Daniel Massimino

That's probably the biggest, most common one.

However, most of our competitors are structured as a credit repair company.

And what we're focused on is more so the loan readiness because loan readiness isn't just credit repair.

It's also debt to income.

So how can we lower debt and how can we raise income along with the credit?

And so now you have a holistic view of the person's finances when it comes to getting approved for loans.

That's a great question.

So there's actually three models that we use.

There's a monthly model.

So the consumer would pay anywhere from $99 to $10.

$299 as what's called a first work fee.

And then they would pay anywhere from $99 to $199 a month.

The second model is a performance-based model.

So the consumer would pay a first work fee or an enrollment fee of like $299 to $499.

And then they're only paying for what we are able to successfully get removed from their credit report.

And then you have the final model, which is just a flat one-time fee of anywhere from $1,000 to $2,000.

It was all the performance-based.

However, we realized that in order to do that successfully, we needed a much more robust accounting and billing system, which we didn't have at the time.

So now we do, and we're able to do that model.

And