Katherine Martín-Fisher introduces Matt Dillingham, who provides an overview of A One Solutions Group and its focus on credit education. Matt shares his journey, emphasizing the significance of personal credit and how it can be improved. The conversation delves into understanding credit scores and their impact on securing business loans, while dispelling common misconceptions. Matt outlines the steps in starting and continuing the credit repair process with his service, highlighting the benefits for clients. The episode concludes with a discussion on empowering clients, details on how to contact Matt, and a teaser for the next episode.
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Episode Transcript
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(00:02):
I am Catherine Martin Fisher, and I helpbusiness owners who have lost their vision
because they're struggling with cash flow,sales, marketing, which also affects their
company culture by showing them to implementproven systems that increase their revenue by
30% in ninety days.
And this allowing them to reignite the passionand that big dream that they started with.
(00:28):
So the reason that I started this podcast wasto celebrate businesses who have overcome
adversity and have come out on the other sideof it.
And I want you to know that you are not alone.
Good afternoon.
This is Catherine, your host with the BeyondBusiness Podcast.
And I am excited to introduce you to MattDillingham.
(00:51):
He is the COO of a one solutions group.
Matt, thank you so much for being with us heretoday.
Welcome.
Welcome.
Thank you for having me on.
I appreciate it.
Looking forward to it.
So, Matt, so you are the COO of a one solutionsgroup.
And tell us a little bit about a one solutionsgroup.
What do you do, and how do you serve the world?
(01:13):
So what we are is is, credit restoration andfinance literacy, but really what I do is
truly, is educating people on credit and whatit is because it's not taught.
Fond du literacy is not taught.
And if you're like most people like me, devicewhat I was told or taught about credit is that
credit cards are evil, throw that throw itaway, lock it up, which is terrible advice
(01:37):
because if and if we get in this today, creditcards are 30% of your credit score.
So when you're told to not use it, you'redenying yourself 30% of your score.
Again, educating people on how or how toleverage it as a tool that it is.
It's not nothing evil.
Credit's old.
It's over 10,000 years old.
So again, more education, right?
There's a personal credit period we we helppeople out with.
(01:59):
There's business credit.
We can also help business owners get get,access to funding that they need, large credit,
term loans, short term loans.
In addition to that as well, I have twocertifications.
I am, certified to teach financial literacy.
And with that, I put together my own virtualfinancial literacy course for children ages 10
and up.
And then I'm also a certified life coach.
(02:21):
I got that through Magnetic Money.
And I say this because at at the end of theday, and this is the truth, there's, this is
the dark side to credit repair is that a lot ofpeople do get their credit fixed.
A lot of people let it slide right back towhere it was this house or whatever, whatever
it is.
Why is that?
Well, you have a lot of beliefs about moneythat don't serve you, traumas and things that
(02:44):
are working against you that, yeah, if you getto this magical credit score, it's great, but
you have reasons to believe to say this isn'tbad.
I mean, that says that, look, having this greatfriend and all else money is not a good thing.
We get rid of it because this is what webelieve to keep you safe and then that's what
happens.
Right?
So long story short, answer your question,serving people to empower them financially
(03:06):
while removing the beliefs and shifting themindsets.
That way, they can have the the life they wantwith money, experience of abundance that they
want, and just live a life that they love.
So tell me how you wound up deciding that thiswas something that you were gonna utilize to
(03:26):
serve others with.
Here's what I tell people.
You don't choose credit repair.
It chooses you because no one knows it existsbecause no one talks about credit.
Like when you were growing up and anyone you'vedone, your kids, everybody who in the world
says, you know what?
One day I want to help people fix their credit.
Nobody says that because it can, it's nottaught.
(03:47):
And so I got into it, because, one, I jacked upmy own credit because I had the belief that
it's evil.
It's just it it's designed to keep you as afinancial slave.
And I thought, I'll just be successful, pay foreverything in cash.
That didn't work out that well.
So I ended up finding out, I got involved withit back in 2013.
(04:10):
I was 27 years old when I had declaredbankruptcy, which is that was fun.
Got involved with it then, but then from 2013to about 2019, it ended up being like an on and
off again relationship where I got involvedfirst time, didn't know what I was doing.
I didn't know how to network or have anyresources at now, so I stopped.
(04:31):
Got back involved with GIM in 2017 in 2016where I was, brokering out small business loans
and the number one complaint I I heard was, Idon't want a high rate merchant cash advance.
This this is too expensive.
So I would naturally ask, well, what's yourcredit score?
And they would say without fail, it's a low sixor a five.
(04:51):
And I'm thinking, well, what do you expect toget with such a low credit score?
The banks won't even look at you.
You need to raise it.
So what I did at the time was I was in Phillywith a different credit card company and I
refer to the business.
I'm gonna talk to the business owner and say,look, we can get you term loan, but you need to
get your credit work done.
And this company can help you with yourpersonal credit and build your business credit.
(05:13):
That way that gets worked on.
Then we can come back and apply and actuallyhave a better chance of getting approved.
Went on for a little bit and about almost ayear, but then I stopped again because I didn't
know how to network, generate my leads, talk,know when I talked to loan officers, realtors,
and ask and ask for referrals.
Say, hey.
Who do you know that that needs help to credit?
(05:34):
All that stuff stopped.
So then in 2019, moving to Winchester,basically having much going on, no job, bad
credit, no car with a new relationship and allthat stuff, to, getting back into business
funding again.
And this time, I was cold calling banks locallyhere in Virginia and back home in Maryland in
(05:57):
Gaithersburg, which, you know, Gaithersburg isa great place to be.
Right?
So this one lady, I called her, I think it washer, Amanda, at this one bank, and she was
like, hey.
I like what you're about.
Can you come meet me in person?
So my girlfriend, who's been super supportive.
Let me take her car drive an hour and a half tothis meeting to meet this lady.
(06:19):
And she gave me a card of a guy.
She said, Hey, this guy can help people fixcredit.
And I was like, perfect, because I can use morepeople like that in my tool belt.
And that if someone needs a credit fix, I cansend it to him and hopefully get like a
referral fee out of it.
So I called him, we ended up talking,connecting and talked a lot of things, a lot of
things at the time.
I was going with the government credit that weneeded in trying to get people to him till one
(06:43):
day, or I have to send a book.
So one day I realized I was like, I have noloans closing.
I have like $30 to my name.
I have no job.
My cell phone bill's due.
I need to make a change.
Like, I need to do something.
And I'm like, what do I do?
And I had done done this before where I waslike, you know what?
I'll call people up that I that I know that arein business, and I joke and I say, I'll be the
(07:07):
sales process.
Use me for the time being.
I get some way, and then I'm done.
Right?
So the person getting to mind was was, the manof the biscuit card, Mike Michael Perez.
And I was like before I made the call, I waslike, I fault to god he needs to call.
Because if not, I don't know what I'm gonna do.
So I called him and I say, hey.
Look.
(07:27):
Because at this point, we would have beentalking, trying to set up a business, and I was
like, do you need help closing leads?
I will do that.
And why the luck of everything, universe,stars, God, astrology, I don't care.
He was like, yeah.
I do.
And from there, it was history and then, endedup getting becoming, part owner of the one of
(07:48):
the main one of the managing parts of thecompany in 2020 because I proved myself he had
some health issues in the hospitals, a coma,all this stuff.
And that's how I got into that today.
Quite a journey.
So yeah.
Quite a journey.
Wow.
So what you do is you at the the pain pointsthat people who come to you have are people who
(08:13):
need personal help with their credit, but alsobusiness.
Right?
So this is the Beyond Business Podcast.
And here's the thing that happens in ourindustry.
You start out with a dream in your heart.
So small business owner, you're, you know,you're a start up, you're starting out and at
it, and you've got a dream that you know isgonna work.
(08:34):
And so now you're in business and it's allgoing well.
And as you're starting to expand and you'regrowing, you'll come in, you you literally
quickly go into overwhelm.
You you suffer from cash flow, sales,marketing, which also affects your company
culture.
And so when that happens, how do you help asmall business owner be able to do to take the
(08:57):
steps in what in which to get funding or to beable to repair?
What what are things that our audience wouldneed to know of how to actually have the right
funding?
What I mean, what do they consider a goodcredit score?
They may not even know what that is.
So let's let's start there.
What do you consider to be a good credit score?
(09:17):
What do you need to look at in order to beprepared to go get funding as a small business
owner?
So as far as what's considered a good creditscore, I've seen it when they and I say this,
they as low as the 690, generally speaking, 700or above.
I mean, that's just for, like, good, if notexcellent.
Excellent.
Is that, like, 740, 7 50, something like that?
(09:41):
So let me start here.
So if you're a small business owner and youwant your credit worked on and you're trying to
get better refund.
Right?
And you may not even have bad credit, but youdon't even know what that looks like for you.
Looks like.
Yeah.
And then it's it's the same to
you.
Business.
Yeah.
You you probably starting with none.
Like, your business has no credit.
Right?
Right.
You gotta start with the personal becausethat's the foundation for everything.
(10:04):
And here's the thing.
Even if you are in business, you would havesome business credit and you're wondering why
your personal credit is being is being lookedat because, one, the economy as is and it's
just the rules of the banks is off.
The way they look at it is your personal creditare the parents, your business credit is a
child.
So imagine being a banker.
You're sitting there one day and this kid comesin.
Kid let's say the kid's like 14 years old andsaid, hey, I got a business and gives you and
(10:26):
it's legally set up.
It's cash flowing.
You can see what you wanna do, what, $20 amonth, all that stuff.
And you're like, wow.
How are you doing this?
And then a kid goes, can I get a loan?
That figure's gonna be like, well, first off,you're 14.
I ain't off your parents, right?
That's what it's like comes to your credit andyour business credit and your personal credit.
Your business credit is new.
(10:47):
It's probably not age as well.
Your personal credit has way more telling.
It's more age, it's age, it's season, it's gota history.
They're gonna look at that and go, what haveyou done personally with everyone else even
though the business didn't pay for it?
Right?
So you need your personal credit in order, andit's and it's it's it's as simple as you can do
it one of two ways.
One, you can get a free report fromannualcreditreport.com.
(11:09):
You can get a free report once a week now.
They made it permanent because they made thechanges during, the pandemic.
Or two, what I recommend, you can use creditmonitoring.
The one that I recommend is myScoreIQ becausethat gives you a FICO score.
Let me back up on that.
The reason why the reason why you wanna know aFICO score is because when people use Credit
Karma, which is trash, that gives you a Vantagecredit score.
(11:33):
Vantage credit scores tend to be about 50points higher or more than your FICO scores.
And number two, Vantage credit scores are onlyused by 10% of companies in The United States.
FICO is used by 90.
So you wanna speak the same language.
Okay?
So that's why.
And so when you'll get that, you'll get you'llgive you all three reports.
You see your FICO scores and all three scoresfor the industries because all students do as
(11:56):
well.
When you would apply for a business loan,credit card, car loan, mortgage, apartment,
everyone's using a different FICO scoringmodel, which is why with what you see in your,
on your credit monitoring, whether your bankgives it to you or whoever you use, that score
you see is your consumer score.
And also what's jacked up is that if your bankgives it to you, I think it's with them,
(12:18):
there's a fine print that'll say this is anunweighted score or this score is only used for
educational purposes.
They don't tell you that.
Yeah.
Which is they get to pull their own report.
So yeah.
So that's why.
So just know that when you go to apply,elsewhere, there is gonna be discrepancy
between what you see, what they're gonna see,and also depending on what bureau they pull and
what information is on that bureau.
(12:39):
Okay?
So you wanna start there and look at what's inyour personal information, how many are
required you have, your accounts, what'saccurate, what's not, look at public record
that, that contains bankruptcies, judgments.
You need to want to look at all that becauseyour credit report is not just your score and
the account, that's only a fourth of it.
They're seeing all four tiers.
(12:59):
You need to look at it at all three bureausbecause one, the bureaus do not talk to each
other.
They're all probably owned.
And two, because of that, and that not everyoneis a member of every bureau.
So one person may report to one, one person mayor may report to two, one creditor may report
to three.
So that's why we look at your credit report forall three, there's different information on
(13:20):
there.
So that's, we have to start to understand wheream I at in relationship where I want to go.
And then from there you can look at what'saccurate, what's old, what's outdated, what's
erroneous, what can you dispute, all all thatstuff and and looking at it and saying, okay,
you want to start there, getting late payments,collections, charge offs, dispute those.
(13:41):
Get that in order first, build that up.
You can start building business credit bygetting some vendor trade lines, getting that
number with Dun and Bradstreet, But you'regoing to wanna get the personal because I can
tell you this I can tell you this right now.
True story.
This is two years ago.
Yeah.
Two years ago, we had two different clients.
This is like the perfect real life example of,like, an a and b experiment.
(14:02):
Okay?
We had two different clients, both going for abusiness loan.
Client a was out in Washington state.
They had a credit score over 700 and thebusiness was doing a hundred thousand a month,
no business credit, client a.
Client b was out in Hawaii.
They had a great credit score.
The business was doing about $6,570,000 amonth, but they had good business credit.
(14:22):
And then through the same lender, client a onlygot approved for 50,000 even though they're
doing more.
Client b got approved for $250,000 You're gonnado less.
And that's because
Yeah.
Good track record.
Yeah.
Good per good personal and business.
So when you have both and they look good, youhave way more option.
(14:42):
And the lenders like that.
They wanna see that.
They wanna see, hey, I could trust you withthis because you have a track record.
It's seasoned.
It's mature.
That that's why it's called credit history, notjust a score.
So that's a long answer to your question.
Because because there's a lot to rule now.
So yeah.
Well, one of the things I wanted you to do wasgive me an example.
So thank you for giving me that example.
Great.
I I preempted your objection.
(15:04):
It's great.
I well, Jedi Martin Tree.
So give you an example of something that, youknow, one of I I just love this question.
What would you say that most people come to youdon't know that they don't know?
Again, but people when people think of credit,they didn't think of, again, their score in
their accounts.
And I'm like, yo, that's only a fourth ofwhat's on there.
(15:27):
You know, very rarely do I have people tell mehow many hard inquiries they have because those
are important.
I just look at your hard inquiries.
They they they look to see how many timesyou've applied, have you been to a competitor,
how many hard inquiries you have versus versus,in relation to open accounts.
If you have more hard inquiries than openaccounts, red flag.
Some place will be like, oh, wait.
You applied to a payday loan?
(15:48):
Red flag.
I had one client oh, they become a client.
I had one lady who, should become a client.
She had she made the mistake of cosigning don'tever cosign cosigning for four or five
different car loans.
So on Experian alone, she had over a a 14 hardinquiries on Experian.
You have that many, you come off as desperateand hungry, companies don't like that.
(16:10):
The other thing people don't know is that yourpersonal information is very important.
So your personal information on your creditreport contains your name, aliases, variations
of it, birth date, phone number, your socialsome people are the one social.
It's happened to a client of mine.
Current address, old addresses and employeesyou worked at.
You want to look at this because when it comesto anything in this section that's all outdated
(16:31):
and erroneous or attached to negative items onyour file Mhmm.
If you have to dispute.
So for example, say you're disputing acollection account because that happened years
ago, the bureaus will look at the collectionaccount that you're disputing and they'll look
to see what name and address is in the, in thepersonal information section is attached to
that.
And they'll come back and say, hey.
This is yours.
It's verified.
(16:52):
Two problems.
One, how did they know it was you beyond ashadow of a doubt?
Two, I have clients who look at this section,myself included.
They've had their names misspelled.
My name's been misspelled.
I have one client who was listed as a statehighway for his name.
Debt serious.
Another client, I have clients who look at thissection.
They've had addresses on their credit reportthat they never lived at.
Okay?
Again, some people have had more than thesocial.
(17:13):
It's very common if you're a junior or senior,you get someone else's stuff.
And then section is important because, also, ifyou never update it, you can I've seen people
have a whole bunch of different variations oftheir name, old addresses.
So so, again, your report gets pulled,someone's looking at it, and you're telling
people, oh, my my name is Matt Dillingham, butyou got Matt Smith Dillingham and always their
names, addresses.
It makes you look shady at best or fraudulent.
(17:35):
And it does have an impact on what what you canget because the other thing too is since
everything is now automated, online, and prooffor something, the algorithm then has to go
through every single possible combination ofwho you are.
Whereas back in the day, you could have it onthere, but if you're gonna meet someone person,
you're you didn't matter because at that point,you would provide them with your official
documents, your ID, taxes, whatever to show,hey, I am Catherine Martin or whatever your
(17:59):
name is.
Right?
And this is what makes, you know, fraud kinda,easy nowadays.
And so just a section alone has so much to it.
Oh, here's the bonus point.
If you update this section, my colleagues andcredit bureaus, get your report and say, I want
and the way you update it, the way you updateis that you have one name, which lists on your
social security card, one phone number, noother aliases, one credit address, make sure
(18:24):
you have one social, no old addresses, oneemployer, make sure they're clean.
And when you do that, that can actually helpboost your, credit scores anywhere between 20
to 70 points by itself.
Very After
the big client's done, it happens.
So let's say somebody comes, they're they'recoming to you for help.
(18:46):
They wanna repair.
They you know, they're going to buy a house,let's say.
And then they're gonna come and they wanteverything fixed and they want your help.
How do you where do you start?
How do they start with you?
Going over the credit report, looking at it.
And it's a first
like that.
Because otherwise, I don't know what's goingon.
So it's looking at all three bureaus, goingover them personal information, the hard
(19:08):
inquiries, their account.
Personal report card right there.
Yeah.
And saying, like, what what is yours?
What don't you recognize?
Telling them don't touch these accounts, cangenerate these accounts.
And then going back to your questionbeforehand, what people don't know, a lot of
people still don't know that like collectionand charge offs and repos on all these
derogatory accounts, paying those, one, doesnot help your credit score.
(19:31):
Two, you don't pay those because legally youdon't owe them.
There's rules and laws around all that, likethe collections.
Right?
That debt collector bought the account, meaningyour account, from a creditor who pays in a
dollar.
So if your account was, like, $4, they didn'tspend $4 to come after you to get $4.
They bought it for, like, let's say, like, ahundred bucks.
(19:52):
It's a huge profit margin.
Then they come to you and say and they get youon the phone to get to get you to verify this
information.
Why?
And they always say this call is reported.
Why?
So remember, they remember what I said.
They bought the account.
They don't have to sign a contract that yousigned with the creditor.
So it gets you to admit to it on record.
That way, you say, screw you guys.
(20:12):
I'm not paying you.
And they can tell they do on research to see tosee to see to see who they could sue or
whatnot.
That way they can go, they can take you tocourt and say, your honor, we have to, we have
to defend the record admitting that this istheir debt.
Also by law, they're supposed to prove to youthat it's your debt by the Fair Debt Collection
(20:32):
Practices Act.
It's not a joke.
It's a real thing.
And these are violations that they get awaywith, but people don't know about it.
So they hang on something thinking that I'mdoing a good thing.
When it doesn't, you say, yeah, your debt goesaway, but you damage your credit because two
things.
One, it gets when a collection or charge off orderogatory account is placed on your credit
report, the clock starts.
(20:54):
It stays on for seven years.
This is different from statute of limitations.
It stays on for seven years.
That's why we don't do anything.
And when you're like, hey.
I'm a pay this and it's been on for six years,unless it's a collection account, the
collection then gets updated, updated, updatedto being a paid collection, then the clock can
start all over again and stay on, stay onbasely for seven years again, at that point.
(21:16):
Then what happens is your credit report getspulled and people are looking at it and they're
looking at looking at your report.
You've got to always pay collections and settlecharge offs and they think they're thinking, so
you didn't want to pay it one back until youdefaulted.
Yeah.
No.
Or they're like, or or they go, which are inthe sole interest, it's you can't go anywhere.
You have no one to go to.
(21:36):
Okay?
And so the other thing too is as you're tryingto rebuild credit and add new credit to your
name, that weighs your score down.
What that means is if a new credit card isgonna post your account, and let's say that new
credit card is supposed to give you a hundredpoints, we have these collection charge of us
being paid or unpaid, instead of instead ofgetting a hundred points, you may even get,
like, 50.
People don't know that.
(21:56):
And then they wonder why, like, why I paid it?
Why didn't it go away?
Well, here's a tip.
If you're going to pay a collection charge off,you want to negotiate what's called a pay for
deletion, meaning you negotiate an amount andyou say, Hey, if I pay X amount, we do lead off
my credit report.
That's what hell.
And before and if they agree to it, before youmake a payment, you get it in writing.
Because you make a payment, they'd be like, Igot your money.
(22:17):
I have you have no recourse.
So it's a screwed up game, but this is how youplay it.
And that's what people don't know.
Not to the other question, but there's a lot.
So let's say somebody does do that.
And because they get the phone call and theydon't know.
Right?
And they didn't talk to you.
And then and when you do that, are you able toyourself on the back end or pay somebody like
(22:40):
you, you know, to to take care of that?
Yeah.
So if they make a payment something, it'salready done.
I'm like, that's cool because even after it'sit it's paid and it's done, we can still you
can still get deleted anyway.
We've done that, so it's not a big deal.
I tell people, hey, here's what it is.
Once it's updated, because we do providelifetime protection and maintenance on
someone's credit because it follows you forlife.
So I'm like, hey, once it's updated, we'll seeit.
(23:03):
Then we can dispute it after that.
Until that point, there's no point in fightingit because what happens is you made it you're
meaning to pay something.
They're reporting to Duros.
They won't dispute it.
It's like it it can backfire and it and thenyou don't wanna do that.
So it's like you did what you did.
It is what it is.
It's just move on.
We'll come back to it later.
So, Matt, why would somebody come to viewversus anywhere else?
(23:27):
Or just try
Because I'm incredibly handsome.
I've I have great humor, and we're awesome.
Let's just admit that.
No.
No.
In all honesty, why why you?
And, you know, because a lot of times people,oh, well, I can take care of this myself.
Why People no idea.
Yeah.
Yeah.
Yeah.
Okay.
So, I mean, you can I'm not gonna if someonewants to do it themselves, by all means you
(23:49):
can.
You need to understand that you need to learnthis, one, learn how credit works.
Two, take the time to look at your own creditand understand what needs to come off of what
you need.
Three, earn a tax and strategies that you needto learn to get deletions and also what the
bureaus are gonna do to you because they'llthey'll play stalled tactics on you too as
well.
And you need to take your time, effort, energyto learn it because you got you gotta stay on
(24:12):
top of it.
You you set out your disputes.
You gotta wait through the days, look at those,send them out.
And then on top of your daily life, a lot ofpeople we look at people who did themselves,
they're like, it's too much work.
You do it
for me.
Right.
So if you wanna do it yourself, by all means,do it.
Just learn it so you can get to where you'regonna be, then you'll be appreciated more.
With us, that's a good question.
(24:33):
One, it saves you time and energy.
I'll tell you, look.
Here's here's how we can, dare I say, fasttrack it, but here's the way we can do it.
Take the take take this out of your hands.
Here are the things you need to do.
It gives you a shortcut.
Tell you tells you I'll give you clarity.
Saves you time and, and energy on this three.
We, like I said before, we'll give you lifetimeprotection on your credit because a lot of
(24:53):
companies, what they'll do is they'll bill youmonthly to infinity with us.
Once we, everything, everything that happens isa one time fee.
Once that's paid is paid.
So long as you say, let's say with us, say withus as a client, should anything else happen to
your credit, be it six months, a year, or threeyears down the line, we'll be there to take
care of it and you won't pay anything in yourpocket.
You're good to go.
(25:14):
And on top of that too as well, I understandwhat it's like to live with this bad credit and
if you'll judge in the embarrassment and thepain of it and how it can just weigh you down.
I understand that.
I'm I'm very con very understanding of that.
And I'm almost left though so we can orderthrough deeper stuff to help you get past that
and not not have you tie what you see as yourword and as to this three digit number, only
(25:36):
that control you.
You're in control of it, not the other wayaround.
And so you have to be, you know, originallyempowered in that in that and in other areas of
your life as well.
So you actually, you're you're act
Yes.
So you're giving them you're giving them theroadmap in which able to get to the place of
(25:58):
having empowerment so that they have theconfidence to move forward and be able to make
the the decisions, you know, with theirfinances and their home, whether it'd be
purchasing a home, helping them in theirbusiness.
So I love that.
That's beautiful.
Yep.
That's what I do.
We we all need a road map.
Right?
Yep.
(26:19):
So, Matt, I just wanna thank you so much foryour time and for all of this information.
How does our audience find you?
How do they do business with you?
Simple.
They can go to our website.
It'sbww.a,thenumberone,numberone,solutiongroup.com.
They can go there and fill out forms that saysthey want.
Like, I'd like more information or excuse me,if they want you to book a call with me
(26:43):
directly, they can also go tospeakwithmath.info.
Again, speakwithmath.info.
No need to put any the the triple w.
If you want more, just speakwithmath.info.
That'll take you right to my calendar, pick atime, In a Zoom call, we can chat and, you
know, see what's going on and and say, hey,here's how we can help you achieve your, credit
goals and and more.
(27:04):
I love it.
Thank you so much.
You know, again, I'm just grateful that youwere able to help our audience to just, you
know, find out some more information on howthey can be helped because everybody has a
different idea of what good and bad credit is.
Right?
And so look Matt up.
And, Matt, say that website one more time.
(27:25):
So it's, aone, thenumberone,a1solutionsgroup.com.
Well, thank you again, Matt.
We've just really enjoyed our conversationtoday.
And again, this is Catherine, your host withthe Beyond Business Podcast.
Thank you so much for listening with us today.
(27:45):
Well, if you made it to this point, then youmade it to the end, and you are my star.
And I just wanna thank you from the bottom ofmy heart.
I hope that you enjoyed the conversation withtoday's guest.
And if you did, please leave us a review onApple Podcasts and Spotify, and share this
episode with others who may be interested inthis topic.
(28:06):
Also, please feel free to let us know whattopics you'd like to see covered in future
episodes.
Get in touch in the comments or in RocketGrowth social media platforms.
To have conversations with me, my booking linkis in the comments.
See you next week for all for a all newepisode.
I am Catherine Martin Fisher, and I helpbusiness owners who have lost their vision
because they're struggling with cash flow,sales, marketing, which also affects their
company culture by showing them to implementproven systems that increase their revenue by
30% in ninety days.
And this allowing them to reignite the passionand that big dream that they started with.
(00:28):
So the reason that I started this podcast wasto celebrate businesses who have overcome
adversity and have come out on the other sideof it.
And I want you to know that you are not alone.
Good afternoon.
This is Catherine, your host with the BeyondBusiness Podcast.
And I am excited to introduce you to MattDillingham.
(00:51):
He is the COO of a one solutions group.
Matt, thank you so much for being with us heretoday.
Welcome.
Welcome.
Thank you for having me on.
I appreciate it.
Looking forward to it.
So, Matt, so you are the COO of a one solutionsgroup.
And tell us a little bit about a one solutionsgroup.
What do you do, and how do you serve the world?
(01:13):
So what we are is is, credit restoration andfinance literacy, but really what I do is
truly, is educating people on credit and whatit is because it's not taught.
Fond du literacy is not taught.
And if you're like most people like me, devicewhat I was told or taught about credit is that
credit cards are evil, throw that throw itaway, lock it up, which is terrible advice
(01:37):
because if and if we get in this today, creditcards are 30% of your credit score.
So when you're told to not use it, you'redenying yourself 30% of your score.
Again, educating people on how or how toleverage it as a tool that it is.
It's not nothing evil.
Credit's old.
It's over 10,000 years old.
So again, more education, right?
There's a personal credit period we we helppeople out with.
(01:59):
There's business credit.
We can also help business owners get get,access to funding that they need, large credit,
term loans, short term loans.
In addition to that as well, I have twocertifications.
I am, certified to teach financial literacy.
And with that, I put together my own virtualfinancial literacy course for children ages 10
and up.
And then I'm also a certified life coach.
(02:21):
I got that through Magnetic Money.
And I say this because at at the end of theday, and this is the truth, there's, this is
the dark side to credit repair is that a lot ofpeople do get their credit fixed.
A lot of people let it slide right back towhere it was this house or whatever, whatever
it is.
Why is that?
Well, you have a lot of beliefs about moneythat don't serve you, traumas and things that
(02:44):
are working against you that, yeah, if you getto this magical credit score, it's great, but
you have reasons to believe to say this isn'tbad.
I mean, that says that, look, having this greatfriend and all else money is not a good thing.
We get rid of it because this is what webelieve to keep you safe and then that's what
happens.
Right?
So long story short, answer your question,serving people to empower them financially
(03:06):
while removing the beliefs and shifting themindsets.
That way, they can have the the life they wantwith money, experience of abundance that they
want, and just live a life that they love.
So tell me how you wound up deciding that thiswas something that you were gonna utilize to
(03:26):
serve others with.
Here's what I tell people.
You don't choose credit repair.
It chooses you because no one knows it existsbecause no one talks about credit.
Like when you were growing up and anyone you'vedone, your kids, everybody who in the world
says, you know what?
One day I want to help people fix their credit.
Nobody says that because it can, it's nottaught.
(03:47):
And so I got into it, because, one, I jacked upmy own credit because I had the belief that
it's evil.
It's just it it's designed to keep you as afinancial slave.
And I thought, I'll just be successful, pay foreverything in cash.
That didn't work out that well.
So I ended up finding out, I got involved withit back in 2013.
(04:10):
I was 27 years old when I had declaredbankruptcy, which is that was fun.
Got involved with it then, but then from 2013to about 2019, it ended up being like an on and
off again relationship where I got involvedfirst time, didn't know what I was doing.
I didn't know how to network or have anyresources at now, so I stopped.
(04:31):
Got back involved with GIM in 2017 in 2016where I was, brokering out small business loans
and the number one complaint I I heard was, Idon't want a high rate merchant cash advance.
This this is too expensive.
So I would naturally ask, well, what's yourcredit score?
And they would say without fail, it's a low sixor a five.
(04:51):
And I'm thinking, well, what do you expect toget with such a low credit score?
The banks won't even look at you.
You need to raise it.
So what I did at the time was I was in Phillywith a different credit card company and I
refer to the business.
I'm gonna talk to the business owner and say,look, we can get you term loan, but you need to
get your credit work done.
And this company can help you with yourpersonal credit and build your business credit.
(05:13):
That way that gets worked on.
Then we can come back and apply and actuallyhave a better chance of getting approved.
Went on for a little bit and about almost ayear, but then I stopped again because I didn't
know how to network, generate my leads, talk,know when I talked to loan officers, realtors,
and ask and ask for referrals.
Say, hey.
Who do you know that that needs help to credit?
(05:34):
All that stuff stopped.
So then in 2019, moving to Winchester,basically having much going on, no job, bad
credit, no car with a new relationship and allthat stuff, to, getting back into business
funding again.
And this time, I was cold calling banks locallyhere in Virginia and back home in Maryland in
(05:57):
Gaithersburg, which, you know, Gaithersburg isa great place to be.
Right?
So this one lady, I called her, I think it washer, Amanda, at this one bank, and she was
like, hey.
I like what you're about.
Can you come meet me in person?
So my girlfriend, who's been super supportive.
Let me take her car drive an hour and a half tothis meeting to meet this lady.
(06:19):
And she gave me a card of a guy.
She said, Hey, this guy can help people fixcredit.
And I was like, perfect, because I can use morepeople like that in my tool belt.
And that if someone needs a credit fix, I cansend it to him and hopefully get like a
referral fee out of it.
So I called him, we ended up talking,connecting and talked a lot of things, a lot of
things at the time.
I was going with the government credit that weneeded in trying to get people to him till one
(06:43):
day, or I have to send a book.
So one day I realized I was like, I have noloans closing.
I have like $30 to my name.
I have no job.
My cell phone bill's due.
I need to make a change.
Like, I need to do something.
And I'm like, what do I do?
And I had done done this before where I waslike, you know what?
I'll call people up that I that I know that arein business, and I joke and I say, I'll be the
(07:07):
sales process.
Use me for the time being.
I get some way, and then I'm done.
Right?
So the person getting to mind was was, the manof the biscuit card, Mike Michael Perez.
And I was like before I made the call, I waslike, I fault to god he needs to call.
Because if not, I don't know what I'm gonna do.
So I called him and I say, hey.
Look.
(07:27):
Because at this point, we would have beentalking, trying to set up a business, and I was
like, do you need help closing leads?
I will do that.
And why the luck of everything, universe,stars, God, astrology, I don't care.
He was like, yeah.
I do.
And from there, it was history and then, endedup getting becoming, part owner of the one of
(07:48):
the main one of the managing parts of thecompany in 2020 because I proved myself he had
some health issues in the hospitals, a coma,all this stuff.
And that's how I got into that today.
Quite a journey.
So yeah.
Quite a journey.
Wow.
So what you do is you at the the pain pointsthat people who come to you have are people who
(08:13):
need personal help with their credit, but alsobusiness.
Right?
So this is the Beyond Business Podcast.
And here's the thing that happens in ourindustry.
You start out with a dream in your heart.
So small business owner, you're, you know,you're a start up, you're starting out and at
it, and you've got a dream that you know isgonna work.
(08:34):
And so now you're in business and it's allgoing well.
And as you're starting to expand and you'regrowing, you'll come in, you you literally
quickly go into overwhelm.
You you suffer from cash flow, sales,marketing, which also affects your company
culture.
And so when that happens, how do you help asmall business owner be able to do to take the
(08:57):
steps in what in which to get funding or to beable to repair?
What what are things that our audience wouldneed to know of how to actually have the right
funding?
What I mean, what do they consider a goodcredit score?
They may not even know what that is.
So let's let's start there.
What do you consider to be a good credit score?
(09:17):
What do you need to look at in order to beprepared to go get funding as a small business
owner?
So as far as what's considered a good creditscore, I've seen it when they and I say this,
they as low as the 690, generally speaking, 700or above.
I mean, that's just for, like, good, if notexcellent.
Excellent.
Is that, like, 740, 7 50, something like that?
(09:41):
So let me start here.
So if you're a small business owner and youwant your credit worked on and you're trying to
get better refund.
Right?
And you may not even have bad credit, but youdon't even know what that looks like for you.
Looks like.
Yeah.
And then it's it's the same to
you.
Business.
Yeah.
You you probably starting with none.
Like, your business has no credit.
Right?
Right.
You gotta start with the personal becausethat's the foundation for everything.
(10:04):
And here's the thing.
Even if you are in business, you would havesome business credit and you're wondering why
your personal credit is being is being lookedat because, one, the economy as is and it's
just the rules of the banks is off.
The way they look at it is your personal creditare the parents, your business credit is a
child.
So imagine being a banker.
You're sitting there one day and this kid comesin.
Kid let's say the kid's like 14 years old andsaid, hey, I got a business and gives you and
(10:26):
it's legally set up.
It's cash flowing.
You can see what you wanna do, what, $20 amonth, all that stuff.
And you're like, wow.
How are you doing this?
And then a kid goes, can I get a loan?
That figure's gonna be like, well, first off,you're 14.
I ain't off your parents, right?
That's what it's like comes to your credit andyour business credit and your personal credit.
Your business credit is new.
(10:47):
It's probably not age as well.
Your personal credit has way more telling.
It's more age, it's age, it's season, it's gota history.
They're gonna look at that and go, what haveyou done personally with everyone else even
though the business didn't pay for it?
Right?
So you need your personal credit in order, andit's and it's it's it's as simple as you can do
it one of two ways.
One, you can get a free report fromannualcreditreport.com.
(11:09):
You can get a free report once a week now.
They made it permanent because they made thechanges during, the pandemic.
Or two, what I recommend, you can use creditmonitoring.
The one that I recommend is myScoreIQ becausethat gives you a FICO score.
Let me back up on that.
The reason why the reason why you wanna know aFICO score is because when people use Credit
Karma, which is trash, that gives you a Vantagecredit score.
(11:33):
Vantage credit scores tend to be about 50points higher or more than your FICO scores.
And number two, Vantage credit scores are onlyused by 10% of companies in The United States.
FICO is used by 90.
So you wanna speak the same language.
Okay?
So that's why.
And so when you'll get that, you'll get you'llgive you all three reports.
You see your FICO scores and all three scoresfor the industries because all students do as
(11:56):
well.
When you would apply for a business loan,credit card, car loan, mortgage, apartment,
everyone's using a different FICO scoringmodel, which is why with what you see in your,
on your credit monitoring, whether your bankgives it to you or whoever you use, that score
you see is your consumer score.
And also what's jacked up is that if your bankgives it to you, I think it's with them,
(12:18):
there's a fine print that'll say this is anunweighted score or this score is only used for
educational purposes.
They don't tell you that.
Yeah.
Which is they get to pull their own report.
So yeah.
So that's why.
So just know that when you go to apply,elsewhere, there is gonna be discrepancy
between what you see, what they're gonna see,and also depending on what bureau they pull and
what information is on that bureau.
(12:39):
Okay?
So you wanna start there and look at what's inyour personal information, how many are
required you have, your accounts, what'saccurate, what's not, look at public record
that, that contains bankruptcies, judgments.
You need to want to look at all that becauseyour credit report is not just your score and
the account, that's only a fourth of it.
They're seeing all four tiers.
(12:59):
You need to look at it at all three bureausbecause one, the bureaus do not talk to each
other.
They're all probably owned.
And two, because of that, and that not everyoneis a member of every bureau.
So one person may report to one, one person mayor may report to two, one creditor may report
to three.
So that's why we look at your credit report forall three, there's different information on
(13:20):
there.
So that's, we have to start to understand wheream I at in relationship where I want to go.
And then from there you can look at what'saccurate, what's old, what's outdated, what's
erroneous, what can you dispute, all all thatstuff and and looking at it and saying, okay,
you want to start there, getting late payments,collections, charge offs, dispute those.
(13:41):
Get that in order first, build that up.
You can start building business credit bygetting some vendor trade lines, getting that
number with Dun and Bradstreet, But you'regoing to wanna get the personal because I can
tell you this I can tell you this right now.
True story.
This is two years ago.
Yeah.
Two years ago, we had two different clients.
This is like the perfect real life example of,like, an a and b experiment.
(14:02):
Okay?
We had two different clients, both going for abusiness loan.
Client a was out in Washington state.
They had a credit score over 700 and thebusiness was doing a hundred thousand a month,
no business credit, client a.
Client b was out in Hawaii.
They had a great credit score.
The business was doing about $6,570,000 amonth, but they had good business credit.
(14:22):
And then through the same lender, client a onlygot approved for 50,000 even though they're
doing more.
Client b got approved for $250,000 You're gonnado less.
And that's because
Yeah.
Good track record.
Yeah.
Good per good personal and business.
So when you have both and they look good, youhave way more option.
(14:42):
And the lenders like that.
They wanna see that.
They wanna see, hey, I could trust you withthis because you have a track record.
It's seasoned.
It's mature.
That that's why it's called credit history, notjust a score.
So that's a long answer to your question.
Because because there's a lot to rule now.
So yeah.
Well, one of the things I wanted you to do wasgive me an example.
So thank you for giving me that example.
Great.
I I preempted your objection.
(15:04):
It's great.
I well, Jedi Martin Tree.
So give you an example of something that, youknow, one of I I just love this question.
What would you say that most people come to youdon't know that they don't know?
Again, but people when people think of credit,they didn't think of, again, their score in
their accounts.
And I'm like, yo, that's only a fourth ofwhat's on there.
(15:27):
You know, very rarely do I have people tell mehow many hard inquiries they have because those
are important.
I just look at your hard inquiries.
They they they look to see how many timesyou've applied, have you been to a competitor,
how many hard inquiries you have versus versus,in relation to open accounts.
If you have more hard inquiries than openaccounts, red flag.
Some place will be like, oh, wait.
You applied to a payday loan?
(15:48):
Red flag.
I had one client oh, they become a client.
I had one lady who, should become a client.
She had she made the mistake of cosigning don'tever cosign cosigning for four or five
different car loans.
So on Experian alone, she had over a a 14 hardinquiries on Experian.
You have that many, you come off as desperateand hungry, companies don't like that.
(16:10):
The other thing people don't know is that yourpersonal information is very important.
So your personal information on your creditreport contains your name, aliases, variations
of it, birth date, phone number, your socialsome people are the one social.
It's happened to a client of mine.
Current address, old addresses and employeesyou worked at.
You want to look at this because when it comesto anything in this section that's all outdated
(16:31):
and erroneous or attached to negative items onyour file Mhmm.
If you have to dispute.
So for example, say you're disputing acollection account because that happened years
ago, the bureaus will look at the collectionaccount that you're disputing and they'll look
to see what name and address is in the, in thepersonal information section is attached to
that.
And they'll come back and say, hey.
This is yours.
It's verified.
(16:52):
Two problems.
One, how did they know it was you beyond ashadow of a doubt?
Two, I have clients who look at this section,myself included.
They've had their names misspelled.
My name's been misspelled.
I have one client who was listed as a statehighway for his name.
Debt serious.
Another client, I have clients who look at thissection.
They've had addresses on their credit reportthat they never lived at.
Okay?
Again, some people have had more than thesocial.
(17:13):
It's very common if you're a junior or senior,you get someone else's stuff.
And then section is important because, also, ifyou never update it, you can I've seen people
have a whole bunch of different variations oftheir name, old addresses.
So so, again, your report gets pulled,someone's looking at it, and you're telling
people, oh, my my name is Matt Dillingham, butyou got Matt Smith Dillingham and always their
names, addresses.
It makes you look shady at best or fraudulent.
(17:35):
And it does have an impact on what what you canget because the other thing too is since
everything is now automated, online, and prooffor something, the algorithm then has to go
through every single possible combination ofwho you are.
Whereas back in the day, you could have it onthere, but if you're gonna meet someone person,
you're you didn't matter because at that point,you would provide them with your official
documents, your ID, taxes, whatever to show,hey, I am Catherine Martin or whatever your
(17:59):
name is.
Right?
And this is what makes, you know, fraud kinda,easy nowadays.
And so just a section alone has so much to it.
Oh, here's the bonus point.
If you update this section, my colleagues andcredit bureaus, get your report and say, I want
and the way you update it, the way you updateis that you have one name, which lists on your
social security card, one phone number, noother aliases, one credit address, make sure
(18:24):
you have one social, no old addresses, oneemployer, make sure they're clean.
And when you do that, that can actually helpboost your, credit scores anywhere between 20
to 70 points by itself.
Very After
the big client's done, it happens.
So let's say somebody comes, they're they'recoming to you for help.
(18:46):
They wanna repair.
They you know, they're going to buy a house,let's say.
And then they're gonna come and they wanteverything fixed and they want your help.
How do you where do you start?
How do they start with you?
Going over the credit report, looking at it.
And it's a first
like that.
Because otherwise, I don't know what's goingon.
So it's looking at all three bureaus, goingover them personal information, the hard
(19:08):
inquiries, their account.
Personal report card right there.
Yeah.
And saying, like, what what is yours?
What don't you recognize?
Telling them don't touch these accounts, cangenerate these accounts.
And then going back to your questionbeforehand, what people don't know, a lot of
people still don't know that like collectionand charge offs and repos on all these
derogatory accounts, paying those, one, doesnot help your credit score.
(19:31):
Two, you don't pay those because legally youdon't owe them.
There's rules and laws around all that, likethe collections.
Right?
That debt collector bought the account, meaningyour account, from a creditor who pays in a
dollar.
So if your account was, like, $4, they didn'tspend $4 to come after you to get $4.
They bought it for, like, let's say, like, ahundred bucks.
(19:52):
It's a huge profit margin.
Then they come to you and say and they get youon the phone to get to get you to verify this
information.
Why?
And they always say this call is reported.
Why?
So remember, they remember what I said.
They bought the account.
They don't have to sign a contract that yousigned with the creditor.
So it gets you to admit to it on record.
That way, you say, screw you guys.
(20:12):
I'm not paying you.
And they can tell they do on research to see tosee to see to see who they could sue or
whatnot.
That way they can go, they can take you tocourt and say, your honor, we have to, we have
to defend the record admitting that this istheir debt.
Also by law, they're supposed to prove to youthat it's your debt by the Fair Debt Collection
(20:32):
Practices Act.
It's not a joke.
It's a real thing.
And these are violations that they get awaywith, but people don't know about it.
So they hang on something thinking that I'mdoing a good thing.
When it doesn't, you say, yeah, your debt goesaway, but you damage your credit because two
things.
One, it gets when a collection or charge off orderogatory account is placed on your credit
report, the clock starts.
(20:54):
It stays on for seven years.
This is different from statute of limitations.
It stays on for seven years.
That's why we don't do anything.
And when you're like, hey.
I'm a pay this and it's been on for six years,unless it's a collection account, the
collection then gets updated, updated, updatedto being a paid collection, then the clock can
start all over again and stay on, stay onbasely for seven years again, at that point.
(21:16):
Then what happens is your credit report getspulled and people are looking at it and they're
looking at looking at your report.
You've got to always pay collections and settlecharge offs and they think they're thinking, so
you didn't want to pay it one back until youdefaulted.
Yeah.
No.
Or they're like, or or they go, which are inthe sole interest, it's you can't go anywhere.
You have no one to go to.
(21:36):
Okay?
And so the other thing too is as you're tryingto rebuild credit and add new credit to your
name, that weighs your score down.
What that means is if a new credit card isgonna post your account, and let's say that new
credit card is supposed to give you a hundredpoints, we have these collection charge of us
being paid or unpaid, instead of instead ofgetting a hundred points, you may even get,
like, 50.
People don't know that.
(21:56):
And then they wonder why, like, why I paid it?
Why didn't it go away?
Well, here's a tip.
If you're going to pay a collection charge off,you want to negotiate what's called a pay for
deletion, meaning you negotiate an amount andyou say, Hey, if I pay X amount, we do lead off
my credit report.
That's what hell.
And before and if they agree to it, before youmake a payment, you get it in writing.
Because you make a payment, they'd be like, Igot your money.
(22:17):
I have you have no recourse.
So it's a screwed up game, but this is how youplay it.
And that's what people don't know.
Not to the other question, but there's a lot.
So let's say somebody does do that.
And because they get the phone call and theydon't know.
Right?
And they didn't talk to you.
And then and when you do that, are you able toyourself on the back end or pay somebody like
(22:40):
you, you know, to to take care of that?
Yeah.
So if they make a payment something, it'salready done.
I'm like, that's cool because even after it'sit it's paid and it's done, we can still you
can still get deleted anyway.
We've done that, so it's not a big deal.
I tell people, hey, here's what it is.
Once it's updated, because we do providelifetime protection and maintenance on
someone's credit because it follows you forlife.
So I'm like, hey, once it's updated, we'll seeit.
(23:03):
Then we can dispute it after that.
Until that point, there's no point in fightingit because what happens is you made it you're
meaning to pay something.
They're reporting to Duros.
They won't dispute it.
It's like it it can backfire and it and thenyou don't wanna do that.
So it's like you did what you did.
It is what it is.
It's just move on.
We'll come back to it later.
So, Matt, why would somebody come to viewversus anywhere else?
(23:27):
Or just try
Because I'm incredibly handsome.
I've I have great humor, and we're awesome.
Let's just admit that.
No.
No.
In all honesty, why why you?
And, you know, because a lot of times people,oh, well, I can take care of this myself.
Why People no idea.
Yeah.
Yeah.
Yeah.
Okay.
So, I mean, you can I'm not gonna if someonewants to do it themselves, by all means you
(23:49):
can.
You need to understand that you need to learnthis, one, learn how credit works.
Two, take the time to look at your own creditand understand what needs to come off of what
you need.
Three, earn a tax and strategies that you needto learn to get deletions and also what the
bureaus are gonna do to you because they'llthey'll play stalled tactics on you too as
well.
And you need to take your time, effort, energyto learn it because you got you gotta stay on
(24:12):
top of it.
You you set out your disputes.
You gotta wait through the days, look at those,send them out.
And then on top of your daily life, a lot ofpeople we look at people who did themselves,
they're like, it's too much work.
You do it
for me.
Right.
So if you wanna do it yourself, by all means,do it.
Just learn it so you can get to where you'regonna be, then you'll be appreciated more.
With us, that's a good question.
(24:33):
One, it saves you time and energy.
I'll tell you, look.
Here's here's how we can, dare I say, fasttrack it, but here's the way we can do it.
Take the take take this out of your hands.
Here are the things you need to do.
It gives you a shortcut.
Tell you tells you I'll give you clarity.
Saves you time and, and energy on this three.
We, like I said before, we'll give you lifetimeprotection on your credit because a lot of
(24:53):
companies, what they'll do is they'll bill youmonthly to infinity with us.
Once we, everything, everything that happens isa one time fee.
Once that's paid is paid.
So long as you say, let's say with us, say withus as a client, should anything else happen to
your credit, be it six months, a year, or threeyears down the line, we'll be there to take
care of it and you won't pay anything in yourpocket.
You're good to go.
(25:14):
And on top of that too as well, I understandwhat it's like to live with this bad credit and
if you'll judge in the embarrassment and thepain of it and how it can just weigh you down.
I understand that.
I'm I'm very con very understanding of that.
And I'm almost left though so we can orderthrough deeper stuff to help you get past that
and not not have you tie what you see as yourword and as to this three digit number, only
(25:36):
that control you.
You're in control of it, not the other wayaround.
And so you have to be, you know, originallyempowered in that in that and in other areas of
your life as well.
So you actually, you're you're act
Yes.
So you're giving them you're giving them theroadmap in which able to get to the place of
(25:58):
having empowerment so that they have theconfidence to move forward and be able to make
the the decisions, you know, with theirfinances and their home, whether it'd be
purchasing a home, helping them in theirbusiness.
So I love that.
That's beautiful.
Yep.
That's what I do.
We we all need a road map.
Right?
Yep.
(26:19):
So, Matt, I just wanna thank you so much foryour time and for all of this information.
How does our audience find you?
How do they do business with you?
Simple.
They can go to our website.
It'sbww.a,thenumberone,numberone,solutiongroup.com.
They can go there and fill out forms that saysthey want.
Like, I'd like more information or excuse me,if they want you to book a call with me
(26:43):
directly, they can also go tospeakwithmath.info.
Again, speakwithmath.info.
No need to put any the the triple w.
If you want more, just speakwithmath.info.
That'll take you right to my calendar, pick atime, In a Zoom call, we can chat and, you
know, see what's going on and and say, hey,here's how we can help you achieve your, credit
goals and and more.
(27:04):
I love it.
Thank you so much.
You know, again, I'm just grateful that youwere able to help our audience to just, you
know, find out some more information on howthey can be helped because everybody has a
different idea of what good and bad credit is.
Right?
And so look Matt up.
And, Matt, say that website one more time.
(27:25):
So it's, aone, thenumberone,a1solutionsgroup.com.
Well, thank you again, Matt.
We've just really enjoyed our conversationtoday.
And again, this is Catherine, your host withthe Beyond Business Podcast.
Thank you so much for listening with us today.
(27:45):
Well, if you made it to this point, then youmade it to the end, and you are my star.
And I just wanna thank you from the bottom ofmy heart.
I hope that you enjoyed the conversation withtoday's guest.
And if you did, please leave us a review onApple Podcasts and Spotify, and share this
episode with others who may be interested inthis topic.
(28:06):
Also, please feel free to let us know whattopics you'd like to see covered in future
episodes.
Get in touch in the comments or in RocketGrowth social media platforms.
To have conversations with me, my booking linkis in the comments.
See you next week for all for a all newepisode.
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