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Daniel Rosen 0:00
Hey credit score heroes. Right now we’ll speak with our latest credit score restore millionaires. Oh, Odean Lawrence & Okief Robb!. They’re right here at this time to share their inspiring tales and clarify how they went from fighting their very own credit score to making a thriving enterprise that has remodeled one million {dollars} in income. So that you higher stick round. So the large query is that this, how can we take our ardour for serving to individuals with their credit score and switch it right into a profitable enterprise with out taking loans with out spending a fortune by bootstrapping it from nothing? So we can assist the most individuals and nonetheless turn into extremely worthwhile? That’s the query, and this podcast gives you the reply. My identify is Daniel Rosen, and welcome to Credit score Restore Enterprise Secrets and techniques. Okay, if that is your first time listening to my podcast, each week I cowl business information, monetary ideas, and entrepreneurial recommendation for bootstrapping your small business from nothing. This present is a vital the right way to information for enterprise homeowners. And there is no different podcast prefer it, so you should definitely click on on that subscribe button now and prepare to start out altering lives. Okay, let’s get began. My visitor at this time our credit score restore clouds, latest millionaires, oh, Odean Lawrence & Okief Robb!, and you do not need to miss their unimaginable tales. Oh, Dean went from struggling for years, being homeless, sleeping in his automotive, to changing into a social media advertising knowledgeable, and driving a brand new Mercedes. And oh, Keith went from all types of facet hustles and getting turned down for every little thing, together with jobs due to his adverse credit. And he went from there to constructing one million greenback enterprise. And he did it whereas serving within the Navy. So please welcome to the podcast. Oh, Odean & Okief!. Hey, guys, congratulations on becoming a member of the millionaire’s membership.
Okief Robb 2:03
Thanks. Thanks a lot. Thanks for having us.
Daniel Rosen 2:06
Another factor earlier than we get into this. Okay, if I need to point out to our viewers that I do know you simply received to received out of the Navy solely couple days in the past, after eight years of service and also you had two deployments, proper? Admittedly, sure. Properly, thanks a lot on your service. Anyhow, let’s get into this. Thanks once more for being right here. And I need to know every little thing. So let’s begin with the place are you guys proper now?
Odean Lawrence 2:32
We’re in Coral Springs, Florida.
Daniel Rosen 2:33
Coral Springs. We’re in Florida.
Odean Lawrence 2:37
In order that’s south of Florida or not? It is in a county of Broward. Not too removed from Fort Lauderdale.
Daniel Rosen 2:44
Oh, received it. Okay, I bear in mind it. I do know that space as a result of I used to work cruise ships, we’d come out and in of there. Cool. Okay, so that is going to be enjoyable with each of you. So, oh, Dean, I need to ask you first, what was your life like earlier than credit score restore?
Odean Lawrence 3:00
Matt, you taking me again to the times, my life earlier than credit score restore was, such as you talked about earlier than is a battle, , , I had kids have a household, , and making an attempt to maintain a household, not with the ability to present or bringing earnings was was powerful. I struggled, I struggled to the purpose the place I used to be homeless thrice. My first time being homeless, , I received in, I received fired from my job, I used to be working for a governmental job, I received fired from there. After which after getting fired, I needed to get into life insurance coverage. So I studied to get into life insurance coverage. And whereas learning, I used to be sleeping in my automotive, , whereas going via the ups and downs, , I used to be in my chip, my son on the time and my spouse, , was staying with households and our relations and buddies. I used to be , in my automotive, , learning, going late nights at Dunkin Donuts, to guarantee that I get the entire data to go ahead. And, , that was a hit after passing this to take the state take a look at and simply have a driving drive to succeed. Properly, what have a tendency would find yourself taking place is after three years of struggling in life insurance coverage, dealing, gaining information and new friendships and relationships and so forth, I nonetheless discover myself nonetheless working useless finish jobs, , nonetheless being broke on the finish of each paycheck. And regardless of being, , going from a daily employee to a supervisor. I imply, the pay was nonetheless the pay. It got here to a degree the place, , I began to get entangled with quite a lot of completely different community advertising firms. And , simply hold it brief in 2016. I labored seven jobs, as a result of the 12 months previous to that I used to be homeless. I advised myself I might by no means undergo that scenario once more. That was my third time being homeless, and I did not need it to go in that scenario. So after some time working seven jobs knocking doorways for 18 T seven furnitures and warehouse, , calling out have people who fill out on-line resumes to attempt to get them into college. After which my final job in 2016 was working at CVS as a supervisor. I advised myself that, , I might by no means be ready like this ever once more. And it got here to a degree the place I went to a automotive supplier Daniel, I wanted a automotive, as a result of my automotive broke down engine went, proper. In order that’s that. I paid somebody to try to repair it. And so they scammed me took my cash, and I could not hear from them once more, they began the method, however then the second day, simply ghosted me. So I went to a dealership, and I went to a dealership with a pair 100 bucks, did not know what my credit score regarded like, as a result of previous to that, I advised myself, I am gonna simply give it a seven years to have all these items fall off. And, , I went to the automotive dealership, the automotive supplier got here again, , every little thing was good earlier than. After which he went to go run my credit score. After which when he ran in a, , took some time to come back again, my cousin, I used to be sitting on the desk, I always remember it. And whereas we had been sitting on the desk, , I noticed him come again sort of holding his head, on my head. And like, man, he is considering of what to say now. So he got here in, he sat down, he is like, Alright, so here is what we’ve, I can not get you the automotive that you simply needed. I needed to wind up window automotive, , give me the , the solar, no sunroof, give me the hubcaps on the automotive, like, give me the essential kind of automotive. And he advised me, I can not offer you something until you pay 5 to $10,000 down. Thoughts you, I am taking a look at a $14,000 automotive. So I felt some kind of approach. At that time, Daniel felt like I am failing as a person as an individual. I felt like there’s like, I’ve tried a lot. And nothing is definitely working for me to the purpose the place I am not, , at this place. And I simply bear in mind my cousin driving me residence, I stated to myself, this may by no means ever occur once more. And some weeks later, , I am a praying individual. So praying and asking for one thing to model new to come back my approach. And affiliate at a time reached out to me like, hey, , let me introduce you to credit score. And he launched me to credit score with the corporate, , received concerned, however I am a analytical individual I began learning and actually understanding what credit score is all about. I used to be capable of then work alone credit score after just a few months. After which in seven brief months, I used to be capable of perceive how all this works, after which took myself from an reasonably priced for 14 419 credit score rating, after which jumped my rating. 256 factors into the seven a whole bunch. And that is that is how every little thing began. Wow, that is
Daniel Rosen 7:37
superb. That is actually superb. And I perceive what it is prefer to be at all-time low and be homeless. I I have been homeless, and, after which to love uncover how the system actually is designed to harm individuals. It is it is horrible, it is prison. And however there’s a lot cash behind it. And so they make a lot cash from it. It is simply terrible. I that’s an incredible story that in such a short while then when you studied you bought your your rating up a lot. That is That is unimaginable. Now, how about how about you? Oh, Keith, what was your life like earlier than credit score restore?
Okief Robb 8:17
Properly, my life for for credit score restore? Properly, I moved to the USA, I am born Jamaican. So I moved to the US in 2008 for college, did effectively again in Jamaica, , in class and just about, , apply for college up right here and received via. In order that’s how I received to the states. So I got here right here, , completed college, received a level excited. I used to be like, wow, okay, I received a level now, , I can go do any job I need to do. Lo and behold, no one desires to rent me as a result of I’ve no expertise. Proper? In order that in there, I take a look at it. I am like, wow, that is actually how the varsity system is ready up. You recognize, no one desires to offer me that have. How am I going to get that have? Proper? If no one desires to offer it to me. So after I graduated, I began doing an entire lot of various jobs as a result of it was like, Okay, I must I must so I received into an entire lot of name centre jobs. And let me let you know, I offered every little thing I offered from perfumes and colognes on the streets of Miami, to magazines, to magazines, proper. And jumped from job to job as a result of I simply had that feeling of dissatisfaction. I knew there’s extra to this. It will probably’t simply be what I am seeing at face worth proper now. Proper so I used to be a cable man. final job I did earlier than I joined the army. I used to be truly a truck driver and drove cross nation in each single state there’s snow heist and sleet and summertime within the wintertime. You recognize, that was that was me after which I wanted one thing extra full and extra, extra profession kind, like one thing extra sturdy, as a result of there was some good friend of mine on the market driving, I do not perceive how any individual hit your trailer, that arm within the again in your blind spot, and it is your fault, and also you’re getting fired. So after I noticed that, I used to be like, You recognize what, that might occur to me too, and I simply lose my job. So what I truly did, I had a visit that was from California to Miami, I did that journey with a plan to not return on the market ever once more. Once I received to Miami, I name the corporate I am like, I am completed. Y’all want to come back decide up your truck. After which after that, I went to a plaza. And there have been like, all of the army branches there. That was Military, Navy, Marine coast, guard all of them. And I stated to myself, You recognize what, I am gonna go down the road. Let’s have a look at, who takes me. So I went to Air Pressure, they did not take me that I went to Navy. And so they took me in the event that they did not take me out to go to Marine, , to go to military, and I find yourself in one in all them. As a result of I knew I wanted slightly bit extra of a profession. So after I received in, , I did actually good. However then I realised that I’ve to have one thing of my very own. Proper, I’ve to have one thing constructing on the skin, within the occasion that I must get out, or something should not occur to me and I get out, then I’ve one thing alone. So why joined a community advertising firm? That is the place I met Odin, in 2016. And from there, it is simply historical past. We began trying into credit score, began learning credit score on a on one other degree begin engaged on our personal credit score. After which we had a shiny thought why not we do that? Why do not we arrange a enterprise? Proper? And oh, Dean, , he is a person of imaginative and prescient, , you meet the best individuals on the proper time. And, , we simply put collectively and we actual credit score deal was extra.
Daniel Rosen 12:00
Wow, that’s superior. And what number of years in the past? Did you each begin this enterprise?
Odean Lawrence 12:06
2016? I believe it was like, September, October and September
Okief Robb 12:11
that week, the concept, , from there, and right here we’re.
Daniel Rosen 12:18
Wow. And that is? At this level. You are within the Navy. O’Keeffe. Sure. And the way do you run a enterprise? While you’re within the Navy? How does that work?
Okief Robb 12:29
Properly, what I might say is, once you’re within the army, you must be good, proper? You need to be good. As a result of should you’re not good, you’ll find yourself in locations that you do not need to find yourself. So you must take management, although you do not have a lot management. However the little that it provides you, you must exploit it. And that is what I did after I was within the army to be within the locations that I would like it to be. Proper. So the one locations that I did not need it to be is on these two deployments. Nevertheless it was wasn’t skilled, I might say. Nevertheless it was simply being good. That is that is that is the reply to your query.
Daniel Rosen 13:07
Yeah. And having drive. And so that you began your small business in 2016. And for a way lengthy? Was it simply the 2 of you working the enterprise? So
Odean Lawrence 13:21
we we each I imply, got here up with the concept behind beginning a credit score restore firm. Daniel, I am being straight. frank with you. It was powerful. It was difficult. Robust, proper? I imply, we went via I imply, at this level, younger, formidable, energetic, we simply need to get it out, get on the market and simply do it. Proper. And at all times I at all times return to the ebook from Robert Kiyosaki, Wealthy Dad, Poor Dad, when when him and his good friend was within the driveway, and so they had been making, , nickels. And it was like counterfeit nickels? Properly, that they had this drive and fervour to do one thing. In order that’s the place , it began. However we had been taken benefit off and sense the place we did not actually perceive enterprise vernacular. So we had been taking benefit, , we have gotten our cash stolen 1000s of {dollars}, , making an attempt to construct an internet site making an attempt to construct a payout programme for individuals who would possibly companions who would possibly need to be a part of the programme. I imply, we went via so , numerous quantity of people or companies that both did not work out or actually simply took our cash and ran. And I simply bear in mind, there have been instances even in 2018, we’re considering like, Man, this factor isn’t working. It isn’t getting off the bottom. I imply, we could not even get clients to actually come into the programme on a constant foundation. And it got here to a degree the place it was simply artwork we’re gonna we’re gonna give this factor go once more. We went again at it and 2019 related with somebody who was supposed to assist us construct the entire platform out that we had so far as imaginative and prescient after which we received robbed then once more, proper Um, I might say, Rob, as a result of they did not present a worth or they did not present what they promised to supply. And, , it was like, Okay, we’re gonna, we’re gonna determine this factor out. Put it on a easy easy pause, proper? We wasn’t actually really lively with it. However we had been nonetheless within the background, making an attempt to determine this isn’t what that is what we’re not going to do, that is what we’ll do. After which we proceed to check and examine in enterprise on a distinct degree how how enterprise works. So as a substitute of placing it in different individuals’s fingers, we begin to perceive it for ourselves. So we do not undergo that scenario once more, proper? It is a has the identical for me. Solely as soon as, disgrace on you idiot me twice. Disgrace on me. Proper. So we could not have that once more. In order that’s your query, Daniel.
Daniel Rosen 15:46
Wow. So then you definately relaunch the enterprise, discovered about enterprise? After which went all in? However first alongside the best way, had been there mentors or these sort of mentor individuals you are speaking about? No mentors, no mentors, okay, simply individuals who would do companies that might rip you off? I have been via that. Right. It is actually exhausting. When once you need to begin a enterprise, you’ve this nice thought, however you do not know the place, who to go to. And you may see a shiny advert or some, hey, this man can do one thing. And but all of it falls aside. It is by no means delivered. And, and so they take all of your cash, he had been there one million million instances. So then you definately went all in, study the stuff. And, after which so was it like 2019 2020, that you simply actually went all in 2020 2020? It is after we had the pandemic,
Odean Lawrence 16:37
that is after we had the pandemic. Oh, my God, it was it was ironic, as a result of when that occurred, , everybody’s not compelled to be inside. And O’Keefe and I, our communications, and simply day-after-day we speaking about enterprise, , day-after-day we hammer in it, how can we turn into higher? And I always remember, it was July, I believe it is the tip of June, yeah, across the finish of June, or near the tip of June 2020. Sadly, I received COVID. Proper. For six months, I did not go outdoors. After which the one time a good friend reached out to me stated, hey, , , come by glided by, , minimize COVID from there. And I used to be in mentally and bodily the worst form of my life. Now, I used to be nonetheless doing credit score restore, however I used to be doing it as a person, , doing the entire money, upsell, funds, bill and so forth. So there was no construction, there was no, , all of that was not there. And I keep in mind that wherever. It got here to thoughts. Like, what should you such as you’re the breadwinner, proper? You are bringing the earnings for your loved ones? However what if, God forbid, you were not right here anymore? What would occur to your loved ones, your children? What would you permit them? I imply, you doing this credit score, and you have been doing it for therefore lengthy, and you continue to have not had it up off the bottom? You probably did all of the learning, what are you going to do with it? So, , I bear in mind getting, , Keith speaking and that I discussed to him precisely what I am sharing with you in that. Not verbatim, however talked about it to him. And he is like, , let’s go all in. So we took the entire information that we have already gained through the years, what to do, what to not do the entire enterprise schooling that we have studied, with none mentor, and all of the credit score schooling that we have already understood and studied. And we stated, You recognize what, we’re simply gonna go all in. And we went all in. And 2020 of July is after we registered our enterprise formally. And from there, , we did six figures in our first 5 months of launching, formally launching.
Daniel Rosen 18:44
Wow, throughout a pandemic, six figures, unbelievable. And self taught. How did you study all of the components about placing collectively a enterprise and different components individuals do not know, at the beginning of the right way to create your processes and your methods and SOPs? You’ve got received all that now, proper? Completely. Yeah. How did you learn to do this?
Okief Robb 19:08
Properly, we truly, effectively, let me simply put it this manner. As dean stated earlier, we’re a praying workforce. We’re at all times praying. So we at all times have God within the midst of actual credit score, can we truly discard it in it? There’s quite a lot of information, quite a lot of data on the web, and the right way to say, as an illustration, register your small business, the right way to get your DUNS quantity, the right way to get your EIN, the right way to, , arrange your tax construction, no matter it’s, proper? As a result of we’re in 2022. You recognize, data is on the tip of your fingertips. In order that’s how we get our data and we and thru trial and error, as a result of once more, it wasn’t clean all the best way. It is by no means clean all the best way. All proper. You do not see how it is there’s It isn’t doable to clean your approach to success, , you must fall down and stand up, brush off, you would possibly get slightly, , , the cuts right here and there, proper? In order that’s just about how we did it via trial and error and simply learning and researching. That is superb.
Daniel Rosen 20:17
We’re right here at CRC, we’ve a mentor, who we discovered methods and processes from his identify is Alec scharffen. However he has a saying, your small business is damaged. And if all goes effectively, it at all times might be. It at all times appears like that. I imply, final evening, I used to be I like had a panic assault and, and my girlfriend goes, Are you okay? And I am going, No, our enterprise is on hearth. You recognize, the sensation do not present. And regardless of the place you are at, that is what it is at all times going to be. Nevertheless it simply makes you stronger and stronger. And you may deal with an increasing number of Am I proper? Positively. Very, very cool. Now, I perceive early on. Oh, Dean. Did you’ll okay, if you have not had credit score points, have you ever?
Okief Robb 21:05
I’ve had credit score points, very adverse credit points.
Daniel Rosen 21:09
Properly, alongside the best way, Did both of you run into credit score restore? Scammers? Sure. Inform me about that. And what scams had been they working? What occurred?
Okief Robb 21:19
Properly, in my case, , I used to be simply promised to get my my credit score report cleaned, , they’ve a phrase for it was like a clear sweep.
Daniel Rosen 21:35
Sweep away the lavatory.
Okief Robb 21:37
Simply pay me $1,200 or no matter it could I do not clear your credit score for you. And I will offer you a commerce line. On high of that on the again finish. None of that occurred. Yeah. So it is on the market. And it is scary. It is on the market. And it is actually, actually scary.
Daniel Rosen 21:55
Oh, yeah. For individuals listening who do not know what a credit score sweep is. I ought to clarify what a credit score sweep actually is. As a result of it is actually scary. And really unlawful. They really file false police stories for id theft. And positive the gadgets get eliminated immediately. However they arrive again. However alongside the best way, it opens up in an investigation after which the police and the FBI and it is one thing you do not need to do. Should you’re should you’re watching this or listening to this don’t do credit score sweeps individuals go to jail for credit score credit score sweeps, you bought to do it the best approach. I am sorry, that occurred to you. However you did not get into they did not truly do the credit score sweep. You did not get any bother.
Okief Robb 22:44
I did not get in any bother, per se. However I simply did not get what they promised. You recognize, I did not get a commerce line. You recognize, so it is, it is a very scary factor. And it is that there are of us on the market doing that to weak individuals. That that’s actually unhappy.
Daniel Rosen 23:03
Yeah, particularly when you possibly can do credit score restore the best approach. I imply, actually eradicating errors. And since there’s so many errors, and even correct gadgets, there’s one thing inaccurate about how they’re being reported.
Odean Lawrence 23:17
Proper. And so as to add to that, as effectively, it places the places individuals within the way of thinking that every one firms are just about gonna do that. And the area of credit score restore is scorching inside itself. So for people who do this, after which , individuals speak, one of many quickest approach to journey data is thru phrase of mouth. So if, if I get that kind of expertise, and I share it with 10 individuals, and so they go on, they multiply that and so they put it on social media and these days, , it makes it tougher for the businesses who’re truly doing the best factor to really achieve success. Sure,
Daniel Rosen 23:53
positive. Certain. It is, it is slightly just like the Wild West. However good guys, like all of us are right here in we’ll hold every little thing going the best approach. Hey, I need to know what as a substitute of happening, let’s go up. How has this new enterprise modified your life, each of you.
Okief Robb 24:15
You need to go first?
Odean Lawrence 24:18
In so some ways, Daniel? Before everything, I gotta at all times give it again to them for the Most Excessive man, , as a result of if with out him, we would not be right here. It is modified me mentally modified the best way that I take a look at enterprise and an entire taught me a lot about enterprise that I by no means knew about. And what I did not learn about, , entering into the area. It simply began to, to coach me extra, , desirous to know extra. Financially, it has been capable of put my kids in personal faculties, one thing I’ve at all times been dreaming of doing after I was youthful, and it has been in a position to do this. For me. Being concerned in credit score area has additionally been capable of change my zip code and It adjustments zip code, it additionally adjustments kids’s college. So it has been capable of put take me out of a tough neighbourhood, , after which put me in a greater, higher place higher place that I am happy with up to now in the mean time till I am prepared to maneuver once more. Financially has modified our financial institution accounts as effectively. So it is undoubtedly modified in several brackets of life. And I am grateful for it. Positively.
Daniel Rosen 25:27
That’s so superior. Good for you. How about you? Okay,
Okief Robb 25:30
effectively, as for me, this this area, I’ve at all times cherished enterprise, at all times, at all times the enterprise. And simply the chance to have a my very own or our personal enterprise at this level. And all of the issues that I’ve discovered together with it, it simply modified my thoughts body, it simply places me on a distinct degree of considering. On the entire, so far as financially, in fact, it modified my checking account, it does put some zeros behind. behind some, , some numbers. So far as my zip code that modified my zip code, in fact, I haven’t got any children but. So, I imply, however once they do come alongside on this world, I am positive they are going to be higher off as a result of, , my, our exhausting work, and dedication and persistence created one thing that may, , they are going to, , dwell off their, , create a legacy.
Daniel Rosen 26:30
Very cool.
Odean Lawrence 26:31
And if I’ll add, Danny, it additionally allowed me to buy my dream automotive on the time, proper? No extra driving out, it was, , nothing flawed with, , state being the place you’re in, in transitioning, however you are no extra worrying about, is the engine going blow? Or is there gonna be smoke popping out of this to the entrance a part of the automotive. So I used to be capable of do all of that via utilizing my credit score, proper, did not put any cash down. So it was a type of eventualities, constructed my credit score, received into, right into a Mercedes, and never put any cash all the way down to signal and drive.
Daniel Rosen 27:07
superb, simply superb. Hate for both of you, or each of you? What was your best battle when getting this enterprise began?
Okief Robb 27:21
Okay, it is sort of like, Oh, which one is above which I might say for me, one of many best battle constructing this enterprise is, , the individuals that you simply met alongside the best way, like already talked about earlier, a part of organising this enterprise, there have been like a Porsche again a bit, a block of time, , possibly two or three years or so, the place we simply run into, into of us that simply see us hungry, decided, and needs to start out this enterprise, , we inform them, That is what we wish. And so they say, Okay, that is what I am gonna offer you. This, it wasn’t on value. And we had been like, Okay, we discover it. And we give it to them, after which we get nothing. So I might say, that was probably the most tough half that, , for me, , we needed to undergo to get to success with this enterprise.
Odean Lawrence 28:15
For me, software program’s aren’t my strengths, proper? Okay, for tech man, he loves, , the entire tech stuff, and I can not stand them. Nevertheless it there have been instances when choices needed to be made proper government choices amongst us with a view to develop our enterprise, and never keep the identical, or to alter sure know-how or software program’s that we’re utilizing, on the time to guarantee that, okay, issues are going to fade out, we simply have to use this stretch technique or apply the software program and develop. And in doing so, it did value us fairly sum of money. As a result of once more, we had no mentor. So , getting softwares, and so forth. And going via the entire ring of that was additionally difficult for me, personally, however , after going via that first full 12 months, and seeing okay, that is what our bills appear to be on software program’s, , now it places us in a greater place to say, Okay, now we will undoubtedly do higher as a result of I take a look at it like this, we went via this course of with none true instructor or mentor. So we needed to pay the schooling with a view to study. So we paid our tuition, after which now quite a lot of these issues turned so much simpler.
Daniel Rosen 29:31
Completely. And what are a few of the largest errors you made when first beginning out?
Odean Lawrence 29:38
Select and select in Service provider firms. Everyone’s digging in your account, and you bought to seek out just be sure you select one of many ones which might be truly going to work with you. So for me, that is one
Okief Robb 29:52
effectively, I’ll say as for me, that is one of many massive one too, as a result of they maintain on to your cash.
Daniel Rosen 29:57
Oh, yeah. And so they’re difficult one You need to go away a few of them?
Okief Robb 30:02
Very difficult, very difficult. In order that’s one of many largest classes. I’ve discovered.
Odean Lawrence 30:08
Retailers and software program firms been very, very cautious. I imply, now we’ve our attorneys trying via our agreements earlier than we signal to something, as a result of it is a few of these software program firms, such as you talked about which might be difficult. And then you definately push via and assume and , all this as effectively, due to the webinar, then then when come time, , to just accept cost or to pay. It is an entire completely different ballgame, , so simply watch out, aware of whom you go to relating to retailers and software program’s
Okief Robb 30:39
and skim that settlement, get that settlement reviewed by an lawyer, as a result of there may be some tiny clause there someplace that actually will get you caught for possibly 36 months, or 12 months, or no matter it’s. After which they’ve a extremely difficult approach so that you can cancel, you must ship an e mail in saying XYZ verbatim, or, , you actually need to watch out of who you do enterprise with and be sure you overview these agreements.
Daniel Rosen 31:11
Completely. Yeah. With the service provider accounts. Yeah, it is quite a lot of them have a gnarly contract. However just a few don’t have any contract. And quite a lot of them have a gnarly exit the place you are you get penalised. You need to pay some huge cash to go away. Precisely. However there’s some that that do not have that in any respect. I just like the pleasant ones that do not have that stuff. As a result of these different ones prey on individuals for positive. While you received the enterprise going, did you begin with take a look at purchasers to get testimonials or something? No. Proper into getting purchasers? How did you discover your first actual purchasers?
Odean Lawrence 31:49
As a result of I’ve, , since 2016, certainly, and main up into the years, I used to be doing credit score restore, , as I discussed, I did credit score restore. So earnings was I imply, studying the right way to market was one thing I discovered. So I began to leverage Fb, personally earlier than the corporate, that is how I created my first six figures with simply advertising, via social media, Fb, notably. And I believe in 2018, a good friend stated, hey, why you are not utilizing Instagram, you are leaving some huge cash on the desk. So it was simply ALRIGHT, taking the content material, after which making use of it to the opposite platform, and a few of the contents of what I might put up with the thought upsetting contents, proper? Issues that, , you do not need to at all times hit individuals with, possibly put a pair posts who need to repair their credit score, and somebody will reply and say me, me, however , we’re speaking about entering into the, to the listing. So we’d then, , then capitalise on, all proper, what are individuals in search of? What are their ache factors, what are , what makes them go, , I actually need to change, and we began to focus on issues that folks need put your kids in a greater place, , who desires to alter the youngsters’s zip code, , issues like Goal posts like that may then begin bringing individuals. After which we additionally began to put up contents which might be, are academic about credit score. So now we’re not simply giving them one model of market, and we’re giving them a number of kinds of marking. So I used to be capable of construct up a following from there. After which from there, it is like, alright, we received the enterprise registered, every little thing is trying good. All proper, and we simply, , labored with influencers as effectively. One thing that I used to show is how to herald extra enterprise in order that once you may be fingers free, so to talk. So we’d, , attain out to influencers and negotiate a price with them. Or in the event that they have already got a value that was cheap for us, then we’ll pay them the worth that they provide. After which, , we’ll take a look at out just a few every little thing was like trial and errors relating to influencers, as a result of not each influencers work. However, , we’d take a look at out what kind of companies are coming via from these and are they critical or not. After which from there, like I stated, okay, as a result of a methods man, , got here up with the methods of funnelling every little thing via and it was similar to, alright, taking what I have already got as a information, plugging it via the system, okay, created after which every little thing simply began to movement.
Daniel Rosen 34:18
Wow, that is very cool. I need to get into the to the automations half in a minute. However first, I need to ask, since you talked about one thing actually cool. You talked about influencers, what’s your course of for recruiting and partnering with influencers? How does that work?
Odean Lawrence 34:35
I prefer to hold issues easy, proper. So I’ve overcomplicated I simply look on Instagram, for instance, or Fb. So let’s simply say Fb. I might go on Fb and I will kind in within the search bar. Uber. Uber, individuals are impartial staff, they’re trying to make some cash. So typing Uber and it’ll populate everybody who associates himself with Uber on Fb. Now as soon as I do that’s the listing comes up, I am going via, and I good friend requests as many as I can. And our good friend requests a pair. And by the best way, should you’re not tight tackling 100 individuals a day, you are lacking out. So my purpose was I am contacting 100 individuals a day, I am not simply going to do one or two. So I attain out to 100 folks that that drives Uber, in our good friend request them, after which I will go on to the subsequent hour, possibly typing and realtors, and a bunch of realtors will pop up and I will do the identical factor, , add, add everybody as that I can. So as soon as I attain my 100 for the day, I am good. I simply watch for , for them to reply. So then the subsequent day, I am touching one other 100 once more. So for many who did not reply the primary day, it is similar to a snowball impact who simply trickle in little by little over the times. Now as soon as I get in entrance of that individual, then through pc, then I am simply going to ask, Hey, , how a lot should you had been to work with realtors, I might ask them if, if how a lot cash are you dropping by not having a good credit score restore firm in your facet? Now for an precise influencer, I usually go to Instagram for that, proper? So Fb might be for anybody , that’s an impartial proprietor, insurance coverage brokers, Uber drivers, Lyft, drivers, realtors, and so forth. Now on Instagram, I work it slightly completely different truly goal influencers. Now on Instagram, what I might do is I will kind in comedy, proper within the search bar, I do know a bunch of comedy lists will come up and it’ll present you that this influencer has 100,000 followers, and we’re going I will verify their engagement on their posts, as a result of I do not care concerning the 100,000. You should purchase these. However I need to see the engagement. And I will undergo and I will take a look at what kind of engagements are these posts having. So I will click on a pair random posts. And if there is a variation of engagements, then I will attain out to that affect. And I will say one thing like, Hey, Danny, , congratulations on all of your success. Simply curious. How a lot do you cost on your promotions? That is it. And I will simply hyperlink up 100 individuals on Instagram. And I will watch for anybody to reply again to me.
Daniel Rosen 37:13
Wow. And what would possibly that value to rent any individual like that?
Odean Lawrence 37:18
It is dependent upon on in the event that they’re too excessive if their value level is out of my funds, and I am not keen to spend and I am not going to work with them. However on common $50 For story 100 bucks for story posts, our journey, we examined out with tales as a result of it provides you extra engagement. After which possibly they’re going to cost 150 to $300 for the precise posts. A few of them will go away it off ceaselessly. A few of them will take it down after 24 hours. So I will simply gauge Okay, am I going to pay $150 for twenty-four hours, let me actually dissect this minimize this individual and see what they’re actually bringing to the desk. If it is sensible, then I will go forward and I will take a look at them out. I imply, you will not know till you strive. So I might pay the 150. After which for that 24 hours, I am fully engaged with the put up that they are placing up.
Daniel Rosen 38:15
Wow, that’s fascinating. Okay, so then as soon as the leads are available, and and you have got their contact data, O’Keefe, what sort of automations do you guys use? What are your favourites?
Okief Robb 38:30
Properly, we’ve numerous software program’s the place use alongside the strains of Energetic Marketing campaign, Zoho purpose excessive degree software program’s like that actually central, , software program’s alongside that line, however what was actually the sport changer was the power to arrange an entire workforce. And children, , teamwork makes the dream work, proper. To have a customer support workforce, , to have our workforce that does, , the letters and all that good things. Proper? That is that that was an actual sport changer that slot in, proper, what the advertising a workforce that is devoted as effectively. You recognize, what I imply? To the trigger, , believes within the dream.
Daniel Rosen 39:23
Okay, for example somebody reaches out however they don’t seem to be able to be come a consumer, do you’ve them? Do you’ve the Energetic Marketing campaign doing a drip sequence to them?
Okief Robb 39:32
Sure. So we’ve the Energetic Marketing campaign that , sends out that , data to them. You recognize, issues alongside the strains is noticed that you simply had been to know what occurred. stuff alongside the strains of be harmful to get in proper again in proper. So we do have that I might say it in all probability wants slightly bit extra work, , to get it refined. Um, however we do have that system.
Daniel Rosen 40:02
After which when any individual turns into a buyer, do you’ve extra nurture sequences for for present clients?
Okief Robb 40:09
Sure, we do as effectively, academic items, reminders, , academic items, reminders, and so forth, exit to them. So, we do have that.
Odean Lawrence 40:22
And we even have our workforce comply with up with them as effectively. So even should you’re a prospect, and also you did not join at this time, it is obligatory that everybody does get a comply with up. So we return via the listing, I imply, the cash is at all times within the listing and the comply with up. So we’ll return and you will ship them an e mail if essential. And the identical, , as soon as the consumer will get on board, we additionally do, like O’Keefe talked about, the drip campaigns with emails, textual content messages. However we additionally comply with up each month, , it is within the area. Like I discussed earlier than, it is it is sort of tainted, proper? With a lot wrongful exercise that is occurring, I need to guarantee that we give our purchasers a concierge really feel a real feeling that you simply’re part of a household. So , we do a month-to-month comply with up as effectively to guarantee that every individual is catered to.
Okief Robb 41:10
So let go Dean talked about, we’re a household. That is how we take a look at actual credit score deal from our workforce that takes care of our clients, to the purchasers as effectively. We take a look at it and the household and household takes care of the household. So just about everybody has with us, we at all times strive to ensure they get what they pay for, we do not need anybody to be on our programme has to have one thing to say like, I did not get what I paid for. As a result of we have been down that highway, quite a lot of instances the place we pay for one thing and did not get what we pay for. So when it comes on to our purchasers, we’re very, very, very critical. And ensuring they get what they pay for. You pay for service with us, you’re going to get it. And that is what we’re a part of our programme is, , and I will say this may be slightly secret sauce. But when any individual is on our programme, and so they imagine they have not received what they pay for, we stated, hey, come again right here. All proper, we’re gonna go forward and do that once more for an additional three months, give us the chance to do it for you for an additional three months. Proper. In order that’s, that is one factor we do exactly to indicate that we actually, actually, actually care about our purchasers,
Odean Lawrence 42:28
no prices,
Okief Robb 42:29
and no prices, and no prices. So business in an area that I like or dimension is so tainted, we need to make the distinction. We need to be that firm that delivers to our consumer.
Daniel Rosen 42:45
That is superior. That is superior. We really feel the identical approach right here. Are you a distant firm? Is everybody working from residence?
Odean Lawrence 42:53
Yeah, effectively, it’s. Distant. In a way. However however but it surely’s not there is no workplace area. If that is sensible. The place , we’ve a workers coming in every little thing is certainly on-line.
Daniel Rosen 43:10
Yeah. Superior. Identical for us. We’ve we’ve an workplace right here that I am sitting in, however our workforce is everywhere in the world.
Okief Robb 43:18
Proper. So we’re structured in sort of like the identical method.
Daniel Rosen 43:21
Yeah. Though I like having the workplace to come back to do you ever plan to have a brick and mortar location? Or?
Odean Lawrence 43:28
Oh, completely. Oh, that is that is making a throughout the subsequent 12 months. I imply, we’ve our workplace area that we go to sure. However once more, not for a workforce of workers. So that’s undoubtedly one thing that we’re engaged on throughout the subsequent 12 months.
Daniel Rosen 43:45
Superior. Superior. Okay, if I needed to ask you, what did you study from the army that is helped you with your small business?
Okief Robb 43:54
That is a fantastic query. That is a wonderful query. I believe if I did not be a part of the army and get that have, I would not have actually what it takes to run this enterprise. While you be a part of the army, instil a way of management, as you go from the bottom rank to the to increased rating, now you are in command of individuals, you truly get the power, the power to result in be a frontrunner. Proper? And actually, I watch every little thing. I take a look at it this manner. I take a look at it this manner. Like I inform my workforce the identical factor. The US Navy is among the is the world’s best identify. As we stand proper now. Loads of minds went into constructing the US Navy. Loads of quite a lot of minds, good minds, proper, went into constructing the Navy. And if it nonetheless stands at this time, how have the world’s best Navy since inception, then it should be doing one thing good. So what I do is I watch every little thing they do. I study every little thing they do. I see how they do the awards, I see how they, , give recognition. I see how they prepare search engine marketing, I discovered all of that. After which I instilled it in my enterprise. Just about, actually, most of my workforce proper now I get on the cellphone with them. They’re gonna be like, copy, sir, copy, copy, slightly than. In order that’s, , as a result of I am a person of construction, I discovered that construction from the army. And I took that, and I instil it into actual credit score.
Daniel Rosen 45:47
I like that. Okay, we’re gonna swap gears for a minute, I’ll ask you guys a pair speedy questions. After which both of you reply with the very first thing that pops into your head. Okay. Certain. What drives and motivates you,
Odean Lawrence 46:05
kids?
Daniel Rosen 46:07
Is there a particular enterprise individual that conjures up you? And why?
Odean Lawrence 46:12
Warren Buffett? Ah, I like Warren Buffett. And who Daymond John
Daniel Rosen 46:19
Howard Daymond. John. Yeah, he is additionally
Okief Robb 46:21
good for me as a result of he is good. And he is aware of the right way to place himself. And instances, like these. You recognize, what, should you return to the.com, increase, he positioned himself correctly, and got here out to being one of many richest man on the planet. Proper. In order that’s why I love him as a businessman. And for
Odean Lawrence 46:45
me, Daymond Is it due to his hustle, and I simply listened to studying his books, going again to tales of when he first began, , promoting the streets. And it simply jogs my memory of my entrepreneurs, spirit. You recognize, even after I did not have I did not have a lot or something, , I am on the market promoting, , simply simply buying and selling off no matter time however I had to ensure I am going on the market and supply a greater future for my little one, my kids, my household. In order that’s why I selected him.
Daniel Rosen 47:12
Superior. Superior. Okay, for each of you, what’s your small business superpower?
Odean Lawrence 47:19
serving to good individuals with adverse credit.
Okief Robb 47:22
I will say my enterprise superpower is like, seen past the past the horizon, I’ve a way to love, see one thing coming. And simply put it into like perspective, primarily based on what’s taking place proper
Odean Lawrence 47:36
now. And, like O’Keefe talked about, and being a visionary, there’s loopy instances I will get concepts, and sounds loopy, however then we’ll apply it after which increase, it takes our enterprise to a different degree.
Daniel Rosen 47:51
That is superior. What does enterprise possession imply to you,
Odean Lawrence 47:55
means every little thing. It provides us the liberty, it provides me the liberty to have the ability to assume, freely assume clearly with none cap, no, I assume cap is us completely different in these societies these days, proper? However with out having any ceilings, proper? So we, , that for me, it simply provides me a way of, okay, I can go wherever on the planet, I am not restricted to only a nation, I actually can go wherever on the planet, and conduct enterprise, it is taught us a
Okief Robb 48:25
lot. That is for me, freedom, and simply the sensation that I put meals on different individuals’s desk. You recognize, it is simply fill in for me. On high of that, simply the truth that no, that is the truth that I am serving to others, , inside a system that no one taught them monetary literacy. You recognize, they went to varsity all the best way up College, and they do not know monetary literacy. So simply the truth that I can assist them with that information and train them the right way to the right way to use a bank card, how credit score works, proper? Serving to them to higher themselves, and on the similar time offering employment for people on the market, , they’re feeding their households, , together with the liberty that it provides us, proper? It is simply fulfilled and so that is what enterprise possession.
Daniel Rosen 49:27
Superior. I do know why you guys are doing so effectively. This was all coming out of your coronary heart. That is why what’s your definition of success?
Okief Robb 49:36
by no means given up persistence. Simply by no means surrender? For me. Should you surrender and you do not have a narrative to inform, the one factor you must inform is that you simply gave up. You’ll be able to’t encourage anybody with that. You recognize, we might have gave up we felt it generally come alongside alongside. And I can not be bothered with this anymore, however we simply by no means gave up You are pushing, pushing, pushing. In order that’s my definition of success. You simply received to maintain going.
Odean Lawrence 50:05
And for me, it is extra so. I imply, along with what O’Keefe stated, it is so as to add a legacy for my kids. In order that when years after after I’m not, , round to beat dad, proper? They, they’ve one thing robust behind them. That is, that is that is already been constructed. After which that is additionally leaving an schooling that they will comply with. As a result of, I imply, all of us are underneath, underneath, underneath the understanding that we had been by no means taught about credit score, nor monetary literacy in South Florida, so. However yeah, we have by no means taught that literacy. So for me, it is to go away that legacy behind.
Daniel Rosen 50:47
Yeah, all of us study it by trial and error, credit score and finance,
Odean Lawrence 50:51
wishing we in life, , sure, yeah.
Daniel Rosen 50:53
Do you’ve another recommendation for somebody simply beginning a enterprise?
Odean Lawrence 50:59
Oh, yeah. Nevertheless it will not be one, day one, mentally it is a psychological sport, you bought to mentally be there, proper. As a result of this, I imply, being a enterprise proprietor isn’t straightforward. And it’ll strive your persistence, it is going to strive I might say your soul, proper? I perceive the soul is being your thoughts, your will and your emotion. And if one thing is ready to interrupt that, then every little thing else goes out the window. So you must be keen to to undergo the take a look at of instances. Second to that isn’t to hearken to those that’s in your air. numerous quantity of individuals, oh, that is not working. How lengthy have you ever been making an attempt this, how lengthy you’ve got been doing, that that. So to not hearken to these people who might imagine they’ve the most effective intentions for you. Whereas they might have the most effective intentions. However what they’re telling you isn’t understanding or it is not falling in alignment with the imaginative and prescient that you’ve got in play. Additionally pray, I imply, I do not put my religion on anybody. However that is what helped us all through the method, even after we had been going via these trials and instances, , to hope. After which relating to constructing the enterprise, search recommendation, search assist. Search those that have completed it earlier than you after which can assist you to do it. Or perceive that that is going to take me time as a result of I’ve by no means completed this earlier than. And go all in learning each little bit of it. If you do not have the time to then examine once more, return to a mentor who’ve completed it earlier than you after which that may additionally give you the best way to go.
Daniel Rosen 52:31
Superior. And what’s subsequent for you guys, do you’ve plans to start out extra companies or write a ebook or what is the subsequent massive purpose?
Odean Lawrence 52:40
A little bit of each, we have already got one other enterprise and the works, that we’re creating, , constructing that up from the bottom, that is going to be catered or tailor-made to enterprise enterprise homeowners or people who need to begin a enterprise. After which , we’re trying to put them ready to just about have a fast cookie cutter technique, however a easy step approach the place they will get in, , be educated mentally on on the right way to put together their thoughts, after which plug them into perceive the steps of what to do. So that is the first step, formulation, formation of your small business. That is step two, proper, ensuring that every one of that is , step two is accomplished, after which we’ll be going from there. So yeah, enterprise enterprise constructing.
Daniel Rosen 53:34
That is superior. Okay, final query of the day. How does it really feel to be a credit score restore millionaire?
Odean Lawrence 53:43
Oh, man, I imply, it brings pleasure, it brings pleasure to me. I do know, it brings pleasure to Keith as effectively. My household. I imagine that I am the primary documented millionaire in my household. So I a humble child coming from Jamaica, , coming from the nation, , coming to America barely understanding the right way to converse English correctly, , getting beat up as a result of I did not perceive the right way to converse English, , after which going via highschool end not even ending faculty, I dropped out of school. And everybody’s telling me to return to highschool, get get a profession, get a level and my ardour, my talents saying , there’s received to be one thing else out right here than that. Not not in class in any respect. However I simply knew one thing else was in me that needed extra that college could not present, after which to have the ability to come throughout your platform, after which exercising it with my greatest good friend to then create one million greenback enterprise. I imply, that is that is priceless. Man. I smile each time I give it some thought. It is only a proud second.
Daniel Rosen 54:47
That is so cool. I am so pleased with you. How about you yo O’Keefe
Okief Robb 54:52
similar factor. I say the identical factor, man. I bear in mind. Each , then he was truly trying on the , The numbers coming in and we’re shut. And we’re like, oh my god, we’re about to be millionaires. I do not assume there’s sufficient phrases to clarify, , the gratitude that we might share, give, , you’ve got given us this platform, this chance, , to make use of your platform and supply service to our purchasers and really doing actually good for our purchasers. So I am gonna share secrets and techniques with you. Final 12 months, we eliminated 12 million in debt from our purchasers credit score report, over 12 million in debt. It is credit score stories. So it is this simply the very fact it is not simply Oh, yeah. Oh, we’re millionaire. However for me, from the guts, is the truth that we’re serving to a lot individuals on the market to be in a greater place and given them a second likelihood. Feels nice to be a millionaire. However for me, it feels even higher to know that we’re serving to of us. And we’ll proceed to assist individuals on the market. Yeah, that is
Daniel Rosen 56:01
the most effective feeling of all. Properly, I need to thanks a lot on your time at this time. Oh, Dean, and oh, Keith, this was quite a lot of enjoyable. Did you’ve enjoyable?
Okief Robb 56:09
Oh, this was
Odean Lawrence 56:10
this was actually enjoyable. If I made Danny, I might love to offer it again to our workforce as effectively. You recognize, our total actual credit score deal household are from all of our departments inside our enterprise. I imply, with out our workforce, we would not be sticking with you proper now till degree that we’re talking with you. So, , we tremendously admire it. And for everybody who’s trying to begin a enterprise, having a workforce is certainly undoubtedly the best way to go your self.
Daniel Rosen 56:36
Sure, get your self out of it, to be able to develop the enterprise. Anyhow, congratulations once more on the millionaire’s membership. I want you each continued success. And for everybody on the market. If you’re having fun with this podcast, you should definitely click on to subscribe, so you do not miss any of the inspiring tales, business information, monetary ideas and entrepreneurial recommendation that we share every week right here on the credit score restore enterprise secrets and techniques podcast. And should you’re feeling form, do me a favour or write me a overview. Give me a thumbs up give me 5 stars helped me to maneuver up the charts. So additionally go away a remark or ask a query, as a result of I learn every one in all them. And I’ll see you on the subsequent episode. And till then, do not accept a horrible profession. If you are meant for extra, hold looking, continue learning, hold constructing and hold altering lives. Hey, all people, it is Daniel once more. And actually fast, I might like to ask you to affix what I imagine is the most effective factor we’ve ever created contained in the credit score restore cloud neighborhood. And it’s a problem that we name the Credit score Hero Problem. Should you’re simply planning out your small business, otherwise you’re simply getting it began, and also you dream of getting a profitable enterprise of your personal. So you possibly can stop your 9 to 5 and hearth your boss and have monetary freedom or so you possibly can add one other income stream to your present enterprise. If that is your dream, you’ll want to get into this problem. We created this problem that will help you to create and launch your very personal credit score restore enterprise to construct a correct basis for a extremely profitable enterprise. This problem goes that will help you to know the technique, the ways and all of the issues you’ll want to achieve success at credit score restore. It truly is the best factor we’ve ever constructed, and it’ll change your life. So I like to recommend you do it proper now. Cease every little thing pause this audio go browsing and go to creditherochallenge.com That is credit score hero problem.com and be a part of the subsequent problem. And there is a problem that beginning in just some days. So go get began proper now at creditherochallenge.com
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