Marine veteran, Millionaires Club recipient, and Credit Repair Expo 2026 speaker Joshua Rico joins Daniel Rosen and Keenan Jones to share how he went from a 500 credit score to a million-dollar credit repair business.

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While deployed in Iraq, a family member stole $6,000 from Joshua's bank account and tanked his credit. He came home to denials on apartments, denials on cars, and an 18.74% APR on the one vehicle he could get. After cycling through MLMs, phone flipping, barbering, and other ventures, the pandemic forced him to ask what he could actually build online. He found Credit Repair Cloud, finished the masterclass in two weeks, and landed 50 clients in his first month.

Joshua breaks down every layer of his business: the $99/month recurring model, the organic marketing system built on video testimonials, and the disputing tactics his team uses daily. He explains why he stopped sending letters two years ago, how he uses upload portals, CFPB complaints, and social media disputes instead, and walks through his process for cleaning up personal information on credit reports. He also shares a late payment removal script, his approach to hard inquiries, and the pledge loan strategy he recommends for credit building.

Tune in!

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Key Takeaways:

00:00 Intro
01:28 From Deployed Marine to Million Dollar CEO
03:44 How Family Identity Theft Started It All
09:00 The Zero-Ad Script That Built a Million Dollar Following
12:16 How He Landed 50 Clients in His First Month
17:06 The Daily Routine That Took Him From Broke to Millionaire
19:10 The Hands-Off Business Model That Earns While He Sleeps
23:46 Why Mindset Is the Real Foundation of Every Success
31:00 The $300K Mistake That Almost Ended Everything
39:12 The Marketing System Behind His Million Dollar Business
44:26 Exactly How to Get Your First Client in 30 Days
53:26 The Advanced Dispute Strategies Nobody Talks About
01:16:00 One Piece of Advice That Changes Everything

Additional Resources:

• Joshua Rico on YouTube
• Follow Joshua Rico on TikTok & Instagram
• Get a free trial to Credit Repair Cloud
• Get my free credit repair training
• 5 Possible Reasons and How to Fix Them

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