Credit Repair Business Secrets

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/ He's loud, raw, and a true credit repair beast… Meet Steven Gomez! Steven is a credit repair pro, a content powerhouse, an AI Jedi Master, and one of the most outspoken voices in our community, always keeping it real about what it takes to succeed in this business. A 15-year Army combat veteran turned credit repair expert, Steven has spent the last five years coaching over 150 credit repair owners, all using Credit Repair Cloud. Now, he’s developing innovative tools to help credit repair professionals grow their businesses. Today, he’s here to share his journey and show you how you can win too. Let’s dive in! Key Takeaways: 00:00 Intro 01:54 Steven’s Background 05:22 Starting a Credit Repair Business 08:48 Advice for Beginners 13:48 Common Errors on Credit Reports 18:12 Getting Student Loans Off Reports 22:25 Tactics That Are Working Today 23:30 Credit Repair and AI 26:51 Guerrilla Marketing Tactics for Beginners 35:54 If Steven Started Over Again Today… 37:32 #1 Advice for New Credit Repair Business Owners 39:29 Rapid Fire Questions 43:36 Outro Additional Resources: https://app.fetchautomations.com/v2/preview/GohiWrRAc2YfQGXPN310?notrack=truehttps://www.facebook.com/Goatmezhttps://www.youtube.com/@thegoatmezmediahttps://www.youtube.com/@choppingitupwithgoatmez-13https://www.instagram.com/goatmezmedia/Get a free trial to Credit Repair CloudGet my free credit repair training How to Use FREE Content to Generate Credit Repair Leads (And Stay TRS Compliant!)Make sure to subscribe so you stay up to date with our latest episodes.

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/ He was working at a Louisiana car dealership, struggling to close deals because clients couldn’t get approved for financing. Then one day, he had an idea: what if he could help fix their credit instead? Meet Christopher Stirgus. Christopher turned his frustration into a fully automated, TSR-compliant credit repair business that skyrocketed from 5 clients to over 100 in just three months. And he did it all without cold calling, without breaking the rules, and without losing sleep over compliance. In today’s episode, you’ll hear how he used a $20K credit card to fund his launch, why affiliate partnerships became his top lead source, and how he built a system so smooth that even the credit bureaus now send letters straight to his office. Tune in! Key Takeaways: 00:00 Intro 01:29 Getting Into Credit Repair 04:45 From Zero to 100 Clients in 3 Months 08:06 Digital Marketing Tactics 09:53 Staying Compliant with TSR 11:43 Credit Repair Cloud Tools 13:22 Creating a Full Self-Service Credit Repair Business 16:53 Christopher’s Best Credit Repair Tactics 21:58 Getting Reviews & Testimonials 23:20 Credit Building Products 25:17 One Piece of Advice for Aspiring Credit Heroes 25:44 Rapid Fire Questions 27:47 Outro Additional Resources: https://stirguscreditrepair.com/Get a free trial to Credit Repair CloudGet my free credit repair training Generate Leads 24/7 with a 100% TSR-Compliant Credit Repair WebsiteMake sure to subscribe so you stay up to date with our latest episodes.

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/ She was delivering mail in freezing Illinois winters, living in Section 8 housing, and raising three kids on her own. Yet, she still managed to build a million-dollar credit repair business. Meet Lakeya Allen. Lakeya took our Credit Hero Challenge in 2020 and she never looked back. She mastered the software, got amazing results, and she is now an official member of our Millionaires Club. In just five years, she’s helped over 4,000 people fix their credit, mentored nearly 100 entrepreneurs, and built a personal brand with 130,000+ followers. Today, she’s here to share how she built her credit repair empire from scratch and how you can too, so you better stick around! Key Takeaways: 00:00 Intro 01:42 Getting the Millionaires Club Award 03:32 Lakeya’s Background 07:57 Getting Into Credit Repair 09:46 Growing a Team 14:06 Lakeya’s Best Marketing Tactics 19:56 Best Credit Repair Tips 24:30 One Piece of Advice for Aspiring Credit Heroes 25:29 Rapid Fire Questions 29:32 Outro Additional Resources: https://www.lakeyaallen.com/Get a free trial to Credit Repair CloudGet my free credit repair training How 8 Credit Repair Entrepreneurs Got Their First Clients (Real Stories)Make sure to subscribe so you stay up to date with our latest episodes.

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/ What if I told you that high sales are actually damaging your business? I just got back from my very first Credit Con, and the absolute highlight for me was when Dustin Ball took the stage and delivered a master class on sales and client retention. We were so fired up by what Dustin shared that we knew we had to share it with you as well. This is your chance to hear one of the most innovative sales strategies in the game from an absolute powerhouse in the credit repair industry. Tune in! Key Takeaways: 00:00 Intro 01:32 Dustin Ball’s Presentation at Credit Con 04:25 Focusing on Sales vs. Client Retention 16:07 Why Do Clients Leave? 24:08 Dustin’s Best Tips for Client Retention 36:26 Become a Pro CRO 46:04 Outro Additional Resources: Get a free trial to Credit Repair CloudGet my free credit repair training Andre Coakley’s Proven Strategy to Keep Credit Repair Customers Coming BackMake sure to subscribe so you stay up to date with our latest episodes.

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/ What if I told you there's a way to 10x your business—without burning out, second-guessing every move, or making expensive mistakes? That’s the power of having the right mentor. But before you trust someone with your future, there are a few things you need to know. In this episode, I break it all down: how to know if it’s the right time for a mentor, what to look for in credit repair business mentors, and how the right one can help you reach your full potential. I’m also revealing a completely free tool we built just for you, so you can get expert guidance when you need it most, without spending a dime. Tune in! 🤖 Check out our brand new FREE AI credit repair mentor: https://www.creditrepaircloud.com/mentor/ Key Takeaways: 00:00 Intro 01:05 Why You Need a Good Mentor 04:04 Do You Need a Mentor Right Now? 04:58 What to Look for in a Credit Repair Business Mentor 06:44 Your AI Mentor 12:14 My Final Point 12:45 Outro Additional Resources: Get a free trial to Credit Repair CloudGet my free credit repair training Credit Repair Business 101: A Step-by-Step Guide for 2025Make sure to subscribe so you stay up to date with our latest episodes.

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/ Are these viral credit repair tips legit or total scams? Credit repair is blowing up on social media right now, and I love that it's getting attention, but let's be real… Not all of these videos are helpful, and some could actually do more harm than good. That's why today I'm diving into some hugely viral credit videos online. I'm going to break them down, and I'm going to give you the real story, so you don't waste your time or fall for something that could wreck your credit or your business. Let’s jump right in! Key Takeaways: 00:00 Intro 02:04 Reacting to Viral Credit Repair Clips 16:54 My Final Point 17:24 Outro Additional Resources: Get a free trial to Credit Repair CloudGet my free credit repair training Credit Repair Business 101: A Step-by-Step Guide for 2025Make sure to subscribe so you stay up to date with our latest episodes.

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/ When you focus on helping people and delivering results, your business will grow. Today's guest, Leonides Valdez, the newest member of our Millionaires Club, is a perfect example of this. As the founder of National Best Credit Solutions, Leo has not only transformed the lives of countless clients, but his own as well—in just a few short years. From serving only two local clients in San Antonio, he's grown into a national brand. Through consistency, referrals, and a relentless drive to change lives, Leo has made it all the way to the Millionaires Club. Now, he's here to share his best-kept secrets with you. Tune in! Key Takeaways: 00:00 Intro 01:44 The Millionaires Club Award 02:31 Before Credit Repair 07:39 First Year in Business & Getting New Clients 13:20 Personal Growth and Business Challenges 17:24 How to Get Unstuck 18:31 Affiliates and referral partners 27:05 Credit Repair Strategies 31:13 Common Misconceptions About Credit Repair 32:07 Staying Compliant with the TSR 33:06 Improving Your Credit Score 37:21 Advice for Aspiring Credit Heroes 45:52 Utilizing Social Media 49:20 Rapid Fire 53:35 Outro Additional Resources: https://www.facebook.com/leonides.valdez.180/https://nationalbestcreditsolutions.com/Get a free trial to Credit Repair CloudGet my free credit repair training 5 Possible Reasons and How to Fix ThemMake sure to subscribe so you stay up to date with our latest episodes.

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/ Have you ever wondered why your credit score suddenly drops even when you've done nothing wrong? Well, there is one sneaky thing that always causes this: hard inquiries! An inquiry is when a lender requests your credit history from one of the credit bureaus. It could be for a mortgage, a car loan, a credit card, or even when applying for a job or an apartment. Inquiries are divided into soft and hard, depending on their impact and purpose. Anytime a creditor checks your credit report as part of a decision-making process, it's usually a hard inquiry. Hard inquiries can drop your credit score by as much as 10% and stay on your credit report for two years! But here's the good news. Today, I'm going to show you a live demo of the fastest, most efficient way to erase these nasty little inquiries from your credit report using the software trusted by thousands of successful credit repair businesses. Plus, I'm going to reveal a $1,000 mistake you're probably making right now without even knowing it, so you better stick around! Key Takeaways: 00:00 Intro 01:58 What Is an Inquiry? 04:32 Step-by-Step Guide to Removing Hard Inquiries 13:44 Get Paid for Unauthorized Inquiries 16:05 Special Hack to Speed Up the Process 17:15 My Final Point 17:44 Outro Additional Resources: Get a free trial to Credit Repair CloudGet my free credit repair training Credit Report 101: A Beginner's Guide to Reading & Disputing!Make sure to subscribe so you stay up to date with our latest episodes.

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/ Imagine turning your passion for helping others into a million-dollar business… That’s precisely what this week’s guest, Alicia Ault, accomplished! Before diving into credit repair, Alicia worked in the mortgage industry and was shocked by how many people were denied home loans without a clear explanation. Taking matters into her own hands, she began helping people for free. It wasn’t until two years later that she started charging for her services. Now, she’s a proud member of our Millionaires Club and the founder of Level Up Score, an automated credit action plan software. In this insightful interview, Alicia shares her credit repair journey, reveals her endless lead source, and drops some exclusive updates about Level Up Score. You don’t want to miss this! Let’s dive in. Key Takeaways: 00:00 Intro 02:12 Making a Million By Helping People 02:58 Life Before Credit Repair 04:48 Building a Credit Repair Business 07:33 Growing While Staying Compliant with TSR 11:34 From Expert to Entrepreneur 14:46 Advice for Aspiring Credit Heroes 17:10 Working with Loan Officers 21:24 Level Up Score Software 27:29 How Alicia Markets Her Business Without Ads 31:43 Best Credit Repair Strategies 43:30 One Piece of Advice for Aspiring Credit Heroes 44:03 Rapid Fire 45:44 Outro Additional Resources: https://www.levelupscore.com/Get a free trial to Credit Repair CloudGet my free credit repair training Can You Create a Successful Credit Repair Business Just by Building Relationships? - Alicia AultMake sure to subscribe so you stay up to date with our latest episodes.

Start your very own Credit Repair business - Learn how by joining our FREE 5-day challenge: http://startrepairingcredit.com/ What if I told you that you could make millions by changing people's lives? Well, that's exactly what today's guest, Paranda Davis, has done! Paranda, also known as The Credit Beast, is a repeat guest and new member of our Millionaires Club. In this powerful episode, Paranda shares her inspiring story of becoming a single mom who took control of her financial future. With no prior experience, she started her own credit repair business and earned $30,000 in her first month. Now, she mentors others and continues to change lives every day. Want to know the secrets that helped her build her empire? Tune in! Key Takeaways: 00:00 Intro 02:00 Getting the Millionaires Club Award 03:13 From Credit Repair to Mentoring 03:59 Paranda’s Journey Into Credit Repair 07:57 Paranda’s Marketing Strategies 10:57 Advice for Aspiring Credit Heroes 13:42 The TSR and Working with Clients 18:57 Rapid Fire 20:56 How to Reach Paranda 21:27 Outro Additional Resources: Get a free trial to Credit Repair CloudGet my free credit repair training How Paranda Davis Made $30K in the First Month of Her Credit Repair BusinessMake sure to subscribe so you stay up to date with our latest episodes.

Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/ New to credit repair? Running a business is hard, especially in the first few years when everything feels like an uphill battle. You're juggling countless tasks, figuring things out as you go, and making plenty of mistakes—but that's normal. Even the most successful entrepreneurs have stumbled along the way. The good news is, you don't have to learn everything the hard way! To help you on your journey, I’ve compiled a list of the 8 biggest mistakes new credit repair business owners make—and how to avoid them. Tune in, and don’t struggle like I did! Key Takeaways: 00:00 Intro 02:51 Mistake #1 05:16 Mistake #2 07:44 Mistake #3 08:58 Mistake #4 10:50 Mistake #5 12:25 Mistake #6 14:10 Mistake #7 15:37 Mistake #8 16:42 My Final Point 17:10 Outro Additional Resources: Get a free trial to Credit Repair CloudGet my free credit repair training 10 Steps to Build a Successful Credit Repair BusinessMake sure to subscribe so you stay up to date with our latest episodes.

Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/ Three years ago, I was sued by the CFPB. They sued me over the Telemarketing Sales Rule (TSR), and it was the most stressful period of my life. The craziest part is that we don't do telemarketing, we don't have salespeople, and our software doesn't even make calls. Yet, they alleged that we were in breach of the TSR simply because our software was being used by others who were breaking the law. After a three-year battle, we finally reached a settlement with the CFPB, and I can now talk about it to help you avoid the same nightmare! Some people think that because the CFPB is now in trouble, the TSR doesn't apply anymore, but that's dead wrong. If you're in credit repair, the TSR still applies to you. It always has, and it always will. At our VIP mastermind event, Troy Hitt, our Head of Customer Success, explained everything you need to know to protect your business. Tune in! Key Takeaways: 00:00 Intro 01:25 Do You Still Need to Follow the TSR? 04:10 Troy’s story 15:09 What Is TSR and How Does It Impact You? 18:04 Best Practices 28:43 My Final Point 29:27 Outro Additional Resources: Get a free trial to Credit Repair CloudGet my free credit repair training Generate Leads 24/7 with a 100% TSR-Compliant Credit Repair WebsiteMake sure to subscribe so you stay up to date with our latest episodes.

Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/ Struggling to get your first credit repair client? Your first client is the most important one, but also the hardest to get. You don't have a track record, you don’t have any testimonials, and you’re probably doubting yourself. But trust me, we’ve all been there. Every credit hero you’ve heard of started in the exact same place with the exact same doubts. That's why today, I’m sharing the real stories of 8 successful credit heroes and how they landed their first clients! Your first client is closer than you think, so you better stick around! Key Takeaways: 00:00 Intro 01:03 We All Start at the Bottom 02:08 The First Step 03:10 How Millionaires Club Members Got Their First Clients 11:36 Outro Additional Resources: Get a free trial to Credit Repair CloudGet my free credit repair training Credit Repair Lead Generation: Got Your First Client, Now What?Make sure to subscribe so you stay up to date with our latest episodes.

Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/ BREAKING: Next-level credit repair tools are coming! We just revealed major updates about the future of Credit Repair Cloud at a private mastermind event with some of our most successful users—and now you can be part of it. Big things are coming: new features, smarter automations, and game-changing tools that will help you grow your business faster than ever. These updates are too good to keep to ourselves, and we’d love your feedback on what’s coming next because the future of Credit Repair Cloud is built for you. Tune in and let us know what you think in the comments below! Key Takeaways: 00:00 Intro 00:55 The Importance of Mastermind Events 02:44 Credit Repair Cloud Updates 13:44 Credit Hero Score Enhancements 34:42 Big Credit Repair Cloud Announcement 40:30 Outro Additional Resources: Get a free trial to Credit Repair CloudGet my free credit repair training 10 Steps to Build a Successful Credit Repair BusinessMake sure to subscribe so you stay up to date with our latest episodes.

Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/ Imagine turning credit repair into a million-dollar business at just 24 years old… Well, that’s exactly what the newest member of our Millionaires Club, Reonna Victoria, did! Reonna is the founder of Reonna Victoria Credit Consulting, the only credit consulting firm tailored specifically to millennials and young adults like her. She's helped countless clients fix their credit, achieve financial freedom, and transform their lives—all while building a million-dollar business using Credit Repair Cloud. Reonna turned her passion for credit into a highly profitable business, and today, she’s going to walk you through exactly how she did it! Tune in. Key Takeaways: 00:00 Intro 01:54 Reonna’s Background 06:06 Launching a Business at 19 10:11 Reonna’s Team 12:11 Hiring People Who Worked at Equifax 13:57 What Drives the Most Leads 15:01 How to Grow a Following on Instagram 17:41 The Right Way to Run Ads 24:13 Process for Collecting Testimonials 26:10 Affiliates and Referral Partners 29:28 Making a Million Dollars in Credit Repair 30:28 Credit Repair Cloud 31:52 Bankruptcy Isn’t Your Only Option! 33:01 Advice for Aspiring Credit Heroes 34:02 Rapid Fire Questions 36:26 Outro Additional Resources: https://www.instagram.com/reonnathecreditqueen/https://www.instagram.com/doitlikere/https://reonnavictoria.com/Get a free trial to Credit Repair CloudGet my free credit repair training 10 Steps to Build a Successful Credit Repair BusinessMake sure to subscribe so you stay up to date with our latest episodes.

Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/ Running a credit repair business can be super chaotic and stressful. Luckily, in the age of high tech, there are some incredibly powerful tools available to take your business to the next level. On today's podcast, I'm going to tell you about the top 10 tools and software that every credit repair business needs to succeed. Remember, using software tools isn't just about saving time. It's about building a business that works for you so that you can change even more lives. Let’s dive right in! Key Takeaways: 00:00 Intro 01:01 You Don’t Have to Do Everything Yourself 03:25 Top 10 Tools and Software You Need 11:52 The #1 Software Every Credit Hero Needs 14:04 My Final Point 14:33 Outro Additional Resources: Get a free trial to Credit Repair CloudGet my free credit repair training MILLIONAIRES Club: Amber Jones - From PRO Basketball to a Credit Repair PRO | How to Make a $MILLIONMake sure to subscribe so you stay up to date with our latest episodes.

Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/ Imagine going from rock bottom to making a million dollars in just 2 years… Well, that’s exactly what today’s guest did! I’m super excited to welcome back a new member of our Millionaires Club, Patrice English! Patrice is an absolute powerhouse in the credit repair world. She’s built a successful credit repair business currently serving over 2,000 clients and earned over $100,000 in Credit Hero Score affiliate commissions. But Patrice isn’t just a Credit Hero. She’s also a master of social media marketing and entrepreneurship! In our interview, she shares her top secrets, from building a massive social media following to automating her business, so don’t miss out. P.S. You can check out our previous interview here: https://www.youtube.com/watch?v=n0lsvgS9R3I&t Key Takeaways: 00:00:00 Intro 00:03:39 The Impact of Scaling a Business Quickly 00:07:32 Letting Go and Trusting Your Team 00:10:28 Offering Business Funding to Credit Repair Clients 00:15:19 Earning a Million Dollars with Credit Repair 00:16:48 The Role of Credit Repair Cloud 00:18:20 Advice for Aspiring Credit Heroes 00:20:48 Patrice’s Winning Lead Gen Strategy 00:23:21 Tips for Building and Leveraging Social Media 00:38:10 Automating Your Business 00:42:46 Affiliate Marketing and Credit Hero Score 00:50:01 The Importance of Credit Monitoring 00:58:11 Minimizing Chargebacks 00:59:27 Biggest Challenge of the Last Year 01:02:55 Being in a War Against Yourself 01:06:43 Rapid Fire 01:09:28 Outro Additional Resources: https://informedconsultant.com/https://www.facebook.com/informedconsultant/https://www.tiktok.com/@iampatriceenglishGet a free trial to Credit Repair CloudGet my free credit repair training How Patrice English Made Half a Million Dollars in 1 Year Repairing CreditMake sure to subscribe so you stay up to date with our latest episodes.

Join Our FREE Start Repairing Credit Challenge! Ever wondered how credit repair can make you a millionaire? Well, you're about to hear a real success story! Meet Larry Mahaffey, founder of Rewarding Solutions, who recently became a credit repair millionaire. Like many of us, Larry didn't get into credit repair until he had to repair his own credit. Once he did, he repaired his wife's credit, then his friends' credit, and before he knew it, he was helping hundreds of people. But it didn’t come from nothing. Larry has consistently educated himself in both credit repair and business strategies and used his knowledge to build a credit repair empire. Now, he's here to share his winning business strategies, credit repair hacks, and marketing tips so you can follow in his footsteps! Tune in. Key Takeaways: Additional Resources: Get a free trial to Credit Repair CloudGet my free credit repair training Secrets to Making a Million Dollars in Credit Repair with Bobby RichardsonMake sure to subscribe so you stay up to date with our latest episodes.

Join Our FREE Start Repairing Credit Challenge! Is it possible that the credit bureau Experian acted illegally when it dealt with your dispute letters? The CFPB certainly thinks so, and they just sued Experian for its shady practices in handling dispute investigations! This lawsuit is a huge deal for anyone looking to dispute errors on their credit report, and today, I will explain everything you need to know about this case and how it could affect your credit score. Plus, I’ll share the 5 best ways to make your dispute letters more effective. Ready to fight back against shady credit bureaus? Tune in! P.S. Don’t forget to add THIS to your dispute letters: “In light of the recent lawsuit filed against Experian by the CFPB, I am requesting a thorough and fair investigation of the disputed information on my credit report. The lawsuit highlights concerns regarding compliance with federal consumer protection laws and the accuracy of credit reporting practices. As a consumer, I trust Experian will uphold its responsibility under the Fair Credit Reporting Act to ensure that all information reported is accurate, complete, and verifiable. If the disputed information cannot be verified as accurate after a fair investigation, I request its prompt deletion from my credit file. This request is made in good faith to ensure my credit report reflects truthful and accurate information.” Key Takeaways: 00:00 Intro 01:02 CFPB Sues Experian 03:01 Shady Credit Bureau Practices Exposed 06:59 5 Ways to Make Your Dispute Letters More Effective 11:41 AI Tool for Generating Dispute Letters 12:29 My Final Point 13:07 Outro Additional Resources: Get a free trial to Credit Repair CloudGet my free credit repair training How Credit Repair Millionaires Fight Stall LettersMake sure to subscribe so you stay up to date with our latest episodes.

Join Our FREE Start Repairing Credit Challenge! A short sale is one of the hardest things you can go through. You’re forced to sell your home for less than you owe on it, it absolutely wrecks your credit, and it makes getting approved for another loan nearly impossible. To make matters worse, a short sale can stay on your credit report for up to 7 years! But you don’t have to let a short sale define your future. With the right tips and tricks, it is possible to recover from it. That’s why today, I’m sharing 4 simple and proven steps to remove short sales from credit reports so that you can take back control of your life. The time to act is NOW, and it all starts with these 4 simple steps! Tune in. Key Takeaways: 00:00 Intro 01:01 What Is a Short Sale? 03:52 Understanding Deficiencies and the Lender’s Perspective 04:52 Why It’s Hard to Remove Short Sales 05:12 The Secret to Removing Short Sales Effectively 06:30 Step-by-Step Guide to Removing Short Sales 13:07 What to Do If This Doesn’t Work 14:26 My Final Point 15:11 Outro Additional Resources: Get a free trial to Credit Repair CloudGet my free credit repair training Credit Repair & Homeownership: How to Save Thousands of Dollars on MortgagesMake sure to subscribe so you stay up to date with our latest episodes.