Create Your Credit Repair Empire One Relationship At A Time - Jose Rodriguez (Part 2)

Hey, credit heroes. Welcome to part two of my interview with Jose Rodriguez. Now, in this second half, Jose shares with us some amazing ways that he gets tons of clients, all for free. And the things that he does are so simple and so easy, and I.

Bet you've never thought about them.

So stick around for part two of.

My interview with Jose Rodriguez. So the big question is this. How can we take our passion for helping people with their and turn it into a successful 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.

What's a book that's had a big impact on you?

Well, your book, number one. Oh, no. But the first book that I ever read was the E. Myth. I forgot the author's name.

I know that book.

The E. Myth was the first book that I read. That was 2015 that I read. And I'm not sitting here lying to you guys. Like, that was the first book that really I read from COVID to cover. Actually read it three times. The second one, I would say it's called Traction by Gene Wickman or Gino Wickman. It's called Traction. So what it does. That was the first book, and that book was told to me by Damon decrescenza with the credit pros. He told me that book was good to read because it teaches you about, like, having systems, about having meetings and accountability and all that stuff. And since then, it just opened me to a whole new world of reading. But those two books have you guys the E. Myth, and they actually have another one called the E. Myth Revisited. But the E. Myth and Traction, two really good books.

Awesome. I'm going to order Traction right after this call.

Awesome.

Super cool. Okay, the other thing I want to ask because I'm connecting your story about the mastermind to. Is that how you learned how to structure your team and how to do the communication? And can you tell us about your process of how you started to build the team and your meetings and how that all goes?

Yep. So one of the things before as to why it was so hard for me to hire people was because I would always, number one, say, I don't have time. And the second thing was I don't know how to train someone because, remember, like, I learned all my stuff in, like, five years over time. So it's like, how am I going to teach someone that doesn't have any Credit repair experience, how to do this. And what the mastermind and what reading taught me was pretty much how to create a system. And also Derek Harper helped me out with this a lot too, was how to create a system where if you could document everything that you do. Right? Because remember, nobody gives us a handbook or anything like that. We created one. We created an SOP and we had one of those in the Marines. And it's kind of crazy how it didn't click. In the Marine Corps we have sop, standard Operating Procedures. And what I ended up doing was creating something like that for my company. So now when somebody comes on board, I'm like, all right, read this ebook, read this book, watch these videos. And then once you read all that, then you'll come meet with me for four days. We'll train you. So, like, I got it down now where I can, like, I literally trained my brother and my most recent sales rep, which is also Marine. My brother was a Marine, and so was the guy just hired David. I trained them for two days. David's already signing up 100 clients a month. My brother's signing up. In my brother's first month, he signed up 120 people. So at that time, my system was so much better where when I hired my first sales rep a few years ago, I didn't do that. So I was like, man, let me have you come back in and reteach you, because I feel like I did my other employees an injustice. So it's like once you're able to document everything, you do have a sales script, non disclosure. You know, have them read, right? Because if you learn through reading, but you're trying to expect your people to learn another way, they're not going to learn that. So you have to have them read, have them read the books, have them watch the videos that you watched. I had them watch your YouTube channel. My mom came in, she watched all the videos with Credit repair cloud.

Wow.

I mean, so you have to be able to teach people in a way how you learned, document everything. And then what you got to do is once you teach them something, let them do it. Let them fail, let them mess up. Let them accidentally call the wrong client. Not credit card. You know, you obviously don't want to miss anybody's credit card, but let them maybe mess up an email. Let them maybe. You have to let them learn. The thing is, with me, so the biggest obstacle with me is obviously I don't see my employees every day. I work from home, so does all my other 13 employees. So it's hard to be able. I can't just be get up and be like, hey, you're messing this up. So it has to be like a process. So now everybody checks in every single day through Google. Google Hangout is like amazing. That's how we do everything. We do our meetings through there, you know, you know, we have our notes, we have our Google Drive, we have Dropbox, we have everything there. So it's just really just holding your people accountable and training them and making sure that if they mess up, that's fine, tell them how they messed up, fix it and move on. You know what I mean? Because remember, these are not people that have been doing credit repair like you. So you have to be patient, you have to be understanding and you have to train them in a way that they'll understand. Every single person in my company, only one person has credit repair experience. 1. All the other 12 people, 0. Credit repair experience. 0.

Wow. So many entrepreneurs, especially credit repair businesses, they're like a one man band and they're doing everything and they, they think no one could do what I'm doing. I'm a special unicorn. And I love that you actually create it. Like a course. You've created a course?

Yep.

And that's the greatest system of all. Now anybody can pop into that course and do what you do.

Exactly. And better. Like if you think, if you're listening to this and you, you're a one man show stop. Hire someone tomorrow. Hire two people tomorrow. Maybe a sales rep on commission. Somebody do disputes, somebody answer your phone. You want to hire people to make them better than you.

Yeah. And by offloading everything onto your team that's freed you up. And I mean otherwise, if you had gotten that call for Caesar and DJ Envy, you wouldn't be able to do it.

Exactly.

You'd be shackled to that, to the daily business. So now you're free to do all these huge things that drive the business even further.

Exactly.

So super cool. And now you're on tour like a rock star.

Yeah, man. It's definitely a blessing, man. I thank God every day for Cesar and DJ Envy for trusting me and having the faith for me to be able to educate people on credit.

I know a little bit about those seminars. It's real estate, but it's wealth building. They're huge events. I know that. Tell us what that looks like and what it is.

So the last event we had, Jacob Javits center, was about 45,000 people. It was amazing. Huge. It was crazy. I get scared every Single event. I get nervous speaking on stage. I get nervous at the credit repair Expo, speaking on stage. So these events are designed to help people think outside the box. Where normally somebody walks through life, they get a house, they get married, they get a car, and they think that's it, right? I got my house, I got my 9 to 5 job, I have my family, I'm good. But what we try to teach people is generational wealth, right? Instead of buying your first house, why not buy a multi family? Why not buy a four unit house, live in one, rent out the other three, and then in a year, buy another one, Buy a three family. Now you live in one, rent out the other two, right? Then you buy a year later, buy a two family, you rent out the other side, you live in one. Next thing, you know, a year from that, you buy your dream house, and all the other three or four properties are now paying for your dream home. You know, a lot of people forget to realize that you don't just buy one house. And this is kind of crazy of how it even worked for me is if I would have known what I know now with the Caesar and Envy said, I wouldn't have bought this house, I would have waited and bought three more other houses that were rental income to pay this house off in full. You know what I mean, with those checks. And that's what we teach. Like Caesar right now owns over a thousand units.

Wow.

DJ Envy, I believe, owns over like 100, 120 units. There's another guy named Fernando, he owns over 200 units. So these are all units that they're getting rent from every single month that are paying their bills, their cars, you know, their vacations. And now they're using credit and their wealth and their properties to be able to help them with doing things for their kids. Generational wealth. Now they're able to buy homes for their kids. Now they don't have to really. You know, usually where somebody is like, oh, I got to work to 65, they're helping people shorten the retirement age. Because imagine if you can for 10 years, 15 years, like Caesar right now is worth over $65 million in 12 years. Wow. All from real estate, you know, so it's like what I try to tell people is, and even other credit repair companies is now tell your clients the same thing. Instead of your client buying one house, teach them how to buy four. Because now you're giving that real estate agent four new opportunities to earn commission. You're giving a lender four opportunities to close in that Mortgage. So now you're helping the lenders, you're helping the realtors, you're helping your clients build generational wealth through real estate. They're making money. And it's just like you're educating way more than just beyond the house. Because normally when I did credit repair, you know, two years ago, I was telling people, yep, just buy a house and you're good. Now it's like, don't buy one house. Buy like three or four every year. Maybe do a flip from that flip, get the money, buy three rentals and then that rental property. If you want to go get a car, your rental properties can pay for it. You know what I mean? So that's the difference of, you know, we teach all about construction, we teach about inspecting, we teach about the hard money, we teach about conventional, we teach the attorney process. We teach everything. So that way people can literally go there and leave the next day. There's no upsells, there's nothing that we try to charge extra. You go there, you learn, and you implement everything. So it's pretty cool.

Wow, that sounds like an amazing event.

Yeah.

And you're doing these all over the country?

Yeah, we did 20. I believe we did 20 last year, and I believe we're scheduled for about.

30 this year, so all the major cities. Yeah, it sounds like a perfect fit with you and the credit. And I can't imagine being in front of 45,000 people. What an impact you're making.

Yeah, 4,500. 45,000. Oh, sorry, I thought you said 45,000. I'll pass out.

4,500 is a lot. That's huge.

Yeah, it's definitely very shocking and very nervous experience, I bet.

But you're a really great speaker.

Thank you.

Everyone loved you at Credit Repair Expo.

Thank you.

Hey, but back to the Caesar and DJ Envy tour. How can people find out about this coming to their city? Where can they go? Is there a link?

Usually the best thing is to go to follow DJ Envy and Caesar on Instagram. So DJ Envy is just jnv flippinnj is flipping and then nj. Or they could follow me, the credit dude. Usually we have in our bio, we have all the tour dates in every city that we're going to in the bio.

Wow. So these guys are building this all from Instagram too?

Yeah, that's it. Instagram. Yeah.

I gotta get on Instagram.

Yeah. You know DJ Envy, you know, he's at the Breakfast Club, you know, so he. That's syndicated, I believe, over like 90s radio stations. So he has a really big following. And, you know, to say the least, the thing that comprise is very humbling that they have allowed and trusted me to be able to partake in their events because I'm not the only credit repair company out there. I'm not the only person that knows what I know. But it's allowed me to grow. It's allowed me to reach new people, celebrities, and meet different people. And, you know, it's definitely a really good experience. And listen, if I wasn't on Instagram, they wouldn't know who I am.

That's amazing. Now, at last credit repair Expo, you talked about something that was such a cool concept. I'd love if you could talk about it here. You talked about becoming the mayor of your town.

Yep.

Can you tell us about that?

Yes. So becoming the mayor of town was something that my sergeant major taught me when I was in the Marine Corps, when I was a recruiter. So pretty much the mayor of your town means that if you see the mayor in your town, of your actual town, you're going to be like, whether he's dressed in a suit, whether he's at the beach, whether he's wearing a shirt, you know, whether he's wearing, you know, the credit hero shirt, doesn't matter. If you see the mayor, you're gonna be like, holy crap. Like, that's the mayor. Like, you know what he does. You know exactly what he stands for. You've seen him either on tv, you've seen him on social media, you've seen, you know, you know who his family is. You usually know everything about the mayor. Like, maybe not so much the congressman, the senator, but your city mayor, you usually know a lot about him, right? I mean, you know what he does. So my sergeant major in the Marine Corps, Sgt. Maj. Centeno, said that is how you have to portray yourself when you're on recruiting duty. Whether you're in your dress blues, people need to know you're a Marine and that you're a recruiter and that your main objective is to help people join the military. So I brought that concept into credit repair. I believe it was like, I've been speaking about it now for about two, three years. And when people in your town, in your neighborhood and your daughter's school plays and anything, they need to know that I'm the credit dude. Everybody knows it. You know, I mean, you have a lot of people that are worried about, you know, if you live in New Jersey, you're worried about business in New York, and you're worried about, you know, California and Florida and Texas. If you can't walk outside your door, you can't go to your grocery store. Like, I go to Wawa and everybody knows I do credit repair in Wawa. Your gas station, your daughter's school, the library, the movie. Like, if those people do not know that you do credit repair, you're not doing it right. If they don't look at you and know, oh, wow, that's the credit dude. Oh, wow, that's the credit girl. That's this person. You have to be able to convey that. So if it's your business and you're proud of it, have some business cards with you, you go to the movies. Hey, man, if you have any credit repair, here's my card. Follow me on Instagram. The credit dude, you get gas at the gas pump. Give the guy a couple dollars. Hey, man, thank you so much. Here's my business card. If you ever know anybody needs credit repair, let me know. You go to the library, you get some books. The librarian. Hey, thank you so much for these books. Here's my card. If you have any credit repair, you go to a mortgage company, you go to this, you go to that. You sponsor every single event. When it comes to, literally, to pee wee football, to cheerleading booster clubs, you really have to embed yourself as if you're a mayor. What does a mayor do? The mayor wants to make sure that he has the support every single citizen in that city. That is what you have to do. You have to make sure that everybody in your town. I'm in Jackson, New Jersey. So I had Neptune in Long Branch, where I'm from, pretty much on lock. Like, everybody knew who I was. So now I moved to Jackson and I had to kind of, like, start all over again because now I'm in a new city. Jackson is huge. So now I have to make sure that now I take that mentality and now do it here. And because if not, you're missing an opportunity because you don't know if your neighbor is a police officer, if your neighbor is a mortgage lender, if they're an affiliate, if they own a car dealership. So just being here in this new town, at my daughter's school, I met a loan officer, two realtors on a finance manager for a car dealership. I met someone that has connections with, like, a local pizzeria, right? And the pizzeria always does stuff like events or whatever the case is. So it's like, you never really know who you're going to meet. But if you're the shy person, just like sitting back and just waiting for the business to come to you. Like how I was when I first started. It's going to take a long time. So get out there, meet people, give everyone your business card. Like, what's crazy, Daniel, is I have all these business cards that I still have to go through. It's probably like 300 business cards of people that I've met in the last, like, two months that I still have to follow up with and stuff like that. But every single person that you meet in your town, give them a card. If you have T shirts, like these T shirts that you have the Credit Hero. If you have T shirts for your company, give them out. If you have hats, give them out. You want people wearing your brand. Like, every time I see you, Daniel, you always have a Credit Hero shirt. You always had the Credit Repair Cloud hat. You always are wearing something with your company. So when people see you, oh, wow, that's Daniel Rosen. He owns Credit Repair Cloud. You know, I mean, and that's how you want people to look at you, is when they see you. And, and at the same time, don't just say, hey, credit repair. Credit repair. You also, when you're sending them to your Instagram or your Facebook, now was the time for you to educate. Because now you're giving them the card, you're giving them information. Now when they follow you and they see you and then you go to Wawa, you go to the pizzeria again, they're like, hey, man, I saw your video on credit cards. You know, I had a question. And then now that's when you know what you're doing is working. Because now when they see you, they're going to ask you a question. Hey, man, I have a cousin who just went to college. He has some credit questions. Is it okay if I give him your card? Absolutely. Here's four more just in case you need them for some more people. So if you're not to that level, you need to be at that level when it comes to credit repair, because there's a lot of business in your hometown. And then once you're done with being the mayor in the town, move to the next town, move to the next county, move to the other county, and just keep, you know, branching off. Believe it or not, now you have thousands of people that are rooting for your credit repair company, regardless of what they see elsewhere. You know, I hope that makes sense.

That makes perfect sense. And what I love about it is it's so low tech. People think you need to have ads and all this stuff. And what you're talking about really, really works. We can see. And it costs close to nothing. It costs peanuts.

Peanuts. You're already going out there getting gas. You're doing stuff. Whatever the case is. And I'm not sure if you saw my last live video, and I'll reiterate it here is one of the things that I did before I even knew the whole mayor of my town, I went in my yearbook, and I literally went in the yearbook. I looked up every single person that I graduated with, and I let them know that I was doing credit. Wow. So now every single facilitator, every single teacher, principal, and I got so many clients from my yearbook. And you'll be amazed at how many people will be pleased to know. Oh, my God, you do credit. Man, I didn't know where to go. Like, I had all these credit issues, blah, blah, blah. And if they don't have credit issues, like, hey, you ever thinking about buying a house? You ever thinking about buying a car? I can refer you to someone. Now you're building relationships and sending leads to other lenders. You know what I mean? Definitely get a yearbook. Definitely, definitely get a yearbook. If you don't have one yet.

And those other lenders you're referring them to, they're going to send you more clients.

Exactly.

And around and around it goes.

Yep.

Super, super cool. I just. I love that so much. Now, I have a very important question.

Yep.

If you could go back in time, what do you know now that you wish you had known when you first started?

I would say, wow, that is a tough question. Okay. I would say delegate.

And the more team members you add, the bigger your business grows.

Absolutely.

Now, what about people out there who have not started their credit repair business? They're listening to this. They're interested, but they're afraid to start. What's your advice to them?

So my first advice to them is, number one, write down why you're doing it. Cause I didn't do that. Write down why you want to start a credit repair company. And if that why is greater than yourself and greater than your family, then I say go for it. The only thing is, is if you're going to do credit repair, you can't be half foot in and half foot out. You know, you can't have your face behind the curtain and your body in front of the curtain. Like, you have to be all in. If you're not all in, wait until you have a little bit of money reserved. Wait until you have some cash, set aside some credit or whatever the case is and then go all in. The reason why I say this is because you're not gonna give it your all. You're not gonna give it your full attention. You're gonna work a 9 to 5 job, you're gonna come home 6 to 8, 6 to 9 burnt out. And that might work for a few months. I did it for two years and I should have quit my government job a year and a half earlier because I'm over here thinking I'm getting this promotion and I didn't get it, so I just quit, you know, I mean you have to go all in. Make sure you educate yourself too. You can't start this business if you have no idea what the Fair Credit Reporting act is. If you don't know what CROA is, Credit Organizations act. If you don't know what FICRA is, the Fair Credit Reporting act, fdcpa, Fair Debt Collection Practices Act. If you don't know those things, don't start. Because what's gonna happen is you're gonna start working on somebody's credit report. You don't know what you're doing. You don't know how to do a dispute letter, you don't know what something means, a collection, how to read a credit report. So you really have to educate yourself. And I think you guys do an amazing job with providing content, with providing educational material. YouTube, you know, all the videos you have in the cloud. Like I'm telling you, my mom watched every single video and she started three weeks ago. She's freaking awesome. She's doing awesome.

Wow.

So that is it, you know, you want to be able to find your why you want to be able to go all in and you want to educate yourself. Like what's crazy, I was up until 3:30 in the morning last night, Daniel, reading the Fair Credit Reporting Act. Like I read that thing. Like I just love, like it's crazy, like I'm a nerd now when it comes to credit repair stuff. Like I was never a nerd in high school. And like my two processors, Sophia and Chandra, they were laughing at me today because I discovered something new with the processing or the case is and just something that we're doing. And I was like I'm a nerd, I love this stuff. And they just started cracking up. It was cause I'm very passionate about it, you know. So education with credit is non negotiable. You cannot expect to enter this industry without reading the Fair Credit Reporting act back to back, four or Five, six, seven times. Learning and reading it. Like read that. They have to read your book. I've read your book. My cousin Tony's read your book. You know what I mean? So you have to read, educate and understand what this industry is. Because if you don't know what a charge off does or what it is, or how to remove a collection or how to settle a collection, or what a 1099 C is a cancellation of debt or how long a bankruptcy is on for, like, you're not ready yet. So if you're not ready yet, take that time to read. And then once you educate yourself, then go all in, you know, then understand. But there's a lot of educational videos that you guys do where I'm sure people can read a book, understand it, read it and then go in. But don't take a client if you've never seen a credit report, because I see that happen all the time. And then people are just like, how do you remove a collection? How do you get off an inquiry? How do you, you know, you should know that already. You should know that.

That's really good advice. Okay, important question. Credit repair expo. What's the experience been like the last two years that you've come?

Oh, amazing. I mean, I've. I've learned and met. I think my relationships with the credit repair industry in a whole has gotten a lot better. I've built a lot of friendships, like Andre Coakley. Like, I knew Andre, but I didn't know Andre. I remember I met Andre at the first credit repair expo. We sat down for like an hour and a half, two hours just talking. And you know, I consider him a brother in the credit repair space and in like a personal life, you know what I mean? So the networking there is amazing. The amount of knowledge and information that you guys have with the speakers. It's kind of crazy because it's kind of like a lot, you know, I mean like, you guys do so much and you over deliver where. I've been to a lot of other seminars and it's like dry. It's like, man, you guys keep every speaker that has gone up. And I actually met. What's the guy from Ready by, what's his name?

Oh, Kevin Carroll, who just made it into the Millionaires club.

That guy is Firecracker. He's definitely destined for a very, very good place when it comes to the credit repair industry. You know, I met him at the credit repair expo and I didn't know who he was. But it's crazy how when you get to The Expo. And you get to learn people's stories, you get to hear them, you get to see what they're all about. It opens your eyes because now you're not looking at someone behind the computer. You're meeting these Credit Repair. And you're able to see, okay, what is he doing that maybe I can do almost as good as him. What is that person doing? You know, you have people like Keith Knapp speaking. You have the attorney. You have people just ready to give the information where. I used to go to, like, two or three events a year with Credit Repair. So, like, you have to learn. You have to be able to always. And to be honest, I think the last, like, year, because I've been speaking at all these events. Yeah, I forgot what it was like to learn. And I have to make sure that I have to go back to reading. I have to go back to watching videos, which is why I was reading the Fair Credit Reporting Act. And if at any point in time people think that they can be in this industry and not attend an event, they have it wrong. You're not going to last. If you think that you don't need to be certified in something, you don't have to attend an industry event, you're wrong. It's not competition. I consider Derek Harper one of, like, five, like, people in my life. Derek is one of them. Like, there's five people that I go to when it comes to making the decision in my business. Derek Harper is one of them. He owns a credit repair company. I met him at a credit event. So you could be able to build relationships with people that are in the same industry as you. And there is no competition. I mean, honestly, Lexington Law doesn't even cover. I think it's like 5%. How many people have bad credit and they sign up, what, 80,000 people a month? Like, there's millions of people with bad credit. You know, I mean, so people need to understand, going to the Credit Repair Expo, it's not a competition. It's not. You have to open up and you have to be able to give, give, give, because you will get something in return. And that's why I love your events. And that's why it was like the last two years, I made it a family thing. My family came to both events and that's what we did.

And I love that you and Kelly were on stage getting your Millionaires Club award. It was so cool.

It's right behind Kelly, right here. You see it? I don't know if you can see it, but it's right here.

It's there.

I got a new home office. I'm still hanging everything up for people watching on YouTube.

Can you tilt it a little bit so they can see your award?

Yeah, yeah.

Oh, I was just gonna say your computer. Here we go. There it is. The Millionaires Club award. Oh, I'm so happy for you guys, and I'm so happy for all of your success. Jose, you've worked your butt off. I appreciate it, but you deserve all the success you're having. I'm just so happy for you.

Thank you.

I really appreciate all of your time today. You're so awesome and inspiring.

Thank you.

You guys out there, was that inspiring? And just I want to thank you again for being here today.

No problem. Daniel. Thank you so much for having me. Your company has definitely been instrumental to our growth. If I were to sit here and say that it wasn't, it's not a coincidence that our company was able to handle triple the amount of clients with less employees at one point. That's not a coincidence. I think people need to understand that what you guys are doing for the industry is amazing. You guys absolutely have a software that allows us to be able to do more and provide that great customer experience, which is important as well. Customers need to be able to log into a software that they understand. They know what's going on, they see it, and they know that what you're doing is there to help them. Like, can you run a credit repair company without software? Probably. Do you want to? Absolutely not. And I think if you're listening to this and you're on the fence about joining or signing up with Credit Pair Cloud, I mean, take myself for an example. I feel like I was limited, and I feel like I was stunned. My growth was stunted, if that makes sense. The other software I was using, because there was only so much you can do. Now we're at the point where, you know, I never in my wildest dreams would have thought I had 3,400 active clients. Like, it's ridiculous. And the way that you guys have the automation and, you know, we can set everything up and plug them in and send the letters out and do everything. It's so easy. So I want to thank you, you know, because I appreciate you always giving everybody else, you know, thanking them and telling them how great of a job they're doing. But, you know, you need to also understand the great job you're doing too, Daniel. I think you and Keenan are definitely setting the bar high. Your credit repair software is amazing. My wife loves it. I love it. My employees love it. Clients love it. So just keep doing what you're doing. We're Credit repair cloud users for life. I wouldn't want to go anywhere else, and I'm sorry that we didn't make the change.

It's all good. I'm just happy everything is working out so well.

Absolutely.

That makes me really happy. Well, thank you again, Jose. Have a great day, you guys. Thanks for tuning in and keep changing live.

Hey, everybody, it's Daniel again, and really quick. I'd like to invite you to join what I believe is the best thing we have ever created inside the credit repair cloud community. And it is a challenge that we call the Credit Hero Challenge. If you're just planning out your business or you're just getting it started and you dream of having a successful business of your own, so you can quit your nine to five and find, fire your boss and have financial freedom, or so you can add another revenue stream to your existing business, if that's your dream, you need to get into this challenge. We created this challenge to help you to create and launch your very own credit repair business, to build a proper foundation for a really successful business. This challenge is going to help you to understand the strategy, the tactics, and all the things you need to be successful at Credit Repair. It really is the greatest thing we have ever built and it will change your life. So I recommend you do it right now. Stop everything. Pause this audio, go online and go to creditherochallenge.com that's creditherochallenge.com and join the next challenge. And there's a challenge that's starting in just one a few days. So go get started right now@creditherochallenge.com.