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James Hunt Full Interview · The Steve Harvey Morning Show

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Speaker 1: My next guest is the owner of Excellent Credit Builders
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Speaker 1: and it's based in Atlanta, jaw John Um. Excellent Credit
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Speaker 1: Builders provides premier credit restoration UM services for thousands of
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Speaker 1: individuals across the nation, including the Top A List, entertainers, actors, actresses,
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Speaker 1: celebrities and business professionals. Please welcome to Money Making Conversations
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Speaker 1: celebrity guru and entrepreneur James Hunt. Thank you, thank you
0:29
Speaker 1: for being for having me. Thank you. First of all, James,
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Speaker 1: I'm assuming that you're in Atlanta currently, Yes, I am.
0:36
Speaker 1: I just got back from Dallas, UM last late last night. Well,
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Speaker 1: your well, in your world, you know, have have opportunity,
0:43
Speaker 1: will travel to get to the opportunity that I'm assuming right,
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Speaker 1: absolutely absolutely. I was out there with the Bishop T. D. Jicks,
0:51
Speaker 1: my man Dallas, great man to be around and the
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Speaker 1: motivator himself. So let's talk about let's talk about your brand?
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Speaker 1: What is your brand? James, Well, my brand is the
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Speaker 1: celebrity credit Guru UM. And obviously I had to a
1:07
Speaker 1: ton of uh NBA players and NFL players and music
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Speaker 1: industry people and actors uh tv um um actors uh,
1:19
Speaker 1: but also to everyone else. So UM. Long before there.
1:23
Speaker 1: Wherever our company was doing celebrity clients, we were doing
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Speaker 1: regular clients, and so I had to do everything that
1:31
Speaker 1: has to do with credit for all of my clients. Now,
1:34
Speaker 1: when you say credit, okay, I'm just trying to get
1:37
Speaker 1: a defined statement of what exactly you do because you
1:39
Speaker 1: have financial planners, okay, financial advisors, and then you have
1:44
Speaker 1: then you talk about credit. What am I missing in
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Speaker 1: this conversation? So our job is to handle every negative
1:53
Speaker 1: issue in that credit report for each of the clients.
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Speaker 1: So the clients who have negative issues is whether it
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Speaker 1: is taxulling, civil judgments, bankruptcies, child support, um, late payments,
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Speaker 1: hard inquiries. Our job is to assist our clients with
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Speaker 1: challenging those issues with the credit reporting agencies and or
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Speaker 1: with the creditors UH to have those accounts and those
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Speaker 1: negative items removed, and to a system in building their
2:23
Speaker 1: credit scores up as high as they can go. Cool. Now,
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Speaker 1: maya the highest it can go as eight hundred and fifty? Correct? Yes,
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Speaker 1: So the frecal score starts at three and goes all
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Speaker 1: the way up to exit. Okay, what is a good score?
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Speaker 1: I know that, but I'm just talking in general just
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Speaker 1: to be able to promote your brain and be able
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Speaker 1: to talk about in general to the to my listeners. Well,
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Speaker 1: the FCO system definds a good score as a credit
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Speaker 1: score between UH six fifty nine and seven forty nine.
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Speaker 1: But a seven fifty to an eight fifty is is
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Speaker 1: UH titled excellent credit. And so the goal is for
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Speaker 1: every claient is to get them into the excellent credit category. Cool,
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Speaker 1: I am in the excellent credit creategory. Mr Hunt, just
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Speaker 1: wanna let you know that. Let you been working hard
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Speaker 1: since eighteen okay, you know, and because people understand the
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Speaker 1: value of credit, now let's talk about let's talk before
3:22
Speaker 1: we get into celebrities, because you know, we know way
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Speaker 1: more individuals than we know celebrities. And celebrities I know
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Speaker 1: for you know, they come in a massive amount of money.
3:30
Speaker 1: Sometimes that's when they really gave credit issues. Because you know,
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Speaker 1: you can get a big contract, especially at athletes. You know,
3:35
Speaker 1: you get a major signing bonus. What you do with
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Speaker 1: that signing bonies You can buy homes and all of
3:40
Speaker 1: a sudden you gotta pay notes, and all of a
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Speaker 1: sudden your injury could end that, or you can get
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Speaker 1: traded in that, or suddenly your talents just fall off,
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Speaker 1: but you still are living at that lifestyle or five
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Speaker 1: million dollars year or two million ills year or one
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Speaker 1: million dollars a year. And we know that that lifestyle
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Speaker 1: once it stops, the bills don't stop exactly. So so
4:01
Speaker 1: so let's talk about individual. How does an individual how
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Speaker 1: do you create an individual relationship and how do they
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Speaker 1: contact you? So my job is with for all of
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Speaker 1: my clients, so they don't usually call us, uh and uh,
4:14
Speaker 1: we'll first stop, We'll tell them how to actually pull
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Speaker 1: a copy of the credit report. Uh. They contact us
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Speaker 1: through Celebrity Credit Guru dot com, my website, are dialing
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Speaker 1: my number or a ton of them call us from
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Speaker 1: on Instagram. Uh, my instagram is at who is James Runt?
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Speaker 1: And so when they reach out to us, then we
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Speaker 1: go over their credit reports. They'll fitness a copy of
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Speaker 1: the credit reports and we will do a written consultation
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Speaker 1: based upon what the issues are in the credit report
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Speaker 1: that need to be removed and give them an estimate,
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Speaker 1: uh time frame of what can be done in that
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Speaker 1: time frame, what strategies are necessary to be able to
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Speaker 1: address the negative issues in the credity part and how
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Speaker 1: likely it is to be able to get those UH
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Speaker 1: issues removed the out of the credit report. And then
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Speaker 1: once we agree to it end, then what the price
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Speaker 1: is then our job to get it out. The amount
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Speaker 1: of money will get a certain amount of work done. Yes, yes,
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Speaker 1: So let's talk about these reports. You have three three
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Speaker 1: are reporting agencies, right, M So do does does? Does
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Speaker 1: the report? I have to be cleaned up on all
5:30
Speaker 1: three or to be cleaned up on one? How does
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Speaker 1: that work? So if it is only done on one
5:36
Speaker 1: or two, then the job really isn't done? So um,
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Speaker 1: it does not make sense to actually, um clean up
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Speaker 1: a credit that is on Experience and trans Union and
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Speaker 1: then leave a negative issues in Equifax. So really the
5:52
Speaker 1: job isn't done until it has been cleaned all the
5:55
Speaker 1: way across the board. So every negative issue has to
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Speaker 1: be addressed in all three credit reporting agencies and have
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Speaker 1: to be successfully disputed and and deleted off of the
6:06
Speaker 1: credit report, UH in order to say that our job
6:09
Speaker 1: has been done? Now how does UM you know? I
6:14
Speaker 1: was just going through some of your talking points. You
6:16
Speaker 1: one of the talking points with regardless of race and
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Speaker 1: social status, lack Americans tend to have a law credit
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Speaker 1: score than all other Americans Um. Why I think it
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Speaker 1: is because for the most part that African Americans have
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Speaker 1: not educated themselves and and and I noticed I did
6:35
Speaker 1: not say that they have not been educated because I
6:39
Speaker 1: think that in we live in a society these days
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Speaker 1: where all of the information is available at your fingertips
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Speaker 1: and you can google. There is no excuse, uh to
6:49
Speaker 1: say that we don't know. If you wanted to know something,
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Speaker 1: uh as it relates to your credit or anything else,
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Speaker 1: you can google it and you can find that information
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Speaker 1: and online and and be proactive with addressing your issues.
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Speaker 1: So are people have not been educated or have not
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Speaker 1: educated themselves to the extent that other races have and
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Speaker 1: are not as proactive as other races are with addressing
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Speaker 1: those issues and knowing that anything can be successfully talented
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Speaker 1: and removed all of the credit report and all of
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Speaker 1: the keys that are necessary to actually maintain it. So
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Speaker 1: it's one thing to take it off to address the
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Speaker 1: negative issues, but if you don't address address the negative
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Speaker 1: behavior that caused the negative issues, then you'll be right
7:39
Speaker 1: back in that same situation six months from now. So
7:43
Speaker 1: it is about educating them and regarding what they can
7:47
Speaker 1: do and then how they can never make uh. Fall
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Speaker 1: into those same traps again credit wise, that brought them
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Speaker 1: into having a negative or bad credit. Well credit, it's
8:00
Speaker 1: I say, you know, there's so many rules of getting
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Speaker 1: it right. Uh. You know, as you get young, you
8:08
Speaker 1: know you're going to college, you can get these credit
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Speaker 1: cards and then you're not. It's possible with the credit cards.
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Speaker 1: You have student loans in time to your credit. As
8:15
Speaker 1: you get older, you know, if you miss payments or
8:19
Speaker 1: they tell you, you know, a credit can still your
8:22
Speaker 1: your document for seven years. Here, I'm just a guy,
8:28
Speaker 1: I'm mid thirties coming into your office, got some bad credit.
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Speaker 1: Walk me through the steps of trying to save my
8:36
Speaker 1: life credit? Why James? Yeah, Soto, the do I messed up? James? Okay,
8:43
Speaker 1: I'm not really making that that kind of money, you
8:45
Speaker 1: know what I'm saying. You know, but I'm making money.
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Speaker 1: I I can make enough money to pay for my rent.
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Speaker 1: Got a car I shouldn't. I shouldn't be in you know,
8:55
Speaker 1: but but you know I want to get Do I
8:58
Speaker 1: do a consolidation loan? What do I? So? I would
9:03
Speaker 1: advise against insolidation. Consolidation um, because consolidation is just really
9:09
Speaker 1: like the next step before a bankruptcy and a consolidation
9:14
Speaker 1: will show in your credit report and is a negative
9:18
Speaker 1: in your credit report because it says to any future
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Speaker 1: creditors that at some point your credit got so out
9:25
Speaker 1: of fend that you had to consolidate all of your
9:28
Speaker 1: debts and you were unable to pay them individually, your
9:32
Speaker 1: creditors individually, and you had to consolidate all of your debt.
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Speaker 1: Says that your your that your finances were out of control.
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Speaker 1: So my advice is if it's a plan, did come
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Speaker 1: into the office with issues and was considering consolidations, then
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Speaker 1: we would set him down and go through that credit
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Speaker 1: report line by line to address every trade line in
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Speaker 1: there to pinpoint what you're doing wrong and then what
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Speaker 1: changes can be made and what we what the strategy
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Speaker 1: is for your particular credit report and your particular issues. Uh,
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Speaker 1: And they're not cookie cutter type um strategies, and so
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Speaker 1: we can pointed to to what their issues are and
10:13
Speaker 1: what they're trying to do credit wise, because often clients
10:18
Speaker 1: come into the office and their back is up against
10:20
Speaker 1: the wall because they're trying to close on the house
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Speaker 1: and issues and they have issues in it and they
10:26
Speaker 1: can't get the house or they can't get the car
10:29
Speaker 1: because the dealership just told them that they had these
10:32
Speaker 1: these things going on. And so now they're back is
10:35
Speaker 1: up against the wall and they want some instant success
10:39
Speaker 1: and addressing the issues. And so we will sit them
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Speaker 1: down and talk about what issues can be done, and
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Speaker 1: what kind of time frame everything can be done in,
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Speaker 1: and how we can address it expeditiously to get those
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Speaker 1: issues out of the credit report, and what and what
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Speaker 1: is necessary to build it to start building the process. Now,
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Speaker 1: your your your your credit score or the your level
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Speaker 1: of credit good or bad, can't determine the interest rate correct,
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Speaker 1: Oh absolutely, and and it determines it. So it determines
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Speaker 1: the higher your credit score, the lower your interest rate.
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Speaker 1: The lower your credit score, the higher your interest rate.
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Speaker 1: And so that is a major factor in in disputing
11:20
Speaker 1: the credit is you have to deal with those scores.
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Speaker 1: And my advice is before you're even trying to actually
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Speaker 1: obtain new credit for a home, for a car, address
11:31
Speaker 1: the credit issues and let's get that score up high
11:34
Speaker 1: enough so that you can get what it is that
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Speaker 1: you need to get. A fifty is that top score?
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Speaker 1: I and i I've never gotten eight fifty, you know,
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Speaker 1: I think that's a pipe dream. But I'm trying, James,
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Speaker 1: I'm trying. I'm talking to James achievable that Yeah. Excellent
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Speaker 1: Credit Building is the name of the company. Is based
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Speaker 1: in the Land of George. When we come back, we're
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Speaker 1: gonna he gonna share some of the stories where even
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Speaker 1: because even if your celebrity, if you got bad credit,
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Speaker 1: guess what, it can stop you from buying what you
12:04
Speaker 1: want to buy. So credit is the key. Whether you're
12:07
Speaker 1: successful as an individual or your major athletes or superstar entertainment,
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Speaker 1: credit comes back to be the key to fulfilling a
12:17
Speaker 1: lot of your purchase dreams. We were right back with
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Speaker 1: more my man, James Hunt, celebrity credit girl and entrepreneur. Hi,
12:24
Speaker 1: this is ra Sean McDonald and you're listening to Money
12:26
Speaker 1: Making Conversation. I'm the host on the phone. Is a
12:30
Speaker 1: first time guest on Money Making Conversation. I think he's
12:32
Speaker 1: the perfect guest to be on Money Making Conversations because
12:35
Speaker 1: it's talking about credit builders. Um. I know when I
12:39
Speaker 1: was for some reason, when I was eighteen, I just
12:41
Speaker 1: had to clear understanding that I had to get my
12:42
Speaker 1: credit right. Yeah, I had to understand that. It started
12:45
Speaker 1: out with my little serious credit card and my Montgomery
12:48
Speaker 1: War credit card, and I finally got my Shell credit card.
12:51
Speaker 1: So I was rocking and rolling. Back in the day
12:54
Speaker 1: when you got to see his credit card, that was
12:56
Speaker 1: almost like getting an American Express. And so when you
12:58
Speaker 1: got your shall called gas card, that was like you
13:02
Speaker 1: gotta share card. You were on fire with good credit.
13:05
Speaker 1: So so the rules have changed, you know. Now I
13:08
Speaker 1: got my credit cards, and I got my name the
13:11
Speaker 1: type of cards I have. But your bar rocking and
13:13
Speaker 1: rolling with the right credit cards right now. But in
13:16
Speaker 1: the conversation, I want to get into this. This break here, James,
13:19
Speaker 1: is about you know, you say right here, money can
13:22
Speaker 1: solve a lot of problems, believe it or not. Without
13:25
Speaker 1: good credit, there are still many things you cannot accomplish
13:29
Speaker 1: personally or professionally. There are many millionaires who cannot own
13:33
Speaker 1: homes a purchase to carve their charge unless they pay
13:38
Speaker 1: the price due to the debt and bad credit. Talk
13:41
Speaker 1: to us about that. So it is, uh, what's the
13:46
Speaker 1: tragedy is is seeing all those different celebrities that are
13:50
Speaker 1: coming in. And I think that the the um regular
13:54
Speaker 1: society has no idea that the people that you see
13:57
Speaker 1: on the big screen, and the people that you see
13:59
Speaker 1: on the fielding on the courts, and because we know
14:03
Speaker 1: how much money they make, they have the same kind
14:06
Speaker 1: of issues that we deal with. And so I'll give
14:08
Speaker 1: you a couple of people who for examples because they
14:11
Speaker 1: talk openly about it. So when Tank came to see
14:15
Speaker 1: me as a as a clan, his school was in
14:17
Speaker 1: the low four hundreds, and that he had been leasing
14:21
Speaker 1: homes for over twelve years, and his credit had been
14:25
Speaker 1: that bad. And so we see him, we see all
14:28
Speaker 1: of the albums, We see him making all of the
14:30
Speaker 1: um money and doing all of the other successful things,
14:34
Speaker 1: but yet he was unable to actually purchase his own home.
14:39
Speaker 1: And so for years, for over a decade, he had
14:43
Speaker 1: been actually making other home owners rich by actually paying
14:47
Speaker 1: their mortgage and and unable to actually get his own.
14:51
Speaker 1: So we took his credit score short for him all
14:55
Speaker 1: the way from a h the low four hundreds and
14:58
Speaker 1: got him all the way up towards seven nine the
15:00
Speaker 1: seven and he closed his middle school was a second
15:03
Speaker 1: nineties seven. And he closed on the home that he
15:05
Speaker 1: got last year, right at this time last year. So
15:09
Speaker 1: and he posted a video on Instagram and on his
15:13
Speaker 1: showing all of his clients the new house, and who
15:17
Speaker 1: was responsible for making it happen for him. And so
15:21
Speaker 1: that is viceless when it comes to the celebrity clients
15:26
Speaker 1: and the regular clients that we did with, because we
15:28
Speaker 1: are assisting them not just simply and cleaning up their credit,
15:31
Speaker 1: but changing their lives so his children will grow up
15:35
Speaker 1: in that house. Right, So ownership, ownership, ownership versus lease
15:40
Speaker 1: versus rent. It's a powerful, powerful stupid let's talk about this.
15:45
Speaker 1: And when you're talking about cleaning up, because see a
15:48
Speaker 1: lot of people want everything to happen real quick. There's
15:51
Speaker 1: a journey to this process. You don't clean up credit overnight,
15:54
Speaker 1: even though they're running commercials right now. You get there. Look,
15:57
Speaker 1: my credits dropped. We went out fifteen launch as soon
16:00
Speaker 1: as I signed on. And so let's talk about their journey.
16:04
Speaker 1: And that's also sitting down and being honest with a client,
16:07
Speaker 1: whether the celebrity or individuals, are hey, this is this
16:10
Speaker 1: is the path we have to go. There's no there's
16:12
Speaker 1: no cutting corners here. Yeah, So you have to like
16:16
Speaker 1: manage their expectations and so you don't get them so
16:20
Speaker 1: excited about boosting their scores up in the hundreds of
16:24
Speaker 1: points uh within just a matter of days or a
16:27
Speaker 1: matter of weeks. Um. Now, some people do reap the
16:31
Speaker 1: benefits of that and have their scores dramatically increased. But
16:36
Speaker 1: no two credit reports are identical. And it depends upon
16:40
Speaker 1: the issues and the items that are in that credit
16:42
Speaker 1: report that will determine how fast uh it takes to
16:46
Speaker 1: actually get everything out. But I say that disputing credit
16:50
Speaker 1: has to do with you picking a fight with your creditors.
16:53
Speaker 1: And you don't just simply pick a fight and throw in,
16:56
Speaker 1: go in and throw one punch and then jump out
16:59
Speaker 1: of the ring. Uh. If things don't go the way
17:01
Speaker 1: that you want them. You have to be committed to
17:04
Speaker 1: the fight. And so we are committed to the fight
17:06
Speaker 1: until and unless we get everything off of that credit report.
17:11
Speaker 1: The fight is not over with until everything has been removed.
17:15
Speaker 1: You're saying something the word everything off. Explain to me
17:20
Speaker 1: exactly what you mean when you say everything offer that
17:22
Speaker 1: credit report? Okay, When you say because you know, if
17:25
Speaker 1: you if you if you're not paying on a credit
17:27
Speaker 1: card and has let's say a thousand dollars worth of
17:30
Speaker 1: debt tied to into your slow paying or you stop paying,
17:33
Speaker 1: is that what you're saying getting that debt off of
17:36
Speaker 1: the report and making it a consolutely absolutely so, they
17:40
Speaker 1: are some real key elements to disputing credit Uh funny
17:45
Speaker 1: that you would mention a credit card. But for example,
17:48
Speaker 1: for a credit card, so if a person has an
17:50
Speaker 1: American Express card and has a thousand dollar balance that
17:55
Speaker 1: went to charge off, that credit card went to charge
17:58
Speaker 1: off status and it was the consumer old a thousand
18:01
Speaker 1: dollars on um and did not pay, then our job
18:06
Speaker 1: is not pusist simply um remove the late payments or
18:09
Speaker 1: anything else. The only option to get it out and
18:12
Speaker 1: to improve that client's credit report is to remove the
18:16
Speaker 1: entire trade line off the credit report, that entire credit card,
18:20
Speaker 1: so that if it was an American Express, we're out
18:23
Speaker 1: to remove the entire account of the American Express so
18:27
Speaker 1: that their score can go up. If we did not,
18:31
Speaker 1: and if we were not successful with that, then that
18:33
Speaker 1: remains a negative in the credit report, and it remains
18:37
Speaker 1: it stays there, holding the credit score down for seven
18:40
Speaker 1: years from the last date of activity. But when you
18:44
Speaker 1: challenge a credit card, a credit card can easily be
18:47
Speaker 1: removed off of a credit report because the law says
18:50
Speaker 1: that the creditor has to be able to prove that
18:54
Speaker 1: the accounts belonged to you and improving it. They have
18:57
Speaker 1: to produce all of the original documents, original signatures on
19:01
Speaker 1: the original applications and and the like. There are no
19:06
Speaker 1: original applications with the credit card application anymore. This age
19:10
Speaker 1: has electronic applications. And so because there are no aum
19:17
Speaker 1: original documents and original signatures when you apply for a
19:22
Speaker 1: credit card, it makes it extremely easy to get off
19:25
Speaker 1: of a credit report. And I have clients that will
19:28
Speaker 1: have an American Express for a thousand dollars that went
19:31
Speaker 1: into charge off status. And I have celebrity clients that
19:34
Speaker 1: have had American Express black cards that had seven figures
19:38
Speaker 1: in debt on them, and we were able to remove
19:41
Speaker 1: them off the exact same way. So it really doesn't
19:48
Speaker 1: matter what it is, it can come off of the
19:51
Speaker 1: credit report. Yeah, so I'll name a couple of them,
19:57
Speaker 1: a con who doesn't have uh the nature with us
20:01
Speaker 1: talking about it. We moved an American Express black card
20:04
Speaker 1: off them in the seven figures. So so when you
20:09
Speaker 1: have clients like that to come in because that's debt,
20:12
Speaker 1: that's that's amazing debt, and you know, and it's not
20:16
Speaker 1: something to joke about, because there's a problem here. There's
20:19
Speaker 1: a problem that the debt was allowed to be created
20:22
Speaker 1: at the level and sometimes you don't even know what
20:25
Speaker 1: what's tied to the actual expense. And so so then
20:29
Speaker 1: you got to go to the company and they reassure
20:31
Speaker 1: them that that debt's going to be paid. So when
20:34
Speaker 1: you sit down with a towent period, what is the
20:38
Speaker 1: number one thing that you tell them who's carrying that
20:40
Speaker 1: type of debt? What what do they have to stop
20:43
Speaker 1: doing immediately? James, Well, they need to understand that that
20:48
Speaker 1: um late payments have consequences. You can lose as much
20:53
Speaker 1: as uh seventy five points off of your credit score
20:56
Speaker 1: for just simply one late payment. And so there that
21:01
Speaker 1: if you're going to eventually get all of the things
21:04
Speaker 1: that you need to get from your credit, you're going
21:06
Speaker 1: to have to actually learn how to manage your credit
21:10
Speaker 1: and then managing it that means that I am paying
21:13
Speaker 1: everything on time, making all on time payments, and never
21:18
Speaker 1: uh messing up my credit any longer. And so um
21:23
Speaker 1: Acon isn't a really good example because he has probably
21:28
Speaker 1: about sixteen different homes and in his credit report, and
21:31
Speaker 1: he had a series of late payments that were in them,
21:34
Speaker 1: and so we had to address all of the late
21:36
Speaker 1: payments and pull all of the late payments out of
21:38
Speaker 1: the credit reports and to get off everything else that
21:41
Speaker 1: was negative. But I am proud to say that in
21:44
Speaker 1: the last he was my client about two and a
21:48
Speaker 1: half years ago and he has maintained his score and
21:51
Speaker 1: has never gone back to actually making anything late, uh,
21:55
Speaker 1: and any additional late payments or anything negative. And so
21:59
Speaker 1: I've think that says more than anything else about the
22:03
Speaker 1: kind of service that you're offering. If you're able to
22:06
Speaker 1: educate your clients and your plans do not make the
22:08
Speaker 1: same mistakes that they would make it prior to meet you.
22:12
Speaker 1: Now that we have a question here that I wanted
22:14
Speaker 1: to get out there, you said having good credit is
22:16
Speaker 1: something that you have control over. What it requires financial
22:20
Speaker 1: education and discipline. I guess you kind of win in
22:23
Speaker 1: that area a little bit with a con. It really
22:25
Speaker 1: is about discipline. Is about when you say education, what
22:29
Speaker 1: do you mean when you say financial education? So understanding
22:33
Speaker 1: how credit works, and so many of our people are
22:37
Speaker 1: not like really educated with how credit works and think
22:40
Speaker 1: that they can actually, well, if I don't make this payment,
22:43
Speaker 1: and I don't if I skip this one, I can
22:45
Speaker 1: skip this one and pay only pay this one and
22:48
Speaker 1: don't are not aware of what the consequences of that is.
22:52
Speaker 1: And so you have to like sit down and educate
22:54
Speaker 1: them that this is what's going on in your credit report.
22:57
Speaker 1: These are the mistakes that you're making, and these mistakes
23:01
Speaker 1: cannot last. We're gonna help assist you with cleaning up
23:04
Speaker 1: these mistakes, but we cannot continue this kind of behavior.
23:08
Speaker 1: We have to break the cycle of what has called
23:11
Speaker 1: you to get to this point and has called your
23:13
Speaker 1: credit report to go into the poor credit category or
23:17
Speaker 1: the fair credit category. And so we're raising your score
23:20
Speaker 1: and addressing the issues, but we don't want to be
23:23
Speaker 1: addressing this issue again six months or a year from now.
23:26
Speaker 1: We want to actually educate you so that you never
23:29
Speaker 1: find yourself in this position again. I'll tell you what, James,
23:33
Speaker 1: You're amazing from a standpoint of understand you're changing lives.
23:37
Speaker 1: We well, you know, bring up the celebrities, but it's
23:39
Speaker 1: just the individual the thousands of regular people I call
23:42
Speaker 1: regular people who are just doing far their all week
23:44
Speaker 1: jobs out there getting their life back and getting them
23:47
Speaker 1: at a point where they can they're interest rate on
23:50
Speaker 1: their cars, on their homes, on their are things that
23:52
Speaker 1: they can purchase the lord and is reasonable because with
23:55
Speaker 1: a lot of people understands that your goal is not
23:57
Speaker 1: to pay monthly. Your goal is to pay off because
24:01
Speaker 1: that monthly payment is what can carre you to endless debt.
24:05
Speaker 1: And James, before we get let everybody know how they
24:07
Speaker 1: can get in touch with you because your friend of
24:09
Speaker 1: the show, and I want to bring you back to
24:10
Speaker 1: the first quarter of next year because that's the time
24:12
Speaker 1: of the year. I think you need to talk to
24:13
Speaker 1: my listeners as well. Yes, sir, So they can reach
24:17
Speaker 1: me at zero for six um, or they can reach
24:23
Speaker 1: me out on Instagram at who is James Hunt, or
24:26
Speaker 1: they can reach me on our website at Celebrity Credit
24:30
Speaker 1: Google dot com. My man, I appreciate you coming on
24:34
Speaker 1: the show. This is money making conversations. Know that you're
24:36
Speaker 1: a friend of the family and keep doing what you're doing,
24:38
Speaker 1: and I keep notifying people that you're the person they
24:41
Speaker 1: need to be talking about if they want to get
24:43
Speaker 1: their credit right again. I want to make conversations the
24:46
Speaker 1: show for everyday people understand. The Secrets to Success is
24:50
Speaker 1: based on the information that you can get