Daniel Rosen 0:00
Hey, Credit Heroes. I have a very special guest today. Networking expert Chas Wilson is here. He is the founder of master networks. And he's going to show you how you can grow your credit repair business bigger and faster by building relationships. 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. Okay, if this is your first time listening to my podcast, every week, I give credit repair tips and advice on bootstrapping your business from nothing. So be sure to click subscribe now and get ready to start changing lives. Okay, let's get into this our most successful Credit Heroes, the ones who make a great living and change a tonne of lives. They all have one thing in common. They all have built relationships with other businesses. Chas Wilson is the founder and CEO of master networks, which has 1000s of members all across America. He has spent a decade consulting business leaders and entrepreneurs. He's passionate about helping small businesses succeed through the power of networking and relationships. He is also the author of the best-selling book Five Plus One (The Entrepreneurs Formula for Success). And he's here today to show you how to grow your business and increase your revenue by building relationships. I know you're gonna love this interview. You're gonna get a lot of value out of it. So please welcome Chas Wilson. Hey, Chas, welcome to the podcast.
Chas Wilson 1:56
Daniel, I’m honored to be with you. Thank you for the invite. I'm just so honored to be with all of you.
Daniel Rosen 2:01
Well, I'm so honored you're here. I want to know everything. But let's start with what is master networks.
Chas Wilson 2:09
I was in the real estate industry for 10 years. I don't know if I've ever shared that with you. But I was in the real estate industry for 10 years. Back in 2008, when it got really hard, really tough. Credit was tight, loans were hard, all of that kind of stuff. And one of the things that I understood is I built that whole thing through relationships, I've built it all through connections. I started to build a networking group, a networking organization to grow my real estate companies. And I'll just tell you, it happened so fast, so quickly, that I had to make a decision. I had to make a decision if I was going to keep the real estate companies or if this was the new business that I was going to pursue. And I did, and I started that in 2011. And here we are, you know, over a decade later with 1000s of members and master networks really quickly. It's a learning-based organization. So at the core, we're an education company, but we organized through networking groups around the country. We're in 26 states. Now we're actually global. We have people in Australia and the UK. It's super awesome. But we've got people all over, and we come together to connect, share and prosper together.
Daniel Rosen 3:08
And you have many chapters all over there in all the major cities. And each chapter just has one of each kind of business. Am I right? Yeah, that's part
Chas Wilson 3:18
of what we do. So we're kind of this hybrid. If you're familiar with other networking organizations, I'll just say that some people don't really like the word networking because it has all this connotation of work and all this stuff. Sure. But really, we're this community together, right? We have these groups, these chapters around the country, where yes, there's one that's a credit repair person, one real estate person, one mortgage person, but then beyond that, we also have this online community that you can connect all over. So what's different about us is we have, Yes, the local chapter, but then we're also this national and global organization as well. And so people are sharing education, ideas, tips, and referrals all across the country as well.
Daniel Rosen 3:54
Well, yeah, that's what's key for our Credit Heroes. They need to build and maintain relationships with mortgage brokers, realtors, auto dealers, tax preparers, and really any kind of business that's turning people away because of credit issues. And, yes, we did actually see that you used to be in the real estate space. So did you interact with credit repair companies back then?
Chas Wilson 4:19
Yes, and still do, in fact, our top. I think I shared this with you when we were talking a couple of months back, and an event that our top person in our whole organization has built, the biggest network inside of our organization, has had the best success out of it is actually somebody does credit repair. And I was like, Oh my gosh when you and I started talking, I thought this is crazy. Like I tell people that like credit repair, like I don't know, credit repair, like this, is the thing they've done the best in our whole organization and like when I think about I have five children, my significant other, I have multiple companies, my partners, right everything in life has come through relationships. And if we know that to be true. We know we've always heard, too, that word of mouth is the greatest form of marketing and referrals. But most people don't have a specific systemized way that they get word-of-mouth referrals. If people are solely focused on ads and funnels, and those things work, I get it. But let's say Facebook or Google shuts you down. Now what. And there's another component, Daniel, I think it's really important that our people aren't talking about, and I just want to share this right out of the gate here: building a network insulates a business. Most people try to build isolation there, you know, they're in their basement, or they're, they're at home in their building behind a computer, and we hide me on the computer that's in isolation, and it can be lonely as a business owner doing that. But if you can get out and have a systemized way, which we teach, to connect with others and build those relationships, man, you have insulated yourself against any market condition that could come at you or an event like Facebook shutting down ads, or, or whatever it might be. You've insulated yourself
Daniel Rosen 5:58
when you're a realtor. Yeah, if a credit repair business owner approached you and wanted to build a relationship with you, what would make that good? What would make it bad?
Chas Wilson 6:11
Oh, great question. And actually, you know, it's interesting when I think back to those years that I did that, there was one, and that's the one I worked with, because he was the real reason why is because he was willing to sit down and build a relationship with me. When you think about a real estate agent, I'm putting so much effort into getting that lead, getting that prospect, and turning them into a customer. And so I have to trust that you're going to treat them well, you're going to take care of them. And that's only going to come through taking care of me and understanding my business and sitting down and building time. Time is a multiplier in this, and I think if I'm a credit repair person, today, real estate agents are getting a mortgage, people are getting literally bombarded with ads and do this thing and do that thing. Sit down and say let me show you a path. And let me help you. What are other ways I could support you and help you? To if I were starting credit repair right now today, I would go out and sit down with real estate agents and mortgage people and show them what I could do. But more importantly, show them that I care about them and their business. And then I could be an extension to their business.
Daniel Rosen 7:11
And what something they should avoid doing.
Chas Wilson 7:14
Don't get lost in the features and benefits of what you do. I had an insurance guy walk in my door today, which I never did. And within 30 seconds, he said, Hey, I looked you up really quick. And there were a couple of things he mentioned that he knew about me, and I was like, he's caught my attention. And the thing I thought was he took 30 seconds, probably all he did, but he took 30 seconds prior to walking through my door. And that just stood out to me; most people just knock on the door, come in and say, hey, I'm selling this. It's like, no, just come in and get to know the person. So don't come in with just a bunch of features and benefits. Again, it goes back to the relationship.
Daniel Rosen 7:48
What are some of the best practices for credit repair business owners to build relationships with referral partners,
Chas Wilson 7:55
When I was in the real estate game, you know, everyone looks at I'm looking for a buyer, or I'm looking for a seller. I actually went after hospital HR directors because they were ideal connectors. They were the people who didn't just send me one deal. They sent me 10 deals a year, right? And if I could make their life easy and wonderful, they would just keep sending me deals. So I think it's going to a higher level. It's saying if I'm in credit repair, who is the person, again, real estate agents, mortgage professionals, who are the people that can send me multiple deals, we call those your ideal connectors, what you're going to try to do, you're going to make a list of those people, and then you're gonna reach out to them. And we always talk about doing what we call face-to-face stacks. Take this as a note. Here's the thing that happens most people don't do this. It's easy to do. Therefore, it's easy not to do, but it's a stack. So here's what I would do. If I'm in credit repair, let's say I would go to the same place every week, somewhere nearby. And I would ask a realtor, let's say, a mortgage professional. So let's just use those three solars. I love that one because it's hot right now. Right? Okay. So here's what I would do. I would start with the mortgage professional, I would say, Hey, can you meet me at nine o'clock? I'd love to connect with you. And then I'll tell you what you do. And you're there. Then maybe at 10 o'clock, you have the real estate agent show up. And then at 11 o'clock, you have the solar person show up, right? So in a three-hour window, you've made three connections. But here's the beauty of this. When the mortgage person comes at nine, and they're done, and that real estate person shows up at 10 guess what you're gonna do? Hey, Daniel, I'd like you to meet my new friend Kenan, right, and you made that connection. All of a sudden, you're like the star because you're now connected not just to the connection you just made but you're connecting other people. And then, when the real estate agent leaves and the solar person shows up, you connect the two of them. So now you become this connector all around everywhere you go. And so that's kind of the beauty of what we call a face-to-face stack. Now, if the distance is an issue, you can do that via Zoom too. I do those across the world via Zoom, have a meeting with you, have someone come into my Zoom Room, I connect them and say Hey, Daniel, see you later. Now I talked to Kenan about all that kind of stuff, right? So that's, that's one way you can do it. The second way you can do it, of course, is by joining an organization like Master Networks, where we put everybody together for you. That's That's a way you could do that as well. But here's what we teach. What I will share with all of you is something called the bond method. Okay, right now, somebody's listening to this going, Dude, I don't want to do this. Like, I've been to those lunches. And I've been to those meetings, and I've been, well, that's how this started. I got invited by a banker. And he kept calling and calling saying, Hey, can I take chairs to lunch? And I kept my assistant putting them off. And finally, she's like, I have come up. I can't come up with any more excuses. Would you please take this guy to lunch? So I said, Fine. He says, meet me at Chipotle. We go to school. I don't know what that has to do with the story, per se. But, like, we get there. And I mean, man, you've been to these meetings before, right? Where you as soon as you stepped in the place. He just started talking, like, I could not get him to stop, and we started talking about cars. Now the interesting thing is that I'm not a car guy, so it didn't mean anything. We get our food, we sit down. Long story short, he takes his hot sauce. And he goes to put it on his burrito. And it hits the table, and it spills all over me. Oh, and I get up to leave. Yeah, I get up to get a napkin. And he's still talking. He didn't even know I left the table. And so we get up to, I'm like, how fast can I get out of here? How fast can I get out of here? And I get up to leave. And he says those magic words. He's like, hey, this was great. We should do this again sometime. And I'm like, Not on your life, man. No way. And so I leave frustrated and upset. And so you're listening to this going? Well, then, chess, why would I do what you just told me? Here's the reason that meeting was the greatest lunch I ever had. Because it taught me something. It taught me that people don't know how to network. So here comes the bond method. Okay, this is what you're going to do. By the way, this method right here has allowed me to get into mastermind groups. It's allowed me to connect with some of the top business people in the world because of this strategy right here. Okay, so here it is. It's an acronym really easy to remember, be as you build on a common interest. Oh, I know, that's earth shattering. I'm telling you. It doesn't happen. Daniel, it doesn't happen. People get in the meeting, they start telling them about themselves. No build on a common interest. If I didn't know you and we hopped on here, I would find something that is really cool. You have an excellent background. Like, I'd be like, Oh, those are cool. What's the robots about, you know, or Oh, the Inc? 5000? Like, tell me about that. Right? I would see something there that would come up and comment. I know you're headquartered in California. I grew up in California. I would just start talking about that. Right? Build on something in common kids a skill. Oh, occupation, exploration. Meaning now that we've built a relationship on some common commonality. Daniel, tell me about your business. Tell me how you got started. Tell me why you do credit repair. Because here's the thing that happens. Everyone knows they go to networking. It's like a good old boys club. You can't? Everyone walks up. Hey, Daniel, Credit River. Oh, what do you do? No, stop, timeout. That's amateur; go back and build something in common. Then ask about what you do at work, ask a tonne of questions, and needs discovery. Hey, Daniel, what do you need right now? What's keeping you up at night? Who are you looking to connect with? How can I help you? Those kinds of questions, you'll be amazed at how people are like, wow, okay, I wasn't prepared for that question. But yeah, well, what, you know, what makes you nervous, you know, what are your competitors doing? And then D is developing opportunity. What most people look at networking about as they're like, I'm trying to develop the opportunity right out of the gate. Now, chill, calm down. That comes later. If you build long-lasting relationships over time, they will always either turn out to develop an opportunity for you or for someone else. So that was a long, and maybe you want to unpack or ask any questions, but that's the bond method, right? That's what you do when you're in front of people. And you're having a face-to-face meeting?
Daniel Rosen 13:41
Hey, that's awesome. It actually sounds really simple. But I can see the order because that opens people up. And they want to help you. Yeah, that's brilliant. Now, once you've developed that relationship, well, really, how do you build it from there? And how do you maintain it? Yeah, so
Chas Wilson 14:00
Let's, let's say, just for people watching, especially in the credit repair, so let's say we're having the conversation, right? And I'll just say, I'm, I'm credit repair and your real estate agent or talking, right? And I'm asking you questions, and I, and I start asking you, what's, what are your needs? What, like, what are the things you're like? Well, it's really tough right now, and XYZ and Okay, great. Well, I don't know if you're aware, and maybe this is where the development opportunity comes in. I'm gonna give you kind of the on-one and the 201, like the advanced level, beginner level. So beginner level would be Daniel. I don't know if you're aware, but as a credit repair specialist, you know, I could help, and here's a potential way I could propose to help you solve that issue. And maybe what we should do is schedule another time because this was great. I'll tell you most business Daniel doesn't come in that first meeting. You're really building the relationship, and if you're, if you're a pro, you don't even try to do business that first time. I'm just telling you, it's it is so transactional, this game right now that if you can be more relational than transactional, You'll win long term. But the advanced level is, here's what I can do for you. But you also mentioned that ABCD is a problem. And let me introduce you, I want to, I'm going to connect you with my friend because he could solve that problem, or she could solve that problem for you. If you're open to it, would you like me to make that introduction? So much that I've done in business has come through someone else. I've referred to them. And then I circle back and say, Hey, did they help you? Did they connect you? Yes. Great. And now I'm sitting in front of them doing business because they appreciate the connection.
Daniel Rosen 15:29
Amazing. How do you maintain those relationships and keep them alive?
Chas Wilson 15:34
So that's the million-dollar question. It's not as hard as we think. Okay, so here's what I do. In my CRM in my database, I have a pipeline. Okay. I probably could have pulled that up. But it's a pipeline, and it's called My Tribe 25. And these are the 25 people that I'm constantly working on. And those are the new ones I'm trying to connect with. And then once they become part of that, they go into what, for me, I just call it my 48 Touch group, meaning I'm trying to touch one once a week throughout the year, right, taking a few weeks off, that's why it's only 48. So 48 Touch group. So my tribe 25, my top 25 group, these are the people I'm trying to connect with. And I keep a pipeline, and I just say, schedule a face-to-face how-to bond meeting. What's the follow-up action? If I feel like it's gonna go somewhere, I drop them into my 48 touches. And all my 48 touches is every morning I come in, and I'm gonna go through that list. And I just personally customized it. I don't automate all of it. Hey, Daniel, I hope you're doing well. Thanks for the podcast interview. Hey, Keenan, I hope things are going well. I just want to touch base to follow up on our conversation. And it's just a lot of that follow-up; you'd be amazed at how many people are like, Hey, it is good to hear from you. Again. I'm not spamming them, I'm not hitting them up for business. I'm always trying to add some value. And it's, it's, I hate to say it's like really a simple game. And I know everyone's waiting for the magic bullet. But think about relationships. They take work, they take time. But they're long-lasting, and then they just drive business forever.
Daniel Rosen 17:07
Sure. And this is a skill that I think is lost with the Internet. And with all of us hiding behind screens and apps and social media. This is really a skill that has always driven business. And I think it's been forgotten.
Chas Wilson 17:26
Yeah, I mean, it's so it's two things. It's a mindset and a skill set. Think about when you go to any kind of a chamber event or anything, we go to you, and I go to these mastermind events here. I'm immediately wired for who can I connect them to? Like, I just start to go in and go. Oh, Daniel, I heard you say this, you know what? I know somebody who does credit repair. I know somebody who does health insurance. I know. Would you be open to an introduction? And, like, I don't even really know you. But sure, that'd be great. People are caught off guard when you're trying to add value to them. They're almost like, wait, what's the catch? What's in it for you? What are you trying to really do? And if you do that enough times, like, you know what they also do, they tell everyone about you? And look at credit repair as an industry, people already don't trust credit, right? Like they don't trust the creditor. So now you're coming in trying to be the hero, which you are. So imagine if you not only did it through credit but you also connected them to other people. You'll get referrals coming to you left and right.
Daniel Rosen 18:25
Wow. What about people who are shy? the first couple of times I went to networking events, I was afraid to talk to people. So what can introverts do when, you know, being a social butterfly goes against their nature?
Chas Wilson 18:41
I love this question. And I don't know if you remember this. But the first mastermind you and I went together together. Yeah. When we went into the second one, there was our friend Chris Demacia stood up and said, Chas, I thought you didn't like me because you're just like, You're so quiet and stuff. When I tell you this, I know people think I'm lying. I have been doing this for 13 years. I'm an introvert by nature, and I own a networking organization. What I'm telling you is the bond method can give you some confidence because what we teach and master networks is the skill every week we practice bond, so that when you're with somebody, you really need to nail it; you have the skill set down. And as an introvert, like it's your safety net bond is like your safety net because you're like, What do I do? What do I say? So we teach people to come up with two or three introductions based on common interest statements. And then it's like, the rest is natural. The rest will happen. It's just typically, people are afraid to start, and how do I actually talk to somebody? How do I approach them? So we teach them that as part of the build on a common interest statement?
Daniel Rosen 19:44
Awesome. And then some people feel like networking feels disingenuous or sales. How do you respond to that?
Chas Wilson 19:53
Well, a lot of it is, I'm not gonna lie like a lot of it is. A lot of people are very disingenuous, and that's why it's so easy to stand out. I remember when I met Russell Brunson the first time, you know, marketing guru, and I would there was a line of people there was like three or four in front of me and I could just I could almost read his body language like people were just like, hey, Russell, they go, you know, in there, I walked up, and I said, Hey, Russell's, nice to meet you. You don't know me. We have a lot in common. Actually. You have five kids. I have five kids. And You're a wrestler. And it's funny. I would really like your opinion because one of my twins just started wrestling. He's like, wait, you have twins? I'm like, yeah, he's like, I have twins too. And it was off and running. And the people behind me, I could feel the stairs because they're like, Dude, I want my turn. And he and I were just jamming about our kids. And then I realized kids and wrestling. And that's what was important to him. And we spent 15 minutes, and no one, and then the event started, and everyone and I thought I was hugging all the time. And I thought you guys, it's not hard. It is not hard. But we have to be wired that way. Not wired. Like I'm looking for business. I'm looking for business. And now you know, Russell's referred people to me as well. And so I leapfrogged every level of the mastermind. He hasn't gotten to the Top Level Mastermind because of the connection that I made with him, which I think is the only reason that is so awesome. It's just about making a difference, like being a little different that way.
Daniel Rosen 21:18
Yeah. Yeah, I hear you. What's been the most rewarding aspect of your journey so far? Wow, what a powerful
Chas Wilson 21:26
question. The Surgeon General just put out a report, it's 85 pages. And he talked about the epidemic of loneliness. And being a business owner is super lonely. At times, you know, you've heard the phrase, it's lonely at the top-heavy is the head that wears the crown on those things. I have received a handful of times over the last few years, maybe not all the exact same message, but the message is similar to this. And I got one a couple of years ago. A lady came up to me, and she was crying. And she said I've been running my business. Her husband had passed away, she was so overwhelmed that she was at a place where she considered taking her life. And she said her master networks group was like her family and was there when she didn't know where else to turn in. And I took that as one of the greatest honors that she felt vulnerable and safe enough with that group, that network that we had built, that it truly saved her life. That's not the only time I've heard that. So sometimes, I even make the mistake of missing the game I'm playing. There's this great scene in the in the movie about Ray Kroc,
Daniel Rosen 22:42
the founder, the founder,
Chas Wilson 22:43
Yes, thank you. He's sitting there. And he thinks he's, you know, talking about hamburgers, and the guy that's, you know, advising him says, Ray, you're not in the burger business. You're in the real estate business. And the AHA comes to him. And I think we think we're all in the credit repair real estate. We're in the people business, man. Yeah. And as soon as we understand the people business, we approach it completely differently. We start to care differently; we start to approach it differently. And when that switch happens, I believe, and I've seen in the multiple companies that I have, that we never hurt for people there. They come out of places everywhere because we are people first and relationships first. So sorry. That was a long answer to your question.
Daniel Rosen 23:24
I love that. That was really, really great. And I'm going to switch gears real quick. I want to ask you a few rapid questions and just answer with the first thing that pops into your
Chas Wilson 23:36
head. Okay. Oh, boy. Okay, that sounds good. Let's go.
Daniel Rosen 23:39
What's your business superpower?
Chas Wilson 23:42
Oh, my, my superpower, I think, is being a visionary. I can see. I see things for people that they need to shape their business. I see things for our company that before they need to happen.
Daniel Rosen 23:53
Yeah. What's your business? Kryptonite, the thing that gives you the most trouble?
Chas Wilson 23:57
It's people. So I love people. And it's also our kryptonite, which I trust very easily. And on occasion, that has hurt me because I think people have taken advantage of that. So I hear, Yeah,
Daniel Rosen 24:09
Well, business ownership means to you,
Chas Wilson 24:13
It's a blessing, I do not take lightly that we have the freedom to get up every day and write our own. Like those of you who do credit repair, you could be digging ditches, right like it. There's hard work, and then there are also places where you don't have freedom. And I just really honor and respect, and I'm grateful for the freedom I have to be an entrepreneur.
Daniel Rosen 24:34
Me too. What's your definition of success?
Chas Wilson 24:38
Um, my definition of success is lived daily by the fact that I have the freedom to choose to be like my kids and my wife or my life, and I know a lot of people say that and like it is for them as well. But, like for me, I can go to every one of my kid's football games. I've coached them. My daughter's getting ready to go to college, I'm able to take her to call me when I can literally do anything and everything my kids need and want me to do. And to me, that's I believe the greatest success comes in the four walls of our home. And so I get to be a present father. And that's my, my success for me.
Daniel Rosen 25:15
That's awesome. If you could go back in time and tell yourself one piece of advice, what would it be?
Chas Wilson 25:22
It's never as good as you think. And it's never as bad as you think. I mean, I've been at the depths. I had $27. In my bank account, when I started this company, I nearly lost everything I could have used you guys probably back then. Where were you? I didn't know. And then I've had some really big highs that I thought, Man, I'm on top of the world. And I got a little too in my head. If you're listening to this, and business is struggling. That's temporary.
Daniel Rosen 25:50
Yeah, it's temporary. It sure is. What's coming up next for you and Master Networks?
Chas Wilson 25:57
Well, we just launched our community, which community means we do have local chapters. But one of the things talking about visionary to tie that all in one of the things we're up against Daniels, we see people all over the world, and all over the country who are lonely, they need connections, they feel lost, they don't know what to do next in their business. We provide education on being great business owners, I wrote the book that you talked about here, 10s of 1000s of copies, and we've helped tonnes of entrepreneurs, 10 20x, or companies, not just through networking but through education. And we realized that we don't have chapters everywhere. We can't launch them fast enough. So what we did was we created a mobile platform that brought the whole community together worldwide. It allows people to plug into our education and connect and do face-to-face on the app, do the bond method, do all of that, and make connections. So we've literally built the connections for you just plug in. And just for your groups. This is what I do for my friends. You guys are amazing. And I want to offer this. Since we talked so much about the community that I have, I want to give your people a seven-day free trial to master Eric's community. Okay, go to learn dot Master networks.net/community. They'll get a free seven-day trial. So learn dot Master networks.net/community. They'll get a free seven-day trial, and they can connect with people immediately using the bond method.
Daniel Rosen 27:17
Awesome. And how can people get your book?
Chas Wilson 27:21
Great question. Thank you. Also, I'm going to do that for free for your people. So they just have to cover the shipping. So it'd be freefiveplusone.com. And they just go to freefiveplusone.com. Put in their information, cover the shipping, and I'll send a book out to them
Daniel Rosen 27:33
a free book. That's amazing. Yeah, well, that's
Chas Wilson 27:36
what I do for friends. You know, that's what we do. Well, it's been
Daniel Rosen 27:39
awesome having you here. I want to thank you so much for your time. This was a lot of fun. And I wish you continued success. And, for everyone out there watching. If you find value in the things that I share in this podcast, be sure to click below to subscribe and follow. Also, give me a five-star review or share the show and help me to change more lives. If you'd like to read the show notes that are posted on my blog. If you have a question or a comment, drop it down below because I read each and every one of them. And I would love to hear from you. And I'll respond as soon as I can. And if you want to learn more about growing your business by relationships, check out my interview with Troy Hit. So take care of 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. It is a challenge that we call the Credit Hero Challenge if you're just planning out your business, or you're just getting started, and you dream of having a successful business of your own. So you can quit your nine-to-five and fire your boss and have financial freedom, or 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 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, go to creditherochallenge.com, and join the next challenge. And there's a challenge that starts in just a few days. So go get started right now at creditherochallenge.com