Feb. 5, 2025
Transforming Financial Futures Matt Dillingham: From Military Service to Mastering Credit, Embracing Accountability, and Enhancing Personal Well-being
Unlock the secrets to transforming your financial future with insights from Matt Dillingham, a former Marine turned credit and financial health expert. What if a simple shift in mindset could significantly change your financial situation? As we usher in the new year of 2025, explore Matt's compelling journey from the military to mastering credit repair and financial literacy. He shares powerful strategies for improving your credit score post-holiday spending and discusses the vital link between personal growth and financial success. Plus, get a glimpse into Matt’s daily health rituals, including his passion for fitness and the invigorating benefits of cold showers, all designed to boost your personal and financial well-being.
Navigate the complexities of credit repair and financial opportunities with our comprehensive discussion that clears up common misconceptions and highlights the importance of maintaining a strong credit report. Discover the distinct processes of credit repair, debt consolidation, and debt settlement, and learn how credit scores can open doors to homeownership and business loans. We also shine a light on the unique challenges veterans and seniors face, offering actionable advice on responsible credit management. Delve into the personal story of the A1 Solutions Group CEO, who turned early financial setbacks into a thriving career, emphasizing honesty, lifelong credit protection, and a holistic approach to client support. This episode promises to equip you with the knowledge and accountability needed to take charge of your financial destiny.
Connect with Matt Dillingham
website: www.a1solutionsgroup.com
email: mdillingham@a1solutionsgroup.com
Phone: 877-250-7170 office
Stay tuned for the next episode of Ready Set Collaborate with Wanda Pearson. Subscribe - Follow and Like Ready Set Collaborate with Wanda Pearson
00:00 - Unlocking the Secrets to Successful Networking
08:22 - Navigating Credit Repair and Financial Opportunities
20:48 - Empowering Financial Solutions With Accountability
WEBVTT
00:00:00.620 --> 00:00:15.576
Welcome to Ready Set Collaborate podcast with Rhonda Pearson, where we will dive deep into the world of networking, collaboration and partnership, unlocking the secrets to a successful team working within innovation.
00:00:15.576 --> 00:00:28.475
Whether you're an entrepreneur, a creative professional or just someone eager to understand the power of networking and collaboration, this podcast is your go-to resource.
00:00:28.475 --> 00:00:41.948
Join us as we explore the stories, strategies and insights from experts, entrepreneurs and thought leaders who have experienced the magic of networking and collaboration to achieve successful results.
00:00:42.799 --> 00:00:44.106
Tune in to Ready.
00:00:44.328 --> 00:00:51.491
Set Collaborate podcast on a journey towards achieving your goals with host Wanda Pearson.
00:00:52.901 --> 00:00:53.281
Welcome.
00:00:53.281 --> 00:00:58.142
Welcome to the Ready Set Collaborate podcast with Wanda Pearson and my guest, matt Dillingham.
00:00:58.142 --> 00:01:09.027
I am so excited to have Matt on this show because this is a new year, 2025, that we need to get our stuff in order, which means our credit, our finances, all of that.
00:01:09.027 --> 00:01:19.995
So that's why I want to do that start the beginning of the year, to get our stuff together as far as getting our finances, credit report, credit together, getting your will done.
00:01:19.995 --> 00:01:23.043
All of that stuff is so important to get started the right way.
00:01:23.043 --> 00:01:27.674
So I want to introduce you to my guest, matt Dillingham.
00:01:27.674 --> 00:01:28.984
Say hi to the audience, matt.
00:01:28.984 --> 00:01:31.224
Hey, everybody, glad to be here.
00:01:31.224 --> 00:01:36.370
Yeah, matt, we were just talking about the weather.
00:01:36.370 --> 00:01:40.230
Matt is in Virginia, so he's got a lot colder weather and snow than we do.
00:01:40.230 --> 00:01:48.724
I'm so excited to have him here and share his expertise on credit reporting and finances and that's so important, right.
00:01:49.566 --> 00:01:49.867
Very.
00:01:53.185 --> 00:01:54.587
Yeah, and I thought about Matt.
00:01:54.587 --> 00:01:58.519
I said because we did actually a webinar together about two years ago.
00:01:58.941 --> 00:02:00.042
Yeah, it's been that long.
00:02:00.722 --> 00:02:01.963
Yeah, oh wow, and we did, and we did.
00:02:01.963 --> 00:02:03.885
Yeah, it was yeah, oh wow, and we did, and we did.
00:02:03.906 --> 00:02:04.406
Yeah, it was.
00:02:04.906 --> 00:02:06.207
Yeah, yeah, yeah.
00:02:06.207 --> 00:02:06.909
So a lot of people.
00:02:06.909 --> 00:02:08.129
It's January.
00:02:08.129 --> 00:02:11.152
We did a lot of spending for Christmas.
00:02:11.152 --> 00:02:13.675
I know I got six grandkids and I said I wasn't going to do it.
00:02:13.675 --> 00:02:16.025
And I did it and I said, OK, I'm not doing this again.
00:02:16.025 --> 00:02:33.991
I said it last year, I'm not going to do it again and I credit in order and paying off credit down my credit is so important to me because my credit report is very important and I want to make sure that I stay up in those 800s and you can get there too, with Matt's help, by repairing and improving your credit score.
00:02:33.991 --> 00:02:35.502
Let me talk a little bit about Matt.
00:02:36.043 --> 00:02:38.147
Matt Dillingham is a former Marine.
00:02:38.147 --> 00:02:41.174
He served from 2006 to 2012.
00:02:41.174 --> 00:02:47.483
While in the Marine Corps, he graduated with a degree in family studies from the University of Maryland at College Park.
00:02:47.483 --> 00:02:52.983
He is also an award-winning author and a co-author of the book Born to Risk.
00:02:52.983 --> 00:03:02.929
Though he did not follow through with his major after college, that choice of major started his journey of self-development, which led him to the world of credit.
00:03:02.929 --> 00:03:14.704
Matt is a spiritual person that everything is energy and that to change one's life, to simply changing your energy within that and filling out the emotions that come up to you.
00:03:14.704 --> 00:03:27.435
He is currently the COO of A1 Solutions Group and enjoys teaching people not just about how credit works, but how the power of credit can change one's financial reality for the better.
00:03:27.435 --> 00:03:32.111
Matt, thank you so much for coming to my Ready Set Collaborate podcast.
00:03:32.111 --> 00:03:34.167
I'm so excited to have you here.
00:03:34.167 --> 00:03:37.389
Matt, tell us a little bit more about you that I haven't talked about already.
00:03:38.561 --> 00:03:40.707
I'm going to summarize my journey in a bit.
00:03:40.707 --> 00:03:43.180
I guess I'll start with some funny things.
00:03:43.180 --> 00:03:47.266
My favorite film of all time is Top Gun, the first one.
00:03:47.266 --> 00:03:51.889
I've been watching that since I was three years old, since 1988.
00:03:51.889 --> 00:03:55.014
I don't know why.
00:03:55.014 --> 00:03:57.106
It's always stuck with me, says a little bit.
00:03:57.941 --> 00:03:59.247
I'm a big advocate for health.
00:03:59.247 --> 00:04:00.805
I exercise six days a week.
00:04:00.805 --> 00:04:02.985
I do the cold showers in the morning for three minutes.
00:04:02.985 --> 00:04:04.021
I don't side up.
00:04:04.021 --> 00:04:04.943
It helps me wake up.
00:04:04.943 --> 00:04:08.973
That really helps with when waking you up puts you in a better mood.
00:04:08.973 --> 00:04:10.923
It's healthy for you.
00:04:10.963 --> 00:04:17.107
And I've got a point where it's I have it now, or if I don't do it, I feel weird, which is interesting.
00:04:17.107 --> 00:04:21.341
So there's that side and really big on the inner development work.
00:04:21.341 --> 00:04:33.079
Because at the end of the day, whether you're trying to change your credit, fix your finances, change your health, whatever your outer world is simply a reflection of what's going on inside, and too many of us want to change the external, which makes sense.
00:04:33.079 --> 00:04:36.093
You have to understand that you, it's what's going on the inside.
00:04:36.093 --> 00:04:39.766
The beliefs you had, the way you're looking at things, perceiving stuff, was what's causing the outside.
00:04:39.766 --> 00:04:45.370
So you gotta work on that first and and then from there everything else can flow and follow.
00:04:45.370 --> 00:04:47.485
And it's not that point.
00:04:47.485 --> 00:04:53.644
It won't be some sort of challenge, just kind of adjusting and getting new to change and making more autopilot at that point.
00:04:55.651 --> 00:04:57.302
Absolutely that cold shower.
00:04:57.302 --> 00:05:00.110
That seems too cold with this cold weather out here now, you know what, though?
00:05:00.149 --> 00:05:05.071
I'll tell you what it's best to do it now, because it's colder, but it prepares you better for the weather.
00:05:05.071 --> 00:05:09.846
The easy thing is, I'll do it in the summertime, of course, it's hot, it's humid.
00:05:09.846 --> 00:05:18.540
In the wintertime, though, that's where you have to go, alright, but it does wake you up.
00:05:18.540 --> 00:05:23.867
But then, after about two minutes, your body adjusts to it and so you do feel warm.
00:05:23.867 --> 00:05:29.706
Trust me, the first two minutes suck, and I'm gonna lie, I'd be like why ain't this thing?
00:05:29.706 --> 00:05:43.350
But then, after about two minutes, I've noticed it's like, all of a sudden, you feel this like adjustment or calm come over you and you go when you're like oh I, I can do this, and it feels in this difficult, your body heating up.
00:05:43.630 --> 00:05:52.694
It's a whole bunch of benefits, yeah, but better than coffee say that much god bless you, so you could have that one yeah, I'll take it.
00:05:52.800 --> 00:05:53.261
It's interesting.
00:05:53.261 --> 00:05:54.223
It helps me so much.
00:05:54.223 --> 00:05:55.447
Endurance all this.
00:05:55.466 --> 00:06:03.870
Let's go for it, yeah no, and that's what's important as far as what you're used to, how long you've been doing that for oh, when did I start?
00:06:05.713 --> 00:06:06.014
I think?
00:06:06.014 --> 00:06:08.517
I think the that's a good question.
00:06:08.517 --> 00:06:12.067
I would say about two years, because I started with listening to.
00:06:12.067 --> 00:06:15.742
I forgot how I got introduced to the windmoth, windmoth, windmoth method.
00:06:15.742 --> 00:06:22.264
Let's say I listened to the audiobook and he sells you very hard and taking a cold shower, I was like all right, fine.
00:06:22.264 --> 00:06:23.627
So started out gradually.
00:06:23.627 --> 00:06:28.766
Like he says, do 30 seconds, you do that for a week, then you bump it to another three seconds.
00:06:28.766 --> 00:06:31.641
So after three, four weeks you're at like a couple minutes.
00:06:32.124 --> 00:06:33.466
So I initially was doing it.
00:06:33.466 --> 00:06:41.651
I would take my word to the shower and then end with the cold and then after a while I was like I forget why.
00:06:41.651 --> 00:06:45.146
I'll listen to the joe rogan podcast and see if they've seen, see other people on YouTube.
00:06:45.146 --> 00:06:45.762
I wanted to.
00:06:45.762 --> 00:06:47.848
I got into, I haven't done one yet.
00:06:47.848 --> 00:06:52.365
The cold plunge was like much colder and Joe Rogan only talks about it three minutes.
00:06:52.365 --> 00:06:55.826
I hate it Sucks, but once I'm out I'm better.
00:06:55.826 --> 00:06:57.086
I feel happier, better mood.
00:06:57.086 --> 00:06:58.125
I was like all right.
00:06:58.125 --> 00:07:03.714
So then I was like let me just do three minutes of cold shower instead and start my day that way.
00:07:03.714 --> 00:07:05.560
It really does make a big difference.
00:07:05.560 --> 00:07:09.031
You're like, oh, I feel happier, don't?
00:07:09.031 --> 00:07:09.553
I don't?
00:07:09.553 --> 00:07:11.600
It's pretty how that works, but you will have better mood.
00:07:11.600 --> 00:07:14.646
Look, I feel better, wow great, that's great.
00:07:14.726 --> 00:07:21.028
Now, people, now you see, this is another way to get your mind together yeah, it does, because they're no.
00:07:21.088 --> 00:07:28.112
And the serious laugh that last I'll say about this, because typically what I do I'll have I'll take an energy shot or some cream to help keep my body going to work out.
00:07:28.112 --> 00:07:36.447
There have been times when I'm it's the energy shots hit me and I'm sitting there I'm like I'm just not, I'm just not right.
00:07:36.447 --> 00:07:40.160
Then I take a little shower and then I just first there's more.
00:07:40.160 --> 00:07:43.987
I got out and I was like yo, let's go, let's, let's do this, let's go get it worked.
00:07:43.987 --> 00:07:46.312
I was like there's a need to kick.
00:07:46.312 --> 00:07:54.108
So that means that for me, my body's, we need to do this so we can fully get going that's awesome that's awesome, that's awesome.
00:07:54.548 --> 00:07:59.689
So let's get into the meat of the ground here why, why we're here, and that was some good information as far as that, too, here.
00:07:59.689 --> 00:08:02.964
Yeah, so can you explain what credit report repair is and how it works?
00:08:02.964 --> 00:08:05.175
So what credit repair is and how it works.
00:08:06.139 --> 00:08:07.326
So what credit repair is?
00:08:07.326 --> 00:08:08.894
I'll say, ok, no, let me just.
00:08:08.894 --> 00:08:09.740
I'll tell you what it's not.
00:08:09.740 --> 00:08:11.459
It's not a miracle.
00:08:11.459 --> 00:08:18.745
People please stop coming to us hoping that I'm going to snap my fingers, you're going to be the 700, 800.
00:08:18.745 --> 00:08:19.528
That's not how it works.
00:08:19.528 --> 00:08:20.682
We I just.
00:08:20.682 --> 00:08:22.348
That's not what it is.
00:08:22.939 --> 00:08:31.367
What credit repair is at least the way I define it it's, first and foremost, educating you on credit how it works.
00:08:31.367 --> 00:08:37.369
What it's not taught, just like financial literacy educating you what is how it works right.
00:08:37.369 --> 00:08:50.754
Then also, in addition to that, it's disputing the negative items on your credit report, meaning our inquiries, late payments, collections, charge of bankruptcies, to get deleted off the file.
00:08:50.754 --> 00:09:25.440
It can also include, if need be, settling on certain accounts, like charge of collections methodology, that where, depending on who, you would have a resource they call it debt recontracting their debt settlement to where they look at what's going on, cast violations by the debt collectors to get to then settle on it or, if any case, get that wave and and depending on what the debt collector may have done, you may give money back over to you and get out of the room again.
00:09:25.440 --> 00:09:27.244
This is an imagined pill.
00:09:27.244 --> 00:09:29.710
It's by understanding your rights, everything else.
00:09:29.710 --> 00:09:30.532
So that way.
00:09:30.731 --> 00:09:36.000
If you have to go through that, I'm gonna tell you how it works, because when we're done, you have to maintain it.
00:09:36.000 --> 00:09:37.424
It's a lifelong thing.
00:09:37.424 --> 00:09:42.582
It does not, being a factory line, unfortunately, and that's what how I would say it's saying.
00:09:42.582 --> 00:09:44.226
Here's what it it is that works.
00:09:44.226 --> 00:09:48.726
Here's what we're going to do for you, to help get you where you want to be and then maintain it afterward.
00:09:48.726 --> 00:09:56.486
That way, should anything else happen to you down the line, I'm going to work with you versus for a lot of people A lot of people in my space will not say this.
00:09:56.486 --> 00:09:59.128
A lot of people will get their credit fixed.
00:09:59.128 --> 00:10:09.528
They'll get to that $700 or they get the car, what they want, and then about six months later right back where they were prior.
00:10:09.548 --> 00:10:10.009
Yep, that's gonna get it.
00:10:10.029 --> 00:10:21.475
And again it's like stop doing that, because it just makes it harder to keep going from that point on oh, absolutely, and that was actually one of the things I was going to ask you about the common misconceptions about credit repaid services.
00:10:21.475 --> 00:10:24.745
I think you just answered that question there no, no, there's another one one.
00:10:24.767 --> 00:10:25.808
No, there is a common misconception.
00:10:25.808 --> 00:10:33.451
People think credit repair, some people think that it's the same as debt consolidation or like paying off debt, and it's not.
00:10:33.451 --> 00:10:36.389
Those are two different things, three different things.
00:10:36.389 --> 00:10:43.432
So it's not the same because, if you don't know, I'm not negotiating with the creditor unless it comes down to it, and I will say this to you as well.
00:10:43.432 --> 00:10:47.443
If you do that collection charge off, there is a possibility.
00:10:47.443 --> 00:10:54.285
I don't know the chance, but I'd say this sometimes people do get sued by the original creditor of the debt collector because they can do that.
00:10:54.285 --> 00:10:56.491
But again, even happens.
00:10:56.533 --> 00:11:02.090
You have rights and how to um navigate that, because what most people do?
00:11:02.090 --> 00:11:05.846
They see the court summons and they go nope, and it's not.
00:11:05.846 --> 00:11:08.267
You don't do it because they're going to show up for court.
00:11:08.267 --> 00:11:09.230
You're not going to show up.
00:11:09.230 --> 00:11:10.923
The judge will be all right, default judgment.
00:11:10.923 --> 00:11:11.644
You were in your favor.
00:11:11.644 --> 00:11:23.427
When you can avoid court, maybe come out some whatever settlement and then also, in addition to asking for a paper deletion and then get it off and then you're good to go.
00:11:23.427 --> 00:11:27.785
You have to understand, doesn't matter what this, what the situation, you have rights.
00:11:27.785 --> 00:11:36.445
Know that when it comes to this and give it the right resource, and if I'm not a lawyer, I'll say it's not a lawyer, but I have resources that specialize in this area.
00:11:36.445 --> 00:11:44.489
I will help you with that by referring to them, because they'll be to tell you x, y and z do this, you're good people been happy and they're like, thinking like.
00:11:44.489 --> 00:11:44.990
You're welcome.
00:11:44.990 --> 00:11:46.653
You do not need to stress about this.
00:11:46.754 --> 00:11:56.945
Sorry for the long tangent no, that's good, and you can refer them to me, because that's what we do the legal shield but, there's so many other things people don't know about.
00:11:56.965 --> 00:12:03.668
You're about debt collector violations and I'm like you won't know this stuff and I'm like it's insane no, absolutely, absolutely, yeah.
00:12:03.708 --> 00:12:05.211
So let me ask you another question.
00:12:05.211 --> 00:12:11.100
So how does credit impact a person's financial opportunities, such as home ownership or business?
00:12:11.341 --> 00:12:12.003
loans.
00:12:12.003 --> 00:12:18.763
Yeah, credit, not no longer is something that denies you chances to get loan money like a personal loan.
00:12:18.763 --> 00:12:20.947
Most people are saying, hey, I have to.
00:12:20.947 --> 00:12:25.705
If you don't have good credit, it's hard to rent an apartment, but you can forget getting a mortgage.
00:12:25.705 --> 00:12:32.585
And if you do get a mortgage, a little credit score, you'll pay an arm and a leg and then some to get it.
00:12:32.585 --> 00:12:37.123
You'll come with so much money table and then also there's so many conditions they have put in place.
00:12:37.123 --> 00:12:40.931
Don't do that, just put in time to come.
00:12:40.931 --> 00:12:44.283
That way, if you get at least 620, you can qualify for certain programs.
00:12:44.283 --> 00:12:47.831
Also, depending on your job and what you get, it's so much better.
00:12:47.831 --> 00:12:52.065
There's that it can cost you more money with, depending on the state.
00:12:52.065 --> 00:12:53.028
They're changing this.
00:12:53.028 --> 00:13:02.254
Homeowner's insurance, car insurance, life insurance, health insurance I don't agree with it.
00:13:02.254 --> 00:13:13.138
But I'm thinking of my driving record should be the factor in my insurance premiums, not because if you can't pay your bills you're like screw it, I don't care, I dropped today and just go crazy on the road.
00:13:13.831 --> 00:13:19.414
That's two of the things that makes argument is a correlation Sure there is, I see that, a lot of insurance.
00:13:19.515 --> 00:13:22.062
auto insurance companies are now checking your credit.
00:13:22.730 --> 00:13:28.034
Yeah, they do, and it's not like it's a huge impact with some influence that you want to lower it.
00:13:28.034 --> 00:13:30.081
There's that.
00:13:30.081 --> 00:13:31.743
Hospitals run your credit.
00:13:31.743 --> 00:13:35.355
It's a soft pull even to have health insurance, because people forget hospitals are business.
00:13:35.355 --> 00:13:41.572
If they got to do whatever they got to do, they want to make sure they're going to get some money back or whatever, because they do that.
00:13:41.572 --> 00:13:42.653
It's a soft pull, but there's that.
00:13:42.914 --> 00:13:48.524
The other thing I want to tell people is that credit can also deny you opportunity to make more money.
00:13:48.524 --> 00:13:52.649
Jobs check, your credit softball, depending on the industry.
00:13:52.649 --> 00:13:56.996
You can be denied getting certain appointments with certain insurance companies.
00:13:56.996 --> 00:13:59.878
Credit clearances can be denied.
00:13:59.878 --> 00:14:04.160
You can lose your job due to your credit, also depending on what career you're in, whether you're in the government, where you, what career?
00:14:04.160 --> 00:14:08.275
Where you're living, where you're from the government, military, certain things, or even in the medical field.
00:14:08.275 --> 00:14:12.496
Due to your bad credit, you can be denied a lateral move or even a promotion.
00:14:13.058 --> 00:14:29.717
Wow, yeah, so it's not just like you can't get money, it's be alone, but you can now have things to make money, because, at the end of the day, what people don't understand is that when you, if you get bad credit, they're judging you based on what's on paper and you have to look at your own file, which is hard to do for a lot of people because it's scary.
00:14:29.717 --> 00:14:30.802
I get that, I've been there.
00:14:30.802 --> 00:14:39.250
You have to understand if you're showing up, if your credit is represented and showing collections charge of late teams, all these things.
00:14:39.250 --> 00:14:44.539
What you're saying is character wise, I don't care to pay my creditors and people back on a timely manner.
00:14:44.539 --> 00:14:50.188
Then people think, okay, if I pay this collection charge off, I'll be good.
00:14:50.208 --> 00:14:54.337
No, because then what happens is it gets updated being a paid collection charge off.
00:14:54.337 --> 00:15:03.461
Then again they look at it and then they think so you didn't want to pay anyone back until you defaulted on these accounts, or you paid it back because you got sued.
00:15:03.461 --> 00:15:08.977
So I'm supposed to look to you to loan you money or hire you for my company, because guess what?
00:15:08.977 --> 00:15:13.778
To be true, he who has the gold makes the rules, or he who pays you the money makes the rules.
00:15:13.778 --> 00:15:16.899
So if they want you with a certain character financially, they can do that.
00:15:16.899 --> 00:15:18.634
I don't care who did it, but I'm not the employer.
00:15:18.634 --> 00:15:19.919
So that's what I have to look at.
00:15:19.919 --> 00:15:21.874
So how do you look on paper?
00:15:25.042 --> 00:15:25.702
That is so true.
00:15:25.702 --> 00:15:29.216
So I got so many things that you're going to have to come back on my show.
00:15:29.216 --> 00:15:33.956
I know, apart from you right, there's a lot to this, it's not just like credits, Like oh no.
00:15:33.956 --> 00:15:37.971
No, it's a lot, but yeah.
00:15:37.971 --> 00:15:45.399
So what are the first steps someone should take to improve their credit score and what are some of the common mistakes that they make trying to fix their own credit?
00:15:45.399 --> 00:15:47.384
I know there's a two-in-one questionnaire.
00:15:47.445 --> 00:15:50.011
I know, but one of them I just mentioned is paying the collection charge off.
00:15:50.011 --> 00:15:50.673
So they don't have to.
00:15:50.673 --> 00:15:51.034
That's one.
00:15:51.034 --> 00:16:04.663
But before let's step back, the first thing you have to and again this is the hardest for some people because it's a scary step With HandlingCreditReportcom they now allow you to pull your credit report once a week for free.
00:16:04.663 --> 00:16:05.865
Do all three bureaus.
00:16:05.865 --> 00:16:06.975
Do not pay for your score.
00:16:06.975 --> 00:16:09.232
There's a reason behind.
00:16:09.232 --> 00:16:13.674
They did that because Congress required them to do this back in the 90s and the bureaus were like that's not fair.
00:16:13.674 --> 00:16:14.378
How can we make money?
00:16:14.378 --> 00:16:17.015
Oh, we'll charge them for their credit scores.
00:16:17.015 --> 00:16:18.981
So don't do it.
00:16:18.981 --> 00:16:29.177
Or, if you don't want to do that, you can use, you can pay for credit monitoring.
00:16:29.177 --> 00:16:31.224
That gives you all three bureaus, not credit karma trash.
00:16:31.224 --> 00:16:37.159
We use my score if you recommend that, or you use my fico is going to get fico score, which is by 90 of companies on the stage you get all three bureaus.
00:16:37.620 --> 00:16:40.240
You need to get all three reports and start looking at on that.
00:16:40.240 --> 00:16:47.679
And then you want to look at just four tiers your credit report, four tiers personal information, hard inquiries, your accounts and public record.
00:16:47.679 --> 00:17:01.875
You want to look at all that information and the personal information will contain your name, variation of your name, birth date, phone number, social, current address, old addresses you've worked at, old employees you worked at and you want to look at that and go, okay, is my name spelled correctly?
00:17:01.875 --> 00:17:02.839
Do I have names in my heart?
00:17:02.839 --> 00:17:04.092
Mine is my birth date.
00:17:04.092 --> 00:17:05.253
Do I have more than one social?
00:17:05.253 --> 00:17:07.377
Are my current addresses correct?
00:17:07.377 --> 00:17:09.782
That happens on the old addresses too.
00:17:09.782 --> 00:17:13.049
Some people have addresses on it that they've never lived at.
00:17:13.049 --> 00:17:25.877
I have one client who did this process when we had people calling the bureaus to update this and I don't know one bureau had him for his name, had him listed as a state highway for his name.
00:17:25.877 --> 00:17:30.417
This stuff happens and we'll tell you.
00:17:30.417 --> 00:17:41.118
So you want to go through that and clean that up, to have one name was listed on your social security card one current address, one correct social, no old addresses, one current report.
00:17:41.118 --> 00:17:44.655
That way you look clean again about paper Two, look at your hard inquiries.
00:17:45.150 --> 00:17:46.374
You can dispute those as well.
00:17:46.374 --> 00:17:50.446
See which ones are again yours or not yours.
00:17:50.446 --> 00:17:51.349
You can see them anyway.
00:17:51.349 --> 00:17:53.715
Otherwise they stand for 10 years.
00:17:54.416 --> 00:17:56.321
Then comes the accounts, whichever focuses on.
00:17:56.321 --> 00:17:58.237
Look at your accounts, look at the payment history.
00:17:58.237 --> 00:18:01.550
This is also important because that one portion I was speaking with.
00:00:00.620 --> 00:00:15.576
00:00:15.576 --> 00:00:28.475
00:00:28.475 --> 00:00:41.948
00:00:42.799 --> 00:00:44.106
00:00:44.328 --> 00:00:51.491
00:00:52.901 --> 00:00:53.281
00:00:53.281 --> 00:00:58.142
00:00:58.142 --> 00:01:09.027
00:01:09.027 --> 00:01:19.995
00:01:19.995 --> 00:01:23.043
00:01:23.043 --> 00:01:27.674
00:01:27.674 --> 00:01:28.984
00:01:28.984 --> 00:01:31.224
00:01:31.224 --> 00:01:36.370
00:01:36.370 --> 00:01:40.230
00:01:40.230 --> 00:01:48.724
00:01:49.566 --> 00:01:49.867
00:01:53.185 --> 00:01:54.587
00:01:54.587 --> 00:01:58.519
00:01:58.941 --> 00:02:00.042
00:02:00.722 --> 00:02:01.963
00:02:01.963 --> 00:02:03.885
00:02:03.906 --> 00:02:04.406
00:02:04.906 --> 00:02:06.207
00:02:06.207 --> 00:02:06.909
00:02:06.909 --> 00:02:08.129
00:02:08.129 --> 00:02:11.152
00:02:11.152 --> 00:02:13.675
00:02:13.675 --> 00:02:16.025
00:02:16.025 --> 00:02:33.991
00:02:33.991 --> 00:02:35.502
00:02:36.043 --> 00:02:38.147
00:02:38.147 --> 00:02:41.174
00:02:41.174 --> 00:02:47.483
00:02:47.483 --> 00:02:52.983
00:02:52.983 --> 00:03:02.929
00:03:02.929 --> 00:03:14.704
00:03:14.704 --> 00:03:27.435
00:03:27.435 --> 00:03:32.111
00:03:32.111 --> 00:03:34.167
00:03:34.167 --> 00:03:37.389
00:03:38.561 --> 00:03:40.707
00:03:40.707 --> 00:03:43.180
00:03:43.180 --> 00:03:47.266
00:03:47.266 --> 00:03:51.889
00:03:51.889 --> 00:03:55.014
00:03:55.014 --> 00:03:57.106
00:03:57.941 --> 00:03:59.247
00:03:59.247 --> 00:04:00.805
00:04:00.805 --> 00:04:02.985
00:04:02.985 --> 00:04:04.021
00:04:04.021 --> 00:04:04.943
00:04:04.943 --> 00:04:08.973
00:04:08.973 --> 00:04:10.923
00:04:10.963 --> 00:04:17.107
00:04:17.107 --> 00:04:21.341
00:04:21.341 --> 00:04:33.079
00:04:33.079 --> 00:04:36.093
00:04:36.093 --> 00:04:39.766
00:04:39.766 --> 00:04:45.370
00:04:45.370 --> 00:04:47.485
00:04:47.485 --> 00:04:53.644
00:04:55.651 --> 00:04:57.302
00:04:57.302 --> 00:05:00.110
00:05:00.149 --> 00:05:05.071
00:05:05.071 --> 00:05:09.846
00:05:09.846 --> 00:05:18.540
00:05:18.540 --> 00:05:23.867
00:05:23.867 --> 00:05:29.706
00:05:29.706 --> 00:05:43.350
00:05:43.630 --> 00:05:52.694
00:05:52.800 --> 00:05:53.261
00:05:53.261 --> 00:05:54.223
00:05:54.223 --> 00:05:55.447
00:05:55.466 --> 00:06:03.870
00:06:05.713 --> 00:06:06.014
00:06:06.014 --> 00:06:08.517
00:06:08.517 --> 00:06:12.067
00:06:12.067 --> 00:06:15.742
00:06:15.742 --> 00:06:22.264
00:06:22.264 --> 00:06:23.627
00:06:23.627 --> 00:06:28.766
00:06:28.766 --> 00:06:31.641
00:06:32.124 --> 00:06:33.466
00:06:33.466 --> 00:06:41.651
00:06:41.651 --> 00:06:45.146
00:06:45.146 --> 00:06:45.762
00:06:45.762 --> 00:06:47.848
00:06:47.848 --> 00:06:52.365
00:06:52.365 --> 00:06:55.826
00:06:55.826 --> 00:06:57.086
00:06:57.086 --> 00:06:58.125
00:06:58.125 --> 00:07:03.714
00:07:03.714 --> 00:07:05.560
00:07:05.560 --> 00:07:09.031
00:07:09.031 --> 00:07:09.553
00:07:09.553 --> 00:07:11.600
00:07:11.600 --> 00:07:14.646
00:07:14.726 --> 00:07:21.028
00:07:21.088 --> 00:07:28.112
00:07:28.112 --> 00:07:36.447
00:07:36.447 --> 00:07:40.160
00:07:40.160 --> 00:07:43.987
00:07:43.987 --> 00:07:46.312
00:07:46.312 --> 00:07:54.108
00:07:54.548 --> 00:07:59.689
00:07:59.689 --> 00:08:02.964
00:08:02.964 --> 00:08:05.175
00:08:06.139 --> 00:08:07.326
00:08:07.326 --> 00:08:08.894
00:08:08.894 --> 00:08:09.740
00:08:09.740 --> 00:08:11.459
00:08:11.459 --> 00:08:18.745
00:08:18.745 --> 00:08:19.528
00:08:19.528 --> 00:08:20.682
00:08:20.682 --> 00:08:22.348
00:08:22.939 --> 00:08:31.367
00:08:31.367 --> 00:08:37.369
00:08:37.369 --> 00:08:50.754
00:08:50.754 --> 00:09:25.440
00:09:25.440 --> 00:09:27.244
00:09:27.244 --> 00:09:29.710
00:09:29.710 --> 00:09:30.532
00:09:30.731 --> 00:09:36.000
00:09:36.000 --> 00:09:37.424
00:09:37.424 --> 00:09:42.582
00:09:42.582 --> 00:09:44.226
00:09:44.226 --> 00:09:48.726
00:09:48.726 --> 00:09:56.486
00:09:56.486 --> 00:09:59.128
00:09:59.128 --> 00:10:09.528
00:10:09.548 --> 00:10:10.009
00:10:10.029 --> 00:10:21.475
00:10:21.475 --> 00:10:24.745
00:10:24.767 --> 00:10:25.808
00:10:25.808 --> 00:10:33.451
00:10:33.451 --> 00:10:36.389
00:10:36.389 --> 00:10:43.432
00:10:43.432 --> 00:10:47.443
00:10:47.443 --> 00:10:54.285
00:10:54.285 --> 00:10:56.491
00:10:56.533 --> 00:11:02.090
00:11:02.090 --> 00:11:05.846
00:11:05.846 --> 00:11:08.267
00:11:08.267 --> 00:11:09.230
00:11:09.230 --> 00:11:10.923
00:11:10.923 --> 00:11:11.644
00:11:11.644 --> 00:11:23.427
00:11:23.427 --> 00:11:27.785
00:11:27.785 --> 00:11:36.445
00:11:36.445 --> 00:11:44.489
00:11:44.489 --> 00:11:44.990
00:11:44.990 --> 00:11:46.653
00:11:46.754 --> 00:11:56.945
00:11:56.965 --> 00:12:03.668
00:12:03.708 --> 00:12:05.211
00:12:05.211 --> 00:12:11.100
00:12:11.341 --> 00:12:12.003
00:12:12.003 --> 00:12:18.763
00:12:18.763 --> 00:12:20.947
00:12:20.947 --> 00:12:25.705
00:12:25.705 --> 00:12:32.585
00:12:32.585 --> 00:12:37.123
00:12:37.123 --> 00:12:40.931
00:12:40.931 --> 00:12:44.283
00:12:44.283 --> 00:12:47.831
00:12:47.831 --> 00:12:52.065
00:12:52.065 --> 00:12:53.028
00:12:53.028 --> 00:13:02.254
00:13:02.254 --> 00:13:13.138
00:13:13.831 --> 00:13:19.414
00:13:19.515 --> 00:13:22.062
00:13:22.730 --> 00:13:28.034
00:13:28.034 --> 00:13:30.081
00:13:30.081 --> 00:13:31.743
00:13:31.743 --> 00:13:35.355
00:13:35.355 --> 00:13:41.572
00:13:41.572 --> 00:13:42.653
00:13:42.914 --> 00:13:48.524
00:13:48.524 --> 00:13:52.649
00:13:52.649 --> 00:13:56.996
00:13:56.996 --> 00:13:59.878
00:13:59.878 --> 00:14:04.160
00:14:04.160 --> 00:14:08.275
00:14:08.275 --> 00:14:12.496
00:14:13.058 --> 00:14:29.717
00:14:29.717 --> 00:14:30.802
00:14:30.802 --> 00:14:39.250
00:14:39.250 --> 00:14:44.539
00:14:44.539 --> 00:14:50.188
00:14:50.208 --> 00:14:54.337
00:14:54.337 --> 00:15:03.461
00:15:03.461 --> 00:15:08.977
00:15:08.977 --> 00:15:13.778
00:15:13.778 --> 00:15:16.899
00:15:16.899 --> 00:15:18.634
00:15:18.634 --> 00:15:19.919
00:15:19.919 --> 00:15:21.874
00:15:25.042 --> 00:15:25.702
00:15:25.702 --> 00:15:29.216
00:15:29.216 --> 00:15:33.956
00:15:33.956 --> 00:15:37.971
00:15:37.971 --> 00:15:45.399
00:15:45.399 --> 00:15:47.384
00:15:47.445 --> 00:15:50.011
00:15:50.011 --> 00:15:50.673
00:15:50.673 --> 00:15:51.034
00:15:51.034 --> 00:16:04.663
00:16:04.663 --> 00:16:05.865
00:16:05.865 --> 00:16:06.975
00:16:06.975 --> 00:16:09.232
00:16:09.232 --> 00:16:13.674
00:16:13.674 --> 00:16:14.378
00:16:14.378 --> 00:16:17.015
00:16:17.015 --> 00:16:18.981
00:16:18.981 --> 00:16:29.177
00:16:29.177 --> 00:16:31.224
00:16:31.224 --> 00:16:37.159
00:16:37.620 --> 00:16:40.240
00:16:40.240 --> 00:16:47.679
00:16:47.679 --> 00:17:01.875
00:17:01.875 --> 00:17:02.839
00:17:02.839 --> 00:17:04.092
00:17:04.092 --> 00:17:05.253
00:17:05.253 --> 00:17:07.377
00:17:07.377 --> 00:17:09.782
00:17:09.782 --> 00:17:13.049
00:17:13.049 --> 00:17:25.877
00:17:25.877 --> 00:17:30.417
00:17:30.417 --> 00:17:41.118
00:17:41.118 --> 00:17:44.655
00:17:45.150 --> 00:17:46.374
00:17:46.374 --> 00:17:50.446
00:17:50.446 --> 00:17:51.349
00:17:51.349 --> 00:17:53.715
00:17:54.416 --> 00:17:56.321
00:17:56.321 --> 00:17:58.237
00:17:58.237 --> 00:18:01.550