1. Program Overview & The Road Ahead:

What’s going on everybody? Kenney Conwell here and welcome to this particular module, the very first module. And I’m going to really cover the program and also walk you through what basically what to expect and what you are going to be in store for as you go through this particular course. So I’m really, really excited to be sharing this content with you. It has truly changed my life and it has changed thousands of people’s other lives that I’ve helped impacted along the way. And now you guys have the exact condensed format that I have used to help people improved their credit scores. Millions of points, literally millions of points. Removed hundreds of thousands of negative items from their credit reports and then get approved at the same time for hundreds of thousands, actually millions of dollars in funding and credit. So I’m excited because all of this stuff is going to truly, truly change your life.

So here’s what we’re going to cover. So the first thing I’m going to break down is the main objective of the system. And if I just go ahead and just stop, it’s financial leverage, right? So this is going to be a theme that I talked about, but financial leverage in this particular timeframe of where we are in the world is huge. And you want to put yourself in a position to be able to take advantage of financial leverage. The next thing is education. You know, education is actually more important than money. I’ll say that again. Education is more important than money because if you have the education about how to go get the money, you’ll never run out of money and then also power. So this the purpose of this particular program. I’m going to go ahead and cover some general housekeeping things. Just so you guys kind of know how the culture of this program works and the overall company. Important things to remember as you’re going through this journey. The program overview and essentially what we’re going to go cover and then why I created this program and then the impact we plan to make.

So we’ve already impacted thousands of people that I believe about 24,000 people, over 3 million points, hundreds of thousands of items removed on our previous program. And this program is just designed to further, further impact. So here’s the thing, right? We are at the 700 Credit Score Academy, and this is really what the transformation looks like. So, you know, you’ve got two places you’ve got below 700 and your credit isn’t where it needs to be. You have negatives, you have blemishes and you want to get yourself from there to 700 ++. So you can take advantage of what I call financial leverage. And that is the key guys, financial leverage. So once you have the leverage, you can go out and do whatever you want to do. Now, as you guys already know a lot to keep things really simple. So our process is to the point.

So the very first thing you’re going to have to do, and I’m going to break this down in great detail is clean your glass. So that is the very first thing we’re going to have to do. And this really talks about, or really shows you how to legally, ethically, and permanently get the negative items removed from your credit report. That’s not enough though. Most credit repair companies, credit pair programs, people that do this, just stopped with getting the negatives removed and just cleaning your glass. But what we also have to do is put ice in the glass. Which means we have to start establishing credibility. We have to start putting ourselves in a position to start going out and establishing new credit. Especially, if we’re going to get the negatives wiped clean or not have much credit history, because you have new or bad credit.

So we have to, we have to do this. And then the next step is we have to put water in the glass. And at this point, guys, what this means is we’re going out and we’re doing two things with this. Number one, we’re adding additional credit to our file, which I’m going to cover in this program. And then number 2, we’re going out and we’re applying for all the water i.e. credit that we qualify for. And this is the process guys. It is this simple. So over the next several modules and steps, I’m going to break down exactly how you do each one of these steps and how they kind of are subsequent and why you want to make sure you follow this process. So the main goal of this program guys is number one, is to help you improve your credit without you becoming a credit repair expert.

I just want to give you the knowledge so you can be lethal, but you don’t have to be a credit repair expert. You know, you’ll know everything you know, you’ll know everything you need to know, excuse me. So you can fish from a credit perspective. Like I really like to put people in the position to where they have the information, they have the knowledge, they have the resources, they have the skillsets so that way you can continue to do this stuff and impact yourself, your family members, your kids, the generation after you. So I’ll really give you guys that methodology. And the next thing is how to permanently remove any negative item on your credit that’s causing your glass to be dirty. Like I was saying before we have to clean the glass. Now, the other thing is I want to help you guys shift your mindset though when it comes to credit and also show you how to go from bad credit to excellent credit, and basically cleaning that glass, because it’s a mindset shift.

What I realized, and you guys are going to hear me say this throughout this program is your credit score is a three-digit number that reflects your financial behavior, right? And so what is your bank account balance, which is another thing I’m going to talk about. So if you don’t like the way those numbers look, then we got to take a strong look in the mirror and see what can I start to do differently to make sure that those numbers look good, right? And that’s really what it’s going to boil down to. I’m also going to break down how you can start building credit. Even if you currently have bad or no credit at all, like I’m talking about. That’s the ice. I’m going to show you step-by-step exactly where you go to start building credit today. And then also I’m going to show you how to maintain credit for the rest of your life, right?

So that’s the goal. So once we’ve shifted, we now want to put ourselves in a position to where we’re going to maintain excellent credit. And then once you have that excellent credit score, now the whole goal is to help you get that credit profile because that’s the biggest thing you want to have that content in your credit report. Once you have that profile, you can go out and get as much credit, much water as you qualify for. So you can start building wealth. And what I call ERI, which is entrepreneurship, real estate, and investing. That equals financial leverage guys. So that’s the key thing. That’s the goal. So going into this program, this is my intent. This should be your intent. So that way you can get maximum impact from this particular system as a client of ours, as a student of ours.

So you’re going through this and taking yourself to the next level. Now, a couple of housekeeping things. So as I’ve already said, this program has about 11 modules, 12 if you include the bonus module, you’re also going to have Facebook. You’re going to have access to the content portal that you’re in right now. So you’re going to have access to this. So anytime you need to check it on your mobile phone, check it on your laptop, your tablet, you always have access. The Facebook community. Make sure you plug into the Facebook group. If I haven’t friended you, friend me on Facebook, and then join the 700 Credit Score Academy Facebook group. Every single week, twice a week, we hold live Q&A calls. And the reason why we do this is because the hardest part is going to be the initial phase of this process over the next eight weeks as you’re going through this process and the faster you, you can do a faster schedule, but the key to this is I want you guys to understand that this is a marathon.

It’s not a sprint. And the other thing is eight weeks is going to go by really fast. So if you’re following the content, you’re following the modules, you might be able to go a little bit faster, but I recommend that you kind of stick with the pace that I outlined and you take action, right? And then I cannot stress enough, get plugged into the community, get plugged into the Q&A calls. We want you, I want you to be successful. I want to give you the blueprint, why you have the blueprint in this program, but I want you guys to be supported. So if you have issues, whatever the case is, plug into the Facebook group, right? And like I was saying, this program is really designed to be consumed over an eight-week period. So each week, I’m going to give you specific action steps that you can start to do to build momentum.

So there are going to be weekly content action steps things for you to do. And then if you have questions about any of the things that you’re going through, if you’re confused about something, you can attend the Q&A calls, and that’s why they’re there. Right? So each Q&A call is Tuesday, at 7:30, actually this Wednesday, I need to update that, but it’s every Wednesday from 7:30 to 8:30 eastern standard time. And then every Saturday from 10:30 to 11:30 or 11:00 AM. So typically we’re having those Q&A calls for you, so that way we can give you the support, the resources, everything you need to be able to be successful and being held via zoom and we stream it to the Facebook group. So you can register to the link of that in the back office.

And you’ll probably see them in the Facebook group as well. So make sure you register. Make sure you attend. Now, like any other thing, any other training program, anything that you go through, 50% is going to be coming from just basically going through the content, and then the other 50% is going to be coming from taking action. So you, you have to, and I encourage you, in my strongest, big brother, fatherly, you know, your homie, whatever you want to call me, credit advisor, coach, financial advisor, whatever you, however, you want to view me, I strongly recommend that you take immediate action on everything that I’m walking you through. Like I am saying, this is literally, literally changed my life, right? So I want to make sure you stay focused and stay in the Facebook group too. So as you’re going through, and you’re going through this process, get into that Facebook group, ask those questions and I’m going to cover the best way to do it, but just get plugged in because guys, this is really, this is really going to help you out.

So, most people will probably have questions about how do you get support? Well, like I was saying, the first thing you want to do is watch the training videos on, you know, in full and make sure you do the work, right? So most questions are answered in the videos, right? I put on full, but it’s really in full. So please forgive me but you guys kind of get what I mean. So make sure you watch the videos in full and do the work, right? Because if you do the work you watch each video, I outlined everything for you A to Z put together cheat sheets, everything. So you can get some results. Now, if for whatever reason, you’re still confused or you need help, you can always go to the Facebook group. You can ask your questions there. You can always also attend one of our twice weekly, Q&A calls.

That’s the reason why we have them there. So that way you can get plugged in with those specific questions. And then worst-case scenario. You can always email us at support@mymoneyedu.com, and either myself, one of my staff members will help you. But this is how you can be supported throughout this journey. As you’re going through the 700 Credit Score Academy. Now, a couple of important things for you guys to remember. So I say this all the time, and again, it’s no judgment. Like when I messed up my credit, which I’m going to break down, I didn’t mess my credit up overnight. It kind of, took me, you know, a couple of months, actually several months to where I just kind of got to a point where I hit rock bottom and I was like, my credit was messed up.

So I want you guys to understand that this is not a magic formula, right? This isn’t, I’m not going to cover any flavors of the week, any sleazy tactics that are illegal, or anything like that. What I want to cover is core lessons, right? Core lessons and financial topics and financial strategies, financial and credit fundamentals that will help you along your journey today and for the rest of your life. Right? So everything I’m going to cover is strategies and principles that should stay with you. That’s going to stay with you, right? So I want to make sure you understand that it’s going to challenge you. It’s going to challenge the way you think, it’s going to challenge the way you look at your money. It’s going to challenge the way you look at your credit, but it’s going to end and it’s going to put you out of your comfort zone. However, in doing all of that, you’re going to grow. Just like you go into the gym at first, it doesn’t feel good, but then you get into the swing of things, and then you’re like, man, I’m in the gym. I’m eating good and all that stuff and you feel good. So that’s going to help you guys. I’m telling you. The next thing is no excuses, right? So the biggest thing I want you guys to understand, I had to kind of come to grips with this. Even though I went through some things is I’m in charge of my financial situation. You’re in charge of your financial situation. You’re precisely where you are right now because this is how you have designed it, right? So if you don’t like where you are, you’ve already invested, which is awesome. You can change it. And going through this program is going to help you change it. But the thing I want you guys to understand is you have to accept responsibility for everything that you have right now.

And you also are going to have to be responsible for all the results you get from the program. So, you won’t get results if you don’t take action. So I need you guys to take action. I want you also to embrace the resistance, right? So you’re going to, you are going to run into resistance, not just from the credit bureaus, not just from your collection agency. You’re going to run into resistance with your friends. You’re going to run into resistance with them, your family. You’re going to run into resistance with your financial urges to go do something stupid. I’m telling you, you are going to run into resistance. So I’m telling you up front, right? Embrace that resistance and stay, stick to your goals, stick to the reason why you wanted to do this, right? So you’re choosing a new level of financial success.

And because you’re going to be basically, choosing to live in a new level financially, it’s going to attach. It’s going to come with resistance, right? It just is. You know, most people don’t realize, but planes take off against the wind, right? And then if you put enough pressure on the coal, it turns to a diamond. So I want you guys to understand that all of that resistance, you’re going to come across. It’s going to help you be much more successful. And I just want you to anticipate it right. And just do the work. I can not stress enough. Do the work. If you show up to these trainings if you take the notes and then you take action and you do the work, you know, there’s nothing else, your success is virtually, I’m not going to say guarantee, but it’s virtually guaranteed.

You just have to do the work, right. But I’m going to tell you upfront, if you don’t, if you don’t do the work, if you don’t take action, if you don’t follow the steps, nothing’s going to change. You’re not going to get any results and that’s not why you signed up and I’m going to really make it very difficult for you not to do it. So just make sure you do the work. Now, the thing I like to talk about and help you guys understand is that action, action, action, action. So if you have a question about something, just take action. You know, if you don’t know how to do something, just take action. If you’ve got a question, look at the video, look at the cheat sheet and then take action and follow the steps.

So, also guys, I want you guys to understand about the broke outfit and, you know, we don’t like to deal with people who wear the broke outfit. Now, this is what the broke outfit looks like. You know, you feel like, you know, everything, right? Those that feel like they know everything are typically the ones that stay stagnant and remain broke, right? They remain a failure. They remain, Oh, I know everything. So I want you guys to understand that if you’re coming to this, if you’re coming to this program with the mindset of you feel like, you know, everything you’ve already lost, you’ve already lost. So shift that mindset, take that broke outfit off. Like that’s the first thing. The next thing is, you know, using interaction as a replacement for your credit success results. Don’t get in that Facebook group. Now there’s one thing to get into the Facebook group and celebrate other people’s wins, ask questions, be proactive.

But if you’re just doing a whole bunch of interacting with people and interacting and doing all this, but you’re not doing this stuff to take action in your life, I don’t want you guys to mistake that for results, right? So again, there’s nothing wrong with connecting with people. We’re going to connect, but I want you guys to get results. So the way you get results is take an action. So I don’t want you guys to feel like, cause I know I’ve gone down that road of, Oh man, I’m doing this. I’m doing that. And busy, busy, busy, but I’m not getting, I’m not getting the, I’m not getting any results. Right? So the other thing is, I want you guys to ask questions, but don’t ask like specific questions about, Hey look, you know, like educational questions, like, Hey, I want to say educational.

Like we’re behind like a whiteboard and chalkboard and read some university somewhere and we’re trying to figure out how to go. What’s the square root of 17 divided by X, Y, Z plus 11, right? That’s not what I want you to get to. Like, I’m not trying to get you to understand other stuff academically. I’m trying to get you to understand it so that way you can get results and change your behavior. Right? So don’t ask those technical technical questions, right? Don’t get into the weeds of too much. Follow the steps that I have. Right? But don’t do that stuff. And when people start doing that, they’re too in the weeds and you’re too far gone. Right? So don’t do that, right? I’m not asking for help during the Q&A calls.
And then demanding support for, you know, for one-on-one attention. Don’t do that. Hey, look, we have the calls twice a week, right? For a reason, we have the Facebook group there for a reason, right? So don’t, don’t not attend the calls, don’t not be proactive and say, Hey, look, I want one-on-one attention. But did you, did you, did you try and do anything to support yourself? Right? And don’t play the victim role, right? You guys are watching this because you’ve decided to take action. Action. You’ve accepted responsibility, but don’t be a victim. Don’t blame somebody else. Hey, look, I don’t, am I going to say, I don’t care, but I want you guys to understand that if your credit is bad because of somebody else, if your credit is bad, because of some type of situation, whatever it is, just accept responsibility for it.

And the more you can accept responsibility for the good, the bad, the ugly, the more empower you put yourself in, the more you put yourself in the driver’s seat. But if we play that victim role, nobody, nobody wants to help. Nobody ever wants to help. You know, it’s almost like that old adage. Like if you see somebody on the side of the road and they’re trying to push the car, you be more likely to stop over and help them push it. But if you just see somebody just sitting there and you’re like, yeah, that guy is just sitting in there. People want to help people that are trying to help themselves. Righ?. So don’t, don’t be that person that doesn’t want to help. You know, don’t be that victim. Right? And don’t tell stories about, you know, let me say it this way, telling stories about whatever your story is about versus asking a specific question.

You don’t want to be that person that said, yeah, I woke up this morning and, and you know, the dog bit me. And then my, you know, my grandma and then my grandma had a football game in the morning. Then I had to take my grandma from the football game. And then after that, we had to go to the bank. And then after we left the bank, we went down to the grocery store and then we had to have a church, you know, we had to go to Bible study and then I didn’t get a chance to do my letters. Don’t be that person. Right. Don’t do that. Like do not do that. Just ask a question. Hey, look, I’ve got a question about how I fill-out just a particular challenge letter. I have a question about how I apply for this particular type of credit.

Don’t be that person to tell a story, because I’m going to say, Hey, look, you got the broke outfit on, right? Take the outfit off, man. Bro, sis, don’t wear that outfit, man. That’s a broke outfit. We don’t want that outfit. We don’t, we don’t want you to, to be doing that. We don’t want you to wear that. Like you, you want to put on the financial leverage outfit, right? That’s what we want. We want to good credit outfit. We want to financial prosperity outfit. So stay away from the broke outfit. But that’s, that’s the moral of the story. So the thing I also want you guys, and I’m going to continue to say, this is you are going to be tempted to do everything. Except the work you are going to be distracted. You know, your brother, sister, cousin, uncle is going to have this game going on.

And they going to want you to come to the cookout down the street during Thanksgiving, around the corner, around Easter, like whatever, right? All of this stuff is going to come up. Right? And all of those things are going to be there. All of that stuff will be there when you make it. It’s not going nowhere. Right? So, but what is going somewhere is your money is your time. So my recommendation is do the work. Don’t be tempted. Don’t be distracted, right? I’m going to break down exactly how you can eliminate distractions, but I’m telling you upfront somebody is going to hit you up. Somebody is going to say, Hey, look, if you, matter of fact if you’re watching, if you’re watching this video right now, you’re watching this module, put your phone on silent. I’m telling you, right.

They made the phone, you know, and the voicemail, they made the phone to get in touch with people and make the convenient. But they also made a voicemail if you don’t pick up. And they also gave you the ability to put your phone on silent as well. So those little distractions, what I’m trying to tell you, they turn into like one little thing, turns out another little thing, and next thing you know, you don’t get anything done. So I’m just telling you upfront. I don’t want to sound kind of, you know, hard on you or anything like that. Cause you know, I love you and I want you to be successful. Don’t get into that trap of somebody becoming a distraction in your life. Don’t allow somebody to be an emergency in your life, right. Just don’t do it. Right. So eliminate it. So when you’re going through this process, you know, if you’re going to get a good 20 minutes and a good 30 minutes, do it focused, right?

Don’t do it distracted. Right? Go ham. If you’re going to get a good hour or two hours in go ham, get that hour in focus and just take action and do all the steps. Now, a couple of other things, I want you guys to understand this is your mindset. So the biggest thing I’m going to help you guys do is shift, right? I’m going to help you shift your mindset about credit. I’m gonna help you shift your mindset about money. I’m gonna have to shift your financial behavior. So I want you guys to start to shift now by understanding there’s no such thing as losses, right? There are only lessons. And when you start to look at every lesson or every loss, I should say, as what kind of, what did I learn from that? What’s the moral of that story? How can I apply that in the future?

You’ll be able to now put yourself in position to build upon that foundation of what I call wisdom and knowledge, right? Trust the process. It takes time and this is not going to happen overnight. And, but here’s the moral of the story. If you don’t die or you don’t get sick, you’re going to arrive at two months from now, you’re gonna arrive at six months from now. You’re going to arrive at two years from now. So, because that’s the reality, if you’re planning on living, why not do the things today to put yourself in position in six months or a year from now to have the success that you desire, right? Nothing is a failure. Just like there are no losses, right? So I want you guys to understand that as you go through this process, some of the challenge letters, aren’t gonna arrive for whatever reason, you know, maybe they’re gonna get lost in the mail.

I’m not saying that’s gonna happen for everybody, but it might happen to you. Right? But Hey, all is not lost. You know, here’s the other thing, some of the negative items that you challenged, it’s not going to be removed on the first letter or the second or the third or the fourth. Okay. It took me 13 months guys to improve my credit, right. 13. So, but if you, if you trust the process, you follow the methodology that I have outlined you will get the results. Right? What this is going to do is give you the momentum. As I teach you through this process that, Hey, look with that second, the third or fourth, you’re going to build the momentum. And don’t look at it as a failure. Just look at it as a stepping stone, because you’ll be able to learn what you did differently.

And you can course-correct what the next challenge or the next thing that you applied for, right? Goals really do matter. So in this particular set of, in this particular week, I’m going to break down how you create your goals and how you can make sure you keep them in front of you as a daily reminder. So when those distractions come, bro, sis, cause they’re going to come, they going to come, you can have that goal. So you know what? I can’t go out tonight because I got to get my credit right. I got to get my, you don’t even have to say my credit right. I got to get my finances right. I gotta get my leverage right. I’m going to get my wealth building right. So now you can start to make those things be in front of you. It makes it, it makes it easier to say no.

Right? Because here’s the thing. When you say yes to that distraction, when you say yes to that thing, that’s natural goal. You’re literally saying no to your goal, right? So if you have a family, if you have a family, if you have a son, you have a daughter and you’re saying yes to the distractions, you’re saying yes, to all of these things that don’t line up with your goals. You’re saying no to them. You deserve better than that. Right? You have control. Right? So as you’re going to really start to see is, and I’ve already said this, I’m going to continue to say it, that your credit score and your bank account balance are reflections of your financial behavior. So changing your mindset, changing your behavior, really changed your mindset and your behaviors really what’s going to help you take this stuff to the next level and then time management and consistency.

So I cannot tell you enough that when you are consistent and you and you and you block out time and you just get it done, this is really going to help you get through this program and take action. And I want you guys to also what that time has been consistency, treat this like it’s going to give you $300,000 to a $1,000,000 when you complete. Because literally it will. Like, I want you to think about it. So if you’re going out and you want to buy a house, right? You want to buy a car, right? This is literally $300,000. So you’re going to treat this like it is a $300,000, $1 million deal because it literally is. And depending upon what your goal is for credit that can turn into more money, right? Because it’s actually going to be leverage when it’s all said and done, right?

So it’s going to be all leveraged for you. So, the other thing is a couple of pitfalls. So I’ve seen this so many times when people are going through my program or they’re going through the course, they’re going through the content. And the very first thing is what I call analysis paralysis. You guys probably heard of this, but you know what does this mean? This means you’re going to look at all information. You’re going to look at it. You’re going to re-look at it. You’re going to roll over it. You’re going to probably read it out loud but you’re not going to do nothing with it. Right? So just don’t look at it information. I need you to take action. Right? I want you to take action. So the other thing, and I’m going to address this is not creating a cashflow program.

So I cannot tell you enough that people go, that I helped them get their credit right and then they go out and they go run up a check. And the next thing you know, they messed up their credit again. Right? No, that’s not going to be you. That’s not going to be you. Don’t let me find that that’s what you did. Right? Cause I’m gonna beat you up. Right? I’m gonna, I’m gonna beat you up. I’m like, how dare you go up there and fixed your credit and not be responsible with your cashflow. Right? No, don’t be that person. No. So what we’re going to do is I’m going to address it. I’m going to show you how you put together a cash flow program. So you don’t have to, you know, you don’t have to be that person.

Right. You know, can you make too much or too little money to budget is a lie. Right? That is a lie. You don’t make too much or you’re too little money. Right? So I’ll, I’ll share this with you. But the way I got to where I was at was being able to understand my numbers right. The other thing is don’t skip ahead of the modules guys, right? Just because you want to try to speed up your process, go through each module the way yeah. I have this course, the way I have this program built out is, each one builds upon itself. So if you try to go over and put the house on the, on the land without having a foundation, then the house isn’t going to stand. So everything is in sequential order. So don’t try to skip ahead because you think you know something, right?

And the other thing is, if you don’t, if you’re not consistent and you don’t block out the time, you’re not gonna be able to get any work done. So make sure you treat this, like it is literally like I’m saying, gonna give you millions of dollars because it will. So you have to block out that time, the same exact way you block out time to go to your 9-5, the same exact way you block out time to go to your business. The same exact time you block out time to spend time with your loved ones. You got to do this too, right? Because this is literally, you are investing in your future. And the other thing is, guys just don’t do one challenge and think that that’s going to only remove all of your negative items because it’s not, that’s not realistic.

Right? Don’t just do one thing thing and say, Oh man, I tried that credit stuff, man. They don’t work well. Well really, if you did one, you don’t work, right? It ain’t that, it don’t work. You don’t work. Right? So you gotta work. You gotta do it, man. Like you gotta get it done. And then the other thing, I am going to say this, and don’t fall victim to this, do not pour clean water and the dirty glass guys. It makes no sense. It makes no sense. Don’t go out and start doing some of those advanced strategies just to get a quick boost on your score. But you still got dirt in your glass. Do not do that. Don’t be lured into that, right? Because essentially what this means is do not become an authorized user before your glass is clean. Don’t do that because you are literally going to put clean water in a dirty glass.

I don’t know about you, but I wouldn’t drink in a dirty glass. You probably wouldn’t either. Right? Makes no sense. Right? It would make more sense to clean the glass. So don’t do all of these things. Stay away from these things because this is going to help you be more successful and have a better overall process and program as you go through this. So let me walk you guys through a couple of things. So I didn’t always, I didn’t always start off this way. You know? So you know, my background, I went to North Carolina A&T and graduated back in 2009 and didn’t want to have to get a job. I started in the financial services industry back in 2007, graduated didn’t have to get a job but when I first moved back to Charlotte, because I was in Greensboro, North Carolina had to get it.

You know, I moved back and my parents ended up, doing like a financial advisor position. I was self-employed. Was doing really well for about two years. Just making some pretty good money in my early twenties. I think I was like 23, 24 at the time. And you know, I was trying to supercharge my success. So in the summer of 2012, I really wanted to make, I really go into 2012. I really want to make six figures, man. Like I really want to, I felt it in my bones and I put together this elaborate business deal and when it was all said and done, I was going to make over $100,000. You know, I leveraged my credit at the time. I leveraged all my savings and you know, guess what guys? The deal did not go through.

So we’re at about August 2012 and I can’t even pay my half of the rent. My car is out for repossession. I have lost everything. And I had to move back in with my parents. I mean, I went from, I went from being this self-employed essentially financial advisor. I was a financial advisor, advising about their finances. Put all my eggs in one basket, one deal and blew it. Right. I mean, I, I completely blew it, man. It didn’t work out the way I thought it was going to work out. Right. And I ended up moving back into my parents and you know, hit rock bottom and realized that when I hit rock bottom, you can kind of see a screenshot guys of my bank accounts. Like I, you know, I had a PNC bank account and they had some Wells Fargo accounts.

And look at this, they’re all negative. Right? My PNC bank account was -$370, my Student Checking was -$373, My Auto Draft account, which was something I talked about was -6$73. My other business account with Wells Fargo was -$698, I have other three other business accounts with PNC, all three were negative. -$731, -$821, -$1,100 guys. When I say I hit rock bottom, I hit rock bottom. I had to go from being a self-employed person, being a self-employed financial advisor, because I was, I was making like 60 grand a year, which when you’re self-employed making 60 grand a year, it’s not easy. So I was doing pretty good, but I tried to supercharge my success. Nah, no, you can’t supercharge your success, man. Never chased the big deal. That’s a whole nother conversation that I’ll leave for somewhere else.
But I just want you guys to understand that back in 2012, this was like the break when bad credit started for me. Right. This is how it started. Like, because you know, I had to, you know, obviously, I was, I didn’t even have money in my bank account, so I couldn’t pay my bills. Right. All my credit was leveraged out. So I ended up, going and interviewing for a job that the very thing I avoid, you know, I vowed again, it’s all, man. I don’t have a job, man. I want to be an entrepreneur and all of this, but I, you know, I had to be real with myself. So here are screenshots of the interview. So I was in Charlotte, North Carolina, and decided to essentially move back down or not even move down, but move to Atlanta with just clothes and a car.

And, and that’s less literally all I had was clothes and a car. And I wonder if I have a picture here. I think I may have a picture. I can show you guys of my Atlanta stint. Give me one second here so I can find my apartment. So you guys can see that I’m not making any of this up. Well, obviously, I’m showing you screenshots, but let me see here. Here it is. Yep. So here it is guys. You can see, when I moved to Atlanta, I only had, I had all of this stuff in my Mustang that was out for repossession, all of the stuff in here, and this is all I had. Right. Literally. And when I moved back, when I moved back, when I moved here, I ended up getting this job.

This is a screenshot showing that, Hey, look, your interview was on this day. And I moved down there. I’m not even moved down. I came on the interview and then here’s another screenshot saying, congratulations in January 3rd, January 18th, you got the job. And then I was at that job for about nine months and it was a really good sales job. I ended up becoming the number one salesperson at the job. We were basically helping people giving shirts. I was insurance licensed before I became, when I became a financial advisor, I had to get insurance and my investment license. So I just used my insurance license during that timeframe. And you can see the screenshot that I literally went from having this negative bank account situation, paying all that stuff off, getting furniture in my apartment, um, getting my car back on a payment plan.

And you know, basically, get rid of myself out of that and becoming a number one salesperson at that company. So you can see right here, it’s showing me, I had 238 deals closed over a rolling, I think six-week period. I was number one and I ended up walking away from that job in September of 2013 to do my own thing as a self-employed insurance broker and, financial advisor. And that’s really when it all hit the road. So I, I hit rock bottom, but I climbed out of it. And fast forward, two years later in 2015, really between 2014 and 2015. So really about a couple of months later, that’s when I made my first $100,000. So you guys can see that between June 2014 and June 2015, I made $100,000 my first time in my life in a 12-month period timeframe that I was able to cross a hundred thousand dollars, what I wanted to do back in 2012.

But didn’t listen to some of the principles of some of our mentors. I’ve never chased a big deal. Focus on daily actions. Focus on daily behaviors, which is something I’m going to cover with you guys throughout this program. But you guys can see the screenshot. This is my income. This is what I made my first $100,000 but here’s an issue, right? I still had this credit thing I had to address, right. I still had this credit thing and I was kind of embarrassed because I was still kind of invited to people on their insurance and kind of giving people advice about budgeting and cash flow. And my credit was still messed up. So you can see a screenshot right there in June, not even June, but January 2015, January 2015. And I remember like it was yesterday going into the new year. I was like, man, I’m making some pretty good money.

I’m on track to do six figures at the time I was on track in January. I mean, I can’t keep living like this. So it was at that point that I started the journey of really getting my finances back in order. Not just from an income perspective because that’s a different story, right? You know, you sometimes gotta get yourself out the hole, but then once you get yourself out of the hole, you still have to get your finances in order. Like you still want to start to put yourself in a position to where you have really good financial behaviors. And that’s when I started to do it. Cause I had the money coming in. I got myself out of that hole at this point. Um, I really got myself out of the hole in 2013. I spent that whole year doing that.
So now I had to really start transitioning. So right there, you can see the screenshot. It was January 2016, I was at a 523, and then rolling into February 2016. I had literally boost my score up to 747. So it took me as you guys can see 13 months to do this process, right? It took me another two years between where I was and did this to get, to even get the break of $100,000. So I say that to say, if you’re on the, if watching this, if you’re going through this program and you already make six figures, Hey, look, I’m not judging you. I was making six figures before I even got my credit right again. Right. So what I am trying to show you in full transparency is, Hey, I started over, I had to regroup and if I can do it, so can you right?

And, and you know, I had a lot of expenses, I had to come overcome and all that stuff. And now, I operate and own and operate MyMoneEdu. And I’m not showing us to impress you, but now we a million-dollar company, and I have 700s across the board. I have well over a $100,000 in credit lines available. And I leveraged my credit and my business to impact people, right? So you can see the number of customers that we’ve been able to get between that timeframe. We went out and impacted 10,000 customers over the course of 12 months and that’s how I know that this process that I’m covering with you guys works, right? So if I can do this, you can do it. If I can put myself in a position to have great credit, but not just help myself but help tens of thousands of people, I can definitely help you.

Right. So look at this, look, look at Maya. So she’s someone a really successful entrepreneur here in Atlanta that I met. She started with us back in January and she didn’t really have bad credit. She just had some things that she had to get removed. Went through this process. She has an 800 credit score now, right? So I was breaking it down. Another gentleman when he first started, he’s another successful entrepreneur. He had a 540, he followed this process. Now he has a 780 credit score. He’s a successful entrepreneur. And I believe he just got approved for about $150,000 in just credit funding that he’s now using to grow his company. So this, this guy is really, really sharp. His name is Boniface, just like any successful entrepreneur, right? He gets it done or just take up, take up Don right.
Don is a widower father. And, he was transitioning through some tough times with his career and also with the passing of his significant other. And you know, he had tough times, you know, with this credit. And he went through this process and now he has a 765. He’s growing a now a thriving coaching business. And he’s on track to start leveraging his credit to get started in real estate. So again, there’s no reason why this cannot be you, right? There’s no reason why you can’t get similar results. There’s no reason why you can’t start getting approved for the things that you deserve financially. Right? There’s no reason why you can’t start leveraging your credit to build wealth. Because again, guys, look at this, look at this. Literally, I leveraged my credit to make me make over a million dollars.

Right? Like, I want you guys to see this. Like I did this. So when I say this, there’s no reason why you can’t start leveraging your credit to build wealth. Right. And there’s no reason not to take immediate action. Like literally guys, I am showing you how I went from a negative bank account with terrible credit to creating a million-dollar company because of leveraging my financial behavior in my credit. Right? I am telling you, I have helped so many people start this journey. Millions of points improved hundreds of thousands of, I can’t say millions of things removed, but hundreds of thousand things removed and millions of dollars in funding approved. Right? So let’s cover how this program’s going to work. So you may be asking yourself, so what makes this training so good? You know, so Kenney, why is this so good?

Well, like I said, I try to keep things simple, right? Number one, I’m going to show you how to clean your glass right? I’m going to show you that. I’m going to break this all down in great detail. Everything about the laws, the fair credit reporting act, the different challenge letters, the challenge cycle, how to remove collections, personal identifiers, all of this stuff you’re going to learn. So any type of dirt that’s on your credit, I’m going to show you exactly how to address and get the specific cleaning solution to clean your glass. Now, it doesn’t stop there. The next thing we have to do is put ice in the glass, right? We have to put that ice in a glass so we can start building credibility. So one of the things that I had to learn, even though I got the negatives removed was I had to learn how to build credit.
And furthermore, I had to learn how to build credit when I didn’t have any credit. So I’m going to walk you, I’m going to walk you through the shortcut. Really. I can’t even call it a shortcut. The knowledge base that they should have told you, but they didn’t tell you in school on how you can get approved for ice, i.e. new credit. And then I’m going to show you how you can go put water in your glass. I’m going to show you how to go out and get credit. I’m going to show you how to start to build yourself in a position to where you can go out and get started in ERI entrepreneurship, which is the path that I chose, real estate, which is another path I’m choosing or investing. Whichever one you choose to do, right?

Nine times out of 10, if you want to get approved in a house, I mean, you want to get approved for a home, you have to leverage your credit. And then you have to leverage your credit to go buy real estate, right? That real estate can turn into an investment. So again, all of this is outlined guys. So this is why the process works so well. So here’s what we’re going to cover in each of the programs. So week number one, I’m going to break down how to kick bad credit’s ass and create S.M.A.R.T Credit goals, right? That’s the first thing, the next thing I’m going to do is we’re in week one right now is cleaning your glass. So this cleaning your glass is going to be broken down this way. So the first part of this training is just all about cleaning the glass.

So part one or week or week two, I should say, I’m going to break down how to audit your credit report specifically. And if you want to speed this process up, you can. But again, I’m going to break down the nuances of auditing your credit report. So you know exactly what to be working on. Week number two, I’m going to break down suppressing your credit reports. So I’m going to break down week two or module two of cleaning your glass, how and why we suppress our credit reports and why we go out and we do that. So most people don’t know that there are hundreds of data furnishers, but there’s main, there’s like a main 14 data furnishers where Equifax, TransUnion, Experian get their information from. I’m going to show you how to suppress your information with those things. Number four, I’m going to show you how to start creating your challenge letter.

So I’m going to break down why we don’t dispute and why we challenge and why the laws have changed. Even from when I was originally fixing my credit to now you have to use what this call, what I call a challenge process. Then the next thing I’m gonna break down is how to send your letters, right? And then not just sending your letters, cause we’re going to create all the letters. And then once we’ve created the letters, now we’ve got to send the letters. I’m going to show you exactly how to send the letters. So a lot of people try to figure out how well, you got some people try to fax letters, which is good. I’m trying to mail letters. I’m going to show you how to mail and fax and then how to respond when the credit bureaus and the creditors send you correspondence.

So I’m going to show you how to respond to them with your additional letters. So this is going to be essentially the foundation. So this part of the process really is where most of the heavy lifting happens, especially when we’re creating and sending our challenge letters, because that part is going to happen probably four, three, four, five, six times until you get those negatives removed from your credit. It may happen seven, eight times, but I’m going to show you how you continue to send those challenge letters until you get those things removed or get the favorable outcome that you’re seeking. Now, once we’ve done that, we’re going to start going to where I say, putting ice in a glass. So I’m going to show you how to number one, start building, Building a starter credit. So you got to build starter credit.

I’m going to show you how to get approved for $14,000 right out the gate and start a credit.
And then I’m going to show how to get approved for revolving credit and break it all down. Then I’m going to show you how to put together a cash-flow program. Again, I was kind of speaking about this early on, but cashflow is king. I’m going to show you how to create a cash-flow program. So as you’re going through this process, you can make sure you are, not only fixing your credit but being financially responsible. So that way you can maintain great credit. You’re going to understand that in the credit game, it’s not about leveraging your credit or let me, let me say it this way. It’s not about using your credit or putting stuff on credit to not pay it off. I’m going to show you how having a cashflow program. You never spend on credit, which you don’t have in cash, unless you know that that credit you’re leveraging, it’s going to help you return your money, right?

So that cash-flow program is pivotal. The next thing is building and establishing new credit. So once you’ve got the starter credit established, which I’m going to break down and you have a cashflow program, I’m now going to start to show you how you can start building newly established credit and how you can start to really leverage some smaller credit cards to get points and get cashback. Then I’m going to show you how to start pouring water in a glass. So on this part, at this point, I’m going to show you exactly what the authorized user blueprint is designed to do and how you can literally add 2-10, 2-20 years of good credit history to your file and an extra hundred, maybe extra points as well in the process. I’m also going to show you in the next part, week 10 how you can start purchasing big-ticket items.
So if your goal is to go out and purchase a home, if it goes to purchase a car, if it goes to leverage your credit, I’m going to show you how to do those big-ticket items. And then lastly, I’m going to graduate you to the 700 Credit Score Club. So that’s the goal is to get everybody gets you, as you’re watching this, to the 700 Credit Score Club. So it might take you three months. It might take you four months. It might take you five months, but this curriculum is designed to help you get the fastest result to get you to the 700 credit score as soon as possible. Right? And then module, I have a bonus module, and it’s really me going into how to build wealth with ERI and that’s entrepreneurship, real estate, and investing. So this is, this is everything that’s in store for you as you go through this particular program.

So I’m super excited. I am pulling back the curtain and show you everything you need to get the results. And this is why people get success because it’s all outlined in three easy parts; we’ve got to clean the glass, we’ve got the ice and then we’ve got the water. All right. So, what I want to do or what I’m going to have you do is there’s a, you can download this and I want you to download this and I want you to pin it up at your home house. And I want you to, I’m going to remind you on a daily basis that there are only four things that matter, right? When you’re going through this process, number one is cleaning your glass. So we’ve got to remove the negatives. Number two is establishing new credit, right? So it’s not just removing it. We’ve got to establish new credit, number three, adding credit history, and applying for credit.

And then number four is, we’ll pour water in a glass and then number four is apply for credit and then manage our cashflow. These are the four things that matter: cashflow, removing negatives, establishing credit. Cashflow, removing negatives, establishing credit, and then adding some water when we’re ready. Right? This is it guys. These are the three things. Okay. So here’s a recap of everything that we cover. So number one, I covered the main objective of this program. Number two, I broke it into housekeeping. So that way, you know exactly how to get plugged into our community, not to wear the broke outfit, the pitfalls or watch out for. I also broke down some important things to remember going into this. So you understand kind of what you’re up against and how to be successful. Number four, I also broke down the overview and I just covered the only things that matter in this program, cleaning glass, ice in a glass, water in a glass manage cashflow. Cleaning glass, ice in a glass, water in glass, manage cashflow. Really is cleaning glass, manage cashflow, Ice in a glass, pour water in glass, right?

But those are the things. That’s it. That’s all you need to be focused on. Right? So the reason why I created this program is because there’s a huge lack of financial education in America, especially in the minority community. So I really, really have the goal and the desire before I die to eliminate the wealth gap in the African-American community by 10%, that’s my goal here. But the reason overarching under that is because there’s a huge lack of financial education, right? I even had a lack of financial and my parents didn’t teach me this stuff, right? So number two is my goal is to help 1 million people achieve a 700 credit score by 2026. So the more people we can do, the more people I can help, the more people you can now impact we can, we can impact literally a million people and think of it this way.
A million people impacted 700 credit score, all the homes, all the lines of credit, that does literally over a hundred million dollars, potentially of new wealth created because of credit by 2026. We’ve already helped about 24,000 like I was saying through this platform collectively with MyMoneyEdu. And I think it was about 2.9 million points, close to 3 million points. And removed about 215,000 negative items. So you’re now going to be a part of that and we want to continue the momentum that we’ve built. And again, my whole goal again, and I’ve said this multiple times throughout this particular module is to help the minority community. Help us, basically leverage their leverage our credit. So we can start building wealth with ERI, right. And when I say ERI, that’s entrepreneurship, real estate, and investing, right?

That’s the goal guys, because once you have the credit, you now have what I call financial leverage. You have financial leverage. So financial leverage is literally how we take ourselves to the next level, because we understand it. Now, you have everything you need, guys, you have everything you need to take yourself to the next level with this particular program. And the only thing I want you guys to understand at this point is, what you know does not matter, it’s what you do, right? It’s what you do. It’s how you’re going to take action after watching this video. So as I’m closing out, I want to leave you with this last little quote that I kind of created myself as I heard the first part: To know and not to do is not to know, but I added this, let your results prove your knowledge. So to know, and not to do is not to know, let your results prove your knowledge. So with that guys take action. I will see you in the next module.