If you have a LLC that’s properly structured you can go to SAMS CLUB and they will give you a $20k business card so you can liquidate into cash and do what you need to do with your business Thank me later 💰

300 is the lowest FICO credit score you can have 850 is the highest FICO credit score you can have (Some newer FICO models go up to 900) There are 550 points you have control over. ⁃ Payment history is 35% of your overall score. That’s 192.5 points. This breaks down even more. 17.5% of your score is a new late payment within the last 12 months. That’s 96.25 points. This is why a new late payment to a perfect credit history is so detrimental. ⁃ Utilization is 30% of your overall score. That’s 165 points. UTI is your credit cards only. If you have 10,000.00 in available credit, if you have more than 3,000.00 reported to your credit reports, your scores will begin to fall. If you have no UTI reporting, then you lose 165 points on your score. If you have 10,000.00 reporting, you lose 165 points off your score. Out of the 4,000 clients I have, this is the number one thing affecting their overall score’s. You have to have a credit card and be in debt to have a higher credit score. ⁃ Credit Age is 15% of your over all score. 82.5% of your scores. You ever pay off a car and see your scores fall? This is why. That age is no longer reporting. Also, stop removing student loans. Removing them will most likely hurt your scores. ⁃ Credit Mix is 10% of your overall score. Credit card, vehicle, student loans, lines of credit, inquiries affect this. Remove either one and your scores could possibly fall. ⁃ New Credit is 10% of your overall score. This one is very tricky. Because you got very a new credit card, new car and lower your overall age and lower your score. If you’ve got great credit, simply add a new inquiry every 12 months so you won’t lose 10% of your overall score.

If your car note is $400/month, you should be paying $100/week and not making one payment a month. The APR interest that you pay is accrued daily, not monthly or yearly. So the more frequent you pay, the less amount of interest you pay on the loan. These folks stretch your payments out years and years so you can pay more interest. On average, a 30 year mortgage…… 15 years and 6 months of your payments goes only to interest.

The game is to get your credit to a 750+ , get $50k -$100k in personal credit . Lock it . Then only get credit, cars, leases etc. under your business name only . That's the play ‼️