@thisistwayne @ArashMarkazi Yeah you’re right.. wish the guy the best and a speedy recovery. Nothing against him or his health.
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Roxs1423
181 posts
@roxs1423 @ArashMarkazi I wish him all the best, but he reminds me of the Price is Right announcer growing up
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The Lakers announce Lawrence Tanter will miss time as he deals with a health matter and introduce fans to Jason Barquero, while will be the PA announcer in the interim. Tanter has been the Lakers’ PA announcer since 1982.
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Your credit score is 480 and you think you're fucked
I fixed 312 people's credit this year
Average increase: 180 points in 90 days
Fastest: 520 to 740 in 67 days
Here's the EXACT system to delete your past and build your future:
First, understand what credit bureaus don't want you to know:
They're REQUIRED to delete anything they can't verify in 30 days
They're TERRIBLE at keeping records
They're HOPING you don't know your rights
You're about to destroy them legally
Step 1: The Nuclear Audit (Day 1-3)
Go to annualcreditreport .com
Pull all 3 reports (free)
Screenshot EVERYTHING
Now find the bodies:
- Every late payment
- Every collection
- Every charge-off
- Every inquiry
This is your hit list
Step 2: The Validation Massacre (Day 4-7)
For EVERY negative item, send this letter:
"I dispute this account. Please validate:
- Original signed contract
- Payment history ledger
- Proof of assignment (if collection)
- License to collect in my state"
Send via certified mail to:
- Experian
- Equifax
- TransUnion
- The creditor
70% can't validate = DELETED
Step 3: The Goodwill Genocide (Day 8-14)
For legit late payments, send this:
"I've been a customer for X years.
Due to [COVID/medical/job loss],
I had temporary hardship.
Please remove as goodwill gesture."
Success rate: 40-60%
Try 3 times with different reps
Step 4: The Pay-for-Delete Play (Day 15-30)
For collections under $1,000:
"I'll pay 100% today if you:
1. Delete from all bureaus
2. Send deletion letter
3. Confirm in writing"
Get it in writing FIRST
Pay only after agreement
60% will take this deal
Step 5: The Authorized User Hack (Day 31-45)
Find someone with:
- 750+ credit score
- Old accounts (10+ years)
- Low utilization (<10%)
Get added as authorized user
Their perfect history becomes yours
Score jumps 50-100 points instantly
Where to find them:
- Family members
- Tradeline companies ($150-500)
- Friends with good credit
Step 6: The Rapid Rebuild (Day 46-60)
Get these NOW:
- Secured card ($200 deposit)
- Credit builder loan ($500)
- Become authorized user (2-3 accounts)
- Self Lender account
All report monthly
All build positive history
Score climbs 10-20 points/month
Step 7: The Utilization Manipulation (Day 61-75)
Here's the hack:
Pay your cards BEFORE statement closes
Show 1% utilization (not 0%)
Score jumps 30-50 points
Example:
$1,000 limit card
Spend $500
Pay $490 before statement
Statement shows $10 balance
Perfect utilization
Step 8: The Inquiry Removal (Day 76-90)
Hard inquiries killing you?
Send this to each bureau:
"I don't recognize this inquiry.
I never authorized this.
Please remove immediately."
30% get removed
Worth 5-10 points each
The Deleted Items List:
Using this system, I've deleted:
- Medical collections (95% success)
- Cell phone collections (80% success)
- Utility collections (75% success)
- Credit card charge-offs (60% success)
- Student loan defaults (40% success)
- Repo's (35% success)
- Bankruptcies over 7 years (100% success)
Your creditors are praying you stay ignorant
The 609 Letter Loophole:
Section 609 of FCRA requires proof
They usually don't have it
Send this:
"Per Section 609, provide:
- Original signed application
- Statements showing charges
- Proof debt is mine
- Your license to report"
No proof = DELETION
Real Transformations:
Single mom: 478 → 721 in 84 days
Got apartment, car loan, business credit
Uber driver: 502 → 748 in 91 days
Bought house, started Amazon business
Felon: 461 → 695 in 78 days
Got job, credit cards, rebuilt life
They followed this exact system
You can too
The Credit Score Hack Menu:
Each is worth points:
- Remove 1 collection: +40-80 points
- Remove late payments: +20-30 each
- Add aged tradeline: +50-100 points
- Fix utilization: +30-50 points
- Remove inquiries: +5-10 each
Stack them all = 200+ point increase
The Maintenance Mode:
After you hit 700+:
- Keep utilization at 1-9%
- Never miss payments (autopay)
- Add new credit quarterly
- Keep old cards open
- Mix credit types
750+ score for life
The Business Credit Unlock:
Once you hit 680 personal:
- Get EIN (free, 5 minutes)
- Open business checking
- Get business cards
- Build second credit profile
Now you have TWO credit profiles
Double the funding power
Your Timeline:
Week 1: Dispute everything
Week 2: Goodwill letters
Week 3: Pay-for-delete negotiations
Week 4: Add tradelines
Week 5-8: Secured cards + rebuilding
Week 9-12: Watch score skyrocket
12 weeks to freedom
Bad credit isn't a life sentence
It's a 90-day problem with a systematic solution
Your past doesn't determine your future
Your next 90 days do
Time to delete your past ✨
(if you need credit repair, links in my bio, or keep ur 500 score, up to you)
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I am back as promised :)
Time to start the $50 —> $10,000 challenge
Last time it took me about 7 days, will try doing it faster this time
If you want to follow want to follow along, comment below and I’ll send you an invite to the call group
Gonna lock comments in 24 hours
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@mandemstwits For what? You’re not going to send shit unless I do first. Scam
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WHO HAS THE BIGGEST DEBT
LET ME KNOW HOW MUCH YOU'RE IN THE HOLE I'LL SEND IT TO YOU
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I need to pay off someones debt really bad
Tell me the dollar $ amount and I'll see what I can do
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Quarter of a million dollars for one person👇… just say anything but don't beg for it. Good luck
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