Credit is a simple thing. It’s math. Once you understand the math and how it works and you understand the ins and outs of how credit really works, you can be on your way to a 720+ credit score
Hey guys, it’s Joe with The Credit Influencer. I started this channel and this brand because I have over 30 years of experience in all things credit related.
I was around when credit scores first came out and nobody knew what they were. I was around when the class action lawsuit made the credit bureaus actually release what makes up a credit score because nobody knew before that.
I also have personal experience fixing my credit twice:
• Once after my divorce in 1999
• Again in 2015 after the mortgage meltdown — I had 14 foreclosures.
You see, 178 million people have credit issues. And with all the information that’s available to us today, you would think that people would do the research and figure out how to fix it themselves, just like I did in 1999. But they don’t.
We are a pretty lazy society and we want information brought to us. So I decided to create the channel and entertain you while educating you.
If you click the link below and pick your favorite channel, you will be able to follow me and watch my content and most importantly join my lives where I will literally show you how to legally remove bad credit using AI, including Credibility IQ and ChatGPT. But more importantly, I will show you all the places that will lend you money and report positive trade lines to your credit report, even if you have bad credit. Yes, I will show you all the places that will give you credit.
Even if you have horrible credit.
The Two Times I Fixed My Credit
Most credit “experts” haven’t lived what I’ve lived. I’ve rebuilt my credit not once, but twice — and both times from rock bottom. Here’s how I know what really works:
1999 — Divorce & Starting Over
After my divorce, I had to rebuild everything. I learned what impacts your score, how to remove negative items, and how to rebuild from zero — long before there were YouTube tutorials or credit apps. I did the work myself.
2015- Fourteen Foreclosures After the Crash
I got hit hard by the 2008 mortgage meltdown. In 2015, I found myself looking at 14 foreclosures on my credit report. Once again, I rolled up my sleeves and fixed it — step by step, legally and effectively.
If you’ve made mistakes or hit rock bottom, I’ve been there. And I’ll show you the exact steps I took — and still use today — to bounce back and build real credit power.
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Overcoming Personal Credit is simply Math
Your Credit Journey
Joe’s path to credit recovery was not without its hurdles. Following his divorce in 1999, he faced the daunting task of rebuilding his credit from scratch. The situation worsened during the mortgage meltdown, resulting in 14 foreclosures. Despite these setbacks, Joe’s determination and strategic approach enabled him to restore his credit, proving that persistence and knowledge can overcome even the toughest financial challenges.
Understanding Credit Math
The Simplicity of Credit
Credit may seem complex, but at its core, it’s a straightforward mathematical concept. By grasping the fundamentals of how credit scores are calculated, anyone can work towards achieving a high credit score. Joe emphasizes that understanding the components of credit and how they interact is key to unlocking financial opportunities. With the right knowledge, a 720+ credit score is within reach for everyone.
Joe’s approach demystifies credit, breaking it down into manageable parts. He believes that once you comprehend the math behind credit, you can navigate the system with confidence. This understanding empowers individuals to make informed decisions that positively impact their credit scores, leading to financial stability and growth.
Stay Connected with Joe
Join Joe on your favorite platform to explore exclusive content and participate in live sessions. Discover the secrets to improving your credit score and gain access to valuable resources. Click the button to start your journey with Joe today!
I’ve lived it. Over 30 years in credit — from fixing my own score after a divorce and again after the mortgage crash, to insider insight from Experian.
The First 4 Steps
The exact first four things I want you to do — no fluff, just action
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