Welcome to invest in yourself, the digital entrepreneur podcast. Join the podcast mogul Phil Better as he interviews successful entrepreneurs that that make their living in the digital world. Now let's join your host Phil Benner as your special guest today on Invest in Yourself, the digital entrepreneur podcast.

Welcome back to the listeners to another empowering episode of Invest in Yourself, the digital entrepreneur podcast. I'm your host Phil Bennet, the podcast mogul. And today, we have an expert joining us whose insights are poised to transform your financial landscape. Now let me set the stage for you. Picture this. You got a big dreams and ambitious goals like we all do, but perhaps your credit score isn't singing, your praises. Fear not because today's guest is here to guide you through the labyrinth of credit repair and financial management. Our guest specializes in the art of credit repair and credit leveraging coaching.

With over 2 decades of experience under his belt, he dedicated his career to helping individuals and stewardship. Where they're aiming to skyrocket your credit score, strategize ways to leverage credit for your business endeavors. He's the go to guru you've been searching for. So if you're ready to unravel the of credit repair, embrace the power of financial literacy, you're in for a treat. Please welcome an extending a warm welcome to our esteemed guest, none other than the maestro of money himself or sorry. The maestro of credit himself, Michael Charge. Michael, thank you so much for being here. Hey there.

Thank you. Thank you. Thank you for having me, and I appreciate the, intro. Definitely a beautiful introduction on your part. Thank you very much. It's my, it's always been my goal to be, like, the the the hype man for some band or something. So it's like every episode I have a hype man for the guests. At least I can do that to, to showcase how awesome you guys are when you come on to the show.

Yeah. Yeah. It helps out, man. It helps out.

Good. I'm glad. I'll continue doing it then. Michael, let's just jump right into this interview. Why did you become a digital entrepreneur?

What was it about entrepreneurship that sparked the curiosity for you to venture into this world? Well, honestly, for me, if I were to really break it down, I'd say I wanted to do something that mattered. I wanted some I wanted to do something that would last and positively impact others. That's really my main focus and my goal. If you really think about it in businesses altogether, they provide some type

of of of goal. They all have some type of goal to help consumers help other people, And mine, I wanted to do that towards, towards credit. All of that. So where how did your story with credit start? Because not everybody is financially literate. You know? They we don't get taught about credit in school until we hit university and get, hey. Have a free credit card to 5,000, then all of a sudden, you know, you're you're never climbing out of that hole. But some people do, because they either talk with someone like yourself, start reading books, they start educating themselves. What was it about credit? Like, did you have a story with credit that, that you're like, well, I've overcome this.

Now I wanna help others?

Yeah. Yeah. And you you hit you hit it right on the nail. We're really not taught this, especially in school. So we graduate high school or, you know, even college at that sometimes where, we get out and we're introduced into this world and, have to start buying homes, cars, and so forth and being bombarded with credit applications left and right and not knowing really what to do. And really for me, I went through that journey. And when I started to actually notice that everything that I needed really required credit, when I needed to buy a house, I it required credit. When I needed to get a car, it required credit, and everybody around me started to experience the same thing.

So, first time, really deep diving into it was when I had to buy a house. A realtor sat me down and said, okay. You thought you were here, but you're really not. You need to establish a profile, credit mix that's strong enough for you to get qualified for for this home. And that really took me into that journey, into understanding credit. And then it took me to the next stage in life to where I wanted to do figure out how to repair credit because I had people around me, family members that had that those type of challenges. So I, you know, started that journey and used YouTube University was one one point of guidance. Right? That was really where where I spent hours and hours just educating myself and implementing the things that I was educating.