WEBVTT

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Tell me about your vision for it. Initially,

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my vision was just to make money because I didn't

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have any. I just went through a divorce. But

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as I went through my divorce and I lost everything,

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I realized how the credit system just doesn't

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work in your favor. And initially, I was able

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to go to the BMW dealership and get a car off

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the lot. Then I go through the divorce and I

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get one 30 day late. And then they're telling

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me I got to wait two years before I can reapply.

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And I just felt it was unfair for someone that's

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trying to get their life together. And I'll tell

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you this, this might be a long winded, but you

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know, you can, you can honestly. Get arrested

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for theft or whatever and all that. Carry on

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with your life. You have a record, right? That

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sticks with you for a long time. You get one

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30 -day late payment. That's with you for seven

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to 10 years guaranteed. And how is that fair

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to anyone, right? You have Mr. Carlos that paid

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his bills every time and then you want something

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that can't do anything? So I became an advocate

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for people just because I want to fight. I want

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to argue. I want to... show opportunity. I want

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to just highlight the inconsistencies in how

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these barriers work and how challenging it is.

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It drives up our rates. It does everything. Anything

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you do with credit will help lower your financial

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obligation if you get it at a good rate. Yeah,

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no, and I love the... not so long winded story

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because you're right. You can get arrested and

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it goes away soon, you know, but with credit,

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it just sticks and sticks and sticks. And it's

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almost like you're just really stuck. And and

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I'm sure many people watching this has gone through

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something where it just immediately affected

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their credit and they have no way out or a thought

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process out when it comes to. credit repair and

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how you speak and the experiences that you have.

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I've seen that you said it's not just about credit

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repair. Just share with me what it really is

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about. So helping people reach their goals, to

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be honest. I think we think credit is just that,

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but it opens doors for a lot of different things.

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And, you know, part of our program is we educate

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you on a personal piece of credit. But a lot

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of entrepreneurs don't even know how to do business

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credit. And that's where the money is at, right?

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So I take pride in just educating people on the

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options they have because I'm telling you, it's

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an untapped market and it's so much knowledge

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and opportunity for us to really move away from

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our personal credit and go into the business

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side. So that's what I really am passionate about.

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You know, I didn't even think about that. The

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business side, you know, where we often speak

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about personal and what we desire. How does credit

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affect one if they're attempting to build a business

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or desire to build a business? Well, it does,

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because, you know, you're coming out of pocket

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for everything. You're paying cash and, you know,

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you don't want to use your personal cash. really

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build your business some people have to but once

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you are an established business you have some

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cash flow you want to shift that to your business

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side because the lending options you have are

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much greater you can get capital to buy equipment

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you can capital to pay payroll capital for marketing

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and these companies are giving you like it ain't

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no two three it's like ten fifteen thousand yeah

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and then the sba if you're a minority will give

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you so much more for your business if your personal

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credit is good. So that's the lane you really

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want to get to overall. And so the credit has,

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they'll utilize your personal credit in order

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to help you with your business credit. Is that

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correct? Yeah, they'll just inquire. Just if

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you're having to pay your bills, your balances

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are low, you have a good score personally, they're

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going to give you way more money on your business

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side because you can handle all your debt on

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your personal side. Yeah. OK. I mean, and that

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makes all the sense in the world, too. It is

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funny when you start a business account at a

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bank or institution because then they start sending

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you, hey, here's a credit card where you could

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get twenty thousand. But again, it definitely

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is related to your personal credit to get that.

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Yes. And then once you get one, they keep coming.

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They keep coming. So with that being said. How

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do people manage that? Is that where people end

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up really in a situation? Because they just keep

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coming and coming. And I'm just talking about

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my personal experience. You get one credit card

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and your mailbox is. fool of get another one.

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But you know, I think honestly, that's just generational,

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how we were taught as kids, right? We see in

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college, for example, I give you two, in college,

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you can get any credit card you want when you're

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in college. You can get any cell phone you want,

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right? But your mom won't be able to co -sign

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for you because she ruined her credit. So now

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you're like, man, I ain't gonna pay my bills

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because my mom ain't doing it either, right?

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It's truly generational. But you know, I think

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And honestly, it's one of those things that you

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got to have the willpower not to want to spend.

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It's a discipline. Because I have people all

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the time, they can't get a credit card. As soon

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as they start getting approved, boy, they start

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firing off. They go to Victoria's Secrets. They

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go to Macy's. They go to JCPenney. They go to

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all those stores that they're going to be buying.

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And then they're like, oh, you got to help me

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again. I have a lot of repeat customers. And

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I'm trying to decrease that because I want them

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to become a little bit more consistent in their

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approach. And in credit, and speaking of credit

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cards, there is a percentage rate, an APR per

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se, that happens. And a lot of people don't really

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pay attention to it. They just think it's free

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money. And that APR starts hitting them after

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they do all that shopping. And this is one of

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the reasons why a lot of people have so much

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credit card debt. Yeah, no, that's true. Absolutely.

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And when it comes to credit card debt, how different

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is that on your credit than anything else? Credit

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card debt plays a big role in your credit only

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because they go off your utilization rate, your

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payment history, and things of that sort. Where

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if you had a installment loan, it really doesn't

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factor that much because it's a fixed payment

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every month. But if you're using your personal

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credit card to do everything, if your balance

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goes above that 30%, your score would drop. right

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away, right? So that's why credit cards are a

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little tricky because you can have any amount

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of debt, but if you can't manage your credit

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card debt, that will look a lot worse on your

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credit, I would say. Yeah, yeah, yeah. Credit

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cards is, and I guess, do you have, again, mind

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just going, do you have something on your website

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that helps people to begin early? You know, like

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maybe some... some YouTube trainings or something

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that'll help an individual before they get to

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that point. And I'm thinking mostly when you

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said college students, those are the ones I think

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that have maybe a better chance, right? Versus

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myself at 46, you know what I mean? Like, hey,

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they might have a better chance of understanding

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how important credit is. So is there anything

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on your website that could help someone? Yeah,

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we have a lot of blogs on the website. We try

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to put information there. We post daily on social

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media on different tips just to inform people.

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You know, I don't I'm not one on social media.

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I have a team that posts. There's a lot of different

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information out there. Right. I think it's hard

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to say what is true or not. But. a lot of it

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you can test right you can test some of the theories

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so i would just recommend people do that because

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i have blogs on my site you know every week just

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talking about ways to fix your credit and things

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of that sort Well, thank you for that. That helps

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a lot. And with that, and you speaking of social

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media and the website, do me a favor so that

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I don't take up too much of your time. Share

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with the audience where they can locate you at,

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whether it be social media or the website. Yeah.

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So our website is www .aimcreditfix .com. And

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you can call us at 651 -333 -7328. We are on

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Facebook. We're on Instagram. Not yet on TikTok,

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but we're getting there. So, yeah, we're just

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trying to tap into a lot of things. But definitely

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just search us on Google. You'll find our information

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there. Thank you for being here today. I'm really

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happy that you tuned in to Vision Pros Live.

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I'm looking forward to seeing your reactions

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as these episodes continue to move forward. This

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is going to get more and more fun. We'll have

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more and more engagement as well. We'll invite

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people to participate in the show. And thank

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you for giving us your time and attention. Have

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an excellent time building out your vision. a

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vision pro yourself.