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TABLE OF CONTENTS
USER AGREEMENT BEFORE ACCESS IS GRANTED
HOW TO USE THE SUPPORT CENTER TO GET QUESTIONS ANSWERED INSTANTLY
TABLE OF CONTENTS
HIGH CREDIT SECRETS V2
THE CREDIT RATING SYSTEM
GET A FREE CREDIT REPORT
DON'T OPEN TOO MANY CREDIT CARDS AT ONCE
SPECIAL CARDS & OFFERS FOR INTERNATIONAL STUDENTS
NO CREDIT OR THIN CREDIT PROFILE (N/A)
SECRET #1: UNLIMITED STORE CREDIT CARDS
SECRET #2: EASY SECURED CARDS
SECRET #3: THE PERFECT UTILIZATION RATIO
SECRET #4: PRO FORMA STATEMENTS
SECRET #5: BI-WEEKLY & DOUBLE PAYMENTS
SECRET #6: REQUEST LATE PAYMENT FORGIVENESS
SECRET #7: HOW TO HAVE UTILITIES & RENT REPORT
BAD CREDIT PROFILE (300 - 579)
SECRET #8: THE PIGGY-BACK
SECRET #9: INSTANT PRE-APPROVED CREDIT MATCHES
SECRET #10: ERASE DEROGATORY CREDIT REPORT MARKS
SECRET #11: FREE PAYMENT REMINDER APPS
SECRET #12: PURCHASE A TRADELINE INSTANTLY
SECRET #13: CO-SIGNER BACKUPS
SECRET #14: THE FINGERHUT
FAIR CREDIT PROFILE (580-669)
SECRET #15: ERASE JUDGEMENTS FROM THE RECORDS
SECRET #16: ERASE INQUIRIES FROM THE CREDIT REPORTS
SECRET #17: BUSINESS CREDIT SPILL-OVER
SECRET #18: CHASE 5/24 RULE
SECRET #19: PROGRAMS THAT PAY YOU TO SPEND
SECRET #20: CREDIT BUILDER MICRO-LOANS
SECRET #21: AVOID UTILITY DEPOSITS
GOOD CREDIT PROFILE (670-740)
SECRET #22: STOP, SPEND & ROLL
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SECRET #23: CREDIT PROFILE DIVERSIFICATION
SECRET #24: GET LOWER INTEREST RATES
SECRET #25: RE-APPLY FOR CHASE CARDS
SECRET #26: SKY-HIGH CREDIT LIMIT RAISES
SECRET #27: THE 0% APR DANCE
SECRET #28: BONUS CREDIT CARDS
EXCELLENT CREDIT PROFILE (740-799)
SECRET #29: LOWER YOUR CAR INSURANCE RATES
SECRET #30: ADD $118,282.96 TO YOUR BANK ACCOUNT
SECRET #31: PREMIUM CREDIT CARDS
SECRET #32: LOWER RATES FOR LARGER PURCHASES
SECRET #33: SLASH THE CAR LOAN APR
SECRET #34: PAY IT FORWARD WITH CASH
SECRET #35: OLD IS GOLD FOR CREDIT
PERFECT CREDIT PROFILE (800-850)
SECRET #36: CORPORATE CREDIT ACCESSIBILITY
SECRET #37: SQUEEZING EXTRA POINTS & CASH BACK
SECRET #38: BEST CARDS CURRENTLY AVAILABLE TO YOU
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CREDIT SECRETS THAT DO NOT WORK
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CASE STUDIES
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CASE STUDY #1: ZACHARY (USA)
CASE STUDY #2: JOSHUA (CANADA)
CASE STUDY #3: STEPHANIE (USA)
CASE STUDY #4: OMAAT (MEXICO & UK)
CASE STUDY #5: ABEY (AUSTRALIA)
CASE STUDY #6: MR. FRUGAL (UK)
COPYRIGHT CLAIM
HIGH CREDIT SECRETS V2
Let’s face the truth of the current situation, we live inside a financial matrix designed to make
the rich-richer and the poor-poorer. Remember, a system that gives any individual more power
than another, be it money, status or energy, will ultimately find itself in a pyramid of power typestructure.
And once a power structure has been established, it will always need more willing
participants to play within its well-designed matrix. You are now on planet Earth and have
become a player in the game – even if you regret the decision to join in all the fun.
But there is a secret to everything wealth related. The secret being that everything must
all equal ZERO when the books, both private and public, are finally balanced. The reason:
Money is Valueless and in a digital age – Non-Existent. One need not look further than the
definition of the word fiat [1] to realize the truth hidden in plain sight.
In fact, all truth is hidden in plain sight. Believe it or not, this is in fact a universal law
that even ‘evil’ must follow. The only problem is we live in the age of information-overload.
Fiat money only has value because the government maintains that value, or because
two parties in a transaction agree on its value. Because fiat money is not linked to physical
reserves, such as a national stockpile of gold or silver, it risks losing value due to inflation or
even becoming worthless in the event of hyperinflation. If people lose faith in a nation's
currency, the money will no longer hold value, virtually overnight!
This simple truth when left unrealized by the populace, as it already has, creates a
new “Dark Age of Debt” much like The Dark Ages of Serfdom that reigned in the past. In
fact, it was only when The Jesuits / Knights Templar forced King John to sign the Magna Carta
in 1215 that this dark period ended. This simple document not only restored personal liberties to
the general public, but it finally allowed any person to become a sovereign and establish a sui
juris[2] trust.
This establishment of trusts allowed the people to once again own land without fear of
seizure by the church or state, which is what created the entire class of serfs [3] during the Dark
Ages.
[1] State-issued money which is neither convertible by law to any other thing, nor fixed in value in terms of any objective standard. Intrinsically
valueless money used as money because of government decree.
[2] A Latin phrase that literally means "of one's own right" or “independent.” It is used in both civil law and canon law. Any entity with this
sacred power is considered wholly independent from its creator/grantor, so its choices cannot reflect on anything but itself.
[3] Peasants were the poorest people in the medieval era and lived primarily in the country or small villages. Serfs were the poorest of the
peasant class and were a type of slave. This slave system came about due to Diocletian implementing an estate tax on all land despite it having
no debt owed and an income tax on the workers despite having no hand in their labor. Serfdom was solidified when Emperor Constantine fully
restricted land rights in 332AD, economically forcing a large portion of society to live and work on their employer’s property in perpetuity.
Within 200 years the English world began to grow once again with the liberties only our
long-forgotten ancestors had experienced. Trusts are the path to kingship and credit is the
foundation upon which an empire is built, but usury be the downfall of all!
The extension of “trust” or “credit” to another person in the form of fiat currency has
created a system where we can become financial kings & queens all. Debt doesn’t exist, money
doesn’t exist, yet the world continues to turn. Every day we are creating something from
nothing (almost sounds “god-like”)! So long as we do not demand more than our brother or
sister can produce from our credit, known as usury, they shall live in peace and prosper.
Our knowledge comes from many sources: disgruntled elites within the power
structure, high-priced lawyers with wealthy clients, U.S. Supreme Court decisions, case law
and our own research. We base all of our decisions on one body of law, Natural Law. The
foundation of Natural Law is simple: Do No Harm To Others Nor Their Property [4].
Follow this rule, realize credit and debt is not real, all money is fiat – and one will begin
to see how the elites follow the “Golden Rule” and still rake in trillions and beyond[5] from an
unaware public. If this knowledge was known to all, the system would balance itself quickly and
after a harsh restructuring period of 3-7 years, a type of financial utopia would be entered into.
THE CREDIT RATING SYSTEM
The FICO (Fair Isaac Corporation) scoring system defines one’s ‘credit worthiness’ in
society; that scale goes from 300 to 850. The higher the score, the more credit one is allowed to
access. There are few lending institutions that will give a line of credit if a score is less than 650.
The exceptions to this are student loans and secured credit cards. Both of these can help raise
low credit scores, but only secured cards are suggested. The best credit cards do not accept
anyone until they reach a score of 720.
We will focus on all the steps that it takes to build up a strong personal credit report from
the start. Most assume more credit accounts means a higher score. The truth is quality
credit cards result in a higher score. The focus is to ONLY build credit that’ll be used.
Naturally we’ll have credit accounts that won’t be used much, but ultimately, we want to build
up each tier step-by-step until we reach the top tier.
[4] Many holy and wise books speak of the universal law, known as the Golden Rule. But only the Kabbalah speaks of the sole exception to
Karma for these corrupted realms of the Demiurge: the person who is to be harmed must be made aware in advance of the crime to be
perpetrated against them (see predictive programming) or they must do harm to themselves willingly (see cigarettes, prescription drugs or
fluoridation).
[5] Carlton was once granted viewership to Lucis Trust, a sub-trust to the trilateral Lucifer’s Light Trust, Spiritual White Boy Trust and Five Star
Trust, accounts showing holdings nearing a googleplex (a single digit followed by one-hundred zeros) with the goal of the trust(s) to usher in a
One-World Government and One-World Religion where an entity named Maitreya, most likely the antichrist, will take over the nation’s voting
rights under a sole dictatorship. Initially, this leader will release previously withheld free-energy tech bringing about a utopia before quickly
destroying the world.
IMPORTANT: If one has not cleared their personal credit report from Equifax,
TransUnion and Experian of derogatory accounts, use Debt Removal Secrets immediately. This
will raise the scores instantly once completed!
Once all derogatory accounts have been removed from the personal credit report, the
credit file may have very few or no accounts on record. This is referred to as a “thin file” in the
credit rating realm. On average, a consumer will take five years to build up their credit from a
“thin file” to an 800+ Beacon Score, but here are a couple of important secrets that make this
process so much faster. Our goal is to take the next 6 MONTHS to get into the top tier of credit.
All we ask is you dedicate 1 hour of time per week.
GET A FREE CREDIT REPORT
You can request a personal credit report for FREE once a year from Credit.com. For
personal credit, there are only 3 credit bureaus that matter – Experian, Transunion and
Equifax. Print out each report to chart future progress.
Ensure all the information like address, name, etc. are correct on all 3 reports. Call
them for corrections and send them documents they need to change the information, like a
driver’s license, utility bills or government ID. Matching profiles on all 3 credit reporting
agencies looks good to lenders.
To receive up-to-date weekly credit reports, we suggest Credit Karma. This company
performs a ‘soft inquiry’ so one can check the score regularly without lowering it like other free
programs that perform a ‘hard inquiry’.
CREDIT REPORTING AGENCIES
It’s time to get some free credit reports. The absolutely necessary reports come from the BIG 3:
Experian, Equifax and TransUnion. These reports are 100% free when ordered through the
FTC’s website for annual credit reports. There are additional bureaus and reports you can
request. If you find anything negative, freezing the account BEFORE initiating a dispute is
suggested.
NOTE: If you have Debt Removal Secrets, use that program to dispute debts with higher efficiency.
Experian Personal
Phone: +1 (888) 397-3742 | M-F 7:00 a.m. to 7:00 p.m. (CST)
Email: https://experian.com/consumer-information/cis-contact-business
Credit Form: https://consumer.ftc.gov/files/articles/pdf/pdf-0093-annual-report-request-form.pdf
Freeze Form: Experian (Personal Credit) Security Freeze
Experian Business
Phone: +1 (800) 303-1640 | M-F 8:00 a.m. - 4:00 p.m. (CST)
Support: https://smallbusiness.experian.com/pdp.aspx?pg=Help
Credit Form: (see notes on NAV)
Equifax Personal
Phone: +1 (888) 378-4329 | M-F 9:00 a.m. - 9:00 p.m. | Sat-Sun 9:00 a.m. - 6:00 p.m. (EST)
Support: cust.serv@equifax.com
Credit Form: https://consumer.ftc.gov/files/articles/pdf/pdf-0093-annual-report-request-form.pdf
Freeze Form: https://equifax.com/personal/help/place-lift-remove-security-freeze/
Equifax Business
Phone: +1 (888) 407-0359 | M-F 8:00 a.m. - 8:00 p.m. (EST)
Support: https://www.equifax.com/business/support/
Credit Form: (see notes on NAV)
TransUnion Personal
Phone: +1 (800) 916-8800 | M-F 8:00 a.m. - 11:00 p.m. (EST)
Email: https://directcontent.transunion.com/clientsupport/contactus/clientsupportform.page
Credit Form:
Freeze Form: https://www.transunion.com/credit-freeze
Small Business Support
TransUnion Business
Phone: N/A
Email: N/A
Credit Form: N/A
Instead of paying over $200 to get copies of your business credit reports from the bureaus,
for $39/mo. NAV gives you access to full business credit reports & scores from: Dun &
Bradstreet, Experian and Equifax. For $49/mo. You’ll receive all that plus your FICO® Small
Business Scoring Service (SBSS) score (The score used to prescreen SBA loans).
SUPPLEMENTARY CREDIT BUREAUS
The next biggest credit reporting agencies are as follows. They collect information from car
dealers, public records, banks, etc. and aggregate that info. to the big 3 - Experian, Equifax,
Transunion. If you’re having trouble getting approved, you may want to pull your reports from
these accounts and see if there is old information, inconsistencies, mistakes, or other errors that
might be preventing you from having a good profile.
LexisNexis Personal (merged with Sage Stream)
Phone: +1 (800) 543-6862 | 24/7/365
Email: consumer.documents@lexisnexis.com
Credit Form: https://consumer.risk.lexisnexis.com/request
Freeze Form: https://consumer.risk.lexisnexis.com/freeze
Innovis Personal
Phone: +1 (866) 873-3651 | M-F 6:00 a.m. - 5:00 p.m. (PST)
Email: info@innovis.com
Credit Form: https://innovis.com/personal/creditReport
Freeze Form: https://www.innovis.com/personal/securityFreeze
CoreLogic Personal
Phone: +1 (877) 309-5226 | M-F 6:00 a.m. - 5:00 p.m. (PST)
Email: contactus@corelogic.com
Credit Form: https://corelogic.com/teletrack-consumer-report-request.pdf
Freeze Form: https://teletrackfreeze.corelogic.com/
ARS (Advanced Resolution Services) Personal
Phone: +1 (800) 392-8911 | M-F 9:00 a.m. - 5:00 p.m. (EST)
Email: consumerhelp@ars-help.com
Credit Form: (must call to request)
Freeze Form: https://www.ars-consumeroffice.com/add
SPECIALTY CREDIT BUREAUS
The next credit reporting agencies report on special types of accounts, such as payday loans, buy
now pay later, utilities, student and car loans, internet and more. If you do not have any type of
loans covered by each credit agency, then you can skip initiating freezes with these
bureaus.
NCTUE (National Consumer Telecom & Utilities Exchange) | Reports on phone and utilities
Phone: +1 (877) 657-9006
Email: admin@nctue.com
Credit Form: Call +1 (866) 349-5185 to request a copy
Freeze Form: https://www.exchangeservicecenter.com/Freeze/
Clarity Services Inc. | Reports on installment collections, auto, student, bank and phone loans
Phone: +1 (866) 390-3118 | Mon-Fri 9am – 5pm EST
Email: https://www.clarityservices.com/support/
Credit Form: https://consumers.clarityservices.com/reports
Freeze Form: https://www.clarityservices.com/support/security-freeze/
FactorTrust | Reports on installment loan collections, auto, student, bank loans
Phone: +1 (844) 773-3321
Email: sales@factortrust.com
Credit Form: https://www.factortrust.com/consumer/ReportRequest.aspx
Freeze Form: https://www.factortrust.com/Consumer/CreditFreeze/Landing.aspx
*Having your account on a security freeze or lock can cause new credit account denials so when
you’re ready to apply for new credit - remember to unfreeze your account first.
DON'T OPEN TOO MANY CREDIT CARDS AT ONCE
It's good to have a mix of different kinds of loans and cards in your credit history. While you'll
have 5-10 credit cards at a time, a car loan, a personal loan or mortgage, don't apply for too
many cards at one time or risk denial from too many inquiries. Each time you apply for a
credit card an inquiry, either hard or soft, will go onto your credit record. Each inquiry stays for
a period of two years.
Unfortunately, too many inquiries in a short time is cause for concern to lenders.
They see your history as a “borrowing spree” and you are a client taking on too many financial
obligations at once. Don’t drop your score by applying for no more than 3 cards per month. Be
patient with adding new cards to your wallet.
SPECIAL CARDS & OFFERS FOR INTERNATIONAL STUDENTS
While Americans will often be unable to participate in any of these programs (since 2018),
they are still commonly found in Canada, Australia and the UK. So what are these special
cards and offers?
Let me ask you a question: what’s worse than paying full price only to find the same item
on sale a week later? NOTHING! That’s why some credit cards offer price protection. That
means, if you were to make a purchase and find the same product advertised at a lower price
within 60 days, the difference will be refunded, up to $500, subject to a maximum of $1,000 per
account, per year!
CANADA NOTE: Some credit cards like the Canadian Tire Card or Triangle Mastercard
let you access the Canadian Tire Financial Services. This lets you pay your municipalities and
utilities using your credit card – getting you rewards on the things that are normally out of your
credit card’s reach.
USA NOTE: Wells Fargo and Mastercard have started offering price protection cards
again to users in 2022 with even bad or no credit users being able to apply in the USA. We
suggest the MBNA Rewards World Elite Mastercard for the best price protection card available.
NO CREDIT OR THIN CREDIT PROFILE (N/A)
Almost everyone has a credit profile in today’s world. The only types of individuals who do
not have a profile would be those without a Social Security Number or teenagers who have never
held a credit or debit card in their name - in any capacity. If you have pulled your credit report
and found there is nothing on it, then you will fall into the category of “No Credit Profile.”
Simply follow the secrets in order to build your credit profile quickly.
If there are only 1-2 accounts reporting, this is considered a “Thin Credit Profile.”
This is almost the same as having no credit - which isn’t good. You will want to apply for 1-2
more credit cards before moving onto the next secrets.
Whether you have “No Credit” or “Thin Credit”, the goal is to acquire a total of 3
reporting cards and make at least (1) purchase on them. Be sure to wait until the bill is due to
pay it - ensuring that it reports to the credit bureaus.
Even if your score boosts to 720+ overnight, keep following the subsequent secrets to
strengthen your credit profile fully. These steps not only increase the score’s durability when
credit isn’t being utilized, but they will help skyrocket your score into the Excellent category
over 2-3 months!
SECRET #1: UNLIMITED STORE CREDIT CARDS
If you need to start with just (1) credit card showing on the credit file, apply for a Shopping
Cart Credit Card. This type of card is used for purchasing from a SINGLE BRAND. We like
Overstock.com and their credit card. Not only do they report to all three credit bureaus, but they
also have a wide selection of goods to purchase.
Search on YouTube “Shopping Cart
Trick for Comenity Bank” – they
have a video walkthrough to get the
Store Credit Card at Overstock.
Virtually anyone can get this credit
card, but even if Overstock denies
you there is always Home Depot,
Victoria’s Secret and 101 other Store
Credit Cards that will report to the
credit bureaus.
Call their credit department
to verify they report to the three
credit bureaus. This secret jumpstarts personal credit should
anyone have only 1 or zero accounts reporting. Remember, these credit cards are the absolute
bottom tier in regards to personal credit cards.
SECRET #2: EASY SECURED CARDS
If you are unable to get any credit cards, then secured credit cards are useful for thin credit
files and boosting really low scores (300 to 450). A secured credit card will ask the user to pay
$200 to $500 up front, acting like a debit card while reporting on your personal credit profile.
This typically boosts the credit score around 50 to 100 points, depending on the
situation. This is often the first credit card many people get to build up their personal credit
score. A secured credit card can also be gotten when someone opens up a bank account at any
major bank.
Once FICO places your credit score between 720 - 850, immediately call the banks to
turn these secured cards into unsecured credit cards. The increased score should get you a
“YES” most times, instantly boosting the ratings across the bureaus.
SECRET #3: THE PERFECT UTILIZATION RATIO
A FICO score considers each card’s credit utilization ratio. If it has a limit of $10,000 and you’re
using $5,000, then the card has a 50% utilization ratio. Most scores can be bumped up by paying
down the card with the highest utilization ratio. In other words, you don’t have to pay down the
card with the highest debt, only the highest utilization.
The perfect utilization ratio is 30%. In other words, you can max out a credit card with
a $10,000 limit; however, come your due date you’ll need to pay it down to at least $3,000 to
keep within the 30% utilization ratio.
By paying off all credit cards you can see a large credit score increase as each dollar
owed still costs you credit points regardless of ratio utilization. Therefore, pay off accounts in
full if possible. Do not pay off any accounts in collections, this will not help your credit score for
the amount of money paid. If you max out any cards, this can raise red flags as a utilization
ratio above 30% will typically hurt your credit score.
On the other end of the spectrum, creditors and lenders like to see how often you
utilize your credit card, e.g. are you spending $1000 on a $2000 card and paying it back in the
same month? If so, this is going to boost your credit even further.
Where possible, pay any bills with credit cards. Even when there is a 2-3% fee, in
the beginning stages of building credit, this extra utilization of your credit can help boost
your score higher now than it will later. Thankfully in the modern world most insurance
companies do not charge a fee to pay by credit card, therefore we suggest you pay all these bills
with credit.
SECRET #4: PRO FORMA STATEMENTS
One can tell credit card companies virtually anything on a credit card application, as long as
there isn’t a requirement to ‘sign under penalty of perjury’. But even then, one can utilize the
legal accounting practice known as pro forma[6], meaning in practice.
So long as you remain consistent when reporting on ALL credit card applications, this
information becomes public documentation. Those ‘pro forma income statements’ are then
accepted as fact, prima facie[7], and placed into the records. Again, pro forma on the document
marks it as a ‘practice document’ but it is by their assumption made real.
Credit card applications will not have instructions as to how to fill in the boxes (that’s
illegal). This is done on purpose, because they cannot give directions when asking for
‘accounting information’ on a credit card application. Accounting information is an estimate of
the past, present or FUTURE.
Did you understand that? A credit card application doesn’t say whether they are asking
for past, present or future information. In this case it is best to estimate the accounting
information in your favor as if everything were to “go perfectly according to plan.” Do you
believe you could make a million dollars in the next year? Then accounting information can
legally calculate that estimate into the end result.
[6] Regarding a financial statement; showing potential or expected income, costs, assets, or liabilities, especially in relation to some planned or
expected act or situation. Not an actual statement.
[7] Based on the first impression; accepted as correct until proved otherwise. Since 99.9% of all credit applications are automated to such a high
degree, even the most intrinsic documents will never be scrutinized beyond the numbers they show for the ingoing/outgoing totals.
SECRET #5: BI-WEEKLY & DOUBLE PAYMENTS
Did you know that paying the monthly minimum can actually break the bank for most people?
Interest was made to create lifetime debt slaves with single credit lines being extended. The
easiest way to avoid this entire mess? Pay your bills twice monthly because credit cards
charge DAILY interest on any balances carried over from previous month(s). Carrying a
balance from month to month will result in something called a Daily Periodic Rate (DPR). This
can result in incredibly long and costly minimum payment plans.
You can even do the same thing when paying a mortgage or car loan and you will reduce
a 30-year mortgage down to 23 years and a 5-year (60 mo.) car loan falls down to 4 years. And
this is despite NOT paying a penny extra outside the minimum monthly payment, only
breaking it up into 2 payments (bi-weekly). This works because it pays off the principal earlier
and cuts through the DPR interest that adds so much extra to your loan(s).
If you can pay DOUBLE the monthly minimum payments, then you would actually
turn a 9-year loan into a 1-year loan! Believe it or not, this is possible for most people when
saving money and cutting out those little monthly extras. Imagine paying off your home in 13-15
years instead of 30 grueling years.
NOTE: Take care not to use a credit card for a big bill if you plan to carry a balance for a
long period as the compound interest could create a large amount of debt quickly. Credit cards
should never be used for long-term loans unless you have 0% APR rates on such purchases.
SECRET #6: REQUEST LATE PAYMENT FORGIVENESS
Lenders, utility companies, and service providers only start reporting late payments once
it’s been 30 days PAST the due date. If you’re at or near that mark, call the company as soon
as possible and ask them if you can pay over the phone.
The company may be willing to process the payment immediately and not report the
late payment to the credit bureaus. It may help if you’ve been a customer for a while with a
previous record of on-time payments, most companies will remove a late payment without any
issues. At worst, you can request for an extension giving you time to come up with the money.
SECRET #7: HOW TO HAVE UTILITIES & RENT REPORT
Credit scores and what you can do to improve them are often a catch-22 scenario. For instance,
98% of renters do not have their rental and utility payments added to their credit history.
When in fact, this kind of payment is as valuable as a mortgage!
One of the largest (but not the fastest) boosts you can give to your credit rating and credit
history is to add utility and rent payments to it. Services like Experian Boost will do this for
free, while other services like Rental Kharma charge a fee.
You can have rental payments reporting to the credit bureaus virtually overnight,
including 24 months of your back rent. This is a great way to add a positive tradeline and
improve the ratio of your on-time payments. Believe us when we say - it’s worth the few dollars
a month it costs to get this payment history reported to the credit agencies. Keep in mind, of the
three bureaus, only Experian takes rent payments into account when calculating a score.
BAD CREDIT PROFILE (300 - 579)
Be aware that many of the “No Credit or Thin Credit Profile” secrets will help boost your
credit score, even if you have a credit profile already. Some of the best things you can use are
secured credit, store credit cards and to have utilities and rent reporting to Experian. If you want
to go fast and see a 50-100 point boost overnight - then this next secret is for you!
SECRET #8: THE PIGGY-BACK
This is the most important secret, saving years of time building credit. This secret uses
authorized user status to build a score quickly. An Authorized User allows anyone to be listed on
someone else’s credit account. This account then reports to both parties’ personal credit reports.
We suggest becoming an Authorized User on (3) accounts, with each account being at least 2
years old and has at least $5,000 limits.
You don’t need to receive the credit card or even use it to receive the credit boost. Simply
do this with people you trust. Of course, on the other hand, if they don’t pay their accounts, you
will be negatively affected as well. Therefore, work with someone who already has a great credit
history!
Upon becoming an authorized user, one will see that account show up on their personal
credit file. It’s seen as an authorized user account, but a few accounts like this make a credit
score jump instantly. This is the fastest secret to getting into “the green” with any credit profile.
With this secret the bank sees who you are and instantly begins a relationship, even
though it came through someone else. Banks are more likely to lend to existing clients, and an
authorized user is in their banking software as an existing client. Once these accounts show
up on a personal credit report, move on to the next secrets.
One student let us know that his father added him as an Authorized User to his 20 year
old card with a $30K credit limit. Since it had a perfect history, that student’s score jumped up
107 points overnight.
SECRET #9: INSTANT PRE-APPROVED CREDIT MATCHES
Go to CreditCard.com’s Card Match page daily and type in your personal information.
From there small-to-medium sized banks will find out that you want more credit by buying leads
(your info) from this website.
It is an easy way to secretly get on the list of 10-15 banks without any inquiries or
much legwork. These banks are looking to issue credit to people with your credit rating, so they
are considered pre-approvals in essence.
Different cards are always adjusting their criteria for approval. Often a credit
institution will run a promotion or have a switch in approval criteria, meaning one day can be
denied and the next approval. That’s why you must check this site every single day!
You can also go to each bank’s website and apply for ANY cards that one can get
immediately approved for. The banks rated in order of importance are:
1. Chase
2. Citi
3.
4.
5.
6.
7.
AMEX
TD Ameritrade
Schwab
Bank of America
HSBC
SECRET #10: ERASE DEROGATORY CREDIT REPORT MARKS
According to FCRA, any information that is not 100% correct and current (e.g. old names
and addresses) from a report must be deleted. Be careful here though, if one has good
tradelines associated with an old address - keep that! One can tell by when the trade line was
opened and the dates associated with the address.
Any details (phone, name, address) that are associated with negative trade lines or
public records, remove it. Typically we suggest staying off the phone and always put in a
dispute in writing. This is the only time it is okay to dispute on the phone, and only to dispute
addresses, nothing else! Say, “I do not recall that address being mine.” The address isn't yours.
Do you live there now?
There should only be ONE way to spell your name. For example, if you like to go by
John R. Smith - that’s what should be on your credit report. If you prefer John Ryan Smith - use
that. If you only go by John Smith - use that but make sure you choose ONE. The same goes for
your phone number, address, employer, etc. There should only be ONE of each of these listed on
your credit report.
If you have any documents that can help prove that you are right, you should
include those with your dispute. For instance, if you are disputing your date of birth or current
address, you should attach a copy of your driver's license or other photo ID. If you are disputing
whether you paid off a loan, attach account statements showing the balance. You should attach
any document that you think would help someone determine whether the information on the
report is inaccurate or misleading.
It is free to dispute any inaccuracies that you find in your credit report. The Federal
Credit Reporting Act gives you the right to dispute any inaccuracies in your credit reports for
free. You can send a credit dispute letter to the credit agency requesting them to verify that
all the information in a particular record is accurate. If the furnisher of that information does
not respond within 30 days of the dispute or if the credit agency cannot verify the accuracy of the
record, it will be deleted.
Disputing negative remarks in your report, once successful, will improve your credit
score overnight. You can dispute them online or by mail by going to the TransUnion dispute
page or Experian dispute page.
Use the 609 Template Letter below to send a dispute letter to the (3) credit bureaus.
Gather the following documents and make four copies of the 609 letter you’ll be sending:
1. Credit report with the account in question circled in red
2. At least (1) document for proof of identity
a. Valid driver's license, Social Security card, Pay stub, W2 form, 1099 form, Court
documents for legal name change, Birth certificate, Passport, Marriage certificate,
Divorce decree, State ID, Military ID
3. At least (1) document for proof of address
a. Valid driver's license Utility bill with the correct address (gas, water, cable,
residential phone bill), Cell phone bill, Pay stub, W2 form, 1099 form, Rental
lease agreement, House deed, Mortgage statement, Bank statement, State ID
NOTE: The Debt Removal Secrets letters and debt removal process can replace this entire
step/secret. Do not send the Debt Removal Secrets letters and this letter to creditors or collectors.
See sample letter below:
[YOUR FULL NAME]
[YOUR ADDRESS]
[CITY], [STATE] [ZIP]
RE: Fair Credit Reporting Act, Section 609
I am exercising my right under the FCRA Section 609 to request information regarding an item
listed on my consumer credit report. I have included a copy of the credit report and the account I
request be verified - it has been circled / highlighted. For further clarity, it is also written below:
● ABC Collection Agency, Account #123123123
● ABC Collection Agency, Account #789789789
As per Section 609, I am entitled to see the source of the information, which is the original
contract that contains my signature. My identifying information is as follows:
Date of Birth:
[DOB]
Social Security #:
[SOCIAL]
Birth Certificate #:
[BC]
Attorney Contact:
John Doe
+1 (800) 123-4567
(attorney not required)
For proof of identity I’ve included a copy of (circle all that apply):
* Driver's License
* Passport
* State ID
* Military ID
* Social Security Card
* Birth Certificate
* Marriage Certificate * Divorce Decree
For proof of address I’ve included a copy of (circle all that apply):
* Utility Bill
* Cell Phone Bill
* Rental Agreement
* Mortgage / Deed
* Bank Statement
* State ID
* Pay Stub
* W2 / 1099 Form
If you are unable to verify the account with the original contract, the information must be
removed by law from my credit report within 30 days. If proper verification cannot be obtained
and the information is not removed then by tacit acquiescence you accept you are in direct
violation of the FCRA resulting in a minimum civil penalty of $1000 per violation.
Sincerely,
__________________________________
DATED: _____/_____/__________
A copy of the letter will be sent to the following CRAs via Certified Mail with Return Receipt Requested
Experian
P.O. Box 4500
Allen, TX 75013
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000
Equifax
P.O. Box 740256
Atlanta, GA 30374-0256
SECRET #11: FREE PAYMENT REMINDER APPS
The number one killer of credit scores is delinquent and late payments. Anything that you
can do to help remind you to make your payments on time is recommended. Setting up a
reminder on your calendar to pop up a few days before your bill is due can help you make your
payments on time. There are also a number of great apps you can download that are
specifically designed to be a bill reminder.
If you think skipping this step is “OK” because you have auto-payments, trust us when
we say that you still want to make sure those payments are going through without issue
each month. There have been mix-ups both by users and the banks which result in untimely
payments, and thus a lowering of credit scores.
SECRET #12: PURCHASE A TRADELINE INSTANTLY
If you cannot find someone to make you an authorized user (Piggy-Back) on their credit card
account, you can always purchase a tradeline. You get to choose the credit limit and the
number of years the card has been active without having to worry if the card owner is going to
max it out.
This is how you improve your credit score by 50 to 100 points in less than 90 days. In
fact, we suggest you purchase 2-3 authorized user tradelines if you cannot Piggy-Back from
another 720+ person in your life. We recommend getting your tradeline(s) from Tradeline
Supply Company.
SECRET #13: CO-SIGNER BACKUPS
A great way to improve your credit score is to obtain a new credit card because it will increase
your revolving credit available. However, sometimes you won’t qualify on your own and will
need to get a family member or friend to co-sign on the account. A co-signer is not as sexy as
being an Authorized User on another person’s card. Instead, it is a secondary person promising
to pay any debts on the account in the event that you are unable to.
There are still many credit cards that will offer you a credit card with a co-signer.
The main three lenders offering credit cards with a cosigner are: U.S. Bank, Wells Fargo, Bank
of America.
SECRET #14: THE FINGERHUT
Fingerhut offers credit to people with no credit, limited credit, and bad credit. They offer credit
for you to purchase products on their online store, just like a department store credit card but
their store is online. A good way to improve your credit is to increase your revolving credit
limit, especially when you have bad credit.
Fingerhut offers the same type of credit as a credit card company which is a revolving
loan. Many students report having a score of 500 - 580 and getting approved for $750 $1000 in unsecured credit instantly.
To put this in perspective, anyone applying for a “standard” unsecured credit card would
be met with denial after endless denial. Fingerhut specializes in helping with bad credit by
extending revolving store credit to you when others won’t. Be sure to check back with them
often, usually every 3-4 weeks, as they tend to increase your credit limits $200-$500 at a time.
FAIR CREDIT PROFILE (580-669)
Once there are a few positives finally reporting and some of the negative accounts have
been getting removed, you should end up with a fair credit score. Life isn’t going to be any
easier, but the ability to get a few new credit cards will help increase your credit limits for other
cards down the line. All in all, this is the grinding phase of it all. Once you get out of this
category, the sky's the limit!
SECRET #15: ERASE JUDGEMENTS FROM THE RECORDS
Students have reported that by sending a “Motion To Vacate” they have removed damaging
entries, such as judgments, from their credit files by using the following method:
1) Hire an attorney to help remove damaging entries from your credit file.
2) Ask your attorney to file a “Motion of Service of Process” for the purpose of having a
damaging judgment entry removed from your credit file. It’s a weak argument certainly,
but in this motion your attorney will argue that the process was served improperly.
Students have reported that this technique ultimately works.
3) By filing a motion of “Service of Process” you are forcing a creditor to appear in court
with an attorney to prove the initial legal process was done properly.
4) This legal maneuver works in your favor because, if the lender responsible for the
judgment (original creditor most times) has been paid, why would they even want to go
through the time and expense of showing up?
5) If you show up and the creditor doesn't, you win by default. Then you can have the
damaging judgment removed.
SECRET #16: ERASE INQUIRIES FROM THE CREDIT REPORTS
Did you know that you can actually remove inquiries, both hard and soft, from your credit
reports? In fact, companies are supposed to have your consent to pull your credit (and they
rarely do). And if they don't, then they are violating the Fair Credit Reporting Act (FCRA).
Therefore, if a company has pulled your credit and does not have your consent, then
Experian, Equifax and TransUnion must, by law, remove those inquiries from your credit
report. Always remember the burden of proof is on the person who reported the information.
When you dispute, you’re not disputing with the lender but instead going to the bureaus.
There are a number of ways one can go about removing inquiries from a credit
report. Here are the most effective ones we’ve used over the years.
METHOD #1: CALL THE BUREAUS
1. Call Experian (714) 830-7000 | Equifax (800) 525-6285 | TransUnion (800) 680-7289
2. When you get an operator, ask to be transferred to the Fraud Department.
3. When they answer, they should say something like: “This is the Fraud Department (or)
Special Services…” if they don't - ask to be transferred to the Fraud Department.
4. When you reach the Fraud Department, they'll ask for your SSN and other info. They'll
also ask for details regarding the inquiry you're asking about, such as the date. If the
account is still open they might not be able to delete the inquiry. Otherwise, using this
method they should be able to remove it within 24-72 hrs. (This is the fastest option.)
METHOD #2: MAIL THE BUREAUS
1. If you decide to utilize the mail system, you’ll need to freeze your consumer reports
beforehand: LexisNexis (800) 831-2578), ARS, CoreLogic, Innovis, Equifax, Experian
and TransUnion.
2. Use the CFPB’s sample dispute letter to dispute inquiries. Be sure NOT to include a wetink signature in the letter. Use a cursive font style to make the name appear as if it were
written. Send the letter(s) Certified Mail with Return Receipt Requested. Do not use
online dispute applications or forms as the bureaus are not required to verify
documentation under U.S. Code 623 & 611.
NOTE: Many students have said that freezing these accounts wasn’t necessary to remove
their hard and soft inquiries. We only included this info to ensure the highest levels of success.
METHOD #3: ERASE HARD INQUIRIES
When you know a hard inquiry is going to be the result of a creditor pulling your information,
find out which bureau the creditor will be pulling from. For example, a new Chase card
application pulls credit information from Experian and Equifax - then you go after those first.
When applying for a card, loan, etc. a hard inquiry shows 1-3 weeks BEFORE the
card/account itself is given to you. This is the ONLY TIME FRAME you have to remove these
inquiries. Use the call-in method above to get the hard inquiry removed with almost a 100%
success rate.
Why does this work? Because the account looks like it's not attached to anything yet
and therefore you have every legal right to remove it. In other words, if you didn’t receive a
benefit (the line of credit) then you should not receive a detriment (the hard inquiry).
1. Wait 3 days after getting approved for a credit card, loan, etc. and follow the 'Call-In'
Inquiry Removal method instructions above.
This is the best way to get unlimited credit cards while keeping your hard inquiries
to a minimum.
SECRET #17: BUSINESS CREDIT SPILL-OVER
When having trouble obtaining additional credit cards, you can open a Trust Bank Account
with a local bank like Chase. A Trust Business Account puts you in a “high-profile
customer” category much akin to having a “premium account with $250k in savings.” One can
then apply for a business credit card and co-sign with a personal guarantee and personal credit
check, adding the item to your credit reports.
These types of credit cards will often come with higher limits as they have a business
attached to them as well. While business credit cards are easy to apply for, they can still count as
inquiries on your credit report if you apply for too many in a short period of time.
SECRET #18: CHASE 5/24 RULE
Chase Bank, by far, has the most credit cards (and the best) available for any issuer of
credit. The organization also allows Trust Bank Accounts and offers Corporate Lines of Credit
for it as well, making Chase one of our favorite banks to work with. For this reason, it’s
important to get as many credit cards with Chase Bank as possible.
The following secret follows the internal rules for Chase Bank issuing a credit card
(information not made public – only discussed in Chase Conferences). In fact, each banking
system has their own internal rules and regulations but we’ve found Chase’s rules to be
extremely strict. As the saying in New York City goes, “If you can make it here – you can make
it anywhere!.”
Of all the rules there are for issuing credit to a person, the most important of those rules is
the Chase 5/24 Rule. Simply put, Chase won’t issue a credit card to anyone who has (5) or
more accounts started on their personal credit report in the last (24) months, but this DOES
NOT apply to business credit cards from any credit institution. Which is why we suggest the
Bulletproof Trust and Corporate Credit to learn how to obtain business credit card accounts and
avoid the Chase 5/24 Rule.
To begin, get a bank account with Chase. They need to know who you are and keep a
history. Immediately go into a branch (yes, in person for this one) and ask if Chase has any credit
cards that you prequalify for. Most clients have a personal credit score of ~700 after completing
Credit Secret #1. When going into a branch the 5/24 rule is simply not in play. It is just an online
rule. If one accepts the offer, then the soft pull will turn into an inquiry on the credit report, but
it’s worth it to get another Chase card.
The best credit card to start with, if qualified, is the Chase Sapphire Reserve. Yes, it has
a “high annual fee”, but the signup bonus and annual perks actually make more money back!
Chase Sapphire Reserve is secretly Chase’s top credit card product. They talk about pushing this
product in their quarterly conferences all the time. Once they give this product, soon after they
want to give ALL their other products and lines of credit.
NOTE: The business credit card to apply for if with a Trust Bank Account, would be the
Chase Ink Preferred, as it is Chase Bank’s top business credit card.
If one does not qualify for Sapphire Reserve (check in every 30 days with Chase to see if
you qualify), the next option is the Chase Freedom Credit Card. If one has the Chase Freedom,
wait 3 months and use the credit card A LOT and pay it ALL off every month. Go back into
Chase on Day 91 and see if one is pre-qualified for the Chase Sapphire Reserve.
If Chase Bank doesn’t issue a credit card (because you didn’t do Secret #1) then get a
credit card elsewhere. Thankfully, all international banks buy their credit card contact lists from
Chase, seeing what cards you qualified (or did not qualify) for and then send their offers for new
credit cards from their banking institution.
Before moving onto the next step, get as many Chase Credit Cards as possible. Should
the Chase 5/24 Rule hit, move onto other credit institutions. Virtually every other institution has
less-strict lending rules to obtain those 6th, 7th, 8th, ... credit cards.
SECRET #19: PROGRAMS THAT PAY YOU TO SPEND
The best credit cards offer you incentives to join: cash back, miles, points, welcome
bonuses, etc. And the absolute best cards come with an annual fee. Thankfully, you can
sometimes get your annual fee waived. For example, some banking packages like the Ultimate
Package from Scotiabank, offer an annual fee waiver for their credit cards. But what some
students report is that you can simply call the bank and get the annual fee waived no matter
what accounts you have. While this is not 100% successful, even having it work on 1 out of 5
cards could save you $100 to $200 for 5 minutes of phone time.
Some credit cards allow you to earn extra rewards in specific categories where you make
a lot of purchases, such as dining, groceries or gas. You’ll need to plan your expenses so you can
find where the most savings can come from.
For instance, a card may earn 1% cash back on all purchases but 3% cash back on dining,
entertainment and groceries. If you tend to spend quite a bit in these categories, then choosing
this type of card could be better than a card that earns a flat 2% back on everything.
1. What Rewards Do You Want? Credit card rewards come in a variety of flavors. The
first step is to hone in on the type of rewards you want to collect: cash back, airline miles,
points, member perks, etc.
2. Bonus Welcome Rewards. Introductory bonuses are a great way to rack up a lot of
rewards quickly. When you apply for a new credit card, you might be eligible to earn
hundreds or even thousands of dollars worth of rewards by using your card to make a
certain number of purchases within the first few months. After that period is over, your
card will earn rewards at its normal, everyday rates.
3. Is The Annual Fee Affordable? Some of the best credit cards charge annual fees.
Sometimes you just cannot avoid paying these fees, and they can run from $0 up to
$5,000 for the AMEX Black Card. Think on whether the benefits you’ll get outweigh the
annual fees. A card with a $500 annual fee may offer so many extra benefits that the
initial price is meaningless.
4. Pinpoint The Benefits. If you decide on an airline or hotel credit card, peruse its day-oftravel benefits and make sure it includes what you need. An airline credit card should
offer perks like free checked bags, priority boarding and in-flight purchase discounts.
Hotel credit cards should come with elite status (like room upgrades, bonus points on
stays and late check-out) and even free nights each year should you pay an annual fee.
Some airline and hotel cards will reimburse cardholders up to $100 once every four years
for a Global Entry application or $85 for TSA PreCheck.
SECRET #20: CREDIT BUILDER MICRO-LOANS
Credit builder micro-loans, like those offered by KikOff, allow you to make payments to a
lender that show up in your credit reports as payment history. They are secured by a deposit
you make with the lender, usually $0 to $500. These are a great choice for people with subprime
to fair credit. There is no credit check and the monthly payments can be under $20.
Most students will enjoy the new category (loans) added to their credit profile mix
because you typically do not qualify for an installment loan until further in your credit journey.
SECRET #21: AVOID UTILITY DEPOSITS
Typically between a score of 650 and 690 will be the bar set for “no deposit required.” If the
utility company requests a deposit to get new service, you may ask if they will accept a “Letter
of Guarantee” from someone who agrees to pay your bill if you don’t.
You can also avoid the deposit if you’ve already had an account with the utility
company under your spouse’s name. On the other hand, if that spouse has bad credit, they may
still not qualify. When applying under your own information, do not give your spouse’s SSN to
the utility company if they have bad credit. Having a spouse with bad credit can sometimes
trigger a deposit or letter of guarantee requirement despite your credit score being good.
GOOD CREDIT PROFILE (670-740)
In just a few short weeks or months, you’ll be up to an excellent credit score. While you still
are going to get better rates, better credit cards and increased credit limits, you’ll still have to
work at improving that score past the final goal mark.
SECRET #22: STOP, SPEND & ROLL
Eventually with so many credit cards (~7 average) it becomes about quality not quantity.
The only way to make each of these credit cards “better” is to use them! This may seem silly to
some, but it needs repeating – use the cards everywhere! There are so many cards that offer
cash-back, that it actually hurts not to use the card to pay for gas, groceries, utilities, etc.
It is suggested spending between $50 to $200 for each card. And while a minimum
payment will be ~$20, don't pay the minimum. Instead, pay all but $5, leaving a balance
(activity) on the card, and showing a good payment (activity again).
It should be noted, never allow a credit card report (the bill’s due date) with more
than 20% of its credit limit. If done, the credit score will drop and it cannot be lifted until all
cards, in total and individually, are paid off in-full for ~90 days.
The more one uses the card, the more the credit institutions profit. It’s a process
known as fractionalization and we could spend 100’s of pages on the fascinating nature of
creating money from nothing, but not here! Simply put, when one spends $1 – the bank marks $1
on its private accounting books for lendability, but they can continue that loaning process on $1
until it holds a total of $10 of debt. Meaning if you had $100 in the bank, they’ve fractionalized
it into $1,000 in lendable assets. Talk about something from nothing!
So, the more one spends – the better their rating in the credit system. Spend more,
get a higher credit score, it’s that simple! Use credit wisely – and it can be the world’s greatest
asset for growing a business and helping one’s community.
SECRET #23: CREDIT PROFILE DIVERSIFICATION
Credit cards are great for building your score higher, but at the end of the day the credit bureaus
also want to see different types of loans that you are paying back - not just revolving credit
lines. That’s where diversification comes in. Without having a few tradelines or a micro-loan on
your credit report, you’ll ultimately find that you cannot reach the 800 very easily.
We often see a mix of 2-3 store cards, 5-7 revolving credit cards and 1 micro-loan
before a student is able to achieve the highest tier of credit for themselves. The mix of credit
you have is only 10% of the FICO score, but often it is that little bit that will bump you up from
good credit to excellent credit.
On the other hand, if you’re refinancing your mortgage, or something big, don’t use
this strategy. This is something to keep in mind for a long-term approach.
SECRET #24: GET LOWER INTEREST RATES
Once you’ve reached ~680 in your credit score, it’s time to
call up every credit issuer that has approved you and request
lower interest rates.
Believe it or not, lowering your interest rate can
save an average of $2,000 per year for the average person!
And even when denied for these reductions, be sure to ask
what qualifies you to receive that discount in the future. The
representative will often search and let you know what these
minimums are, so that you can better meet their demands.
Often the request is as simple as calling in and reminding the customer service
representative that you’ve been a responsible cardholder since starting this relationship and then
asking if they’d be willing to reward your loyalty with a lower interest rate. Once you get
the lower rate, you’ll be able to pay down the balance faster and decrease your utilization ratio.
SECRET #25: RE-APPLY FOR CHASE CARDS
If this doesn’t seem like a secret - you are right! It’s because we’re validating how important it
is to apply for Chase credit cards before any other cards. Do not start applying for other
premium revolving credit cards or you’ll risk missing out on the greatest Chase cards this bank
has to offer.
By going to a physical Chase bank branch with an appointment, you can have an
agent do multiple soft inquiries to see if you will qualify for each card. These soft inquiries
only occur when you physically visit a Chase bank branch.
When applying online a hard inquiry will hit your reports for each request.
Whenever you get denied for any credit card, ask a bank representative what the qualifications
are so you can review what needs to be done.
SECRET #26: SKY-HIGH CREDIT LIMIT RAISES
Generally, existing lines of credit can be increased by the lenders without a hard pull on your
credit. Contact your existing tradelines and request they increase your credit line.
Sometimes these tradelines will increase your credit limit without you even having
to ask. For example, FingerHut increased multiple students' credit lines $250 - $500 after
making 2 initial payments. Since FICO wants to see that your revolving credit utilization ratio is
as low as possible, the easiest way to do this is by having existing accounts and their credit limits
increased.
SECRET #27: THE 0% APR DANCE
One of the greatest things about personal credit is the oft-used promotion of 0% APR. This
means that you can max out the credit card without a requirement to pay before the APR
promotional period ends. Once the card's promotional period ends, you'll be charged interest
on any remaining balance.
NOTE: Be aware that in some cases when the promotional rate expires the credit card
company will charge back interest for the life of the account. That’s why it is so important to
read the fine print regarding these 0% APR offers!
You can use 0% APR cards to pay off other cards or debts that are hard to manage
currently. At this level of credit, you will be able to apply and qualify for at least 1 of these
cards by now. You'll typically need a credit score of at least 690 on the FICO scale to qualify
for most 0% APR credit cards. The ongoing interest rate, which is charged once a card's
promotional period ends, will also depend on your creditworthiness.
No matter what promotional deal you got on a new credit card, the rules remain the same
as far as your credit scores. The amount of money you owe still accounts for 30% of your FICO
score. If your credit utilization ratio is too high, even on a 0% APR card, your scores may suffer.
SECRET #28: BONUS CREDIT CARDS
Once a score reaches 720 (and one has maxed out the Chase 5/24 Rule) then it is time to access
Discover, MasterCard and Capital One. The easiest card to get is the Capital One Quicksilver,
next is the Discover It and finally the MasterCard Black Card.
There are always new deals as companies roll out new cards or want to enter a
marketplace so look for deals out there at this point. An example of this is the BBVA Compass
NBA Card. This is a South American bank that wanted to enter the U.S. marketplace. So, they
made it easy (for a limited time) to apply online and get instantly approved – it also gave a very
high credit limit ($20,000 from Day 1)!
BBVA Compass no longer has an easy online process BUT they are taking applications
over the phone (never be afraid to call). It’s not my suggestion to always use this lending
institution, as their economy changes, they may not be the most optimal and may not offer high
credit limits in the future.
Two good choices that will ALWAYS be good choices are NASA and the Pentagon. They
always will have giant amounts of money they have to launder and need consumers to cover that
trail. Best way to do that? Give everyone insanely high limits! These each have federal credit
unions for their employees and the general public.
When we applied for the Pentagon Federal Credit Card, PenFed, we clicked on the
option of Red-Cross charity volunteer (due to one of our Bulletproof Trusts and its interactions
with other charities, this is true). We received the NASA Credit Card with a limit of $21,000
and PenFed gave a card with $10,000.
The Walmart MasterCard has great benefits, including $100 / day in cash advance at
the checkout with that cash advance treated as a credit purchase, not a cash advance. This is the
only card that allows this currently.
We received $10,000 limits on all these cards as well: Credo, Key Bank, Coors. We
received $5,000 limits on all these cards as well: Best Buy Visa, PayPal, Wells Fargo
EXCELLENT CREDIT PROFILE (740-799)
This is where the magic happens. When everyone talks about getting amazing discounts,
special cards, cool benefits - they are talking about having 720+ credit scores. Anything past 800
is just gravy, no matter what anyone else says! All the work you’ve put into the program has
gotten you to this point. In here, you’ll find secrets that will add six-figures of wealth to your
bank account, lighten monthly payments and help your family for years to come.
SECRET #29: LOWER YOUR CAR INSURANCE RATES
With excellent credit comes excellent insurance rates. Most car insurance providers will lower
rates when you approach them with a score of 740 - 760. In fact, the difference between bad
credit and excellent credit can save you more than $1,000 PER YEAR when it comes to car
insurance.
Other ways you can save on insurance is by shopping around and comparing rates. Be sure
to ask for higher deductibles, low mileage discounts, reduce coverage amounts, buy car and
homeowner/rental insurance from the same provider. Sometimes your employer will have a group
insurance rate you can join under for a deep discount as well. Here are other ways to receive
deep discounts on your auto insurance:
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Anti-Theft Devices
College Students Away from Home
Student Drivers with Good Grades
Defensive Driving Courses
Driver’s Education Courses
Long-Time Customer
Multiple Vehicles
No Accidents in Last 3 Years
No Moving Violations in Last 3 Years
Recently GEICO has been offering a $30 / year discount when you buy a cheap $20 dash
cam from Amazon. Simply let them know if your dashcam has been installed and your insurance
rates will decrease immediately.
SECRET #30: ADD $118,282.96 TO YOUR BANK ACCOUNT
It’s true, you can add $118,282.96 to your bank account by simply increasing your credit score
by 100 additional points. In other words, this program could be the difference between taking
vacations to Hawaii and taking vacations to your backyard.
And it’s simply because you know something your neighbor doesn’t! If you only get one
thing out of this program, let it be this. If you’re like most people, the two biggest purchases
you will ever make in your life will be for your EDUCATION and your HOME, right?
Let’s talk about buying a home. Let’s say the loan amount on the home you buy is only
$250,000 and the payments are for 30 years. On the outline below you will notice that bad credit
vs great credit will save you $118,282.96!
Interest Paid on $250K 30-Year Mortgage
Credit Status
Interest Rate
Interest Paid
Bad Credit (300-669)
7.5%
$379,293.06
Great Credit (740-799)
5.5%
$261,010.10
YOU SAVE $118,282.96 TOTAL
As you can see, a $250K home with bad credit will cost you $118,282.96 extra! But
when you qualify for the lowest interest rates due to your excellent credit status - you can put all
that money back in your bank account. Don’t be like the uninformed and let this happen to you.
These are the “nitty-gritty” numbers the lenders do not take the time to talk with you
about - can you see why!? It’s just not good business for the lender/bank to inform you of
things like this when they receive an extra 1-2% commission on that extra $120K.
SECRET #31: PREMIUM CREDIT CARDS
There are three credit institutions to become a “good customer” with: Chase, Citi and
AMEX. These companies lend the most, give the best business credit lines and personal credit
cards. To have the best relationship, one should have the best credit cards, like the Chase
Sapphire Reserve, the Citi Thank-You Prestige and the AMEX Platinum.
Truthfully, AMEX is the weakest of the cards and is the priciest too. The AMEX
card is also a “Charge Card” which means one can’t carry a balance month to month. To us, that
makes them much less valuable when compared to a credit card.
However, this is about getting the highest credit limits and the all-around best treatment
from the top credit institutions, meaning all other banks will treat you great too. Since they buy
customer lists of top credit card owners from these banks (especially Chase) – they’ll want you
too.
SECRET #32: LOWER RATES FOR LARGER PURCHASES
Many students have even been able to utilize their credit score to finance large purchases,
like one student who got 0% APR financing when replacing their spouse’s wedding ring. Outside
a home, car or boat - purchases for electronics, home goods or even a new washer and dryer can
be financed with, if not 0% APR, extremely low rates when you have excellent credit.
Be sure to always ask the representative if they offer any type of financing and if you
could apply for a loan to assist with the purchase. Typically, the loan will be instantly approved
in-store for most purchases. When the loan is approved, be sure to send in a request the next
day to remove the hard inquiry from your credit report.
SECRET #33: SLASH THE CAR LOAN APR
Students have shown that there is very little paperwork involved in loans when you have a good
to excellent credit score. For example, one student only paid 1.7% on a used car loan when
the dealership normally charges 5% for those with fair credit scores. A credit score between
660 - 690 will get you a standard interest-rate car loan. Anything in between 740 - 799 will give
you the best financing available from the dealership.
Another student reported that he was able to shave an additional 0.5% off his car loan by
increasing his credit score to 740 and the dealership increased the car’s extended warranty from
100K miles to 120K miles at no cost, just for having a good credit score!
NOTE: Some lenders stretch out the repayment period on car loans and market the lower
monthly payment to make the loan more enticing. By doing this, you could end up borrowing a
higher amount than you intended and paying more in interest over the loan term because of this.
When purchasing a car, be sure to talk with the dealership’s online/digital sales
department. This department will give you the lowest price without haggling. You can still
lower the price of the vehicle further by avoiding the “etch-a-sketch windows”, anti-theft devices,
nitrogen in tires, window tinting, chrome-plated wheels, all-season floor mats, splash guards,
wheel locks, cargo trays and alarm systems.
SECRET #34: PAY IT FORWARD WITH CASH
You can pay a credit card bill with another credit card by using either a balance transfer
or cash advance, but there are pros and cons to each. To pay a credit card with another credit
card you can perform a balance transfer or a cash advance (most expensive option) .
With a cash advance, you remove money from your credit card, similar to how you
would at an ATM. It's then your responsibility to deposit that money in your bank account to pay
off your credit card. High fees and higher interest rates often accompany cash advances. Further,
it doesn't start to accrue at the end of your billing cycle, as with a standard credit card purchase.
In other words, there is no grace period with a cash advance.
With a balance transfer, you're merely transferring the balance of one card to
another. The main reason for doing so is to consolidate debt from a higher-interest card to one
with a lower interest one. Many credit card issuers have special balance transfer offers to invite
people to open cards with them.
Be cautious of balance transfer fees, though, which can sometimes be up to 5% of the
amount transferred. Transferring a balance from a card with a high APR to one with a lower
APR, lets you save money in interest by focusing on the principal payment of the card that now
holds the entire balance.
If you don't intend to stop using the first card, this option may not be right for you.
Additionally, balance transfers and cash advances aren't considered qualifying purchases by
credit card issuers, therefore they do not mark them as point-eligible purchases.
SECRET #35: OLD IS GOLD FOR CREDIT
Keep any old credit card accounts you have open and active. That's because the average age
of your credit is a key factor in determining your credit score. The longer your credit history, the
better your score. Closing old cards can have an adverse impact on your credit utilization
ratio and credit history.
Only when the credit card has a balance owed (and the account is closed) could the
account potentially be a negative mark to your score. The rule of thumb is to delete accounts
having MORE THAN debt than this formula: $25 x Age of Account in Months.
In other words, if you have a closed account with 12 months of age ($25 x 12 = $300) but
it has $500 in debt ($300 - $500 = -$200) - delete the account from the credit reports!
PERFECT CREDIT PROFILE (800-850)
It may sound like the “in club” starts at the 800 mark, but the only real benefits to be had
at this level is lower interest rates and higher credit limits than before. Fortunately, PWA
shows you the beginning steps to accessing Corporate Credit with your personal credit score
being this high. It will allow you to access credit cards in excess of $20,000 to $50,000 limits
within another 2-3 months of work.
Many students who have gotten beyond the 800+ range find the biggest benefits
from this category are that new inquiries and loans will not reduce your score and often
leave you still in the 800's. Additionally, having 1 or 2 months where the utilization gets above
30% will not drop the score more than a few points at a time.
SECRET #36: CORPORATE CREDIT ACCESSIBILITY
The establishment and the growth of a business is supported by a number of factors, of which,
finance is the most important. In order to meet the varied needs of a flourishing business, every
business is motivated towards getting loans. In the beginning, the businessmen were bound to
obtain credit against their private property, leaving a high amount of risk to one’s personal
fortune. This high-risk situation gave birth to the term “corporate credit” that has become a
buzzword in a short time.
The term corporate credit refers to an unsecured loan funded by commercial
lenders. So, there is no risk involved in losing personal assets. Even a person with a bad credit
history can obtain a corporate credit loan.
It can be very advantageous to register a business as an LLC or Corporation. This helps
the company build its own reputation and is therefore no longer judged from its owner's credit
worthiness.
The little add-ons like a physical address and a commercial telephone line make the
business come alive. Just be aware that there are a few steps to take in order to secure
business funding, such as: a state license, excellent bank ratings, a DUNS number, multiple
trade references, etc.
Most credit is used for the purchase of materials and labor, thus it is not flexible when the
businesses have distinct cash requirements. When it comes to loans over $25,000 the financial
institutes take into account the business credit and the owner(s) having a credit score of 640 or
above. In today’s realm all you need to do is set up the business and you will find even bad
personal credit cannot get in the way of obtaining corporate loans.
If you want to learn more about how to obtain $50,000 in corporate credit with NO
PERSONAL GUARANTEE then watch the free Corporate Credit workshop.
SECRET #37: SQUEEZING EXTRA POINTS & CASH BACK
When you have premium cards at this level, there are benefits galore to be had. What few
realize is that you can “game the system” to get even more rewards than most. For example,
when you have a “spend X within X months” offer you can buy gift cards at gas stations and
grocery stores to hit minimum spending requirements for welcome bonuses. Or whenever there
is an extra cash back reward under a specific category, you can purchase gift cards at select
locations to trigger these rewards.
Let’s say a credit card gets 4% cash back at the grocery store, but only 1% everywhere
else. You can purchase Amazon gift cards at the grocery store, getting 4% back while using
those gift cards on Amazon to make your normal online purchases. That means you can get 4%
off on the entire gift card rack!
SECRET #38: BEST CARDS CURRENTLY AVAILABLE TO YOU
The best cards that you can get will be listed below and updated regularly for your convenience.
Simply copy and paste any of the card names into Google and you’ll be shown the card’s latest
application page where you can fill in your information:
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All Around: Chase Freedom Unlimited
Balance Transfers: Citi Diamond Preferred Card
Best 0% APR Period: Citi Simplicity Card
Best Welcome Bonus: Chase Sapphire Preferred Card
Business Cash Back: Ink Business Cash Credit Card
Business Travel: Ink Business Preferred Credit Card
Cash Back: Citi® Double Cash Card
Luxury Perks: Chase Sapphire Reserve
Travel: American Express Gold Card & Citi Premier Card
CREDIT SECRETS THAT DO NOT WORK
Credit card ‘hackers’ are constantly coming up with ways to get as many perks as possible,
but many of their tricks don’t work and some even backfire. Getting a credit card that offers
a good rewards program is a smart idea. You spend as usual, while racking up points, miles or
cash back. That’s why you should honestly consider putting nearly every purchase you make on
a credit card.
Not only do many cards offer rewards, but you’ll get purchase protection and build credit
at the same time. But some people aren’t content with that. These ‘hackers’ are constantly
coming up with schemes to eke out as many perks as possible. It turns out, though, that some
common credit card tricks can backfire.
Tactics that may have worked in the past can backfire greatly in today's credit card
landscape. Here are a few credit card secrets that just flat-out DO NOT WORK or are at
the very least HALF-TRUTHS:
1. Canceling a card before paying the annual fee
The annual fee is always charged on Day 1 of service (since 2001)
2. Canceling and reopening a card for multiple sign-up bonuses
This used to work (pre-2012); now most credit issuers have protections in place
3. Purchasing prepaid cards with credit cards
This still works but most payment processors for rent and utilities do not accept
gift cards, please verify your intended purchase can be completed with a gift card
4. Buying items to earn rewards and then returning them
When the dollar amount gets credited back to you, the points are deducted as well
5. Sending payments to friends
Most sending services charge a 3% fee to send funds, negating any cash back
6. 15/3 Hack for making payments
Creditors only report to the bureaus once a month, further payments don’t
increase your credit score
CASE STUDIES
At the end of all our programs we like to show off a few students who have documented
their journeys for us all to see. While it’s quite difficult to really document your high credit
journey outside a before and after shot of a credit report - we have a few students who went
above and beyond to show how they were able to not only get high scores, but also some great
credit cards as well.
CASE STUDY #1: ZACHARY (USA)
Zachary has been using Corporate Credit
Secrets and High Credit Secrets for a
number of years and is our star student
when it comes to what is possible.
Through proper utilization of literally
every high credit secret for building your
personal credit score and obtaining high
limit corporate credit cards, he was able
to obtain the long-sought after “no
limits” AMEX Black Card.
Zachary has a number of other cards,
reporting a total personal credit of
$238,500.00 but felt most proud
regarding this achievement. A unique
note regarding the AMEX Black Card is that while it has no limit, AMEX will call you the first
time you spend more than their systems deem acceptable. Once this authorization is done, the card
is unlocked once again. And for those seeing the card as “free money”, remember that the account
must be paid IN FULL each month or risk closure.
CASE STUDY #2: JOSHUA (CANADA)
After seeing a friend of his recommended High
Credit Secrets on Facebook, Joshua took a dive
into the course to learn more about how he
could use personal credit to build his business.
Within 60 days Joshua was able to secure
more than 10 different store credit cards
valued at over $55K total. If that weren’t
enough, he was also able to obtain multiple
Chase, NASA and PenFed credit cards for a
total of $123K in credit!
Once these cards started reporting, he
instantly shot up to a 780 credit score. While
Joshua said he will not stop until he passes the
800 mark, he has already purchased Corporate Credit Secrets to obtain credit without a personal
guarantee attached to it.
We hope to hear more from Joshua regarding his personal credit, but we believe he’s reached
the exact plateau he wants and we’ll be seeing some reviews in the near future regarding the
corporate credit he’s been able to secure over the course of 6 months.
“Ok, so the words back in. I’ve got almost $125 thousand in credit. $123.450 to be exact. I want
to thank you so much for all the amazing information you’ve given. Thanks for all the constant
updates. And most importantly thank you for having the courage to share some of these dirty
secrets of the elites with us ‘normals’.”
CASE STUDY #3: STEPHANIE (USA)
We had a young client, Stephanie, that started with student loans and $35,000 of debt (not in
delinquency). No other accounts were reported or existed when she contacted us. She utilized this
document and “SECRET #8: PIGGY-BACK”, having her mother add her on a Chase Sapphire
Reserve. In less than 30 days this account reported, boosting her credit score to 750!
The next day she turned her personal bank account into a trust bank account. On her new
application, she filled in the application optimistically in favor of a successful online launch,
stating an income of $325,000 at eBay (Jennifer sold garage sale items online). They approved
the credit card application, and in 30 days she had 2 cards reporting.
At this point she began using the “Pre-Approval Secret” and within a month she got a pre-approval
offer for an AMEX Gold charge card. She accepted the offer, giving her 3 reporting credit cards
in 90 days. She then applied for the Chase Freedom card online and was approved with a
$19,000 credit limit (yes, you read that right)! And that’s where Stephanie’s story concludes for
now.
“I want to give a big shout out to Mark and the PWA team for helping me get through this crazy
time in my life. I feel like I finally got it back on track again. Less debt, more credit, no taxes - this
is the life!”
CASE STUDY #4: OMAAT (MEXICO & UK)
A wonderful success story is the
writer and editor for One Mile At A
Time (OMAAT) who used these same
credit secrets to apply and be
successfully approved for ALL
Chase 5/24 Cards within a short 6
month window.
Each of these cards came with
inquiries, but by using SECRET #16,
OMAAT was approved for 7
different Chase cards within a 2year period. If you didn’t know,
Chase has a rule where nobody can
apply for more than 5 cards within a 24 month period.
Nobody else would be able to do this without knowing the secrets taught inside High Credit
Secrets by PWA! Now OMAAT continues to talk more about how to use a high credit score like
you get here - with amazing cards that offer bonuses ranging from airline miles, 5% cash back,
free meals and more.
CASE STUDY #5: ABEY (AUSTRALIA)
“My basic details are: 80K Salary, 3 Revolving Cards ($62K Total), 2 Authorized User Cards, 2
Auto Loans (1 Paid Off, 1 Left), 1 Personal Loan (Paid Off). All cards have less than 10% balance.
Perfect payment history on all accounts. Just 2 years ago my credit was 540 and most of my
accounts were not particularly good.
All this to say that I’m working on closing on a mortgage (4.1% + 6% down) in a couple of weeks
here in Australia. We’re currently in escrow. Thanks to my credit score, the mortgage is going to
be $300 LESS than we’ve been paying for rent! While it won’t be our “forever home”, it’s just a
cheap 2-bed starter home. Mortgage is ~$800 total but we are planning to pay $1,500/mo as
suggested to drive the principal down quickly and get it all paid off in 7-10 years instead of 30!!!”
CASE STUDY #6: MR. FRUGAL (UK)
Only known by Mr. Frugal, he is
from the UK and shows that a whole
slew of credit cards can be gotten
no matter where you are in the
world. While most of our students are
from the USA and Canada, it’s nice to
show others that even the UK,
Australia and New Zealand work just
as well.
The selection of cards obtained range
from store and brand credit cards like
HYATT and American Airlines to
regular credit cards from bank issuers
like Citi, AMEX and Chase. In total,
there is almost $147,000 in credit
between all these cards you see. So if
you live outside the USA, this is all the proof you need that this program is going to kick butt for
you too!
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