Tell me about your vision for it. Initially,
my vision was just to make money because I didn't
have any. I just went through a divorce. But
as I went through my divorce and I lost everything,
I realized how the credit system just doesn't
work in your favor. And initially, I was able
to go to the BMW dealership and get a car off
the lot. Then I go through the divorce and I
get one 30 day late. And then they're telling
me I got to wait two years before I can reapply.
And I just felt it was unfair for someone that's
trying to get their life together. And I'll tell
you this, this might be a long winded, but you
know, you can, you can honestly. Get arrested
for theft or whatever and all that. Carry on
with your life. You have a record, right? That
sticks with you for a long time. You get one
30 -day late payment. That's with you for seven
to 10 years guaranteed. And how is that fair
to anyone, right? You have Mr. Carlos that paid
his bills every time and then you want something
that can't do anything? So I became an advocate
for people just because I want to fight. I want
to argue. I want to... show opportunity. I want
to just highlight the inconsistencies in how
these barriers work and how challenging it is.
It drives up our rates. It does everything. Anything
you do with credit will help lower your financial
obligation if you get it at a good rate. Yeah,
no, and I love the... not so long winded story
because you're right. You can get arrested and
it goes away soon, you know, but with credit,
it just sticks and sticks and sticks. And it's
almost like you're just really stuck. And and
I'm sure many people watching this has gone through
something where it just immediately affected
their credit and they have no way out or a thought
process out when it comes to. credit repair and
how you speak and the experiences that you have.
I've seen that you said it's not just about credit
repair. Just share with me what it really is
about. So helping people reach their goals, to
be honest. I think we think credit is just that,
but it opens doors for a lot of different things.
And, you know, part of our program is we educate
you on a personal piece of credit. But a lot
of entrepreneurs don't even know how to do business
credit. And that's where the money is at, right?
So I take pride in just educating people on the
options they have because I'm telling you, it's
an untapped market and it's so much knowledge
and opportunity for us to really move away from
our personal credit and go into the business
side. So that's what I really am passionate about.
You know, I didn't even think about that. The
business side, you know, where we often speak
about personal and what we desire. How does credit
affect one if they're attempting to build a business
or desire to build a business? Well, it does,
because, you know, you're coming out of pocket
for everything. You're paying cash and, you know,
you don't want to use your personal cash. really
build your business some people have to but once
you are an established business you have some
cash flow you want to shift that to your business
side because the lending options you have are
much greater you can get capital to buy equipment
you can capital to pay payroll capital for marketing
and these companies are giving you like it ain't
no two three it's like ten fifteen thousand yeah
and then the sba if you're a minority will give
you so much more for your business if your personal
credit is good. So that's the lane you really
want to get to overall. And so the credit has,
they'll utilize your personal credit in order
to help you with your business credit. Is that
correct? Yeah, they'll just inquire. Just if
you're having to pay your bills, your balances
are low, you have a good score personally, they're
going to give you way more money on your business
side because you can handle all your debt on
your personal side. Yeah. OK. I mean, and that
makes all the sense in the world, too. It is
funny when you start a business account at a
bank or institution because then they start sending
you, hey, here's a credit card where you could
get twenty thousand. But again, it definitely
is related to your personal credit to get that.
Yes. And then once you get one, they keep coming.
They keep coming. So with that being said. How
do people manage that? Is that where people end
up really in a situation? Because they just keep
coming and coming. And I'm just talking about
my personal experience. You get one credit card
and your mailbox is. fool of get another one.
But you know, I think honestly, that's just generational,
how we were taught as kids, right? We see in
college, for example, I give you two, in college,
you can get any credit card you want when you're
in college. You can get any cell phone you want,
right? But your mom won't be able to co -sign
for you because she ruined her credit. So now
you're like, man, I ain't gonna pay my bills
because my mom ain't doing it either, right?
It's truly generational. But you know, I think
And honestly, it's one of those things that you
got to have the willpower not to want to spend.
It's a discipline. Because I have people all
the time, they can't get a credit card. As soon
as they start getting approved, boy, they start
firing off. They go to Victoria's Secrets. They
go to Macy's. They go to JCPenney. They go to
all those stores that they're going to be buying.
And then they're like, oh, you got to help me
again. I have a lot of repeat customers. And
I'm trying to decrease that because I want them
to become a little bit more consistent in their
approach. And in credit, and speaking of credit
cards, there is a percentage rate, an APR per
se, that happens. And a lot of people don't really
pay attention to it. They just think it's free
money. And that APR starts hitting them after
they do all that shopping. And this is one of
the reasons why a lot of people have so much
credit card debt. Yeah, no, that's true. Absolutely.
And when it comes to credit card debt, how different
is that on your credit than anything else? Credit
card debt plays a big role in your credit only
because they go off your utilization rate, your
payment history, and things of that sort. Where
if you had a installment loan, it really doesn't
factor that much because it's a fixed payment
every month. But if you're using your personal
credit card to do everything, if your balance
goes above that 30%, your score would drop. right
away, right? So that's why credit cards are a
little tricky because you can have any amount
of debt, but if you can't manage your credit
card debt, that will look a lot worse on your
credit, I would say. Yeah, yeah, yeah. Credit
cards is, and I guess, do you have, again, mind
just going, do you have something on your website
that helps people to begin early? You know, like
maybe some... some YouTube trainings or something
that'll help an individual before they get to
that point. And I'm thinking mostly when you
said college students, those are the ones I think
that have maybe a better chance, right? Versus
myself at 46, you know what I mean? Like, hey,
they might have a better chance of understanding
how important credit is. So is there anything
on your website that could help someone? Yeah,
we have a lot of blogs on the website. We try
to put information there. We post daily on social
media on different tips just to inform people.
You know, I don't I'm not one on social media.
I have a team that posts. There's a lot of different
information out there. Right. I think it's hard
to say what is true or not. But. a lot of it
you can test right you can test some of the theories
so i would just recommend people do that because
i have blogs on my site you know every week just
talking about ways to fix your credit and things
of that sort Well, thank you for that. That helps
a lot. And with that, and you speaking of social
media and the website, do me a favor so that
I don't take up too much of your time. Share
with the audience where they can locate you at,
whether it be social media or the website. Yeah.
So our website is www .aimcreditfix .com. And
you can call us at 651 -333 -7328. We are on
Facebook. We're on Instagram. Not yet on TikTok,
but we're getting there. So, yeah, we're just
trying to tap into a lot of things. But definitely
just search us on Google. You'll find our information
there. Thank you for being here today. I'm really
happy that you tuned in to Vision Pros Live.
I'm looking forward to seeing your reactions
as these episodes continue to move forward. This
is going to get more and more fun. We'll have
more and more engagement as well. We'll invite
people to participate in the show. And thank
you for giving us your time and attention. Have
an excellent time building out your vision. a
vision pro yourself.