Daniel Rosen 0:00
Hey credit score heroes. At the moment we will discuss with our latest credit score restore millionaires. Oh, Odean Lawrence & Okief Robb!. They’re right here immediately to share their inspiring tales and clarify how they went from fighting their very own credit score to making a thriving enterprise that has revamped 1,000,000 {dollars} in income. So that you higher stick round. So the massive query is that this, how can we take our ardour for serving to folks 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 might help the most individuals and nonetheless turn out to be extremely worthwhile? That’s the query, and this podcast provides you with 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 trade 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 house owners. And there is not any different podcast prefer it, so be sure you click on on that subscribe button now and prepare to start out altering lives. Okay, let’s get began. My visitor immediately our credit score restore clouds, latest millionaires, oh, Odean Lawrence & Okief Robb!, and you do not wish to miss their unimaginable tales. Oh, Dean went from struggling for years, being homeless, sleeping in his automobile, to changing into a social media advertising and marketing professional, 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 weak credit. And he went from there to constructing 1,000,000 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 wish to point out to our viewers that I do know you simply acquired to acquired out of the Navy solely couple days in the past, after eight years of service and also you had two deployments, proper? Admittedly, sure. Nicely, thanks a lot to your service. Anyhow, let’s get into this. Thanks once more for being right here. And I wish 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, acquired it. Okay, I keep 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 wish 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 attempting to maintain a household, not with the ability to present or bringing earnings was was robust. I struggled, I struggled to the purpose the place I used to be homeless 3 times. My first time being homeless, , I acquired in, I acquired fired from my job, I used to be working for a governmental job, I acquired fired from there. After which after getting fired, I wished 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 automobile, , 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 automobile, , learning, going late nights at Dunkin Donuts, to make it possible for I get all the data to go ahead. And, , that was successful after passing this to take the state take a look at and simply have a driving drive to succeed. Nicely, 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 an everyday employee to a supervisor. I imply, the pay was nonetheless the pay. It got here to some extent the place, , I began to become involved with a variety of completely different community advertising and marketing firms. And , simply maintain it brief in 2016. I labored seven jobs, as a result of the 12 months previous to that I used to be homeless. I instructed myself I might by no means undergo that state of affairs once more. That was my third time being homeless, and I did not need it to go in that state of affairs. 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 faculty. After which my final job in 2016 was working at CVS as a supervisor. I instructed myself that, , I might by no means be able like this ever once more. And it got here to some extent the place I went to a automobile vendor Daniel, I wanted a automobile, as a result of my automobile broke down engine went, proper. In order that’s that. I paid somebody to try to repair it. They usually 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 instructed myself, I am gonna simply give it a seven years to have all these items fall off. And, , I went to the automobile dealership, the automobile vendor 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 this is what we have now, I can not get you the automobile that you simply wished. I wished to wind up window automobile, , give me the , the solar, no sunroof, give me the hubcaps on the automobile, like, give me the fundamental kind of automobile. And he instructed me, I can not offer you something except you pay 5 to $10,000 down. Thoughts you, I am taking a look at a $14,000 automobile. So I felt some kind of manner. 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 keep in mind my cousin driving me house, 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 manner. 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, , acquired concerned, however I am a analytical individual I began learning and actually understanding what credit score is all about. I used to be in a position to then work alone credit score after a number of months. After which in seven brief months, I used to be in a position to perceive how all this works, after which took myself from an inexpensive for 14 419 credit score rating, after which jumped my rating. 256 factors into the seven lots of. And that is that is how every little thing began. Wow, that is
Daniel Rosen 7:37
wonderful. That is actually wonderful. And I perceive what it is wish 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 folks. It is it is horrible, it is prison. And however there’s a lot cash behind it. They usually 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
Nicely, my life for for credit score restore? Nicely, I moved to the USA, I am born Jamaican. So I moved to the US in 2008 for college, did effectively again in Jamaica, , at school and just about, , apply for college up right here and acquired via. In order that’s how I acquired to the states. So I got here right here, , completed faculty, acquired a level excited. I used to be like, wow, okay, I acquired a level now, , I can go do any job I wish to do. Lo and behold, no person needs to rent me as a result of I’ve no expertise. Proper? In order that in there, I have a look at it. I am like, wow, that is actually how the college system is ready up. , no person needs to provide me that have. How am I going to get that have? Proper? If no person needs to provide it to me. So after I graduated, I began doing a complete lot of various jobs as a result of it was like, Okay, I must I must so I acquired into a complete lot of name centre jobs. And let me inform you, I bought every little thing I bought 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 may be extra to this. It will possibly’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 really a truck driver and drove cross nation in each single state there may be snow heist and sleet and summertime within the wintertime. , 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 pal of mine on the market driving, I do not perceive how anyone hit your trailer, that arm within the again in your blind spot, and it is your fault, and also you’re getting fired. So once I noticed that, I used to be like, what, that would occur to me too, and I simply lose my job. So what I really 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 acquired to Miami, I name the corporate I am like, I am performed. Y’all want to come back choose 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, what, I am gonna go down the road. Let’s examine, who takes me. So I went to Air Pressure, they did not take me that I went to Navy. They usually 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 among them. As a result of I knew I wanted somewhat bit extra of a profession. So once I acquired 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 and marketing 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 stage begin engaged on our personal credit score. After which we had a vivid 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 suitable folks 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 feel it was like, September, October and September
Okief Robb 12:11
that week, the thought, , 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? If you’re within the Navy? How does that work?
Okief Robb 12:29
Nicely, what I might say is, whenever you’re within the army, it’s important to be sensible, proper? You need to be sensible. As a result of in case you’re not sensible, you’ll find yourself in locations that you do not wish to find yourself. So it’s important to take management, although you do not have a lot management. However the little that it provides you, it’s important to exploit it. And that is what I did once I was within the army to be within the locations that I need it to be. Proper. So the one locations that I did not need it to be is on these two deployments. However it was wasn’t skilled, I might say. However it was simply being sensible. 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 the way lengthy? Was it simply the 2 of you operating the enterprise? So
Odean Lawrence 13:21
we we each I imply, got here up with the thought behind beginning a credit score restore firm. Daniel, I am being straight. frank with you. It was robust. It was difficult. Robust, proper? I imply, we went via I imply, at this level, younger, bold, energetic, we simply wish to get it out, get on the market and simply do it. Proper. And all the time I all the time return to the e book from Robert Kiyosaki, Wealthy Dad, Poor Dad, when when him and his pal was within the driveway, they usually had been making, , nickels. And it was like counterfeit nickels? Nicely, that they had this drive and keenness 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}, , attempting to construct an internet site attempting to construct a payout programme for individuals who may companions who may wish to be 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 keep 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 some extent 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 linked 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 acquired 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 offer. 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 energetic with it. However we had been nonetheless within the background, attempting to determine this isn’t what that is what we’re not going to do, that is what we will do. After which we proceed to check and examine in enterprise on a unique stage how how enterprise works. So as an alternative of placing it in different folks’s arms, we begin to perceive it for ourselves. So we do not undergo that state of affairs 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 definitely relaunch the enterprise, discovered about enterprise? After which went all in? However first alongside the way in which, had been there mentors or these sort of mentor folks you are speaking about? No mentors, no mentors, okay, simply individuals who would do providers that will rip you off? I have been via that. Right. It is actually onerous. When whenever you wish 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, they usually take all of your cash, he had been there 1,000,000 million instances. So then you definitely 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 once we had the pandemic,
Odean Lawrence 16:37
that is once we had the pandemic. Oh, my God, it was it was ironic, as a result of when that occurred, , everybody’s not pressured to be inside. And O’Keefe and I, our communications, and simply every single day we speaking about enterprise, , every single day we hammer in it, how can we turn out to be higher? And I always remember, it was July, I feel it is the tip of June, yeah, across the finish of June, or near the tip of June 2020. Sadly, I acquired COVID. Proper. For six months, I did not go outdoors. After which the one time a pal reached out to me stated, hey, , , come by glided by, , lower 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 do not forget that anyplace. It got here to thoughts. Like, what in case 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 keep 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 all the information that we have already gained over time, what to do, what to not do all the 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, what, we’re simply gonna go all in. And we went all in. And 2020 of July is once 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 folks do not know, in the beginning of the right way to create your processes and your methods and SOPs? You’ve got acquired all that now, proper? Completely. Yeah. How did you learn to do this?
Okief Robb 19:08
Nicely, we really, effectively, let me simply put it this manner. As dean stated earlier, we’re a praying group. We’re all the time praying. So we all the time have God within the midst of actual credit score, can we really discard it in it? There’s a variety of knowledge, a variety 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. , 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 easy all the way in which. It is by no means easy all the way in which. All proper. You do not see how it is there’s It isn’t doable to easy your option to success, , it’s important to fall down and rise up, brush off, you may get somewhat, , , 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 wonderful.
Daniel Rosen 20:17
We’re right here at CRC, we have now 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 all the time might be. It all the time 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 fireplace. , the sensation do not present. And regardless of the place you are at, that is what it is all the time going to be. However it simply makes you stronger and stronger. And you may deal with an increasing number of Am I proper? Undoubtedly. 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 weak credit points.
Daniel Rosen 21:09
Nicely, alongside the way in which, Did both of you run into credit score restore? Scammers? Sure. Inform me about that. And what scams had been they operating? What occurred?
Okief Robb 21:19
Nicely, 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 might 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 folks 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 studies for identification theft. And positive the gadgets get eliminated immediately. However they arrive again. However alongside the way in which, it opens up in an investigation after which the police and the FBI and it is one thing you do not wish to do. In case you’re in case you’re watching this or listening to this don’t do credit score sweeps folks go to jail for credit score credit score sweeps, you bought to do it the suitable manner. I am sorry, that occurred to you. However you did not get into they did not really do the credit score sweep. You did not get any hassle.
Okief Robb 22:44
I did not get in any hassle, per se. However I simply did not get what they promised. , I did not get a commerce line. , so it is, it is a very scary factor. And it is that there are people on the market doing that to susceptible folks. That that’s actually unhappy.
Daniel Rosen 23:03
Yeah, particularly when you could possibly do credit score restore the suitable manner. 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 folks within the frame of mind that each one firms are just about gonna do that. And the house of credit score restore is sizzling inside itself. So for people who do this, after which , folks discuss, one of many quickest option to journey data is thru phrase of mouth. So if, if I get that kind of expertise, and I share it with 10 folks, they usually go on, they multiply that they usually put it on social media and these days, , it makes it more durable for the businesses who’re really doing the suitable factor to truly achieve success. Sure,
Daniel Rosen 23:53
positive. Certain. It is, it is somewhat just like the Wild West. However good guys, like all of us are right here in we will maintain every little thing going the suitable manner. Hey, I wish to know what as an alternative of happening, let’s go up. How has this new enterprise modified your life, each of you.
Okief Robb 24:15
You wish to go first?
Odean Lawrence 24:18
In so some ways, Daniel? Before everything, I gotta all the time 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 way in which that I have a look at enterprise and a complete taught me a lot about enterprise that I by no means knew about. And what I did not find out about, , stepping into the house. It simply began to, to teach me extra, , desirous to know extra. Financially, it has been in a position to put my kids in non-public colleges, one thing I’ve all the time been dreaming of doing once I was youthful, and it has been in a position to do this. For me. Being concerned in credit score house has additionally been in a position to change my zip code and It adjustments zip code, it additionally adjustments kids’s faculty. So it has been in a position to put take me out of a tough neighbourhood, , after which put me in a greater, higher place higher place that I am glad with to this point in the intervening 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. Undoubtedly.
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 house, I’ve all the time beloved enterprise, all the time, all the time 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 unique stage 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 onerous work, and willpower and persistence created one thing that may, , they may, , reside off their, , create a legacy.
Daniel Rosen 26:30
Very cool.
Odean Lawrence 26:31
And if I could add, Danny, it additionally allowed me to buy my dream automobile on the time, proper? No extra driving out, it was, , nothing incorrect with, , state being the place you might be 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 automobile. So I used to be in a position to do all of that via utilizing my credit score, proper, did not put any cash down. So it was a kind of situations, constructed my credit score, acquired into, right into a Mercedes, and never put any cash all the way down to signal and drive.
Daniel Rosen 27:07
wonderful, simply wonderful. 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 folks that you simply met alongside the way in which, like already talked about earlier, a part of establishing 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 people that simply see us hungry, decided, and desires to start out this enterprise, , we inform them, That is what we would like. They usually say, Okay, that is what I am gonna offer you. This, it wasn’t on price. 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 essentially the most troublesome 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. However it there have been instances when choices needed to be made proper govt choices amongst us to be able to develop our enterprise, and never keep the identical, or to vary sure expertise or software program’s that we’re utilizing, on the time to make it possible for, 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 price 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 have a look at it like this, we went via this course of with none true trainer or mentor. So we needed to pay the tutoring to be able to study. So we paid our tuition, after which now a variety of these issues turned quite a bit simpler.
Daniel Rosen 29:31
Completely. And what are a few of the greatest errors you made when first beginning out?
Odean Lawrence 29:38
Select and select in Service provider firms. All people’s digging in your account, and you bought to search out just remember to select one of many ones which can be really 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. They usually’re difficult one You wish to go away a few of them?
Okief Robb 30:02
Very difficult, very difficult. In order that’s one of many greatest classes. I’ve discovered.
Odean Lawrence 30:08
Retailers and software program firms been very, very cautious. I imply, now we have now 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 can be difficult. And then you definitely push via and assume and , all this as effectively, due to the webinar, then then when come time, , to simply accept fee or to pay. It is a complete completely different ballgame, , so simply watch out, aware of whom you go to in the case of retailers and software program’s
Okief Robb 30:39
and browse that settlement, get that settlement reviewed by an legal professional, as a result of there could 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 manner so that you can cancel, it’s important to ship an e mail in saying XYZ verbatim, or, , you actually should watch out of who you do enterprise with and be sure you evaluate these agreements.
Daniel Rosen 31:11
Completely. Yeah. With the service provider accounts. Yeah, it is a variety of them have a gnarly contract. However a number of haven’t any contract. And a variety 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 folks for positive. If you acquired the enterprise going, did you begin with take a look at shoppers to get testimonials or something? No. Proper into getting shoppers? How did you discover your first actual shoppers?
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 and marketing, via social media, Fb, notably. And I feel in 2018, a pal 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 submit with the thought upsetting contents, proper? Issues that, , you do not wish to all the time hit folks with, possibly put a pair posts who wish to repair their credit score, and somebody will reply and say me, me, however , we’re speaking about stepping into the, to the checklist. So we’d then, , then capitalise on, all proper, what are folks on the lookout for? What are their ache factors, what are , what makes them go, , I actually wish to change, and we began to focus on issues that folks need put your kids in a greater place, , who needs to vary the kids’s zip code, , issues like Goal posts like that may then begin bringing folks. After which we additionally began to submit contents which can be, are academic about credit score. So now we’re not simply giving them one fashion of market, and we’re giving them a number of types of marking. So I used to be in a position to construct up a following from there. After which from there, it is like, alright, we acquired 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 usher in extra enterprise in order that whenever you may be arms free, so to talk. So we’d, , attain out to influencers and negotiate a value 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 a number of every little thing was like trial and errors in the case of 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 identical 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 move.
Daniel Rosen 34:18
Wow, that is very cool. I wish to get into the to the automations half in a minute. However first, I wish 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 wish to maintain 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 unbiased employees, 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 checklist comes up, I am going via, and I pal requests as many as I can. And our pal requests a pair. And by the way in which, in case you’re not tight tackling 100 folks a day, you are lacking out. So my aim was I am contacting 100 folks 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 pal request them, after which I will go on to the following 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 look ahead to , for them to reply. So then the following day, I am touching one other 100 once more. So for many who did not reply the primary day, it is identical 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 in case you had been to work with realtors, I might ask them if, if how a lot cash are you shedding 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 unbiased proprietor, insurance coverage brokers, Uber drivers, Lyft, drivers, realtors, and so forth. Now on Instagram, I work it somewhat completely different really 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 in regards to the 100,000. You should purchase these. However I wish to see the engagement. And I will undergo and I will have 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 to your promotions? That is it. And I will simply hyperlink up 100 folks on Instagram. And I will look ahead to anybody to reply again to me.
Daniel Rosen 37:13
Wow. And what may that price to rent anyone like that?
Odean Lawrence 37:18
It depends upon on in the event that they’re too excessive if their value level is out of my price range, and I am not prepared 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 will cost 150 to $300 for the precise posts. A few of them will go away it off endlessly. 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 lower this individual and see what they’re actually bringing to the desk. If it is smart, 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 utterly engaged with the submit 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
Nicely, we have now numerous software program’s the place use alongside the strains of Energetic Marketing campaign, Zoho aim excessive stage 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 a complete group. And youngsters, , teamwork makes the dream work, proper. To have a customer support group, , to have our group that does, , the letters and all that great things. Proper? That is that that was an actual recreation changer that slot in, proper, what the advertising and marketing a group that is devoted as effectively. , what I imply? To the trigger, , believes within the dream.
Daniel Rosen 39:23
Okay, as an instance somebody reaches out however they don’t seem to be able to be come a shopper, do you’ve them? Do you’ve the Energetic Marketing campaign doing a drip sequence to them?
Okief Robb 39:32
Sure. So we have now the Energetic Marketing campaign that , sends out that , data to them. , 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 somewhat bit extra work, , to get it refined. Um, however we do have that system.
Daniel Rosen 40:02
After which when anyone turns into a buyer, do you’ve extra nurture sequences for for current 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 group comply with up with them as effectively. So even in case you’re a prospect, and also you did not enroll immediately, it is obligatory that everybody does get a comply with up. So we return via the checklist, I imply, the cash is all the time within the checklist and the comply with up. So we’ll return and you will ship them an e mail if crucial. And the identical, , as soon as the shopper 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 house. Like I discussed earlier than, it is it is sort of tainted, proper? With a lot wrongful exercise that is occurring, I wish to make it possible for we give our shoppers 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 make it possible for every individual is catered to.
Okief Robb 41:10
So let go Dean talked about, we’re a household. That is how we have a look at actual credit score deal from our group that takes care of our clients, to the purchasers as effectively. We have a look at it and the household and household takes care of the household. So just about everybody has with us, we all the time strive to verify 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, a variety of instances the place we pay for one thing and did not get what we pay for. So when it comes on to our shoppers, we’re very, very, very critical. And ensuring they get what they pay for. You pay for service with us, you’ll get it. And that is what we’re a part of our programme is, , and I will say this could be somewhat secret sauce. But when anyone is on our programme, they usually consider they have not acquired what they pay for, we stated, hey, come again right here. All proper, we’re gonna go forward and do that once more for one more three months, give us the chance to do it for you for one more three months. Proper. In order that’s, that is one factor we do exactly to indicate that we actually, actually, actually care about our shoppers,
Odean Lawrence 42:28
no prices,
Okief Robb 42:29
and no prices, and no prices. So trade in an area that I like or dimension is so tainted, we wish to make the distinction. We wish to be that firm that delivers to our shopper.
Daniel Rosen 42:45
That is superior. That is superior. We really feel the identical manner right here. Are you a distant firm? Is everybody working from house?
Odean Lawrence 42:53
Yeah, effectively, it’s. Distant. In a way. However however nevertheless it’s not there is not any workplace house. If that is smart. The place , we have now a employees coming in every little thing is unquestionably on-line.
Daniel Rosen 43:10
Yeah. Superior. Identical for us. We’ve we have now an workplace right here that I am sitting in, however our group 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 inside the subsequent 12 months. I imply, we have now our workplace house that we go to sure. However once more, not for a group of employees. So that’s undoubtedly one thing that we’re engaged on inside the subsequent 12 months.
Daniel Rosen 43:45
Superior. Superior. Okay, if I wished 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 superb query. I feel if I did not be part of the army and get that have, I would not have actually what it takes to run this enterprise. If you be part of the army, instil a way of management, as you go from the bottom rank to the to increased rating, now you are accountable for folks, you really get the power, the power to result in be a pacesetter. Proper? And truthfully, I watch every little thing. I have a look at it this manner. I have a look at it this manner. Like I inform my group the identical factor. The US Navy is without doubt one of the is the world’s best identify. As we stand proper now. Loads of minds went into constructing the US Navy. Loads of a variety of minds, sensible minds, proper, went into constructing the Navy. And if it nonetheless stands immediately, 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 practice web optimization, I discovered all of that. After which I instilled it in my enterprise. Just about, truthfully, most of my group proper now I get on the cellphone with them. They’re gonna be like, copy, sir, copy, copy, relatively 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 really like that. Okay, we’re gonna swap gears for a minute, I will ask you guys a pair fast 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 selected enterprise person who 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 sensible. And he is aware of the right way to place himself. And instances, like these. , what, in case you return to the.com, increase, he positioned himself correctly, and got here out to being one of many richest man on the earth. Proper. In order that’s why I like 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. , even once 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 verify I am going on the market and supply a greater future for my youngster, 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 folks with weak 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, based mostly 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 stage.
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 anyplace on the earth, I am not restricted to only a nation, I actually can go anyplace on the earth, 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 folks’s desk. , 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 person taught them monetary literacy. , they went to varsity all the way in which up College, and they do not know monetary literacy. So simply the truth that I might help 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 raised 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 hand over? For me. In case you hand over and you do not have a narrative to inform, the one factor it’s important to inform is that you simply gave up. You possibly can’t encourage anybody with that. , we might have gave up we felt it typically 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 acquired 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 once I’m not, , round to beat dad, proper? They, they’ve one thing sturdy 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 below, below, below 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 some other recommendation for somebody simply beginning a enterprise?
Odean Lawrence 50:59
Oh, yeah. However it will not be one, day one, mentally it is a psychological recreation, you bought to mentally be there, proper. As a result of this, I imply, being a enterprise proprietor isn’t simple. And it’ll strive your endurance, it’s 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 it’s important to be prepared 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 attempting this, how lengthy you’ve got been doing, that that. So to not hearken to these people who might imagine they’ve one of the best intentions for you. Whereas they could have one of the best intentions. However what they’re telling you isn’t understanding or it isn’t 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 once we had been going via these trials and instances, , to wish. After which in the case of constructing the enterprise, search recommendation, search assist. Search those that have performed it earlier than you after which might help you to do it. Or perceive that that is going to take me time as a result of I’ve by no means performed 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 performed it earlier than you after which that may additionally give you the way in which 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 e book or what is the subsequent massive aim?
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 house owners or people who wish to begin a enterprise. After which , we’re trying to put them able to just about have a fast cookie cutter methodology, however a easy step manner 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 1st step, formulation, formation of your small business. That is step two, proper, ensuring that each 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 consider 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 communicate English correctly, , getting beat up as a result of I did not perceive the right way to communicate English, , after which going via highschool end not even ending faculty, I dropped out of faculty. And everybody’s telling me to return to high school, get get a profession, get a level and my ardour, my skills saying , there’s acquired to be one thing else out right here than that. Not not at school in any respect. However I simply knew one thing else was in me that wished extra that college could not present, after which to have the ability to come throughout your platform, after which exercising it with my greatest pal to then create 1,000,000 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 keep in mind. Each , then he was really 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 shoppers and truly doing actually good for our shoppers. So I am gonna share secrets and techniques with you. Final 12 months, we eliminated 12 million in debt from our shoppers credit score report, over 12 million in debt. It is credit score studies. So it is this simply the actual fact it isn’t simply Oh, yeah. Oh, we’re millionaire. However for me, from the center, is the truth that we’re serving to a lot folks on the market to be in a greater place and given them a second probability. Feels nice to be a millionaire. However for me, it feels even higher to know that we’re serving to people. And we’ll proceed to assist folks on the market. Yeah, that is
Daniel Rosen 56:01
one of the best feeling of all. Nicely, I wish to thanks a lot to your time immediately. Oh, Dean, and oh, Keith, this was a variety 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 provide it again to our group as effectively. , our complete actual credit score deal household are from all of our departments inside our enterprise. I imply, with out our group, we would not be sticking with you proper now till stage that we’re talking with you. So, , we vastly admire it. And for everybody who’s trying to begin a enterprise, having a group is unquestionably undoubtedly the way in which 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, be sure you click on to subscribe, so you do not miss any of the inspiring tales, trade information, monetary ideas and entrepreneurial recommendation that we share every week right here on the credit score restore enterprise secrets and techniques podcast. And in case you’re feeling variety, do me a favour or write me a evaluate. 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 among them. And I’ll see you on the following episode. And till then, do not accept a horrible profession. If you are meant for extra, maintain looking, continue to learn, maintain constructing and maintain altering lives. Hey, everyone, it is Daniel once more. And actually fast, I might like to ask you to hitch what I consider is one of the best factor we have now ever created contained in the credit score restore cloud group. And it’s a problem that we name the Credit score Hero Problem. In case 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’ll be able to stop your 9 to 5 and fireplace your boss and have monetary freedom or so you’ll be able to add one other income stream to your current enterprise. If that is your dream, you could get into this problem. We created this problem that can assist 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 can assist you to grasp the technique, the ways and all of the issues you could achieve success at credit score restore. It truly is the best factor we have now 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 part of the following problem. And there is a problem that beginning in only a few days. So go get began proper now at creditherochallenge.com
