Latest / The Steve Harvey Morning Show / Mychel "Snoop" Dillard talks how she overcame obstacles run multiple successful businesses

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Mychel "Snoop" Dillard talks how she overcame obstacles run multiple successful businesses · The Steve Harvey Morning Show

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Speaker 1: next guest is one of my favorite people. Her name
2:50
Speaker 1: is Snoop Dealer. She's the owner of Dillard Hospitality Group.
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Speaker 1: D HC. Dealer Hospitality Group is Atlanta based hospitality company
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Speaker 1: that takes pride and deliver it quality care and customer
3:01
Speaker 1: service with five restaurants, three salon suites, a charity organization
3:06
Speaker 1: to tourism and travel agencies, a real estate investment and
3:09
Speaker 1: business consulting agency. D h D has become a leader
3:13
Speaker 1: and provide in Atlanta now excellent examples of optimal delivery
3:16
Speaker 1: within the service industry of Atlanta, Georgia. On the show
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Speaker 1: to day, Snoop and I, we're going to talk to
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Speaker 1: her about her road to recovery and also our mentorship
3:24
Speaker 1: program because last year. Both she and I were frustrated
3:28
Speaker 1: with this COVID ninteam when they were both entrepreneurs and
3:32
Speaker 1: also talking about putting your business back on the fast
3:34
Speaker 1: fast track to success. If anybody can talk about that
3:37
Speaker 1: because of our diversity of her portfolio, is her? Please
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Speaker 1: welcome to the show Money Making Conversation, Snoop Dialard, Hey
3:44
Speaker 1: do snow thanks to having that phenomenal uh, that phenomenal
3:50
Speaker 1: phenomenal Well, you know, you know those two are you
3:54
Speaker 1: one of my favorite people? And last time I had
3:56
Speaker 1: you on the show, COVID with beating us up as
3:59
Speaker 1: our supreneurs us both of you know, uh, your your
4:03
Speaker 1: your your birthday tour got canceled everything, and I could
4:08
Speaker 1: I could hear in your voice you were frustrated and
4:11
Speaker 1: because there were no answers, can you walk us back
4:13
Speaker 1: to as an entrepreneur, as a business owner, as a
4:16
Speaker 1: restaurant owner, because that was really scary because customers couldn't
4:20
Speaker 1: come in your business and talk about that whole process. Yeah,
4:24
Speaker 1: absolutely so, um as you all know, of course, you
4:27
Speaker 1: know we all went through the same thing with COVID
4:30
Speaker 1: nineteen and I think it was probably around the beginning
4:34
Speaker 1: of April or the end of March. The hum and
4:36
Speaker 1: I spoke last year, and of course, definitely frustrating time.
4:41
Speaker 1: That was around the time when everything was just being
4:44
Speaker 1: shut down. We were unclear on when things would open
4:47
Speaker 1: up and when everything would even turn back to any
4:50
Speaker 1: type of normalcy or if there ever would be normalcy,
4:54
Speaker 1: and what that would look like, you know, um, for
4:57
Speaker 1: months and years to come. So um, actually little be
5:00
Speaker 1: frustrating time. As you mentioned, our own five restaurants. So
5:03
Speaker 1: it's just having all of those clothes that once was
5:05
Speaker 1: very very scary. Um. It made me have to be
5:09
Speaker 1: super innovative, um and really you know, just kind of
5:12
Speaker 1: think out of the box. Uh. Now, Fortunately we were
5:17
Speaker 1: able to open back up, you know, about a month
5:20
Speaker 1: after month later after we spoke, you know, uh, during
5:24
Speaker 1: that time last year, and so I was very surprised
5:26
Speaker 1: that we were able to open back up as quickly
5:29
Speaker 1: as we were, um, and even more so surprised and
5:32
Speaker 1: pleased to see people coming out and patronizing the businesses
5:36
Speaker 1: like they did, you know, once we were able to
5:39
Speaker 1: open back up, and so I went on to open
5:42
Speaker 1: up three new businesses during the pandemic. So that was
5:47
Speaker 1: definitely it was kind of like turning you know, lemons
5:50
Speaker 1: into lemonade, you know, making a bad situation and turning
5:54
Speaker 1: that into a positive situation. So um, everything ended up
5:58
Speaker 1: turning out all right, but it was different that leave
6:00
Speaker 1: you know, a scary time, you know for all of us.
6:03
Speaker 1: Then I think the time that will you know all
6:06
Speaker 1: never forget. We know, it's really interesting because you're always upbeat,
6:10
Speaker 1: You're always a positive and you know, and as a
6:13
Speaker 1: and I want to call your friend of mine just
6:16
Speaker 1: hearing your voice and hearing the the the uncertainty and
6:21
Speaker 1: your voice doing COVID as an as an entrepreneur, because
6:23
Speaker 1: you're not only that you try to get customers the
6:25
Speaker 1: door put you have people you're employing and you're hearing
6:28
Speaker 1: their stories and their their checks and their bills that
6:30
Speaker 1: they cannot pay. But with that being said, there has
6:34
Speaker 1: been a difference in customer service now because now online
6:38
Speaker 1: or to go has become a has changed the dynamics,
6:42
Speaker 1: especially in black restaurants. Talking about how that has shifted
6:45
Speaker 1: your business model, Well, you know, while we were shut down,
6:51
Speaker 1: we were when we were allowed to stay open just
6:53
Speaker 1: to do take out. Uh, So that made us have
6:57
Speaker 1: to focus, you know, on that aspect of the business
7:00
Speaker 1: much more than we ever had before before. You know,
7:04
Speaker 1: we always were more so concerned and cater to the
7:07
Speaker 1: customers that were coming into the business. So we ended
7:11
Speaker 1: up seeing a lot of our profits from you know,
7:13
Speaker 1: Uber Eats, grub Hub, things that nature nature and even
7:17
Speaker 1: changing our platform um to see how we could do uh,
7:22
Speaker 1: take out and delivery without using those platform forms which
7:25
Speaker 1: take you know, a certain percentage of profits. So uh,
7:29
Speaker 1: it was definitely a time to kind of change some things,
7:33
Speaker 1: change our We even looked at changing our to go containers,
7:37
Speaker 1: you know, to preserve food and make sure that our
7:39
Speaker 1: to go food was fresh, just like it would be
7:43
Speaker 1: in the restaurants, you know, once you get it there
7:46
Speaker 1: at home. So um, definitely a lot of thinking outside
7:50
Speaker 1: the box, you know, during this time period and some
7:53
Speaker 1: things that we've carried on up until now. You know,
7:56
Speaker 1: we've even implemented curbside windows that several of our locations
8:01
Speaker 1: UM and still keep those going to this day, even
8:03
Speaker 1: though people are coming back into the restaurants now. You know.
8:07
Speaker 1: It was really interesting. I was with a friend I
8:08
Speaker 1: was at I was at the waffle House and were
8:11
Speaker 1: sitting up at the bar eating and I could tell you.
8:14
Speaker 1: It was actually the the the go pick up area
8:18
Speaker 1: at the end of the bar for Waffall was like amazing.
8:20
Speaker 1: It was like it was like a constant, steady flow.
8:23
Speaker 1: So I know the mentality of the customer now is
8:27
Speaker 1: they have no problem coming in, picking up their their
8:30
Speaker 1: food and exiting out of the facility. Is that maybe
8:33
Speaker 1: tied to maybe a fear or it's just a habit
8:37
Speaker 1: that was built throughing COVID a team. When it comes
8:39
Speaker 1: to future restaurant customer, I think it was a habit
8:42
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Speaker 1: enabled you. That's why you said, Okay, Rishan, we usually
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Speaker 1: have a certain way that we deliver it. I'm talking
10:46
Speaker 1: to Snoop Dillard and her customers. She has five restaurants
10:48
Speaker 1: in the Atlanta area. And stop when we're talking about this.
10:52
Speaker 1: The ability to say, you have different things you have
10:55
Speaker 1: to you have to seal containers that you can just
10:56
Speaker 1: put the lid on top of. And don't you have
10:59
Speaker 1: the little style foam that you would just fold down
11:02
Speaker 1: and just walke out of there. So I'm assuming that
11:04
Speaker 1: you went more to a seal container as far as
11:07
Speaker 1: your to go and even with the styrophone, you know,
11:09
Speaker 1: we went to a more breathable styrofoam container that would
11:13
Speaker 1: you know, keep wings and fried foods, you know, fresh
11:17
Speaker 1: shirt by the time we got those to the to
11:20
Speaker 1: the home location. Okay, cool, But let's when we were
11:23
Speaker 1: out of that. You know, we're into two. We're playing
11:26
Speaker 1: it only because I know you're you know, you're not
11:28
Speaker 1: a person that six or thirty days are you're playing
11:31
Speaker 1: a year in advance. You got the five restaurants, the
11:34
Speaker 1: three so long sweet break down to everybody, your five
11:37
Speaker 1: restaurants in the line of areas, so we get a
11:39
Speaker 1: sense of what did the hospitality the group is doing
11:42
Speaker 1: from a restaurant perspective. Absolutely, We've got Escobar restaur around
11:46
Speaker 1: the top of Us, which is located downtown on Peter
11:49
Speaker 1: Street at three seven Peter Street. We've got Escobar South
11:54
Speaker 1: which is on the south side, and Maroneberg at eleven
11:57
Speaker 1: forty Mount Zion Road. And we've also at Members Only
12:00
Speaker 1: Lounge and Restaurant which is located at one thirty nine
12:04
Speaker 1: Rough mcgheo once again downtown. Uh. And then we've got
12:08
Speaker 1: Crazy Restaurant which is located in a little five points.
12:12
Speaker 1: And then I also owned Esco Sea Food, so that
12:16
Speaker 1: one was opened up during the pandemic and it's located
12:19
Speaker 1: at four or forty seven. As you had avenue this
12:23
Speaker 1: opening up a restaurant during the pandemic, talk to me.
12:28
Speaker 1: You know people out there can't even get p P
12:29
Speaker 1: pay people out there, and you made a decision. Was
12:34
Speaker 1: it was that in the works already now, It was
12:38
Speaker 1: not the reason why I made a decision to open
12:40
Speaker 1: up Esco Sea Food is because I saw the influx
12:43
Speaker 1: of people that were coming to Atlanta, being that we
12:45
Speaker 1: were one of the only cities that were opened up
12:48
Speaker 1: the way that we were during the pandemic UM, and
12:51
Speaker 1: just kind of wanted to take advantage of that. Also,
12:54
Speaker 1: there were some unfortunate restaurants that did have to close
12:57
Speaker 1: down and were the pandemic, and so there where several
13:00
Speaker 1: second generation restaurant locations available UM that would allow us
13:06
Speaker 1: to get open pretty quickly. UM. And so once I
13:09
Speaker 1: found that location on Edge With which is a pretty
13:11
Speaker 1: sought after, you know areas to be on UM. There's
13:14
Speaker 1: a lot of walk up traffic on that street, UM,
13:18
Speaker 1: I figured that that would be a good area to
13:20
Speaker 1: start our sea food chain UM and go ahead and
13:24
Speaker 1: get that going. And so we actually get that, got
13:26
Speaker 1: that location open and about three months we opened December
13:30
Speaker 1: ninth of last year. Well, I'm going to be honest
13:33
Speaker 1: with everybody. When I talked to Snoop deal it h
13:35
Speaker 1: she's a visionary. I tell her that all the time,
13:38
Speaker 1: and she but she's also a grinder. When I say
13:41
Speaker 1: a grinder means that she's out there grind and she
13:43
Speaker 1: doesn't even realize how she knows she's talented, but may
13:46
Speaker 1: not realize that how talent and the impact that she
13:49
Speaker 1: makes on other people. Well, she has a program, a
13:51
Speaker 1: mentorship program that uh that the Road to Mentorship program.
13:56
Speaker 1: Talk to us about that Road to mendorship program and
13:59
Speaker 1: wise in't forward and why did you started? Absolutely so
14:03
Speaker 1: who is snoops Road to millions mentorship program? I pretty
14:06
Speaker 1: much started this mentorship program during covid Um. One of
14:09
Speaker 1: the things that I did while we were ship down
14:11
Speaker 1: was to film various courses that I felt would be
14:14
Speaker 1: helpful to people who wanted to get into entrepreneurship, who
14:19
Speaker 1: wanted to start saving and investing, who wanted to get
14:22
Speaker 1: into restaurant ownership UM. And then also during covid UM,
14:26
Speaker 1: I took the course myself to sharpen my skills by
14:30
Speaker 1: a friend of my name Marcus Barney. He has this
14:33
Speaker 1: whole receipt recession through family where he teaches financial literacy,
14:38
Speaker 1: credit repair, UM, funding, business credit, things of that nature.
14:42
Speaker 1: So UM and just kind of pulling all of that
14:45
Speaker 1: together and combining some of the things that I've been
14:48
Speaker 1: teaching and questions I've been answering through my business consultation
14:52
Speaker 1: to the past few years, I said, well, let me
14:55
Speaker 1: kind of put together a mentorship program that would encompass
14:58
Speaker 1: all of this information UM to be able to help
15:01
Speaker 1: individuals with my platform UM get to the point that
15:06
Speaker 1: they can be millionaires or get to the point that
15:08
Speaker 1: they can reach their goals. And so that's what it
15:11
Speaker 1: is that I'm doing. UM. It's a mentorship program at
15:13
Speaker 1: last about four weeks. UM. It encompasses teaching people how
15:17
Speaker 1: to invest, teaching people how to save UM, teach it UH,
15:21
Speaker 1: fixing individuals credit UM, showing them how to be a
15:24
Speaker 1: business credit, showing them how to get funding, showing them
15:28
Speaker 1: how to start businesses, how to scale businesses excuse me, UM,
15:32
Speaker 1: and there's a lot of one on one with my mentees.
15:35
Speaker 1: So UM it's been a great program. People have really
15:38
Speaker 1: really been and been enjoying it. UH. Started off wanting
15:42
Speaker 1: to take about ten mentees a month, kind of scale
15:45
Speaker 1: back that they kind of became a little overwhelming. So
15:48
Speaker 1: right now I kind of take on about six to
15:50
Speaker 1: eight mentees per month UM and it's a great program.
15:54
Speaker 1: People can find out more information about it by going
15:56
Speaker 1: to my website at www dot who is snooped we
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Speaker 1: Brought to you by the United States Forest Service and
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Speaker 1: the AD Council. So here's the thing. I'm talking to,
17:33
Speaker 1: Snoop Dealer. She's the owner of the Dealer Hospitality the group.
17:35
Speaker 1: If you're not aware, it's an Atlanta based hospitality company
17:39
Speaker 1: that takes pride and deliver high quality care and customer service.
17:42
Speaker 1: Let's talk about that. Let's talk about this all started
17:44
Speaker 1: with a party bus, you know, in Atlanta, way back
17:46
Speaker 1: in the day, and just an idea of stepping out
17:50
Speaker 1: on some people. Some people use the word faith. Are
17:54
Speaker 1: you and I were kind of like, we got faith,
17:55
Speaker 1: but we also are planners and we also have a
17:58
Speaker 1: budget tied to the plant. So give people advice on
18:02
Speaker 1: that whole process, because you know, you know, prayers used
18:06
Speaker 1: a lot when people make a decision, but also within
18:09
Speaker 1: that prayer, it has to be a sense of reality,
18:13
Speaker 1: a sense of revenue that you can generate out of
18:17
Speaker 1: your dream. And how do you put your ideas together,
18:20
Speaker 1: especially in the early days of starting your company and
18:23
Speaker 1: the building or I want to say the word empire
18:27
Speaker 1: I think it starts with number one first and foremost,
18:29
Speaker 1: having a good plan, as you mentioned, you know, and
18:31
Speaker 1: and when we talk about planning a business plan, you know,
18:34
Speaker 1: a lot of people are excuse me, starting businesses without
18:38
Speaker 1: even having a business plan. UM. So it really starts there,
18:42
Speaker 1: you know, it starts with having the business plan during
18:46
Speaker 1: the research m having good mentorship no individuals that are
18:52
Speaker 1: in the line of work that you're trying to get
18:53
Speaker 1: into or that have businesses similar to what you're trying
18:56
Speaker 1: to do, UM, and really studying and scaling those businesses,
19:00
Speaker 1: and and putting the research together with the grind and
19:04
Speaker 1: the hustle UM because a lot of times people really
19:07
Speaker 1: don't research what it is they're trying to do and
19:09
Speaker 1: end up spending and wasting a lot of money trying
19:12
Speaker 1: to learn along the way. So UM, that's been a
19:15
Speaker 1: big thing for me. UM. It's just having great mentors
19:20
Speaker 1: UM and having good planning skills, you know, UM. And
19:23
Speaker 1: also you know, having that funding, you know, saving and
19:26
Speaker 1: having the finances UM to be able to back up
19:29
Speaker 1: you know, those dreams and aspirations. But an interesting thing
19:32
Speaker 1: when I when I sit down and talk to Snoopler,
19:35
Speaker 1: is that there's always a level of confidence. But you
19:38
Speaker 1: and I would tell you, I I don't understand balance.
19:40
Speaker 1: You know, you've seemed to be able to understand. Hey,
19:43
Speaker 1: I can relax, I can go on vacation, I celebrate
19:46
Speaker 1: with my friends. How are you able to do that?
19:50
Speaker 1: Because I would tell you I love you. I tell
19:53
Speaker 1: people I love the work. I love the bought the
19:55
Speaker 1: building and doing covid use at that restaurant. I bought
19:59
Speaker 1: the building. Okay, so I bought into myself and believed
20:03
Speaker 1: in myself. And one of the great business decisions I've
20:05
Speaker 1: made in the past several years, how do you balance
20:08
Speaker 1: being able to be exceptionally busy as an entrepreneur, but
20:11
Speaker 1: then also having a family life or social life, a
20:15
Speaker 1: life to be able to know your friends and spend
20:17
Speaker 1: time with your friends. Absolutely great question, um. I think
20:20
Speaker 1: for me, I made the decision a few years ago
20:23
Speaker 1: that it was just something that I have to do
20:26
Speaker 1: because it's extremely important to me. You know, I think
20:29
Speaker 1: that you know we're all here for a reason, and
20:32
Speaker 1: that you know when we leave this earth. You know,
20:34
Speaker 1: we look at tombstones and I've never walked by anyone
20:37
Speaker 1: tombstones that said a great athlete, great business person, owner
20:41
Speaker 1: of such and such. You know it says mother, father,
20:44
Speaker 1: or sister or or a friend to whoever. Um, And
20:47
Speaker 1: those are the relationships that I feel like are most
20:50
Speaker 1: important that we need to make sure that we make
20:52
Speaker 1: time for. So UM it's definitely about having that balance
20:55
Speaker 1: and scheduling those things. And uh, it used to be
20:58
Speaker 1: a point in time where I was it, you know,
21:00
Speaker 1: be up all night chasing emails, the night emails working,
21:04
Speaker 1: And so I've decided that, you know, I've got to
21:07
Speaker 1: have a cut off point because there are things that
21:11
Speaker 1: are also important in life that don't evolve around money
21:15
Speaker 1: in business. Well, before I get into the the Good
21:20
Speaker 1: Credit and Credit repair company, I want to talk about
21:23
Speaker 1: your charity organization. And then I also want to talk
21:26
Speaker 1: about something that African Americans really don't get into, is
21:30
Speaker 1: that the tourism and travel business. And we know that's
21:33
Speaker 1: about to take back off. Just this past weekend, cruise
21:36
Speaker 1: ships have been released. They're starting to go back out
21:39
Speaker 1: into the waters and travel of this world. I'm a
21:42
Speaker 1: big component of a friend, a big fan of people
21:47
Speaker 1: doing cruises, especially black people. They don't realize that you
21:50
Speaker 1: go out there, you get your room, you get your food,
21:52
Speaker 1: you get your experience. It's done. You know what I'm saying.
21:56
Speaker 1: It all inclusive. So talk about first about your charity,
21:59
Speaker 1: and then we're gonna to go over into the tourism
22:01
Speaker 1: and travel legencies and encompasses on the d h G. Absolutely,
22:05
Speaker 1: and so my charity organization as Her Impact Foundation, UM,
22:09
Speaker 1: and what we do is we just try to help
22:12
Speaker 1: the community in any ways that we can. So we
22:14
Speaker 1: have UM movements where we feed the homeless UM and
22:17
Speaker 1: set up you know, UM coalitions you know, with various
22:21
Speaker 1: organizations in the community to be able to do that. UM.
22:24
Speaker 1: We also help UM kids you know that are going
22:28
Speaker 1: back to school that aren't able to you know, whose
22:31
Speaker 1: parents aren't able to provide you know, their school supplies
22:34
Speaker 1: and things of that nature. UM. We've got a Friends
22:37
Speaker 1: Giving UH event that we do which is also just
22:41
Speaker 1: based around during the Thanksgiving time UM, feeding the community
22:45
Speaker 1: UM and giving back to some of the homeless individuals.
22:48
Speaker 1: So UM definitely trying to focus a lot of efforts
22:52
Speaker 1: in that. UM. I was a single mother, so we
22:55
Speaker 1: do a I do a diaper drive as well once
22:58
Speaker 1: a year, and it's just UM basically you know, the
23:02
Speaker 1: donations you know of pampers uh and diapers and donating
23:06
Speaker 1: those two mothers that are in need. UH. So we
23:09
Speaker 1: do a lot of different, you know, combinations of different
23:12
Speaker 1: efforts to get back to the community here in Atlanta,
23:16
Speaker 1: UM and then moving over to the travel um leg
23:20
Speaker 1: of things. So UM, we're actually kind of in the
23:22
Speaker 1: works of putting that together right now. But it's just
23:25
Speaker 1: helping individuals to be able to see the world um
23:28
Speaker 1: and travel, you know, UM and be able to you know,
23:32
Speaker 1: because right now travel is so high. Last year it
23:37
Speaker 1: was you know, they dropped the prices on everything because
23:39
Speaker 1: not as many people were traveling, and now that everything's
23:41
Speaker 1: kind of opening back up, they're hitting everybody over their head.
23:45
Speaker 1: So UM. But they do have programs where you can
23:48
Speaker 1: get tickets only all way and things of that nature.
23:50
Speaker 1: But a lot of people don't realize, you know, how
23:52
Speaker 1: reasonable it can be, you know, to travel and just
23:56
Speaker 1: what the importance of it is and being able to
23:58
Speaker 1: have that culture UM and expand your mind a lot
24:01
Speaker 1: of times, you know, as your I see things, UM,
24:04
Speaker 1: your mind expands UM and it and it cultivates and
24:07
Speaker 1: creates different dreams for you UM and different goals that
24:11
Speaker 1: you may want to reach. So I think everything is
24:13
Speaker 1: all connected. Well, I know you do. I see a
24:16
Speaker 1: future you know, tough joing the type cruise in your future.
24:19
Speaker 1: I know you, I know you. I don't you that
24:22
Speaker 1: you know, just the party. But that's how I started.
24:25
Speaker 1: That's just a bigger version of that, getting to travel
24:28
Speaker 1: and safe and friends and family. Well, how how big
24:32
Speaker 1: you gonna go with this now? Because you never do
24:34
Speaker 1: anything small. It's always in the smallest the planning stage.
24:37
Speaker 1: But once the planning stage come on, come on. That
24:41
Speaker 1: the whole process of getting the African Americans out into
24:45
Speaker 1: the travel space. And like you said, because of COVID,
24:49
Speaker 1: car rennolds are extremely high nowadays. You know, getting a
24:52
Speaker 1: good car is ridiculous, especially if youre getting into the
24:55
Speaker 1: Florida area. So get with the travel agency or tourism
24:58
Speaker 1: organization that could protect you and provide you with information.
25:01
Speaker 1: You really can't just jump out there like you used to.
25:03
Speaker 1: You know, gas prices are high in certain states, in
25:06
Speaker 1: certain places. Parts of California's five dollars a gallop in California.
25:10
Speaker 1: So that's the type of information that that comes to
25:14
Speaker 1: your organization. When people come to you, it's like basically
25:16
Speaker 1: you protect people, providing them with information that makes you
25:19
Speaker 1: steering them in the right direction. Correct, absolutely, absolutely. Now
25:23
Speaker 1: let's talk about good credit bad credit. Black people are
25:27
Speaker 1: notorious that we have a history. I'm not saying we do,
25:31
Speaker 1: but we always hear the joke. You know, your you
25:34
Speaker 1: put your your child's name or your on your own,
25:37
Speaker 1: your own your gas bill or your life bill, your
25:40
Speaker 1: po child grow up and they realized they've got bad credit.
25:45
Speaker 1: We've we've we've seen these stories. We've heard these stories
25:48
Speaker 1: and been a part of this story, depending on who's
25:50
Speaker 1: listening to this interview. When you talk about good credit
25:54
Speaker 1: in your repair company, to help that out, let's talk
25:57
Speaker 1: about what exactly is good credit snoop. You know, good credit.
26:01
Speaker 1: It used to be a seventh twenty year better, but
26:03
Speaker 1: you know they're saying it nowadays that doesn't even cut it. Um.
26:07
Speaker 1: But you know, a good credit report number one is
26:10
Speaker 1: at least you know, ten open positive accounts, zero the
26:13
Speaker 1: rocket screwery accounts, zero late marks, zero items and collections,
26:18
Speaker 1: and only two to three inquiries, um. You know, over
26:21
Speaker 1: the past couple of years, um. And that could be
26:24
Speaker 1: easily attainable, you know, just by hiring your credit rescare
26:27
Speaker 1: something and kind of show show you what it is
26:29
Speaker 1: you need to do. Even a lot of people that
26:32
Speaker 1: I know they have good credit, they don't even know
26:34
Speaker 1: how they've gotten there, especially a lot of you know,
26:37
Speaker 1: people from you know, our older generations and things of
26:39
Speaker 1: that nature. So I think it's so important to have
26:42
Speaker 1: that literacy behind it because you know, it used to
26:45
Speaker 1: be like cash is king, UM, and I still believe
26:48
Speaker 1: that's to this day. But hey, if you've got good credit,
26:51
Speaker 1: you can keep a lot of that cash in your pocket. Um.
26:54
Speaker 1: You know, and if if you've gotten good credit personally,
26:57
Speaker 1: then you can build and and a ablished the business credit.
27:01
Speaker 1: UM end up getting a lot of things in your
27:03
Speaker 1: business name and they don't have to go on your
27:06
Speaker 1: personal credit report UM and affect your debt to income ratio.
27:10
Speaker 1: So UM, I think it's probably one of the most
27:13
Speaker 1: important things I'm doing right now is you know, my
27:16
Speaker 1: credit repair business and helping individuals be able to repair
27:19
Speaker 1: their credit because UM, a lot of people's financial goals
27:22
Speaker 1: and dreams are based are based around having the good
27:27
Speaker 1: credit score. UM. You know, it's hard to buy at
27:29
Speaker 1: home if you don't have a good good credit, you know, UM,
27:32
Speaker 1: it's hard to get the dream car that you want
27:34
Speaker 1: if you don't have good credit. You know, it's hard
27:37
Speaker 1: to start that business if you don't have good credit. So, um,
27:41
Speaker 1: that's one of the things that I took courses on
27:44
Speaker 1: and did a lot of research on during the pandemic
27:47
Speaker 1: um and I'm using that information now to be able
27:50
Speaker 1: to teach that to other entrepreneurs and just other individuals.
27:56
Speaker 1: It was for some reasons why I was eight years.
27:58
Speaker 1: Are always protected my credit always. I was always protective
28:02
Speaker 1: of paying my bills on time. Now, when you when
28:07
Speaker 1: somebody comes to you your credit repair service, you know
28:11
Speaker 1: they confused obviously is messed up. That's obviously the case.
28:15
Speaker 1: One of the course of the steps and sitting down
28:18
Speaker 1: with a person and getting them pointed in the right
28:20
Speaker 1: direction because they have to do something to you know,
28:23
Speaker 1: because they wouldn't be sitting in front of you if
28:26
Speaker 1: they didn't do it right. Okay, right, um, So one
28:29
Speaker 1: of the first steps for me is number one, finding
28:31
Speaker 1: out what their goals are. You know, what are your
28:33
Speaker 1: goals or your credit because you know you can pick
28:35
Speaker 1: somebody's credit, but you know, if they don't have a
28:37
Speaker 1: you know, the right amount of trade lines are the
28:39
Speaker 1: right mix of credit. A lot of times it's still
28:42
Speaker 1: hard for them to get what it is that they're
28:44
Speaker 1: looking to obtain. So the first and foremost thing is
28:47
Speaker 1: finding out what their goals are. UM. Secondly, UM, it's
28:50
Speaker 1: helping to create a budget for them because as you mentioned,
28:53
Speaker 1: there are still some things that they're gonna need to
28:55
Speaker 1: do on their own, and they're gonna need to they
28:57
Speaker 1: may have to pay some things down or whatever the
29:00
Speaker 1: case may be. UM. Third, it's pulling their credit report. UM. So,
29:04
Speaker 1: getting those three credit reports and seeing exactly where it
29:08
Speaker 1: is that they are and what we need to do,
29:10
Speaker 1: you know, whether it's getting things removed off of their credit,
29:14
Speaker 1: whether it's paying some of our credit cards down. I've
29:17
Speaker 1: got some people who come with decent credit and they
29:20
Speaker 1: just need to know how to UM hide their utilization
29:24
Speaker 1: or they need to know how to manufacture they're spending
29:29
Speaker 1: UM so that they can get higher credit limits. UM.
29:32
Speaker 1: So it's it's a wealth of different things. Sometimes it's
29:35
Speaker 1: selling trade lines to individuals, are helping provide them with
29:38
Speaker 1: trade lines so that they get more established credit history, UM,
29:44
Speaker 1: you know, to show their potential creditors. So UM, it's
29:48
Speaker 1: a basically looking at it. And then one thing that
29:49
Speaker 1: I offer is a free consultation. So a lot of
29:52
Speaker 1: times people will go to credit repair individuals and their
29:56
Speaker 1: fixed their credit, but they have no information on how
29:59
Speaker 1: to keep that credit score up um. And so that's
30:01
Speaker 1: one of the things that I teach is just you know,
30:03
Speaker 1: how can you keep that credit score up? Um? What
30:06
Speaker 1: is it that the credit bureaus and the credit reported
30:09
Speaker 1: agencies are looking at? How do we get this score
30:12
Speaker 1: or what is this score comprised stuff? So there's also
30:15
Speaker 1: some education that goes behind it as well. But when
30:18
Speaker 1: we were as we wrapped up this call and we
30:21
Speaker 1: talked about, you know, black people in general trying to
30:24
Speaker 1: be mobile. We we've had the social movement we recognized
30:29
Speaker 1: as a credible part of this country and and still
30:33
Speaker 1: being demonized because people don't want to acknowledge that there
30:36
Speaker 1: is a problems as a as a black business owner
30:40
Speaker 1: in the city of Atlanta. What are the advantages that
30:43
Speaker 1: you are achieving and what are the negatives that you're
30:46
Speaker 1: still having to overcome? UM. I think some of the
30:50
Speaker 1: advantages just being in a black city, a black city
30:52
Speaker 1: where when you go down to city Hall, a lot
30:55
Speaker 1: of those individuals and officials that are making decisions look
30:58
Speaker 1: just like you're. They're the same color as you are. Um,
31:00
Speaker 1: they're here is the same way, etcetera. I just think
31:03
Speaker 1: that that is very very helpful and very very inspiring,
31:07
Speaker 1: especially coming from a city like Nashville, Tennessee. You know,
31:10
Speaker 1: I went to high school and college in Nashville, Tennessee,
31:13
Speaker 1: originally from Detroit, and so UM, I've seen both sides
31:17
Speaker 1: to the coin and how difficult it can be when
31:20
Speaker 1: you don't live in a black city, UM and you
31:22
Speaker 1: don't have the help of you know, city Hall and
31:25
Speaker 1: various council members and things of that nature. I think
31:29
Speaker 1: some of the negatives is just some of the influx
31:31
Speaker 1: of prime that we've seen here in Atlanta due to
31:34
Speaker 1: covid UM and definitely was not like this before the pandemic.
31:38
Speaker 1: We get a lot of people who moved here from
31:40
Speaker 1: other cities, a lot of people who travel here, you know,
31:44
Speaker 1: from other cities, UM to be able to take advantage
31:47
Speaker 1: of a lot of the great things that we have
31:50
Speaker 1: here in Atlanta. UM. And I think that we definitely
31:54
Speaker 1: need that revitalization and reconstruction you know, down in city Hall.
32:00
Speaker 1: And it starts with you know, this this mayor race
32:03
Speaker 1: that you know we're gonna have in the next four
32:05
Speaker 1: or five months. So um, I think that that's probably
32:09
Speaker 1: one of the biggest negatives. Are really don't see too
32:12
Speaker 1: many outside of that. Hey, you know, Atlanta is a
32:16
Speaker 1: great city and it's been great to me, so um,
32:19
Speaker 1: I can't really come up with too many negatives other
32:21
Speaker 1: than just some of the things that we're battling now
32:23
Speaker 1: that we're due to the pandemic. Absolutely stupe you know,
32:27
Speaker 1: always fantasy. First of all, I'm happy to see the
32:29
Speaker 1: smile back, Okay. Secondly, I'm finally gonna get to you
32:33
Speaker 1: on your restaurants to sit down and eat with you
32:35
Speaker 1: and dad, because you invited me to a couple of
32:37
Speaker 1: testings taste testings, and I wasn't able to make it.
32:40
Speaker 1: So that's my goal this year. Congratulations are always success
32:45
Speaker 1: and always keep me posting, and I gottabu my always
32:47
Speaker 1: gotta have my annual you know, Snoop check in Okay,
32:51
Speaker 1: it's most check it like absolutely, I appreciate you so much.
32:54
Speaker 1: It was so good to see you this morning. Okay,
32:56
Speaker 1: cool you stay strong and we talked toon Okay Snoop Variety.
33:00
Speaker 1: Thank you You have a good one up. Okay cool.
33:01
Speaker 1: If you want to hear a ce any of my
33:03
Speaker 1: interviews to money making Conversations, please go to Money Making
33:06
Speaker 1: Conversation dot com. I'm with Sean McDonald. I am your host.
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