Herman Dolce

And depending who will pick up the phone, they'll do it there right on the phone at TransUnion Equifax or Experian. Or sometimes they'll say, hey, can you send me your current driver's license or utility bill? And you'll do that and they'll delete it.

Same thing with jobs. Yes. Anything demographic is a phone call you can delete. When it comes to negative items like charge-offs, collections, or a little bit harder to fight, got to send some letters, use a fair credit reporting app to help you fight it.

Same thing with jobs. Yes. Anything demographic is a phone call you can delete. When it comes to negative items like charge-offs, collections, or a little bit harder to fight, got to send some letters, use a fair credit reporting app to help you fight it.

Same thing with jobs. Yes. Anything demographic is a phone call you can delete. When it comes to negative items like charge-offs, collections, or a little bit harder to fight, got to send some letters, use a fair credit reporting app to help you fight it.

Yes.

Yes.

Yes.

Um, number one, I want to talk to you about taxes for two seconds, because you said something really interesting. If you're in a lot of credit card debt and, um, everybody always looks at me crazy when I say this, I was like, well, we were taught that, um, on our W2s, when we first get a job to like, I guess, take the maximum deduction.

Um, number one, I want to talk to you about taxes for two seconds, because you said something really interesting. If you're in a lot of credit card debt and, um, everybody always looks at me crazy when I say this, I was like, well, we were taught that, um, on our W2s, when we first get a job to like, I guess, take the maximum deduction.

Um, number one, I want to talk to you about taxes for two seconds, because you said something really interesting. If you're in a lot of credit card debt and, um, everybody always looks at me crazy when I say this, I was like, well, we were taught that, um, on our W2s, when we first get a job to like, I guess, take the maximum deduction.

I was like, you know what you're doing when you do that, right? You're giving the government a tax-free loan or interest-free loan for 12 months. And then in January, February, everybody's on my timeline, balling, going to Cabo. because they got a tax refund check of five, six grand. I was like, or you're going to make some adjustments.

I was like, you know what you're doing when you do that, right? You're giving the government a tax-free loan or interest-free loan for 12 months. And then in January, February, everybody's on my timeline, balling, going to Cabo. because they got a tax refund check of five, six grand. I was like, or you're going to make some adjustments.

I was like, you know what you're doing when you do that, right? You're giving the government a tax-free loan or interest-free loan for 12 months. And then in January, February, everybody's on my timeline, balling, going to Cabo. because they got a tax refund check of five, six grand. I was like, or you're going to make some adjustments.

And this goes to your question about financial literacy, or you can make some adjustments on your W-2, your I-9, whatever. And that money you get every other week or every month, that two, three, four, $500 a month, that's what you're going to take and start to pay down your credit card debt. Um, and, and, and including the side hustles that you may have.

And this goes to your question about financial literacy, or you can make some adjustments on your W-2, your I-9, whatever. And that money you get every other week or every month, that two, three, four, $500 a month, that's what you're going to take and start to pay down your credit card debt. Um, and, and, and including the side hustles that you may have.

And this goes to your question about financial literacy, or you can make some adjustments on your W-2, your I-9, whatever. And that money you get every other week or every month, that two, three, four, $500 a month, that's what you're going to take and start to pay down your credit card debt. Um, and, and, and including the side hustles that you may have.

I mean, when I teach people that they get out of debt a lot faster and I call it, here's how you get out of debt without getting a second job. And that always piques people interest. Um, so that's the last component in getting out of debt on the business, on the personal side, which will transfer to some great opportunities on the business side.

I mean, when I teach people that they get out of debt a lot faster and I call it, here's how you get out of debt without getting a second job. And that always piques people interest. Um, so that's the last component in getting out of debt on the business, on the personal side, which will transfer to some great opportunities on the business side.

I mean, when I teach people that they get out of debt a lot faster and I call it, here's how you get out of debt without getting a second job. And that always piques people interest. Um, so that's the last component in getting out of debt on the business, on the personal side, which will transfer to some great opportunities on the business side.

Cause now you actually understand taxes just a little bit better.