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David
214 posts

David
@FBAintheShade
Amazon FBA | First sale: October 2024 | Documenting my journey while living in paradise 🏝️
Katılım Ocak 2025
109 Takip Edilen95 Takipçiler

you can force any credit card company to remove a late payment from your report using a legal loophole that takes one phone call and most people will never try it because they assume the answer is no
it's called a goodwill adjustment and it works because banks have full discretion over what they report to the bureaus. the FCRA requires them to report ACCURATE information. it does not require them to report ALL information. if a creditor decides to remove a late payment as a courtesy, they're not violating any law. they're choosing not to report something they're legally allowed to omit
a single 30-day late payment can drop your score 60-110 points and stay on your report for 7 years. that's 7 years of higher interest rates, denied applications, and lost opportunities from one missed payment
the call script:
"Hi, I'm calling about my account ending in [last 4]. I have a late payment from [month/year] and I'm requesting a goodwill adjustment to have it removed from my credit report. I've been a customer since [year] and this was an isolated incident. I've made every payment on time since then and I'd like to continue being a loyal customer. Is there someone who can help me with a goodwill removal?"
if the first rep says no, ask to speak with a supervisor in the retention department. retention reps have more authority to make account adjustments because their job is keeping you as a customer
if the phone call doesn't work, send a physical letter. the letter needs to be specific and slightly emotional without being dramatic. include your account number, the specific late payment date, the reason it happened (lost job, medical emergency, autopay glitch, whatever is true), and a clear request for removal as a one-time courtesy
"I have been a loyal [bank name] customer for [X years]. During [month], I experienced [brief honest reason] which resulted in a payment being received [X days] late. This was not reflective of my financial responsibility or my commitment to this account. Since then, I have maintained a perfect payment history. I respectfully request a goodwill adjustment to remove this late payment from my credit report as a one-time courtesy"
mail it to the executive office, not the general P.O. box. google "[bank name] executive office address" or "[bank name] office of the president." letters that reach the executive team get handled by people with actual authority
success rates vary by bank. American Express is historically the most generous with goodwill removals. Chase is moderate. Capital One is stingy but not impossible. Discover is generally responsive
now here's the play most people miss: if you have ONE late payment on an otherwise clean report, fixing that single item is worth potentially 60-110 points. the jump from 680 to 750+ changes your entire financial life. mortgage rates, auto loan rates, credit card approvals, insurance premiums, apartment applications. we're talking tens of thousands of dollars in savings over the next decade from one phone call and one letter
a 60-point score increase on a $400K mortgage can save you $40,000-$70,000 over 30 years. from a letter
if you've got late payments dragging your score down and you want someone to handle the whole process across all your accounts and all three bureaus, that's our thing. 30-90 days. link in bio
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@ZachAltmyer You using regular invoices or old ones? I feel it’s So much work to order 10-20 wait for physical units to arrive then file the app 10x haha
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@sertacaltun_ They reach out for help saying they’re spending too much and not converting.
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Brand: We don't need Amazon content, we have our own designers & team.
Me: You need Amazon specific content.
Brand: Let's go with what we have.
Me: It will hurt conversions and cost you a lot more in ad spend.
Brand: I think we'll be fine.
Me: I highly don't recommend that.
Brand: Please proceed.
Guess what happens next?
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@Sole_Republican They’ll sell courses before they blame AI and then move on to the next shiny object.
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@CajuaRobinson What resources would you recommend for someone like me who’s wanting to learn more about Agents? Any Specific channels on YouTube?
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If you have a business and you're not using AI Agents in some capacity
Start. Immediately.
I'm increasing my output by 20% and I'm only scratching the surface.
The new normal needs to be always having an agent do work while you work.
Even if you don't do a full clawdbot setup.
Use chatgpt agent or open up the Gemini agent in chrome.
Do something.
My agent this week checked to see if brands on a trade show list were on Amazon.
Created a presentation on Amazon & AI for me (I'm speaking at the small business expo next month)
Analyzed my inventory metrics.
Next I plan on building and agent and internal app workflow that automatically pulls our monthly brand reports and does free audits for agency clients.
The possibilities are endless.
Let's build.
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This feels like a turning point in computing, for $20/m everyone with a pc just got access to a little genius in their pocket to help them work.
How long will it take for the masses to even start using these tools? My "normie" friends still don't even know the term "Vibe Coding"
Claude@claudeai
Cowork is now available on Windows. We’re bringing full feature parity with MacOS: file access, multi-step task execution, plugins, and MCP connectors.
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@peternelson @AllOutTompsons @NickSpisak_ I’m looking to hire my first VA. An admin VA to be exact. But would like to know if AI can get the tasks done instead for less the expense.
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@AllOutTompsons For non-technical audience
x.com/PetesFlips/sta…
@NickSpisak_ has good stuff for more technically folks
Pete@peternelson
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@Sole_Republican @CookingCashflow So you’re saying to sell even if a listing has signs of IP but you’re also disagreeing that this chart is not an IP.
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@CookingCashflow @FBAintheShade Putting a ASIN on transparency is not the same as IP, this look like a transparency issue more then IP
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They teach to avoid, I preach to do it…screw all the other smaller sellers. If you going be a fish in the ocean, you better be a shark
Miles@flips4miles
Avoid any Keepa chart you see like this, clear IP complaint:
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It depends, I’ve got 50 rentals in my obstacle course and I did have to repair a couple of holes on it last fall, but I’ll get another 20 rentals this year and it will do fine. Waterslides get very little wear and tear so the could last for potentially a hundred or more. So each unit varies but if you’re getting commercial units they’ll last for multiple seasons.
The amount of equipment varies on the size, so let’s say you want 5 units, you need a good solid trailer probably $5k. You need 5 blowers for the installed which are generally included in that price. Extension cords for each, a good inflatable dolly. A vehicle built to tow.
It gets vastly more complicated when you get bigger. Payroll, Workmans comp, liability insurance, websites, so. Bookkeeping. Settings appointments, booking software places to store it. Etc.
Most people will start with a couple small inflatables and get a good feel for it, advertise with yard signs and Facebook marketplace and build from there.
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In 2024 we did 230 rentals with an average rental of $291 excluding deliveries and extra fees.
In 2025 we did 199 rentals but our average rental went up to $417 excluding delivery and any other fees.
2025 we sold our units that weren’t making any money and brought in units that did, we also capped our weekends so we didn’t kill ourselves.
I believe 2026 we will have an even higher per rental and more rentals than we’ve ever had.
Bring in the 2026 Bounce House season!

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@jeshoopes Thanks for the transparency!
I’m considering the wear and tear (or damages) on these. How long would you say a unit will last you?
Any other expenses in this business model? Equipment, transportation, car payment? How does that look like on a monthly basis?
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I’ll show you! I rented that unit 18 times last year and made $8614 in rentals on that unit. I’ve had it for two years now. But I have 6 double lane waterslides.
This is a Heavy unit probably 550 lbs. it would be extremely difficult to load this in a bed of a truck. We use a high walled 7x16 utility trailer with a ramp to roll them in and move the around. I have an electric dolly so I can load it my self but you can use a big non motorized dolly with two people.
There are some liabilities with inflatables, we have people sign contracts and waivers but you have to make sure they are properly secured, this unit takes 18 stakes and MUST be secured. Kids get hurt quite a bit so we tell customers the need to watch their kids going down so they dont just slam into each other.

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@jeshoopes Oh and how does a typical day look like? Drop off, set-up, leave, come back for pickup? Or do you need someone on standby to monitor these things?
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@jeshoopes Ok thanks!
So how much would you expect in return for 1 unit in a year?
How does transportation look like for this one unit? Fits on a bed of a truck?
Any liabilities to look out for?
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