Betting on Yourself, Failing Forward and Starting a Business with Nicole Ashley



Daniel Rosen  0:00  

Hey, credit heroes. Today we’re gonna talk with credit repair millionaire, Nicole Ashley, who started a credit repair business from nothing. And she grew it to over a million dollars. And today she’s gonna share her secrets on exactly how she did this. And she’s gonna break down some of her top secret credit repair strategies, so you better stick around. So the big question is this, how can we take our passion for helping people with their credit and turn it into a successful business without taking loans without spending a fortune by bootstrapping it from nothing? So we can help the most people and still become highly profitable? That is the question, and this podcast will give you the answer. My name is Daniel Rosen, and welcome to Credit Repair Business Secrets. Okay, before I dive in, if you are new to my podcast, be sure to click to subscribe and turn on notifications so you don’t miss any of the secrets that we share each week here on the Credit Repair Business Secrets podcast. And this podcast is brought to you by credit hero score, the only credit monitoring that is directly integrated with Credit Repair Cloud. And if you want me to hold you by the hand, as you launch your very own credit repair business, go to Okay, let’s get into this. This is an exciting show today. Because our guest is our newest credit repair millionaire. She’s going to share her secrets with us. Please welcome to the podcast, credit repair millionaire Nicole. Ashley, welcome, Nicole.


Nicole Ashley  1:42  

Thank you for having me. Thanks for


Daniel Rosen  1:44  

being here. Look at you and your award. This is so exciting. Thank you. And look what you’re showing up here. Your little mini award that’s gonna go on the wall of our office.


Nicole Ashley  1:54  

Yes, I’m so excited for that.


Daniel Rosen  1:59  

How does it feel to be a credit repair millionaire?


Nicole Ashley  2:02  

It’s feels good. I mean, I’m still me, I still shop at Target. You know, but it’s it’s definitely it’s surreal. It feels very good. You know, because I remember when I first got into the industry, that seems so, so hard to get that was like, we look at celebrities, right? Like musicians and movie stars. And we’re like, wow, like this award is that to us? You know. So when you get one of your own, you’re like, wow, I can do that. I’m one of them. I’m going on the wall. And you just you’re just proud of yourself. I’m proud of myself. I’m proud of everyone else that’s up there. And you know, and I want to thank you and Kenan too for just having that for us. Just having that for for people like me to have something to run after and get. And so really thank you guys for having something like that. Really,


Daniel Rosen  2:56  

it’s our pleasure. And it makes it fun. It doesn’t get fun. It makes it like show busy because my background is show business. So I think of it like the Academy Awards of credit repair. But anyways, congratulations. That means you’ve worked your butt off, doesn’t it? Yes, I want to know everything. I want to know your whole story. Like your background, what got you into credit repair? Wyatt, why this even popped into your head? Can you tell me about your background?


Nicole Ashley  3:25  

Sure. So there were two significant times in my life that brought me into understanding that how important credit and finances are. The first incident was in, I would say 2015. Unfortunately, my children and I were involved in domestic violence situation. I was a single I was a stay at home mom at the time. So that forced me into being a single mum, not planned. But life happens. Yeah, so we had to start off completely over with nothing. I had to find a job, I had to get a car, I had to find a place to live, you need money, credit collateral for those things. I had none of that. So I’m learning now I need to fix my credit. I need money I need so now I’m learning about consumer law credit, finding a job getting back into the workforce, things like that. I’m also trying to balance being a single mother, and all of that at the same time. So I managed to scrape by for about two years. And now I would say we’re about in the holiday season of 2018. And the holidays can be pretty depressing for people right? They can. Um, so I’m working at an office job. And again, I’m I’m originally from Boston, so I’m working at my my office job and I’m kind of getting upset about the holidays and it’s tight. It’s a tight budget for me much hildren, things like that we don’t live in the best neighbourhood, I still do not have a vehicle. But what I did have was some small balanced credit cards because I had repaired my own credit, I learned how, what my rights were, as a consumer, I learned the importance of credit, things like that. So I was grateful that I had those opportunities to have a decent Christmas that year. But I didn’t again, I didn’t have a vehicle, and I didn’t live in the best neighbourhood. And I was sick and tired of being sick and tired. So while at my little office job, I went on Google, and what pops up the little smiling cloud, credit repair cloud, and I kid you not, I turned to my coworker, and I said, I know what I’m going to do. And he’s like, What, and if he sees this, I know he’s gonna remember, this is December 2018. I said, I’m going to start my own credit repair company. And I have not stopped since that day. So I knew the laws, I knew credit, I knew that if I could become my own solution to being sick and tired of being sick and tired. Like I could become other people’s solutions, people that were just like me, single parents, single mothers, I knew that I could also become an advocate for that. People that were not living in the best situations, there’s a way out, if I can do it, you can too. And I wanted more freedom, I was sick of of having to give my boss a request to go to the school to see my child’s concert, a Christmas concert. Or if they got sick, I would have to take the day off, lose out on money, just to go take care of them. And I just knew I wanted more. So I googled, start my own credit repair company. And like I said, credit repair cloud popped right up with the stickers and the t shirt, and everything. And I hit the ground running with it. And at my office job, there was the big industrial printers. And I would print everything, and I would sneak over and get all my papers and put them in my binder. And I just haven’t stopped since that day. So I’ve had I’ve had two more children since then. And I would have them and pick my laptop up and pick my laptop up the next day and just keep working. I don’t recommend that. I recommend taking care of your emotional and mental health. But I’m just so passionate about credit and how it can change your life and what it can do for us. And just being that solution. It literally changed my life, my children’s lives. And that’s my entire mission is just being that solution. So that’s exactly what I did. So I quit that job, my head my binders full of my papers, I registered my business, I didn’t had no idea it was going to turn out the way it did. No idea. But I just did it. I registered it. I just started getting clients, I was posting things on Facebook about how I fix my own credit, how I can help others and they started coming in for me just being authentic being myself. They knew my story. They knew what I had just went through prior. So they they literally saw me go from what I went through to getting better, you know, a better neighbourhood a better car and things like that. So that’s really how I got into it. Those two events.


Daniel Rosen  8:24  

That’s an amazing story. Yeah, we’re really taken by something you wrote on Facebook recently, you wrote, I started my company from nothing, literally a negative bank account, and a high 300 credit score. Not many people in my life at the time believed in me. I’ve always been the black sheep stubborn. And I bet on myself, I always will.


Nicole Ashley  8:47  

Yes. I love that. Yeah, thank you. Yeah, my credit score was like on life support. I would get it better. And then I would because I didn’t have money. I would max out the cards I did get. And I didn’t understand that you have to keep your utilisation low. I would depend on those cards still. So I would max them out and then my score would suffer again. So yeah, my credit score was bad. I didn’t when I did leave that domestic violence incident. Unfortunately, my family didn’t. Some of my family I’ll say, they didn’t agree with me leaving that situation. They felt like financial security was with that situation. And I was like, Nope, I’m gonna go this way, be stubborn. I’m going this way. I’m quitting my job with my binders full of laws and credit and credit repair cloud. Stubborn, I’m doing what I want to do and no, I didn’t have the support. They did not see my vision. They didn’t see my mission. But as I said, I bet on myself. I will always do that. And I think everybody should do that.


Daniel Rosen  9:55  

Absolutely. Amen to that.


Nicole Ashley  9:57  

Amen to that.


Daniel Rosen  9:58  

You have the job you started Doing the credit repair wasn’t like a side hustle at first. Oh, I put up computers quit cold turkey when I’m in business now. Yes, that must have been so scary. What was that? Like?


Nicole Ashley  10:14  

I didn’t, I don’t like to have a backup plan. I don’t like the plan B. I don’t like that. Because, for me at least, it gives you a cushion. It gives you a sense of comfort. I don’t like to be comfortable. When I’m uncomfortable. I do great things. It’s a growing opportunity for me. So I don’t I quit. I had too many kids that were depending on me. I quit. I had a few $100 My credit was in the in the high sixes at that time, because I did fix it. And yeah, I registered it and just I just went with it. And I knew I have to do this, or my what’s my what is my option? Really Daniel, what would have been my option to go back to work? They’re not going to pay me a living wage. I have to ask them to get days off to take care of my children. That would that was going to be my option. I either figure this out or go back to that. That was it for me. So I figured it out. Yeah.


Daniel Rosen  11:16  

I like that. No safety net. No safety. I always feel the same way. So how did you first Okay, so you started posting on social media? And that started to get you some clients? How did you get more clients? What were the first steps,


Nicole Ashley  11:33  

I would start to get more clients, a lot of them were word of mouth. So it would be people that I knew that were posting what I was doing all organic referrals. I was just so because I didn’t want to go back to what I was just went through because I knew I had kids depending on me because I knew what I wanted. I went out and just did the good old fashioned footwork, I would hand out business cards. I had a magnet that would stick up in little I would go to like the little barber shops, the hair salons, the liquor stores. And I would I would have little magnets. And I would ask the owner, Can I stick this here? Can I put this in your window, I would leave my cards in the dentist. My kids would go to school and I would put my business card in like the Valentine’s Day bag, the halloween bag. And that’s how I was getting clients. It was the mom and dad’s like me, I was getting my clients that were just like me. That’s who I was getting my clients. So people that were like me, that’s who I was targeting. And that’s how I would get them they would find me on Facebook. And that’s how I would get them. It was just the good old fashioned face to face type of work.


Daniel Rosen  12:45  

Wow. I love that old fashioned Guerilla Marketing.


Nicole Ashley  12:50  

That’s it.


Daniel Rosen  12:51  

It’s great old school. What were some of the greatest struggles you had when you were first starting.


Nicole Ashley  12:56  

I’m being really hard on myself. I’m definitely very hard on myself, I still am. And it’s a blessing and a curse. So I think it was very hard for him because I didn’t have a lot of money to start up either. So when I first started up, I didn’t have the best equipment, I didn’t really have any equipment. So I was doing a lot of things with an old, you know, raggedy computer. You know, I was just doing a lot of things by hand, I was doing a lot of unnecessary things that I didn’t necessarily need to do not getting help, when I could have gotten the help. And just being really, really critical on myself. Even when I did accomplish something, I still want to do better. Or I wanted to loop around and do it better when I should have just sat for a minute and been happy about that success. And then because baby steps are still steps forward, there’s a lot of us forget that we want the big thing we don’t, we don’t remember that baby steps are so forward movement. And a lot of us are afraid to fail. I was afraid to fail because you’re thinking again of the bigger picture. You’re not thinking that you have to fail forward. If you don’t fail, then you’re not even trying, you have to try to fail. So I think just being scared. Fear was in my way a lot. So I had to get out of my own way. Knock all that off and just fail forward. And that’s all I did fall on your face over and over and over again. That’s that’s all I did. That’s all I keep doing.


Daniel Rosen  14:28  

That’s amazing. But that’s actually how you grow a business. That’s the part people are so afraid of, but that’s what it takes.


Nicole Ashley  14:36  

Yeah, that’s how you grow a person to you have to just do it.


Daniel Rosen  14:40  

Yeah, you have to separate the fear and, and really all those mistakes. If you learn from them, then then they propel you forward.


Nicole Ashley  14:50  

Yep, it builds character. It sure does.


Daniel Rosen  14:55  

When How long were you doing everything alone in the business and when Did you start hiring


Nicole Ashley  15:01  

too long? So let’s see. I started it 2018, late 2000, early 2018, I really started it. I started really pick up clients that year, I started to finally hire in 2020. So I was doing it for the first few years by myself. And then I started to hire an assistant. And then I started to separate different departments for things because I started to grow very rapidly, consumers were hitting me up, but also, other credit repair owners were hitting me up. So I started to grow incredibly rapidly, and I had to start separating my help. And that’s exactly what I did. I would say, I would always say, hire slow, not like don’t take your time to hire somebody, like hire somebody as soon as you know what you’re doing. Hire help, but hire that person slow, like hire the right people. But fire quickly. Okay, reputation is on the line.


Daniel Rosen  16:06  

Sure. Sure. Wow, how big a team do you have now?


Nicole Ashley  16:10  

Right now I have 24. Wow. And there’s some more in training right now. I make them trained for six months before they can touch anything. So there’s some more training right now. There’ll be done by May 1 to start working.


Daniel Rosen  16:25  

Wow, that’s incredible. How many clients are you working with now?


Nicole Ashley  16:30  

active clients right now we have over 11,000? I don’t know the exact number, but it’s over 11,000. Today.


Daniel Rosen  16:39  

Wow. That’s monstrous. Yeah, I think that’s more than anyone I’ve interviewed on the show.


Nicole Ashley  16:45  

I’m grateful for every single one of them. They’re like family to me, I love to see them go to graduate. But I like hate to see them go because their family. Sure. Or even if they’re, even if they’re with a partner, like a like if they’re with a credit repair owner. You know, I still their reputation means a lot to us. And you know, I love to see them graduate because we’re helping their reputation. And it’s just I just love to see them graduate, but it’s still sad to see them go.


Daniel Rosen  17:15  

That’s awesome. Hey, let’s talk about you sort of touched on a little bit. Let’s talk about your outsourcing. Can you explain what that is and how it works?


Nicole Ashley  17:23  

Sure. So my outsourcing came to me from someone within the industry that I that I’m close with, she recommended to me one day, like, she wanted to do some other things within the industry. And she just didn’t have time to sit and do the, the letters and the updating and things like that. And she was like, you know, you know, can you take on these files and things like that for me. And I was like, of course, like, you know, I have no problem doing that. And it just, it just really blew up from there. Everyone else was like, please, because I’m, I’m someone that always has said, you can’t work on your business. If you’re working in your business, you have to go out and be the face of your business. Go to meetings, bring bring in your money, if you’re if you’re not working on your money making activities, let us do it. So my company will do that for you, we’ll be your entire back office for you. So you can go out and be the face of your company or take a day off, take a vacation, do whatever, we’ll do that. So we’ll we took on that for you. So my outsourcing company, we we are your complete back office for you. My staff is here with me in Orlando. And then I have some over in Houston because we have a big market in in Texas. So we have a big staff over there in Houston. And we have a staff here in Orlando. So I have a dispute team. They just do disputing and processing. And then I have a customer service team specifically and we just handle customer service. So if a credit repair owner wants to hire us to do one of those two things are both they have us to handle those things. So they can go out and they can be the face of their company and bring in bring in more clients or they can venture off to other streams of income within the industry because there’s many that they can do. And we’ll handle all that for them.


Daniel Rosen  19:11  

And then if they have a credit repair Cloud account, they add you as a team member, and then you log in and then they can see what’s going on, right?


Nicole Ashley  19:18  

Oh, absolutely. Yeah, they add us as a team member. And we’ll work directly on their credit repair Cloud account. So they can see in real time that we log in every day, what we’re doing everything that we do within there. And then we check it Monday through Friday. We don’t we don’t necessarily work on the weekends. But yes, they’ll add us as a user will log in. If they have however they have their statuses or things that are set up. We’ll make some custom statuses for them to indicate who wants to be processed, who’s graduating who’s ready, and we’ll handle all of that for them. We’ll leave them memos. Maybe if there’s a payment that didn’t go through, we’ll indicate that for them all You really have to do is onboard the client, and let us know what’s ready, and we handle everything else front to back.


Daniel Rosen  20:06  

Wow, that’s awesome. How many companies? How many credit repair companies are you currently working with?


Nicole Ashley  20:12  

Uh, right now we’re just under 600 individual companies.


Daniel Rosen  20:16  

Wow, that’s huge. So


Nicole Ashley  20:17  

blessed. I’m so yeah,


Daniel Rosen  20:20  

that is incredible. Congratulations. How many consumers? Are you processing disputes for on a monthly basis?


Nicole Ashley  20:29  

So I do have a few corporate contracts. So we do have a few of those. So I would say letters dispute wise, we’re around and postage is a huge bill. For us. It’s it’s a blessing. I would say we’re doing around 50,000 letters a month.


Daniel Rosen  20:47  

That is amazing. Okay, so Oh, but Okay, so you’re doing the outsourcing, you’re also outsourcing customer service, are you also setting up automations for people,


Nicole Ashley  21:01  

we do have some that we have. But credit repair cloud comes with its own great automations. But we do have some if people want to add on a few of their own other options, we do have some that come with ours, just so they know what we’re doing. Because we I understand that when you’re handing over your company, which is like your baby to somebody, it’s hard to trust that it’s hard to give that up. So we do add a couple of automations in just so they can keep up with their clients because it’s still their client. So they can keep up with their client with the flow with the statuses with where their client is at that way. They don’t feel like we’re a middleman that so that they feel that they’re still in control of their client. So there’s some automations that we do add in for the CRO that they can use for their client as well. So yeah, there are there are some automations that we do like to use for that as well.


Daniel Rosen  21:56  

That’s awesome. So that keeps them in the loop on what’s got it got it. I’m still mind boggled by how many clients you have i It’s definitely more than anyone we’ve ever had on the show. And because of that, I think it’d be really awesome. Could you give some credit disputing tips? Sure. Okay, great. I’ve got a bunch of questions for you. Now, I noticed on your site, your company tagline is the original Metro two outsourcing company. So we’ve never talked about Metro two here on the podcast. So this will be a first what, what exactly is Metro two? And how does it work?


Nicole Ashley  22:36  

And Metro two to to explain Metro two, we would have to be here, there’s not enough time in a day. Okay, what I like to water it down for people is I like to say that Metro two is the language that when you send off your dispute letter, it goes in, people like to think that your letter goes to a person. And the person opens the envelope and looks at the letter and is like, oh, I need to go get my manager, look at all these errors. And no, that’s not happening. It’s putting they’re putting it into a machine. That machine is in a language, it’s in codes, that is metro to so you need to you need to dispute your letters. And we still I’m not saying anything wrong is is wrong with factual or, you know, using the laws and things like that. But metro to is is basically the language that the credit repair, that credit repair the Bureau’s use to code and and speak in their letters and things like that and their disputes. So when you’re sending off a letter to the bureau, Metro two, is the language that the Bureau’s and the agencies use to read your letters.


Daniel Rosen  23:50  

So are you looking for errors in the code errors in the way that it’s reporting?


Nicole Ashley  23:57  

Well, when you send when anyone sends off a letter, it’s going to automatically be coded. And those codes are going to be read in Metro too. And there’s, you know, there’s points of compliance and in there’s five points of compliance, that Metro two will be coded in. And there’s five points, like I said, there’s five points of compliance that Metro two will need to be that will need to be followed. So that’s when the letter will go in, and it will be either coded by that or it will be spit back out and sent back. So everything is always going to be coded and sent back to either the agency, the original creditor, and right back to the consumer.


Daniel Rosen  24:37  

So is it that if they don’t hit those five points of compliance, that’s what you’re disputing? Of course,


Nicole Ashley  24:43  

yeah, we’re challenging those five points of compliance. We’re challenging that is this within the five points of compliance that the bureau set for themselves? Got it? If it’s not, then you need to take this off of the consumers. Port.


Daniel Rosen  25:00  

Got it? So you put that into the dispute letter? Oh,


Nicole Ashley  25:03  

absolutely. We tell it we challenge the rules that they put on themselves, based on the five points of compliance that Metro two says that they have to follow.


Daniel Rosen  25:13  

Awesome. Okay, how about, can you describe step by step how your credit repair FDCPA method works, and why you do that?


Nicole Ashley  25:25  

Sure. So we do that one, we offer that one, because sometimes just hitting the three main credit agencies is not enough. So sometimes you have to go to the original creditor sometimes need to talk to depending on what’s on the client’s files, sometimes you need to go to other sources. So if they have a bankruptcy, you need to maybe you need to speak to the court, maybe you need to look up neck LexisNexis. If you’re if you’re hitting the credit agencies for three, three rounds, maybe by round four, you should be going to the original creditor. So with that method, we’re going to all those places right away, right away, right out the gate. We’re everything that’s on that file, we’re hitting the original creditor, we’re hitting the third party agencies like LexisNexis, the original creditors, Sage stream for inquiries, things like that, we’re hitting it all. And we’re using the consumer laws to hit them all at the same time. And it’s coming all back at the same time. So it’s a little more expensive, but there’s a lot more locations that we’re hitting up, versus just the three main credit bureaus. We’re also hitting innovus, which is the fourth main credit bureau, we’re going to all locations that are on a consumers file, which can differ everybody’s file is different, like a fingerprint. So depending on what’s on that file, is we’re hitting all those locations. So that’s what that is,


Daniel Rosen  26:53  

you’re going way deeper than most people do. We’re not


Nicole Ashley  26:57  

going to waste any time, we’re going to just hit all those locations. And yeah, we’re gonna go right away.


Daniel Rosen  27:04  

Okay, what’s your strategy for removing collections?


Nicole Ashley  27:07  

Collections? I mean, they’re, I mean, they’re like any other account on there, you would go to, you know, the credit bureaus, and the original creditor who’s who’s reporting it to the because the, because the credit bureaus are just the messenger. It’s the original creditor, who’s the one that’s reporting the wrong account, the wrong numbers, the wrong balance the wrong last reporting date, or something like that. So I would hit the I would hit the creditor, and in the credit bureaus, so the bureau is just a messenger, we would we would attack them using metro to or consumer law, whichever one that either the consumer chose, or the partner chose. And we would, we would go to the Bureau, and we would go to the original creditor, so whichever is porting on the consumers file, again, go there,


Daniel Rosen  28:01  

how about removing late payments,


Nicole Ashley  28:04  

there’s many ways that you can report I mean, removal, a payment, so late payments for us. And it’s not the only way that works. But if there’s a lot of late payments, especially in the past 24 months, the best way to remove that maybe would be to just remove the whole account. But if there’s just a few here and there, my strategy has always been to remove the most recent first, try that one first, that would help to score the numerical score most likely the best since it was the most recent and then work your way back for the for the most recent and then work your way back for those. But like I said before, if they have a lot, then maybe just get rid of the whole account because you look irresponsible like you can’t pay your bills on time. But yeah, I would start with the most recent I would start with the Bureau’s it’s always starting with the Bureau’s and then the and then going to the the creditor that’s reporting the late payment. Sometimes you just need a goodwill letter and it does the trick. Especially being in the in a pandemic. We’re still in a pandemic. Sometimes that does the trick is is a good old goodwill letter. And sometimes you just need to switch up your verbiage. Just throw in some compliance of Metro to and hold it, hold it to them.


Daniel Rosen  29:19  

Awesome. How about wiping out inquiries? What’s a good trick for that?


Nicole Ashley  29:23  

A lot of people think inquiries mean, a lot. Unfortunately, if it’s not really in the past 18 to 24 months, it doesn’t really affect your file or numerical score too much. But inquiries, you can go to a lot of places you can go to Sage stream, you can just go again, just write to the Bureau’s themselves and just ask about permissible purpose and go right from there and a lot of the times it just does a trick. They don’t really want to deal with all the back and forth with that. And a lot of times they do just come off again a lot. We don’t really too much, we don’t really put too much effort on them. Some people really press us for inquiries because they’re trying to get home. And they happened all at once. But you have to also look at when they occurred, if they occurred in the in a two week span, they’re only going to count as one. And it’s not going to get in your way of an approval and approval process. So it really again, depends on who’s looking to get the inquiry removed and why, but you can just go to Sage stream, a lot of times it sage stream, and just go to the credit bureaus. That’s really sometimes you have more training on TransUnion than you have with Equifax and clear those up LexisNexis holds Oh, I’m talking about bankruptcies I’m sorry. Like, I would just go to Sage stream,


Daniel Rosen  30:46  

and you send sage stream the dispute letter the same like you would the credit bureau. Oh, absolutely. Interesting. Interesting. Okay. You mentioned bankruptcies, what’s your strategy for deleting a bankruptcy?


Nicole Ashley  31:01  

So bankruptcies? I’ve had both both. A lot of luck doing both with sending a letter to the court. And the court will, you know, everyone knows the courts gonna send you that letter back saying that they they don’t have them and they don’t have the information on everybody’s report. It’s gonna say bankruptcy us bankruptcy court. But I’ve also just had a lot of luck just going straight to the source. And it comes right off. A lot of people will say you freeze your accounts. I don’t necessarily say freezing. I think that’s an extra step. And I think at the end of the process, it gets in the way. Now you have to unfreeze. So a lot of people will say both a lot of people have luck with both. That’s okay. I think with us, especially, we just go right to the source just like any other account, if it’s in a collection, if it’s a charge off anything like that, just go right to the source. Challenge the bankruptcy challenge the validity of the bankruptcy. A lot of the times if you get rid of the bankruptcy first, the accounts attached to the bankruptcy will fall off as well, because what bankruptcy are they attached to? Right? Bankruptcy isn’t there. So a lot of times people will put the bankruptcy and then everything attached to the bankruptcy, get the bankruptcy first by itself. Just go right to the Bureau’s with it. You can try to go to the court if you want. If not, you know, I’ve seen it both. I’ve seen I’ve gotten results by going to the court and I’ve seen results by just going right to the bureaus. Wipe the bankruptcy out and then attack the accounts that are attached to it, they’ll fall off because like I said, there’s no there’s no bankruptcy attached. So how are you reporting those? If there’s no bankruptcy being reported?


Daniel Rosen  32:48  

Exactly. I love that. Do you ever work with FCRA attorneys?


Nicole Ashley  32:52  

I’m not really I used to before. Um, but we I still am in like a training with one there’s there’s one that I have worked with directly for a long time, I started to kind of branch out with a few more. And I didn’t really like what they were doing. I didn’t like what they were kind of they were kind of giving a false image. False hope. And I didn’t like the way that what they were portraying. But there is one that I work with directly a lot. I’ve worked with him for many years. He’s very good. So we do work directly with Him. If we do need him to step in, and give us some of his letters and assistance and have him look over a file. We will get a power of attorney and permission from the partner or the client and things like that, and we will work directly with him. If he’s not in that jurisdiction, he will recommend one to us and go from there.


Daniel Rosen  33:51  

Awesome. Okay, I want to know, what would you do differently? If you started your credit repair business from scratch today?


Nicole Ashley  34:00  

Today I wouldn’t wait so long to to hire help to hire staff. I would delegate My Tasks sooner. So like I said before, soon as you know what you’re doing. Because a lot of people hire help before they know what they’re doing. Right? And then they have all these questions for the help that they hired. On top of not being able to trust the help that they hired. And you’re not letting your help do the work that you hired them to do. So I would as soon as you know what you’re doing as soon as you feel comfortable in what you’re doing. Hire help. So I would not wait as long to hire help. I would definitely outsource anything. Anything that you can outsource. I would outsource you know Amazon outsources there. We the CEO of Amazon is not delivering the packages. He have sources. So I would outsource your your help anything that you can outsource I would, I would definitely do that. So if I had to start it today, I would have my systems in place. And I would hire help.


Daniel Rosen  35:13  

Good advice. Got any other advice for someone just starting out with a credit repair business,


Nicole Ashley  35:18  

definitely. So the same, the same patience that you ask your clients to have. Give that to yourself. Give yourself grace, give yourself patience. And let go of that fear that you’re going to fail, you are going to fail a lot. And welcome falling on your face. welcome that because it will build character, it will give you a growing opportunity. And it’s only going to push you forward. So I would let go of that do not give up. I can’t tell you how many times I’ve wanted to give up. I’ve like you read on my on my the quote that I put on my Facebook that I had said like I didn’t have many supporters at all, I found supporters along my way within this industry. So my own family, you know, things like that the people that you think are going to support you. They’re not your friends won’t support you, you’ll turn a client into a friend before you’ll turn a friend into a client. So you have to let go of all those what ifs in the fears. And if you feel like it’s alone, you’re alone. It’s okay. That means you’re just on the right, you’re on the right path. So do not give up. Please do not give up.


Daniel Rosen  36:40  

That’s really good advice. Now we’re gonna switch things up. We’re gonna go and do a rapid fire round of questions where you answer the first thing that pops into your head. Okay. Okay. Okay, what’s the most important lesson you’ve learned as a business owner?


Nicole Ashley  36:59  

The most important lesson I’ve learned as a business owner is do not neglect your mental and emotional health.


Daniel Rosen  37:07  

What’s your biggest superpower in business?


Nicole Ashley  37:11  

Um, balance balancing multitasking?


Daniel Rosen  37:15  

Awesome. What does business ownership mean to you, your freedom? What drives and motivates you? Freedom, and what’s your definition of success?


Nicole Ashley  37:29  

Um, my independence, my freedom, I it’s going to always go back to freedom. It’s, it’s financial freedom, but it’s also the freedom to do whatever it is that you need to do. So financial freedom, but you also are free just as a person to make the decisions that you see fit for yourself, for your business for your life. So it’s always going to be freedom and that independence for sure. And you can, you can be the solution for other people. So like how I told you before, I’m the solution for my own life, as a business owner as an outsourcer. I’m a I’m a solution to other credit repair owners. But I’m also a solution to consumers as well. So I’m just that solution for people.


Daniel Rosen  38:16  

Awesome. I love that. You’re so inspiring. Hey, I really appreciate you being here today. Nicole, thank you so much.


Nicole Ashley  38:23  

Thank you for having me. And thank you for having you know, like I said for an award an award for people like us. And it gives us something to go after it gives us something to have. And yeah, it’s beautiful. I really appreciate that. Thank you too.


Daniel Rosen  38:38  

You’re very welcome. My pleasure. How can people learn more about your outsourcing services? Um,


Nicole Ashley  38:44  

I mean, they can find me on Facebook. I’m always, sometimes I’m controversial on Facebook, but um, is there a website? What’s the website? My website is diamond


Daniel Rosen  38:57  



Nicole Ashley  39:00  

Yep, they can find me on there, or they can find me right on Facebook.


Daniel Rosen  39:03  

Awesome. Well, thank you again, so much for your time today, Nicole, I really appreciate you congratulations again on the millionaire’s club and all your success and for being here. And and for everyone out there. If you’re enjoying this podcast, please click below to subscribe so you don’t miss any of the secrets that we share each week here on the credit repair business secrets podcast. And if you’re feeling kind do me a favour and write a review. Give me a thumbs up. Help us to move up the charts and leave a comment or ask a question because I read each and every one of them. And I will see you on the next episode. And until then, be a credit hero and keep changing lives. 


Hey everybody, it’s Daniel again. And really quick. I’d like to invite you to join what I believe is the best thing we have ever created inside the Credit Repair Cloud Community. And it is a challenge that we call the Credit To Hero challenge, if you’re just planning out your business, or you’re just getting it started, and you dream of having a successful business of your own, so you can quit your nine to five and fire your boss and have financial freedom, or so you can add another revenue stream to your existing business. If that’s your dream, you need to get into this challenge. We created this challenge to help you to create and launch your very own credit repair business to build a proper foundation for a really successful business. This challenge is going to help you to understand the strategy, the tactics, and all the things you need to be successful at credit repair. It really is the greatest thing we have ever built, and it will change your life. So I recommend you do it right now. Stop everything pause this audio, go online and go to That’s and join the next challenge. And there’s a challenge that starting in just a few days. So go get started right now at