How to Fight Debt Collectors in Court and WIN with Vance Dotson

Hey, credit heroes. Today we are talking with Vance Dotson, who has the most unique business I have ever heard of in credit repair. He's not an attorney yet. He makes a living suing debt collectors, banks and credit bureaus. And today is going to show you exactly how he does this, so you better stick around.

So the big question is this. How can we take our passion for helping people with their credit 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.

A few weeks ago, I was at this huge marketing event called Funnel Hacking Live. It's the event put on by Russell Brunson and click Funnels. And really everything we know about marketing that we've used to grow credit repair cloud, we've learned from them. And at the event, there were so many credit heroes, I couldn't believe it. That's when I met Vance Dotson, who has the most unique business I have ever heard of. On his site it says, I help people sue debt collectors, banks, and consumer reporting agencies for money. And when scheduling this interview, he he wrote, I specialize in breaking the credit reports down scientifically to make money. So if you have a credit repair business, you need to hear this. If you are being hounded by debt collectors, you need to hear this. So grab a pen and paper because you're going to want to take notes. But first, little disclaimer. Vance has a lot of knowledge to share, but I have to remind you that we are not attorneys, so do not take any of this as legal advice. Federal law is different than state law, and every state is different. So for legal advice, consult with an attorney. And there I said it. That's the disclaimer. So, credit heroes, buckle up. This is going to be a good one. Please welcome to the podcast. Vance Dotson. I was so excited to have you on and you started telling me about what you did and I just knew you had to be on. And you're in Oklahoma City, right?

Oklahoma City, yes.

And you're known as the credit doctor of Oklahoma City.

Yes. Vance the credit doctor. Yes.

I love that. So I want to know everything, but first, can you tell me what was your life like before credit repair and what led you to this?

So right out of high school to working on drilling rigs and so.

Wow.

Yeah, I worked on drilling rigs for a long time, I guess the side hustle of credit repair turned into my primary business. My uncle was the head accounting at this local credit union. And the loan officer took a liking into me because of my uncle. She offered me a loan and I got denied for the loan because of the medical bills. And then she taught me how to build the, build my FICO score. And then from there it's been off to the races. And this is back in 2004.

So that's how you got into it. You learned that your credit was messed up and it was because of medical bills.

Yes. Yes.

Wow. What did you learn to fix it up at that point?

Like I said, I was working on drilling rigs, so doing a seven day zone and seven days off so I would deposit checks within the credit union, you know, a second time she said, okay, I'm going on lunch, I'm going to recreate the disputes and we're going to send them. We got into her car, she sent them, we went to lunch, we talked about it, and then we went over strategies to build my FICO score. And just curious ever since.

Wow. So that, that was really nice of her to go that extra mile for you.

Yeah. Because I see the same thing in consumers when they come to me for help and it's just like if you don't do it for them, they're not going to do it. So you have to keep, you have to keep doing it. You have to stay on top of the items that's on your report.

Sure. So what gave you the idea that you could turn this into a business? And then how did you start it?

You know, this is probably around when the Internet was first kicking up on the phones, you know, so it was information, but it wasn't that much information around. I always have friends. That was lawyers. You know, you can just call lawyers, they're going to spickle out information. But at this time I'm not knowing how valuable the information was. And so I laid onto pacer. So when I led onto pacer, I was just blown away. PACER is the acronym Public Access for Court Electronic Records. That's where all of the federal lawsuits is housed. You can go to Virginia, California, Oklahoma, and you can just look up the lawsuits. And so when I looked up the Fair Credit Reporting act on lawsuits and the Fair Debt Collection Practices act, it was just information. And so I took that information, started studying it, and then I bumped to a guy named Leonard Bennett. Oh man. When I discovered his cases, hands down, it changed my life. It changed everything about me, you know, because I was looking at his cases and he got a lot of case law within America on a fair Credit Reporting act side.

Wow, that's amazing.

Like I said, I was working on drilling rigs, you know, in back of my head, I didn't know how far that this was gonna go. So one day I'm driving to the drilling rig, I'm talking on, I'm talking on the phone, speakerphone, and I'm eating Long John Silver's fish, and I'm driving with my knee, with my leg, and. And I wrecked, flew out the front of the, of the car. And so from that, you know, they call the ambulance, they call the police. So they took me to the hospital and guess what came? A medical bill.

Sure.

So I didn't pay the medical bill, so they sent it to a debt collector. The debt collector called me. And so the first tip I want to give people is when they're dealing with debt collector calls is to pull out a recorder. So say, for example, people have phones, people have iPads or laptops, and them devices can record. And so just hit record and then you can tell the debt collector different scenarios. So I'm gonna give one scenario. So right now I'm working, so I will answer the phone and say, you know, hey, I'm at work right now and it's not a good time to talk. And so you kind of just gradually get off the phone, you know, say, hey, you know, my break is almost up, or, you know, I have to go right now. Don't answer the question on when can we call back? Don't never answer that question. So say for an example, if you're meditating and the debt collector calls you, you just say, hey, you know, I'm meditating right now. It's not a good time to talk. And so from there you put the debt collector on notice that it's an inconvenience to you. And so that second time that they call, that's a violation of the fdcpa. But you have to state what you're doing. So, you know, I'm on Daniel's podcast right now. It's not a good time to talk and let that be that.

And then that recording can be used in the suit.

Yeah, yeah, because. Okay, so it depends on if it's a one party consent state, which is Oklahoma. It depends on if it's a two party consent state, which is California. So. But consumers have to understand that debt collectors always say, this is an attempt to collect the debt. You know, any information may be used for that Purpose. You know, all phone calls may be monitored and recorded. Once you hear that segment right there, that gives you, no matter if you're in a two party or one party, the consent to record.

I never knew that. So that gives you all the evidence you need in that particular case. And how big can these settlements be?

So my friend debt collector was calling him, and the ironic thing was the debt was actually his girlfriend's, but they thought it was his because he answers the phone. And so we got some things that they should not said either in private or public. I took it to a friend that was a lawyer of mine, and his case settled for $1.5 million.

Wow.

FDCPA wise, that case is still the most amount that anybody in America has ever got from an FDCPA case.

And was that a case where the recording helped?

Tremendously, tremendously. And that was the key because when you telling something, you know, people look at the story and say, we kind of don't believe, you know, but when you have the ability to just press play, it opens up the doors. And so that's what happened.

That is amazing. Did it become a business? Did you start helping friends and family? Or how did you start to find customers? How did this turn into a business?

It goes back to, you know, me breaking it down scientifically. So, yes, you know, say, for example, you got black, you got white, you got up, you got down. So it's. It's an opposition to everything. Once I understood from looking at the Fair Isaac website and information on there, I just said, man, this is scientific. So I did the research on the two guys who founded Fair Isaac. It popped in my head. And what they was doing, or what they are still doing is using people's past to predict their future using a mathematic algorithm.

Right. Amazing. Can you tell us about some other cases?

I was a part of a case that was 1.5 million with Experian. So what Experian was doing is sort of like what TransUnion is doing today. So the consumer would dispute or the credit repair company would dispute, and then you would get something in the mail that said, hey, we, we got a. A suspicious request. Or what TransUnion is doing is like, hey, you know, we got something from a credit repair company or whatever the case may be.

Stall ads.

Yeah, yeah, that's. That's a violation of the Fair Credit Reporting Act.

And by the way, Congress is going after them now for this, for these violations. I did a podcast on it just this week.

Anyone can do something on someone's Behalf if they have the permission to. And that's the case with credit repair. And so doing credit repair is not illegal. But you know, these companies like the CRAs, they look down on credit repair companies. And so, well, it's been a fight. I spent a lot of my time consulting and doing lawsuits around America.

Wow, fascinating. How do people learn about you?

Social media, Facebook, Instagram, all of the social media outlets.

And then you look at their case and see the merit of it and you help them to sue.

Yes. Yeah. So I have a. It's a general principle of mine. If somebody is sending a dispute, they have a problem. Nine times out of 10, you have a case. The violation typically is just right in people's face. They just don't know how to read the information and pursue the violation of federal court or state court or other avenues like arbitration.

Sure. I'm sure it must be overwhelming and confusing, so you can step in and help them. Now, you mentioned something when we met in Florida, that you're also buying people's debt. Is that correct? Did I get that right?

Yes, yes. So the unique thing about that is it's what the debt collectors do in the reverse. Okay, so let's say me, Daniel, right? So my mother, my daddy, I couldn't have been here if it wasn't for them two coming together. So that's the same thing. Say for an example, with your credit card, the credit card account agreement wouldn't be in existence if you didn't apply for it and accept the offer. What I'm saying is the consumer has just as much rights as, let's just say for an example, Citibank, okay, so the consumer doesn't pay Citibank. And the consumer, we're just going to say Midland, for example, gives it or sells the rights to Midland. So what I do and what I have done was go to the consumer and say, hey, can I buy your interest? Can I buy your debt and let me take ownership? It's nothing different, you know. And so what I've. I've done that for several years now and pursue the debt collector when the violations presents itself. A lot of my business is dealing with a section in the Fair Debt Collection practices Act is E8. The Consumer Calls the debt collector and say for an example, let's say we're dealing with a medical bill. The consumer will say, you know, hey, I thought my insurance, you know, paid this medical bill off. Debt collector will communicate slash report to the debt collector. And they won't inform the consumer reporting agencies that the consumer Is disputing. And so that's a violation of section E8. They always raise an argument and say, this person did not say the word dispute. Well, the courts and the appeals courts has come and say, you don't have to say dispute in order for a consumer to dispute. A good example, if someone takes your seat and you say, hey, man, you took my seat, and you say, no, I didn't take your seat. That's a discrepancy. That's what a lot of consumers around the nation is getting ignored. So I look at a lot of. A lot of disputes, a lot of people complaining, and the consumer reporting agencies don't take them very serious. And so we pursue them under the Fair Credit Reporting Act. So you have section EB of the Fair Credit Reporting Act. Section EB is accuracy of the reports. So it's. It's before the consumer disputes. So section EB kicks in before the consumer disputes. And then when they receive the dispute, it's called a reinvestigation. So them are the procedures that. That they have to follow. But this is the thing. Once the consumer disputes and send that notification, the consumer reporting agencies have to convey that dispute over to the furnishers. That's never done. That's never done. So how they, you know, communicate the disputes is electronically. But this is the thing. So the Fair Credit Reporting act says when the consumer sends the disputes, you. They have to convey over the information to the furnisher. And when the furnisher responds to the dispute, they have to look at the information and they have to make a decision based off the information. That is never done. So a lot of my cases is dealing with that section of the Fair Credit Reporting Act. While dealing with the furnishers, I had the pleasure of meeting Ms. Terry Hinkle. And so she took Midland Credit to court, and she's an older lady. The case came out of the 11th Circuit and she took Midland to federal court. She won on the appeals. That decision. How Midland was trying to manipulate the situation is awesome. So it's Hinkle versus Midland Credit Management. The credit repair family should study that case.

What were they doing? What were they doing that was. That turned out so awesome? They were doing something terrible, right?

Yeah, yeah, yeah. Not awesome, terrible. There is a legal difference between verification and validation. But the thing about it is, it's called account level documentation. Account level documentation wasn't provided, and it is not provided with a lot of consumer disputes. That was the issue. So once the consumer gets to disputing and asking for that account Level documentation, because there's a standard, accuracy, completeness and, you know, verification. What happened was she took him up on it and she won. It's an awesome decision.

Wow, that is great. Hey, for anyone listening who doesn't know, can you tell us what the differences are between verification and validation?

Say if you're working at a store, Foot Locker or, you know, fashion Foot Locker store or whatever, and you say, hey, and you call on the phone and you say, hey, do you have a size 10? When you say, yes, that's validation. If you say, hey, do you have a size 10 in X? And you say yes. Okay, well, send me a picture. That's verification. One is just saying, hey, you know, yeah, we have it. Goodbye. And you say, one say, hey, yeah, we have it. Send me proof. So that's the difference.

Awesome, awesome, awesome. This is so fascinating.

Investigation. And like I said before, re investigation is two different things, but just the term investigation means to have a searching inquiry. Like, you know, when the police come and they're looking for something, they're flipping over things. Have a searching inquiry. But this is the key. A re investigation is a higher standard because keep in mind they started with maximum possible accuracy in section eb so when a consumer goes to dispute, there is no issue. I've been able to rack up some. Some nice settlements dealing with these type.

Of lawsuits, by the way, on the investigations and reinvestigations. The bureau's not really investigating anything, are they? No, they're passing it all on to the furnishers. Right.

I was the significance of Ms. Hinkle's case, because they're not doing what they're supposed to do under the fcra. And so for the listeners, if you want to do some research, Stevenson vs. TRW and Richardson vs. Equifax and Cushman vs. TransUnion, them are the cases that says what you was alluding to, how they're doing, their standard procedure isn't the law. Once they scan that information and then the computer reads it and then they're doing whatever they call whatever their investigation is.

Sure.

They said. They said that's not the law. How they're doing it, that's not the law. So that's three good cases. That's still good case law as of now.

Yeah. It's so weird that they asked the furnisher. It's like asking. It's like the police asking the criminal to investigate themselves.

Yeah, totally.

Ones breaking the law and they're investigating themselves.

I see nothing wrong here. Let me go.

It's Nutty. Your business you've now had for close to 10 years then.

Well, since 2004. Ish.

Oh, okay. Longer than 10 years.

Yeah. So I stepped into the litigation world in 2008.

Okay, got it. How has this changed your life since your times on the oil rigs?

Well, it has really changed my life because just. Just helping out consumers every day, you know. And so say for an example, a lot of debt collectors send letters to people, you know. So say for an example, you put the date on top. You just get a regular piece of, you know, paper. You put the date on top, you address it to the debt collector, whoever it is. You're handwriting this. You're handwriting this. Okay? So you're going to address it to the debt collector. Then you're going to put the account number, and then you're going to put the amount of the debt. And then you say some magic words. I refuse to pay the debt. And then you sign your name below, and then you take a picture, so you always have proof. So you take a picture of the letter, and then you send that letter off, certified to the debt collector. Now, Daniel, I'm telling you, it's a lot of cases in America like that.

What happens after you send that in?

Well, they're supposed to stop. They're supposed to stop, but they don't. And let me tell you the reason why they don't. You know, a lot of big companies use automation, and they use that computer system to scan in, you know, types of letters. Communication.

Right.

So what happens is the system doesn't pick it up. They just think it's a dispute. And so it spits out the verification. Here is validation stuff. But that's not the fdcpa. The FDCPA says you got to stop. And so that becomes a lawsuit under the fdcpa.

Wow, that is genius. I've never heard of any of these things, and I've been in this business for a long time.

A lot of consumers come to me after, you know, they dispute because this is something that people can do themselves. So people come to me after they dispute. The consumer reporting agencies in these furnishers, they kind of hold up the consumer. When a consumer is buying a house because the consumer wants to buy a car, the consumer wants to buy a house. For an example, if a mortgage broker tell you, hey, we can't give you no loan, because all of these dispute things is right here. So what I do is I send a letter to TransUnion, Equifax, and Experian, and the debt Collector and say, hey, I'm in a process of getting a mortgage and I need this off of my report. Take the dispute notations off my report. They don't do it. That's a violation under the FDCPA and also the fcra. So I've been very successful in federal court, also state court, in arbitration and winning claims like that.

Wow. How many claims do you think you.

Filed like that on Instagram? Vance Dodson. So you go to the page and then you go far right. You'll see what I'm tagged in. Them are all cases that I, when I hooked up with Ms. Tiffany Hill. Them are lawsuits that we have won for consumers around the United States. So she's, she's licensed in Texas and she's licensed in Oklahoma City or Oklahoma. To answer your question, I've done hundreds. Hundreds, Hundreds, hundreds.

Wow, that is amazing.

I'm not making any income disclaimers, but I can tell you your active credit repair cloud members can at least 25x their income on an accident if they're following the steps that I tell them to follow. Because this is the thing, you know, people often file bankruptcy around America. I'm not saying the bankruptcy is the problem itself. When we sue the consumer reporting agencies, they know that a consumer has filed chapter 13 or 7 or whatever, but they don't correct the credit card information like so they don't correct the balance. Even though, you know, bankruptcy is a long, drawn out process, they don't correct the balance. So that's one, then two. They'll leave it in a charge off status. They don't put it on discharged and bankruptcy. And so we go after the consumer reporting agencies for that. Daniel, the credit report is so many violations.

Okay, let's back up a minute. So I've, because I've helped a lot of people with part of this, but not the part you're talking about. When you file a bankruptcy, very often they don't wipe them to zero and they're supposed to be wiped to zero. This is what you're talking about.

Yes.

And when they don't wipe it to zero after the bankruptcy, that's a violation.

That's a violation under the fcra. Yes.

And you can sue them for that?

Yes.

This is mind blowing.

I sue them actively for that.

You're the coolest guy on the planet.

It's a lot of information. It's a lot of information consumers don't have. And that was why I like to come onto your show, to tell the consumers, hey, you have rights, you have options. And to reach out. And so, you know, Credit Repair has a bad name because a lot of people get into Credit Repair and they don't have the education behind how it really works. And so, you know, the intentions is good, but the actions. Just a lot of the times fall wayside if the people won't, like, just want to pick my brain and come to my mentorship, you know, send me a message on Instagram, or they can send me a message on Facebook, or they can go to Vance Dodson's mentorship dot com.

Got it, got it, got it. In fact, I've got that link right here. Vance Dotson, mentorship dot com. Got it. Okay. Hey, I want to know more about your business. Do you have a team or is it just you?

Well, it's really just me, me and other lawyers. So I'm not, like, partner with an attorney. But, you know, I'm not in Tennessee. So I. I work the case up and send it to someone in Tennessee, or I work the case up and send it to somebody in California. I found out, you know, going through the Funnel Hacking Live, man, that everybody had these immune, these huge, you know, teams. And it was a guy. His name is Marvin Smith. And Marvin is the reason why I went to Funnel Hacking Live. He has a humongous team. And he keeps telling me, man, you need to build a team. Build a team. Doing all that legal stuff, it's like my baby. So it's kind of hard to just let go and trust somebody to. To do that.

Have you ever thought about going to law school? You probably don't need it, but I was just curious.

No.

You'd be an amazing attorney, but you're probably making way more money than any attorney I've ever met.

Yeah, I wouldn't fit in. I just wouldn't fit in.

Fascinating. Now, how did the pandemic affect your business?

It didn't.

It didn't?

No. I think, just looking at it now, I think it probably spiked. When the economy go down, people look for more credit. I'm telling you, Daniel, I've never seen a decrease in business, you know, because say, for an example, we're just going to say the bare minimum, $1,000. I say, hey, do you want a house? And can I fix your credit for free? The consumer says yes. So the consumer disputes of some type of sort, and there's an issue. So we're going to just say, for this example, the consumer disputes somehow, some way, and there's 10 discrepancies or whatever the case may be. If we Take them people to court, or we take them to state court, or we take them to arbitration. At the very minimum, that's $1,000. Very minimum. So that's $10,000 off that one person. And so I'm able to do that pretty accurately.

Wow, amazing. Now, are you able to settle a lot of them before they get to court or do most go to court?

Well, you want me. You want to go to court?

Oh, wow.

You want money. They want you to dismiss the lawsuit.

Right.

So you go into a settlement and everything is swept under a rug when you do that?

Sure. I ask because years ago we were approached, Remember Keenan? We were approached by this law firm. They said, hey, we want you to send us. Have your credit repair cloud customers send people to us. We've never lost a case. And when I looked them up, it was because they always settle, and they always settle. Their magic number they said was around $2,500. So they always settle, but they're probably missing out on the big wins. But they're doing it the lazy way.

The way that we're talking about is not done on by the everyday, average consumer. You have millions of people. So if you're settling every. You're filing at a high rate, and you're settling at a high rate. That's a lot of money. There was a case called Ramirez case. In the Ramirez case, after that case was published, it went up to the Supreme Court. It was detrimental in a way, but is super positive for consumers. So this is the significance of that case. Once you file a fair Credit Reporting act, you have to have concrete damages. You believe you have violation of the law statutorily, and then the consumer report agencies would just settle them out. Okay. So in this particular case, they fought to the very last end, the Supreme Court, and the Supreme Court said, yeah, you have to have concrete damages. When that case first came out, I was mad. I'm like, come on, man, are you serious? Sat down, thought about it. I said, bingo. Actual damages, typically, I'm not even entertaining. Since the Ramirez case, I'm not even entertaining a settlement less than $5,000. So now you take that 10 and you times about five, that's $50,000. And so we usually come a settlement number between 5,5000 and $7,500 per. Per case.

That is unbelievable. Wow. So very, very cool. This business you've created, you know, and.

I'm not just a smart guy. It's very repeatable. Like you were saying with Russell Brunson is very repeatable. You just have to Implement. You have to know. You have to start. Once you understand the basic principles, you'll be very successful.

So what can people expect if they sign up for your mentorship? What's the outcome?

Dollars.

Awesome.

Satisfied, satisfied customers. I'm compensated with a little cash. And the consumer buys the house or gets the credit card or gets the car that they desire, and they go on and, you know, live a happily life.

Yeah. And you're really turning the tables on bad companies that do terrible things.

Yeah. I wish a lot of more people, a lot of more credit repair companies would buckle down and get into it, because, like I say, I don't want to make any income disclosures, but they could 10x their business.

Sure. That is amazing.

Can I tell one more story?

Yes, please do.

In 2019, some information that was on my report from Dallas, Texas area. I never stayed in Dallas, Texas. Always stayed in Oklahoma City. It was some electrical bill. I sued Experian. It was only on the Experian report. And so when I sued Experian, I had the Wall Street Journal calling me, you know, and interviewing me. And I just like, man, this is crazy, because the lady. I forget now, it was like, $97, you know? So the lady. The lady asked me, she said, why didn't you just pay the $97 or whatever it was? And I said, I'm gonna give you the answer. It's not my bill. Why would I pay something that's not mine? It's not mine. And so that was the Wall Street Journal that reached out. Ultimately, I deposed Experian for five and a half, six hours. What I needed in 26 minutes. So this was the thing. This was the most important thing. So you know how I was explaining earlier how they, you know, scan the documents and things of that nature? Experian conducts their reinvestigations in South America, Chile. So I'm. So I'm deposing the lady here in America. And so keep in mind, she's supposed to be telling me firsthand knowledge. So I say, hey, where's this person at? You know, they have some name like El Grado or whatever. And I asked, so where are they at? She said, in South America. And I said, hey, do you have a passport? And she kind of, like, shuckled like. And I said, yeah, do you have a US Passport? The lawyer objected to it. Objection. And I said, no, you can still answer. She said, no, I do not. So I said, how are you telling me about a process or what somebody has done in a. In South America when You don't even have the ability to leave the United States. They was just wasting time. I learned that method from looking at Leonard Bennett's pleadings.

Amazing. And what was the outcome of that case?

Well, Experian might be a little upset, you know, but it was north of $300,000.

Wow. Cha Ching.

Consumers just need to reach out and ask for help.

I'm sure they're going to be. Well, I want to switch gears for a minute. I want to ask you a few rapid fire questions and where you answer the first thing that pops in your head. Are you up for that?

Let's go.

Okay. What is your business? Superpower.

Lawsuits.

Awesome. What is your business? Kryptonite. Meaning the area you had to work hardest to improve.

Articulate myself.

Hmm. What does business ownership mean to you?

The world.

What drives and motivates you?

Happiness.

What's your definition of success?

Morning waking up.

If you could go back in time and tell yourself one piece of advice, what would that be?

Read everything you signed before you sign it.

Awesome. And do you have any other advice for someone who's. Who's got a credit repair business or is just starting out with credit repair?

Yeah. Arm yourself with knowledge.

Awesome. And last one, what's next for you? What's the next goal?

I want to be the first person that's not a lawyer to do a class action lawsuit. So I'm getting that prepared now.

That is so cool. I really appreciate you being here. This was amazing. And again, folks, watching, folks listening. If you want to learn more, go to Vance. Dotsonmentorship.com We're going to put the link in the show notes. Actually, we'll probably run it down here at the bottom of the screen. Vancedotsonmentorship.com and I really appreciate you being here today, Vance. I just thank you so much for your time. Thanks for having me. And congratulations on all of your success.

And congratulations on your success too.

Entrepreneurship is not easy at the start, is it?

Oh, no. Oh, no. It's very hard.

Yeah. But if you can work through the pain, all this troubles and ugliness, you can get to the other side. And it's pretty sweet, isn't it?

For me, I started the hard way, sure. But now we have, say, for example, Facebook, Instagram, Twitter, Snapchat, and TikTok. Yeah, that's the shortcut because you can reach out to someone like you or someone like me, and I'm going to give you the information. So that cuts out a lot of the troubleshooting and reading on Google. And if somebody. If somebody's giving out bad advice, that cuts a lot of that stuff out. So get in contact with somebody like me. I'm going to give you very precise.

And accurate information and really unique information. I just love that you're citing all these cases like you're like a Harvard law professor. Well, thank you again for being here. I really, really appreciate you.

Oh, yeah. Oh, yeah. Anytime. Daniel, man, I would love to do a joint venture with you on anything that possibly you have in mind.

Yeah, let's do this again. If we ever have our live events again, once the pandemic is really over and it feels safe, I'd love to have you come and speak. Would you?

Anytime. Anytime. Oh, yeah. Come on.

Okay, cool.

You guys got my number. You guys got my email. You want my blood type?

Awesome. Awesome. Well, thank you again and everybody out there. If you enjoy this podcast, share it with someone. Click below to subscribe so you don't miss any of the secrets we share each week here on the Credit Repair Business Secrets podcast. If you're feeling kind, do me a favor, review me so we can move up the charts. And really, if you did get value from this, share it. Share it on your network. Okay. And leave a comment or ask a question, because I read each and every one of them and I will see you on the next episode. And until then, be a credit hero and keep changing lives.

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 9 to 5 and 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 the and There's a challenge that's starting in just a few days, so go get started right now@creditherochallenge.com.