Student loan changes just hit millions of borrowers, and most have no idea their credit is about to take a hit. Here's the September 30 deadline that decides how bad it gets, and where credit repair pros come in.

Join Our FREE Start Repairing Credit Challenge: HERE

On July 1, 2026, a new law rewrote the federal student loan system. The SAVE plan is dead and a couple of older income-based plans are being phased out. New monthly payments nobody budgeted for are rolling out, and collections are set to switch back on.

Most borrowers have no clue any of this happened, so the damage lands on their credit reports before they ever get a letter. Daniel Rosen walks through the reporting errors that show up every time the loan world reshuffles, and the one date that saves people real money: set up autopay by September 30 to lock in an interest cut of up to one percent through mid-2028.

Whether you started your credit repair business last week or you've been doing this for years, this is the moment to be the expert people turn to when the system stops making sense.

Tune in!

P.S. Join the #1 event to grow your credit repair business: http://creditrepairexpo.com/

Key Takeaways:
00:00 Intro

01:20 What the New Law Actually Changed. Plain English

03:08 Confusion Is the Point. And It Always Lands on the Credit Report

04:44 Where the Errors Get Made. Plan Transfers and Servicer Switches

05:16 How Fast a Federal Loan Goes Into Default

06:08 The Date That Can Save Your Clients Real Money. September 30th

06:42 Step 1. Find Out Who You Owe

07:08 Step 2. Check If a Payment Date Is Already Active

07:30 Step 3. Turn On Autopay Before September 30th

08:06 Be the Person Who Shows Up When It Gets Confusing

09:08 Final Thoughts

Additional Resources:

• Get a free trial to Credit Repair Cloud
• Get my free credit repair training
• Fastest Wins in Credit Repair: 7 Things You Can Delete In DAYS

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Credit repair business growth, the student loan dispute wave, and the fastest score win you can put on a client's report. Daniel Rosen breaks down three shifts happening in the 2026 credit market and the exact move to make on each.

Join Our FREE Start Repairing Credit Challenge: HERE

The national average FICO score has fallen for the second year in a row, and Daniel walks through what that really means for Credit Heroes. First, the student loan wave: reporting has resumed, more than 9 million borrowers fell past-due, and a lot of that reporting is messy with wrong dates, wrong balances, and wrong status you can dispute with specifics.

Second, the quick-win fix on utilization. Daniel explains why paying a card down before the statement closing date, not the due date, can move a score on the very next update. It's the fast result that earns a skeptical client's trust in week one.

Third, the build play most Credit Heroes are sleeping on. Gen Z is opening credit earlier with thin files and nothing to dispute, so what they need is credit building through secured cards, credit-builder loans, authorized user status, and reporting rent. It's a different service for a different customer, and a whole audience competitors are ignoring.

Tune in!

P.S. Join the #1 event to grow your credit repair business: http://creditrepairexpo.com/

Key Takeaways:

00:00 Intro

01:30 The State of Credit in America Right Now

02:42 The Numbers Behind the Drop and What They Mean

04:36 Opportunity 1. The Student Loan Wave. Your Dispute Play

06:00 How to Identify and Dispute Messy Student Loan Reporting

06:36 Opportunity 2. Rising Balances. Your Quick Win Fix

07:20 Pay Before the Statement Date. Not the Due Date

08:04 Opportunity 3. Gen Z Thin Files. Your Build Play

09:04 Dispute. Fix. Build. Three Problems Three Moves

09:48 Final Thoughts

Additional Resources:

• Get a free trial to Credit Repair Cloud
• Get my free credit repair training
• How to Build Credit From Scratch in 2026 (The Service Your Business Is Missing)

Make sure to subscribe so you stay up to date with our latest episodes.

How to start a credit repair business the right way in 2026, straight from Daniel Rosen. If you're ready to get your first client and go full-time, watch this before you make a single move.

Join Our FREE Start Repairing Credit Challenge: HERE

In 20 years of helping credit repair businesses grow from the kitchen table, Daniel has watched the 2019 playbook stop working. What got people their first client back then can hold them back today.

Inside this episode, Daniel breaks down the four mistakes that stall most beginners:

• Why you should stop cold-calling your leads now that the Telemarketing Sales Rule has tightened
• How to find your first clients in the people already around you
• Disputing based on what's genuinely wrong, so your work holds up with the bureaus
• Why doing it all by hand burns people out before they ever land a client

He also shows how automated follow-up inside Credit Repair Cloud and recurring income from Credit Hero Score let you grow without chasing anyone down. Whether you're brand new or you've been sitting on this dream for a year, this is the 2026 roadmap to your first client and your first $1,000.

Tune in!

P.S. Join the #1 event to grow your credit repair business: http://creditrepairexpo.com/

Key Takeaways:

00:00 Intro
01:44 Why the 2019 Playbook Will Hold You Back in 2026
03:42 You Don't Have to Have It All Figured Out to Start
05:20 Mistake 1. Stop Trying to Cold Call Your Leads
06:00 Build Trust First. Let Clients Come to You
07:04 Mistake 2. Start With the People Already in Front of You
08:06 Your First $1K Becomes Your First $100K
08:44 Mistake 3. Dispute Based on Accuracy Not Volume
10:06 Mistake 4. Stop Trying to Do Everything by Hand
11:24 How to Earn Recurring Income on Autopilot
12:14 Final Thought

Additional Resources:

• Get a free trial to Credit Repair Cloud
• Get my free credit repair training
• Credit Repair Business 101: A Step-by-Step Guide

Make sure to subscribe so you stay up to date with our latest episodes.