November 19, 2025 • 30 mins
You can watch the video episode on our YouTube here: https://youtu.be/NyIIyK_GKy0
About Randy Byrd | ByrdHouse Team & Premiere Luxury Group Welcome to the channel! I’m Randy Byrd — real estate entrepreneur, coach, investor, and builder of businesses and people.
After serving in the U.S. Coast Guard, I leveraged my grit and discipline to build a career leading multimillion-dollar ventures, coaching top producers, and helping real estate agents scale their businesses while retaining a larger share of their earnings. I run the Oregon Luxury Group at eXp Realty, ByrdHouse Coaching, and investment companies focused on creative finance and building generational wealth.
On this channel, you’ll find:
🏡 Real estate strategies, market updates, and listing insights
💡 Coaching tips to attract, grow, and retain your tribe
💸 Creative finance & investment breakdowns
🔥 Motivation, leadership, and mindset content to level up your business & life
I believe in legacy leadership, building community, and living half hood, half holy — with grit, grace, and faith guiding the way.
👉 Subscribe if you’re ready to elevate your real estate business, multiply your income streams, and create freedom for yourself and your family.
About Randy Byrd | ByrdHouse Team & Premiere Luxury Group Welcome to the channel! I’m Randy Byrd — real estate entrepreneur, coach, investor, and builder of businesses and people.
After serving in the U.S. Coast Guard, I leveraged my grit and discipline to build a career leading multimillion-dollar ventures, coaching top producers, and helping real estate agents scale their businesses while retaining a larger share of their earnings. I run the Oregon Luxury Group at eXp Realty, ByrdHouse Coaching, and investment companies focused on creative finance and building generational wealth.
On this channel, you’ll find:
🏡 Real estate strategies, market updates, and listing insights
💡 Coaching tips to attract, grow, and retain your tribe
💸 Creative finance & investment breakdowns
🔥 Motivation, leadership, and mindset content to level up your business & life
I believe in legacy leadership, building community, and living half hood, half holy — with grit, grace, and faith guiding the way.
👉 Subscribe if you’re ready to elevate your real estate business, multiply your income streams, and create freedom for yourself and your family.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:01):
Make it all all right, Good afternoon, everybody. It is
coach Randy Burdon. We're here for our weekly coaching call
on Tuesdays. Thank you for being here, both live and
the people that watch it after the fact. We get
a lot of people that watch it and comment on
some of the topics that we've had, so thank you
for the love. We appreciate that. It is every single
(00:24):
week here Tuesday, twelve thirty Pacific time at Randybird dot Live.
Super simple and tell the others, like Johnny Depp would say,
tell the others, right. So anyway, we're going to share
some tactics today for credit repair. The reason that this
topic came up is I had a pretty good conversation
with a lender this week and I learned some things
(00:46):
about credit repair that I thought were valuable and I'd
like to share with you as well as some of
those subtle things that we could do to really help
our own credit, matter of fact, right our own credit.
By doing so, we can then help our clients very significantly.
And by the way, I think this is a really
nice add on to equity value that you provide for
(01:07):
your clients. If in the first conversations you say, hey,
I care about you. I want you get the best rates,
the best terms, and not miss an opportunity i'd give you.
I'd like to give you some suggestions for things that
you could do to improve your credit, boost your credit,
and also some of the things know along the way.
So those are all pretty cool things that people will appreciate.
(01:29):
So let me share my screen and see if you
guys can see me. Okay, can you see my screen? Okay? Yes, okay, cool?
Thank you? And does it look big or does that
look better? Looks better? That looks better? Okay, cool. So
I can't see as much on the screen from you guys,
(01:51):
but I'm gonna I'm gonna roll with it like this. Okay.
So number one credit repair for real estate agents, right,
it's it's really for every buddy. But I designed this
around you today so you can understand some things that
might be valuable for you. So it's educational only. I'm
not giving legal, financial or credit repair of advice. I'm
not smart enough to do that, right. I'm just a
(02:13):
regular old guy. But I'm trying to bring you value
and it's up to you to look into it and
see what's going on with the things they're going to
benefit you. So number two soft pools versus hard pools.
Who knows what that means without cheating and looking at
the screen. What's that mean? Soft pool? Hard pool doesn't? Okay,
(02:34):
one a time, Jeffrey, I was gonna say, one shows
shows up on your credit as an inquiry and one doesn't.
Perfect So who's available to do soft pools? Like some
examples best Buy, YEP retailers, car loan people, credit unions,
(02:55):
credit cards, there's an ability for them to do a
soft pool that's not a true hard pull on your credit.
A hard pull on your credit means it's going to
stay on your credit as an inquiry for a particular
amount of time, could be a couple of years that
that stays on there, and if you do a couple
at a time, it can hurt you. Okay, So a
soft pool, no score impact is checking your own credit
(03:18):
by the way, you're allowed to do that. I'm gonna
teach you how to do that today and give you
the directions and information for all three major credit bureaus
as we go. Insurance quotes are another way. We just
changed all of our insurance over to USAA Military and
really impressed Actually they saved me like literally fifty percent
over Geico, which kind of irritated me because I thought Geico,
(03:41):
I've been with him twenty years. I thought Geico was
one of the cheaper and more, you know, more cost
effective companies. Especially I had my homes, my cars, in
everything with them, and I found out that they were
double the price of USAA. That's crazy. Now USAA is
military only, but it's it's a pretty open area, right
if your grandpa was in the military, or if you're
(04:04):
a family member's sisters, I mean, you have a lot
of opportunities to join that. So I'm giving a big
plug to the USAA. I was shocked. But when I
bought my house, my annual insurance premium was about thirteen
hundred bucks. Over about three or four or five years.
Without me really watching it, just it went up. Right,
the cost of insurance is going up. Well, it was
(04:24):
almost three grand a year. And so I went back
and we found out that we got it back to
prices that were equal to what we were paying five
years ago by looking at another company, same exact coverage. Okay,
so super valuable to look at that kind of stuff.
Background checks, Why it matters it's safe, right, you're not
getting a score drop. By the way, Credit Karma and
(04:47):
some of these things are doing these soft pools all
the time, so you can get this kind of credit
score idea what's going on. But is that totally accurate? No, right,
A soft pool is that it's not doing a hard inquiry.
So that's why many times when you look in credit karmis,
as you're at a seven twenty, you go to apply
(05:07):
for a loan, they do a hard credit and it
comes back at six ninety seven. There could be a
pretty good significant difference in those So just understand that. Okay,
so safe, no score drop by doing these soft pools.
Really good to pay attention to that. A side note
a couple there's a couple companies. We use American Express, Platinum,
(05:29):
and I pay for Equifax, which is like twenty maybe
twenty bucks a month, and they're constantly monitoring and telling
me every month updating my FICO scores directly for all
three and they're watching if anything changes, and they're sending
me messages immediately. Right so like we're refinancing a truck
right now. Rates have come down a little bit in
(05:50):
the in the UH credit Union world and all my
things lit up saying you had a heart inquiry, You
had all these things going on in your credit. So
it's to have those things. Hard Pools are this and
by the way, hard pools drop your credit two to
ten points per hard pool, and that's going to stay
there for quite a while. It could be a couple
(06:11):
of years. Credit cards, any credit card you apply for
has got to be a hard pool, right. There's some
that say we'll do a soft pool and issue it
on that that is possible for them, But understand, a
credit card is a hard pull. Buying a couch at
a store when your house is an escrow is probably
a hard pool. That's going to be a problem for
(06:34):
people if they're buying a house and they go in
and they ding their credit by ten points and miss
an opportunity to get a certain rate. Might have seen
that happen so many times. Obviously. Auto loans and mortgage loans,
why it matters, too many are a lender red flag,
even though it only drops two to ten points. If
they see that you're shopping for credit and then your
(06:55):
your credit income to debt range is a little high,
all those things start playing in so you really want
to be cautious of making hard pools on your credit
and just doing it just to get credit cards or whatever.
It may be. One thing that's really cool, and this
is an advanced tip. Mortgage pools within a two week
period count as one credit required or one credit credit inquiry. Okay,
(07:23):
So what's cool about this is if you're shopping mortgages,
you can go to Biaba, Wells Fargo, the credit Union,
Rocket Mortgage. Don't ever do that, just can Rocket Mortgage.
You could do all these things within two weeks, and
it can. It's considered only as one credit pool because
they know you're shopping the market. That's not the same
for auto loans. In some of the credit card things,
(07:45):
if you're shopping credit cards and they're pulling your credit,
they're all individual credit pools and they can impact you negatively. Okay.
So next thing, fast score boosters, and we record, by
the way, this will all be back at you and
YouTube and stuff, so if you want to go back
to it. But fast score boot boosters, simple explanations, utilization,
(08:10):
stacking paying cards two to seven percent before the statement date.
It's the biggest score mover. I didn't know this till recently. Right,
So if your credit cards do coming up on the
twentieth and you could pay two to seven percent more
than the required minimum payment or whatever that may be,
(08:30):
and you pay it early, that moves your score significantly,
rather than obviously waiting and paying minimum balances and all
the things. Right, So that's something that could become a
strategy for you. Requesting credit line increases. Seelis right as
the bank to ask the bank to raise your credit
(08:51):
credit limit every ninety days. A lot of people don't
realize that. And show of hands, who's asked the bank
to increase credit lines even once in the last year?
I got half the people. Did you know? You can
ask every ninety days? They could say no, but the
likelihood of them bumping these things up are good for you.
(09:13):
And if you don't say anything, it could sit there
at that balance for the next two or three years.
By the way, let's just use an example, ten thousand
dollars credit card limit. You owe three grand. That's good.
You're under the thirty percent of credit card usage on
that particular card. You want it over the whole portfolio
of credit available to you. Under that thirty percent is
(09:36):
kind of a key marker. But let's just say ten
thousand dollars card, you have three thousand that you're using.
You're at a thirty percent of credit utilization. Correct. What
happens in ninety days If you increase that credit to
twelve grand and your balance is still three your credit
unilization is dropped down to twenty three or twenty two percent.
(09:57):
It helps a lot, right, So if you're making payment
some time, paying a little bit early, asking for this
credit limit every ninety days could be valuable. Debbie, do
you have a question about this? Okay, your hands up?
No problem? Okay, So higher limit, lower utilization, higher score
period and you know that's the simple math there. So
(10:19):
you could either lower the amount of credit you're using
on those particular cards, or you could use the strategy
of increasing your balances over time to make that utilization smaller.
A big factor with buying mortgages is your credit card
utilization numbers. It's a big factor, right, So somebody's got
a fifty percent credit card utilization, They've got a total
(10:43):
of thirty thousand of available credit cards and they've used
fifteen thousand of it. It's not good when they're evaluating
your mortgage repayment ability. Okay, so I dig it and
then add a no use card, open a card you
barely use to ex band available credit. We have several
cards to have zero balances and we keep them for
(11:04):
like flips and you know, we might have forty thousand
dollars or the credit cards that have zero balance. A
lot of people go, well, I'm going to shut those
off because I might be paying a little eighty nine
dollars a year fee or whatever it is. It's increasing
your utilization value. It's also shows zero balance, which is good.
And the length of the time might be in another slide,
(11:25):
but the length of the time that you have that
open account with good history all benefits your FICO score
and the way that these algorithms work in that Okay,
So it's okay to have a couple of credit cards
that are at zero balance and keeping those are valuable
depending on both emergencies and emergency funds looking at it
(11:48):
that way, or if you get a specific project and
as contractor, you know, we always needed to have a
pretty good credit line available to us. Okay, Okay, Authorized
user boost Adding someone as an authorized user on a
long clean credit card can boost score thirty to ninety points.
(12:13):
That's a pretty big number. That's a if you're looking
at the at the Fyco score, like a perfect Fyco score.
Anybody know what that number is? The absolute highest FICO
score you can get? Yeah, eight fifty? What is it?
Eight fifty? I think it's actually a little higher than
I could be wrong. Nine. I think it's nine hundred.
So I heard it's nine hundred. I had a FIKO
(12:35):
at one time of like recently that was like eight
forty three or something, so it was ray up there.
Now it's like, I think we just pulled it for
this and it was like seven ninety three. And I
looked at it was because utilization. We'd put the taxes
on our credit card for mileage, paid it off, but
for a month, it dropped my points down over fifty
(12:55):
FICO points in a thirty day period because it showed
that I used a bunch of credit it right, but
I paid my taxes. All that's good, and I thought
Mileedge would be a good thing. But again, you got
to plan those things out so it could be valuable
to put an authorized user on the card and then
it could boost your score significantly. Another opportunity if you
(13:19):
have children is get a card in their name. Right.
One of the greatest things I did with the kids
is I put I gave them each an American Express
card for an emergency. We paid off every month so
there's no surprises, and we said this is an emergency. Right,
you could use it in an emergency. But just by
putting it in their name increased their scores because they
(13:41):
have an authorized card that's got a lot of usage
and their names associated with it. It pulls up on
their credit report as them having an American Express, which
has long been believed to be kind of the cat's
meal of the credit cards. Right, if you have an
American Express Platinum card or any of the other Gold
cards and so on, it's considered the highest level of credit.
(14:04):
If you will at least have been told that. Okay,
So what they get is account aging, right. They get
a good payment history because you're making the payments, and
a low utilization best people's spouse, parents, family member, trusted
partners in business that sometimes comes up, and then avoid
buying au tradelines online lenders flag them. Okay, so some
(14:31):
ideas that you can use to boost your credit, Okay,
I don't know. I don't remember, actually, somebody want to
google it au Tradelines. I had it in my head
a few minutes ago and I forgot it. Trade lines
(14:54):
authorized user, I think right, author user Tradelines. Yep, thank you.
I knew we could google ourselves into success here. So
next slide, so removing the score killers hard inquiry removal.
If client didn't authorize the pool, dispute it with the bureau. Right,
(15:15):
that happens a lot. True story. The reason all this
came up, actually, I'll give you the honest truth. We applied, well,
we didn't apply. We went through to get new cell phones.
I've been with Verizon for twenty years whatever, right, not
going to get into bashing Verizon, but it was time
for a change and we started looking and it's usually
(15:35):
because of customer service. With me, right, it's not service.
It's not the cell phone color, it's not the towers.
It's customer service. And so we decided to move to
AT and T. We looked at another carrier my son
worked at. We went with AT and T, met with
him for an hour, went through, this is the phone
we want, this is the plan we want, these are
(15:56):
the numbers we're going to port and did all this stuff.
At the very end, he goes, Okay, we're just going
to do a soft pool on your credit. I go,
no problem, soft pools. I understand what that means. So
they did a soft pool and they came back and
they go, oh, we're sorry, you're denied now. I told you.
I just I know my fight go it was seven
eighty seven at the time. That couldn't have been it.
My job's longevity wise been e xp nine years. All
(16:19):
these things, right, I go, this makes no sense. So
what happened is when they got to the point where
they're validating me, the AT and t REP took me
to a third party that validates my credit score and
my information and they asked me like four questions. And
I'm not kidding. These were the questions, which car have
you owned? Was it a Prius? Was it a Saturn?
(16:45):
Was it a it was some off the like literally
like a seventy two Pinto or was it a something else?
And I'm like, or none of the above. That was
the fifth answer. I said none of the above, and
they go totally normal, none of the above's normal. Next question,
which plane have you owned? I've never owned a plane.
So they listed like Bombadier two two seven. This that
(17:07):
they went through that I go, none of the above,
and they go totally normal. They asked me four questions
that were none of the above, and I go, this
is not normal. I've done this before. They ask you
four addresses, you got to pick yours. They ask you
what your first you know, bank loan was something's wrong.
So at the end of it, they declined me, well,
they have something wrong in their system. Because I get
(17:27):
my credit reports all the time, I know what's on them.
I'm very conscientious about this. AT and t's got a problem.
So I reached out to them and I said, something's wrong,
but it's hard stop right because it flagged. It is
a hard stop. We cannot get new cell phones from
AT and T, which is a bad business decision on
their port. On their point, but that's what brought all
(17:49):
this up. I ordered all three credit bureaus. Nothing's shown
up and accurate. So sometimes there's just something wonky in
the system. But I'm going through the process. But how
much effort am I going to as a consumer go
to fight AC and T to beg them to take
my business and my three or four hundred dollars my
cell phone bill. It's like zero point zero, right, But
(18:11):
you could see the value of having your information correct
and knowing what's going on. So I'm disputing it, but
the credit bureas are saying there's nothing to dispute. There's
nothing wrong on our side, right, So I'm just letting
you know you could. You could call them and say
I did not give permission for this inquiry and they
(18:31):
have to challenge it, and then they have to respond
within thirty days to prove that you actually did ask
for that inquiry and then they did it correctly. A
real key timeframe for credit is thirty days. Remember that,
write it down thirty days. If you dispute something, they
(18:52):
have thirty calendar days to respond or remove it. It's
just black and white. If they don't respond and validate
it than thirty days, it has to be removed. So
back in the short cell days, we're doing a lot
of this kind of maneuvering around. Right. So if you
let's just say you want to be creative and you
(19:15):
dispute an inquiry on December seventh, and you know they're
going to be off during Christmas for three or four days,
you know they're going to be off at New Year's
for three or four days. You know that there's probably
a week of downtime for many employees in between that
period of time. Do you see how December seventh to
January seventh could be a very impactful timeframe for you
(19:37):
to put in a dispute and hoping that that thirty
days winds out to be a challenge for them, right,
because they've got to reach out to the vendors. The
vendors have to reply all this has to be validated
in thirty days or your rights are it has to
be removed. It doesn't matter if it was good, bad,
or indifferent. Right, So there's some timelines that are very
(19:58):
much in your favor for these stres. Yes, by the way,
don't just pay if you have a collection on your thing,
there's a collection strategy. Don't just pay, negotiate to pay
for delete so it disappears. Do you know you could
do that if you have a bill for four hundred
dollars at the hospital or whatever happened and you dispute it.
(20:21):
If you just fight with it and you just put
your head in the sand, they're going to code to collections.
It's a lot harder to get to that point, if
you have a collection on your record, don't just pay it.
You can negotiate it down, or you can negotiate it
down and or have it deleted from your record. Now,
many of them will tell you, and I've done this
(20:41):
from experience, many of them will tell you we can't
delete it by law. That is crap. That there's always
reasons that things are there inaccurately or otherwise. They have
the power to delete it regardless what they tell you.
Credit Also, Randy, yes, you can ask for an to
my statement and a lot of times you can talk
(21:03):
that bill down in the statement. Yeah. So don't just
give up on this, like you have to have some
tenacity and go through this. But think about this is
make sure number one you get your three reports that
I'm gonna give you the numbers on in a few minutes.
Make sure you order those. They're free. You're allowed to
do that every so months and get a free report,
(21:24):
no questions. Or if you get denied credit, you get
a report again for free, even if you've asked for
one in the past. So paying these things and getting
them off your credit report could be very significant. Another
thing that people don't realize is employers pull your credit.
If you're applying for a corporate position or a position
(21:45):
that's a W two, your credit could very much come
into play. So little collections could skew their belief in
your ability to manage finances, especially if you're applying for
something that has financial implications. Right, So all these things
are really really important. They have to verify the loans,
They have to verify when it was paid late, when
(22:07):
your payments happened. They have to communicate with the third
party to do that. Most collection agencies by debt at
a discount, so they're not the ones that know anything
about it. They've got to go back to somebody else.
So when you dispute it, it goes through multiple hands
of people that have to validate that basically, so method
of verification mov okay. And then also you could ask
(22:30):
the bureau how did you verify this account? If they
can't prove it, they must delete it. That's a big deal.
And by the way, can you dispute things three or
four or five times in different ways? Yep. Every time
they have to open up an inquiry. They might get
sick of you, but again it's within your rights, okay.
(22:52):
So last slide and then we will take a couple questions.
So quick boost tools and credit bureaus to that work.
Credit Builder loan, Kickoff, Experience Boost two new small limit
cards use one to three percent. That's a way to
boost your credit. Experience Boost. That's a service that they
(23:15):
provide for a fee that they do some things for
you to boost your credit scores. I've heard it works well.
Kickoff's another version of that. You could do your credit
builder loans that you could take out and pay on purpose.
So you can, like when we go to less Schwab
or something, we could easily put it on our account
and pay it off, but we'll leave it on there
(23:35):
for a few months so it shows that we're making
accurate monthly payments and then paid off. So the longevity
of it, and you're showing the history of the payments. Okay,
and then I want you to write these numbers down.
These are the three numbers for the bureaus. It take
you less than five to ten minutes per bureau to
call them, and you're going to probably go through an
(23:56):
automated thing that says what are you trying to doute
dispute something or something, and you could just say I
want to copy of my credit report. They'll send them
to you for free. They might try to sell you
into some credit watch or something. For twenty nine to
ninety five, you're entitled to free report, and I would
do it with all three because it's important. Most lenders,
(24:18):
especially mortgage lenders, they look at a blend of multiple
credit reporting agencies. It's not usually just one that they
go to. Some lean heavy on some like my credit union.
It's all about experience. That's all they use. So my
TransUnion could be eight to fifty and my experience seven fifty.
(24:39):
They're lending based on seven fifty. Okay, so that's it.
Everybody get those numbers. I'm going to leave them on
the screen for a minute, but I want to make
sure I answer any questions and hopefully this has helped
you both for yourself to pull these credit reports and
find out what's going on with your own credit. We're
(24:59):
speaking for experience because I was so pissed when AT
and T told me I couldn't even buy a cell phone.
I was like, Okay, I could buy houses, I can't
buy a cell phone. Something's not right here, right, But anyway,
I get off my soapbox right now. So any questions
about credit anything that comes up for you, Debbie.
Speaker 2 (25:18):
Yeah, Randy, what happens if I have a friend that's
disputed charges her acts had used her SO security number,
and she's disputed it, and they're still saying that she
owes these credit cards and she's never ever had a
credit card ever.
Speaker 1 (25:39):
So that automatically it sounds like something's wrong, right, So
she's got to go to the distance of proving that
that wasn't hers, proving that she didn't sign up for
that credit card that they have to Actually, the burden
of proof is on them. They have to prove that
she did, and if they cannot, it could be removed. Okay, Okay,
So we're not experts. So if she runs into that
(26:01):
roadblock where she's done all this it's not working. I'd
hire an attorney to fight this for There are credit
repair attorneys that are inexpensive. There are free credit repair
attorneys that are advocates, both state funded, federally funded, government
VA all kinds of different ways to get help with this.
And then and then I would put preservation into place,
(26:24):
meaning that I would get a credit watch company for
her that watches her credit to make sure this this
doesn't happen again. But if she was married and they
and and they have a legal obligation together right out credit,
it affects her and there's no way to get around that,
right right.
Speaker 2 (26:43):
I Yeah, I used to do high end collections, so I.
Speaker 1 (26:46):
Know that part.
Speaker 2 (26:47):
But I go, I just wanted to make sure. What
the if there was an attorney that could get a
hold of here in Oregon.
Speaker 1 (26:58):
Of one, But of course there are, right, That's all
they specialize in is credit repair and things like that.
So you could certainly do a lot of this stuff
with chatchiputine, now, you know. But if that didn't work,
I would I would then get an attorney because it's important, right.
I can tell you so many people have applied for
(27:19):
positions or jobs and then they get this crazy thing
that's on their credit. That's not right. There's a randy
bird in Texas. I've never been to Texas. At the time,
ten years ago, when this came up, ten or fifteen
years ago, I was buying a house. They go, oh,
you have a credit, you have a collection on your record.
I'm like, negative, Yeah, it's in Texas. I'm like, never
(27:40):
been to Texas. Well, your address is in Texas. I go, no,
it's not in Texas, right, I've never been to Texas.
And lo and behold it was a Randall R Bird
in Texas. Different social different address, different everything. But it
got associated with my credit report and it was a
nightmare to get him removed for my credit report.
Speaker 2 (28:00):
Isn't that ridiculous?
Speaker 1 (28:01):
Yeah? Well again, I hadn't.
Speaker 2 (28:03):
One other question. Did you ever get to a T
and T Because I've been thinking about leaving Verizon myself.
Speaker 1 (28:11):
I don't want to get into Verizon. And sorry, it's okay.
I just I said enough probably already, but we're just
at the end of our time and we're still looking
to get new phones. They had a thing where they
paid off your phone and gave you the brand new
iPhone seventeen and all the things that sounded appealing. So
(28:31):
they're working on it. At and T realized I showed
them my credit report and they're like, something's wrong, so right, okay, Yeah,
no worries, just curious, just curious. It's all good. So
thank you, yeah, you bet, Thank you everybody for being here.
Any other questions about credit before we wrap up, And again,
make sure you write down these numbers. Make sure you
(28:52):
put it on your calendar to call them and say
I want to get copies of my credit report, and
then when you get those, you're welcome to call back
and dispute anything that comes up on there, either through
the phone system or you could do it online and
dispute them. And then again they have it's a thirty
day clock, so if you're creative, you know, I would
do it around December seventh, personally December fourth, sixth seventh,
(29:16):
because that's that's a couple big holidays in there, and
it knocks that thirty days down to about seventeen days
really quick. Okay, very good, awesome. I appreciate you guys,
thank you for being here. Again. We kind of handle
different topics every week. Last week we did AI. This
week we're doing credit repair. So we try to make
(29:38):
a valuable for you. It's usually real estate related, but
I think this very much aligns with what we do
in real estate. So thank you for being here. I
see a couple new faces. Appreciate you and anything we
could do to support you. We're here every single week,
all right, Okay, thank you, Rendy, you bet, thanks everybody
for much have a great week and go crush it.
(30:01):
See you for now by
Make it all all right, Good afternoon, everybody. It is
coach Randy Burdon. We're here for our weekly coaching call
on Tuesdays. Thank you for being here, both live and
the people that watch it after the fact. We get
a lot of people that watch it and comment on
some of the topics that we've had, so thank you
for the love. We appreciate that. It is every single
(00:24):
week here Tuesday, twelve thirty Pacific time at Randybird dot Live.
Super simple and tell the others, like Johnny Depp would say,
tell the others, right. So anyway, we're going to share
some tactics today for credit repair. The reason that this
topic came up is I had a pretty good conversation
with a lender this week and I learned some things
(00:46):
about credit repair that I thought were valuable and I'd
like to share with you as well as some of
those subtle things that we could do to really help
our own credit, matter of fact, right our own credit.
By doing so, we can then help our clients very significantly.
And by the way, I think this is a really
nice add on to equity value that you provide for
(01:07):
your clients. If in the first conversations you say, hey,
I care about you. I want you get the best rates,
the best terms, and not miss an opportunity i'd give you.
I'd like to give you some suggestions for things that
you could do to improve your credit, boost your credit,
and also some of the things know along the way.
So those are all pretty cool things that people will appreciate.
(01:29):
So let me share my screen and see if you
guys can see me. Okay, can you see my screen? Okay? Yes, okay, cool?
Thank you? And does it look big or does that
look better? Looks better? That looks better? Okay, cool. So
I can't see as much on the screen from you guys,
(01:51):
but I'm gonna I'm gonna roll with it like this. Okay.
So number one credit repair for real estate agents, right,
it's it's really for every buddy. But I designed this
around you today so you can understand some things that
might be valuable for you. So it's educational only. I'm
not giving legal, financial or credit repair of advice. I'm
not smart enough to do that, right. I'm just a
(02:13):
regular old guy. But I'm trying to bring you value
and it's up to you to look into it and
see what's going on with the things they're going to
benefit you. So number two soft pools versus hard pools.
Who knows what that means without cheating and looking at
the screen. What's that mean? Soft pool? Hard pool doesn't? Okay,
(02:34):
one a time, Jeffrey, I was gonna say, one shows
shows up on your credit as an inquiry and one doesn't.
Perfect So who's available to do soft pools? Like some
examples best Buy, YEP retailers, car loan people, credit unions,
(02:55):
credit cards, there's an ability for them to do a
soft pool that's not a true hard pull on your credit.
A hard pull on your credit means it's going to
stay on your credit as an inquiry for a particular
amount of time, could be a couple of years that
that stays on there, and if you do a couple
at a time, it can hurt you. Okay, So a
soft pool, no score impact is checking your own credit
(03:18):
by the way, you're allowed to do that. I'm gonna
teach you how to do that today and give you
the directions and information for all three major credit bureaus
as we go. Insurance quotes are another way. We just
changed all of our insurance over to USAA Military and
really impressed Actually they saved me like literally fifty percent
over Geico, which kind of irritated me because I thought Geico,
(03:41):
I've been with him twenty years. I thought Geico was
one of the cheaper and more, you know, more cost
effective companies. Especially I had my homes, my cars, in
everything with them, and I found out that they were
double the price of USAA. That's crazy. Now USAA is
military only, but it's it's a pretty open area, right
if your grandpa was in the military, or if you're
(04:04):
a family member's sisters, I mean, you have a lot
of opportunities to join that. So I'm giving a big
plug to the USAA. I was shocked. But when I
bought my house, my annual insurance premium was about thirteen
hundred bucks. Over about three or four or five years.
Without me really watching it, just it went up. Right,
the cost of insurance is going up. Well, it was
(04:24):
almost three grand a year. And so I went back
and we found out that we got it back to
prices that were equal to what we were paying five
years ago by looking at another company, same exact coverage. Okay,
so super valuable to look at that kind of stuff.
Background checks, Why it matters it's safe, right, you're not
getting a score drop. By the way, Credit Karma and
(04:47):
some of these things are doing these soft pools all
the time, so you can get this kind of credit
score idea what's going on. But is that totally accurate? No, right,
A soft pool is that it's not doing a hard inquiry.
So that's why many times when you look in credit karmis,
as you're at a seven twenty, you go to apply
(05:07):
for a loan, they do a hard credit and it
comes back at six ninety seven. There could be a
pretty good significant difference in those So just understand that. Okay,
so safe, no score drop by doing these soft pools.
Really good to pay attention to that. A side note
a couple there's a couple companies. We use American Express, Platinum,
(05:29):
and I pay for Equifax, which is like twenty maybe
twenty bucks a month, and they're constantly monitoring and telling
me every month updating my FICO scores directly for all
three and they're watching if anything changes, and they're sending
me messages immediately. Right so like we're refinancing a truck
right now. Rates have come down a little bit in
(05:50):
the in the UH credit Union world and all my
things lit up saying you had a heart inquiry, You
had all these things going on in your credit. So
it's to have those things. Hard Pools are this and
by the way, hard pools drop your credit two to
ten points per hard pool, and that's going to stay
there for quite a while. It could be a couple
(06:11):
of years. Credit cards, any credit card you apply for
has got to be a hard pool, right. There's some
that say we'll do a soft pool and issue it
on that that is possible for them, But understand, a
credit card is a hard pull. Buying a couch at
a store when your house is an escrow is probably
a hard pool. That's going to be a problem for
(06:34):
people if they're buying a house and they go in
and they ding their credit by ten points and miss
an opportunity to get a certain rate. Might have seen
that happen so many times. Obviously. Auto loans and mortgage loans,
why it matters, too many are a lender red flag,
even though it only drops two to ten points. If
they see that you're shopping for credit and then your
(06:55):
your credit income to debt range is a little high,
all those things start playing in so you really want
to be cautious of making hard pools on your credit
and just doing it just to get credit cards or whatever.
It may be. One thing that's really cool, and this
is an advanced tip. Mortgage pools within a two week
period count as one credit required or one credit credit inquiry. Okay,
(07:23):
So what's cool about this is if you're shopping mortgages,
you can go to Biaba, Wells Fargo, the credit Union,
Rocket Mortgage. Don't ever do that, just can Rocket Mortgage.
You could do all these things within two weeks, and
it can. It's considered only as one credit pool because
they know you're shopping the market. That's not the same
for auto loans. In some of the credit card things,
(07:45):
if you're shopping credit cards and they're pulling your credit,
they're all individual credit pools and they can impact you negatively. Okay.
So next thing, fast score boosters, and we record, by
the way, this will all be back at you and
YouTube and stuff, so if you want to go back
to it. But fast score boot boosters, simple explanations, utilization,
(08:10):
stacking paying cards two to seven percent before the statement date.
It's the biggest score mover. I didn't know this till recently. Right,
So if your credit cards do coming up on the
twentieth and you could pay two to seven percent more
than the required minimum payment or whatever that may be,
(08:30):
and you pay it early, that moves your score significantly,
rather than obviously waiting and paying minimum balances and all
the things. Right, So that's something that could become a
strategy for you. Requesting credit line increases. Seelis right as
the bank to ask the bank to raise your credit
(08:51):
credit limit every ninety days. A lot of people don't
realize that. And show of hands, who's asked the bank
to increase credit lines even once in the last year?
I got half the people. Did you know? You can
ask every ninety days? They could say no, but the
likelihood of them bumping these things up are good for you.
(09:13):
And if you don't say anything, it could sit there
at that balance for the next two or three years.
By the way, let's just use an example, ten thousand
dollars credit card limit. You owe three grand. That's good.
You're under the thirty percent of credit card usage on
that particular card. You want it over the whole portfolio
of credit available to you. Under that thirty percent is
(09:36):
kind of a key marker. But let's just say ten
thousand dollars card, you have three thousand that you're using.
You're at a thirty percent of credit utilization. Correct. What
happens in ninety days If you increase that credit to
twelve grand and your balance is still three your credit
unilization is dropped down to twenty three or twenty two percent.
(09:57):
It helps a lot, right, So if you're making payment
some time, paying a little bit early, asking for this
credit limit every ninety days could be valuable. Debbie, do
you have a question about this? Okay, your hands up?
No problem? Okay, So higher limit, lower utilization, higher score
period and you know that's the simple math there. So
(10:19):
you could either lower the amount of credit you're using
on those particular cards, or you could use the strategy
of increasing your balances over time to make that utilization smaller.
A big factor with buying mortgages is your credit card
utilization numbers. It's a big factor, right, So somebody's got
a fifty percent credit card utilization, They've got a total
(10:43):
of thirty thousand of available credit cards and they've used
fifteen thousand of it. It's not good when they're evaluating
your mortgage repayment ability. Okay, so I dig it and
then add a no use card, open a card you
barely use to ex band available credit. We have several
cards to have zero balances and we keep them for
(11:04):
like flips and you know, we might have forty thousand
dollars or the credit cards that have zero balance. A
lot of people go, well, I'm going to shut those
off because I might be paying a little eighty nine
dollars a year fee or whatever it is. It's increasing
your utilization value. It's also shows zero balance, which is good.
And the length of the time might be in another slide,
(11:25):
but the length of the time that you have that
open account with good history all benefits your FICO score
and the way that these algorithms work in that Okay,
So it's okay to have a couple of credit cards
that are at zero balance and keeping those are valuable
depending on both emergencies and emergency funds looking at it
(11:48):
that way, or if you get a specific project and
as contractor, you know, we always needed to have a
pretty good credit line available to us. Okay, Okay, Authorized
user boost Adding someone as an authorized user on a
long clean credit card can boost score thirty to ninety points.
(12:13):
That's a pretty big number. That's a if you're looking
at the at the Fyco score, like a perfect Fyco score.
Anybody know what that number is? The absolute highest FICO
score you can get? Yeah, eight fifty? What is it?
Eight fifty? I think it's actually a little higher than
I could be wrong. Nine. I think it's nine hundred.
So I heard it's nine hundred. I had a FIKO
(12:35):
at one time of like recently that was like eight
forty three or something, so it was ray up there.
Now it's like, I think we just pulled it for
this and it was like seven ninety three. And I
looked at it was because utilization. We'd put the taxes
on our credit card for mileage, paid it off, but
for a month, it dropped my points down over fifty
(12:55):
FICO points in a thirty day period because it showed
that I used a bunch of credit it right, but
I paid my taxes. All that's good, and I thought
Mileedge would be a good thing. But again, you got
to plan those things out so it could be valuable
to put an authorized user on the card and then
it could boost your score significantly. Another opportunity if you
(13:19):
have children is get a card in their name. Right.
One of the greatest things I did with the kids
is I put I gave them each an American Express
card for an emergency. We paid off every month so
there's no surprises, and we said this is an emergency. Right,
you could use it in an emergency. But just by
putting it in their name increased their scores because they
(13:41):
have an authorized card that's got a lot of usage
and their names associated with it. It pulls up on
their credit report as them having an American Express, which
has long been believed to be kind of the cat's
meal of the credit cards. Right, if you have an
American Express Platinum card or any of the other Gold
cards and so on, it's considered the highest level of credit.
(14:04):
If you will at least have been told that. Okay,
So what they get is account aging, right. They get
a good payment history because you're making the payments, and
a low utilization best people's spouse, parents, family member, trusted
partners in business that sometimes comes up, and then avoid
buying au tradelines online lenders flag them. Okay, so some
(14:31):
ideas that you can use to boost your credit, Okay,
I don't know. I don't remember, actually, somebody want to
google it au Tradelines. I had it in my head
a few minutes ago and I forgot it. Trade lines
(14:54):
authorized user, I think right, author user Tradelines. Yep, thank you.
I knew we could google ourselves into success here. So
next slide, so removing the score killers hard inquiry removal.
If client didn't authorize the pool, dispute it with the bureau. Right,
(15:15):
that happens a lot. True story. The reason all this
came up, actually, I'll give you the honest truth. We applied, well,
we didn't apply. We went through to get new cell phones.
I've been with Verizon for twenty years whatever, right, not
going to get into bashing Verizon, but it was time
for a change and we started looking and it's usually
(15:35):
because of customer service. With me, right, it's not service.
It's not the cell phone color, it's not the towers.
It's customer service. And so we decided to move to
AT and T. We looked at another carrier my son
worked at. We went with AT and T, met with
him for an hour, went through, this is the phone
we want, this is the plan we want, these are
(15:56):
the numbers we're going to port and did all this stuff.
At the very end, he goes, Okay, we're just going
to do a soft pool on your credit. I go,
no problem, soft pools. I understand what that means. So
they did a soft pool and they came back and
they go, oh, we're sorry, you're denied now. I told you.
I just I know my fight go it was seven
eighty seven at the time. That couldn't have been it.
My job's longevity wise been e xp nine years. All
(16:19):
these things, right, I go, this makes no sense. So
what happened is when they got to the point where
they're validating me, the AT and t REP took me
to a third party that validates my credit score and
my information and they asked me like four questions. And
I'm not kidding. These were the questions, which car have
you owned? Was it a Prius? Was it a Saturn?
(16:45):
Was it a it was some off the like literally
like a seventy two Pinto or was it a something else?
And I'm like, or none of the above. That was
the fifth answer. I said none of the above, and
they go totally normal, none of the above's normal. Next question,
which plane have you owned? I've never owned a plane.
So they listed like Bombadier two two seven. This that
(17:07):
they went through that I go, none of the above,
and they go totally normal. They asked me four questions
that were none of the above, and I go, this
is not normal. I've done this before. They ask you
four addresses, you got to pick yours. They ask you
what your first you know, bank loan was something's wrong.
So at the end of it, they declined me, well,
they have something wrong in their system. Because I get
(17:27):
my credit reports all the time, I know what's on them.
I'm very conscientious about this. AT and t's got a problem.
So I reached out to them and I said, something's wrong,
but it's hard stop right because it flagged. It is
a hard stop. We cannot get new cell phones from
AT and T, which is a bad business decision on
their port. On their point, but that's what brought all
(17:49):
this up. I ordered all three credit bureaus. Nothing's shown
up and accurate. So sometimes there's just something wonky in
the system. But I'm going through the process. But how
much effort am I going to as a consumer go
to fight AC and T to beg them to take
my business and my three or four hundred dollars my
cell phone bill. It's like zero point zero, right, But
(18:11):
you could see the value of having your information correct
and knowing what's going on. So I'm disputing it, but
the credit bureas are saying there's nothing to dispute. There's
nothing wrong on our side, right, So I'm just letting
you know you could. You could call them and say
I did not give permission for this inquiry and they
(18:31):
have to challenge it, and then they have to respond
within thirty days to prove that you actually did ask
for that inquiry and then they did it correctly. A
real key timeframe for credit is thirty days. Remember that,
write it down thirty days. If you dispute something, they
(18:52):
have thirty calendar days to respond or remove it. It's
just black and white. If they don't respond and validate
it than thirty days, it has to be removed. So
back in the short cell days, we're doing a lot
of this kind of maneuvering around. Right. So if you
let's just say you want to be creative and you
(19:15):
dispute an inquiry on December seventh, and you know they're
going to be off during Christmas for three or four days,
you know they're going to be off at New Year's
for three or four days. You know that there's probably
a week of downtime for many employees in between that
period of time. Do you see how December seventh to
January seventh could be a very impactful timeframe for you
(19:37):
to put in a dispute and hoping that that thirty
days winds out to be a challenge for them, right,
because they've got to reach out to the vendors. The
vendors have to reply all this has to be validated
in thirty days or your rights are it has to
be removed. It doesn't matter if it was good, bad,
or indifferent. Right, So there's some timelines that are very
(19:58):
much in your favor for these stres. Yes, by the way,
don't just pay if you have a collection on your thing,
there's a collection strategy. Don't just pay, negotiate to pay
for delete so it disappears. Do you know you could
do that if you have a bill for four hundred
dollars at the hospital or whatever happened and you dispute it.
(20:21):
If you just fight with it and you just put
your head in the sand, they're going to code to collections.
It's a lot harder to get to that point, if
you have a collection on your record, don't just pay it.
You can negotiate it down, or you can negotiate it
down and or have it deleted from your record. Now,
many of them will tell you, and I've done this
(20:41):
from experience, many of them will tell you we can't
delete it by law. That is crap. That there's always
reasons that things are there inaccurately or otherwise. They have
the power to delete it regardless what they tell you.
Credit Also, Randy, yes, you can ask for an to
my statement and a lot of times you can talk
(21:03):
that bill down in the statement. Yeah. So don't just
give up on this, like you have to have some
tenacity and go through this. But think about this is
make sure number one you get your three reports that
I'm gonna give you the numbers on in a few minutes.
Make sure you order those. They're free. You're allowed to
do that every so months and get a free report,
(21:24):
no questions. Or if you get denied credit, you get
a report again for free, even if you've asked for
one in the past. So paying these things and getting
them off your credit report could be very significant. Another
thing that people don't realize is employers pull your credit.
If you're applying for a corporate position or a position
(21:45):
that's a W two, your credit could very much come
into play. So little collections could skew their belief in
your ability to manage finances, especially if you're applying for
something that has financial implications. Right, So all these things
are really really important. They have to verify the loans,
They have to verify when it was paid late, when
(22:07):
your payments happened. They have to communicate with the third
party to do that. Most collection agencies by debt at
a discount, so they're not the ones that know anything
about it. They've got to go back to somebody else.
So when you dispute it, it goes through multiple hands
of people that have to validate that basically, so method
of verification mov okay. And then also you could ask
(22:30):
the bureau how did you verify this account? If they
can't prove it, they must delete it. That's a big deal.
And by the way, can you dispute things three or
four or five times in different ways? Yep. Every time
they have to open up an inquiry. They might get
sick of you, but again it's within your rights, okay.
(22:52):
So last slide and then we will take a couple questions.
So quick boost tools and credit bureaus to that work.
Credit Builder loan, Kickoff, Experience Boost two new small limit
cards use one to three percent. That's a way to
boost your credit. Experience Boost. That's a service that they
(23:15):
provide for a fee that they do some things for
you to boost your credit scores. I've heard it works well.
Kickoff's another version of that. You could do your credit
builder loans that you could take out and pay on purpose.
So you can, like when we go to less Schwab
or something, we could easily put it on our account
and pay it off, but we'll leave it on there
(23:35):
for a few months so it shows that we're making
accurate monthly payments and then paid off. So the longevity
of it, and you're showing the history of the payments. Okay,
and then I want you to write these numbers down.
These are the three numbers for the bureaus. It take
you less than five to ten minutes per bureau to
call them, and you're going to probably go through an
(23:56):
automated thing that says what are you trying to doute
dispute something or something, and you could just say I
want to copy of my credit report. They'll send them
to you for free. They might try to sell you
into some credit watch or something. For twenty nine to
ninety five, you're entitled to free report, and I would
do it with all three because it's important. Most lenders,
(24:18):
especially mortgage lenders, they look at a blend of multiple
credit reporting agencies. It's not usually just one that they
go to. Some lean heavy on some like my credit union.
It's all about experience. That's all they use. So my
TransUnion could be eight to fifty and my experience seven fifty.
(24:39):
They're lending based on seven fifty. Okay, so that's it.
Everybody get those numbers. I'm going to leave them on
the screen for a minute, but I want to make
sure I answer any questions and hopefully this has helped
you both for yourself to pull these credit reports and
find out what's going on with your own credit. We're
(24:59):
speaking for experience because I was so pissed when AT
and T told me I couldn't even buy a cell phone.
I was like, Okay, I could buy houses, I can't
buy a cell phone. Something's not right here, right, But anyway,
I get off my soapbox right now. So any questions
about credit anything that comes up for you, Debbie.
Speaker 2 (25:18):
Yeah, Randy, what happens if I have a friend that's
disputed charges her acts had used her SO security number,
and she's disputed it, and they're still saying that she
owes these credit cards and she's never ever had a
credit card ever.
Speaker 1 (25:39):
So that automatically it sounds like something's wrong, right, So
she's got to go to the distance of proving that
that wasn't hers, proving that she didn't sign up for
that credit card that they have to Actually, the burden
of proof is on them. They have to prove that
she did, and if they cannot, it could be removed. Okay, Okay,
So we're not experts. So if she runs into that
(26:01):
roadblock where she's done all this it's not working. I'd
hire an attorney to fight this for There are credit
repair attorneys that are inexpensive. There are free credit repair
attorneys that are advocates, both state funded, federally funded, government
VA all kinds of different ways to get help with this.
And then and then I would put preservation into place,
(26:24):
meaning that I would get a credit watch company for
her that watches her credit to make sure this this
doesn't happen again. But if she was married and they
and and they have a legal obligation together right out credit,
it affects her and there's no way to get around that,
right right.
Speaker 2 (26:43):
I Yeah, I used to do high end collections, so I.
Speaker 1 (26:46):
Know that part.
Speaker 2 (26:47):
But I go, I just wanted to make sure. What
the if there was an attorney that could get a
hold of here in Oregon.
Speaker 1 (26:58):
Of one, But of course there are, right, That's all
they specialize in is credit repair and things like that.
So you could certainly do a lot of this stuff
with chatchiputine, now, you know. But if that didn't work,
I would I would then get an attorney because it's important, right.
I can tell you so many people have applied for
(27:19):
positions or jobs and then they get this crazy thing
that's on their credit. That's not right. There's a randy
bird in Texas. I've never been to Texas. At the time,
ten years ago, when this came up, ten or fifteen
years ago, I was buying a house. They go, oh,
you have a credit, you have a collection on your record.
I'm like, negative, Yeah, it's in Texas. I'm like, never
(27:40):
been to Texas. Well, your address is in Texas. I go, no,
it's not in Texas, right, I've never been to Texas.
And lo and behold it was a Randall R Bird
in Texas. Different social different address, different everything. But it
got associated with my credit report and it was a
nightmare to get him removed for my credit report.
Speaker 2 (28:00):
Isn't that ridiculous?
Speaker 1 (28:01):
Yeah? Well again, I hadn't.
Speaker 2 (28:03):
One other question. Did you ever get to a T
and T Because I've been thinking about leaving Verizon myself.
Speaker 1 (28:11):
I don't want to get into Verizon. And sorry, it's okay.
I just I said enough probably already, but we're just
at the end of our time and we're still looking
to get new phones. They had a thing where they
paid off your phone and gave you the brand new
iPhone seventeen and all the things that sounded appealing. So
(28:31):
they're working on it. At and T realized I showed
them my credit report and they're like, something's wrong, so right, okay, Yeah,
no worries, just curious, just curious. It's all good. So
thank you, yeah, you bet, Thank you everybody for being here.
Any other questions about credit before we wrap up, And again,
make sure you write down these numbers. Make sure you
(28:52):
put it on your calendar to call them and say
I want to get copies of my credit report, and
then when you get those, you're welcome to call back
and dispute anything that comes up on there, either through
the phone system or you could do it online and
dispute them. And then again they have it's a thirty
day clock, so if you're creative, you know, I would
do it around December seventh, personally December fourth, sixth seventh,
(29:16):
because that's that's a couple big holidays in there, and
it knocks that thirty days down to about seventeen days
really quick. Okay, very good, awesome. I appreciate you guys,
thank you for being here. Again. We kind of handle
different topics every week. Last week we did AI. This
week we're doing credit repair. So we try to make
(29:38):
a valuable for you. It's usually real estate related, but
I think this very much aligns with what we do
in real estate. So thank you for being here. I
see a couple new faces. Appreciate you and anything we
could do to support you. We're here every single week,
all right, Okay, thank you, Rendy, you bet, thanks everybody
for much have a great week and go crush it.
(30:01):
See you for now by
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