Over 2 million borrowers just lost 100+ credit points, and most never saw it coming. If your score slid from a 700 to a 550 overnight, this episode is your playbook to reverse it.

Inside, we unpack exactly how post-October 2024 reporting torpedoed scores—retroactive lates, skipped notices, duplicate tradelines, and how those same violations can be used to dispute and delete the damage.

What you’ll learn:

• The reporting rules federal vs. private servicers keep breaking—and how to prove it
• The step-by-step dispute stack: bureaus, servicer validation, CFPB complaint
• When consolidation resets the board (and when it doesn’t)
• How to escalate for fast corrections and permanent removals

Who it’s for: borrowers, first-time homebuyers, agents, and LOs advising clients—anyone who needs credit points back now.

Make sure you share this episode with anyone who needs it

Support the show

Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: info@coachclarence.com. We love your feedback.
YouTube: Coach Clarence TV
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JR—Arizona’s go-to home insurance specialist—breaks down how your policy can speed or stall a mortgage, refi, or HELOC. He shows what lenders verify (coverage limits, deductibles, replacement cost vs. ACV, effective dates, the mortgagee clause) and the gaps that jam closings—missing binders, wrong clauses, roof exclusions, HOA “walls-in” misunderstandings. Then he walks through the simple fixes he used on my policy to tighten coverage and cut costs: aligning limits with the appraisal, cleaning up endorsements, and timing the policy with closing so escrow stays smooth. Insurance built around your financing—not the other way around. An advisor beats a policy pusher every time.

Join us for a conversation about one of Arizona's leading advisors, how his passion, love for God guides his business model.

You can find out more about JR here: https://comparioninsurance.onemob.com/p/jrtheadvisor

Support the show

Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: info@coachclarence.com. We love your feedback.
YouTube: Coach Clarence TV
Instagram: www.instagram.com/clarencemferguson
Instagram: www.instagram.com/tharealcoachclarence
Facebook:https://www.facebook.com/groups/fitover40withcoachclarence
Linkedin:https://www.linkedin.com/in/clarencef/
Pinterest: https://www.pinterest.com/CoachClarence/
Twitter: https://twitter.com/fitnusbiznus

Crypto Meets Real Estate?!
You can now buy a home using your Bitcoin, without selling it.

No, this isn’t hype.
Starting mid-2025, a new rule from the Federal Housing Agency allows Bitcoin stored on U.S.-regulated exchanges to be used as mortgage collateral.

✅ Keep your crypto
✅ Avoid capital gains
✅ Skip the credit check (in some cases)

I break it all down in the latest episode of Coach’s Corner—from how the process works to who qualifies and why this could change the game for smart buyers and investors.

Would you use your crypto to buy a home? Drop your thoughts in the comments ⬇️

Support the show

Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: info@coachclarence.com. We love your feedback.
YouTube: Coach Clarence TV
Instagram: www.instagram.com/clarencemferguson
Instagram: www.instagram.com/tharealcoachclarence
Facebook:https://www.facebook.com/groups/fitover40withcoachclarence
Linkedin:https://www.linkedin.com/in/clarencef/
Pinterest: https://www.pinterest.com/CoachClarence/
Twitter: https://twitter.com/fitnusbiznus