever they want. Um, and it's it's it's just wild, man.

SPEAKER_00

Absolutely.

SPEAKER_01

I people people get so wrapped up, like, like when they they say, oh, it's it's Democrats this and the Republicans this. I'm like, dude, there is no Democrat. They are all exactly the same. They party behind closed doors with each other, they fight on camera for our benefit. For for guys like us who are stupid enough to believe that they actually are on separate teams. They're not. Politics is not a team sport. And I've got way too many dudes I'm friends with who feel like, oh, I don't care as long as this evil atrocity was done, and when our guys in charge, we're winning. That's a that's a touchdown for us.

SPEAKER_00

Sorry, no.

SPEAKER_01

Yeah, it's it's not them fighting with each other, it's all of them versus all of us. And the sooner people wake up to that, shit, dude. I don't know how we got off on this tangent, but like now I'm getting fucked up.

SPEAKER_00

Yeah, yeah. I mean, look at it this way you know, two NFL teams, right? You you have two teams, they both have their own separate fans and they're all fighting each other in the stands. But guess what? Those football players, they're at the same restaurants after the game, they're at the same bars, you know. Yeah, yeah, they're on vacation together, you know, they're on different teams, but behind closed doors, them guys are out partying, you know. So, I'm cool with that. Yeah, that's how it should be when it comes to the NFL.

SPEAKER_01

Yeah, when it comes to my guy, you know, when when I when I'm when you know, when people look at you like there's something wrong with you, because you're expecting a politician that you voted for to do what he said he was gonna do, and then you expect him to do it, he doesn't do it. And and the response is, oh, you know, man, all politicians lie. That's sorry, that's not good enough. Right. All politicians need to get punched in the face then for for you don't lie to me.

SPEAKER_00

Yeah.

SPEAKER_01

Anyway, so um I would I would love to kind of bring this back around. So how does act how does credit repair actually work? So let's let's say that I'm I'm coming at you and I've just got dog crap credit. You know, I've got, you know, maybe it's a foreclosure, maybe it's a short sale. Um, you know, because I know that you you had said in the past, sometimes these things aren't even real, they're erroneous. But let's say that somebody truly, truly has bad credit. Like they of course, like I like I'll say, yeah, I I I had a Dodge Challenger, man, and and I I I had it repossessed and and life sucks right now. What what do I do?

SPEAKER_00

There you go. So I'm actually going to stick more to that repossession topic because that is something common, uh, very common on a lot of credit reports that I see every day, Tim. So, first thing first, right? Credit repair, there's there has to be a certain reason why something can be deleted from your credit report. You just can't go out and buy a car and never make your first payment and say, Okay, well, I'm gonna sign up with Sturgis Credit Repair, I'll be in a new vehicle next month. It does not work like that. If that was the case, Tim, I would be at a Lamborghini dealership right now and and getting a Lamborghini for ten thousand dollars down and and never making the payment, you know. I will have a free Lambo. So um, but anyway, um, again, it has to be a reason. The main reason why something is deleted because of wrong information reporting to credit reports. If you look at all three credit reports, and still to this day, I don't understand how things are reported incorrect uh incorrectly because things are reported electronically. But hear me out when we look at all three credit reports Equifax, TransUnion, Experian, I can almost guarantee I have not seen one credit report that has every single account correctly reported across the board there. So um one credit report or one bureau report uh is gonna have one last payment made date. The next report is gonna have a completely separate date that you made your last payment. Then you have a closing date on those accounts, those are gonna be different. Opening dates, the original balance, very important. A lot of times, these creditors do not either report the original balance or they would just report it as an even number. If the original balance was ten thousand dollars and fifty cents, they just may put ten thousand and zero cents or ten thousand and one dollar or something like that. It's just a reporting code, how they report it. So uh if there's anything like that, small changes, small inaccurate information reporting, the credit bureaus will delete it. Well, why would the credit bureaus delete it if it's an accurate account or not an accurate account, if it's a legit account, it's because the Fair Credit Reporting Act says so. If there's anything inaccurate, if there's anything incomplete, if there's anything unverified, if the creditor does not respond, it gets deleted. So even if every single thing is accurate, every single thing is is there, nothing's missing, nothing's unverifiable. If they simply do not respond to the dispute request, the credit bureaus delete it. So moving forward.

SPEAKER_01

So let's say that two credit bureaus report uh ten thousand five hundred dollars, and then the third credit bureau reports ten thousand. Who's right, who's wrong, or just because there's a dispute, all three necessarily have to delete it.

SPEAKER_00

Good good point there, Tim. And that's actually why the credit repair process is a time consuming process. A lot of people think something is going to be done overnight. So when you when you're not sure which one is correct, guess what we have to do? We then have to request these documents from the original creditor. As an authorized third party, we are allowed to request those statements, billing statements, billing contracts, uh, original contracts of those accounts, those creditors mail those here. We review that, compare that to the credit reports, then we can see which bureau is actually reporting incorrectly. Uh, kind of the same thing with the repossession topic that you're mentioning. So when a vehicle gets repossessed, let's just say if I have a vehicle and I owe 20 grand even on it, just to keep it easy, and it got repossessed. The bank's job, Tim, is to make their money back because me as the consumer, I couldn't afford to keep paying the car note and they don't just take a$20,000 loss that they still have as a balance, they sell that vehicle at auction and they bid on that vehicle. So let's just say a dealership comes in or a rental car company comes in and they're trying to make 20 grand. Clearly, they're not gonna make that at auction, they're probably gonna make anywhere between 10,000, maybe 12,000, maybe 15,000. Well, guess what? Legally, I'm responsible, or at least the bank is hoping that I'm responsible to cover that difference. And that difference, Tim, is actually the new balance that is supposed to be reported to my credit report. Guess what happens 98% of the time? 20 grand is still on my credit report as of today. So now we challenge that because I know that is not the uh correct balance on there. So we have to do two things. Number one, nine times out of 10, people also have gap insurance, extended warranties, all of these tire and wheel add-ons on there. When a vehicle gets um um repossessed and the account is closed out, uh, the the lender will actually cancel all of those add-ons that's on there because they're uh compensated for that because that's more money that they get back anyway to kind of recoup from the loss. A lot of times, even if they did go back and update the balance from the auction team, they still did not update the balance from uh the prorated amount from gap warranty. So we have to request all of this stuff. We can't just simply um just jump up and just see errors on there. No, there's documents that we have to request, and we have to get all of these things to prove what we're actually challenging. Yeah, we may can just send out stuff that's just say, hey, we notice this balance is still 20 grand, but uh we don't think it's 20 grand. Well, the credit bureaus are gonna say, okay, what supporting documents do you have to back this up? The creditor claims everything's correct. So uh dispute denied. This is going to remain, and that's gonna happen, you know. So that's why we have to grab these documents compared to the credit reports, which is time consuming. We may be request that stuff, they may say, We receive your request, please allow us 30 to 45 days to forward this information back to you. We have gotten That several times. And before you know it, you know, it's been three months before we can actually get the deletion request that we need for the credit bureaus, and that item gets deleted, just because we have proved the case here. Now, if the creditor just simply never responded the first time, or they just simply could not verify that the account belongs to you, or something minor like that, then yeah, the credit bureaus will just delete it right then and there. But actual paper trail uh work that we have to do can be very time consuming. So that's interesting. Yeah, that's how that will work in that case.

SPEAKER_01

If if if you've got three credit bureaus and one of them is reporting, uh, let's say two of them are reporting an accurate number, but the third one is not. Because the third one is not, do all three necessarily then have to eliminate that off of all three credit bureaus, or how does that work?

SPEAKER_00

No, just the two inaccurate ones. So the credit bureaus are all three privately owned companies, and and I have to preach this a lot. Just because Equifax deleted something, experienced and transunion do not have to agree with that. In fact, you still have to go back and fight with them. So uh, there's many cases to where there's situations to where an item may not get deleted from all three because there is no reason to get it deleted from all three. So, again, items are only deleted if it's unverifiable, if there's inaccurate information reporting. And again, if it's not inaccurate, it's not going to get removed. Um, thirdly, if the item um is incomplete, meaning when you sit when you look at a credit report, there has to be um data listed under every line. So opening date, close date, last activity date, original balance amount, um, closing balance amount. You know, if the account was charged off, paid in good standings, whatever. Uh, if there's situations to where it says NA, or in most cases it would just have a blank or a dash, that is an inaccurate account. Even if every single thing is correct and everything is filled out except one line, the Fair Credit Reporting Act allows you to challenge that and request that item to be deleted because it is incomplete. For those who are watching or listening, this you can go to Google right now and just type in um what is needed for an account to be deleted from my credit report, and it will list those four things. Now, some people are gonna argue that there are more consumer laws and stuff like that. I don't focus on that stuff, I just focus on the four things that's in the Fair Credit Reporting Act that's gonna determine if something is gonna be deleted or not deleted, and in 90% of the time, there's gonna be majority of that stuff that's being reported on there that's affecting you. Majority of that stuff is gonna get deleted anyway. But going back to Tim's question here, uh, yeah, if there's two bureaus reporting inaccurately, and then the third bureau is 1,000% correct, well, sadly, you can't fix all three reports, you can only fix those two reports because at the end of the day, going back to my funny example here about going finance a Lamborghini with the minimum amount down and never paying it again. If things were that easy to where you can automatically get anything removed off of your credit, I would never pay another mortgage payment on my home. I would just, you know, let it foreclose and just never care about making payments or only make payments once every two or three months, so I can just live in the home and not have it affect my credit if it was truly that easy. So yeah, that that will answer that.

SPEAKER_01

So the um I I think what's what I'm I'm trying to understand here is if um, so let's say that you have a disputed charge. Let's say somebody um, you know, some guy came to build a fence at your house or something or you know, whatever, and they did they did half the job, but um and you fired them from the job because the half that they built looked like crap. And they said, and you said, forget it. I don't have any faith and they're gonna say, no, you signed a contract, uh, we are out here, we did so now you dispute, now they they charge a, you know, they they create a delinquent uh bill to your credit report. Um, you know, does the do the credit bureaus naturally or tend to take the side of the creditor or do they listen to the consumer?

SPEAKER_00

Well, that's a hard situation, Tim, because two things with this. Um, so if there's a consumer um dispute there, that's more related to the consumer and the bank disputing a charge. Now that alone won't affect anything with their credit reports because that wouldn't be reported to their credit reports. Now, let's just say you, Tim, you hired a company, a contractor to do some work around your home and you're like, This is crap, I'm not paying this, and they still build it, bill it to your credit card now, right here at this time. Yeah, yeah, right here at this time, it has nothing to do with credit. But if you're if your bank is like, nah, Tim, um, we we didn't win this dispute here, you have to pay it. So, in your mindset, you're like, Yeah, screw this, I'm not paying that. Now it goes to collections. Now, this is a different situation here. So I want to say it's it's more this would honestly, this is actually going to be more in the consumer favor at this point because it's gonna be one of those unverified uh unverifiable cases there at that point, Tim. Um, it's still gonna be complicated because you truly can't just jump up and say, Oh, I didn't approve this. Because if this company or this contractor got the contract you signed, there's really no proof of you uh not being pleased with the job, right? There's no proof of that. So, what there is proof of you signing this contract and agreeing to pay. So initially, it is gonna cause some conflict. The credit bureaus may not eventually agree with that, Tim, but as you continue to fight and kind of prove the situation and you have your pay per trail of you attempting to dispute this with your bank right there, 90% of the time, Tim, you're gonna win that war with the credit bureaus, but you have to have all of your evidence in line. You can't just say, Oh, um, this collection that's on my credit. Yeah, I don't remember um accepting that. Uh, I want to dispute this. Well, the credit bureaus are gonna be like, Okay, uh, you didn't try to do this with your bank at first. You know, this item doesn't get charged off until it's been like four or five months. So, you mean to tell me in four or five months without this reporting to your credit, you haven't done anything to fight this or taken any action on this. This don't sound too right, but now apparently you're trying to use your credit to buy a car or use your credit to buy a home. Now you want to dispute some of this stuff and you want to challenge some of these items. So uh that's kind of how the credit bureaus uh dispute department work in cases like that.

SPEAKER_01

Interesting. Yeah, I I've got a uh I've got a 19-year-old daughter in in college right now. And and actually I I was messaging you on this the other the other day. Um, so I gotta figure out how to how to get a um I gotta buy uh one of your books for her, but I want you to figure out how to autograph it.

SPEAKER_00

Yeah, absolutely. Hey, I can't. You gotta find it before you get it to me.

SPEAKER_01

Yeah, but uh because I want her to start learning this stuff at a young age, and and I don't know as much about this as I should. Um and and it's like such a valuable skill to understand. So um do people get involved with with sturgists um before there's a problem? Like, does it does it do it, do you have like how does how does it how does one start the process of even working with you? What does that look like? I mean, if you care to talk about you know how you guys set up your fee structure, does it depend on the complexity of the case? Or is it you know I'd love to hear how the the whole how the whole thing works.

SPEAKER_00

So um, as operating a credit repair firm or a credit repair organization, there's actually two things that regulate the credit repair organization or the credit repair industry to eliminate scams, to eliminate these knuckleheads that's all on social media these days, claiming they're in the credit repair industry that I expose all the time. I love that.

SPEAKER_01

Those are my favorite.

SPEAKER_00

I just love that voicemails you've gotten. Um, so um, there's two things. We have the credit repair organizations act. Um, a few key points in that act states you can legally not charge money upfront for services. So you see this a lot during tax season time when people uh sadly are getting a lot of money and they're in a rush to do things, they're car shopping. These people are the number one target to scam. Okay, they know they just got money, and these people online they are trying to rob you. Anytime you see a misleading ad that states I can sweep your credit, that's the term that they use. Sweep. Sweep, okay. No one, and I mean absolutely no one in the credit repair industry that is a professional like me will use the word sweep. Okay, when they say credit sweep, they're already a scam. What their their term is, they're claiming they can sweep everything off of your credit in seven days or 14 days or even 30 days. Clearly, that does not work. So a lot of these people are charging twelve hundred dollars, fifteen hundred dollars. I had one lady call and say, Yeah, some other guy on TikTok, his package is five thousand dollars. And I'm like, How are you talking? How did you find these people? Like, how are you even calling? The stuff on your credit isn't even five thousand dollars. What are we doing here? And it is just I used to feel sorry. I really did used to feel sorry for the consumers that fell for this, but it got to the point. I'm like, look, some of y'all are doing this to y'all's sales, but getting back on topic here, Tim, um, you cannot legally charge upfront fees before you begin services. You cannot start services unless they sign your agreement or authorization form. Um, you must offer a free cancellation anytime. If a consumer wishes to cancel the second they sign up, they are granted a free cancellation anytime. In fact, uh, if you do have some type of weird fee structure, they're able to legally cancel within three days, even if you charge them the first day, but they signed up for free and then you charge them after you process everything. That's legally uh can be done. But uh, if they cancel within three days, if you do wish to do that, you do have to refund that client. Uh, what else is stakes? Uh, no fake promises. You can't go out and make billboards and pay for Google ads and social media ads stating that whatever you have on your credit, we can fix it. I'm pretty sure most attorneys have these same laws because an attorney cannot promise or guarantee to uh win someone's case, they cannot get someone out of jail, they cannot win a random lawsuit and make all of these misleading marketing uh ads because it's up to the court, it's up to the prosecutor, it's up to the district attorney to actually um process uh sentences and stuff like that. It's up to the judge. So, same thing with credit repair. You cannot go out and say, hey, if you have 50 repossessions on your credit, sign up with Sturgis Credit Repair because we can get it removed within seven days. You can't do that, right? It has to be reasons why something gets deleted. So um, those are some of the main uh rules and laws that regulate us in the credit repair industry. So with Sturgis Credit Repair, we uh we actually offer a free trial for all clients, which uh that shocks a lot of people because a lot of people see all of these scams online, and when they call or maybe when they go to Sturgis Credit Repair and they're signing up and they're filling in everything, uh some people finish their enrollment and then they call and say, Hey, um, I signed up, I'm a client now, but um it looks like I don't pay anything right now or this month. I'm like, you don't. We offer a free trial and and look, Tim, if you sign up right now, we process everything and you're like, Yeah, I don't want to do this. You go in, you cancel your account. Even if five things gotten deleted that first round, you don't owe a dime. You know, we truly offer a first month free trial. So that's that's how um much it goes as far as signing up for the service. Now, if someone wishes to continue our service, we only offer a simple$100 subscription, and and that pretty much takes care of the phone calls that we have to have with people talking on the phone.

SPEAKER_01

$100 a month.

SPEAKER_00

Wow, yeah, it's it's been that way since day one, Tim. Um, the average uh credit repair company now are charging anywhere between$120 and$150. I focus more on a um volume way of growing the business. So I focus more on people trying to get in, um, not having to pay anything up front and a very, very low cost. You can't go to a restaurant in one hour for less than$100 these days. In fact, my wife and I went to a Mexican restaurant last night, not even fine dining. And man, all we got was a uh chips and queso salso trio appetizer. Um, she got a small margarita, I got a medium margarita, and then we both got our entrees. It was eighty-eight dollars plus tip, it was like 115 after everything, and I'm like, And then how's that golden age treating you?

SPEAKER_01

How's that cost of living going down treating you? Yeah, yeah, absolutely insane.

SPEAKER_00

We were only here for for 35 minutes and$115 gone. And look, our monthly service is only$100. So, you know, some people can argue, oh,$100, I don't got that to spend. I'm like, Yeah, you do. But anyway, um, our service is very low cost, Tim. I mean, like I said, it costs what you spend in a restaurant in 30 minutes. Um, and like I say, it's no guarantee of how long you need to stay enrolled, or um, you know, you can't cancel within a certain time, you can cancel whenever you want to. Uh, but signing up, all you do is go to SturgisCreditrepair.com, you submit your information. It takes two minutes to sign up and you start your free trial. Um, if there are situations to where things are going a little not in a favorable spot, or maybe we need more support and details, we will have those consultations with clients. But yeah, Tim, that hundred dollars it covers uh receiving all of the documents, sending the documents. We go through at least, and I just posted this on my my social media pages. You've probably seen this as well. I mean, we get buckets and buckets of containers of responses and results every single day from the credit bureaus, from the creditors, all of these uh documents and paperwork we have to get that alone is time consuming, just opening all of that crap. And then these phone consultations, man, they're like 40 minutes long. And and then, you know, I hate to say this about some clients, which I'm not talking bad on anyone, but Tim, I get some clients and I preach this every single day. I'm like, hey, look, once you sign up, it takes 30 days for them to process this. Your credit report only updates once a month because you pay your bills once a month. If I just processed everything yesterday, there's nothing for me to look at or tell you two days from now. So your stuff is still being shipped in the mail. Like they haven't even gotten your paperwork yet. And I get customers call every two days. Hey, what's my update? Hey, what's my update? Hey, my credit score didn't change since I just signed up yesterday. What's going on? Is everything okay? Can I be helped? So for a hundred dollars and and and some customers do all of that. I'm like, uh man, I've considered increasing pricing a little bit just to kind of weed out some of this just on that guy, yeah. Yeah, yeah. So um, yeah, it's a very low cost. Um, now going back to your original question before that about the sign-up process, um, do we help people that necessarily don't need credit repair today and may need a earlier on credit monitoring or anything like that? So, our service of credit repair um wouldn't really market to people who don't need credit repair. Uh, but for for people who are really interested in what's on their credit and maybe monitoring their credit on our website, SturgisCreditrepair.com, if you click the credit building products page and scroll to the bottom, you can actually sign up for the free trial of our in-house credit monitoring service that pretty much links your account to our software and it pretty much will give you a notification every month if something's added to your credit or notification if your scores drop or pretty much anything like that, and then we can schedule those consultations. But as far as the$100 a month thing, no, you don't have to enroll in that if you don't need credit repair. Uh, but yeah, Tim, that that's mostly everything and how everything goes on at Sturgis Credit Repair.

SPEAKER_01

Yeah, that that is incredible. I uh I know that we're we're actually uh approaching the the end of our time together. So I I one thing I I do want to um give people is is a way to get in touch with you. Um if they you know if you're somebody out there who's kind of if this is like a mystery to you as it was to me, um if you find yourself with things uh your your credit res your credit score isn't as high as you were hoping it would be or you thought it should be, you want somebody laying another set of eyes on it to say, hey, yeah, you you're you're right. Um this is absolutely not right. And and you want somebody in your corner that's already gone through this process thousands of times and helped people. Um, I I can't say enough thing good things about about Chris Burgess and and his. I mean, I've I've I've seen the stories, I've seen the people um thanking him on on uh you know several occasions on on his uh Instagram. I've I've seen him exposing the scams out there. So it's just good, you know, I I'm a big believer in working with good people. Yeah, and I think you're good people and and uh so I'd love to I'd love to, you know, how how can people learn more about you? How do they get in touch with you? Um let's talk them through that before we uh part ways here.

SPEAKER_00

Yeah, thank you so much, Tim. So um the easiest way to get in contact with me directly or Sturgis Credit Repair uh is as easy as searching Sturgis Credit Repair anywhere online. If you go to Google and search Sturgis Credit Repair.com, right there, you can go to our website. And the way that I I've grown over the last few years, just to kind of shortly go over this real quick, is making everything so easy for consumers online. Me personally, every utility bill that I have, Tim, I have my online portal I can go to to pay my bill. Um, you know, just things as simple as ordering things online through Amazon. You know, 90% of the stuff in my home is shipped to me by buying it online on Amazon. That saves me time from going to a store. So, same thing with credit repair. I have built the Sturgis Credit Repair website to where people can get answers within seconds. If they go to our FAQ page, pricing plan, how long they need to be in road, what do we work on? Who's our idea client? What's the laws we must follow? Can we pay up front without the free trial? It would literally tell you why we can't accept money up front. So I built this to where people do not have to waste time calling. There's a lot of companies out there, you have to call just to get that pricing. You have to sit on hold for 10 minutes before you can get in contact with someone, you know. So everything is available online at Sturgis Creditrepair.com. You can submit your information to sign up within two minutes and be a client as easy as that. You can fill out the contact form if you have any additional questions. You can reach out to Sturgis Credit Repair on Facebook, uh, Instagram. If you have any questions, you can email us info at Sturgis Creditrepair.com. Even some of our realtors or loan officers who are listening or watching this episode, if you wish to partner, or maybe you have questions to how you can help your clients. If you don't want to partner with anyone, give me a call directly 225-243-9700. At the greeting, if you press number one or zero, the call will actually be forwarded directly to me every single time. And that's actually all methods to get in contact with me, Tim.

SPEAKER_01

That's awesome, man. That's awesome. And uh late ladies, he is a married man, so he gave his phone number out there. Don't don't take it back.

SPEAKER_00

Yeah, absolutely.

SPEAKER_01

Man, I always I always learn a ton and um I love your energy, and I'm just so impressed with the origin story. Um I didn't realize that. So golly, I I wish I wish more people could could take what you did and learn from it. Um wow, uh just just outstanding. So um, well, uh Chris, uh I'm we're going to uh check out your book. It pays to have good credit. Um and uh yeah, I can't wait to um I I know my daughter's gonna read that thing cover to cover, as I will too. And uh folks, um again, uh you've got Chris's contact info. You know me, I'm Tim the Fismo guy, foolprooffismo.com. If I can ever help you with anything, uh you know how to get in touch with me. And uh thanks for watching today. We will see you next week on on Friday, as we do every Friday at noon Eastern for another live stream. So uh until then, we'll see you next time. Uh and Chris, thanks again, man. I I really appreciate you coming on.

SPEAKER_00

Absolutely.