Final Transcription for "How to Repair your personal Credit Report and Improve your Scores" interview

Copyright Notices:Feel free to reproduce or transmit this document in any form or by any means,mechanical or electronic, including photocopying and recording, or by any informationstorageand retrieval system, without permission in writing from the Publisher. The only requestI have is thatyou let your audience know that I am the original provider and author of this contentand send them overto my blog to post their comments.Published by:Owen Mcgab EnaohwoHost of Taking Minds To the Zenith (TMMTZ).http://www.ZenithPropertySolutions.com/blogLegal Notices: While all attempts have been made to verify information provided in thispublication,neither the Author nor the Publisher assumes any responsibility for errors, omissions, orcontrary interpretation of the subject matter herein.This publication is not intended for use as a source of legal or accounting advice. ThePublisherwants to stress that the information contained herein may be subject to varying stateand/or locallaws or regulations. All users are advised to retain competent counsel to determinewhat stateand/or local laws or regulations may apply to the user’s particular situation orapplication of thisinformation.The purchaser or reader of this publication assumes complete and total responsibilityfor the use of these materials and information. The Author and Publisher assume no responsibility orliabilitywhatsoever on the behalf of any purchaser or reader of these materials, or theapplication or nonapplicationof the information contained herein. We do not guarantee any results you may or maynot experience as a result of following the recommendations or suggestions containedherein. You must test everything for yourself. Any perceived slights of specific people or organizations is unintentional.

Episode Title: How to Repair yourPersonal Credit Report and Improve your Scores

It tells a story of a person's life. You can go back pretty far on people. Inquiries are abigger deal than people understand. Every time they apply for credit, they just run outand let people pull their credit, it's worth a couple of points a piece. The average personhas twenty to twenty-five inquiries on their credit, and at two points a piece, that's fortyto fifty points! That's a big deal. The tweaking of little things at the end are just goingto make your score go a little higher and a little higher, and it's going to save you, on ahome in thirty years, hundreds of thousands of dollars. I mean literally hundreds of thousands over thirty years.(The show’s high energy introduction music plays)Hi! My name is

Owen Mcgab Enaohwo

and I’m your host at "

Taking Minds to theZenith

", a show where I interview experts in marketing strategies, real estate, andbusiness in general. I know your style of learning is different from the next person;hence, I have made content-filled interviews with experts available to you for free indifferent downloadable formats. In a world where we are constantly bombarded withone sales pitch after the other, my goal is to provide value for my clients, subscribers,and business colleagues. For more interviews like the one you are about to listen to, gotohttp://www.ZenithPropertySolutions.com/blogToday on "Taking Minds to the Zenith", I am interviewing

Randy Wells

. He is the CEOof

TRW Credit Group

, a credit restoration company based in Texas. A while back, Idecided to start offering free credit repair to clients looking to buy homes from us, butfor one reason or the other, they had issues with their credit. So I did some research tofind a trustworthy and capable credit repair company to hire. I interviewed quite anumber of them, but one thing that stood out to me with Randy's company was thatwhen I asked for testimonials of clients whom they have recently worked with, theygladly offered me a booklet of clients with contact information whom I called to verifytheir services. I also chose to test the services out with myself just to see the results.Well, I must say, I was truly impressed! Here are some of the things you will learn in

this interview. You will learn what steps to take to get started with repairing your credit. You will learn how to protect yourself from identity theft. You will learn how to hire theright credit repair company, and the questions to ask them to make sure that they arelegit. So get ready to learn and I hope you'll enjoy this interview.

Owen:

So Randy, what I would like for you to do is to see if you can give anintroduction to my viewers as to how you got started, who you are, and how you gotstarted in the business?

Randy:

Well

,

the way we got started in this business was, I was in the car business fortwenty-seven years, and dealt with credit every day. A lot of people would come in thedoor, sixty percent or more that couldn't buy a car.

Owen:

Um-hmm.

Randy:

If they could, they were paying an excess of twenty percent interest—

Owen:

Wow.

Randy:

—which, raising their interest rate would almost make their payment wherethey couldn't make it. It makes it almost unreachable for them. They want to try tomake it, because they needed the car, but that amount was out of their budget.

Owen:

Yeah.

Randy:

So doing consulting work in Huntsville, Alabama, I was doing consulting work for a car dealership that did over three hundred used cars a month in my—now, thatmay not seem a lot to people who aren't in the car business, but that's a very, veryhuge number.

Owen:

Yeah.

Randy:

And they were selling almost to around eighty to ninety a month, but thatthree hundred just from credit repair. So I learned about it in Huntsville, Alabama,brought it to Texas almost eight years ago. We have been a very, very strong companysince then.

Owen:

Okay, okay. So we're just going to go straight into the interview and questions. And right now we all see what's going on in the economy, and I just wanted you—we'll just give the listeners some reasons why it's very important for them to get a creditfixed in this economy that we are facing.