Carl Scaramuzza, otherwise known as Credit Carl, is with Credit Blueprint. Carl sits down with Brad Lea to talk about the difference between credit repair and credit enhancement. Here are a few highlights from their chat: If your payments are bigger than what you can afford, you don’t have a credit problem -- you have a spending problem. There’s a difference between circumstantial bad credit and habitual abusers of their credit line. The secret to becoming wealthy is leveraging a bank’s wealth. You have all the opportunity, while they take all the risk. How can you mirror Carl Scaramuzza’s credit success? Head to Creditcockyonline.com and check out his four-part course that helps position your credit in a way that can help build wealth for YOU -- not the bank.   To hear more of Carl’s tips on how to leverage that credit to build wealth, find him on Instagram @Credit.Carl. (Don’t be shy, send him a DM!) You can also follow Carl’s YouTube channel here.