Entrepreneur Harvey Logan has quickly become one of the most inspiring success stories of the credit repair world. Starting his business from a small office in his hometown of Tuscaloosa Alabama, The Credit Houdini shares some insight into how he built his business from the ground up to become a national success.
Hi Harvey, can you tell us a bit about your background and how you developed your expertise in credit restoration?
I’ve always been known as a self-starter or hustler in my city of Tuscaloosa, Alabama. I started my entrepreneur career selling women’s hair. While selling hair I eventually opened a small gym that I ran for 2 years until I got into car sales. At the beginning of 2018 I began my credit repair journey while also selling cars. At the time I was an all-star car salesman but came across so many clients that struggled with their credit. That’s when I began reading and educating myself on the credit repair process and eventually decided to make it a full-time gig after being laid off from selling cars which turned out to be the best thing that could’ve happened to me
How do you motivate and educate your clients to achieve bigger goals?
Anyone that visits my social media will see a nice home and expensive vehicles which are only used to motivate and show people that with the power of credit education and financial discipline anything is achievable. I also have a YouTube channel where I pick credit related topics to educate viewers on the ins and outs of credit regardless of how big or how small of a topic. Each day I make a post about positive topics to help people that may be going through a rough patch in their life, so they know they’re not alone. I do that to ensure people that if they keep going their happiness is right around the corner. I’m very big on financial literacy and preaching to viewers about making smarter choices regardless of your financial situation.
How long does it take to remove negative marks on credit reports?
I normally let clients know that with credit repair no two credit profiles are the same. Some people may only require what’s called a trade-in to help boost credit score or add credit history. Where some clients may need more extensive work done. Collections accounts and charge offs accounts normally make up the majority of issues revolving around a client’s credit profile. The most important message that I try to relay to my clients is that with each client we do our very best to ensure we give the best customer service possible.
What is your process for working with a new client and helping them eliminate negative marks on their credit reports?
Well, the first step as I tell most clients there are thousands of people walking around with inaccurate accounts on their credit profiles. Our job as the credit professional is to insure, we do our job by investigating each account to the fullest degree to make sure that the information is in fact accurate for our client. Most people that we encounter only check their credit on average about 5 times a year. With that being about the average number when asking clients most people have inaccurate accounts that they are unaware of and that’s where we come in.
We heard that you are in the process of finishing a DYI Credit Repair Ebook, can you tell us more about it?
Well, I’m currently in the process of publishing a credit repair Ebook that will offer detailed templates for various phases of credit repair. It will give a bit more insight on who I am as well as breakdown some frequently asked questions that most people want to know but are never able to get a clear answer on as there are so many grey areas surrounding credit repair. Clients will have a full understanding of how to use dispute letters revolving around removing bankruptcy, inquiries, collections, charge-offs and their will even be a section on how to start business credit.
Has COVID impacted your services and/or the expectations or needs of your clients?
At the beginning and midpoints of the 2020-year credit repair was highly impacted because most companies were closed. I felt my team and I did a phenomenal job considering the slowness of how the process slowed down up until around August of last year. From an educational standpoint I must say considering most of everything turned virtual it gave me a great opportunity to focus more on the educational videos to help clients have a full understanding of their credit, so they leave our company knowing how to maintain their new found credit scores.