Building A Multi-Million Dollar Operation From Ground Zero - Derricka Harwell

A few years ago, our guest today was so far down. She was homeless and living in her car with her two kids. But she now runs a huge credit repair operation which has made her a multimillionaire. And today she's going to tell us exactly how that happened and how she built her business up from ground zero to where it is today and how you can, too. So the big question is this. How can we take our passion for helping people with their credit and turn it into a success business without taking loans, without spending a fortune by bootstrapping it from nothing so we can help the most people and still become highly profitable? That is the question, and this podcast will give you the answer. My name is Daniel Rosen, and welcome to Credit Repair Business Secrets. Hey, Credit heroes. I am so excited. Our guest today is the author of Beautiful Credit. She is a married mom of six with an amazing story. At one point she was homeless and lived in her car. She now runs a huge credit repair operation and has become a multimillionaire. And she's going to tell us exactly how that happened and exactly how she built her business up from ground zero and how you can too. So please welcome to the podcast. Derek Harwell. Hey, Derecka, welcome.

Hey, thank you so much for having me. I'm very excited to be here.

I'm excited you're here and I'm glad you had time for us because I understand you're on tour. Tell us about that tour.

So I am on a 18 city, 2 country tour where I am going to high schools as well as some of the prisons and jails, talking to people about credit, educating them on credit. The tour started last year with going to the various high schools and educating high school graduating seniors with that one course that's not taught in schools, which is credit, so that when they graduate, they go to college, they know what taking on student loans means and credit cards and things of that nature. And then also with the male incarceration rate for my specific culture, it is something that is extremely devastating and I just kind of wanted to do my part. And so we included the prisons this year. So going to those particular areas where it's very poverty driven and trying to give as much education as possible. So I have been busy.

Wow. Hey, I want to know more about that. Wow. What is that like walking into a prison? Tell us about that experience.

It is at first overwhelming because the most I've ever gotten in trouble for was like a parking ticket. But I am the product of a child whose father was in prison pretty Much his entire life. I just reunited with my dad at the age of 33, which was last year. And so this was something that was very. It was very personal to me that I do something of this nature since getting back in my dad's life, assisting him with fixing his Credit. He's a 770, just got approved for a home, and different things of that nature. And I said, you know, Will, if I have the opportunity to share this type of information and education with him and give him this guidance, there's so many other lives that can be turned around. So him, myself, and my husband started talking about the system and what are some things that we can do to attribute to it. And we start throwing different cities into the tour for it.

Wow. Was your father in prison all your life?

My father was in prison the last time before last year. So last year I went back home. I'm from Milwaukee, Wisconsin. I went back home, and I was surprised by the mayor of Milwaukee, Wisconsin, with the proclamation, so August 9th is Derek Harwell Day.

Wow.

And, yeah, I was very excited about that. And the very next day, my husband was like, hey, let's get in touch with your dad. Let's make this happen for you to meet your dad. So that was the first time I had seen him since I was three years old, the last time I saw him. And Now I'll be 34 this year. So at that point, it was just. It was a very difficult thing to kind of. It was just so many emotions more than anything to see. But, yeah, he was in prison for a very long time. He was just kind of in and out. So I just didn't get the opportunity to see him. I didn't grow up with him right by my side. But we are definitely making up for lost time now. And credit is a huge part of his life. So he's loving it. He's absolutely loving it.

That's awesome. Now, how about going in to speak at a prison for the first time? Was that scary?

It was. I think it's the level of nervousness that I had was probably the same as I do when I go speak before anyone. It wasn't anything that I was really scared about. I'm speaking to a very specific group of individuals that are there, so it wasn't anything that was intimidating. I'm a tough girl. But I will say, listening to their stories, I thought that I was gonna go there and I was just gonna teach them something. And they end up teaching me a lot. A lot about life, a lot about everything. So it was very powerful, very empowering to be able to give them some of the things that they needed. So I'm like, hey, while you're in here and you got some time on your hands, here's how to write an effective dispute letter. So when you get out, you got good credit. You can do this, you can do that. And so listening to them say, hey, I was gonna. I was. I'm in here, I'm in trouble for flipping bricks, you know, doing the bad thing. But now I can get out and do real estate and flip real bricks and do this, you know, in a whole nother light. So it's just. It's very empowering. It's very amazing. I was just. I was nervous. I'll be honest. I was nervous. Not scared, but definitely nervous at first.

Wow. What's flipping a brick?

That is a. It's basically selling drugs. What? It is? Yes. They call it bricks, the type of drugs that it is. So they went in prison for selling drugs and for doing things in terms of drugs and distribution and things of that nature. And now they're out in some of these same houses that, you know, they were arrested in front of or were doing illegitimate things out of, you know, these vacant houses. Well, now these are going to become their investment properties. And that's extremely powerful, you know, to know that I can go in and give you the education to get you there.

Wow, that's really, really cool.

Thank you.

I love that.

Thank you.

And I would love to go back and learn more about what your life was like before credit repair.

Or we can go back even before that.

Let's go back even before that. First, tell me more about your childhood, because this is fascinating.

Thank you. I am the oldest of four sisters. I was always the very honor roll, ab. Honor roll student. I grew up with my mother and my stepdad, who I just called my dad, who's an amazing man. He's a pastor. I love him to death. I had very humble beginnings, if I can call them that. Never had any type of education on credit, never had any type of anything. But I did go to the best school in the state of Wisconsin, and it is still the best school to this day in terms of high school. But I still didn't get education on credit. So as I got older, I did go to college. I attended Lane College, and when I left Lane, I went to Virginia. And being in Virginia was quite the experience because I did go through homelessness with my daughters. I separated from my husband, who. Who wasn't my husband at the time we were just dating and I experienced homelessness. And it was extremely, extremely difficult, especially with two children. Most people, when they tell you they've been homeless, they've been like, from couch to couch or they're at this person's place. I didn't even have that luxury. I didn't have the luxury of a hotel. I was literally in a 1995 Ford Explorer. And I was too embarrassed to share this with anyone. And when I did share, a lot of people didn't take it as the opportunity to assist me. No one took it as, oh, we need to get her some help. Let's take up an offering at the church. Let's do it. Just really created more conversations about me. That was. That was really it. Which was even more devastating. So when I say I'm tough, I've been through, yeah, I can't imagine.

So you were living in the car with your kids?

I was living in the car with my two daughters. My youngest daughter at that time, my Gabby Cakes is what I call her. She was still in a car seat, couldn't even walk, still drinking milk, not even solid food yet. And it was difficult. Every single day of that was extremely difficult. I remember being cold and having to ration out when I could crank up the vehicle so that it could be warm. You know, I remember having to put my oldest, who's going to be 13 this year, but she was barely two at the time, and she was potty trained. But I remember crying, telling her that I had to put a pull up back on her. And you have to use the bathroom in this pull up. It's 3am we can't walk into any of these places. So you can go to the bathroom. You have to wait till the sun comes up. You know, I remember having those conversations, those very difficult conversations with her, and she not really understanding, but still being obedient. It was just a very low time for me. I suffered from depression because of that. I felt like I failed as a mother. I just. I felt like I failed all the way around. So it was very, very difficult. And the craziest part is I still worked. I still got up and went to work. I was a waitress at the time, so. And. But it didn't stop my drive. I was still putting in applications. Later on, I did end up getting a job at the bank. I met a phenomenal woman. I call her Mama Anna. But she took myself and my kids in and assisted me with getting proper attire, and I started working for the bank. And that was my introduction to credit and how important it really was and, you know, everything that surrounds it. That and the student loan people were still calling me.

Wow, what were you doing at the bank?

So I worked at the bank as a financial service consultant, and it was really amazing. I processed mortgages. I did everything from credit cards to sales. I did a little bit of everything. I worked in a personal banker position as well. When I switched from one bank to another, and I loved it. I loved it. It really taught me a lot. It gave me a lot of education. The first bank I worked for, they actually had a university where you go in and you learn about credit. It's, I think it's 12 weeks long. You learn about credit, you learn about mortgages, you learn about small business. So you just kind of have that education all the way around before you start servicing people. And I thought that was really amazing.

I'll bet that was amazing. And then as you're helping people with the loans and things like that, that's when you were starting to see all the credit issues.

Yes. So I learned a lot, Especially when I switched from one bank to another. I won't say which bank, but when I switched from one bank to another, it was just. It was a totally different world, I'll say that, because it was a much more conservative bank. And so I noticed that a lot of lower wealth. I don't say low income, I say low wealth, but a lot of lower wealth individuals that came in that could not get appro. You know, I had to read this thing verbatim to them, you know, like, it's a script. You have to stick to the script, read it to them. That's it. So I started taking the time out where I would read the script, I would stick to policy. However, I would start taking the time out to let them know, hey, listen, I've seen this happen. If you pay this down, you can do this. Because utilization makes up this much of your credit score. So pay this down, wait for it to report. Here's a free way to check your credit report and then come back to me in 30 days and I'll do your loan.

Wow.

Started kind of doing that, and I came in dressed up every day. They labeled me as the banker Barbie. And there would be a line at that bank, like, literally a line where everyone was waiting to be assisted by me, everyone. Because I would do more than just read you a script and send you on your way, and I start getting in trouble for it. And that's when my husband's like, you know what I think you could do something on your own. He said, I think instead of you getting in trouble, because I would take a long time with clients to sit with them. And, you know, and sometimes the larger banks, they don't see that as valuable. You know, when, when people come in, you got a certain amount of time to deal with each and every single person. So they don't always deem it as necessary to sit down and take 20 minutes, 30 minutes, you know, with one person, and you've got four other people to service. But people would literally come in to see me, only they would sit in the lobby and they're like, would you like to be assistant? No, I'm waiting on Derek.

Wow.

And it helps that I'm trilingual, so I speak 3 langu fluently. And so I would do a lot of the translating for the paperwork that was with the bank. So when I would get my Spanish speaking customers that would come in and they're like, nope, I want Jerrica only because she's going to break down that credit thing. So we're finally going to get a house. I don't want to talk to anyone else. The word spreads pretty quickly. And before I knew it, I walked out of bank of America's doors and never looked back.

Wow, that's amazing. Now I want a whole bunch of things I want to ask you all at once, but I've got to know, what was the third language?

Oh, you're Paolo Italiano. I speak Italian. Oh, how cool.

Oh, that's great. Yeah, it's interesting you're helping all these people at the bank. And actually, I mean, I believe the banks are evil. And I believe that the banks benefit a lot from people having bad credit because they can charge them more.

Absolutely.

Yeah.

So giving people that education to tell them the difference is probably what got me in the most trouble. Letting people know that, listen, you can get approved for this or you can do this and do this and come back to me in about 90 days. And your interest rate will be cut in half so the bank will make less money off you. You don't have to put down the down payment. You know, it puts you in a much greater position. And that a lot of times, when the credit score is better, depending on where they're located and where I was working at the time, from east coast to now the south, it was a lot more programs, you know, that were available. Hey, you got a 640. Well, now you can get this, you know, down payment assistance program that'll give you that $10,000 that you need to buy that home. So really trying. I was so much for the people and less for my employer.

Yeah.

Which, you know, we were going to have to part ways eventually.

Wow. So you left the bank and then how did you start to form your company with the credit repair?

Oh, my God. Goodness. So let me tell you, the credit repair cloud literally saved my business. So when I first got started, I had left the bank that I was employed for and I had so many people again. I was labeled as the banker Barbie. And people were looking for me all the time and would find me on Facebook. Hey, can you help me with this? Or can you just tell me this about my credit or. I just got a couple of questions. I know you're not at the bank anymore. So I literally started with a notebook and an ink pen. I didn't even have a laptop or anything. And so a good friend of mine at that time was going through a divorce and she said, hey, can you help me fix my credit? I'm trying to get an apartment. And I made all the excuses in the world just to be honest. I was like, I really don't know. I don't have the software. I don't have, you know, the bank I worked for, they had everything. I just got a notebook and she's like, no, I believe you can do it. And 21 days later, we deleted over $40,000 worth of debt. She was eligible to get into the apartment before her lease was even up where she was trying to go to. So that gave me all the confidence in the world.

Wow.

And she started telling other people. Then they start reaching out to my husband and beautify credit was born. Before I knew it, my husband had got me a laptop and then he got me a printer. Then I needed a fax machine and the L room became the office. It was just at that time we had. I think I was pregnant with Audrey, who was my fourth child. I have six children. Audrey was my fourth child. And we were giving birth to a baby and giving birth to the business all at the same time.

That's amazing.

Amazing. But we started with super humble beginnings. A notebook. And over time, after acquiring so many clients, it was a lot to keep up with. And so I started reaching out to other people that were in the credit repair industry. And I was like, hey, what are you guys using? How are you doing this? No one wanted to tell me anything. So I started looking things up online. I used another software before you guys, and that's how I almost lost my business. There Was like so many things that still I needed, you know. And I found the credit repair cloud and it was like I could feel my big mom smiling like, this is it. And so having the credit repair cloud, it literally, it took my business from a six figure business to a million dollar business, to a multimillion dollar business. And it's just, it's been amazing ever since.

Wow. I'm so glad to hear that. Me too.

You guys are amazing.

Thank you for believing in us. We look to see how long you had been with us and it was 2015, right, Keenan? Yeah. So thank you. And I'm so glad.

Absolutely. Thank you.

I'm so glad it's worked out so well. Thank you. Is this the first business you've ever had?

So I was in the beauty industry when I got labeled as the banker Barbie. I went into the beauty industry and decided I was gonna do everything beauty people wanted to know about my skin care routines, they wanted to know about my makeup and my hair and all that stuff. And so I went there because I was able to do that while I was still in banking. But my passion is where I am. So it just didn't last long. Like beauty's fun, but this is truly what I wanted.

Yeah. I mean, especially when your very first client, you gave life changing service within 21 days. That's amazing.

Yes. It was very mind blowing. And when I realized the impact, because sometimes we don't realize the impact that we have on other people's lives. And when she called, she was just in tears. She was like, I'm crying, you know, because I can finally get myself and my daughter into a better neighborhood. I know I'll be approved for this apartment now. Like, she was just so grateful. And I was just trying something, you know, hey, let me, let me get my feet wet then I still have this knowledge, you know, just because you leave a job doesn't mean the knowledge or education leaves you. So, you know, I still had it and I still wanted to push through. And it was the start of something very beautiful.

Wow. Really, really cool. Now for all the people listening, they're all at various degrees and starting their credit repair business or growing their credit repair business. I'd love to get into the business part, but a little bit here. I mean, I know, I understand your success stories play a big part of your success. I've seen all your testimonials on your site and on social media. Does that generate a lot of your business?

It does. I actually started my business very for 2020 is not as traditional as what most people would have. I'm someone that does a lot of homework, so I wanted to do a lot of homework on the business. I wanted to figure out how to get more clients as the business was, especially when I finally got your software and I realized I can take more people on than 10 and 20, and, you know, I can get hundreds of people. So I started doing. I made flyers. I took those flyers to where my specific demographic was. So I went to beauty salons. I went to nail shops. I was at laundromats. I was outside of Walmart. I made friends with every general manager from Memphis all the way to West Memphis, Arkansas. I brought Kroger donuts, and I would go to Krispy Kreme at the end of the night, and I would get those donuts for, like, $1.34 because I was, like, pinching pennies. And I would take those donuts the next morning to one of the salon owners and say, hey, breakfast is on beautify credit. Can I talk to some of your clients? And, oh, yeah, they're not telling you no with a donut and some coffee in their mouth. So I went out to my clients that way. And then as social media grew, I actually started on Periscope, which is kind of like what Facebook Live is for. Facebook, Periscope is for Twitter. So I started there and had a pretty huge following there. I can't even remember what my name was on there, but I started with maybe four people. So if anyone's listening, that is like, well, only three or four people show up on my lives. Keep doing it. I had a whole four people, and one of them was my mom. Okay. And then by the time I ended up leaving Periscope, it was about 290,000. So we huge following. And then Facebook Live became like, the next big thing. So I started doing Facebook lives and sharing information and education, and things just kind of went viral from there, which was really great for business.

Wow. And how often are you doing those Facebook lives?

Well, now, since the tour, not as frequently as I would like, but I would try to do one at least twice a week, maybe at the least once a week, But I would try to do them at least twice a week. And I would just come and give credit. Education. Give education that we're not normally taught in the school. Some of the things that I would teach to the high school seniors that I'm giving to them on the tour, a lot of did you knows is what I like to give. And when things change right now, we go through. And I don't get into politics, but I do tell you how some things in politics can affect your credit. So some things that were proposed and what this law means and how it can affect your credit, the Equifax breach was like huge. There was so many people that were on that live. It was was just craziness, but just coming and letting people know what this is, how it will affect you. Because sometimes we watch the news and we still don't get it. You know, they don't always speak into layman's terms. So I became the voice for the people to give that breakdown to.

Is there anything happening in the news right now that would affect us? Yes. What's going on? What's going on?

Yeah, there are a lot of things. So student loan forgiveness is probably one of the biggest things that a lot of people are looking forward to when it comes to politics and the presidential candidates, if you will. So those things of course affect you, affect your credit report getting those student loans forgiven, and if so, how are they going to be forgiven? Those are some things that can affect you. Sometimes we don't realize when there's a cancellation of debt, whether it's that old repossession or the student loans, you're going to get that 1099 C form. So really just going in and explaining what that is and how this is now a percentage of that is taxable income. So how they didn't just go away completely, you know, giving people those. Those particular breakdowns. I forget the councilwoman's name. I want to say starts first name. I think is Ayanna that made a proposal to make some changes with regard to how credit is reporting. I know Elizabeth Warren wanted to make some changes with regard to how your credit reports report and what reports on them. She wanted to have things such as your utility bills and things of that nature. So just letting people know how this can affect them and what can occur with this. When I talk to my audience, my students is what I like to call them. I like to give them what's called a breakdown of all your bills, their primary bills and secondary bills, according to Mrs. Harwell. And so your primary bills are what reports to the credit bureaus, your secondary bills are what doesn't, but you still have those bills. And if you are someone that's in a place where I once were, where I was trying to figure out which bill I can pay this month and how I was going to do that, I would always pay the primary bills first to preserve the credit and the secondary bills, I would make those payment arrangements and things like that. So when you have a presidential candidate that says, I'm going to take some of these secondary bills now and make them primary, it's important that people know that. It's important that people understand how this can affect them.

Absolutely. In fact, another thing I just heard about was they're wanting to take away power from the cfpb.

Yes, I did a live video about that as well. So the Consumer Financial Protection Bureau is the only bureau we have as consumers that look out for us in terms of big bad banks like we were talking about earlier. So when you are victimized in terms of predatory lending and things of that nature, it makes it very difficult for you to fight the big bad bank all by yourself. And even when it comes to things such as what's reporting on your credit report, sometimes we have to send things out to the Consumer Financial Protection Bureau as well. So they're wanting to kind of get rid of this bureau, even though it's the only one that's for us. So they've been talking this for about three years now. I don't think it's going to happen. But if you keep in tune with my Facebook page, you'll definitely know if it does.

Good. I'm going to be tuning in there for my new awesome. Now when I want to know how you get so much engagement from these posts, are you also sharing your personal stories?

So, yes, I do. I share a lot of my personal stories. Being into credit repair and fixing my own credit, it actually kind of catapulted me into the real estate game. And so a lot of people wanted to know, how are you acquiring so much wealth outside of credit repair? Credit repair can't be doing all that. And it was. It most definitely was. But real estate is something else. And that's really my husband's industry. But I just kind of dabble into it and I love so many aspects of it, so it just kind of pushed me into it as well. But sharing those stories online really helps to create the engagement that you need. People want to know who you are. You know, I've got a really great business page, I've got a great Instagram page and things of that nature. But the bulk of my engagement comes from my personal page. You know, everyone wants to know, well, if I give you my identity, who are you? You know, is she a mom, is she a wife? You know, what does she do? Do I have to worry about is this page going to disappear, you know, later on and so they get to learn more about me. They get to learn about my spirituality, they get to learn about my kids. Sometimes what I had for breakfast, you know, it just depends. And you always get some financial literacy on that page.

That's super cool. Do you tell stories about your clients as well, their success stories?

I do. So I have. And I told my husband, I said, if I do this interview, I'm going to promise not to get cherished eye, because my clients, they just. Oh, my God. I have some of the most amazing people that contact me with some of the most amazing stories. I get breast cancer survivors. I get just a little bit of everything. Most recently, I shared a story, I think it was last year, for a mom that had a disabled child. And she wanted to get. She got approved. She already had her home. She had gotten approved for a home. And this was years prior. She had a vehicle, and it was working. Years prior. She wanted a van that was wheelchair accessible because all she wanted to do was to be able to take her baby to the park. And I just thought this was so beautiful. I was like, and she's entrusting me to be able to do this. And so we worked on our credit for just a few months. It wasn't, you know, very long. And one day I got a picture to my iPhone and I just burst into tears. It was a picture of the water, and her son was sitting there in his wheelchair. She had gotten to take him out. And it was just. It was amazing. She said, I got the van, or I think she got a van, or she got a truck two days before. She said, you're the first person that I told. And it was just so amazing. You know, I'm. I'm the part of the family that gets to know your social and gets to know your date of birth and what's on your credit reports. It's just so incredibly rewarding. And then when you share those stories, other people, they get to share that experience with you, and it makes people feel open. You know, it's. It's kind of like it's okay to share my situation with her now because it's not so bad. Or I've heard that she's had worse, or, you know, this. This is. She's seen this. She's seen it all. So I know she can assist me. I did. I don't feel like my situation is so hopeless anymore. So sharing those stories is a huge part of creating that engagement. To let people know, you're normal, you're normal, it's okay. Everybody goes through something, whether it's divorce or sickness or anything that can affect that credit report, it's okay, and let's just take care of it.

Wow. It's amazing. Again, I have so many questions I want to ask, but just this really illustrates what we're always saying about being credit heroes and changing lives. You really are changing lives.

Thank you. And I love it. I love every aspect of it.

Yeah, it's so cool. It's so incredibly cool. And do most of your clients these days come from all the social media?

I think that most of my clients probably come from word of mouth. Now, I think in the beginning it was social media. Probably a good 80, 90% of my business was social media. But I get so many people now that are like, oh, my gosh, you're on social media. I didn't know, you know, and they've signed up, they've signed their cousin up, they've signed their spouses up, and three of their co workers have come along the ride. So when you're doing great work for people and you're really passionate about getting them to their goals and assisting them, you know, the word spreads. And I also, I attend. I don't know if you see it on my social media, but I go to closings, I go to the dealership, I negotiate. Like every dealership from South Haven, Mississippi, Olive Branch, Mississippi, all the way to Memphis, know me.

So, wow.

I go, I negotiate, I have conversations, you know, with my clients. Because sometimes it's not enough just to get good credit and have a great score and a great file, but if you've never had that, you really don't understand how to use it. You know, you really don't understand what advantages you have. So making sure I give them that education or having those conversations with them about what's the difference between an FHA loan and the conventional loan. You want to buy that house? Let's make sure you're in the best position. So when I show up at the housewarming with Grandma and I'm eating chocolate cake and I'm introduced as the woman that made it happen, everybody wants to connect with you.

So word of mouth is huge and always over delivering.

Absolutely. Yeah, absolutely. Yes, absolutely.

With all this word of mouth, do you even have to advertise at all?

I still do. I don't think you have to. But I think that consistency is something that's really important. I think it's really important that I always show up for my business. I think the day that I just stop showing up in its totality, my business will stop showing up for me. So advertising for me has been a little bit of a different form because it just comes in the form of education. You know, now I don't have to say, come and sign up with me. I can change your life. I can do this, I can do that. You know, And I say, please believe me. Now it's, you know, well, hey, did you know what was happening with this? Or did you know the law was changing and this is going to affect you this way? Meet me at 7pm Central Standard Time so I can tell you all about it. And now everybody's like engaged. I click in and there's like several thousand people there waiting on me. Like, what's where, what's going on? That in itself is a form of advertising, you know, so that's something that creates engagement. It builds credibility so people know who you are and what you're talking about. And you're not just, you know, Jane Doe out here saying, I can fix credit.

Absolutely. And you know what else gives you credibility? Having a book.

Thank you.

This is so awesome. Your book. What is? And for those of you just listening, not seeing the book is beautiful. Cross. Where can people get your book, by the way?

So my book, I'm new to Target stores, everyone, so I'm officially in Target and it is such an amazing feeling. So you can get my book at Target, you can get my book at Books a Million. You can get my book at Barnes and Noble. You can get my book if you have an iPhone. I'm at the Apple Ibook store. If you have an Android, the Google Play store, Kindle Fire, Amazon, and the list just goes on. It's been picked up just about everywhere and I'm very excited about it. 2017, I became author of the year in the category of financial literacy. So I'm officially an award winning author for beautiful credit.

Wow. And I know how hard it is to write a book. It's hard, it's painful. Congratulations. And wow, that's amazing. What has the book done for you?

The book has been amazing. So I actually started writing the book for high school seniors when I was first getting my business started. I started the book actually in 2015 and I just kind of picked it up and put it down. And I have the most amazing support system that is my husband and my children. And my husband's like, you got to get this book done. Whatever it takes, you got to get this book done. And he just created a way for me to be able to get in that zone and get that book out for these babies. And I just didn't realize how many adults were gonna love the book. I was just trying to get into the school system as one of the textbooks. And I'm like, I have to keep it short and sweet and straight to the point. I don't want a bunch of fluff, you know, in the book. And so I sat and I wrote it. And I had the most amazing, most amazing publisher, Tash Davis with purposely Creative Publishing, and she published the book. And it was just an amazing process. And before I knew it, I got nominated. I got an email and then she said, hey, you were nominated. You had the most votes. You know, you had the most this. Can you get out to Baltimore? And I was hesitant and I showed up to Baltimore and I'm so glad that I showed up because I won. And I got to meet some really iconic people while I was there. It was just such an amazing experience. But after winning author of the year, it really put my book at the forefront of the company. So saying that Ifix credit, and if you're listening, never just say, I fix credit. You do more than fix credit. You are a life changer. You are a game changer. You are a financial coach. There are so many other titles that you can utilize. But saying I fixed credit, it's so 2017. So I got to add under my list of accolades, if you will, of the things that I've done and accomplished, award winning author is one of them. Well, then everybody wants to know the book. And so, you know, sharing the book has really assisted in really just kind of affirming who I am in this industry and my credibilities.

Awesome. And for all the people out there listening who are just getting into the credit repair industry and just learning the ropes, I understand you've got a webinar where people can really learn how it's done, right?

I do so. And it's on sale right now. So this is the best thing. So if you. You are just getting your feet wet. You are just getting into this industry and you're still trying to figure things out. You're still trying to figure out dispute letters or even just how to read a credit report sometimes I understand it can be embarrassing. Sometimes you don't want to reach out to some of the people in the industry that you feel like are very powerful or iconic or epic in this industry. So I created this webinar for everyone, for those that are do it yourselfers, for those that are wanting to get into the Credit repair industry. It is called the Beautiful Credit Webinar. It's available on my website, which is beautiful. And it really breaks down that entire step by step process on how to assist yourself. It talks about cfpb, fcra, fdcpa, all of those, all of the Alphabet letters. It tells you what all these organizations are, what the various acts are. Really just kind of breaks things down for that person that is just looking to get started in this particular industry. It's a really great resource source.

Wow, that's super cool.

Awesome. Thank you.

Yeah. What's that web address again?

It is beautifycredit.com webinar.

Awesome. Okay, now we're gonna get into something fun here. We're gonna go into the rapid fire round of questions.

Oh, goodness.

So in this you answer just like a couple words or a sentence or two. The first thing that comes to mind. Are you ready?

Okay, I'm ready.

Okay. If you could go back in time. What do you know now that you wish you had known when started?

That I am unstoppable, that nothing can stop me but me.

I love that. What's the most important lesson you've learned as a business owner?

Oh, wow. Probably forgiveness.

Oh, that's a good one. Is there a book that has changed your life?

My book has been the most impactful book thus far.

I love it. What does business ownership mean to you?

For me, business ownership, it means the opportunity to change lives for other people. Really great business serves a really great purpose. If you want a multimillion dollar business, you have to solve some type of problem. And this, this is that for me. So it just means being a problem solver, being a game changer. So I love it's more than a title of boss or CEO.

Awesome. What's your advice to anyone just starting out with their credit repair business?

Consistency. Don't stop. Don't stop and pick up something else and, and do something, then come back to credit Repair. Consistency is watching you. All of your potential clients are watching you. Be fearless in everything that you're doing and just keep going, keep moving forward.

Awesome. Well, I want to thank you so much for your time today. And you're going to. What's your next city on your tour?

Next. I believe I can put. I think I'm in Newark and Newark, let me tell you really quick before I let you guys talk too much. Okay, so let me know if you got to cut me off. Newark actually just changed the laws in Newark, New Jersey, where credit education has to be issued and distributed out in the public school system starting at middle school. So I'm very excited about going to Newark.

Wow, that is really cool. I can't wait to hear about that. Well, thank you so much, Derek. I really appreciate it. And you guys out there, if you're enjoying this podcast, please click below to subscribe so you don't miss out. If you're feeling kind, rate and review us so we can keep moving up the charts. And thank you again, Derecka for being here.

Absolutely. Thank you for having me. It's been pleasure.

Okay, have a great day you guys, and keep changing lives. Want more credit repair business secrets? Then get a copy of my book, the Ultimate Guide to Starting a Credit Repair Business. Get it free@creditrepaircloud.com freebook Inside this book, you'll find my top 35 secrets to removing items from credit reports and turning that into an amazing business that helps people, changes lives, and makes you a great living in the process. Get it free@creditrepaircloud.com freebook. Sam.