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SmarterLending

Lender Consulting Services

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Welcome to the SmarterLending podcast by Lender Consulting Services Inc.! Our goal is to help you lend confidently by providing insightful and actionable information from the subject matter experts on everything Environmental, Construction, and Appraisal Due Diligence.
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Specializing in seller financing, Dawn has been a real estate and note investor for over 20 years. She provides custom consulting, coaching and note appraisal services. Note Queen is where Property Meets Paper and Learns to Dance. Subscribe to have your eyes opened to the profound, yet simple ways that seller financed real estate (property) and notes (paper) can help you create powerful and profitable financial solutions, just one Mom 'n Pop to another. The easiest way to get started investi ...
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Welcome to Coast to Coast Credit, hosted by me, Tamiya Robles, your dedicated credit repair expert and the proud owner of FixMyCreditNow850.com. In this empowering podcast series, I'll be your guide through the intricate world of credit. Tune in as I share invaluable insights on credit repair, credit building, DIY services, tips, and tricks. Join me as we delve into the art of repairing credit, empowering you to take control of your financial journey. Learn the secrets of building robust per ...
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Impact Lenders Podcast

Impact Lenders Podcast

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The Impact Lenders Podcast (ILP) is a biweekly podcast that focuses on the work of Community Development Financial Institutions, foundations, government lenders, and others using lending for good. Through interviews with the remarkable personalities in the field, we keep listeners informed on the hot topics and emerging trends in the industry. Guests include executive directors, lenders, marketers, accountants, fundraisers and others active in the industry. By learning from their experiences ...
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In this no-nonsense episode, credit expert Tamiya Robles breaks down a tough truth: when you don’t follow through with your credit repair plan, the person you hurt isn’t your credit expert — it’s yourself 💳📉. From dodging payments to withholding documents, these behaviors block your own progress. This episode covers common mistakes clients make and…
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The holidays are coming fast — and so is your chance to start 2026 with a clean credit slate 💳✨. In this episode, credit expert Tamiya Robles breaks down why early to mid-November is the BEST time to get your credit repaired. From faster response times before holiday slowdowns 🕒 to getting approved for that 2026 home purchase 🏡, this is your remind…
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In this episode of Coast to Coast Credit 🎙️, I’m breaking down why your credit score reflects the energy you put into it. From payment habits to discipline, your results come from your effort 💳📉. I’m also tying it into business and relationships, because let’s be honest — they all connect. If you want better credit, it starts with better habits. Le…
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In this episode of Coast to Coast Credit 🎙️, I break down what different lenders are really looking for — from auto loan rates to mortgage approvals 🏠. Learn how your credit score and full credit profile impact your chances of getting approved, your monthly payments, and even your insurance rates 💳📉. If you're serious about getting better loan term…
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Dawn Rickabaugh, host of Property and Paper Live and creator of NoteQueen.com, delivers an insightful lecture on real estate investing, financing, and note buying strategies. Emphasizing the importance of understanding one's core identity beyond professional roles, she encourages participants to distill their essence into clear, meaningful statemen…
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The government is shut down 🇺🇸, food stamps are at risk 🥴, and the economy is shaking. In this episode of Coast to Coast Credit, I break down why now is the time to stop waiting and start building. Whether it's starting your own credit repair business or finally fixing your credit, the time is now. I'm giving no excuses, no fluff — just truth, opti…
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🚫 I’m done accepting bullshit from clients, friends, or anyone else. In this raw and honest episode, I share personal stories, call out disrespect disguised as excuses, and make it clear — in business and in life, excuses don’t pay bills 💰. If you’re tired of people wasting your time ⏳ or you’re the one holding yourself back, this episode is both y…
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To every hater, gossiper, non-payer, and doubter… thank you 💅🏾. You gave me motivation 🔥. You gave me content 🎙️. And most importantly — you gave me proof that I’m still rising 📈. This episode is all about owning your power, standing tall through the noise, and letting your results speak louder than opinions 🎯. If you’ve ever felt underestimated, t…
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This was a fun chat with someone I met through another coaching group for entrprenuers. Erin and I can appreciate each others' sense of humor... and being able to laugh is high value! We got caught here in the beginning laughing over Charmander... anyone have kids that used to play Pokemon?? We discuss the challenges and opportunities surrounding h…
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This episode highlights the power and potential of starting a credit repair business 💼. Learn why no degree or certification is required to launch, and how taking the right course can lead to earning six figures — even in the first year. The episode also explores how a credit business doesn’t just help you make money, it helps others win too 💳. Fro…
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Your credit report may show bankruptcies, child support, evictions, or judgments that don’t even belong there. ⚖️ In this episode, I explain how these items get reported, why they’re often inaccurate, and how you can dispute them. ✅ Don’t let PACER data and third-party mistakes ruin your credit. Learn your rights, protect your profile, and take bac…
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In this comprehensive discussion led by Dawn Rickabaugh, a seasoned seller finance expert and owner of NoteQueen.com, the multifaceted benefits and strategies of using owner financing in real estate transactions are explored in depth. Dawn emphasizes the critical interplay between "property and paper," referring to the tangible real estate asset an…
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Partnerships are powerful—but only when built on respect. In this episode, I set the record straight about referral partners who try to overpromise results, undermine me in front of clients, or try to tell me how to run my business. 🚫 I appreciate every referral, but no one will ever bully me. 💯 Tune in to learn the right way to collaborate, the mi…
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I can’t hurt your credit — I can only help it 💳. In this episode, I break down the benefits of working with me: free consultations, education, trade lines (when appropriate), courses, workshops, and credit repair. Even in the worst-case scenario, your credit doesn’t get worse — it only gets better. 🚀 Support the show 💬 Please like, comment, and sub…
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Being sued by a debt collector is scary ⚠️ but it’s not the end. In this episode, learn what really happens when you’re served, how to respond, what trial looks like, and even what rights you may have afterward ⚖️💳. Don’t panic — get informed, get prepared, and protect your financial future! 🚀 Support the show 💬 Please like, comment, and subscribe …
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In this comprehensive discussion, Dawn delves into the intricacies, opportunities, and pitfalls of creative real estate financing—particularly seller financing, seller-held notes, and contract-for-deed arrangements. The conversation is framed around real-life case studies involving high-equity sellers, ethical considerations, and practical challeng…
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Just because a collection or charge-off is deleted from your credit report doesn’t mean the debt is gone 🚫. Learn what really happens to debt after removal 💳, what creditors can still do ⚖️, and how to protect yourself with smart strategies 💡. Don’t confuse deletion with forgiveness — understand the truth and move toward real financial freedom! Sup…
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Remember, opportunities are everywhere 🌎✨—you just need to know where to look. The ACC is one of those hidden gems 💎 that can change your financial future 💰. Join the ACC ( The American Consumer Council): https://americanconsumercouncil.org/ Support the show 💬 Please like, comment, and subscribe to stay empowered on your credit journey! 👉 ✍️ Take M…
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💳 Thinking about paying for credit repair? Before you invest your money, get the real truth about costs, timelines, patience, and setting realistic goals. This episode breaks down what you need to know so you don’t waste time or money. 📉 Ready to start your journey? Click the link to listen, then schedule your FREE consultation today! 📲 Support the…
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Understanding the difference between personal and business credit can change your financial future. This episode breaks down the full process — from personal credit readiness to LLC formation, EINs, bank approvals, and building true business funding step-by-step. Learn what lenders look for, where to apply, and how to structure your business the ri…
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Not everything is a scam 🚫. In this episode of Coast to Coast Credit, we dive into why slow results, missed expectations, or quiet professionals don’t always mean you’ve been ripped off. Whether it’s credit repair or life in general, some people truly want to help — and they deserve patience, not paranoia. Learn how to spot the difference between d…
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In this insightful and extensive discussion, Dawn Rickabaugh, host of Property and Paper Live, sheds light on the evolving real estate market of mid-2025, emphasizing the growing importance and practicality of seller financing and note investing as viable alternatives to traditional bank financing. Dawn's core message targets everyday "Main Street"…
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In this episode of Coast to Coast Credit, I talk about what free credit consultations are — and what they’re not. 🎯 Whether you're seeking guidance or ready to get your credit repaired, there's a 30-minute spot just for you. But if you're here to vent, flirt, or pick her brain for free, this one’s a wake-up call. I break down expectations, boundari…
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💼To all of my referral partners! This episode is for YOU! I break down what makes a successful partnership, how to avoid common mistakes, and what happens when assumptions get in the way of results. Let's build smarter, stronger connections that actually help the people we're serving. 🤝✨ Support the show 💬 Please like, comment, and subscribe to sta…
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Thinking about fixing your own credit? 🧠 Don’t jump in too fast. This episode breaks down the biggest mistakes DIYers make and why learning the process first can save time, money, and frustration. From understanding what credit actually is to knowing your rights and having the right mindset — we’re covering what it really takes to repair your credi…
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Today’s episode is a powerful reminder that your reputation is your most valuable asset. 💰 It can open doors 🚪, slam them shut, or block your access before you even approach. Whether it’s in business, credit repair, or your personal life — the way you move, talk, and carry yourself matters. Support the show 💬 Please like, comment, and subscribe to …
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Not everyone wants more out of life — and that’s okay. 💭 This episode breaks down why some people choose to stay stuck when it comes to credit, careers, travel, or mindset. 💳🧠✈️ Learn how to recognize it, protect your peace, and stay focused on personal growth without letting others hold you back. 🌱🚀 Support the show 💬 Please like, comment, and sub…
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💬 In this episode of Coast to Coast Credit, we’re creating a safe space where you can talk about your credit without fear, shame, or judgment. Your past does not define your future — and we’re here to walk you through your next steps, one honest conversation at a time. ✔️ Why people delay fixing their credit ✔️ How shame blocks financial progress ✔…
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💬 In this episode, I share how the way you see credit directly affects how you use it. I’ll help you identify the patterns and beliefs that hold you back—or push you forward. Whether your credit is struggling or you’re maintaining, I’ll walk you through solutions to shift your mindset, fix your credit, and keep it healthy for the long run. 👉 Book y…
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A comprehensive discussion led by Dawn Rickabaugh on the current real estate market dynamics, owner financing strategies, note investing, and creative deal structuring amidst a shifting market landscape. Dawn emphasizes that the current market volatility and tightening liquidity create both challenges and opportunities for real estate investors, es…
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💬 In this episode, I’m breaking down Capital One’s massive move now that they’ve officially acquired Discover. You’re probably wondering — how does this affect you? Whether you’re banking with them, using their cards, or just want to know what to expect, I’m here to help you see what this means for your wallet and your credit. Support the show 💬 Pl…
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💬 In this episode, I’m breaking down the new student loan bill that just passed the Senate. If you have federal student loans or you’re thinking about borrowing, listen up — this could change how you pay for college, how much you owe, and what options you have. I’m going to help you understand exactly what’s changing, who it’s going to hit the hard…
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Fixing your credit isn’t instant — and in this episode, I share the truth about what it really takes to build better credit, especially if you’re facing repos, evictions, or bankruptcies. Let’s focus on progress, not perfection. 💳📈 Support the show 💬 Please like, comment, and subscribe to stay empowered on your credit journey! 👉 ✍️ Take My FREE Cre…
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In this episode, I took a deep dive into tradelines — what they are, how they work, and when they can help you. 💳🏠 You learned the pros ✅, the cons ❌, and why strategy matters 🎯. Whether you’re thinking about becoming an authorized user, buying a tradeline, or just checking your report 🕵️‍♀️, the most important thing is making informed decisions th…
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Section 8 is ending in just two years — are you ready? ⏳🏠 In this episode, I’m sharing real strategies to help you prepare for life beyond public housing, food programs, and other benefits. 💡📉 Whether you’re currently receiving assistance or know someone who is, this episode offers guidance, motivation, and a clear plan to become financially indepe…
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In this episode I’m sharing how years of poor financial decisions, a lack of financial education, and impulsive spending shaped the credit expert I am today. 💸 From giving away money in school to blowing entire paychecks on things that didn’t matter, I’ve made a lot of mistakes. But everything changed when life forced me to grow up financially. 💪 T…
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In this episode I share real-life stories, personal examples, and self-reflection tools to help you identify who you are, how you show up in relationships and business, and what personality traits might secretly be working against you. 💡 Whether you're a People-Pleaser or a Realist, this episode will help you tap into your core identity, grow throu…
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Sure! Here's a shorter, emoji-friendly version of your podcast episode description: In this episode of Coast to Coast Credit, Tamiya Robles shares a hard truth — some people just don’t want help. 🛑 Whether it’s fixing credit, building wealth, or growing in life, not everyone is ready. Tamiya opens up about real stories 💬 from clients, housing waitl…
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Today we broke down 10 ways you can treat your children like the priceless investments they are. From education to emotional health to financial literacy, this episode was about shifting our mindset. Affirmation: 💖 My child is a reflection of my love, 📚 my lessons, 👑 and my legacy. 💡 I invest with intention. Support the show 💬 Please like, comment,…
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In today’s episode, we talk about what it really looks like when your hustle turns into a successful business. We explore how that can shift your identity, your credit needs, your environment, and your value. Remember: the goal isn’t just success — it’s sustainable success. Don’t be afraid to evolve. You’re not who you used to be — and that’s a goo…
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💸 Getting your paycheck garnished by a debt collector is one of the most stressful financial hits you can face 😩💼 But what if I told you there are smart ✅ legal ⚖️ steps you can take to protect your money before it ever gets that far? 🎧 In today’s episode, we’re digging deep into how to stop wage garnishment before it starts — and the actions you c…
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😱 Ever been threatened with a lawsuit over a debt? Or even worse — handed court papers by a debt collector at your door? 🚪📄 Don’t panic — this episode’s got your back! I’m breaking down exactly what to do if a collection agency sues you AND how to protect yourself using a powerful law most people don’t even know exists 💼⚖️ 🎧 Tune in now so you know…
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You didn’t ask for a discount when you paid hundreds—sometimes thousands 💸 to people who ghosted you 👻 or left your credit in even worse shape 📉. So why expect real results now for free? 🤔💼 #youtube #creditscore #mortgage #creditrepair #podcast #money #2025 #realestate #community #shortsvideo #yt #motivation #business #financialfreedom #trending #v…
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The CFPB said medical debt would be removed from credit reports starting March 17, 2025 🧾❌ — but has that actually happened? Since the CFPB has been on hold 🚫, it’s not clear. In this episode, I break it all down 📉, share a video update 🎥, and give you 5 companies that can help pay or erase medical bills 💸🏥. If you’re still struggling with medical …
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My dear Robin in Texas, who has been a loyal and generous follower for years, comes on to talk in depth about her struggles to deal with bad tenants, rehab following eviction, and a potential exit using seller financing to sell the mobile on land to someone who needs a home. This is great for helping real estate and note investors think through the…
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Being multi-talented isn’t just about showing off — it’s about survival in today’s business world 💼🔥. Don’t wait until your back’s against the wall 🚧. Start growing now 🌱. Be valuable 💡. Be different ✨. Be a force they can’t replace 💪🏾🚀 Support the show 💬 Please like, comment, and subscribe to stay empowered on your credit journey! 👉 ✍️ Take My FRE…
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In this episode, we talked about why bringing a street mentality into your business can hold you back—and even cost you everything 💼🚫. Whether it’s how you talk 🗣️, act 🎭, or present yourself 💁‍♀️, it all matters. The truth is, you are talented 🌟, but your mindset and energy have to match the level of success you’re reaching for 📈✨. Growth doesn’t …
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👀 Did you catch Jess Hilarious’ rant on The Breakfast Club? She opened up about feeling replaced and pushed out—and it got a lot of people talking. In this episode, I’m watching it with you and sharing my real-time thoughts, reactions, and opinions. 😤 From the emotion in her voice to what might be happening behind the scenes, we’re breaking it all …
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🚨 The warning signs are always there—you just have to pay attention and act! ⚠️ Whether it’s loan denials ❌, credit score drops 📉, or new policies shaking things up 🏛️, now is the time to take control of your credit 💳 and protect your financial future. ⏳ Don’t wait until things get worse. Start NOW, make the necessary changes, and set yourself up f…
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Have you checked your student loan bill lately? 📄💰 If your payments suddenly went up, you’re not alone! In this episode, I’m showing real videos 🎥 of people reacting to higher student loan payments and breaking down why this is happening. If you’re feeling frustrated, confused, or just plain tired of student debt, I got you! 💡 We’ll go over: ✅ Why …
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