Welcome Home with Monique

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Unknown Speaker 0:47
Good morning. This is Monique Buchanan, the host of the welcome home with Monique show. And on this show, I talk all things real estate. Listen, I want to thank you for tuning in. Well, good morning, KU MB family and thank you so much for tuning in to another episode of welcome home with Monique show. I am your host, Monique Buchanan. And before we dive in, I want to take a moment to express my gratitude and give honor to Jesus Christ who has who is my foundation of my business. Okay, I've got another great show for you guys. Let's go ahead and jump into it. Today we have two incredible guests. Okay. They are with GE six services. They are experts who can transform your credit landscape completely. And that's talking business and personal. Please give a warm welcome to Mr. Rob Bailey and Mr. Janiero Roberts. Hi, Rob. Hi, Janeiro. How are you? Doing? Amazing. I'm so excited to have you guys on today. As you well know, credit is a is an important part of our everyday lives, but especially when it comes to home purchasing. Purchasing businesses even right. So I'm excited to have you guys come on and just kind of enlighten my listeners about you know, just how all of that works. And just you guys enlighten them. Let's start with Janeiro. Is that okay? Rob? Okay, so Janeiro is focused on the personal credit, is that right? Janiero? Correct. Okay. So if you want to just kind of jump in and just let them know exactly what you can do, I know that a lot of times, my clients will come and say, Monique, I used a credit, you know, a credit counselor, and they just strung me along. And you know, they took my payment for two years. Now, my credit is went up five points. What would you say to that Janiero?

Unknown Speaker 2:35
Well, I think a large part of the landscape of crazy, it's hard credit repair is something different. What Rob and I do is not just repair the credit, it's more financial advisement, Wealth Management, things of that nature. So essentially, you shouldn't pay monthly, because if it's if there's a service that's out there for monthly, the chances are great, the longer they keep you, the more money they make. Absolutely. So I don't ever subscribe to things like that, I think you should. If you're good, and you know what you're doing, then it's just you do it one time, and you get the person's credit clean. So each case is, is individual, because you're looking for 1,000,001 different types of violations that could potentially be on your credit report. So I don't agree with the

Unknown Speaker 3:29
cookie cutter thing, I think it's a disservice. Right. And also cookie cutter. Not everybody fits into one box. And so that's what I love about impossible.

Unknown Speaker 3:39
I'm sorry, it's impossible for you to fit everybody to fit inside of one box, simply for this reason. Every data furnisher reports to every person's credit somewhat differently. And we have to look at each individual credit report, which is why the whole YouTube and tick tock and all of these people that come on social media and tell you Oh, you're just in this magic letter, right? Well, people should understand that Equifax, TransUnion, and Experian, are made up of people, the same people that have Equifax, they have tick tock, they have YouTube. So we they see all of these things, and they just prepare for it. So somebody goes on tick tock on YouTube and says, hey, send this magic letter, the 609 letter, right? And they get 10 million of those letters and everybody gets the same thing and response. We know that this is not you sending it's an automated response. Your credit repair or restoration should be written specifically for you in your situation, right? Whatever laws are FCRA truth and lending laws that are violated within your credit report. It's the way it should be done. And that's time consuming, but that's the right way to do it so that it never comes back. Absolutely

Unknown Speaker 4:58
ABS salutely And so Rob, personal credit plays a major role in the business credit as well, is that right?

Unknown Speaker 5:08
Correct. So there's three types of credit, three phases of credit is personal credit, then there's business credit, corporate credit. So if you would liken it to a child with personal credit would be a baby. And then business credit would be a teenager, and corporate credit would be a full fledged adult.

Unknown Speaker 5:28
So I like that. So you said personal credit is a baby business credit is a teenager, and I like that and the adult is the corporate credit, as I write Janiero, Rob, like that.

Unknown Speaker 5:41
Yep, definitely. Going to be slow in the beginning, you're gonna need some support from the personal net called a PG was a personal guarantor. So basically, the personal credit will support the business credit. Once the business needs grown zone, it can stand on his own that the needs of personal credit at all. And that's called Corporate. That's always the end game is to get to the corporate credit side, where your business at the meeting support and the personal.

Unknown Speaker 6:10
Okay, so you guys have GE six services. And that's what you guys do. And that's what sets you aside. I mean, there's many things that set you aside for when you guys are educators. I love that about you. Here on my show, I like to educate my listeners about the real estate market, and you guys are educating everybody about you know how credit works, but not only credit, like you said, building that baby up to an adult, which is corporate credit. There's so many people out there that we shy away, even as business owners, we shy away from getting funding and things like that through our business or look at me like even getting a credit card. Because I really want to understand how it all works. I don't want to get myself into something, and then not understand how it works. So I think that there's many businesses that are dying in the graveyards, because they have not met you. And you know, Janeiro and Rob, you know what I mean? Because they don't know how to access that those funds and get those businesses up and running. So I have a lot of business owners listening right now. And I know that they're interested and want to know more especially because you guys are going to hold their hand and teach them, you're not just going to drop their hand once you get their credit where it needs to be and their corporate credit where it needs to be. So if you're interested in speaking to rob and Janiero, the, they can be reached at 470-747-7789. You guys 470-747-7789. And if you for some reason haven't been driving, you weren't able to write that down, you can always reach out to me and I will get you in contact with them as well. But let's jump back into it. Janeiro, what are some of the the misconceptions you hear about credit?

Unknown Speaker 7:52
Well, I think particularly people don't really understand how is it that people get the access to millions of dollars, and most people think, Well, I have to have perfect credit. And in order for me to get a bank loan, it goes that way, it actually works sort of differently. If you look at what's going on in the news, right now with our former president in New York, right, he was the master of creating business entities and creating corporate credit. So he basically had a baby gave the baby steroids and made it an adult. So that it was self sustaining, gave the baby steroids now the baby is a full grown adult. And that baby goes in accesses millions of dollars to do whatever that project is. And the baby, the now adult, paid the parents a salary, so to speak, okay, so that salary is totally protected, the adult is responsible for itself. And the state of New York is upset because that those numbers were so inflated, that they believe that they are somehow a violation there. Now, having said all of that, the biggest misconception is there are two types of the two mindsets, your personal credit, you only want to utilize 25 to 30% of what's available to you. So if you have a $1,000 credit card, you never want to use more than $300. Well, once you get to corporate credit, and you have a $1,000 credit card, you want to use all $1,000 of it. Because there's a that says two different things. On personal credit, it says hey, this person is being very responsible. They have access to more but they're not utilizing it. Right. So that's that means we can trust them with giving them a lot a large amount of credit because they're very responsible on the flip side on the corporate in the business credit. It says this person has $1,000 and they're making the payments every month so that Business is served is thriving. That's a good thing. Right? Right. It's a good thing. So the hardest part is trying to get the person to understand the two different mindsets that you must walk around with, on your personal credit, and you don't want to use that. On your business credit, you want to overuse that.

Unknown Speaker 10:18
Okay? It does make sense. And you're right, I've always heard, you know, if your limit is $1,000, you definitely don't want to go over 300. There's just so many nuances to credit, you know what I mean? And I think that's where we get, we get hesitation, because we're like, Okay, what am I doing, right? For instance, when I moved, picked up and moved my family to Austin, Texas, I paid everything off. generel Rob, I said, Oh, this is gonna be great. I'm gonna pay my car off. I'm gonna pay all this off. Do you know when I paid my car off? My credit dropped 100 points. I couldn't believe it.

Unknown Speaker 10:51
You know why it makes sense. Why your utilization utilization change. The algorithm that we use in the credit fear is designed to see how you manage credit, we're looking to see how is it that you manage your debt. And if you get rid of your debt, especially all at one time, the assumption is you get some type of a windfall. And that's the only reason why you did it. So you have to understand that your credit score is your reputation, your credit file is your resume. So think about that for a second, your score is just what people are saying about you. You got a 700 800 credit score, you pretty much pay everybody. What if your if your resume is very thin, that means your resume, if you only had one job, How much experience do you really have. So you can have a high credit score with one credit card, that's a $500 credit card, if you've only used $10 up, you have a great reputation because you paid, you're not used, your utilization is not high. But your resume is horrible, because it's not very big. So when you pay everything off, sometimes you're deleting job history, or making sense to you. Yeah, so it says, Hey, I'm a 30 year old adult, but I've only had one job, and that job is only a year old. So your resume doesn't look that good. So the algorithm has to be a delicate balance. One of the things that Rob and I do that is unique to this credit sharing industry, is that we hold your hand from beginner all the way through the process. So it's not a we fix it. Now you're on your own right, we're going to talk with you month, we're going to talk with you monthly Hey, what are your plans? This is how you get there. That is the wealth management side that is the whole building generational wealth and knowing how to take your business and make it scalable, right. So we're just that financial pieces of hey, this is a smart move. This is not a smart move, hey, interest rates are gonna be going down second quarter next year. So let's start getting prepared for that now, right. The relationships that we have with banks were banks are now they solicit us to say, hey, we're looking for clients that are vetted, that are seasoned that have a good understanding, because trust me, banks want to give you money. They did they had that's how they make money, do they, they have to mitigate the risk? Our job is to make sure you're not a risk, and to teach you how not to be a high risk for the bank.

Unknown Speaker 13:24
And you guys have fostered those relationships between the bank where now they're reaching out for you and your clients to loan the money. Is that right?

Unknown Speaker 13:32
Exactly. Exactly. Banks come to us consistently, they really go to rob moreso than me I talk too much. So they go to Rob Moore, because he he's the brains behind the business side of the corporate funding. I'm a legal junkie. So I love the FCRA and truth and

Unknown Speaker 13:49
lending. You're the morning.

Unknown Speaker 13:53
Yeah, I do all I do all the talking. A lot of listening. He knows what when it comes to setting up your your corporation, your holding company, that person you want to talk to, that's the person you want to talk to this, set it up so that it is bankable in the future.

Unknown Speaker 14:11
So it's done. Right. And so let's jump to Rob. Rob. We're going to we're going to talk about that. But let me ask you something. What are some common mistakes that businesses make regarding their credit and how can they avoid those pitfalls?

Unknown Speaker 14:25
One of the most common mistake is using their home address.

Unknown Speaker 14:32
Guilty as charged.

Unknown Speaker 14:35
I mean, we all I've done enough, though, I didn't realize how important it was until later on we get the funding, start realizing the creditor, they look at that and being a mom and pop type operate. And they don't want to owe numbers. Just number a most mom and pop operations tend to go under. So that's

Unknown Speaker 14:54
what it is high risk, high risk.

Unknown Speaker 14:58
Credit Score is just that In the trader to the bank, will our will we get our money back? Can they afford to pay us back? Whatever we decided? Can we get it back with interest? And the credit for this is the indicator for them to place their bet. Okay. So I'm just left with even though. Well,

Unknown Speaker 15:18
I like what generel said that you, Rob are the man that's going to get my business owners I have many clients that I've sold homes that own businesses and they, they need that guidance. They said, Hey, I need somebody to set my LLC up correctly. Because even myself for years, I didn't have it set up correctly. And I just switched over to an escort. But people don't understand and know what the difference of an S Corp in a corporation. And you know what I mean? A lot of folks don't understand that. So it's nice to have somebody that you can go to get everything set up, right? Because if it's not set up, right, your CPA cannot write off those things that you need to write off. You know what I mean? So What all do you do for the businesses when they do contracting? Let me just go ahead and give your number one more time. If you're just tuning in, I am speaking with GE six services, they are the entire package guys, they do business credit, personal credit. Basically, they're gonna walk you through the, like you said, a whole financial package, the fine wealth management as well. So they don't just get you there, they get you there and keep you there. Okay, and help you make the moves that you're trying to make the right way. All right. So if you want to speak with them, their phone number is 470-747-7789. Again, you guys 470-747-7789. That's GE six services, you can also Google them, and they will come right up as well. Okay, Rob, go ahead and let us know what you do for my business owners.

Unknown Speaker 16:44
Okay, well, I'll start in the beginning. It all started with personal credit, and that is learning what it was how to use it. And along that journey, I started to realize that we knew nothing about business credit at all. And we know very little about personal credit, but we know even more even more zero.

Unknown Speaker 17:03
Right? So we shy away from

Unknown Speaker 17:08
the equity. So you know, what I tried to understand is that with business credit, it's okay. The personal credit is regulated. So someone has regulation. It's properly regulated situation, but bit is ready. It's like a wild wild west. Oh, wow, this is so many so much misinformation out there. And so it's kind of hard to grasp that because there's so many moving parts to it, way more than the people shy away from it. But it's something that every entrepreneur should understand and utilize. Right. A lot of entrepreneurs I know, you get personal savings or personal credit to fund their businesses, yes, which is, you know, the fastest way to go broke. Right. So, you know, what we do is we teach them about OPM, which is other people's money. I like that basically line of credit, you know, what the goal is to use OPM and leverage that to generate income, whether that's investing in real estate, or build up your own business to become more and then use it to pay back your OPM, which is the line of credit. And then whatever the profit is, keep the profit and then rinse and repeat and do whatever. But never, never use it on some no one uses their own Walmart, Apple Tesla and say who you are. Nobody uses their own money, they always use OPM, and they leverage that field to sell whatever product or service they have dinner people, whatever their pay their debt that whatever's left over, then doesn't repeat. So when we do, we're a full service operation. So we hold your hand through the entire process, from busy formation, to funding, then all the way to automation is killing that there's basically no bid for making does mean, making sure everything is properly set up and laying the foundation is the most major part. And that's the part that everyone overlook is that they think, Okay, I got a address I got down I'm good. It's so much more than so much more. I mean, far as having the proper in ISBN code, and it's

Unknown Speaker 19:19
even the address. Look at that. I missed that. I thought I set mine up, right. But uh, here I am using my my home, my home address, and now that's going to hurt me when I go to get funding. Right,

Unknown Speaker 19:30
right. But, but but the answer to your solution is so easy.

Unknown Speaker 19:36
Great. For you. It is Rob.

Unknown Speaker 19:41
Yeah, I know it sounds complicated. It's not it's not. We didn't credit. It's not complicated. It's just a lot of steps. And we don't know we just don't know the information. We don't know what we know. We don't know. We don't know the application of that information. So like, it's like having a recipe and know what the ingredients are, but they're not knowing what to do. All right, 350. Linda, what do we do? Right? So it's two parts of it. My goal is just to teach our, our family members, I don't even call them clients because our clients are like family. Some of them they were at the beginning seven, eight years later. So because it's a process they never thought, right.

Unknown Speaker 20:20
Yeah, that's what I love about you guys, because that's my biggest fear. And I think a lot of our biggest fear is that we'll get out there and those waters of business finance, you know, and then we won't know how to swim back to shore. But you guys say, hey, we'll hold your hand, even if it's up to two years, we're still able to reach back out to you. And you guys are reaching in to check in with us every month or so. Or however often we need, is that right?

Unknown Speaker 20:45
We're family, I'm gonna say this again to you, okay, your family. It's a lifelong work, we're in the thick of it never stopped.

Unknown Speaker 20:54
That's good. There's

Unknown Speaker 20:54
always something new in the business saying, hey, you know, what was good four years ago, it might not necessarily be the same today. Right? So it's a carpet evolving thing. So like I said, we're in it for the long term. And once we you know, once we come our clients, were saying,

Unknown Speaker 21:11
I love that I love that Janiero, you have any input on that I know you, you dropped some great nuggets today with one of my clients. We connected today with on the phone. And I like what you were telling him. My client is an artist, and he has, you know, shows that he puts on and you said, how much more grander would your show be? Because at this point, he had been funding all these shows himself, and you said, Listen, you might look at the menu and say, well, we don't eat caviar, because it's coming out of your own pocket. But when you're funding it through your business line of credit, or you know, you might go ahead and throw the caviar on there. It's not what you said dinero.

Unknown Speaker 21:49
Exactly. If you if you understand anything, we don't have an iPhone or Apple. If Steve Jobs was funding it out of Steve Jobs pocket, you're much more conservative when the money that you have in the bank had to cover your mortgage, your car, no, your your your meal that day, you're a lot more conservative. But when you have access to a lot more money, you're allowed to be more creative. You're allowed to see your vision come to react to come to fruition. More times than not what I see is that we have small businesses that really think small. And I tell I had we had a client who said, Hey, I only need $30,000 We looked at I said no, you need about 200,000 He couldn't believe it. That was eight months ago. He's now $750,000. He's established himself, he has storefronts. He is thriving. He learned to think bigger, because he wasn't worried about he was allowed to focus on his craft, because his day to day living wasn't being affected.

Unknown Speaker 22:58
Yes. And how much more creative? Yeah, you

Unknown Speaker 23:01
can, if you're a creative person or viewer, a baker or even a barber, if you're a barber, you have one shot with four chairs. And you think if I could just get enough money to open up a second job, I would say no open up 10 shops, right? Open up 10 shops, address them correctly. If you whatever business that you're in, from height from tech, to bakeries, whatever it is, you're into think vague, because the money is in being being because that's what the banks want. The banks don't want to invest in a mom and pop because they tend to make emotional decision versus these business decisions. And an emotional decision is a decision that says hey, as your as your friend, I want to do this art show. And I want to do it really grand, but my personal budget says get some Subway sandwiches. If I had the wherewithal, right, I would have a ship, I'd have a carving station, I would invite a lot more people I'd have it at a Grand Place. Yes. This means that by having that money, he's going to make more money, he's going to attract more people, different level of clientele, everything is elevated. But oftentimes we do not because we think very small and we're afraid to jump out there. So our job is say, Hey, we're gonna hold your hand. Think big. Let's get the money for you so that you don't have to worry about your day to day living expenses. You can go ahead and focus on making this great. One of the reasons why in the music industry. They give artists the money up front. They give artists these these bonuses up front is designed to stop them from working and worrying about their day to day existence. So they can focus on their craft. That's the reason why they give them this advance. So if you think along those lines, what if I had access to a half A million dollars to do my plan. And I didn't have to worry about, oh my God, that's my light bill money. That's my rent money. That's my my child's tuition money. What if I had that. And so if we can give you that money, you can be so much more creative. And you and that's what banks understand, this person is going to be successful, because they have enough cash to do what they need to do. And they can create the cash flow behind that. And that's what we specialize in doing is creating that world for you. And then holding your hand as you navigate through how to make this scalable.

Unknown Speaker 25:35
Absolutely, you guys I just want to say thank you so much for coming on. And if you guys haven't figured it out, now, these are my go twos when it comes to credit, for personal and business and in my line of work, helping you my listeners get to that score that you need, so that I can sell you a home. These folks don't string you along, they get the results and they get them fast, because they understand that every day we wait could cost you 1000s. So thank you so much, Rob, thank you Janiero, we appreciate you. We'll definitely have you on again. And until next time, we hear from you guys. Thank you. You guys, if you want to reach out to them, you can reach them at some point I was gonna say 7024707477789. Again, their number at G six services is 470-747-7789. Okay, now, let's pivot real quick to real estate. I am your local realtor here in Las Vegas Valley. And I just want to give a shout out to a couple of our K u and v listeners. Okay, we've got a new listing over there at 6644 Lavender Lily, two bedroom, two bath, one car garage, and it's going to be sold for under 300,000. In the alley Yachty area that will go live within the next few days. By this weekend, you can get jump out there and see it, I'm sure. Okay, so there's that. And then I want to give a big shout out to our K u and v listener grant. Congratulations. He just close on his house yesterday. We were happy to give him keys. And you know, he's such a sweet man. He says Listen, I've been listening to you, you know, and you just inspired me to go ahead and do it and I didn't think it could really be done but here I am getting key so congratulations to him and his lovely wife. Congratulations, you guys on your new home. Just yesterday they closed all right. By the way guys, listings listings. I'm not bragging I'm gonna humbly say humbly say because it's not me. You know, I give honor to God. He put me in this position and I'm thankful for it. And even in this market, the Lord has allowed me to bless my sellers by breaking going above and beyond the neighborhood averages we have sold above and beyond the neighborhood average has just happened again with another set of my sellers. Okay, we sold that house for above and beyond neighborhood averages. In other words, we broke the records. And I really attribute a lot of that to this radio show to you guys listening. There's you know, the best way to get your home sold right now, obviously, you need to have as much marketing as you can, because there's not a whole lot of buyers out there. And I really am thankful for this platform because it does allow me to get these listings. A lot of traction, right 100,000 listeners per week, they hear it. Hey, I heard Monique, my radio station realtor, talk about a property that was in your budget, they're telling their friends or family and that's driving looks to your property. So if you're thinking about listing your property, my number is 70298437007029843700. And I'd love to assist you guys. Okay, so thank you for tuning into the welcome home with Monique show again today. May God bless your homes, your dreams, and your journey in real estate. Stay blessed. Stay informed and keep the faith alive. God bless y'all. Thank you for listening. Please remember all terms discussed are simply an estimate my license number is S 1788 46. My phone number if you'd like to contact me is 702-984-3700. You can also find me on YouTube and please join me tomorrow at my church Living Word Church on hassle. I'm part of the EXP Realty Group. Alright, tune in next week.

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