How the Credit Diva of Dallas Helps Clients Break the Cycle of Poverty

By: Daniel Rosen Last updated: March 05, 2024

Wanna know how some folks grow an amazing business from nothing?

Well, today, I’m joined by Ms. Rae, the Credit Diva of Dallas!

She is amazing, she helps a ton of people break the cycle of poverty and reclaim their lives. And today, she’s gonna share her secrets on how she built her very successful credit repair business that really does change lives.

Our most successful credit heroes, the ones who make a great living and make a massive impact, they really care about helping people and changing lives! And our guest today is no exception!

Ms. Rae has witnessed firsthand the vicious cycle of poverty, and she now helps a ton of people.

She’s the author of the book “Credit Repair: All You Need to Know.”

And she’s here today to talk about her very successful credit repair business and how she built it from nothing

Here’s a few highlights from our conversation. Tune into the full episode here.

Well, first of all, Where did you grow up? And where are you now?

I grew up in Detroit and in the inner city of Detroit. And that's a tough place. Has always been to live in and things like that. And so that was kind of where it all started for me in terms of wanting to help people and things like that. I've always been in the service community, and industry somehow, but the root of everything was always centered around credit. I grew up in Detroit, but I'm in Dallas now. Hence the name Credit Diva of Dallas.

What did you see when you were growing up there in Detroit? What was the vicious cycle?

I could feel people's heart. And so I knew that they wanted it better, or different or more, but just didn't know what it was, you know what I mean? And then the vicious cycle of single moms, lots of kids, no income, with th government taking care of all of the kids. And so immediately, my mind goes to, okay, I know, that's mom's decision, but you see it down the lineage down the line, you know what these, the lifestyle of these kids are going to be, you know, 10-12 kids in an apartment, I identify with my people with their pain, with their struggle, although that was not my upbringing, but I could identify with them. And I think me going through my struggles with my own credit, that humbled me.

How did you start to get your first real clients?

So I was really blessed. There was a lady who brokered my services. So that's how I got a lot of practice. I was a hairstylist at the time. So I was teaching at the school, I'm loving my life, actually, you know what I mean? And so what happened was, I'm teaching at the school, and I'm running a credit repair business, that's really where it really kind of started at. And then I was so tired, so exhausted, but the credit repair business, of course, is really paying the bills. But because it was passion, and that was driving me and then finally, when I made the decision to stop teaching at the school. And that was difficult, they didn't want me to stop because I had such an impact on the students. And then finally, I had to, there were some clients that were just committed to me, that was the hardest thing to do say, I'm not gonna do hair anymore. And so I just told myself this, I said, it was a faith walk, I said, you're given a third to this, you're given a third to this, and you're given a third to this, what would happen if you gave 100% to credit? And finally, when I did it, literally, it blew my mind.

The first two years in business, I was like, Oh, my God. And we purchased our dream home with the efforts that we had made. And my husband is a great part of that. I owe him that he was a visionary on a lot of things.

Can you share some of your greatest success stories of a client whose life was changed through your service?

Most people come to me to purchase a house or purchase a car, it didn't matter what you wanted to do. I wanted to make it happen for you. But this lady came to me, and she wanted to purchase a car and a house. She was able to purchase two cars and the house. But what I loved about her was the way she thanked me. And she thanked me by literally bringing everybody she knew to me.

So yeah, she's a friend now. So I had a really big 55th birthday party last year. And I invited her and she flew in. And her being who she is, had never been an Uber before. And so, coming to Dallas, she told the Uber driver about me. And the Uber driver is now a client.

And I think for her, she thought she'd never own a house. I made her believe. And that's part of understanding credit, too, because a lot of times people think it's so bad is I could never own a home. And I gave them that, I was like a hope dealer. You know, I gave people hope. I gave them something to believe in. Because I understood credit. I can look at that report. And it's like, oh, this is nothing this, this is somebody who doesn't understand credit. They don't even they never had a credit card. You know, these people needed more credit education than they needed credit repair.

You wrote a book, Credit Repair: All You Need to Know. Can you share some insights from the book that can help our listeners understand how to manage their credit better?

I just did a video about this a couple of days ago, and it's for me, it's back to the fundamentals, is back to the basics. It sounds difficult, it sounds lethargic. But all I do is reinforce the fundamentals, the basics - pay your bills on time, take pride in credit. I take out the fear factor. A lot of times, I deal with people that are afraid of credit. And it's just you're afraid of the unknown. But no, this is something that we need to know. And understand. We need to know it and understand it.

I'LL END BY SAYING

If you still need a Credit Repair Cloud account, check it out. It's the software that most Credit Repair businesses in America run on. Sign up here for a Free Trial!

And if you'd like to change lives and grow your Credit Repair business, check out our Credit Hero Challenge!

Credit Hero Challenge 2023 (1)