Crockett

this is your sign to visit Carmel by the sea

My friend took $50,000 from Chase and Amex with zero intention of paying it back That was 8 months ago He still has the $50,000 His credit score is back to 714 Collections? Deleted "That's illegal" No. It's just fucked up. And it works The $50K bank heist method: Step 1: Stack credit cards Doesn't matter which banks. Chase, Amex, Discover, Capital One. Get approved for $50K+ in total limits across multiple cards This is the easy part if you have a 680+ score Step 2: Convert to crypto "But Coinbase doesn't accept credit cards" Correct. So you liquidate through Plastiq or Melio first Credit card → Plastiq (2.85% fee) → Your bank account → Coinbase → $50K in Bitcoin or whatever The crypto is now in your wallet. Move it to cold storage. It's yours Step 3: Stop paying Just... don't pay the credit cards. They'll call. They'll send letters. Ignore everything After 180 days, the banks write off the debt and sell it to collection agencies for 2-4 cents on the dollar Your credit score tanks to the 500s. This is expected Step 4: Delete the collections Here's where most people don't know the play Use 605(b) dispute method. Send verification letters to all three bureaus. Freeze the shadow bureaus (LexisNexis, SageStream) so they can't verify Collections get deleted because the original creditor sold the debt and doesn't have documentation anymore Most collections fall off within 60-90 days of proper disputes Step 5: Rebuild Score went from 500s → 680+ within 6 months after deletions Add yourself as authorized user on someone's old card. Get a secured card. Normal rebuild process End result: - $50,000 in crypto (still has it) - Credit score back to 714 - Total interest paid: $0 - Total principal paid: $0 - Time to recover: 8 months "But that's stealing" Is it though? Banks create money from nothing through fractional reserve lending. They literally typed $50K into existence. They wrote it off on taxes. Insurance covered some of it He took fictional money, converted it to real assets, and deleted the paper trail The banks priced in defaults when they approved him. It's in their business model. They expected a certain percentage of people to do exactly this "But it's wrong" I'm not saying it's ethical. I'm saying it works The credit system is a game. Most people play by rules that only apply to them. Some people read the actual rulebook He read the rulebook Is this financial advice? Absolutely not Is this what happened? Yes Would I recommend it? I'm not your dad But if someone asked me "how do I get $50K for free" - this is the answer nobody wants to say out loud (I help you get up to $250k in 0% funding the legitimate way, Link in Bio)

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