Marine veteran, Millionaires Club recipient, and Credit Repair Expo 2026 speaker Joshua Rico joins Daniel Rosen and Keenan Jones to share how he went from a 500 credit score to a million-dollar credit repair business. Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/ While deployed in Iraq, a family member stole $6,000 from Joshua's bank account and tanked his credit. He came home to denials on apartments, denials on cars, and an 18.74% APR on the one vehicle he could get. After cycling through MLMs, phone flipping, barbering, and other ventures, the pandemic forced him to ask what he could actually build online. He found Credit Repair Cloud, finished the masterclass in two weeks, and landed 50 clients in his first month. Joshua breaks down every layer of his business: the $99/month recurring model, the organic marketing system built on video testimonials, and the disputing tactics his team uses daily. He explains why he stopped sending letters two years ago, how he uses upload portals, CFPB complaints, and social media disputes instead, and walks through his process for cleaning up personal information on credit reports. He also shares a late payment removal script, his approach to hard inquiries, and the pledge loan strategy he recommends for credit building. Tune in! P.S. Join the #1 event to grow your credit repair business: http://creditrepairexpo.com/ Key Takeaways: 00:00 Intro 01:28 From Deployed Marine to Million Dollar CEO 03:44 How Family Identity Theft Started It All 09:00 The Zero-Ad Script That Built a Million Dollar Following 12:16 How He Landed 50 Clients in His First Month 17:06 The Daily Routine That Took Him From Broke to Millionaire 19:10 The Hands-Off Business Model That Earns While He Sleeps 23:46 Why Mindset Is the Real Foundation of Every Success 31:00 The $300K Mistake That Almost Ended Everything 39:12 The Marketing System Behind His Million Dollar Business 44:26 Exactly How to Get Your First Client in 30 Days 53:26 The Advanced Dispute Strategies Nobody Talks About 01:16:00 One Piece of Advice That Changes Everything Additional Resources: Joshua Rico on YouTube Follow Joshua Rico on TikTok & Instagram Get a free trial to Credit Repair Cloud Get my free credit repair training 5 Possible Reasons and How to Fix Them Make sure to subscribe so you stay up to date with our latest episodes.

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