0:00Hi and welcome to Broker Tools, where we unpack the tools, systems, and strategies that help brokers optimize the way they work. I'm Katie, your host,0:077 secondsand today we are catching up with Victoria from Credit Fix Solutions. For those of you who don't know what Credit0:1414 secondsFix Solutions is, it's the place you go if your client has had bad credit and needs a solution to fix it. Um, if you0:2222 secondshave been looking to partner with someone who can help you repair your client's credit score, Credit Fit Solutions might be the partner for you.0:3030 secondsVictoria, welcome to the pod. It's so great to have you here. So great to be here. Thanks, Casey.0:3737 secondsYou are most welcome. One of my favorite ways to start is almost like going back in time because most people don't start0:4545 secondsin offering this as a service. There has been an entrepreneurial journey. there has been something that came across your0:5151 secondspathway that led you into beginning uh this actual lifestyle. What happened for you?
Chapter 2: Victoria's background and why she started the business
1:001 minuteI don't think we have time. If you have time for maybe four podcasts, we could probably get get through it all. But let's just say that I've learned to be a1:081 minute, 8 secondsbit of a chameleon in life just because of a bunch of curve balls that have been thrown my way since childhood. And there1:161 minute, 16 secondshave been many. Um, it's made me very resilient and very strong and at my core1:231 minute, 23 secondsmy value is is I want to help others and how do I leave the planet a better place than what I I found it. Um, and hence1:331 minute, 33 secondswhy I got into the credit repair world and started credit solutions 12 years ago. Um, because there was no space that1:421 minute, 42 secondswas safe for consumers or brokers to go to when it came to credit reporting. And so I said to myself crazily, of course,1:491 minute, 49 secondsI'll do the work and then I'll get paid for it, right? So it was the very first no in no fee credit repair firm. And it's just it's built out organically.2:002 minutesI've built it through building relationships with finance brokers. It's never been about money. You know, 80% of my week is just being legal aid and2:082 minutes, 8 secondsgiving out free education. Um I built my law firm, so Credit Fix Lawyers back in 2019 as well. So we do have our partner2:172 minutes, 17 secondslaw firm but I think it's that inbuilt in me that fight for others because of what I've been through that's led me to this point.
Chapter 3: Data security: how client information is protected
2:252 minutes, 25 secondsNice. And I guess um you know everybody does go through that part where I noticed something that wasn't great for2:332 minutes, 33 secondsme. So I'm now going to implement this other amazing solution for others in the process. When it comes to, I guess,2:422 minutes, 42 secondscredit repair as a process, there's a lot of highly sensitive personal data and financial information being shared.2:512 minutes, 51 secondsHow do you take someone through that journey? Because obviously, we want to protect the data, but they want to be able to trust you with that information as well.3:013 minutes, 1 secondYeah, it's a great point. And of course, you know, as a business owner, you need to do your compliance and your um basic,3:073 minutes, 7 secondsyou know, um anti sort of cyber attack courses, which I've put all of my staff through. Um when we're thinking of3:163 minutes, 16 secondsretaining information, um not that we collect any financials. So, we're not uh you know, offering finance. So we're not3:233 minutes, 23 secondscollecting pay slips um or other you know tax returns and things like that but we are collecting the credit report3:303 minutes, 30 secondsand personal information. So two factor authentication obviously over absolutely everything in in the business. Um3:383 minutes, 38 secondseverybody completing the cyber course doing you know friendly reminders to teams making sure you know laptops are updated3:463 minutes, 46 secondsum you know that we've got really good IT protection. So I've got my IT team that I have to pay for. there's so much you have to pay for to make sure that3:533 minutes, 53 secondsyou're protecting people's information but then deleting it out of systems as well. So ensuring you know at the sevenyear mark that absolutely4:004 minuteseverything's deleted but even when we finish work for a client although we've got two factor for our CRM and it's all4:074 minutes, 7 secondsthey say it's secure right but you don't know if you're ever going to be a victim of an attack or their systems will get attacked so we even in our CRM once we4:164 minutes, 16 secondsfinish work which is about a six week process we actually go in and delete all of their personal ID info so driver's license and date of birth etc. Okay,4:244 minutes, 24 secondsnice. And so ultimately with your processes, is it mostly stored on the cloud and not even in your own laptops?4:344 minutes, 34 secondsBecause that's I guess correct. Correct.4:374 minutes, 37 secondsCorrect. So nothing is ever stored locally. It's all securely in the cloud and it's all password protected. But it's probably just the credit report4:454 minutes, 45 secondsthat we get, but we still password protect them anyway.4:484 minutes, 48 secondsYeah. And I guess you know at the end of the day it is a process of making sure that data is secure throughout it. Um
Chapter 4: How Credit Fix Solutions uses (and doesn't use) AI
4:564 minutes, 56 secondsand at this moment in time how do you use AI because that is obviously a big concern with people and I'm not sure how5:045 minutes, 4 secondsmuch AI is involved in the process for you. Yeah. I mean, when we're speaking to people who've gone through a life5:115 minutes, 11 secondsevent or, you know, maybe um, you know, loss of business, loss of loved one, etc., severe illness, and they've got5:205 minutes, 20 secondssomething that's on their credit report that they're okay now, but it's impacted them emotionally, mentally, financially.5:275 minutes, 27 secondsI can't AI any of that because say you call me and you need help with your credit report, you want to speak to a person. And the amount of times there's5:355 minutes, 35 secondsthree of us in the assessments team. The the amount of times that people say to me, "Oh, it's just so great just to be able to call someone and have a chat."5:445 minutes, 44 secondsSo for us at Credit Fix Solutions, AI isn't a tool that we use throughout the onboarding process, throughout the5:515 minutes, 51 secondsassessment process, through the client experience. It's all here's our phone numbers, right? Because we want them to6:006 minutesbe trusting us. they're trusting us with a really important job. You know, if we're not successful, potentially they can't buy their home for another five6:096 minutes, 9 secondsyears. So, it's like, oh, okay, no responsibility, no stress. Um, but that's all very human. I don't see AI6:166 minutes, 16 secondstaking over any of that. where I have used AI, which I'm sure a lot of other business owners have, is for mapping out6:236 minutes, 23 secondswhat my marketing looks like for three months or, you know, building or or getting chat GPT to understand me as6:326 minutes, 32 secondsVictoria Costa, as the CEO of Credit Fix Solutions, what my values are, going in and learning me, so all the things I've6:396 minutes, 39 secondsput online and articles I've written, and then helping me with an idea to, you know, sort of just map it out. um or6:476 minutes, 47 secondswith mapping out, for example, what my next trip looks like, you know, so we just bought a caravan and we're going6:546 minutes, 54 secondsaround the country and we're visiting finance brokers. I don't want to spend two days researching caravan parks and all the rest of it. So, for myself as a7:037 minutes, 3 secondsbusiness owner, it's not for the client journey, but it's definitely there as a planning tool, which has saved me7:107 minutes, 10 secondshundreds of hours today. It's been fantastic.7:137 minutes, 13 secondsOh, nice. Actually, you say caravanning and now I'm like, "Oh." Um cuz I do love like um a van life type thing.7:227 minutes, 22 secondsIt is so much fun. Yeah.7:257 minutes, 25 secondsYeah. It's It's great. Like we stuck, you know, there's like a little um I got chat GPT to create a little image of me and hubby because he works in the7:337 minutes, 33 secondsbusiness with me. We've stuck that on the caravan. We've loed it. We've got the website on the back and QR codes.7:397 minutes, 39 secondsAnd when the guy came out to um put the you know the stickers on, he was like, "I've never done this before and I've been doing this for years." He's like,7:477 minutes, 47 seconds"This is a great idea." So I think we're the only logoed caravan in the country.7:527 minutes, 52 secondsSo if you ever see us, you know, driving down the road, give us a beat.7:587 minutes, 58 secondsYeah. Oh, you should say honk if you want to protect your credit or something like that.8:058 minutes, 5 secondsI should.
Chapter 5: The most common credit mistakes brokers need to know
8:078 minutes, 7 secondsThat would be hilarious. Um, but getting back on track to I guess real issues around credit. Um, what are I guess some8:168 minutes, 16 secondsof the most common mistakes you see people go through and I guess that whole process of making it8:238 minutes, 23 secondsone obviously you don't want to get there in the first place but if you are there how do you fix it?8:298 minutes, 29 secondsSo I think I just said before at the start that about 80% of the time I'm legal aid. So a lot of times you can't8:368 minutes, 36 secondsfix it. So to to protect your credit report and score, it's really important to get yourself educated because of the8:458 minutes, 45 secondsdata sets that commonly come across our table that we just can't fix. It's all governed under legislation, namely the privacy act, credit reporting code, and8:548 minutes, 54 secondsthe most common things we see that we can't fix that if people just learn. So I'm really happy if people are listening to this today because they can proactively protect their credit report moving forward is missing a repayment.
Chapter 6: Missed repayments: two years on your report
9:069 minutes, 6 secondsthe amount of times I get a credit report and it's just they've missed their monthly payment. It's happened to professionals in my industry, they9:149 minutes, 14 secondsthey've missed a payment that sits on your credit report for two years and drops your score right down to the point where potentially you can't get financed9:229 minutes, 22 secondsfor that two years and it's simply because you missed a bill or the email went to junk. Um, so making sure that9:309 minutes, 30 secondsyou're keeping on top of all your repayments, your loans, how are you receiving your statements, you know, have you just moved address? You know, the amount of times I see people with a9:389 minutes, 38 secondssmall, you know, electricity default or an energy default simply because they moved and didn't tell the energy provider, well, I can't remove that
Chapter 7: Too many inquiries: five years and can't be fixed
9:469 minutes, 46 secondseither. And a default is five years. And the other common problem that I'm seeing which people need to be educated on are9:549 minutes, 54 secondsthe amount of inquiries that they're doing. So Equifax and Experian, the credit reporting agencies, they have algorithms set in the back. I'm sure you10:0310 minutes, 3 secondscan probably explain that better than I can being the SEO guru, but from my knowledge, these algorithms are set by people to give us a guide of what's10:1210 minutes, 12 secondsreasonable and what's not from consumers. And their guide is, you know, they expect us to do maybe three or four inquiries over 12 months and no more.10:2110 minutes, 21 secondsSo, a lot of people are going in and not realizing the impact they're having if they're shopping around online, you know, and and very often we have, and10:2910 minutes, 29 secondsthis is for the younger generation, too, that it's so easy to get on your phone and they think they're doing the right thing because they're shopping around10:3710 minutes, 37 secondsfor the right personal loan interest rate. But every time they've done that, an inquiries hit on their credit report10:4410 minutes, 44 secondsand it drops the score because the algorithms in the back go, "Hm, that's not normal behavior. Why has Victoria applied for a personal loan six times in10:5310 minutes, 53 secondsa day? Victoria must be high risk. Um, and that inquiry pattern sits there for five years. So, we're having to tell11:0111 minutes, 1 secondpeople every day of the week. Um, which I won't get into that now, but that's why I created a a school program, right?11:0811 minutes, 8 secondsBecause I feel like a parrot. I'm endlessly saying the same thing. And if we just taught this in schools, it wouldn't need to happen. But I am working on that in in on the side as my11:1711 minutes, 17 secondspassion project, right? because everyone says to me when I say, "I can't fix it.11:2111 minutes, 21 secondsUm, you've just missed a repayment or you've got too many inquiries over a short period of time." Their response is11:2811 minutes, 28 secondsalways, "Well, I didn't know that." Right? So, those are all the the common things.
Chapter 8: What Credit Fix Solutions CAN fix
11:3411 minutes, 34 secondsThe ones that we do on board that we can fix, for example, um you know, you've had a dispute with a supplier, you've had a life event, you've got a default11:4211 minutes, 42 secondsor a court action on your credit report, they're listed for 5 years. Those are the ones usually we're taking on because we know given the level of experience11:5111 minutes, 51 secondsI've run thousands of cases over the last, you know, many many years in industry. We know that we can remove11:5811 minutes, 58 secondsthose in most likely um fees are payable once we remove it. But that makes a massive difference for people because say they have a default on their report12:0712 minutes, 7 secondsthat's listed a year ago, they still have four years where they can't get any traditional lending. So there's no personal loans, no credit cards. you12:1512 minutes, 15 secondsprobably can't go to a major bank for a home loan. What does that mean? Well, it means if you buy a property, you've got really high interest rates and possibly12:2212 minutes, 22 secondsyou can't service for them anyway. So, removing something like that is what we usually take on and we do have success with with and it does make um a huge difference with lending options.
Chapter 9: Soft hits vs hard hits and front-end broker widgets
12:3412 minutes, 34 secondsYeah. And what I realize is that um as as a broker um if you do have what we call front-end widgets, so things that12:4212 minutes, 42 secondspeople are putting going through on your website to do um the way to limit the hits is to do a soft hit rather than a a12:5112 minutes, 51 secondshard hit um on that because that can make all the difference in the um amount of inquiries cuz some people are filling12:5912 minutes, 59 secondsin the widgets not realizing that they actually send it all the way through to a heart hit versus a soft hit.13:0613 minutes, 6 secondsExactly right. And if government would just change the legislation so that credit providers could do a soft inquiry, we would solve all of these13:1513 minutes, 15 secondsproblems, you know, but of course, you know, you you need government to pick up these projects and action them. Um there was a credit reporting framework reform13:2413 minutes, 24 secondsin 2024. Um and a bunch of recommendations were laid out by the independent um con consultant Heidi, but of course nothing's been picked up yet.13:3413 minutes, 34 secondsUm so we could protect consumers from those hard-hit inquiries, but it's up to government to change the system.13:4213 minutes, 42 secondsSorry, we can't help right now in that process, but um solution.
Chapter 10: What brokers can do to help clients right now
13:5013 minutes, 50 secondsI know. And I guess more so with asset finance, it's a little bit easier to do a soft hit than it is, but I'm not quite13:5813 minutes, 58 secondssure how to do that with, I guess, a mortgage or commercial um side of things at this moment in time. But again, at14:0514 minutes, 5 secondsthe end of the day, what we're trying to do here is look at that whole process.14:1014 minutes, 10 secondsWhen a credit is bad, what solutions are available, what could a broker uh actually do to help their client if they14:1814 minutes, 18 secondsare in a situation like that? Yeah, we have a guide on credit reporting. So, if anybody listening wants to grab a copy
Chapter 11: The free credit reporting guide
14:2514 minutes, 25 secondsof that, it's completely free. It's a three pager on how to get, how to read, and how to fix or improve your credit report. So, a lot of our brokers who refer to us, they use that as a guide.14:3614 minutes, 36 secondsUm, if you grab a copy, you can just pull it apart and use it as you want for education because that's important as well for clients. Um secondly, a broker14:4314 minutes, 43 secondscan let their client know, look, if you don't agree with the data sets that are on your credit report, you can reach out to those lenders that have listed those14:5214 minutes, 52 secondsdata sets. So consumers are able to yeah to raise a request to a lender to question whatever it is on there that15:0015 minutesthey don't think is right. Um the other thing that brokers can do for their clients is to steer their clients towards the actual credit reporting15:0715 minutes, 7 secondsagency. So Equifax and Experian both run their own corrections sort of work. It's15:1415 minutes, 14 secondsnot it's not great, but it's a basic service. So they will just ask, you know, say if you've got a default and15:2115 minutes, 21 secondsyou don't agree with it, you can't get hold of the credit provider. Okay? So you lodge your correction request up to Equifax. Mind you, that doesn't remove15:3015 minutes, 30 secondsit from everywhere else. So you have to do that across, you know, Experian and Equifax. But all the the corrections team asks for are the default warning15:3715 minutes, 37 secondsnotices. So if you've had a dispute, if you've had hardship, if there are other circumstances, Equifax aren't going to help you with that. So the third thing15:4615 minutes, 46 secondsthat brokers can do is if they want to, they can, for example, flick us the credit report with their client's details. We will run through the credit15:5415 minutes, 54 secondsreport with their client. What we find that helps brokers with is time. And that's the one thing that none of us get back, right, is time. Um, so sending us16:0416 minutes, 4 secondsa credit report will give the broker and the client a yes or a no within two business hours. And at least then the broker knows under their best interest16:1116 minutes, 11 secondsduty if they're writing consumer that they have at least try to offer something so they don't have to give those clients really expensive lending options.
Chapter 12: Buy now, pay later: the hidden credit score risk
16:2116 minutes, 21 secondsNice. Nice. Um, and I I think the other part that I've noticed along the journey16:2816 minutes, 28 secondsis with those solutions, I guess, um, buy now pay later is probably another consideration that most people have to go through.16:3916 minutes, 39 secondsWhat would you recommend in that type of situation?16:4316 minutes, 43 secondsYou're bringing all my I'm going to start complaining sort of questions. You know, I hit like the little trigger buttons16:5216 minutes, 52 secondslike girl, buy now pay later. Look, buy now pay later is great. And you know, society in general have pivoted towards buy now pay later because it makes most17:0017 minutess more sense for families instead of getting credit cards or personal loans.17:0517 minutes, 5 secondsYou know, say for example, mom and dad, they need to get braces for kids. That's never a cheap exercise. And then the dentist offers them four repayment17:1317 minutes, 13 secondsoptions. Well, that's your buy now pay later. And it makes sense for families to spread that cost out, you know, especially when you've got everything17:2117 minutes, 21 secondselse to pay. How are you going to afford 10 grand in one hit just for braces? So, from from their perspective, I believe17:2817 minutes, 28 secondsit's a great product. Um, and for families and people out there needing, you know, to pay something over for payments, well, that's great and it17:3717 minutes, 37 secondsmakes it manageable, but because it hasn't been regulated, I believe it's being regulated now, but because it hasn't been regulated, um, so they don't17:4417 minutes, 44 secondshave to check if you can afford the facilities, um, how many other facilities that you have, you know, consumers can go and really dig17:5217 minutes, 52 secondsthemselves into a big hole, right, with with several buy now pay later loans.17:5717 minutes, 57 secondsthey're paying off things left, right, and center. So really, even though they might be earning $700 that week, 300's already gone because of all of the18:0518 minutes, 5 secondsexisting buy now pay later accounts they've got. So if we can get to the point where it's it's more regulated um18:1218 minutes, 12 secondsand it stops consumers from overspending, then it's a good thing from a credit report perspective. The frustrating thing is, and again this18:2018 minutes, 20 secondscomes back to, and I'll just call them nerds, and I'm a nerd. I love nerds. So, it's not derogatory, but because those nerds at Equifax set18:2818 minutes, 28 secondsup the algorithms to say that buy now pay later inquiries are lowgrade or high-risk lending. Just one inquiry, one18:3818 minutes, 38 secondsbuy now later purchase that puts an inquiry on the credit report and you lose 100 points. Now, for reference,18:4518 minutes, 45 secondswith your Equifax score, you have 1,200 points. If you do a mortgage home loan application with a bank, you probably18:5318 minutes, 53 secondswon't lose anything and once you start paying it, you'll actually gain points with repayment history information. But I've seen reports where they've done absolutely nothing wrong other than19:0119 minutes, 1 secondthey've done two buy now pay later purchases across two months and their scores dropped from good, so around 70019:0819 minutes, 8 secondsdown to 400 or 500 and then they can't get any lending option. That's insane. Insane.19:1419 minutes, 14 secondsYeah. Sorry, we can't fix that. But um I guess sorry I know see you're just like just throwing stuff at me. Sorry we can't fix19:2119 minutes, 21 secondsit. But look if if if you're listening out there today just try and limit your inquiries. Um try and save up and buy.19:3119 minutes, 31 secondsYou know I know that's really old school but I am kind of old. So um saving up and buying and it also looks much better on your bank statements. You know the19:3819 minutes, 38 secondsteams at banks and other lenders they don't want to see buy now pay later purchases and Uber Eatats purchases.19:4519 minutes, 45 secondskeep your statements clean and start start that process you know 12 months out before you want to buy a property or19:5219 minutes, 52 secondsbuy a car whatever you're trying to do with your wealth creation journey right so the fix is to understand and not do it20:0120 minutes, 1 secondif you if you can and again I'm not calling buy now pay later bad because I think it is a good resource for families
Chapter 13: First home buyers and financial literacy
20:0920 minutes, 9 secondsum but with the systems we've got it just doesn't look good yes and I guess these are the considerations ations to have. And if um20:1620 minutes, 16 secondsI guess people are doing first, for example, a first home buyers journey and especially with people coming out of high school, you'd want to which I know20:2520 minutes, 25 secondsthat you're really passionate about is educate the process and and I know that you're going out to schools and teaching20:3220 minutes, 32 secondsit. Um but do you also offer like digital online education as well? Yeah.
Chapter 14: The Teachable course and school program
20:3720 minutes, 37 secondsSo, we've developed a um course for brokers um on Teachable that's available which is modules where brokers can go in20:4520 minutes, 45 secondsand they can learn all things credit reporting if they like. We're in the process now of creating that for consumers on Teachable. That should be ready I would say by April 2026.20:5820 minutes, 58 secondsUm so that we will share that's going to be free um for all consumers to go in and and learn. um it doesn't give you21:0621 minutes, 6 secondseverything, but it will give you the basics, right? So, if we it's like the school program that we're running for year 10 students, there's just one or two takeaways that we have in the you21:1521 minutes, 15 secondsknow, there's lots of topics we cover, but in the credit reporting um session, you know, we just we we show them a redacted 18-year-old credit report where21:2321 minutes, 23 secondsshe's shopped around online and done those five inquiries in one day and dragged her score down to 340 odd. Um, so we share that and and a lot of the21:3221 minutes, 32 secondsfeedback from the students was, um, I'm not going to go online and buy things.21:3721 minutes, 37 secondsI'm going to look after my credit report. You know, I understand how important my credit score is now, you know. So, and we were only giving them a21:4521 minutes, 45 secondscouple of just one or two things to take away on on that particular subject. Um, but yeah, no, so we have the Teachable21:5221 minutes, 52 secondscourse coming out. We've got that guide on credit reporting. If you do an inquiry through our website, it just automated obviously just goes out as an22:0022 minutesemail um to the consumer wanting to learn more.22:0522 minutes, 5 secondsNice. Um and I think if you do want to reach out to Victoria and partner with her and have some of that, I'm sure you would be able to help a broker out.22:1622 minutes, 16 secondsOf course. No, we'd love to.
Chapter 15: Victoria's top recommendation for every broker
22:1722 minutes, 17 secondsNo. Awesome. And I guess is there anything else that you would recommend for brokers uh on this journey of22:2422 minutes, 24 secondshelping their clients have I guess good good credit keeping?22:2922 minutes, 29 secondsYeah, I always believe and even if a broker has a client who they have beers with, have a coffee with, they think they know really well to always check22:3822 minutes, 38 secondsthe credit report as as a first thing as a it's not a it's not even a want anymore. It's a it's a must. It's a a22:4522 minutes, 45 secondstool that a broker can use to analyze and quickly get to lending options. So, getting that credit report, I know it's22:5322 minutes, 53 seconds10 bucks, you know, and if a broker ever says to me, "Yeah, but it's $10, you know, and I trust Joe Blogs and he's been to me before." I say, "Well, is 1023:0223 minutes, 2 secondshours of your time over four weeks getting a loan packaged up worth $10?" You know, so so get that $10, $20 cost out of your head as a broker. See it as23:1023 minutes, 10 secondsbest interest duty. get the credit report through your aggregator platform, however you can get that, and go through it with your client and make sure23:1823 minutes, 18 secondsthey're understanding the data sets on there.23:2023 minutes, 20 secondsYeah. Because um I guess if they're looking for the future of the growth of the particular client, then this is where maintaining that credit score can23:2923 minutes, 29 secondsreally help with the next investment property or other investments that they choose to use lending products for.23:3523 minutes, 35 secondsYeah, you've really hit the nail on the head because I find a lot of brokers and all of us really, we're quite transactional, right? So, it's all about23:4323 minutes, 43 secondsokay, what's happening now? But by sharing some tips and some education with your client, you're exactly right.23:4923 minutes, 49 secondsThat's what we say to all of our brokers is think about a year's time, think about two years time, you know, the old saying, give a man a fish or teach him23:5723 minutes, 57 secondsto fish, right? Teach your clients to fish. Don't just give them the fish. Um and you do you create um better clients24:0524 minutes, 5 secondsfor better lending options and they'll appreciate that because I can tell you now there's a lot of brokers who are not doing that.24:1024 minutes, 10 secondsYeah. And um obviously here at Broker Tools we're always all about how to optimize the way you work. We love a bit24:1724 minutes, 17 secondsof revenue ops. So you know however you can crossell upsell um in the best24:2424 minutes, 24 secondsinterest of your client is is ultimately the goal. Um because if you're and and24:3124 minutes, 31 secondsthe way I've always seen it is we're just entrepreneurs dressed up in whatever skin that we want to have. I obviously do CRM design. You are doing24:4024 minutes, 40 secondscredit fixes. You're uh as a broker, you're trying to find finance solutions.24:4624 minutes, 46 secondsAnd I guess the repeatable part of finance finance solutions is that most people will want it on repeat once they24:5324 minutes, 53 secondsget to a new stage of their growth. And so the only way to do that is to make sure that they a have a good credit score um and and that they can maintain25:0225 minutes, 2 secondsit so that they can continue to that go down that growth pathway and find other extra financial solutions that meet their actual personal goals and desires.25:1525 minutes, 15 secondsExactly right. Systemize it. Just make it part of your process. Tick that box. Move on.
Chapter 16: Where to find Credit Fix Solutions
25:2025 minutes, 20 secondsNice. If people wanted to reach out and talk to you a little bit further and nerd out, where should they go and what should they do?25:2825 minutes, 28 secondsBasically everywhere. No, I'm just kidding. No, what do you want? Do you want Tik Tok?25:3325 minutes, 33 secondsDo you want YouTube? Do you want LinkedIn? No. Um, best way is to go to the website. So, creditfixsolutions.com.au.25:4025 minutes, 40 secondsUm, you can also find me on LinkedIn and connect with me on LinkedIn. Um I'm I'm on there as credit fix solutions. So25:4925 minutes, 49 secondsyou'll find me very easily. I think I'm the only person in industry with the surname Costa. So c just look me up. I'm25:5725 minutes, 57 secondshappy to connect, happy to, you know, have a chat, organize a meeting, um even training sessions for brokers teams,26:0526 minutes, 5 secondsright? So they might have a bunch of people in their team who aren't really up to date with credit reporting. We offer educational training sessions for26:1326 minutes, 13 secondsbrokers. We've got events um we're calling them being there funded that across Australia uh which I love. That's26:2226 minutes, 22 secondsZarko, our industry engagements manager runs those. So he's always coming up with wonderful names for our events. So26:3026 minutes, 30 secondsthey're in person. We get lenders in. We get other support service providers in.26:3526 minutes, 35 secondsWe organize CPD points. Obviously you've got to organize coffees for an event called being there funded that. Um, but26:4226 minutes, 42 secondsthey're really great ways for brokers to get out and and meet other brokers. You know, so many brokers who I've made friends with over the years, they're by26:5126 minutes, 51 secondsthemselves, you know, get out and come to one of our events and you'll find them all on our website.26:5626 minutes, 56 secondsPerfect. Thank you so much, Victoria, for joining me on this pod. Um, anybody who's listening, if you do have comments27:0327 minutes, 3 secondsor questions, feel free to put them down before. Um, do all the good things like like and share. Um, and feel free to27:1227 minutes, 12 secondsreach out to Victoria or myself if you need anything else. Um, again, thank you, Victoria, for joining us. Thank you, Katie.27:2027 minutes, 20 secondsYou're welcome. Bye.Sync to video time
