- Jasmine McCall sells digital kits that help people improve their credit by disputing inaccuracies.
- She needed a way to make passive income that was COVID-safe and required no overhead.
- Her digital products, which she promotes on YouTube, have earned her six figures.
- This article is part of a series focused on millennial financial empowerment called Master Your Money.
Jasmine McCall was eight months pregnant when her nine-to-five business consulting job let her know that it was cutting her pay significantly. Even though her husband was still able to cover his share of the expenses, she scrambled to figure out how she would make enough money to take care of her growing family.
“I’ve always been a fan of ‘sleep coin,'” 30-year-old McCall told Insider, “the idea of making money while you sleep.” Since her doctor prescribed bed rest late in her pregnancy, McCall was looking for a business model that required no overhead, that was COVID-safe, and “could run without me most days.”
Her original goal was to make a $1,000 per month to cover the cost of daycare, but she quickly exceeded that goal after releasing her first YouTube video in August 2021. Here’s how McCall made $100,000 in passive income in four months.
She created a digital product to help people improve their credit scores
In the past, McCall struggled with poor credit history due to unpaid medical bills. She comes from a family with six siblings, raised by a single mom, who used welfare benefits to try to make ends meet and could never afford health insurance.
At first, McCall dutifully paid the medical bills, but she soon realized that it still didn’t improve her credit score. After hours of research, she learned that collection agencies were collecting illegal fees on top of the debt she actually owed. She started writing dispute letters to credit bureaus to get the debt removed from her credit report. After filing the disputes, her creditors forgave her debt altogether, and her credit score jumped by 100 points.
McCall’s friends soon asked her to help them boost their credit, too. “For the first couple of years, I would just coach my friends on how to fix their credit scores,” she said. Eventually, so many people were asking for her help that she decided to sell a digital package with dispute letter templates people could use.
Now, she sells three digital products that help people stack wealth through a platform called GetDPD: a $7 Ultimate Resume Kit, a $27 Ultimate Credit Boost Kit, and a $37 Ultimate Homebuyer’s Kit.
She promoted her digital products on YouTube
In summer 2021, an eight-months-pregnant McCall decided to kick her digital business into high gear by promoting products on YouTube, explaining every single step of the credit report dispute process and linking her products in the video’s description.
“The YouTube algorithm liked the video,” says McCall, “and I learned that I only needed 1,000 subscribers and 4,000 minutes of watch time in order to become monetized on YouTube.” Her content is classified as educational content on YouTube, and brands like Carvana and Experian pay her to advertise related products at the beginning of her videos. …….