In episode two of Elevate 216, Jamaa and Mal talk about credit repair and how to leverage credit, sharing real experiences and practical starting steps. They also highlight building credit while cleaning it, using credit-builder tools, and how good credit can open access to funding and perks. They announce a financial literacy day party on Saturday, November 14, 2026 at Lounges in Cleveland.

00:00 Episode Intro
00:27 Why Credit Matters
02:26 Avoid Credit Repair Scams
03:38 Teach the Whole Family
05:24 Audit Your Credit Report
06:36 Credit Repair Takes Time
08:57 No Shame in Bad Credit
10:47 Leverage Credit for Goals
14:46 Cash vs Credit Lessons
16:08 Building Score vs Profile
20:15 Mor’s Funding Strategy
22:23 The Reward of Helping
22:51 Credit Changes Lives
24:06 Perks and Levels
25:28 Late Payment Reality
27:04 Utilization Under 10
29:05 Boost Limits and Usage
30:04 Building Credit History
31:21 Authorized User Strategy
34:11 Primaries Over AUs
35:41 Start Building Day One
38:08 Personal Credit Wins
40:16 Travel Perks and Rewards
42:44 Wrap Up and Event Plug

Jamaa Cox, a Cleveland-based credit repair specialist with seven years of experience, and Jamal Rogers, a Cleveland real estate investor and business builder active since 2019, introduce their mission to change the financial trajectory of their community through hands-on education in credit, entrepreneurship, and real estate. They promote an upcoming all-in-one networking “day party” focused on financial literacy, featuring resources like lenders, credit unions, and a CPA, scheduled for November 14th, 2026 from 4–8 PM at Lounges.

00:00 We Here Intro
00:20 Meet Jamay Cox
01:09 Meet Jamarl Rogers
01:46 Mission For Cleveland
03:26 Hands On Guidance
04:37 Starting Over Story
07:11 Credit Responsibility
09:15 Real Estate Myths
11:35 Faith And Focus
15:11 Mindset And Sacrifice
18:47 Event Invitation
21:24 Credit Changes Lives
21:45 All In One Vendors
23:11 Event Details And Close