[00:01] Phil Introduces Michael Charles – Sets the stage for the conversation on credit repair.

[01:31] Michael's Journey – Michael shares why he became a digital entrepreneur and his dedication to credit repair.

[03:16] The Beginning with Credit – How Michael started his journey into credit understanding and repair.

[07:16] Industry Challenges – Discussing the challenges Michael faced as a person of color in the credit industry.

[10:14] Mentorship Benefits – Michael talks about how mentorship fast-tracked his success.

[12:29] Leveraging Credit – Strategies and a success story for entrepreneurs using credit.

[15:50] Naming RSC Credit Freedom – The origins of the business name and its significance.

[18:06] Common Challenges – Discussing common challenges entrepreneurs face when repairing their credit.

[20:01] Education and Self-learning – Michael emphasizes the importance of self-learning and education.

[28:06] Vision for the Future – Where Michael sees himself in five years.

[29:37] Advice for Listeners – Michael shares his advice on starting small and being persistent.

[32:23] Final Piece of Advice – Michael advises listeners to start and mentions the book Atomic Habits.

[34:06] Contact Information – Michael provides his website and social media for further resources.