So I normally start my clients at cleaning up there personal info and opting out of secondary bureaus what would your order after that in regards to the packages or do you just base it on the clients profile ?

Let me give y’all a little game from somebody who used recurring billing for years. I loved knowing that $99 payment was coming every month. Nothing is wrong with predictable income. But eventually, I realized I was letting the recurring payment determine the service instead of letting the updated credit file determine the strategy. That was leaving money on the table. By Month 3, I’m no longer looking at the same file I started with. Now I have dispute history, bureau responses, score movement and updated account information. That update may reveal: • An account that needs CFPB escalation • A furnisher or collector that needs to be challenged directly • Bankruptcy reporting that requires court-record research • A repossession that needs a deeper UCC notice or deficiency-balance audit • A profile that has improved enough to begin discussing credit cards, funding or mortgage readiness That isn’t always another basic $99 round. Sometimes the update reveals a legitimate new service worth $197 or $297 because the scope, strategy and amount of work have changed. And listen—when a client’s score drops, I don’t automatically feel defeated. I get curious. What changed? Did utilization increase? Did a positive account disappear? Did a new late payment report? Did a collection update? Did an account come back with new inconsistencies? Most people see the lower score and panic. I see information—and information can uncover the next opportunity. The same applies when scores increase. Don’t just celebrate the points. Look at whether the client is now better positioned for the approval they originally wanted. I’m not charging more just because a score moved. I’m charging appropriately when my manual analysis uncovers a real new service that the client understands and approves. No surprise charges. No manufactured problems. No pretending to be an attorney. Every additional service should have a clear scope, written authorization and compliant billing. Here’s the lesson:

AI is helping me scale my credit business in a completely different way. 🤯 I’m currently building specialized AI employees for myself and for other CROs I train, including: • Credit strategy agents • Compliance-review agents • Credit education agents • Client intake and follow-up agents • Personalized action-plan agents This is not about replacing expertise. It’s about using AI to improve consistency, save time, strengthen compliance, and help operators serve clients better. I’m building an entire ecosystem that helps new and established CROs stop doing everything manually and start operating with better systems. Do you currently use AI in your credit business? And if you do, what are you using it for?