About five years ago, I went to go purchase a car, and the salesman said [no one would finance my loan]. Then he told me I had a 460 credit score. He said I needed to find someone to help me get my credit cleaned up. I called a [credit repair] company and enrolled.
It turned out there was another guy who lived in my same town with a very similar Social Security number, so his bad credit had gotten merged onto my credit report. [Once the credit repair company was done], my score went from a 460 to a 780.
[Three years later], I started going to national conferences that are like boot camps for credit repair and I learned how to legally and ethically launch my own company [TRW Credit Services].
I live in a small town and know every car dealership, every bank, so I started making phone calls to every person I knew at these places and told them my story. I said, 'send me all your bad customers and I'll clean them up.'
My total out of pocket was under $1,000 to launch my business out of a spare bedroom in our house.
