Registration & Coffee Time

A Catch Box participation exercise to welcome everyone to The Credit Summit! We are thrilled to have you with us today as we dive into the world of credit, financial empowerment, and transformative change. But before we begin, we want to hear from you! Let's kick off our event with a fun and engaging participation exercise that puts you at the center of our conversation. Why Are You Here? It's a simple question, but one that can have a variety of powerful answers. Are you here to learn how to improve your credit score? To discover strategies to grow your business? Or maybe you're looking to network with like-minded professionals? Whatever your reason, we want to know! Here's how it works: Catch the Box: We'll be tossing around a Catch Box—a fun, soft microphone that makes audience interaction easy and exciting. When you catch the box, take a moment to introduce yourself to the room. Share Your Reason: Tell us why you're here at The Credit Summit. What do you hope to gain from this experience? What questions are you looking to get answered? Share your motivations, goals, or even your biggest credit challenges. Pass It On: Once you've shared, pass the Catch Box to someone else. Let's keep the conversation flowing and get to know the diverse reasons that brought each of us to this summit. This exercise is not just about introductions; it's about creating connections and setting the stage for meaningful discussions throughout the day. Your participation helps us shape the conversations and ensures that our sessions meet your needs and expectations. So, get ready to catch the box, share your story, and make the most of your time here at The Credit Summit! Let's find out together—Why are you here?

Are You Ready to Break Through Your Limiting Beliefs? Join us for an empowering and transformative session with motivational speaker David "Powertalk" Solomon! In this high-energy event, we will dive deep into the world of mindset and uncover the hidden beliefs that hold you back from reaching your full potential. What You Can Expect: Identify Your Limiting Beliefs: Discover the subconscious thoughts and beliefs that are keeping you from achieving your goals. David will guide you through exercises and discussions that will help you identify what’s holding you back. Reprogram Your Mindset: Learn proven techniques to shift your mindset from one of limitation to one of possibility and abundance. David's powerful insights and practical strategies will provide you with the tools to start changing your thought patterns immediately. Empowerment Through Action: David believes that real change happens through action. You'll leave this session not only inspired but with a clear action plan to break free from your limiting beliefs and start living the life you truly want. Interactive and Engaging: Get ready to participate! David’s sessions are known for their interactive nature. Be prepared to engage in thought-provoking activities, share your insights, and connect with others who are on the same journey of personal growth. About David "Powertalk" Solomon: David Solomon, known as "Powertalk" for his dynamic and engaging speaking style, is a renowned motivational speaker and mindset coach. With years of experience helping individuals and organizations achieve breakthrough success, David's passion for personal development is contagious. His mission is to empower you to realize your own potential and live your best life. Don’t miss this opportunity to transform your mindset and break through the barriers that have been holding you back. Join us for this powerful session with David "Powertalk" Solomon and take the first step towards your breakthrough!

Are You Ready to Take Control of Your Credit? Understanding your credit report is a crucial step towards achieving financial stability and improving your credit score. Join us for this informative and practical session on "Pulling Credit Reports: How to Read Your Credit Report & Identify Negative Items" and learn how to navigate the complex world of credit reports with ease. What You'll Learn: How to Pull Your Credit Report: Learn the steps to access your credit report from major credit bureaus. We will guide you on how to request your report, understand your rights, and how often you can access it for free. Decoding Your Credit Report: Credit reports can be confusing with all the numbers, codes, and terminology. We'll break down each section of the report, explain what everything means, and show you how to make sense of the information presented. Identifying Negative Items: Negative items like late payments, collections, and charge-offs can significantly impact your credit score. We will teach you how to spot these items quickly, understand their implications, and assess their accuracy. Understanding the Impact of Negative Items: Discover how different negative items affect your credit score and your overall financial health. Learn why it's essential to address these issues and how they can affect your ability to get loans, credit cards, or even rent an apartment. Steps to Dispute Inaccurate Information: Find out how to take action if you spot errors or inaccuracies in your credit report. We'll provide you with the tools and knowledge to dispute incorrect information effectively and ensure your credit report accurately reflects your financial behavior. Who Should Attend: This session is ideal for anyone looking to gain a deeper understanding of their credit report, whether you're new to managing credit or looking to repair and improve your existing credit score. Financial professionals, students, and anyone interested in personal finance will find valuable insights and actionable advice. Why Attend? Empower yourself with the knowledge to take control of your credit. Gain confidence in managing and improving your credit score. Learn from Daraine Delevante who can answer your questions and provide support. Take the first step towards better credit management! Join us for this essential session and equip yourself with the tools and knowledge you need to navigate your credit report and tackle negative items head-on.

Ready to Unlock the Secrets of Your Credit Score? Understanding your credit score is essential for taking control of your financial future. Join us for this eye-opening session, "Breaking Down the 5 Factors of Credit & Leveraging Consumer Law for Deletions," where we'll dive deep into the factors that shape your credit score and reveal how you can use consumer laws to your advantage to improve it. What You'll Learn: The 5 Key Factors of Your Credit Score: We'll explore each of the five critical elements that influence your credit score: payment history, credit utilization, length of credit history, new credit, and credit mix. By understanding how each factor affects your score, you'll be better equipped to make informed decisions that can positively impact your credit profile. How to Improve Each Factor: Learn actionable strategies for boosting each of these credit factors. Whether it's reducing your credit utilization ratio or establishing a longer credit history, we'll provide practical tips to help you strengthen your credit score over time. Leveraging Consumer Law for Credit Repair: Many people don't realize that they have legal rights when it comes to their credit report. Discover how consumer protection laws, such as the Fair Credit Reporting Act (FCRA), can be used to challenge and remove inaccurate, outdated, or unverifiable information from your credit report. Steps to Dispute and Delete Negative Items: Learn how to initiate disputes with credit bureaus effectively. We'll guide you through the process of identifying errors, filing disputes, and following up to ensure that negative items are deleted from your credit report. Real-World Examples and Success Stories: Hear real-life examples of how individuals have successfully leveraged consumer law to clean up their credit reports and improve their scores. These success stories will inspire and motivate you to take control of your own credit situation. Who Should Attend: This session is perfect for anyone looking to understand how credit scores work and those interested in using legal means to clean up their credit reports. Whether you're new to credit, looking to repair your credit score, or a professional in the financial industry, this event offers valuable insights for everyone. Why Attend? Gain a clear understanding of what affects your credit score and how you can improve it. Learn about your rights under consumer law and how to use them to your benefit. Walk away with practical tools and strategies to clean up your credit report and boost your score. Don't miss this opportunity to take charge of your financial future! Join us for this essential session and empower yourself with the knowledge and tools to navigate the credit landscape with confidence.

Unlock the Keys to Financial Approval Success! Navigating the world of credit can often feel like trying to crack an elusive code. Join us for our dynamic session, "Secrets to Getting Approval," where we will demystify the approval process and equip you with the strategies you need to secure credit, loans, and other financial products with ease. What You’ll Learn: Understanding the Approval Criteria: Learn what lenders and credit providers are really looking for when they assess your application. We’ll dive into the criteria that matter most, including credit score, income, debt-to-income ratio, and other key factors that influence approval decisions. Building a Strong Credit Profile: Discover actionable tips to build and maintain a solid credit profile. We’ll explore the importance of a healthy credit mix, payment history, and how to strategically manage credit inquiries to boost your chances of approval. The Power of Credit Utilization: Learn how to effectively manage your credit utilization ratio to present yourself as a responsible borrower. Understand why keeping your credit card balances low can make a big difference when seeking approval. Mastering the Application Process: Get insider tips on how to fill out credit applications effectively, what to include, what to avoid, and how to present your information in the best possible light to increase your likelihood of approval. Leveraging Pre-Approval Offers: Understand the benefits of pre-approval and how to use it as a tool to gauge your chances of approval before formally applying. We’ll discuss how pre-approval can save you time and protect your credit score. How to Handle Rejections and Turn Them Into Approvals: If you’ve been denied credit in the past, don’t worry—we’ll show you how to turn that "no" into a "yes." Learn how to read and respond to denial letters, improve your credit profile, and reapply successfully. Tips for Specific Credit Types: Whether you’re looking for a mortgage, auto loan, personal loan, or credit card, we’ll provide tailored advice to help you navigate the specific approval requirements of each credit type. Who Should Attend: This session is perfect for anyone seeking to improve their chances of getting approved for credit or loans. Whether you’re a first-time borrower, someone looking to rebuild your credit, or a financial professional wanting to assist clients, this session will provide valuable insights and strategies. Why Attend? Gain the knowledge you need to understand what lenders are looking for. Learn actionable steps to strengthen your credit profile and improve your approval odds. Empower yourself with the tools and techniques to navigate the credit landscape with confidence. Don’t leave your financial future to chance! Join us and uncover the secrets to getting approval, and take control of your financial journey today.

Discover the Hidden Players in Your Financial Profile! In the world of credit and consumer reporting, most people are familiar with the "Big Three" credit bureaus: Experian, Equifax, and TransUnion. However, did you know that there are numerous other agencies collecting, storing, and reporting your financial data? Join us for our eye-opening session, "Credit Bureaus Don’t Exist: Secondary Consumer Reporting Agencies," where we unveil the lesser-known but influential players in the credit reporting industry. What You’ll Learn: Unmasking the Secondary Agencies: Learn about the various secondary consumer reporting agencies that operate behind the scenes. Discover who they are, what data they collect, and how they can impact your creditworthiness and financial opportunities. How Secondary Agencies Affect You: Understand the role of these agencies in your everyday financial life. From rental history to medical records, utility payments to employment background checks, we’ll show you how secondary agencies have a far-reaching impact on your credit profile and financial decisions. Common Types of Secondary Reports: Get acquainted with the different types of consumer reports these agencies provide, including tenant screening reports, employment background checks, insurance claims history, check-writing history, and more. Knowing what reports are out there can help you stay one step ahead. Your Rights Under the Law: Empower yourself by learning about your rights under the Fair Credit Reporting Act (FCRA) and other relevant consumer protection laws. We’ll discuss your right to access, dispute, and correct information held by secondary reporting agencies. How to Monitor and Manage Secondary Reports: Learn practical steps to request and review your secondary reports. We’ll provide tips on how to identify and address errors, and how to take control of your data to protect your financial reputation. Strategies for Dealing with Negative Reports: Discover effective strategies for handling negative information on your secondary reports. We’ll discuss dispute processes, negotiation tactics, and how to work with these agencies to improve your standing. The Future of Consumer Reporting: Gain insights into emerging trends and technologies in the consumer reporting industry. Understand how data privacy concerns, regulatory changes, and innovations like artificial intelligence are shaping the future of credit reporting. Who Should Attend: This session is ideal for individuals looking to gain a deeper understanding of how their financial data is handled and reported. Whether you’re a consumer seeking to protect your credit, a financial advisor, a credit repair specialist, or a legal professional, this session will provide valuable knowledge and tools. Why Attend? Learn about the hidden agencies that play a critical role in your financial life. Understand your rights and how to protect your data. Discover how to manage and improve your consumer reports beyond the traditional credit bureaus. Don’t be in the dark about your financial data! Join us and learn how to navigate the world of secondary consumer reporting agencies, ensuring you’re fully informed and in control of your financial future.

Unlock the Secrets to Financial Freedom! In today’s fast-paced digital age, creating multiple streams of income isn’t just a luxury—it’s a necessity. Imagine making money while you sleep, earning profits from products you created once, and enjoying the flexibility of a lifestyle that allows you to work from anywhere. Join us for the "Making Money with Digital Products & Passive Income" event, where we dive deep into the world of digital entrepreneurship and passive income strategies. What You’ll Learn: Introduction to Digital Products: Discover what digital products are and why they are the perfect avenue for generating passive income. From e-books and online courses to printables and software, learn how digital products offer limitless opportunities for income generation. Creating Your First Digital Product: Learn the step-by-step process of brainstorming, creating, and launching a digital product. We’ll guide you through everything you need to know—from identifying a profitable niche to choosing the right platform to host your product. Passive Income Streams: Explore various passive income models beyond digital products. Learn about affiliate marketing, subscription services, membership sites, and more. Understand how to create a diversified portfolio of passive income streams that can sustain your financial future. Marketing Your Digital Products: Understand the importance of effective marketing to ensure your digital products reach the right audience. We’ll cover content marketing strategies, social media promotion, email marketing, and using paid ads to boost your visibility and sales. Automating Sales and Scaling Your Business: Discover tools and techniques to automate your sales process, from setting up a sales funnel to using email autoresponders. Learn how to scale your digital product business to maximize profits with minimal ongoing effort. Case Studies and Success Stories: Gain inspiration from real-life examples of successful entrepreneurs who have built thriving businesses with digital products and passive income. Learn from their experiences, mistakes, and triumphs. Legal and Financial Considerations: Get insights into the legal aspects of selling digital products, including copyright protection, terms and conditions, and GDPR compliance. Learn about managing finances, setting up payment gateways, and handling taxes. Who Should Attend: This event is perfect for aspiring entrepreneurs, freelancers, business owners, and anyone interested in creating an additional income stream. Whether you’re a seasoned professional looking to expand your business model or a beginner curious about digital products, this session will provide valuable insights and actionable strategies. Why Attend? Learn how to create and sell digital products for ongoing passive income. Understand the various passive income streams available and how to tap into them. Gain practical tips on marketing, automation, and scaling your digital business. Get inspired by success stories and learn how you can replicate their strategies. Take the first step towards financial freedom! Join us and learn how to leverage digital products and passive income to build a sustainable and lucrative business model. Embrace the potential of digital entrepreneurship and start making money on your terms!

Lunch Time

Flame breaks down the credit system in a way that it is easy to digest.

The truth behind the child support system is revealed, listen as Lionell "TJ" Tillman explains why child support is fraud.

Unlock the potential of consumer laws to kickstart and grow profitable businesses at our engaging event, Leveraging Consumer Laws To Start Cash Flowing Businesses. Designed for entrepreneurs, business owners, and legal professionals, this event will provide you with the knowledge and strategies needed to navigate and utilize consumer protection laws effectively to drive your business success. What to Expect: Expert Insights: Gain valuable perspectives from legal experts and successful entrepreneurs who will discuss how to leverage consumer laws to create and sustain profitable ventures. Learn about the legal frameworks that can be harnessed to protect your business and enhance consumer trust. Legal Fundamentals: Dive deep into the essential consumer laws that impact business operations, including regulations on advertising, privacy, product safety, and customer rights. Understand how these laws can be used strategically to your advantage. Practical Workshops: Participate in interactive sessions that offer hands-on experience in applying consumer laws to real-world business scenarios. Explore case studies and role-play exercises to develop practical skills for compliance and strategic planning. Case Studies: Discover how various businesses have successfully integrated consumer law principles into their operations. Analyze real-life examples to see how legal strategies have driven growth and mitigated risks. Networking Opportunities: Connect with fellow entrepreneurs, legal professionals, and industry experts. Share experiences, exchange ideas, and build connections that can support your business journey. Actionable Strategies: Learn actionable strategies for incorporating consumer law knowledge into your business plan. Get practical tips on how to use legal compliance as a competitive advantage and ensure long-term sustainability. Q&A Sessions: Engage directly with our panel of experts during dedicated Q&A sessions. Address your specific questions and get personalized advice on leveraging consumer laws for your business. Who Should Attend: This event is perfect for entrepreneurs, startup founders, business owners, legal advisors, and anyone interested in understanding how consumer laws can be used to build and scale profitable businesses. Whether you’re launching a new venture or seeking to optimize an existing one, this event will provide the insights you need to navigate legal complexities and foster financial success. Don’t miss this opportunity to harness the power of consumer laws to fuel your business growth. Register now and take the first step towards a more informed and legally sound business strategy!

Laern the latest trend and strategies in personal & business tax.

Break & Exhibit Time

Students Award Ceremony Time

Listen to success stories of The Credit Hero (Daraine Delevante) and joining CLSU has changed the life and income for the better.

That kicks off the second day of The Credit Summit, let's do a mild recap of all the things we learned and gathered.