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"pay a credit repair company $2,000 to fix your score" no mf i deleted $30k in collections for $0 in 90 days while you're paying scammers to mail the same 3 letters debt collectors bought your $10k balance for $300 and are betting you don't know fdcpa laws same system 1,400+ people used to flip collections into fdcpa violations and force deletions one guy had $70k in medical debt - all removed without paying a single collector credit repair companies designed their scam for scared people - they just didn't expect us to reverse-engineer debt validation better than their paralegals follow, like & comment "DELETE" and i'll send the legal playbook that makes collectors delete YOUR debt or you sue THEM

banks accidentally created an infinite money glitch and only 12 people know about it lmao they get $100k at 0% apr turn it into 1m+ points fly first class forever pay back the $100k keep $20k in free travel fuck it, i'm burning this whole thing down: here's what nobody understands about credit cards: banks lose money on smart mfs like us they make billions on idiots paying 24% apr for every 1 of us gaming the system there's 1,000 wage slaves paying minimums we're a rounding error they ignore so the loophole stays wide open here's the actual fucking play: step 1: get $100k in business credit at 0% (takes 60 days if you're not ngmi) step 2: manufacture spend this is where shit gets beautiful you're not SPENDING $100k you're CYCLING $100k watch this: buy $10k visa gift cards → earn 10k points liquidate gift cards to money orders deposit that shit pay off the card same day repeat 10x (may or may not be illegal) $100k "spent" 100k points earned $0 actual cost but that's kindergarten shit the real degenerates know about multipliers: amex gold: 4x at grocery stores buy gift cards at whole foods $10k = 40k points chase ink: 5x at office stores buy gift cards at staples $10k = 50k points stack 10 cards with bonuses $100k cycled = 500k points easy then the signup bonuses hit: amex platinum: 150k points for joining chase sapphire: 100k points capital one: 100k points 20 cards deep = 2 million points just for breathing total haul from $100k float: - manufactured points: 500k - signup bonuses: 2m - total: 2.5 million points let me translate that to english: singapore airlines first class: 100k points (worth $15k) emirates first class to dubai: 150k points (worth $8k) park hyatt tokyo: 30k/night (worth $2k) four seasons maui: 50k/night (worth $3k) that's $50-75k in luxury travel from money that wasn't even yours at zero percent interest in 90 fucking days "but hunter how do you pay it back?" lmfaoooo this is the best part month 1-12: pay minimums (10%/card) month 13: balance transfer to new card month 14-30: another 12-18 months at 0% month 31: transfer again infinite float infinite points zero dollars spent it's so stupid it shouldn't work but it does the mfs already doing this: - every influencer with a lambo (they're broke but flying first) - fortune 500 ceos (won't snitch but you know who) - saudi princes (they invented this shit) - chinese students at usc (their parents taught them) - me and my degenerate friends we run the same play we stay quiet about it because if everyone knew... game over tomorrow but here's the thing: banks literally can't stop it stopping us means killing their whole system they need transaction volume they need point program engagement they need us to exist we're parasites but necessary ones like those fish that clean sharks' teeth "wait is this ethical?" mf jpmorgan made $130 billion last year from overdraft fees alone mostly from poor people i took $50k in travel from them after they got $25 billion in taxpayer bailouts tell me who's the real criminal here real examples from last month: homie #1: - got $150k in business credit - manufactured 3m points - flew 15 family members to bali first class - total cost: $0 - his mom cried - worth it homie #2: - $80k credit line - generated 1.5m points - lived in park hyatts for 6 months straight - "working remotely" (playing blackjack) - hasn't paid for a hotel since homie #3: - $200k funding secured - 4m points generated - flies "private" (first class) monthly - posts instagram stories to flex - actually broke but nobody knows me personally: 2024 travel so far: - dubai 4x (first class emirates) - tokyo 3x (ana first class) - monaco for f1 (fuck yeah) - maldives overwater villa - antarctica (penguins are chill) money spent: $3,847 (just taxes) retail value: $185,000 i literally traveled more than i worked thanks chase lmao here's the whole fucking system: phase 1: credit acquisition - personal cards first (easy mode) - business cards second (boss mode) - 20-30 cards total minimum - $200-500k in credit or ngmi phase 2: point multiplication - grocery store runs - office depot hauls - simon mall gift cards - pay your rent with plastiq - pay taxes with cards (yes really) phase 3: the eternal cycle - manufacture $50k monthly - earn 200k points monthly - pay everything same day - repeat until death phase 4: redemption like a boss - only book first/business - transfer to airlines at peak rates - use points for flexing not economy - never pay cash for travel ever again why am i exposing this? because gatekeeping is for pussies rich kids learn this shit at prep school poor kids learn "save 10% of your paycheck" that's how generational wealth works information asymmetry is the real inequality plus honestly: banks can't stop it anyway 99% of you won't execute the 1% who do deserve to eat your competition doesn't know this exists that's literally your only advantage fucking take it the mindset shift required: stop: "debt is scary" start: "0% apr is free money you idiot" stop: "points are nice to have" start: "points are literally currency" stop: "i can't afford first class" start: "amex is buying my tickets" once you understand this: money isn't real (it's numbers on screens) credit is a game (with cheat codes) points are arbitrage (risk-free profit) banks are your sugar daddy (not your enemy) they're not your friend either just a tool like a hammer use them to build your empire or get hammered by the system your choice the move: RT, like, and reply w/ "GLITCH" n ill dm: - the exact card sequence that gets approved - manufactured spend methods that won't get you banned - point transfer partners with best ratios - which redemptions are actually worth it (must be following or ngmi) or keep flying economy like a peasant while we're drinking dom perignon at 38,000 feet on jamie dimon's credit card this is the real fucking game ps - if your guru isn't teaching you this, they're using it themselves and keeping you poor on purpose. think about that.

Flew out 23 baddies this year Miami, Dubai, Monaco, Vegas Total cost: $0 While you're sending $500 Zelle for "gas money" I'm importing models using JPMorgan's points Here's the Baddie Travel Hacking playbook that'll change your dating life: First, understand the game: She doesn't care HOW you got the ticket She cares that it's FIRST CLASS Delta One > Your personality Emirates Business > Your game Air France Premier > Your height (matters a lot i’m only 5’11 🙁) Status is everything. Points buy status. The Foundation (Takes 90 days): Month 1: Build your arsenal - Chase Sapphire Reserve (80K bonus) - Amex Platinum (150K bonus) - Capital One Venture X (100K bonus) That's 330K points = 5-6 first class flights = 5-6 baddies you can have fun with Month 2: The business expansion - Chase Ink Preferred (100K) - Amex Business Gold (90K) - US Bank Business (75K) Another 265K points We're at 595K total now Month 3: The hotel stack - Marriott Bonvoy (125K) - Hilton Honors (150K) - Hyatt Card (60K) Now you have flights AND suites Full importation infrastructure ready The Execution: Her: "I wish I could see you 🥺" You: "Check your email" Send her: - First class ticket (booked with points) - 5-star hotel (points again) - Screenshot of reservation (flex) Cost to you: $0 Cost to her mind: $8,000 Value in her eyes: Priceless She don’t care HOW MUCH YOU PAID. She cares about the experience she got. Advanced Tactics: The Multi-City Tour: Book open-jaw tickets NYC → Miami (see you) Miami → LA (drop her off) Different girl flies LA → NYC One set of points Two different baddies They never cross paths (hopefully) The Status Match Flex: Get Hilton Gold (free with Amex) Match to Marriott Gold Match to Hyatt Explorist Now every hotel: - Upgrades to suite (she's impressed) - Free breakfast (romantic) - 4pm checkout (she’s gonna need to recover from the piping) BUT Never mention it's points Let her think you're rich "I fly this route all the time" "My travel agent handles it" She tells her friends: "He flew me out first class" Not: "He used credit card points" (sounds poor) Perception = Reality some examples i’ve done Miami Import: - American First: 50K points (worth $4K) - Fontainebleau Suite: 60K points (worth $2K) - Total "value" shown: $6K - Actual cost: $42 in taxes Dubai Activation: - Emirates Business: 140K points (worth $8K) - Burj Al Arab: 180K points (worth $5K) - Shopping "allowance": 50K points → $500 gift cards - Her IG story: "Best weekend ever 🥰" Monaco Grand Prix: - Air France La Premiere: 120K points - Hotel Hermitage: 100K points - She thinks I'm an oligarch - Still texts me daily The Economics: Traditional simping: - Flights: $2-5K per trip - Hotels: $500/night - Food/activities: $1K - Total: $5-10K per baddie Point hacking: - Annual fees: $2K total - Points earned: 1M+ per year - Baddies flown: 10-15 - Cost per baddie: $130 Your competition is wiring Western Union You're printing boarding passes The Business Integration: Every business expense = more points $100K on inventory = 150K points = 3 more baddies $50K Facebook ads = 75K points = 2 more baddies Your business funds your lifestyle Your lifestyle attracts better women Better women motivate more business It's an infinite loop The Credit Score Reality: 31 cards 780 credit score $800K available credit 5% utilization The algorithm loves low utilization More cards = lower percentage Higher score = more cards More cards = more points More points = more baddies Math > Feelings The Exit Strategy: Once you teach her the game She gets her own cards Books her own flights TO YOU Uses HER points Now you're getting visited for FREE By women with good credit Who understand leverage (you can open loans in her name) Wife material The Dark Truth: Banks lose money on me - Pay $0 interest - Harvest $50K in points/year - Cost them thousands But for every me There's 1,000 simps paying 24% APR To send money to OnlyFans girls Who will never meet them I'm using their interest payments To fly out their dream girls study. Your next moves: 1. Apply for cards in correct sequence (DM for order) 2. Meet minimum spends with business expenses 3. Book that Miami flight 4. Watch her whole attitude change Stop sending Zelle to "entrepreneurs" Start sending boarding passes to baddies DM me "FLY" if you'd like to apply to the travel vault where i turn your business expenses into $500k-1M+ travel points in 6 months (must be following) (DM not comment) She's tired of broke boys anyway Time to show her the sky ✈️

getting denied for credit cards is literally my favorite thing in the world i'm dead serious last year i got denied 31 times on purpose and made $2.3m from the intelligence i gathered everyone else is terrified of rejection while i'm out here collecting denial letters like fucking pokemon cards let me explain this insane shit: okay so here's what most people don't understand about credit you actually have three completely different credit scores at three different companies - experian, equifax, and transunion and here's the fucked up part: they all have different information about you one might show you as a total deadbeat while the other two think you're warren buffett's nephew 99% of people have no fucking clue which bank checks which bureau, so they just apply randomly and pray but me? i mapped the entire banking system by getting denied on purpose lmaooo here's how this intelligence operation actually works: let's say you destroyed your experian score because you were young and stupid (missed payments, collections, your ex maxed out your cards, whatever) but your equifax is somehow clean as fuck and your transunion looks like it belongs to a responsible adult normal person: applies to random banks, gets denied, cries into their ramen me: starts a tactical denial campaign that would make the cia proud step 1: the kamikaze mission i INTENTIONALLY apply to chase sapphire reserve knowing for a fact i'm gonna get denied because i know chase pulls experian and my experian looks like a crime scene the denial letter arrives and by federal law they have to tell you exactly which bureau they pulled, what score they saw, and why they told you to fuck off boom. intelligence acquired. chase uses experian. confirmed. step 2: the surgical strike now that i know chase pulls experian and my experian is garbage, i pull up my classified spreadsheet that took three years to build banks that only pull transunion: - barclays (easy mode) - apple card (guaranteed approval) - sofi (they approve anyone) banks that only pull equifax: - wells fargo (old school idiots) - pnc (desperate for customers) - regions (who even banks there) i systematically apply to every bank that doesn't touch experian result: 85% approval rate with a credit file that should disqualify me from a library card step 3: the bureau arbitrage this is where shit gets absolutely disgusting my actual scores: - experian: 478 (looks like i declared bankruptcy twice) - equifax: 720 (squeaky clean somehow) - transunion: 690 (respectable adult vibes) same person, three completely different stories being told about me so i map out every single bank's pull pattern like i'm planning a fucking heist: amex: pulls transunion (i'm golden) discover: pulls all three (i'm cooked) apple card: transunion only (free money) navy federal: equifax focused (let's fucking go) just got approved for $300k in total credit lines while having a 478 score at one bureau because i know exactly which banks look at which scores the other players doing this: every 22 year old flexing an amex platinum, every "entrepreneur" with unlimited runway, every influencer pretending they're rich - we all run this exact same play we deny ourselves strategically to map the matrix, then exploit every single gap real example from last week that'll blow your mind: client comes to me completely destroyed: - experian: 492 (repos, charge-offs, looks like financial murder) - equifax: 685 (surprisingly decent) - transunion: 664 (not bad at all) normal path: denied everywhere, told to wait seven years my path: 1. sacrifice application to chase - denied instantly (confirms they pull experian) 2. test wells fargo - approved for $15k (they pulled equifax) 3. hit barclays - approved for $25k (transunion pull) 4. systematically avoid every bank that touches experian 5. focus everything on equifax/transunion banks final haul: $180k in approved credit lines with a 492 score on one bureau because we're playing three-dimensional chess while everyone else is playing tic-tac-toe the advanced reconnaissance tactics: before you even apply, you can run soft pull reconnaissance missions: - amex prequalify tool: secretly pulls transunion without affecting your score - capital one prequalify: pulls all three but doesn't leave a mark - discover prequalify: ghost pulls equifax only use these to scout your approval odds before going in guns blazing the data i've collected over three years: 31 strategic denials mapped out every single bank's bureau preference documented seasonal patterns identified (banks switch bureaus in q4 sometimes when they're desperate) emergency approval protocols discovered (end of month they approve everyone) this spreadsheet is worth millions and i'm about to give it to you for free the complete banking bureau matrix: always pulls experian (avoid if experian is fucked): - chase (all cards, no exceptions) - synchrony (retail store cards) - navy federal (sometimes does backup pulls) always pulls transunion (goldmine if this is clean): - barclays (all cards) - apple card (guaranteed) - sofi (desperate for users) always pulls equifax (hidden opportunities): - wells fargo (stuck in 1990) - pnc (regional bank trying to grow) - regions (barely anyone knows they exist) dual pull psychopaths (harder but not impossible): - discover (weighted toward transunion though) - bank of america (experian obsessed) - usaa (military paranoia) triple pull paranoid mfs (basically impossible): - certain credit unions (they trust nobody) - us bank sometimes (depends on mood) but here's the mindfuck: even triple pullers have preferences discover weights it: 50% transunion, 30% equifax, 20% experian if your transunion is clean, you're probably getting approved bank of america: 60% experian, 40% equifax if both are fucked, don't even try it's all fucking math and nobody teaches this why banks let this happen: they signed contracts with credit bureaus that lock them in for years switching bureaus costs millions in infrastructure they're too lazy and bureaucratic to change plus they have no idea we've reverse engineered their system they think we apply randomly like idiots they think denials discourage us they think we don't compare notes lmaooo denials are literally my roadmap to millions the mindset shift that changes everything: stop thinking: "oh god what if they deny me" start thinking: "denial equals free intelligence worth thousands" stop thinking: "my credit is ruined" start thinking: "one bureau is ruined, two are still money machines" stop thinking: "i'll apply and hope for the best" start thinking: "i'll run reconnaissance then execute with precision" you're not desperately applying for credit anymore you're running intelligence operations like a fucking spy each denial is worth $10k in data each approval is worth $50k in credit would you pay a $100 hard inquiry for $50k in credit lines? that's the actual exchange rate your competition right now: still crying about their 650 average score still applying to random banks hoping for different results still getting denied by the same banks checking the same fucked bureau still thinking the system is fair or makes sense meanwhile we're sitting on $500k in combined limits with a 492 score on one bureau because we understand the actual game the move: RT, and reply w/ "INTELLIGENCE" n ill send : - complete bank bureau pull matrix (all 147 banks mapped) - soft pull reconnaissance tactics that leave no trace - bureau freezing strategies to force different pulls - the exact denial-to-approval playbook i use (must be following or this intel self-destructs) or keep applying blind like a mf amateur, getting denied by chase for the fifth time while they keep pulling the same destroyed bureau einstein said insanity is doing the same thing and expecting different results you're either insane or you're ready to learn how this actually works denials aren't failures, they're literally treasure maps to approval start collecting them like they're worth something because they fucking are ps - that 23 year old with 20 credit cards and a g wagon? he has a 411 score on experian but knows exactly which banks to avoid. now you do too. pps - if chase denied you, apply to barclays immediately. if amex denied you, try wells fargo. if everyone denied you, you're pulling from the wrong bureau. freeze the bad one and try again. welcome to the credit intelligence agency

"it takes 7 years for bad credit to fall off your report" no mf i rebuilt a 520 score to 700+ in 43 days using legal loopholes the credit bureaus pray you never discover same system 312+ people used to delete collections, remove late payments, and add $300k+ in lifetime savings here's the actual difference: - peasants: wait 7 years and accept higher interest rates forever - operators: force bureaus to prove their data (they can't) and watch items vanish in 30 days one person went from denied apartments to approved mortgages in 67 days using FCRA compliance warfare credit bureaus make billions from your mistakes - they built a profit machine on bad scores staying bad follow, like & comment "700" and i'll send the 60-day protocol that turns certified mail into 150+ point jumps

your 620 credit score isn't a 7 year prison sentence it's a 90 day math problem and the bureaus are fucking terrible at math lmao i took my boy from 498 to 742 in 67 days using their own rules against them here's the system that makes experian cry: first let me piss you off: credit scores are made up bullshit three private companies decided your worth based on data they bought without asking using algorithms from the 1980s it's astrology for banks except this astrology controls your entire life but here's the beautiful part: they're lazy as fuck the credit bureaus process 8 billion updates monthly with like 37 unpaid interns using windows xp probably they literally cannot verify anything watch this magic trick: step 1: dispute everything not "please fix this error 🥺" but "PROVE this is mine or delete it immediately" send to all three bureaus: "i don't recognize this account provide original signed contract or remove within 30 days per fcra" 70% of the time they can't prove shit deleted just like that your collections? gone late payments? vanished that medical bill? never existed step 2: the utilization hack everyone thinks utilization is about balance wrong it's about WHEN you pay example: $1000 limit card you spend $999 every month but pay it down to $10 before statement cuts what reports: 1% utilization what happened: you used $999 do this across all cards score jumps 40-80 points in one cycle mfs really don't know this lmao step 3: authorized user exploitation your credit is fucked your mom's isn't get added to her oldest card instantly inherit 20 years of perfect history but here's the dark part: there are companies selling tradelines $150 gets you added to a stranger's amex from 1987 perfect payment history downloads to your profile boom 30-50 point increase overnight is it legal? technically yes is it ethical? who gives a fuck is it working? every single time step 4: the credit mix manipulation fico wants to see different credit types but you're broke solution: self lender: $25/month secured card: $200 deposit credit builder loan: $300 all report as different credit types all build history total cost: $525 score increase: 60-100 points roi: infinite step 5: the goodwill massacre for legit late payments email the ceo directly "dear jamie dimon, i fucked up once in 8 years please delete this late payment or i'm switching to bank of america" ceo doesn't read it but executive office does they delete it 60% of the time each deletion: 15-30 points real examples from this month: homeboy #1: - starting score: 498 - collections: 7 accounts - late payments: 23 after 90 days: - score: 712 - collections: 0 - late payments: 2 - got approved for $65k business credit homeboy #2: - starting score: 561 - bankruptcy from 2021 - repos on record after 75 days: - score: 694 - bankruptcy "disappeared" (disputed successfully) - now has 11 credit cards me personally: - had a 420 score in 2020 (see what i did there) - disputed 47 items - added 5 tradelines - manipulated utilization - current score: 792 - current credit available: $847k the shit that actually matters: payment history: 35% of score amounts owed: 30% credit length: 15% new credit: 10% credit mix: 10% notice what's not there? your income your job your savings your actual ability to pay it's literally just data points manipulate the data manipulate the score the industry secret: credit repair companies charge $2000 for this they do exactly what i just told you takes them 90 days costs them $50 in letters you're paying $1950 for someone to send emails ngmi if you pay for that the real psychological warfare: bureaus bank on you feeling shame "it's my fault" "i deserve bad credit" "i need to suffer for 7 years" fuck that wells fargo opened 3 million fake accounts bank of america illegally foreclosed on thousands chase manipulated libor rates and you feel bad about missing a best buy payment? lmaooooo wake up they're criminals with better lawyers treat them accordingly the 90 day transformation blueprint: days 1-30: - dispute every negative item - get added to 3-5 tradelines - open secured cards days 31-60: - optimize utilization - goodwill letter campaign - add credit mix accounts days 61-90: - second round disputes - pay for delete negotiations - watch score hit 700+ cost: under $1000 value: access to hundreds of thousands at 0% roi: literally infinite why i'm exposing this: because credit gatekeeping keeps people poor rich kids get added to daddy's amex at 16 start adult life with 750 scores never think about credit again poor kids get one medical bill destroyed for 7 years can't get apartment, job, or life that's the real crime your move: keep believing the "7 year" myth keep paying credit repair scammers keep accepting your "fate" or spend 90 days follow this exact blueprint join the 700 club RT, Like, and comment "SCORE" if you want: - exact dispute letter templates - ceo email database - tradeline company list - utilization calculator - goodwill letter scripts (must be following) bad credit isn't a moral failure it's a math problem and math problems have solutions your parents had bad credit their parents had bad credit you don't have to break the cycle or stay broke fuck the bureaus fuck the banks fuck anyone saying you need 7 years you need 90 days and balls welcome to the 700 club

"just wait 7 years for collections to fall off your credit report" no mf debt collectors bought your $10,000 balance for $150 and are banking on you not knowing they have ZERO proof you owe anything same legal warfare system 3,200+ people used to delete collections AND sue collectors for $1,000 per FDCPA violation here's the actual difference: - scared debtors: wait 7 years, pay $10k to "settle," accept destroyed credit - legal warriors: force proof in 30 days (they can't provide it), delete everything, collect $1,500 per violation one person had $45k in medical collections, sent one certified letter demanding original contracts collectors couldn't prove shit - all deleted in 60 days without paying a cent debt collectors designed the collection system for people who don't know FDCPA exists - they just didn't expect consumers to weaponize federal law better than their compliance departments follow, like & comment "WAR" and i'll send the FDCPA templates that turn their violations into your $1,000 paychecks

"bro i just got offered 250k from vcs for 10% equity thats great!" no mf you can get 250k at 0% apr from 3-4 banks with the right sequence... they are practically BEGGING to give you this money especially during Q4 so they can hit their quotas even better.. do it right and you can cycle these cards yearly so you will never have to use personal savings or give up equity for funding comment "INTEREST" and ill send you the exact blueprint and sequences to get up to 250k at 0% interest

"save up for that $8,000 business class flight to Dubai" no mf i flew Emirates first class for $87 in taxes while you're comparing economy ticket prices on Google Flights turned $100K in business expenses i was ALREADY paying into 1M+ points same system that got me Monaco GP ($12K trip for $90) + Burj Al Arab stays + 15 first-class flights this year banks designed reward programs for the rich - they just didn't expect broke people to reverse-engineer them better follow, like & comment "POINTS" and i'll send the underground playbook that turns your rent into round-trips

you saved up $3,000 to fly out some mid girl in economy while telling yourself you're a player i flew out 5 dubai models in emirates first class last month and it cost me exactly $0 not because i'm rich. because i understand math that you don't let me explain how to turn your business expenses into a harem marketing system that prints money: most dudes are out here sending $500 cashapps for "uber money" to girls who screenshot it and laugh in the group chat. flying them spirit airlines if they're lucky. splitting the fucking holiday inn. acting like they did something meanwhile i'm converting facebook ad spend into first class tickets here's what actually happened. i had $100k in ad spend coming up this quarter. was gonna pay it anyway, money straight to zuckerberg's pocket. instead i put it all on my amex platinum. boom, 150k points instantly plus another 150k from the signup bonus 300k amex points = 3 emirates first class tickets to dubai retail value of those tickets? $45,000 what i actually paid? nothing. zero. fuck all but i didn't fly out one girl. i flew out five when you fly one girl out, she owns you. she's doing you a favor. you're just another trick trying to impress her. but when you fly FIVE girls out? the entire dynamic flips. they're competing for your attention. they're creating content for you. they're selling you without even knowing it the psychology is fucking beautiful. these girls have never been in first class. probably never will be again. fourteen hour flight with champagne and caviar, their own private suite. they're taking 50 instagram stories before the plane even takes off and they're all tagging me girl #1 posted 52 stories from the flight alone. her 30k followers all sliding in asking who the fuck i am. girl #2 made a whole reel about the experience that hit 2.3 million views. the comments are just hundreds of dudes trying to figure out what i do by the time they landed in dubai i had 400+ dm requests here's where shit gets disgusting. they think this is a "brand trip" because i position it as a creator collaboration. technically they're right. they're creating content. i'm collaborating. the brand just happens to be me lmfao five models, seven days in dubai. they're posting from the villa, from the restaurants, from the yacht. every single post tags me. their combined reach? 4.8 million impressions. organic, authentic, impossible to buy those dudes sliding in their dms asking about me? they find my profile. see i teach funding and travel hacking. realize i'm giving away the exact system. they buy my program last dubai trip generated 42 clients at $5k each. that's $210,000 in revenue from a trip that cost me nothing. actually less than nothing because i was gonna spend that money on ads anyway you think this is about girls but you're missing the entire fucking point every expense in your business can be arbitraged. every dollar you spend can work twice. ad spend becomes points. points become experiences. experiences become content. content becomes clients. clients become more ad spend. infinite loop the girls aren't the product, they're the distribution channel and before you get all moral about it, everyone knows what this is. these aren't naive girls getting tricked. they're influencers who want content. i want marketing. we both get what we want. they fly first class to dubai, i get organic reach. capitalism at its finest the funniest shit is when they go back to dating regular dudes. guys taking them to cheesecake factory, splitting the bill, flying them southwest if they're lucky. they're comparing every experience to dubai first class i own real estate in their head forever and it didn't cost me a fucking dollar your favorite guru is doing this. every dude with a lambo is doing this. they just pretend they're above it while running the exact same game difference is i'm telling you exactly how it works q1 miami trip, 7 models, 300k points, resulted in 31 new clients q2 mykonos, 5 models, 250k points, 27 new clients q3 dubai, 5 models, 300k points, 42 new clients q4 planning maldives with 10 models, gonna break the fucking internet this isn't about flexing, it's about understanding leverage. you're trading time for money. i'm trading points for time for money for more points. every dollar does multiple jobs. every expense becomes an asset stop thinking linearly. your ad spend shouldn't just buy ads. your business expenses shouldn't just buy things. everything should compound i learned this from a 55 year old real estate developer who's been flying models to his properties since the 90s. he calls it "animated marketing material" and swears it's the only advertising that actually works he's worth $500m now so maybe the old fuck knows something anyway, keep saving up your pennies to impress one girl who doesn't even like you. keep flying coach. keep wondering why successful dudes seem to have infinite resources or realize that money isn't real, points are infinite, and everything is marketing if you're smart enough to see it the game is rigged but at least now you know the rules ps. if this triggered you, you're thinking too small. this isn't about women. it's about understanding that everything is leverage and nothing costs what you think it does. your competition doesn't know this. that's your advantage. fucking use it

"just use a 2% cashback card for everything" no mf i extracted $500k in value from credit cards over 6 years while you're getting $500/year from your Chase Freedom turned the SAME $50k spending into $127k cash + $290k in luxury travel (paid $12k actual cost) same system that gets me 10x returns on every dollar i already spend most people use one card for everything and wonder why they're broke one method got me first-class flights for $87 while competitors pay $8,000 follow, like & comment "STACK" and i'll send the complete card optimization playbook that turns your rent into round-trips

"spend 6 months pitching VCs for $125k and give up 7% equity" no mf i got $125k in 20 minutes filling out 3 forms while you're writing YC essays that get auto-rejected banks PAID ME $4,300 to borrow it at 0% interest same system 312+ founders used to launch while keeping 100% ownership one teacher stacked $150k in credit and built a $40k/m empire without a single investor meeting YC designed startup funding for Stanford grads - they just didn't expect broke founders to hack business credit better than VCs hack cap tables follow, like & comment "STACK" and i'll send the exact playbook that turns paperwork into a $125k runway

"pay a credit repair company $2,000 to fix your score" no mf i deleted $30k in collections for $0 in 90 days while you're paying scammers to mail the same 3 letters debt collectors bought your $10k balance for $300 and are betting you don't know fdcpa laws same system 1,400+ people used to flip collections into fdcpa violations and force deletions one guy had $70k in medical debt - all removed without paying a single collector credit repair companies designed their scam for scared people - they just didn't expect us to reverse-engineer debt validation better than their paralegals follow, like & comment "DELETE" and i'll send the legal playbook that makes collectors delete YOUR debt or you sue THEM

"it takes 7 years for bad credit to fall off your report" no mf i rebuilt a 520 score to 700+ in 43 days using legal loopholes the credit bureaus pray you never discover same system 312+ people used to delete collections, remove late payments, and add $300k+ in lifetime savings here's the actual difference: - peasants: wait 7 years and accept higher interest rates forever - operators: force bureaus to prove their data (they can't) and watch items vanish in 30 days one person went from denied apartments to approved mortgages in 67 days using FCRA compliance warfare credit bureaus make billions from your mistakes - they built a profit machine on bad scores staying bad follow, like & comment "700" and i'll send the 60-day protocol that turns certified mail into 150+ point jumps

"bro i just got offered 250k from vcs for 10% equity thats great!" no mf you can get 250k at 0% apr from 3-4 banks with the right sequence... they are practically BEGGING to give you this money especially during Q4 so they can hit their quotas even better.. do it right and you can cycle these cards yearly so you will never have to use personal savings or give up equity for funding comment "INTEREST" and ill send you the exact blueprint and sequences to get up to 250k at 0% interest

"save up for that $8,000 business class flight to Dubai" no mf i flew Emirates first class for $87 in taxes while you're comparing economy ticket prices on Google Flights turned $100K in business expenses i was ALREADY paying into 1M+ points same system that got me Monaco GP ($12K trip for $90) + Burj Al Arab stays + 15 first-class flights this year banks designed reward programs for the rich - they just didn't expect broke people to reverse-engineer them better follow, like & comment "POINTS" and i'll send the underground playbook that turns your rent into round-trips

banks accidentally created an infinite money glitch and only 12 people know about it lmao they get $100k at 0% apr turn it into 1m+ points fly first class forever pay back the $100k keep $20k in free travel fuck it, i'm burning this whole thing down: here's what nobody understands about credit cards: banks lose money on smart mfs like us they make billions on idiots paying 24% apr for every 1 of us gaming the system there's 1,000 wage slaves paying minimums we're a rounding error they ignore so the loophole stays wide open here's the actual fucking play: step 1: get $100k in business credit at 0% (takes 60 days if you're not ngmi) step 2: manufacture spend this is where shit gets beautiful you're not SPENDING $100k you're CYCLING $100k watch this: buy $10k visa gift cards → earn 10k points liquidate gift cards to money orders deposit that shit pay off the card same day repeat 10x (may or may not be illegal) $100k "spent" 100k points earned $0 actual cost but that's kindergarten shit the real degenerates know about multipliers: amex gold: 4x at grocery stores buy gift cards at whole foods $10k = 40k points chase ink: 5x at office stores buy gift cards at staples $10k = 50k points stack 10 cards with bonuses $100k cycled = 500k points easy then the signup bonuses hit: amex platinum: 150k points for joining chase sapphire: 100k points capital one: 100k points 20 cards deep = 2 million points just for breathing total haul from $100k float: - manufactured points: 500k - signup bonuses: 2m - total: 2.5 million points let me translate that to english: singapore airlines first class: 100k points (worth $15k) emirates first class to dubai: 150k points (worth $8k) park hyatt tokyo: 30k/night (worth $2k) four seasons maui: 50k/night (worth $3k) that's $50-75k in luxury travel from money that wasn't even yours at zero percent interest in 90 fucking days "but hunter how do you pay it back?" lmfaoooo this is the best part month 1-12: pay minimums (10%/card) month 13: balance transfer to new card month 14-30: another 12-18 months at 0% month 31: transfer again infinite float infinite points zero dollars spent it's so stupid it shouldn't work but it does the mfs already doing this: - every influencer with a lambo (they're broke but flying first) - fortune 500 ceos (won't snitch but you know who) - saudi princes (they invented this shit) - chinese students at usc (their parents taught them) - me and my degenerate friends we run the same play we stay quiet about it because if everyone knew... game over tomorrow but here's the thing: banks literally can't stop it stopping us means killing their whole system they need transaction volume they need point program engagement they need us to exist we're parasites but necessary ones like those fish that clean sharks' teeth "wait is this ethical?" mf jpmorgan made $130 billion last year from overdraft fees alone mostly from poor people i took $50k in travel from them after they got $25 billion in taxpayer bailouts tell me who's the real criminal here real examples from last month: homie #1: - got $150k in business credit - manufactured 3m points - flew 15 family members to bali first class - total cost: $0 - his mom cried - worth it homie #2: - $80k credit line - generated 1.5m points - lived in park hyatts for 6 months straight - "working remotely" (playing blackjack) - hasn't paid for a hotel since homie #3: - $200k funding secured - 4m points generated - flies "private" (first class) monthly - posts instagram stories to flex - actually broke but nobody knows me personally: 2024 travel so far: - dubai 4x (first class emirates) - tokyo 3x (ana first class) - monaco for f1 (fuck yeah) - maldives overwater villa - antarctica (penguins are chill) money spent: $3,847 (just taxes) retail value: $185,000 i literally traveled more than i worked thanks chase lmao here's the whole fucking system: phase 1: credit acquisition - personal cards first (easy mode) - business cards second (boss mode) - 20-30 cards total minimum - $200-500k in credit or ngmi phase 2: point multiplication - grocery store runs - office depot hauls - simon mall gift cards - pay your rent with plastiq - pay taxes with cards (yes really) phase 3: the eternal cycle - manufacture $50k monthly - earn 200k points monthly - pay everything same day - repeat until death phase 4: redemption like a boss - only book first/business - transfer to airlines at peak rates - use points for flexing not economy - never pay cash for travel ever again why am i exposing this? because gatekeeping is for pussies rich kids learn this shit at prep school poor kids learn "save 10% of your paycheck" that's how generational wealth works information asymmetry is the real inequality plus honestly: banks can't stop it anyway 99% of you won't execute the 1% who do deserve to eat your competition doesn't know this exists that's literally your only advantage fucking take it the mindset shift required: stop: "debt is scary" start: "0% apr is free money you idiot" stop: "points are nice to have" start: "points are literally currency" stop: "i can't afford first class" start: "amex is buying my tickets" once you understand this: money isn't real (it's numbers on screens) credit is a game (with cheat codes) points are arbitrage (risk-free profit) banks are your sugar daddy (not your enemy) they're not your friend either just a tool like a hammer use them to build your empire or get hammered by the system your choice the move: RT, like, and reply w/ "GLITCH" n ill dm: - the exact card sequence that gets approved - manufactured spend methods that won't get you banned - point transfer partners with best ratios - which redemptions are actually worth it (must be following or ngmi) or keep flying economy like a peasant while we're drinking dom perignon at 38,000 feet on jamie dimon's credit card this is the real fucking game ps - if your guru isn't teaching you this, they're using it themselves and keeping you poor on purpose. think about that.

"just use a 2% cashback card for everything" no mf i extracted $500k in value from credit cards over 6 years while you're getting $500/year from your Chase Freedom turned the SAME $50k spending into $127k cash + $290k in luxury travel (paid $12k actual cost) same system that gets me 10x returns on every dollar i already spend most people use one card for everything and wonder why they're broke one method got me first-class flights for $87 while competitors pay $8,000 follow, like & comment "STACK" and i'll send the complete card optimization playbook that turns your rent into round-trips

getting denied for credit cards is literally my favorite thing in the world i'm dead serious last year i got denied 31 times on purpose and made $2.3m from the intelligence i gathered everyone else is terrified of rejection while i'm out here collecting denial letters like fucking pokemon cards let me explain this insane shit: okay so here's what most people don't understand about credit you actually have three completely different credit scores at three different companies - experian, equifax, and transunion and here's the fucked up part: they all have different information about you one might show you as a total deadbeat while the other two think you're warren buffett's nephew 99% of people have no fucking clue which bank checks which bureau, so they just apply randomly and pray but me? i mapped the entire banking system by getting denied on purpose lmaooo here's how this intelligence operation actually works: let's say you destroyed your experian score because you were young and stupid (missed payments, collections, your ex maxed out your cards, whatever) but your equifax is somehow clean as fuck and your transunion looks like it belongs to a responsible adult normal person: applies to random banks, gets denied, cries into their ramen me: starts a tactical denial campaign that would make the cia proud step 1: the kamikaze mission i INTENTIONALLY apply to chase sapphire reserve knowing for a fact i'm gonna get denied because i know chase pulls experian and my experian looks like a crime scene the denial letter arrives and by federal law they have to tell you exactly which bureau they pulled, what score they saw, and why they told you to fuck off boom. intelligence acquired. chase uses experian. confirmed. step 2: the surgical strike now that i know chase pulls experian and my experian is garbage, i pull up my classified spreadsheet that took three years to build banks that only pull transunion: - barclays (easy mode) - apple card (guaranteed approval) - sofi (they approve anyone) banks that only pull equifax: - wells fargo (old school idiots) - pnc (desperate for customers) - regions (who even banks there) i systematically apply to every bank that doesn't touch experian result: 85% approval rate with a credit file that should disqualify me from a library card step 3: the bureau arbitrage this is where shit gets absolutely disgusting my actual scores: - experian: 478 (looks like i declared bankruptcy twice) - equifax: 720 (squeaky clean somehow) - transunion: 690 (respectable adult vibes) same person, three completely different stories being told about me so i map out every single bank's pull pattern like i'm planning a fucking heist: amex: pulls transunion (i'm golden) discover: pulls all three (i'm cooked) apple card: transunion only (free money) navy federal: equifax focused (let's fucking go) just got approved for $300k in total credit lines while having a 478 score at one bureau because i know exactly which banks look at which scores the other players doing this: every 22 year old flexing an amex platinum, every "entrepreneur" with unlimited runway, every influencer pretending they're rich - we all run this exact same play we deny ourselves strategically to map the matrix, then exploit every single gap real example from last week that'll blow your mind: client comes to me completely destroyed: - experian: 492 (repos, charge-offs, looks like financial murder) - equifax: 685 (surprisingly decent) - transunion: 664 (not bad at all) normal path: denied everywhere, told to wait seven years my path: 1. sacrifice application to chase - denied instantly (confirms they pull experian) 2. test wells fargo - approved for $15k (they pulled equifax) 3. hit barclays - approved for $25k (transunion pull) 4. systematically avoid every bank that touches experian 5. focus everything on equifax/transunion banks final haul: $180k in approved credit lines with a 492 score on one bureau because we're playing three-dimensional chess while everyone else is playing tic-tac-toe the advanced reconnaissance tactics: before you even apply, you can run soft pull reconnaissance missions: - amex prequalify tool: secretly pulls transunion without affecting your score - capital one prequalify: pulls all three but doesn't leave a mark - discover prequalify: ghost pulls equifax only use these to scout your approval odds before going in guns blazing the data i've collected over three years: 31 strategic denials mapped out every single bank's bureau preference documented seasonal patterns identified (banks switch bureaus in q4 sometimes when they're desperate) emergency approval protocols discovered (end of month they approve everyone) this spreadsheet is worth millions and i'm about to give it to you for free the complete banking bureau matrix: always pulls experian (avoid if experian is fucked): - chase (all cards, no exceptions) - synchrony (retail store cards) - navy federal (sometimes does backup pulls) always pulls transunion (goldmine if this is clean): - barclays (all cards) - apple card (guaranteed) - sofi (desperate for users) always pulls equifax (hidden opportunities): - wells fargo (stuck in 1990) - pnc (regional bank trying to grow) - regions (barely anyone knows they exist) dual pull psychopaths (harder but not impossible): - discover (weighted toward transunion though) - bank of america (experian obsessed) - usaa (military paranoia) triple pull paranoid mfs (basically impossible): - certain credit unions (they trust nobody) - us bank sometimes (depends on mood) but here's the mindfuck: even triple pullers have preferences discover weights it: 50% transunion, 30% equifax, 20% experian if your transunion is clean, you're probably getting approved bank of america: 60% experian, 40% equifax if both are fucked, don't even try it's all fucking math and nobody teaches this why banks let this happen: they signed contracts with credit bureaus that lock them in for years switching bureaus costs millions in infrastructure they're too lazy and bureaucratic to change plus they have no idea we've reverse engineered their system they think we apply randomly like idiots they think denials discourage us they think we don't compare notes lmaooo denials are literally my roadmap to millions the mindset shift that changes everything: stop thinking: "oh god what if they deny me" start thinking: "denial equals free intelligence worth thousands" stop thinking: "my credit is ruined" start thinking: "one bureau is ruined, two are still money machines" stop thinking: "i'll apply and hope for the best" start thinking: "i'll run reconnaissance then execute with precision" you're not desperately applying for credit anymore you're running intelligence operations like a fucking spy each denial is worth $10k in data each approval is worth $50k in credit would you pay a $100 hard inquiry for $50k in credit lines? that's the actual exchange rate your competition right now: still crying about their 650 average score still applying to random banks hoping for different results still getting denied by the same banks checking the same fucked bureau still thinking the system is fair or makes sense meanwhile we're sitting on $500k in combined limits with a 492 score on one bureau because we understand the actual game the move: RT, and reply w/ "INTELLIGENCE" n ill send : - complete bank bureau pull matrix (all 147 banks mapped) - soft pull reconnaissance tactics that leave no trace - bureau freezing strategies to force different pulls - the exact denial-to-approval playbook i use (must be following or this intel self-destructs) or keep applying blind like a mf amateur, getting denied by chase for the fifth time while they keep pulling the same destroyed bureau einstein said insanity is doing the same thing and expecting different results you're either insane or you're ready to learn how this actually works denials aren't failures, they're literally treasure maps to approval start collecting them like they're worth something because they fucking are ps - that 23 year old with 20 credit cards and a g wagon? he has a 411 score on experian but knows exactly which banks to avoid. now you do too. pps - if chase denied you, apply to barclays immediately. if amex denied you, try wells fargo. if everyone denied you, you're pulling from the wrong bureau. freeze the bad one and try again. welcome to the credit intelligence agency

"spend 6 months pitching VCs for $125k and give up 7% equity" no mf i got $125k in 20 minutes filling out 3 forms while you're writing YC essays that get auto-rejected banks PAID ME $4,300 to borrow it at 0% interest same system 312+ founders used to launch while keeping 100% ownership one teacher stacked $150k in credit and built a $40k/m empire without a single investor meeting YC designed startup funding for Stanford grads - they just didn't expect broke founders to hack business credit better than VCs hack cap tables follow, like & comment "STACK" and i'll send the exact playbook that turns paperwork into a $125k runway

"just wait 7 years for collections to fall off your credit report" no mf debt collectors bought your $10,000 balance for $150 and are banking on you not knowing they have ZERO proof you owe anything same legal warfare system 3,200+ people used to delete collections AND sue collectors for $1,000 per FDCPA violation here's the actual difference: - scared debtors: wait 7 years, pay $10k to "settle," accept destroyed credit - legal warriors: force proof in 30 days (they can't provide it), delete everything, collect $1,500 per violation one person had $45k in medical collections, sent one certified letter demanding original contracts collectors couldn't prove shit - all deleted in 60 days without paying a cent debt collectors designed the collection system for people who don't know FDCPA exists - they just didn't expect consumers to weaponize federal law better than their compliance departments follow, like & comment "WAR" and i'll send the FDCPA templates that turn their violations into your $1,000 paychecks

Flew out 23 baddies this year Miami, Dubai, Monaco, Vegas Total cost: $0 While you're sending $500 Zelle for "gas money" I'm importing models using JPMorgan's points Here's the Baddie Travel Hacking playbook that'll change your dating life: First, understand the game: She doesn't care HOW you got the ticket She cares that it's FIRST CLASS Delta One > Your personality Emirates Business > Your game Air France Premier > Your height (matters a lot i’m only 5’11 🙁) Status is everything. Points buy status. The Foundation (Takes 90 days): Month 1: Build your arsenal - Chase Sapphire Reserve (80K bonus) - Amex Platinum (150K bonus) - Capital One Venture X (100K bonus) That's 330K points = 5-6 first class flights = 5-6 baddies you can have fun with Month 2: The business expansion - Chase Ink Preferred (100K) - Amex Business Gold (90K) - US Bank Business (75K) Another 265K points We're at 595K total now Month 3: The hotel stack - Marriott Bonvoy (125K) - Hilton Honors (150K) - Hyatt Card (60K) Now you have flights AND suites Full importation infrastructure ready The Execution: Her: "I wish I could see you 🥺" You: "Check your email" Send her: - First class ticket (booked with points) - 5-star hotel (points again) - Screenshot of reservation (flex) Cost to you: $0 Cost to her mind: $8,000 Value in her eyes: Priceless She don’t care HOW MUCH YOU PAID. She cares about the experience she got. Advanced Tactics: The Multi-City Tour: Book open-jaw tickets NYC → Miami (see you) Miami → LA (drop her off) Different girl flies LA → NYC One set of points Two different baddies They never cross paths (hopefully) The Status Match Flex: Get Hilton Gold (free with Amex) Match to Marriott Gold Match to Hyatt Explorist Now every hotel: - Upgrades to suite (she's impressed) - Free breakfast (romantic) - 4pm checkout (she’s gonna need to recover from the piping) BUT Never mention it's points Let her think you're rich "I fly this route all the time" "My travel agent handles it" She tells her friends: "He flew me out first class" Not: "He used credit card points" (sounds poor) Perception = Reality some examples i’ve done Miami Import: - American First: 50K points (worth $4K) - Fontainebleau Suite: 60K points (worth $2K) - Total "value" shown: $6K - Actual cost: $42 in taxes Dubai Activation: - Emirates Business: 140K points (worth $8K) - Burj Al Arab: 180K points (worth $5K) - Shopping "allowance": 50K points → $500 gift cards - Her IG story: "Best weekend ever 🥰" Monaco Grand Prix: - Air France La Premiere: 120K points - Hotel Hermitage: 100K points - She thinks I'm an oligarch - Still texts me daily The Economics: Traditional simping: - Flights: $2-5K per trip - Hotels: $500/night - Food/activities: $1K - Total: $5-10K per baddie Point hacking: - Annual fees: $2K total - Points earned: 1M+ per year - Baddies flown: 10-15 - Cost per baddie: $130 Your competition is wiring Western Union You're printing boarding passes The Business Integration: Every business expense = more points $100K on inventory = 150K points = 3 more baddies $50K Facebook ads = 75K points = 2 more baddies Your business funds your lifestyle Your lifestyle attracts better women Better women motivate more business It's an infinite loop The Credit Score Reality: 31 cards 780 credit score $800K available credit 5% utilization The algorithm loves low utilization More cards = lower percentage Higher score = more cards More cards = more points More points = more baddies Math > Feelings The Exit Strategy: Once you teach her the game She gets her own cards Books her own flights TO YOU Uses HER points Now you're getting visited for FREE By women with good credit Who understand leverage (you can open loans in her name) Wife material The Dark Truth: Banks lose money on me - Pay $0 interest - Harvest $50K in points/year - Cost them thousands But for every me There's 1,000 simps paying 24% APR To send money to OnlyFans girls Who will never meet them I'm using their interest payments To fly out their dream girls study. Your next moves: 1. Apply for cards in correct sequence (DM for order) 2. Meet minimum spends with business expenses 3. Book that Miami flight 4. Watch her whole attitude change Stop sending Zelle to "entrepreneurs" Start sending boarding passes to baddies DM me "FLY" if you'd like to apply to the travel vault where i turn your business expenses into $500k-1M+ travel points in 6 months (must be following) (DM not comment) She's tired of broke boys anyway Time to show her the sky ✈️

ATTENTION: DROPPING SAUCE OA is the easiest method to go from a brokie to a chad in the next 6 months with Q4 being right around the corner Comment "SOURCE" and ill personally send you my in depth guide on how i'm going to dominate these next few months (MUST BE FOLLOWING)

you paid some youtube guru $5,000 to "fix your business credit" he sent you 3 pdfs and told you to apply for amex you got denied lmfaooo bro you didn't buy coaching you bought a google search from 2019 here's what that mf didn't tell you about bank algorithms: every "business credit guru" selling courses is teaching dead strategies "just get your dun & bradstreet number!" "establish trade lines!" "apply when you're ready!" meanwhile they're personally using the sequence i'm about to expose because if everyone knew this shit it would stop working tomorrow the truth about credit approvals: banks have a shared nervous system it's called Early Warning Services (EWS) they see everything in real-time when you apply to 3 banks randomly: - chase sees you applied - amex sees chase saw - bofa sees everyone watching - all 3 think you're desperate - DENIED DENIED DENIED your guru knows this but sold you the "apply and pray" method anyway here's how the real players move: THE GHOST CARD SEQUENCE: day 1 - 6:47am EST: hit amex business gold (they don't report for 60 days) invisible to other banks $50k approved day 3 - 2:15pm EST: hit chase ink preferred (can't see amex yet) thinks you're virgin clean $30k approved day 5 - 11:30am EST: hit capital one spark (still can't see shit) approves based on "clean" profile $40k approved day 8 - 4:45pm EST: hit bank of america (sees some activity but not all) wants to compete $35k approved $155k in 8 days zero conflicts zero red flags your guru: "build relationships first!" reality: banks are computers running excel the timing breakdown: monday morning: amex (highest approval rates) wednesday afternoon: chase (after lunch reviews) friday morning: capital one (quota pressure) next monday evening: bofa (end of day desperation) but here's the fucking nuclear part: each bank has different reporting delays: amex: 60-90 days before reporting chase: 30 days typically capital one: 45 days usually bofa: immediate (that's why they go last) local banks: never report business cards so you stack them strategically: - slow reporters first - fast reporters last - local banks as backup the "gurus" charging $5k for this? they don't even know this exists they're teaching you to: - "fix your personal credit first!" (irrelevant) - "get vendor accounts!" (useless) - "build business history!" (fake requirement) meanwhile i just gave you $155k worth of approvals in a twitter thread for free but wait, there's levels to this shit: THE MULTIPLIER METHOD: once you have those 4 cards... get an EIN for a second business repeat the sequence different business = different profile same person, double funding then get a third EIN and a fourth and a fifth 5 businesses x $155k = $775k available credit all at 0% apr all from the same human your guru: "one business at a time!" me: "why?" the protection play: use business 1 for operations business 2 for inventory business 3 for marketing business 4 for emergencies business 5 for travel/points one fails? four others keep running irs audits one? others untouched lawsuit hits one? money protected in others this is how real money moves not through "net 30 accounts" not through "trade references" through systematic exploitation of bank algorithms current stats from this method: clients funded last 30 days: 67 average approval: $147k highest approval: $340k total funded: $9.8M success rate: 94% the 6% who failed? didn't follow the sequence exactly tried to "improve" it or listened to their guru instead real example from last week: dude paid $8k for business credit program got denied everywhere came to me defeated ran the sequence: monday: amex $75k approved wednesday: chase $50k approved friday: capital one $45k approved monday: bofa $40k approved $210k in one week after his "$8k guru" got him zero the guru's response? "you weren't ready yet" lmfaooooo here's what's actually happening: these "gurus" are affiliates they get paid when you apply through their links whether you're approved or not they don't give a fuck about your funding they need you to fail so you buy the "advanced" program then the "vip" coaching then the "done for you" service it's a fucking pyramid of incompetence meanwhile the real sequence is: 1. amex (ghost period exploiter) 2. chase (velocity optimizer) 3. cap one (middle ground safety) 4. bofa (competitive FOMO) 5. local banks (relationship backup) that's it that's the whole fucking system worth more than every course combined your move: keep paying gurus for pdfs or execute what i just gave you one path costs $5k and fails one path costs $0 and funds you but honestly? most of you won't do shit you'll save this tweet never execute then wonder why you're broke that's fine less competition for those who move reply w/ "SEQUENCE" n ill send - exact urls to apply - specific answers for applications - backup sequences if denied - the 10-business multiplication method (must be following or ngmi)

you saved up $3,000 to fly out some mid girl in economy while telling yourself you're a player i flew out 5 dubai models in emirates first class last month and it cost me exactly $0 not because i'm rich. because i understand math that you don't let me explain how to turn your business expenses into a harem marketing system that prints money: most dudes are out here sending $500 cashapps for "uber money" to girls who screenshot it and laugh in the group chat. flying them spirit airlines if they're lucky. splitting the fucking holiday inn. acting like they did something meanwhile i'm converting facebook ad spend into first class tickets here's what actually happened. i had $100k in ad spend coming up this quarter. was gonna pay it anyway, money straight to zuckerberg's pocket. instead i put it all on my amex platinum. boom, 150k points instantly plus another 150k from the signup bonus 300k amex points = 3 emirates first class tickets to dubai retail value of those tickets? $45,000 what i actually paid? nothing. zero. fuck all but i didn't fly out one girl. i flew out five when you fly one girl out, she owns you. she's doing you a favor. you're just another trick trying to impress her. but when you fly FIVE girls out? the entire dynamic flips. they're competing for your attention. they're creating content for you. they're selling you without even knowing it the psychology is fucking beautiful. these girls have never been in first class. probably never will be again. fourteen hour flight with champagne and caviar, their own private suite. they're taking 50 instagram stories before the plane even takes off and they're all tagging me girl #1 posted 52 stories from the flight alone. her 30k followers all sliding in asking who the fuck i am. girl #2 made a whole reel about the experience that hit 2.3 million views. the comments are just hundreds of dudes trying to figure out what i do by the time they landed in dubai i had 400+ dm requests here's where shit gets disgusting. they think this is a "brand trip" because i position it as a creator collaboration. technically they're right. they're creating content. i'm collaborating. the brand just happens to be me lmfao five models, seven days in dubai. they're posting from the villa, from the restaurants, from the yacht. every single post tags me. their combined reach? 4.8 million impressions. organic, authentic, impossible to buy those dudes sliding in their dms asking about me? they find my profile. see i teach funding and travel hacking. realize i'm giving away the exact system. they buy my program last dubai trip generated 42 clients at $5k each. that's $210,000 in revenue from a trip that cost me nothing. actually less than nothing because i was gonna spend that money on ads anyway you think this is about girls but you're missing the entire fucking point every expense in your business can be arbitraged. every dollar you spend can work twice. ad spend becomes points. points become experiences. experiences become content. content becomes clients. clients become more ad spend. infinite loop the girls aren't the product, they're the distribution channel and before you get all moral about it, everyone knows what this is. these aren't naive girls getting tricked. they're influencers who want content. i want marketing. we both get what we want. they fly first class to dubai, i get organic reach. capitalism at its finest the funniest shit is when they go back to dating regular dudes. guys taking them to cheesecake factory, splitting the bill, flying them southwest if they're lucky. they're comparing every experience to dubai first class i own real estate in their head forever and it didn't cost me a fucking dollar your favorite guru is doing this. every dude with a lambo is doing this. they just pretend they're above it while running the exact same game difference is i'm telling you exactly how it works q1 miami trip, 7 models, 300k points, resulted in 31 new clients q2 mykonos, 5 models, 250k points, 27 new clients q3 dubai, 5 models, 300k points, 42 new clients q4 planning maldives with 10 models, gonna break the fucking internet this isn't about flexing, it's about understanding leverage. you're trading time for money. i'm trading points for time for money for more points. every dollar does multiple jobs. every expense becomes an asset stop thinking linearly. your ad spend shouldn't just buy ads. your business expenses shouldn't just buy things. everything should compound i learned this from a 55 year old real estate developer who's been flying models to his properties since the 90s. he calls it "animated marketing material" and swears it's the only advertising that actually works he's worth $500m now so maybe the old fuck knows something anyway, keep saving up your pennies to impress one girl who doesn't even like you. keep flying coach. keep wondering why successful dudes seem to have infinite resources or realize that money isn't real, points are infinite, and everything is marketing if you're smart enough to see it the game is rigged but at least now you know the rules ps. if this triggered you, you're thinking too small. this isn't about women. it's about understanding that everything is leverage and nothing costs what you think it does. your competition doesn't know this. that's your advantage. fucking use it

"bro i just got approved for 5K from chase!" no mf real operators are running dialed sequences and hitting all 3 bureaus to maximize the amount of capital secured while you just sent in a random application with shitty datapoints wondering why you landed a terrible limit that can only buy you a few big macs nobody realizes the real killers got this shit down to a science (me) while the noobs (you) are doing straight guesswork fighting for an approval ive secured over 12m for my clients in the last few months running the ultimate heist per bureau, with the same data points, and same timing per bank securing hundreds of thousands in record times RT, Like, and reply w/ "playbook" n ill dm - my exact datapoints - dialed timing for each bank - check list of cards matched w/ each bureau pull - a step by step POA to secure 150k in less than 30D (must be following or ngmi)