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Speaker 1: Coach, the energy out there felt different. What changed for

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Speaker 1: the team today?

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Speaker 2: It was the new game day scratches from the California

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Speaker 2: Lottery player is everything. Those games sent the team's energy

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Speaker 2: through the roof.

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Speaker 1: Are you saying it was the off field play that

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Speaker 1: made the difference on the field.

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Speaker 2: Hey, little play makes your day, and today it made

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Speaker 2: the game. That's all for now, Coach, one more question.

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Speaker 1: Play the new Los Angeles Chargers, San Francisco forty nine

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Speaker 1: ers and Los Angeles Rams scratchers from the California Lottery.

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Speaker 1: A little play can make your day. Peace made responsibilit

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Speaker 1: must be eighteen years or older to purchase late or

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Speaker 1: claim earns.

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Speaker 3: It's twenty twenty one, the year have execution. In order

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Speaker 3: to execute, we have to have information. And the number

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Speaker 3: one place that get the information EYL University Shotty tell

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Speaker 3: them what we bring in.

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Speaker 4: Yes, EYL University has been reloaded. We already have one

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Speaker 4: hundred passed webinars. We already have weekly webinars. We already

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Speaker 4: have our private investment group on Facebook. We already have

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Speaker 4: monthly financial planning calls. We already have five weekly real

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Speaker 4: estate called. But what has been added to EYL University

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Speaker 4: this year is access to MG the Mortgage Guys home

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Speaker 4: Buyer's Blueprint which walks you through the home buying process

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Speaker 4: from A to Z and went off.

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Speaker 5: So has been added breaking news alert.

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Speaker 4: Everybody always has to be in our group chat and

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Speaker 4: when we talk about all the investment plays that we

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Speaker 4: are making. We are going to have investment calls group

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Speaker 4: chat calls with me, Troy and the whole team and

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Speaker 4: walk you through our plays that we're making and give

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Speaker 4: you insight into our portfolios. All of that for seventy

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Speaker 4: five percent off. That's right, We are doing a lowout

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Speaker 4: sale seventy five percent off for a limited time only.

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Speaker 4: Go to eyl University dot com right now and sign up.

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Speaker 6: See you on the other side, my graduates from my

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Speaker 6: school being forced.

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Speaker 5: Back drop bag drop, my drop back drop drop.

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Speaker 4: Let's get it you good, bro, Just unmute yourself, cut

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Speaker 4: your camera on and let's get it going.

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Speaker 5: Let's let's let's rock out there you go, And we

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Speaker 5: were session blue.

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Speaker 7: Yeah, you know, you know, we got to, we got to.

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Speaker 7: I didn't want to go bust down tonight, you.

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Speaker 5: Know, point point dexter point dexter tonight.

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Speaker 7: So uh yeah, I see it in the chat already.

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Speaker 7: So how you guys doing out there as we jump

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Speaker 7: in the night. You want me to just get straight

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Speaker 7: into it.

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Speaker 4: Yeah, I'm gonna give them an introduction on what's going

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Speaker 4: on here. So for first and foremost, thank you. Thank

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Speaker 4: you for joining us.

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Speaker 7: Man.

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Speaker 4: I know you're a busy man these days. Man, you're

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Speaker 4: running around you making it happen. Man, So congratulations on

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Speaker 4: everything you got going on. Man, A million dollar worth

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Speaker 4: a game interview was amazing. Our interview obviously was amazing.

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Speaker 4: Sleepers for Suckers interview was amazing. So yeah, first and foremost, man, congratulations, Man,

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Speaker 4: keep educating, keep leading away, and keep inspiring.

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Speaker 5: It's very very important.

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Speaker 3: And you're the big boss man now in three weeks

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Speaker 3: you top five bro, Top five ey l episode, run

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Speaker 3: it up.

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Speaker 8: I think we had you at three seventeen.

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Speaker 7: It's crazy, cloth like that.

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Speaker 8: I know what you got your eye on too. I

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Speaker 8: know what you got your eye.

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Speaker 7: It's a blessing, man, you know that the information I should.

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Speaker 7: I just tried my best, like when I come on

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Speaker 7: the platforms, to just really educate everybody as best as

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Speaker 7: possible because one of the things I hate for people

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Speaker 7: to get on somewhere and waste their time and they

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Speaker 7: spend years, I mean a few hours and they get

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Speaker 7: nothing but a whole bunch of motivation or just a story.

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Speaker 7: Like actually giving people tangible things to walk away with

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Speaker 7: is really what I pride myself on. And that's you know,

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Speaker 7: gonna be the basis for the night too.

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Speaker 5: Let's do it.

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Speaker 4: So let's let's first and foremost welcome everybody out there

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Speaker 4: and in University of Euyo University, Eyo University welcome, and

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Speaker 4: everybody on YouTube welcome. So the people that's on YouTube,

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Speaker 4: we're just going to give you a quick rundown of

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Speaker 4: how this works. So Eyo University is a platform that

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Speaker 4: we started over a year ago and it's an extension

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Speaker 4: of the podcast. Is pretty much like on Steroids for

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Speaker 4: people that want like more hands on experience and actually

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Speaker 4: you know, get to actually you know, ask questions.

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Speaker 5: And it's a community.

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Speaker 4: So once a month we do what was called open

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Speaker 4: enrollment and we kind of give you a sneak peek.

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Speaker 4: We like to show our work, as Trapp would say,

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Speaker 4: show our works to the public. So yeah, we give you,

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Speaker 4: we give you an open open house and you can

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Speaker 4: check it out. So what happens is that for EBA University,

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Speaker 4: we have one hundred past webinars because every single week

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Speaker 4: we do a different webinar with a different instructor that

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Speaker 4: teaches on a different topic. So whether it's real estate,

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Speaker 4: whether it's credit, whether it's student loans, whether it's stocks,

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Speaker 4: every single week is different. Every Wednesday at eight o'clock

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Speaker 4: Eastern Standard time. And then so all of that's archives.

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Speaker 4: So it's currently one hundred webinars right there. And then

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Speaker 4: we have a private Investment group on Facebook, which is

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Speaker 4: a community. It's five thousand people in that and people

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Speaker 4: get together and they talk about investing. Is all kinds

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Speaker 4: of infinity groups in there, and it's a whole it's

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Speaker 4: a whole accountability. And then we also have a movie

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Speaker 4: club and a book club. And then once a month

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Speaker 4: I do financial planning calls. Everybody knows I'm a financial advisor,

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Speaker 4: so I do want financial planning calls. Once a month.

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Speaker 4: We do bi weekly real estate calls with MG the

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Speaker 4: Mortgage Guy. And what has been added this year to

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Speaker 4: Eyo University is MG the Mortgage Guys Home Barer's Blueprint,

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Speaker 4: which is over fifteen hours of content in one hundred videos.

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Speaker 4: So if you join el University, you get that as

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Speaker 4: a member, step by step booklet to get and what

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Speaker 4: we what we just announced on market Monday. So everybody,

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Speaker 4: including including him five hundred every time like we talk

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Speaker 4: about stocks and all that because they know we got

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Speaker 4: we got the investment group chat and we showed we

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Speaker 4: showed the guys our portfolio, like YO, put me in

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Speaker 4: the group chat, show me how to do this stead

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Speaker 4: of that. So you know, we got so many requests

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Speaker 4: to like, YO, how to like let me know your

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Speaker 4: plays like the group chat. So we're going to do

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Speaker 4: once a month group chat calls, investment group chat calls

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Speaker 4: where we're just gonna it's a free form meet Jamal Troy,

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Speaker 4: our whole team, and we're going to actually just tell

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Speaker 4: you the plays that we're not we're not telling you

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Speaker 4: to make those.

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Speaker 5: Place is what's going on. But we're gonna tell you what's.

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Speaker 4: In our portfolio, what we're doing, what we're looking at,

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Speaker 4: and we're just gonna have a conversation. We're just gonna

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Speaker 4: open up our group chat. And that's a million dollars

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Speaker 4: worth a game right there. If you saw in a

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Speaker 4: pfolio animal.

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Speaker 3: Every every time we showed somebody to portfolio individually, like, Yo, Shotty,

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Speaker 3: show a portfolio.

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Speaker 8: I show a portfolio. More shows portfolio, Mike. They like, yo, bro,

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Speaker 8: this ridiculous. How do I start? How much do I need?

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Speaker 8: And can y'all just show me? So that's been a

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Speaker 8: consistent thing.

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Speaker 3: So it was like, Yo, let's just open it up, man,

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Speaker 3: Let's just open it up so everybody can see what's

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Speaker 3: going on. And the best thing about it is like,

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Speaker 3: since it's an open form, I know people are making

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Speaker 3: moves out there too that can help us. And so

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Speaker 3: it's like, yo, what's back and forth? Now we build

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Speaker 3: as a community because there's some moves that we don't make.

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Speaker 3: Like we heard on Market Mondays other night, young man

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Speaker 3: Ash was like, Yo, I like this play, and so

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Speaker 3: I'm like, yo, bet, we gotta go research that. So

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Speaker 3: that's how you build community. It's not just like Yo,

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Speaker 3: we're gonna give. We're gonna give. It's gonna be given.

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Speaker 8: Take. It's like all right, oh, I didn't know about that,

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Speaker 8: Thank you for putting me on. Now we gotta go

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Speaker 8: do a homework. So it's gonna be dope.

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Speaker 5: Marcus.

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Speaker 4: Let me ask you, well, everything I just named, what

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Speaker 4: do you think a fair price for that value is.

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Speaker 7: Everything you just named yeah on a A on a

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Speaker 7: one time by or yeah, I don't know, probably about

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Speaker 7: five thousand. That's I will price it at like a

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Speaker 7: five to seventy five.

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Speaker 5: That's a fact.

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Speaker 7: We're seventy five hundred.

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Speaker 5: That's a fact, man, we're doing.

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Speaker 4: We're doing a seventy two hour sale for that seventy

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Speaker 4: five percent off, five hundred dollars, five hundred dollars.

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Speaker 5: We're letting it go. So you're looking for you.

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Speaker 7: I'm about to give him a couple of thousand dollars

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Speaker 7: worth of info right now. They've been get a couple

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Speaker 7: of thousand dollars worth of info right now.

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Speaker 8: Oh man.

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Speaker 4: So yeah, we put that link in there, eyuniversity dot com.

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Speaker 4: Like I said, we're gonna do a seventy seventy two

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Speaker 4: hour sale, seventy five percent off. But first and foremost,

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Speaker 4: let's let's get into it. I know the Good Brother

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Speaker 4: got a lot going on. So Marcus were ready, We're

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Speaker 4: ready to be educated.

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Speaker 3: Yeah, bro, I'm gonna make you the host, and so

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Speaker 3: whenever you're ready, I'm gonna switch it back so we

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Speaker 3: don't have to have a split screen all right, all right, all.

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Speaker 7: Right, so I'm hold so listen to you guys. How

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Speaker 7: you guys doing as you guys. Some of you know,

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Speaker 7: some of you may not. My name is Marcus Barney,

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Speaker 7: also known as Him five hundred, and what I do

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Speaker 7: is I teach financial literacy. Right, there's a lot of

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Speaker 7: people in the community, and we're getting more in tune

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Speaker 7: when it comes to financial literacy, when it comes to credit,

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Speaker 7: when it comes to investing and things like that. And

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Speaker 7: my thing is this a lot of us. I don't

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Speaker 7: know if you guys are like me, but I grew

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Speaker 7: up in a household where I didn't come from people

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Speaker 7: who had money, right, Like, I was born homeless. You know,

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Speaker 7: the typical story come from the ghetto. Note that every

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Speaker 7: the story that most most people come from from our community.

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Speaker 7: And what happens is is that we don't come from

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Speaker 7: a trust fund. But then we also don't come from

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Speaker 7: a long line of education, right, We don't come from

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Speaker 7: a long line of people who have been educated properly.

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Speaker 7: And so what happens is is that we grow up

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Speaker 7: missing formed and we grew up with a lack of resources.

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Speaker 7: So we're missing two things. We're missing resources and education. Inside.

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Speaker 7: We have all the drive that we need, We have

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Speaker 7: all of the motivation of charisma. We have everything that

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Speaker 7: it takes to go out and make money. And that's

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Speaker 7: why a lot of us thrive in different industries. But

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Speaker 7: a lot of us get left behind if we don't have,

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Speaker 7: you know, certain things like being an athlete or being

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Speaker 7: a rapper. If we don't got that. And so what

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Speaker 7: I looked at growing up, I wasn't that. So me

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Speaker 7: not being an athlete, what I looked at, I said, Okay,

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Speaker 7: well what can I do? I started learning business. When

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Speaker 7: I got in business, I was able to gain traction.

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Speaker 7: I was able to gain a little bit of success,

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Speaker 7: and whenever the slow season will hit, right, most businesses

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Speaker 7: have a slow season, or people just have a rough

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Speaker 7: time and they have a slow period, a rough period.

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Speaker 7: And what happens in that period is usually we go

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Speaker 7: into a financial crunch because we don't have anything to

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Speaker 7: fall back. So most of us don't come from trust funds.

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Speaker 7: And so, understanding that I don't come from a trust fund,

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Speaker 7: I don't have anything to fall back on. All I

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Speaker 7: have is a capital I was able to raise. I

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Speaker 7: started looking into credit right and so I started figuring out, Well,

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Speaker 7: how can I use credit because it's no way that

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Speaker 7: it's out here and it can't be an actual resource,

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Speaker 7: right because I was training. I don't know if you

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Speaker 7: guys are trained like me, right and not just let

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Speaker 7: me get a check in the chat? Is that drop

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Speaker 7: a one in the chat? Is the things that you

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Speaker 7: guys were trained on? Was Hey, when it comes to credit,

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Speaker 7: the only thing is good for is buying a house,

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Speaker 7: buying a car and using a credit card emergency purposes

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Speaker 7: only and get gas with it, right, was that's the level? Okay?

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Speaker 7: Looking at the chat, I see a bunch of one, right,

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Speaker 7: And so for me, what I look at and see

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Speaker 7: is that I'm not the only one that came up

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Speaker 7: as educated about when it came to credit. So, as

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Speaker 7: you guys seen on the EYL episode, I gave you

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Speaker 7: guys a lot of jewels and things that you can

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Speaker 7: do by leveraging credit, right, But what I didn't do

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Speaker 7: was break down a blueprint for you to be able

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Speaker 7: to go out and get some money.

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Speaker 5: Right.

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Speaker 7: See, we only have so much time. But now we

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Speaker 7: get to go on the lesson mod. So tonight I

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Speaker 7: get to actually share with you guys a few tangible

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Speaker 7: things where you can go and get money. So that

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Speaker 7: way you could build your own what is could be

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Speaker 7: called your own trust fund. Right, that's just me what

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Speaker 7: I call it, not literally a trust fund, but build

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Speaker 7: your own trust fund. And that's my goal is that

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Speaker 7: if we don't come from money, at least somebody give

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Speaker 7: us a blueprint so we can go and get some money. Right,

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Speaker 7: once we can get it, if we can properly use

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Speaker 7: it and be properly educated on it, because don't get it,

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Speaker 7: don't get me misconscrewed. From one point, credit is very dangerous, Okay,

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Speaker 7: it's a dangerous game. And the reason why it's dangerous

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Speaker 7: is because we don't have the education on it. Nobody

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Speaker 7: told us that you can hide your credit card utilization

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Speaker 7: so you don't pay interests, right. Nobody told us that

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Speaker 7: you know how to monopolize and actually gain off the

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Speaker 7: reward points and the rewards in the reward system that

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Speaker 7: credit card companies actually have. Right. Most of us go

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Speaker 7: out and we operate off a debit card. And I

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Speaker 7: ask people all the time, I said, listen, if you're

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Speaker 7: walking down a dark alley with ten thousand in your

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Speaker 7: pocket and you know you're gonna get robbed, do you

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Speaker 7: want my ten thousand in your pocket or your last

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Speaker 7: ten thousand in your pocket? Most people gonna say, I

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Speaker 7: want your ten thousand in my pocket. I'd rather have

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Speaker 7: mine at home. Well, guess what, that's the same thing

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Speaker 7: that happens when you use a debit card versus a

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Speaker 7: credit card. Right, every day on the black web, people

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Speaker 7: are being victim of identity theft, identity fraud. And what

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Speaker 7: happens is is that every day when you go out

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Speaker 7: and swipe that debit card, which with every penny that

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Speaker 7: you got in that bank account, right, you put it

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Speaker 7: at risk to be compromised. Meanwhile, with a credit card,

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Speaker 7: you put the bank's money.

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Speaker 8: Right.

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Speaker 7: Do you think if if fraud happens against American Express,

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Speaker 7: do you think they're not going to get it right?

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Speaker 7: They gonna go get their money back and do what

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Speaker 7: they need to do, or they can take the loss.

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Speaker 7: Right ten thousand could potentially set us out of the

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Speaker 7: game for a real long time and really im blum

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Speaker 7: people's lives if they bank accounts get cleaned out and

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Speaker 7: they got to go, you know, sixty sixty days without

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Speaker 7: their finances, right, without their actual income, without the money

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Speaker 7: that they had in the bank. So that's my goal

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Speaker 7: is I just want to educate people and listen. When

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Speaker 7: it comes to leveraging credit, right, be mindful of it always, always, always,

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Speaker 7: don't go over your over your means, right, meaning if

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Speaker 7: I teach you tonight how to go get seventy five thousand, right,

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Speaker 7: and you haven't proven yourself. Like if you've got a business,

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Speaker 7: so you have a T shirt company and your T

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Speaker 7: shirt company been producing five thousand dollars a month, right,

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Speaker 7: don't take this credit card and over extend yourself. Okay,

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Speaker 7: don't take a credit card and over extend yourself to

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Speaker 7: where it's more in debt than what you've been actually making.

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Speaker 7: Because you're still going to make five thousand a month.

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Speaker 7: So you just have to be mindful of it. Meanwhile,

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Speaker 7: let's get into it. So listen banks, right, A lot

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Speaker 7: of us are familiar with banks like Navy Federal. Okay,

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Speaker 7: a lot of us are familiar with banks like Navy Federal.

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Speaker 7: And I tell people all the time, Navy Federal is

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Speaker 7: cool because they'll get people with a six eighty six

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Speaker 7: sixty building credit with no negative history. They'll give people

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Speaker 7: credit cards.

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Speaker 5: Right.

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Speaker 7: Here goes a backdoor metha for Navy Federal. So blueprint.

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Speaker 7: Can I give him a blueprint?

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Speaker 8: Can I get him let's as yours.

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Speaker 7: I'm gonna give you guys a blueprint to clean your

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Speaker 7: credit so we don't got to sit here all night

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Speaker 7: and do it. I'm gonna get them a blueprint for

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Speaker 7: free to clean your credit and how to clean like

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Speaker 7: a twenty four hour transmit you method. The same thing

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Speaker 7: I did for the NWD audience, I want to do

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Speaker 7: the same thing for you guys. And that way, you

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Speaker 7: guys got the blueprint. But now I'm giving you the

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Speaker 7: blueprint on what to do after you get your credit together. Okay,

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Speaker 7: So when you're building, let's just say you don't have

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Speaker 7: a super strong profile, okay, And if you don't have

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Speaker 7: a strong profile, what you're gonna do is six sixty

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Speaker 7: six eighty. That's no negative derogatory march. You have to

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Speaker 7: remove the negative items. So this is if you got

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Speaker 7: one hundred percent payment history, you know, two to three

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Speaker 7: inquiries at you know you have super strong So you

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Speaker 7: may have a year two years history, you'll be okay,

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Speaker 7: the Navy Federal at least three or four counts positive

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Speaker 7: accounts in your credit report, just in no derogatory marks.

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Speaker 7: I'm showing you how to move derogatories. And you want

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Speaker 7: to have your credit utilization under nine percent, right, preferably

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Speaker 7: if it's at fifteen to twenty on. With Navy Federal,

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Speaker 7: you'll be okay, you still get an approval. Okay. So

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Speaker 7: it's what we're gonna do with Navy Federal. A lot

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Speaker 7: of times they tell us that you can't get a

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Speaker 7: Navy Federal unless you're a member of the Armed Services

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Speaker 7: or you come from your father was right, Let me

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Speaker 7: explain something and do this now because putting it on

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Speaker 7: earn your leisure and the videos get one hundred two

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Speaker 7: hundred thousand views. I got to act now. So everybody

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Speaker 7: that's watching live, y'all got about a twenty four hour window,

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Speaker 7: seventy two hours before we might you know, ruin this

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Speaker 7: be honest with you guys. But the back door method

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Speaker 7: to get a Navy Federal was this. You can literally

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Speaker 7: call Navy Federal and tell them, hey, listen, my grandfather

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Speaker 7: was in the military. My grandfather was in the military.

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Speaker 7: He passed away. I don't have any of his information.

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Speaker 7: They'll come back boom boom boom. And when they come back,

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Speaker 7: what they'll do is actually let you in. Boom. Now

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Speaker 7: you're in. You don't need anybody's references. You don't need

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Speaker 7: to be in the military. That's the back door method.

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Speaker 7: Now what Navy Federal is infamous forgiving fifteen to twenty

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Speaker 7: five thousand dollars in credit cards, right, you can go

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Speaker 7: with the Gold Rewards card fifteen to twenty five thousand.

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Speaker 7: Now side note, and you know disclaimer. Maybe Federal randomly

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Speaker 7: gives people one thousand dollars approves. Okay, you're gonna roll

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Speaker 7: the dice, right, So what happens is is that most

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Speaker 7: people fifteen to twenty five randomly, you may get a thousand.

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Speaker 7: If you get the thousand, call in and ask for

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Speaker 7: a reconsideration. If they don't give it to you, just

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Speaker 7: maintaining for six months, and then call in and ask

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Speaker 7: for an increase, right, and six months when you ask

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Speaker 7: for the increase, they'll bump you up dramatically. Okay, so

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Speaker 7: don't fit you know, like you lost. If you get

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Speaker 7: a thousand dollar incury, I mean a thousand dollars limit,

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Speaker 7: you're gonna get bumped up eventually, okay, And that's Navy Federal.

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Speaker 7: Most people are familiar with Navy Federal. That's your back

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Speaker 7: door method in I'm gonna give you the blueprint to

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Speaker 7: clean your credit. Okay. So that's one bank. But what

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Speaker 7: people don't know is that some people familiar with Navy Federal,

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Speaker 7: but a lot of people don't go out and research

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Speaker 7: other banks. Right. People don't know that it's other banks

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Speaker 7: out there, like Fidelity, Alliant Credit Union, and First Tech

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Speaker 7: Credit Union. Okay, So with Alliant, I'm gonna break it

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Speaker 7: down to you. Alliant is another credit union that you

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Speaker 7: have to gain access to.

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Speaker 5: Well.

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Speaker 7: With Alliance. To gain access, they're gonna ask you, hey,

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Speaker 7: are you a teacher? Hey? Are you this right? You're

386
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Speaker 7: gonna go no, no, no. They asked you about ten

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Speaker 7: different qualifying questions to see if you can get access.

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Speaker 7: The last question is gonna ask you, well, are you

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Speaker 7: willing to make a donation to a charity of our choice?

390
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Speaker 7: Make a donation that you want to put in Right,

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Speaker 7: So I tell people donate five dollars you get access

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Speaker 7: to a Lion credit union. Alliant is going to give

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Speaker 7: you another bank that does fifteen to twenty five thousand

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Speaker 7: that's off of using a Lion Okay. And so what

395
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Speaker 7: I want people to do is get familiar with that

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Speaker 7: is because now that's two banks. So if let's just

397
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Speaker 7: say on the loan end, you get fifteen thousand, right,

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Speaker 7: this is off this car, you're gonna need your credit

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Speaker 7: to be a little bit stronger than Navy Federals is.

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Speaker 7: But they're not super strict.

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Speaker 5: Okay.

402
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Speaker 7: But then the next one, the next move that we

403
00:18:35,320 --> 00:18:40,560
Speaker 7: have is Fidelity. Okay. So with Fidelity, you have to

404
00:18:40,560 --> 00:18:43,879
Speaker 7: open up a brokerage account. Okay, you open up a

405
00:18:43,880 --> 00:18:47,639
Speaker 7: Fidelity brokerage account, and once you open up the brokerage account,

406
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Speaker 7: you're gonna apply for the Rewards Visa card right away.

407
00:18:50,480 --> 00:18:53,840
Speaker 7: So soon as you go to Fidelity, open up the

408
00:18:53,880 --> 00:18:59,320
Speaker 7: brokerage account, you apply for the go Rewards Visa immediately. Okay.

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Speaker 7: But with this understand, you must have at least a

410
00:19:01,880 --> 00:19:05,840
Speaker 7: seven thirty on Experience okay and TransUnion. So you need

411
00:19:05,880 --> 00:19:08,480
Speaker 7: to get a seven to thirty credit score on Experience

412
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Speaker 7: and TransUnion. If you have a seven thirty, they're gonna

413
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Speaker 7: give you another bank that's gonna go fifteen to twenty

414
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Speaker 7: five thousand. And it's not it's based off your score.

415
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Speaker 7: Your credit report doesn't have to be super extensive. I

416
00:19:19,640 --> 00:19:24,200
Speaker 7: have people get approvals eighteen thousand would only about one

417
00:19:24,200 --> 00:19:27,399
Speaker 7: and a half years of age on their credit report.

418
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Speaker 7: So that's another bank, that's Fidelogy. That's three banks that

419
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Speaker 7: you guys can go to that's going to actually give you,

420
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Speaker 7: guys fifteen to twenty five thousand. If you guys shoul

421
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Speaker 7: roll the dice right and do twenty five twenty five

422
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Speaker 7: to twenty five, that's seventy five thousand, right. My point

423
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Speaker 7: is this, though, the key to it is be respectful

424
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Speaker 7: of the credit cards. If you're not super you know

425
00:19:51,720 --> 00:19:53,760
Speaker 7: on it already and you don't know, right, Let me

426
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Speaker 7: to explain something. Credit cards have a three dates on

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Speaker 7: a closing on credit cards, right, they have have your

428
00:20:00,800 --> 00:20:03,919
Speaker 7: due date, they have your closing date, and they have

429
00:20:04,080 --> 00:20:07,359
Speaker 7: which is your statement date, and they have your reporting date. Right,

430
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Speaker 7: So understand this is that you have a due date

431
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Speaker 7: that's the date that your credit card is due. Then

432
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Speaker 7: you have your closing date. This is the date that's

433
00:20:15,880 --> 00:20:18,520
Speaker 7: your when your statement closes that statement date. What that

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00:20:18,600 --> 00:20:21,000
Speaker 7: does is whatever your balance is on your statement date

435
00:20:21,160 --> 00:20:23,879
Speaker 7: when your credit card closes, that's going to report to

436
00:20:23,920 --> 00:20:26,920
Speaker 7: your credit card. Okay, that reports to your credit card.

437
00:20:27,080 --> 00:20:29,800
Speaker 7: Now you have your reporting date. That's the date that

438
00:20:29,840 --> 00:20:32,040
Speaker 7: they actually report to the credit buiers. What we want

439
00:20:32,040 --> 00:20:34,800
Speaker 7: to focus on is the statement closing date. Okay, on

440
00:20:34,840 --> 00:20:37,199
Speaker 7: a statement closing date. What's important about this is this,

441
00:20:37,840 --> 00:20:41,760
Speaker 7: when your credit card closes, that's what's going to report

442
00:20:41,800 --> 00:20:46,400
Speaker 7: on your credit card. If it closes at zero dollars, Oh,

443
00:20:47,359 --> 00:20:51,880
Speaker 7: guess what happens? Your utilization on your credit report shows

444
00:20:52,040 --> 00:20:55,040
Speaker 7: zero dollars. Oh, if you pay your credit card off

445
00:20:55,080 --> 00:20:57,320
Speaker 7: before the building date, I mean before the due date

446
00:20:57,359 --> 00:21:00,639
Speaker 7: and lit it and let it stay at zero throughout

447
00:21:01,119 --> 00:21:05,120
Speaker 7: your closing date, throughout your closing date. What's gonna now

448
00:21:05,160 --> 00:21:08,360
Speaker 7: happen is now you paid your credit card off within

449
00:21:08,359 --> 00:21:10,239
Speaker 7: a thirty day period, so you're not getting really hit

450
00:21:10,320 --> 00:21:13,119
Speaker 7: with a lot of interest, right, and it's reporting that

451
00:21:13,280 --> 00:21:16,320
Speaker 7: zero percent utilization if you keep it there when the

452
00:21:16,520 --> 00:21:22,840
Speaker 7: when the when the actual credit card closes. Okay, man,

453
00:21:22,880 --> 00:21:30,000
Speaker 7: I'm gonna be going on for me. Y'all listen for

454
00:21:30,080 --> 00:21:35,840
Speaker 7: the culture. Y'all gotta understand, right, Coach, you can change

455
00:21:35,840 --> 00:21:40,080
Speaker 7: your building. You can change your due date once a year,

456
00:21:40,480 --> 00:21:43,240
Speaker 7: okay uh with some bank. Some banks lets you do

457
00:21:43,280 --> 00:21:45,480
Speaker 7: it multiple times. So I'm gonna tell y'all this, right,

458
00:21:45,520 --> 00:21:47,040
Speaker 7: I'm just y'all just got to pick up what I'm

459
00:21:47,040 --> 00:21:49,840
Speaker 7: putting down in this Right. If I can change my

460
00:21:49,920 --> 00:21:53,400
Speaker 7: building date in due date, that means that I can

461
00:21:53,440 --> 00:21:55,720
Speaker 7: set my statement and closing date. So if I got

462
00:21:55,720 --> 00:21:58,040
Speaker 7: two credit cards, I'm setting one this way, I'm setting

463
00:21:58,040 --> 00:22:01,200
Speaker 7: one over here. Okay, when I set them apart, now,

464
00:22:01,240 --> 00:22:03,080
Speaker 7: when this one closes, I can use the money from

465
00:22:03,119 --> 00:22:05,680
Speaker 7: here to pay this one. When the money closes, when

466
00:22:05,680 --> 00:22:07,280
Speaker 7: this one closes, I can use the money from here

467
00:22:07,280 --> 00:22:10,080
Speaker 7: to pay this one. Right. The goal is that we

468
00:22:10,200 --> 00:22:12,880
Speaker 7: just have to understand how the bank work. We have

469
00:22:12,960 --> 00:22:14,800
Speaker 7: to study and do our due diligence. A lot of

470
00:22:14,840 --> 00:22:18,199
Speaker 7: us don't actually want, you know, go out and just

471
00:22:18,240 --> 00:22:21,520
Speaker 7: read the fine print or call the banks and ask questions. Right,

472
00:22:22,119 --> 00:22:25,600
Speaker 7: the banks work for us. They're using our money, right,

473
00:22:26,000 --> 00:22:29,280
Speaker 7: they're used. They're literally using our money. That's our bank.

474
00:22:30,000 --> 00:22:32,760
Speaker 7: You can call and ask any question how anything works

475
00:22:32,800 --> 00:22:35,439
Speaker 7: that you want. I don't care how redundant it is,

476
00:22:35,680 --> 00:22:38,120
Speaker 7: I don't care how brazen it is. Call and ask

477
00:22:38,200 --> 00:22:40,840
Speaker 7: the question. All they can do is give you an answer.

478
00:22:40,880 --> 00:22:43,480
Speaker 7: They got to look it up. And if sometimes if

479
00:22:43,480 --> 00:22:45,359
Speaker 7: they give you an answer, call back and ask somebody

480
00:22:45,400 --> 00:22:47,680
Speaker 7: else the same thing with Navy Federal. If they don't

481
00:22:47,760 --> 00:22:50,040
Speaker 7: let you in, hang up and call back and get

482
00:22:50,080 --> 00:22:53,040
Speaker 7: the next rep til you get in. Right. That's the

483
00:22:53,080 --> 00:22:55,639
Speaker 7: same thing that I explain to people about when it

484
00:22:55,680 --> 00:22:58,200
Speaker 7: comes to cleaning your credit. You do not want to

485
00:22:58,240 --> 00:23:00,719
Speaker 7: send in a letter to remove miss spelled names and

486
00:23:00,760 --> 00:23:03,280
Speaker 7: addresses when you can call in and get it removed

487
00:23:03,320 --> 00:23:06,479
Speaker 7: over the phone. We don't want to waste time, you know.

488
00:23:06,680 --> 00:23:08,880
Speaker 7: But the thing is that pick the phone up and

489
00:23:08,880 --> 00:23:13,119
Speaker 7: call and start reading. Right. Everybody gets everybody's probably had

490
00:23:13,119 --> 00:23:15,520
Speaker 7: a credit card, even a bank card, and you get

491
00:23:15,520 --> 00:23:18,640
Speaker 7: the bank card, put your bank card off, and nobody

492
00:23:18,680 --> 00:23:21,320
Speaker 7: goes and reads the fine print on the paperwork that

493
00:23:21,359 --> 00:23:24,200
Speaker 7: they get. Nobody has thoroughly went through and read every

494
00:23:24,240 --> 00:23:27,760
Speaker 7: single page that come with a bank with a debit

495
00:23:27,800 --> 00:23:30,879
Speaker 7: card or a credit card to see the benefits and perks,

496
00:23:30,880 --> 00:23:33,720
Speaker 7: to really dissect it and grow from it. So I

497
00:23:33,760 --> 00:23:37,439
Speaker 7: gave you guys three credit cards to go apply for

498
00:23:37,840 --> 00:23:40,639
Speaker 7: that can give you fifteen to twenty five thousand, and

499
00:23:40,680 --> 00:23:42,479
Speaker 7: I slick just told you guys how to hide your

500
00:23:42,480 --> 00:23:44,520
Speaker 7: credit utilization. I don't want to go too hard because

501
00:23:45,320 --> 00:23:50,440
Speaker 7: there all night and you know, it's just so much

502
00:23:50,480 --> 00:23:53,320
Speaker 7: as possible. And let me explain something business credit. Right,

503
00:23:53,359 --> 00:23:55,600
Speaker 7: business credit you can get when you build your credit

504
00:23:55,640 --> 00:23:58,480
Speaker 7: report up. I'm gonna run something down to you. Right,

505
00:23:58,840 --> 00:24:02,399
Speaker 7: is that when it comes to credit and business credit,

506
00:24:02,720 --> 00:24:04,320
Speaker 7: a lot of times people go out and think that

507
00:24:04,359 --> 00:24:06,200
Speaker 7: they get a business credit card and they get a

508
00:24:06,200 --> 00:24:09,000
Speaker 7: business credit card of five ten thousand. Right, let me

509
00:24:09,040 --> 00:24:11,800
Speaker 7: explain to you why you got that limit. Right, You

510
00:24:11,920 --> 00:24:16,040
Speaker 7: got that limit because your personal credit wasn't built out properly.

511
00:24:16,440 --> 00:24:16,600
Speaker 5: Right.

512
00:24:16,800 --> 00:24:19,000
Speaker 7: If you learn business credit, you can go out and

513
00:24:19,040 --> 00:24:26,120
Speaker 7: get three three times the amount of your largest credit card. Right,

514
00:24:26,359 --> 00:24:29,119
Speaker 7: So I tell people this, never go get a secure

515
00:24:29,160 --> 00:24:31,840
Speaker 7: credit card because you don't want those little limits. Never,

516
00:24:32,000 --> 00:24:34,399
Speaker 7: you know, when you build and get a secured loan instead,

517
00:24:34,560 --> 00:24:37,760
Speaker 7: when you're building your credit report out. But once you

518
00:24:37,840 --> 00:24:40,880
Speaker 7: go out and acquire credit cards, grow your credit cards

519
00:24:40,880 --> 00:24:43,160
Speaker 7: for like six months to a year, every six months

520
00:24:43,160 --> 00:24:46,080
Speaker 7: asking for an increase. When you go to get business credit,

521
00:24:46,080 --> 00:24:47,600
Speaker 7: you can start up a new business and go get

522
00:24:47,640 --> 00:24:50,720
Speaker 7: business credit, and it'll be based off of your personal

523
00:24:50,760 --> 00:24:53,919
Speaker 7: credit report. So if you have large lines of credit

524
00:24:53,920 --> 00:24:57,159
Speaker 7: on your personal credit report, guess what happens Now you

525
00:24:57,200 --> 00:25:00,480
Speaker 7: get larger lines of business credit. That are going in

526
00:25:00,560 --> 00:25:02,240
Speaker 7: there and saying, oh, yeah, I got this five hundred

527
00:25:02,280 --> 00:25:05,360
Speaker 7: dollars secure credit card on my credit report and these

528
00:25:05,480 --> 00:25:08,359
Speaker 7: thousand dollars limits. No, I want you guys to go

529
00:25:08,400 --> 00:25:10,560
Speaker 7: out use the base that I just told you. Go,

530
00:25:10,640 --> 00:25:13,720
Speaker 7: I'll get twenty five thousand dollars limits. Now after you

531
00:25:13,800 --> 00:25:16,639
Speaker 7: let those seasons for a year and properly structure your report.

532
00:25:17,160 --> 00:25:19,320
Speaker 7: Once that report is structured properly, you go out and

533
00:25:19,320 --> 00:25:22,000
Speaker 7: you see why my mentees are able to get seventy

534
00:25:22,040 --> 00:25:25,280
Speaker 7: five thousand right, be able to get seventy five thousand

535
00:25:25,280 --> 00:25:28,040
Speaker 7: dollars business credit cards one hundred thousand dollar business credit cards,

536
00:25:28,040 --> 00:25:29,679
Speaker 7: and people go, well, how do you get it? The

537
00:25:29,760 --> 00:25:32,880
Speaker 7: issue is nobody has the patience to build. Everybody wants

538
00:25:32,920 --> 00:25:36,360
Speaker 7: something overnight. We want to microwave success. Right, You've been

539
00:25:36,440 --> 00:25:40,600
Speaker 7: working twenty years making thirty thousand a year, but when

540
00:25:40,640 --> 00:25:42,760
Speaker 7: it comes to credit, you wanted to give you three

541
00:25:42,840 --> 00:25:46,520
Speaker 7: hundred thousand today. But your job and what you work

542
00:25:46,560 --> 00:25:49,320
Speaker 7: for hasn't delivered that. Right. You have to have patients

543
00:25:49,560 --> 00:25:53,200
Speaker 7: build your credit report out, properly, structure it properly, right,

544
00:25:53,560 --> 00:25:56,280
Speaker 7: let it grow, give it some time. Don't expect it

545
00:25:56,320 --> 00:25:58,960
Speaker 7: to get I'm giving you guys gyms that you can

546
00:25:59,000 --> 00:26:01,320
Speaker 7: go and implement now for personal side. But when it

547
00:26:01,359 --> 00:26:03,520
Speaker 7: comes to business, it's a little more of a process

548
00:26:03,720 --> 00:26:05,440
Speaker 7: because you have to build your report out and you

549
00:26:05,520 --> 00:26:08,480
Speaker 7: want to let those credit cards season right, and you

550
00:26:08,480 --> 00:26:11,040
Speaker 7: don't want to get you you're gonna get automatic denials

551
00:26:11,160 --> 00:26:14,280
Speaker 7: if you start applying for credit within a six months

552
00:26:14,480 --> 00:26:17,600
Speaker 7: of applying, you get more denials when you've got new

553
00:26:17,600 --> 00:26:21,240
Speaker 7: accounts in the last six months. So build that report

554
00:26:21,280 --> 00:26:23,439
Speaker 7: out right. Let that report build out. Once you let

555
00:26:23,520 --> 00:26:26,080
Speaker 7: that report build out, then you guys start looking at

556
00:26:26,160 --> 00:26:29,160
Speaker 7: business credit and now you get larger limits. But take

557
00:26:29,200 --> 00:26:32,240
Speaker 7: your time. It's not a rushing don't rush and think

558
00:26:32,280 --> 00:26:33,680
Speaker 7: that hey I need to go get this. I'm gonna

559
00:26:33,680 --> 00:26:37,160
Speaker 7: get this tomorrow. Hey it might be a year process,

560
00:26:37,359 --> 00:26:39,640
Speaker 7: but in a year process, you want to go from

561
00:26:39,760 --> 00:26:42,840
Speaker 7: getting twenty five thousand dollars in business credit or getting

562
00:26:43,160 --> 00:26:45,320
Speaker 7: one hundred and twenty five thousand two hundred and twenty

563
00:26:45,320 --> 00:26:48,320
Speaker 7: five thousand in business credit. That makes the difference. So

564
00:26:49,119 --> 00:26:52,919
Speaker 7: that's my lesson for the night. I gave you got

565
00:26:52,920 --> 00:26:55,359
Speaker 7: a street credit cards. I told you how to hire utilization,

566
00:26:56,560 --> 00:26:58,440
Speaker 7: and really you just want to build that report out,

567
00:26:58,600 --> 00:27:00,200
Speaker 7: and then I know we're gonna take the queuing. Ain't

568
00:27:00,240 --> 00:27:02,640
Speaker 7: That's gonna get me deeper into some more topics.

569
00:27:02,880 --> 00:27:04,919
Speaker 5: Yeah, first and foremost, thank you for that.

570
00:27:05,080 --> 00:27:05,320
Speaker 4: Man.

571
00:27:06,680 --> 00:27:09,360
Speaker 5: That was a lot to tell you to do this dangerous.

572
00:27:08,960 --> 00:27:12,560
Speaker 4: Man, he's the most most dangerous. It's probably the most dangerous.

573
00:27:12,960 --> 00:27:14,800
Speaker 4: It's top two, maybe.

574
00:27:14,520 --> 00:27:18,440
Speaker 8: Not Yeah, I told you, bro, I told you top too,

575
00:27:18,480 --> 00:27:19,160
Speaker 8: maybe not too.

576
00:27:19,840 --> 00:27:23,000
Speaker 5: Yo, Yeah, to most most dangerous people on the internet.

577
00:27:23,080 --> 00:27:24,880
Speaker 7: Ya. Man, if they come for me, man, y'all better

578
00:27:24,960 --> 00:27:29,399
Speaker 7: protect me. I'm telling y'all, so y'all better ride for me, right,

579
00:27:29,760 --> 00:27:31,560
Speaker 7: this is yo. They come for me.

580
00:27:32,080 --> 00:27:33,560
Speaker 8: When dudes get a locked you think they call it

581
00:27:33,600 --> 00:27:34,879
Speaker 8: for Bill Man, they calling us.

582
00:27:34,960 --> 00:27:37,320
Speaker 4: Yeah, we go, We're gonna, We're gonna, we're gonna, we're

583
00:27:37,320 --> 00:27:38,320
Speaker 4: gonna go on the question answer.

584
00:27:38,400 --> 00:27:38,520
Speaker 5: Wait.

585
00:27:38,560 --> 00:27:42,080
Speaker 4: Wait, but before we do that, everybody on YouTube, if

586
00:27:42,119 --> 00:27:44,080
Speaker 4: you can hit the light button that that greatly helps

587
00:27:44,119 --> 00:27:47,159
Speaker 4: the situation. So there's almost forty five hundred people on

588
00:27:47,280 --> 00:27:49,240
Speaker 4: your told you markets man, it's just a big, big,

589
00:27:49,560 --> 00:27:52,280
Speaker 4: big show, a big show. It's gonna it's gonna after

590
00:27:52,400 --> 00:27:54,280
Speaker 4: week it's gonna be like sixty thousand people that see

591
00:27:54,320 --> 00:27:54,680
Speaker 4: this video.

592
00:27:54,840 --> 00:27:57,440
Speaker 5: Man. Yeah, it's a lot e y L Man.

593
00:27:57,520 --> 00:27:59,959
Speaker 4: Ey L is a you know, it's a prestigious situation,

594
00:28:00,840 --> 00:28:06,000
Speaker 4: and oh my gosh, Marcus Marcus, Marcus always delivers. He's

595
00:28:06,000 --> 00:28:07,560
Speaker 4: one of these people we never got to worry about.

596
00:28:07,800 --> 00:28:10,240
Speaker 4: So we're gonna go right now is question answers. So

597
00:28:10,320 --> 00:28:12,639
Speaker 4: once again, if anybody wasn't here at the beginning of

598
00:28:12,680 --> 00:28:16,440
Speaker 4: the situation, this is a preview of ey L University.

599
00:28:16,520 --> 00:28:18,640
Speaker 5: We do this once a month. We call it open enrollment.

600
00:28:19,040 --> 00:28:19,920
Speaker 5: Every every week.

601
00:28:19,960 --> 00:28:23,600
Speaker 4: We have classes, we have one hundred past webinars, and

602
00:28:23,720 --> 00:28:25,360
Speaker 4: we have a movie club, we have a book club,

603
00:28:25,400 --> 00:28:27,840
Speaker 4: we have a private investment group on Facebook MG the

604
00:28:27,920 --> 00:28:33,159
Speaker 4: mortgage Guys home Buyers Blueprint is included. Yeah, and what

605
00:28:33,320 --> 00:28:37,240
Speaker 4: we also included yesterday was access to our group chat.

606
00:28:37,280 --> 00:28:40,160
Speaker 4: Once a month, we're gonna be doing group chat called Investments.

607
00:28:40,160 --> 00:28:41,880
Speaker 4: We're going to talk about our option plays that we

608
00:28:42,000 --> 00:28:45,000
Speaker 4: make in our stock plays, all of that. So this

609
00:28:45,200 --> 00:28:48,400
Speaker 4: is to show you exactly what's going on. Seventy five

610
00:28:48,440 --> 00:28:51,120
Speaker 4: percent off of Eyo University is the current discount that

611
00:28:51,160 --> 00:28:53,680
Speaker 4: we're running, which is five hundred dollars total for the

612
00:28:53,880 --> 00:28:57,200
Speaker 4: entire year. And that link is penned and then also

613
00:28:57,920 --> 00:29:01,840
Speaker 4: also for him five hundred, I know everybody follows him

614
00:29:01,880 --> 00:29:04,800
Speaker 4: and that they're pretty you know, well versed on what

615
00:29:04,960 --> 00:29:07,560
Speaker 4: recession proof of if you're not familiar, recession proofs his

616
00:29:07,640 --> 00:29:10,280
Speaker 4: community where he actually he talked about his mentees, that's

617
00:29:10,320 --> 00:29:13,120
Speaker 4: what he's talking about, his mentees where he actually has

618
00:29:13,320 --> 00:29:15,520
Speaker 4: like you know, these kind of calls, but and more

619
00:29:15,600 --> 00:29:17,520
Speaker 4: in depth and videos and all of that, and then

620
00:29:17,560 --> 00:29:19,200
Speaker 4: they go on trips and it's a whole it's a

621
00:29:19,240 --> 00:29:22,040
Speaker 4: whole process. And when he came on the episode, if

622
00:29:22,080 --> 00:29:24,120
Speaker 4: you know we did that five hundred dollars off for

623
00:29:24,200 --> 00:29:27,880
Speaker 4: ey L, that website is our he asks e y

624
00:29:28,080 --> 00:29:31,040
Speaker 4: L dot com And that's a special discount that it's

625
00:29:31,040 --> 00:29:33,120
Speaker 4: the cheapest place that you can get his program is

626
00:29:33,240 --> 00:29:36,360
Speaker 4: on is on that site. In conjunction with that, so

627
00:29:36,480 --> 00:29:37,600
Speaker 4: thank you for that. I'm to put that in the

628
00:29:37,640 --> 00:29:39,960
Speaker 4: group chat also. But let's get the questions.

629
00:29:40,000 --> 00:29:40,960
Speaker 5: This this is another this.

630
00:29:42,840 --> 00:29:45,160
Speaker 4: Is like, this is what really separates EYO University from

631
00:29:45,320 --> 00:29:47,680
Speaker 4: just a regular podcast because you get to actually ask questions.

632
00:29:47,760 --> 00:29:49,480
Speaker 3: So there might have been something that we forgot to

633
00:29:49,520 --> 00:29:50,960
Speaker 3: ask that they like yo, y'all should have asked that.

634
00:29:51,080 --> 00:29:52,240
Speaker 3: So now now it's stay turned.

635
00:29:52,320 --> 00:29:53,600
Speaker 5: Yeah, lets let's let's get it.

636
00:29:54,000 --> 00:29:56,280
Speaker 3: Yeah, let's see eat and were coming to you mut yourself.

637
00:29:56,280 --> 00:29:58,840
Speaker 3: You've been unmuted and now this works. No fridge breaks.

638
00:29:58,880 --> 00:29:59,680
Speaker 3: It's not the time for that.

639
00:30:00,520 --> 00:30:00,880
Speaker 7: Mm hm.

640
00:30:02,320 --> 00:30:05,040
Speaker 9: And how y'all doing. Appreciate you guys, thanks for uh

641
00:30:05,800 --> 00:30:11,440
Speaker 9: for doing this. This is incredible. Although all right, Marcus,

642
00:30:11,440 --> 00:30:15,800
Speaker 9: that a quick question. How can we get credit for

643
00:30:16,560 --> 00:30:17,280
Speaker 9: purchase at home?

644
00:30:17,560 --> 00:30:18,280
Speaker 8: Is that possible?

645
00:30:19,480 --> 00:30:20,760
Speaker 5: So for the down payment?

646
00:30:21,640 --> 00:30:24,920
Speaker 9: That is, so if you're going out to purchase at home, uh,

647
00:30:25,120 --> 00:30:27,160
Speaker 9: and you don't want to put on put your own

648
00:30:27,280 --> 00:30:30,360
Speaker 9: cash for your for the down payment.

649
00:30:31,680 --> 00:30:37,920
Speaker 7: Okay, you about to go off question listen, uh man,

650
00:30:38,000 --> 00:30:41,560
Speaker 7: y'all'll build them. So one of the things that you

651
00:30:41,600 --> 00:30:43,600
Speaker 7: can't use a credit card to make a down payment,

652
00:30:43,760 --> 00:30:46,959
Speaker 7: right because they look at your credit report to check

653
00:30:47,000 --> 00:30:49,360
Speaker 7: if that's the income racials and they want your balance

654
00:30:49,400 --> 00:30:52,000
Speaker 7: as low. But what happens is, you know, if you look,

655
00:30:52,840 --> 00:30:59,000
Speaker 7: if you literally if if your utilization doesn't show, they

656
00:30:59,040 --> 00:31:03,200
Speaker 7: can't see, right. So if you understood what I just said,

657
00:31:03,360 --> 00:31:09,160
Speaker 7: like about literally your utilization with your credit cards with

658
00:31:09,280 --> 00:31:12,560
Speaker 7: switching them, if they can't see it, then they then

659
00:31:12,680 --> 00:31:16,720
Speaker 7: it's zero right or five percent? So the goal is

660
00:31:16,920 --> 00:31:18,440
Speaker 7: to make it to where they can't see it. So

661
00:31:18,760 --> 00:31:20,640
Speaker 7: you want to pull the money off of one credit card.

662
00:31:20,720 --> 00:31:22,680
Speaker 7: So if you got two credit cards for twenty five thousand,

663
00:31:22,680 --> 00:31:24,800
Speaker 7: you're gonna take twenty five thousand off of one, and

664
00:31:24,920 --> 00:31:26,719
Speaker 7: when it's due, you're going to pay it back, right,

665
00:31:27,200 --> 00:31:29,000
Speaker 7: and then you're going to circulate it. When this one

666
00:31:29,080 --> 00:31:30,840
Speaker 7: is due, you're going to pay it back. So now

667
00:31:30,960 --> 00:31:33,520
Speaker 7: it's showing at zero, so both of them are reporting

668
00:31:33,520 --> 00:31:34,760
Speaker 7: at zero. They can't even tell that the.

669
00:31:34,800 --> 00:31:35,400
Speaker 10: Money is gone.

670
00:31:36,320 --> 00:31:39,360
Speaker 7: So that's literally that's one of the things that you

671
00:31:39,480 --> 00:31:41,920
Speaker 7: can do when it comes to pulling the money off

672
00:31:42,440 --> 00:31:45,120
Speaker 7: I mean when it comes to buying a house using

673
00:31:45,160 --> 00:31:46,680
Speaker 7: a credit card, is that you're gonna be able to

674
00:31:46,720 --> 00:31:49,040
Speaker 7: pull it that way. Just make sure that your utilization

675
00:31:49,160 --> 00:31:52,040
Speaker 7: doesn't show. So just watch your credit card, see when

676
00:31:52,080 --> 00:31:56,640
Speaker 7: it reports your utilization and know that, okay, it's reporting

677
00:31:56,680 --> 00:32:00,520
Speaker 7: on my actual closing date. And then I'm know, okay,

678
00:32:00,600 --> 00:32:02,440
Speaker 7: here it needs to be at zero this state, and

679
00:32:02,520 --> 00:32:04,240
Speaker 7: then it needs to be at zero on this state.

680
00:32:04,400 --> 00:32:08,280
Speaker 7: Now they can't see it. So you took twenty five

681
00:32:08,360 --> 00:32:10,840
Speaker 7: thousand off and good to go.

682
00:32:13,120 --> 00:32:13,760
Speaker 5: Appreciate that.

683
00:32:13,880 --> 00:32:17,960
Speaker 8: He appreciate that let's go, Steve, you've been on muted.

684
00:32:18,000 --> 00:32:18,640
Speaker 8: Immute yourself.

685
00:32:21,400 --> 00:32:23,560
Speaker 5: You hear me, Yeah, we hear you, Steve.

686
00:32:23,600 --> 00:32:24,240
Speaker 8: What's going on, bro?

687
00:32:25,440 --> 00:32:27,560
Speaker 7: Thank you guys for everything. I'm a big fan. Let

688
00:32:27,600 --> 00:32:30,600
Speaker 7: me get straight through it. So Marcus, I was at

689
00:32:30,640 --> 00:32:30,840
Speaker 7: the gym.

690
00:32:30,920 --> 00:32:31,200
Speaker 8: I back.

691
00:32:31,800 --> 00:32:33,960
Speaker 7: So this is this question from my guy.

692
00:32:34,480 --> 00:32:36,720
Speaker 11: He's getting his car, his car repulled because he just

693
00:32:36,760 --> 00:32:38,960
Speaker 11: purchased and got tired of paying the He got ripped

694
00:32:39,000 --> 00:32:42,160
Speaker 11: off because he was in a bad situation. Now I

695
00:32:42,320 --> 00:32:45,560
Speaker 11: read that if you voluntary repossess your own car, the

696
00:32:45,600 --> 00:32:47,920
Speaker 11: only thing that happens is that you still get hit

697
00:32:47,960 --> 00:32:51,080
Speaker 11: with TEMP one hundred points to your credit score. Now

698
00:32:51,360 --> 00:32:55,920
Speaker 11: to fix that hundred point decrease, would you wait till

699
00:32:55,920 --> 00:32:57,760
Speaker 11: it hits or would you go ahead and.

700
00:32:59,680 --> 00:33:03,040
Speaker 7: Block the credit used to see it? And if I'm

701
00:33:03,040 --> 00:33:10,680
Speaker 7: making us up there, no, So the volunteer involunteer report,

702
00:33:10,680 --> 00:33:12,479
Speaker 7: it's going to show up on his credit for as

703
00:33:12,480 --> 00:33:17,400
Speaker 7: a repot, and it's not a certain it's not a

704
00:33:17,520 --> 00:33:22,760
Speaker 7: certain points that it goes down. It'll be based strictly

705
00:33:22,800 --> 00:33:25,520
Speaker 7: off of his credit profile and how it's built, so

706
00:33:25,560 --> 00:33:27,880
Speaker 7: it's not a certain amount of points. But hey, it's

707
00:33:27,880 --> 00:33:31,840
Speaker 7: gonna drop a hundred points, right, And that's not that's

708
00:33:32,400 --> 00:33:34,920
Speaker 7: not true. What's gonna happen is is that he's going

709
00:33:35,000 --> 00:33:38,640
Speaker 7: to get a repossession on his credit report and then

710
00:33:38,720 --> 00:33:41,239
Speaker 7: he has to deal with that. So it's no way

711
00:33:41,320 --> 00:33:44,880
Speaker 7: to block it. He can, you know, fight it, but

712
00:33:45,320 --> 00:33:47,400
Speaker 7: with it being so fresh and so new, with it

713
00:33:47,480 --> 00:33:50,080
Speaker 7: being fresh like that, I don't think I wouldn't get

714
00:33:50,120 --> 00:33:52,640
Speaker 7: a car back and take the repot just because I

715
00:33:52,800 --> 00:33:55,200
Speaker 7: know the damage is that it's gonna do to my credit. Uh,

716
00:33:56,040 --> 00:33:58,240
Speaker 7: but it's not a hundred points that he's gonna lose.

717
00:33:58,480 --> 00:34:00,840
Speaker 7: He's going to have a repossessed in his credit report,

718
00:34:01,160 --> 00:34:06,840
Speaker 7: and whatever you know happens is gonna happen. So however

719
00:34:06,920 --> 00:34:08,919
Speaker 7: much damage it takes, he could take a two hundred point,

720
00:34:08,960 --> 00:34:12,080
Speaker 7: it could take a thirty point, I don't know, but

721
00:34:12,680 --> 00:34:15,800
Speaker 7: he's gonna get crushed, especially if he's already missing payments.

722
00:34:15,800 --> 00:34:16,799
Speaker 7: He's getting crushed as well.

723
00:34:18,600 --> 00:34:21,160
Speaker 11: So can you use your method to fix it once

724
00:34:21,200 --> 00:34:21,839
Speaker 11: it hits his credit?

725
00:34:21,960 --> 00:34:26,680
Speaker 7: For he can, but I don't tell people. I'm more

726
00:34:26,800 --> 00:34:28,759
Speaker 7: so if you already got the negative items on there,

727
00:34:28,840 --> 00:34:30,800
Speaker 7: then fight them and we can, you know, try to

728
00:34:30,880 --> 00:34:33,960
Speaker 7: remedy the report. But I'm not one that's going to

729
00:34:34,040 --> 00:34:36,200
Speaker 7: ever tell you, hey, you have a little repossession, hits

730
00:34:36,200 --> 00:34:38,560
Speaker 7: your credit, because it's possible you can fight and get

731
00:34:38,600 --> 00:34:41,080
Speaker 7: it removed. Sometimes it takes a year to get things

732
00:34:41,120 --> 00:34:43,640
Speaker 7: removed off your credit. Sometimes it takes two. Sometimes it

733
00:34:43,680 --> 00:34:46,480
Speaker 7: don't come off and you gotta pay it. So it's

734
00:34:46,560 --> 00:34:49,080
Speaker 7: not oh yeah, guaranteed things are gonna come off. That's

735
00:34:49,239 --> 00:34:52,360
Speaker 7: never the case. He can, he can try to remedy it,

736
00:34:52,440 --> 00:34:54,279
Speaker 7: but it's never the case that it's going to come off,

737
00:34:54,360 --> 00:34:56,200
Speaker 7: and especially all three credit bureaus.

738
00:34:58,600 --> 00:35:01,200
Speaker 8: Thank you, Steve, appreciate that. Appreciate that.

739
00:35:01,640 --> 00:35:06,799
Speaker 3: Don't repoll that vehicle, don't get your don't get your car. Mac,

740
00:35:06,840 --> 00:35:08,279
Speaker 3: We're coming to you. I haven't seen my boy in

741
00:35:08,320 --> 00:35:10,200
Speaker 3: a minute. Mcatize we coming to you. I'm mute yourself.

742
00:35:10,239 --> 00:35:10,840
Speaker 3: You've been unmuted.

743
00:35:10,920 --> 00:35:11,400
Speaker 8: What's going on?

744
00:35:12,080 --> 00:35:12,640
Speaker 12: What's going on?

745
00:35:12,840 --> 00:35:13,080
Speaker 8: Guys?

746
00:35:13,239 --> 00:35:17,080
Speaker 7: Thank you for everything else I'm doing for the community. Yes,

747
00:35:17,280 --> 00:35:18,600
Speaker 7: that I have from Marcus.

748
00:35:18,760 --> 00:35:20,399
Speaker 11: Is it a good idea if you pay your credit

749
00:35:20,480 --> 00:35:22,239
Speaker 11: card and not use it or you have to keep

750
00:35:22,560 --> 00:35:26,040
Speaker 11: using it, if you like, pay it off and then

751
00:35:26,080 --> 00:35:27,560
Speaker 11: don't use it, So.

752
00:35:27,680 --> 00:35:29,160
Speaker 4: Like, yeah, that's a good question. So like if you

753
00:35:29,239 --> 00:35:32,879
Speaker 4: have a credit card Marcus, and it has a zero

754
00:35:33,000 --> 00:35:35,600
Speaker 4: balance because you're just not using it at all. Will

755
00:35:35,640 --> 00:35:37,800
Speaker 4: that hurt your credit or should you use every credit

756
00:35:37,840 --> 00:35:38,480
Speaker 4: card that you have?

757
00:35:40,000 --> 00:35:43,640
Speaker 7: Like, no matter what, you're gonna want to balance it right? Well, see,

758
00:35:43,680 --> 00:35:45,520
Speaker 7: I teach I teach people how to get fifteen credit

759
00:35:45,600 --> 00:35:49,640
Speaker 7: card with five inquiries, So I teach people how to

760
00:35:49,719 --> 00:35:52,200
Speaker 7: balance and kind of rotate it. Because what's going to

761
00:35:52,239 --> 00:35:55,440
Speaker 7: happen is you always want to use your credit cards, right,

762
00:35:56,080 --> 00:35:59,520
Speaker 7: It's no reason that you shouldn't. So to answer your question,

763
00:35:59,800 --> 00:36:03,440
Speaker 7: use it right one hundred percent. If you don't, you know,

764
00:36:03,600 --> 00:36:06,440
Speaker 7: put every expense that you can on your credit cards, right,

765
00:36:06,640 --> 00:36:09,480
Speaker 7: not only for the reward points, but to increase the limits.

766
00:36:09,760 --> 00:36:11,840
Speaker 7: Right now, if you don't have a business, you're not

767
00:36:11,920 --> 00:36:15,080
Speaker 7: looking at invest in anything, just put all your personal

768
00:36:15,160 --> 00:36:17,680
Speaker 7: expenses on your credit card. Once you start putting all

769
00:36:17,680 --> 00:36:20,040
Speaker 7: your personal expense on your credit card, your credit card

770
00:36:20,120 --> 00:36:22,759
Speaker 7: limit grows, right. So then whenever you get in time

771
00:36:22,840 --> 00:36:24,880
Speaker 7: of a need or you actually need to go on

772
00:36:25,080 --> 00:36:28,640
Speaker 7: and you need a resource, you have it and it's larger. Right.

773
00:36:28,800 --> 00:36:30,799
Speaker 7: The worst case, you want to sit on a ten

774
00:36:30,840 --> 00:36:32,800
Speaker 7: thousand dollars credit card, and since you're not using it

775
00:36:32,880 --> 00:36:35,480
Speaker 7: to bank shrinks and go, oh, well, since you don't

776
00:36:35,520 --> 00:36:37,560
Speaker 7: need it, we won't shrink your limit down in three thousand.

777
00:36:38,680 --> 00:36:41,360
Speaker 7: So you always want to use it and increase the

778
00:36:41,480 --> 00:36:43,960
Speaker 7: limits and just put all your personal bills on it

779
00:36:45,280 --> 00:36:48,080
Speaker 7: and really just grow it like that. If if you

780
00:36:48,239 --> 00:36:52,480
Speaker 7: got charge cards which are based off of like your

781
00:36:52,520 --> 00:36:56,280
Speaker 7: American Express Platinum, those are based off of your spending habits.

782
00:36:56,280 --> 00:36:58,279
Speaker 7: So if you're trying to grow that limit and you

783
00:36:58,400 --> 00:37:03,120
Speaker 7: don't have a business like things, I did was, man,

784
00:37:03,280 --> 00:37:10,160
Speaker 7: here you go. So I started doing working with business owners, right,

785
00:37:10,239 --> 00:37:12,080
Speaker 7: So if you got good credit, a lot of times

786
00:37:12,160 --> 00:37:14,280
Speaker 7: people who own businesses deal with a lot of cash.

787
00:37:14,800 --> 00:37:19,719
Speaker 7: And one of my guys worked in for a watch store, right,

788
00:37:20,360 --> 00:37:23,080
Speaker 7: And he worked for a watch store, and he explained

789
00:37:23,120 --> 00:37:25,800
Speaker 7: to me, hey, listen, a lot of times when we

790
00:37:25,880 --> 00:37:30,880
Speaker 7: buy these luxury watches back, we buy him underpriced. And

791
00:37:31,000 --> 00:37:35,000
Speaker 7: since we became underpriced, we probably got a mark up

792
00:37:35,040 --> 00:37:38,239
Speaker 7: of about three thousand, right. So what I did was

793
00:37:38,280 --> 00:37:40,279
Speaker 7: I said, well, if you can do a three dollar

794
00:37:40,360 --> 00:37:42,120
Speaker 7: mark up, can we split it? He was like yeah,

795
00:37:43,280 --> 00:37:45,600
Speaker 7: So we did the first watch it like it probably

796
00:37:45,719 --> 00:37:48,640
Speaker 7: was twelve thousand. I spid my car for got to watch.

797
00:37:48,960 --> 00:37:50,919
Speaker 7: He was like, I can have a resold within a week.

798
00:37:51,080 --> 00:37:53,920
Speaker 7: He'd been in the industry for forever, so he resold

799
00:37:53,960 --> 00:37:55,920
Speaker 7: it in a week. We made three thousand dollars. But

800
00:37:56,080 --> 00:37:58,399
Speaker 7: what happened was I just got a twelve thousand dollars

801
00:37:58,440 --> 00:38:01,520
Speaker 7: spin on my credit card, also got the reward points

802
00:38:01,600 --> 00:38:05,320
Speaker 7: and made fifteen hundred dollars. Over time we built that relationship.

803
00:38:05,440 --> 00:38:07,759
Speaker 7: I end up letting him just hold one to I

804
00:38:07,840 --> 00:38:10,080
Speaker 7: added him as an authorized user to my Platinum and

805
00:38:10,200 --> 00:38:12,640
Speaker 7: let him hold a car. He helped me grow to

806
00:38:12,719 --> 00:38:14,279
Speaker 7: my limit to where now I got a limit on

807
00:38:14,360 --> 00:38:17,320
Speaker 7: my Platinum two hundred and fifty thousand. Because he was

808
00:38:17,400 --> 00:38:21,200
Speaker 7: constantly spentding twenty thousand, forty thousand, seven thousand, six thousand

809
00:38:21,239 --> 00:38:24,080
Speaker 7: on watches, plus my expenditures, we grew the limit. So

810
00:38:24,120 --> 00:38:26,840
Speaker 7: I tell a lot of times people say, never you

811
00:38:26,920 --> 00:38:28,440
Speaker 7: want to figure out some kind of creative way to

812
00:38:28,560 --> 00:38:28,719
Speaker 7: use it.

813
00:38:28,800 --> 00:38:31,840
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814
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815
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816
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817
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818
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820
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821
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822
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823
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825
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826
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827
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828
00:39:14,280 --> 00:39:16,680
Speaker 3: You ever walk into a small business and everything just

829
00:39:16,920 --> 00:39:20,040
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830
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831
00:39:23,600 --> 00:39:27,719
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832
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833
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834
00:39:33,760 --> 00:39:36,000
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835
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836
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837
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Speaker 3: one simple system. If you're a business owner or even

838
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839
00:39:50,840 --> 00:39:53,120
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840
00:39:53,560 --> 00:39:57,080
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841
00:39:57,160 --> 00:39:59,960
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842
00:40:00,680 --> 00:40:03,879
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843
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844
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845
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846
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847
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848
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Speaker 7: Could be not working with business owners. I have another

864
00:41:21,360 --> 00:41:23,080
Speaker 7: friend that has a restaurant and they do their food

865
00:41:23,160 --> 00:41:27,960
Speaker 7: costs off off of my Green American Express charge card

866
00:41:28,200 --> 00:41:31,200
Speaker 7: and they just buy food every single week for their restaurant. Well,

867
00:41:31,560 --> 00:41:35,200
Speaker 7: they helped my limit grow. So just be creative with

868
00:41:35,320 --> 00:41:37,000
Speaker 7: the way that we use it. That sometimes you may

869
00:41:37,040 --> 00:41:38,640
Speaker 7: be the one with good credit, but you have a

870
00:41:38,719 --> 00:41:42,080
Speaker 7: family member who's cash heavy and they just deal with cash,

871
00:41:42,440 --> 00:41:44,560
Speaker 7: and a credit card will make their life a lot easier,

872
00:41:45,120 --> 00:41:47,759
Speaker 7: and them making your life easier helps your limits grow.

873
00:41:48,080 --> 00:41:51,120
Speaker 7: And now you turn around and you go, I'm three

874
00:41:51,239 --> 00:41:53,160
Speaker 7: hundred thousand up. You know what I mean, Like I

875
00:41:53,200 --> 00:41:55,520
Speaker 7: got a realistically, I got like a half a million

876
00:41:55,560 --> 00:42:00,680
Speaker 7: on charge cards just from these two. You know, it's

877
00:42:00,719 --> 00:42:03,719
Speaker 7: just being creative and applying it. So my answer is, no,

878
00:42:03,840 --> 00:42:06,200
Speaker 7: don't ever just let it sit dormant. They'll shut your

879
00:42:06,200 --> 00:42:09,320
Speaker 7: account down after a while, they'll decrease your limits. So

880
00:42:09,680 --> 00:42:12,279
Speaker 7: just you know, be mindful, always want to use it

881
00:42:12,320 --> 00:42:15,640
Speaker 7: and grow those limits because we need, especially if we're

882
00:42:15,680 --> 00:42:17,719
Speaker 7: not cash heavy, we want to have something.

883
00:42:17,480 --> 00:42:20,800
Speaker 3: To fall back on, so Marcus, when they close it

884
00:42:22,280 --> 00:42:24,200
Speaker 3: does it negatively affects your credit score?

885
00:42:24,280 --> 00:42:24,520
Speaker 8: Correct?

886
00:42:25,440 --> 00:42:27,600
Speaker 7: It negatively affects your credit score because you lose a

887
00:42:27,640 --> 00:42:31,080
Speaker 7: positive account. So just like when you pay your car

888
00:42:31,200 --> 00:42:34,040
Speaker 7: off and your credit score drops, well because you closed

889
00:42:34,200 --> 00:42:37,839
Speaker 7: and lost one of your positive accounts, because the number

890
00:42:37,840 --> 00:42:41,000
Speaker 7: of accounts and your credit report drastically impacts your credit.

891
00:42:41,080 --> 00:42:43,799
Speaker 7: So when you lose that account, it drops your score.

892
00:42:45,280 --> 00:42:46,759
Speaker 5: Let me ask you this before we go to another card.

893
00:42:47,080 --> 00:42:49,319
Speaker 8: Can you appreciate you Matt?

894
00:42:50,320 --> 00:42:53,359
Speaker 4: Can you talk about business credit like that's a big

895
00:42:53,440 --> 00:42:56,040
Speaker 4: thing for people. I don't think people fully understand, Like

896
00:42:56,120 --> 00:42:57,680
Speaker 4: can you just talk about that for a couple of minutes?

897
00:42:57,840 --> 00:43:00,440
Speaker 4: Is like how to establish business credit? I know it

898
00:43:00,560 --> 00:43:02,720
Speaker 4: is different from like establishing personal credit.

899
00:43:03,800 --> 00:43:07,160
Speaker 7: I'm not the super business credit guy. I'm the more

900
00:43:07,239 --> 00:43:09,920
Speaker 7: so your personal what we do with the personal getting

901
00:43:09,920 --> 00:43:13,920
Speaker 7: into the business. I tell people to establishing just on

902
00:43:14,000 --> 00:43:16,759
Speaker 7: the surface. I'm not going to go too deep because

903
00:43:16,760 --> 00:43:18,960
Speaker 7: I don't want to start the business credit questions, but

904
00:43:20,360 --> 00:43:23,719
Speaker 7: just always make sure everything is set up properly. Make

905
00:43:23,760 --> 00:43:26,400
Speaker 7: sure when you go out and you set you the

906
00:43:26,800 --> 00:43:28,480
Speaker 7: things you want to do is have a one eight

907
00:43:28,600 --> 00:43:33,680
Speaker 7: hundred number right, have a physical office address, make sure

908
00:43:33,719 --> 00:43:36,160
Speaker 7: that matches. Get that before you set your LLC up.

909
00:43:36,320 --> 00:43:39,000
Speaker 7: When you set your LLC up, your LLC shouldn't say

910
00:43:40,600 --> 00:43:43,319
Speaker 7: you know your home address, your personal cell phone number,

911
00:43:43,520 --> 00:43:47,640
Speaker 7: your personal email address, right. And that's the things that

912
00:43:47,840 --> 00:43:49,480
Speaker 7: you kind of want to be mindful of because a

913
00:43:49,520 --> 00:43:51,800
Speaker 7: lot of times, you know, you go to register your business,

914
00:43:51,840 --> 00:43:54,000
Speaker 7: you go for business funded and your email on your

915
00:43:54,520 --> 00:43:57,560
Speaker 7: on the Secretary of State is uh Poppy Tulo six

916
00:43:57,680 --> 00:44:01,120
Speaker 7: ninety six nine at gmail dot com. It's like, yo, yo,

917
00:44:01,239 --> 00:44:02,279
Speaker 7: how serious is this guy?

918
00:44:02,400 --> 00:44:02,520
Speaker 8: Right?

919
00:44:02,680 --> 00:44:05,880
Speaker 7: Versus Marcus Borney at him five hundred dot com. It's

920
00:44:05,960 --> 00:44:08,160
Speaker 7: a big difference when you're looking at it and you

921
00:44:08,280 --> 00:44:12,920
Speaker 7: got underwrite and evaluating your business and how serious you

922
00:44:13,000 --> 00:44:14,560
Speaker 7: take it when you actually have a one eight hundred

923
00:44:14,640 --> 00:44:18,880
Speaker 7: number right that is listed on your application, and it's

924
00:44:18,960 --> 00:44:22,200
Speaker 7: listed on your Secretary of State. It's all in conjunction.

925
00:44:22,400 --> 00:44:24,520
Speaker 7: So those things to be mindful of when you're setting

926
00:44:24,600 --> 00:44:25,200
Speaker 7: up your business.

927
00:44:25,920 --> 00:44:27,560
Speaker 4: Yeah, that's one thing that we learned with our business

928
00:44:27,600 --> 00:44:29,520
Speaker 4: credit too, is that you definitely got to have a

929
00:44:29,560 --> 00:44:33,000
Speaker 4: separate number. And the address is important, but it could

930
00:44:33,000 --> 00:44:37,040
Speaker 4: be a virtual address, and it could be a virtual number,

931
00:44:37,120 --> 00:44:40,919
Speaker 4: Google number. But that's something that definitely had to learn

932
00:44:41,480 --> 00:44:42,000
Speaker 4: the hard way.

933
00:44:42,200 --> 00:44:43,600
Speaker 5: We're not the hardway, we just learned it.

934
00:44:44,200 --> 00:44:46,880
Speaker 3: In addition to we talked about having authorized users. Everybody

935
00:44:46,920 --> 00:44:49,040
Speaker 3: knows I talk about how I was an authorized user

936
00:44:49,600 --> 00:44:51,840
Speaker 3: since ninety eighty five of American Express. When we had

937
00:44:51,880 --> 00:44:55,080
Speaker 3: to apply for a business credit card, my history with

938
00:44:55,200 --> 00:44:57,880
Speaker 3: them is so long that we automatically jumped to a

939
00:44:57,960 --> 00:44:59,960
Speaker 3: six fit of limit. It was like, oh, this is great,

940
00:45:00,560 --> 00:45:03,600
Speaker 3: but that was because we had handled it respectfully throughout

941
00:45:03,600 --> 00:45:05,879
Speaker 3: what my parents handled respectfully, then when I had the card,

942
00:45:05,880 --> 00:45:08,320
Speaker 3: I handled it respectfully. So make sure that your personal

943
00:45:08,400 --> 00:45:10,080
Speaker 3: credit is in line too when you when you're trying

944
00:45:10,120 --> 00:45:11,160
Speaker 3: to get a business credit as well.

945
00:45:11,320 --> 00:45:13,239
Speaker 4: Yeah, and that's something that it's like, you know, one

946
00:45:13,239 --> 00:45:14,680
Speaker 4: of these things where and this is you know, the

947
00:45:14,719 --> 00:45:17,000
Speaker 4: beauty of the platform and people like Marcus and just

948
00:45:17,040 --> 00:45:18,600
Speaker 4: a whole bunch of other people online. It was like

949
00:45:19,600 --> 00:45:21,839
Speaker 4: all of this stuff's trial and error for the most part,

950
00:45:21,880 --> 00:45:24,160
Speaker 4: because you know, there's really they don't teach it in school,

951
00:45:24,640 --> 00:45:26,520
Speaker 4: even in college, they're not really teaching it. So it's like,

952
00:45:26,640 --> 00:45:30,080
Speaker 4: you know, when we had miss business on talking about

953
00:45:30,080 --> 00:45:32,160
Speaker 4: how to buy a car, your business name. She talked

954
00:45:32,160 --> 00:45:34,800
Speaker 4: about the gas car, the gas card. That's something I

955
00:45:34,920 --> 00:45:35,319
Speaker 4: just learned.

956
00:45:35,680 --> 00:45:36,200
Speaker 8: We got to get it.

957
00:45:36,360 --> 00:45:38,160
Speaker 4: And some people was in a comments like you don't

958
00:45:38,200 --> 00:45:40,239
Speaker 4: know about the gas car. I'm like, no, I didn't

959
00:45:40,239 --> 00:45:42,759
Speaker 4: know about the gas card. Didn't I'm sorry. I know

960
00:45:42,880 --> 00:45:44,759
Speaker 4: nobody taught me that, Like you know what I'm saying,

961
00:45:44,880 --> 00:45:47,120
Speaker 4: Like I'm still learning. I never act like I know

962
00:45:47,239 --> 00:45:49,960
Speaker 4: every single thing. But you know, this is so much

963
00:45:50,000 --> 00:45:53,040
Speaker 4: information as far as credit and and you know, just

964
00:45:53,280 --> 00:45:55,560
Speaker 4: like you said, personal credit and business credit to completely

965
00:45:55,600 --> 00:46:00,400
Speaker 4: different things. Cars and you know, spending limits and all

966
00:46:00,440 --> 00:46:02,759
Speaker 4: of this stuff. Is like how are you supposed to

967
00:46:02,840 --> 00:46:03,680
Speaker 4: learn it? Like you know what I'm saying.

968
00:46:03,760 --> 00:46:05,839
Speaker 3: Even when he told us, he was like, yo, don't

969
00:46:06,360 --> 00:46:09,319
Speaker 3: don't use your depicut anymore. Every since that moment, since

970
00:46:09,320 --> 00:46:11,800
Speaker 3: you came to the crib and we talked about that,

971
00:46:12,280 --> 00:46:14,680
Speaker 3: everything's been credit. It was like, wait, that makes too

972
00:46:14,760 --> 00:46:17,239
Speaker 3: much sense, Like this makes too much sense. So I said,

973
00:46:17,280 --> 00:46:19,319
Speaker 3: we don't. We're not ashamed to say, like, yo, we're learning.

974
00:46:19,640 --> 00:46:22,200
Speaker 4: I hate the people that's always looking down on somebody like,

975
00:46:22,560 --> 00:46:25,719
Speaker 4: oh you didn't know that. If we knew everything, we

976
00:46:25,760 --> 00:46:27,680
Speaker 4: wouldn't have We wouldn't have these conversations.

977
00:46:28,000 --> 00:46:29,480
Speaker 5: That's the whole point, you know.

978
00:46:29,640 --> 00:46:32,759
Speaker 7: You know what's crazy is that even with credit, right,

979
00:46:33,280 --> 00:46:34,800
Speaker 7: is that I don't know everything right. Shout out to

980
00:46:34,880 --> 00:46:38,600
Speaker 7: my uh my boy Chris uh. He dropped jewels on

981
00:46:38,680 --> 00:46:42,239
Speaker 7: me and we exchanged like banks in different information. I

982
00:46:42,360 --> 00:46:44,680
Speaker 7: explained some of these to him. He gave me finality,

983
00:46:45,560 --> 00:46:47,520
Speaker 7: like it's like, yo, I don't, I can't. I don't

984
00:46:47,600 --> 00:46:49,759
Speaker 7: know everything. People would think that, you know, hey, this

985
00:46:49,920 --> 00:46:52,440
Speaker 7: is your expertise, you should know everything. It's like, no, listen,

986
00:46:53,040 --> 00:46:54,799
Speaker 7: you know how many banks it is out here, right,

987
00:46:54,920 --> 00:46:59,200
Speaker 7: I can't have a relationship with every bank. Can't know everything.

988
00:46:59,440 --> 00:47:02,520
Speaker 7: But I'm fluent, and I learned from trial and error.

989
00:47:02,880 --> 00:47:07,160
Speaker 7: I learned from business going bankrupt. Right, Like I had

990
00:47:07,560 --> 00:47:10,120
Speaker 7: a Boost Mobile store. We got into the franchise game,

991
00:47:10,640 --> 00:47:14,840
Speaker 7: bad decision, bad location, didn't know how to evaluate it, crush,

992
00:47:15,000 --> 00:47:18,960
Speaker 7: lose every loss, all the income. And that's what made

993
00:47:18,960 --> 00:47:20,640
Speaker 7: me start looking in the credit. That's what made me

994
00:47:20,760 --> 00:47:24,080
Speaker 7: start going, well, I need something to fall back on.

995
00:47:24,200 --> 00:47:26,960
Speaker 7: I need somebody I can rely on so I can actually,

996
00:47:27,239 --> 00:47:29,480
Speaker 7: you know, have somebody to ask because I can't ask

997
00:47:29,560 --> 00:47:32,839
Speaker 7: anybody for money, you know what I mean? So that's

998
00:47:32,920 --> 00:47:34,960
Speaker 7: that's one of the things. But exactly what you said

999
00:47:35,080 --> 00:47:37,839
Speaker 7: is that, look, man, we don't know everything. Nobody can

1000
00:47:37,920 --> 00:47:41,920
Speaker 7: possibly know everything. It's just we know what works, we

1001
00:47:42,160 --> 00:47:45,120
Speaker 7: know how to get to the That's that's it. And

1002
00:47:45,239 --> 00:47:47,000
Speaker 7: a lot of times, like what I'm saying today is this,

1003
00:47:47,480 --> 00:47:50,560
Speaker 7: I'm giving you guys things that are actually things that

1004
00:47:50,640 --> 00:47:51,600
Speaker 7: you can implement now.

1005
00:47:52,160 --> 00:47:52,680
Speaker 8: You know what I mean.

1006
00:47:52,760 --> 00:47:55,440
Speaker 7: This is stuff you can implement now and take action on.

1007
00:47:57,680 --> 00:47:59,080
Speaker 5: Let's get a couple couple more questions.

1008
00:47:59,160 --> 00:48:02,480
Speaker 8: Yeah, Helena, were coming to you. Unmute yourself, You've been unmuted.

1009
00:48:02,560 --> 00:48:03,080
Speaker 8: What's going on?

1010
00:48:04,080 --> 00:48:04,239
Speaker 3: Hi?

1011
00:48:07,360 --> 00:48:09,200
Speaker 10: I'm good, Thank you guys.

1012
00:48:09,920 --> 00:48:12,680
Speaker 13: My first time raising my hands and I got picked you.

1013
00:48:13,960 --> 00:48:17,920
Speaker 7: So here's my question. It's a personal question for personal credit.

1014
00:48:18,880 --> 00:48:21,520
Speaker 13: If you have how is any hacks.

1015
00:48:21,320 --> 00:48:23,360
Speaker 7: To increase your credit?

1016
00:48:24,080 --> 00:48:27,160
Speaker 13: If you have like to you don't have any increase

1017
00:48:27,280 --> 00:48:30,520
Speaker 13: nothing on me and nothing negative, just high limits that's

1018
00:48:30,560 --> 00:48:31,480
Speaker 13: already maxed out.

1019
00:48:32,520 --> 00:48:33,960
Speaker 7: Is any hacks you to do to like.

1020
00:48:34,320 --> 00:48:36,799
Speaker 5: Increase your credit while you're trying to play it down?

1021
00:48:38,480 --> 00:48:44,360
Speaker 7: I mean, okay, yes, Well it's it's situational, right, because

1022
00:48:45,360 --> 00:48:47,400
Speaker 7: are you trying to go acquire new credit or what

1023
00:48:47,520 --> 00:48:57,400
Speaker 7: are you trying to go acquire Helena, I want to.

1024
00:48:57,800 --> 00:48:59,200
Speaker 7: I want to preach it the home. When I'm trying

1025
00:48:59,239 --> 00:49:02,080
Speaker 7: to I'm trying to purchase the whole someone to purchase

1026
00:49:02,120 --> 00:49:02,399
Speaker 7: a home.

1027
00:49:02,480 --> 00:49:03,800
Speaker 5: And that's the reason why I'm trying to get my

1028
00:49:03,880 --> 00:49:07,480
Speaker 5: credit up. Okay, if your credit your credit score up

1029
00:49:07,560 --> 00:49:08,600
Speaker 5: or your credit like.

1030
00:49:08,840 --> 00:49:13,640
Speaker 7: Not your credit score score, credit score, her credit score

1031
00:49:13,719 --> 00:49:15,360
Speaker 7: is down because of utilization correct.

1032
00:49:15,920 --> 00:49:16,240
Speaker 8: Correct?

1033
00:49:16,360 --> 00:49:17,680
Speaker 5: Yeah, so.

1034
00:49:19,800 --> 00:49:23,239
Speaker 7: If you maxed all the way out on those cars,

1035
00:49:23,280 --> 00:49:25,359
Speaker 7: they're still going to judge you off of it. Uh

1036
00:49:25,719 --> 00:49:27,480
Speaker 7: So to go buy a home, you have to get

1037
00:49:27,520 --> 00:49:30,239
Speaker 7: those there, right. Is there other ways if you were

1038
00:49:30,239 --> 00:49:32,319
Speaker 7: trying to do other things that you can build the credit. Yes,

1039
00:49:32,680 --> 00:49:34,880
Speaker 7: you can add authorized users to help offset it, to

1040
00:49:35,000 --> 00:49:38,640
Speaker 7: just make it look pretty because it'll fix your utilization rate.

1041
00:49:39,200 --> 00:49:41,680
Speaker 7: But when you go to underwrite and you're gonna see

1042
00:49:42,080 --> 00:49:44,080
Speaker 7: that your cards are still maxed out, so it's not

1043
00:49:44,200 --> 00:49:47,000
Speaker 7: going to really help you. It would just help your

1044
00:49:47,000 --> 00:49:49,399
Speaker 7: score go up, but it's not going to be act

1045
00:49:49,520 --> 00:49:51,960
Speaker 7: something that's really tangible that you're gonna be able to

1046
00:49:52,000 --> 00:49:53,640
Speaker 7: go to the bank and say, hey, let me pick

1047
00:49:53,719 --> 00:49:57,680
Speaker 7: this money up. Right, And so that's that's the things

1048
00:49:57,719 --> 00:50:00,120
Speaker 7: that with your utilization being there, You're gonna have to

1049
00:50:00,200 --> 00:50:02,520
Speaker 7: get that utilization there. So what you want to work

1050
00:50:02,560 --> 00:50:04,840
Speaker 7: on is at least trying to get you know, getting

1051
00:50:04,840 --> 00:50:07,640
Speaker 7: it down a fifty percent on each one and then

1052
00:50:09,600 --> 00:50:11,120
Speaker 7: swap it and then try to hide it.

1053
00:50:14,200 --> 00:50:18,240
Speaker 4: Him five hundred. We got five thousand people on YouTube

1054
00:50:18,320 --> 00:50:21,919
Speaker 4: right now, the Big boss Man five, the number five.

1055
00:50:23,560 --> 00:50:29,200
Speaker 4: Appreciate you, Heleima hit the like button please YouTube, no problem,

1056
00:50:29,280 --> 00:50:31,920
Speaker 4: thank you. But Shanda were coming to you. Umute yourself.

1057
00:50:32,000 --> 00:50:33,360
Speaker 4: You've been unmuted. What's going on?

1058
00:50:34,840 --> 00:50:37,960
Speaker 12: Good evening, Good evening. I kind of came in and

1059
00:50:38,040 --> 00:50:41,840
Speaker 12: the baking a conversation. So my question is it's like

1060
00:50:42,040 --> 00:50:45,000
Speaker 12: a personal question for personal credit. My credit scores that

1061
00:50:45,200 --> 00:50:49,279
Speaker 12: is at about like seventeen fifty seven sixty As far

1062
00:50:49,440 --> 00:50:52,279
Speaker 12: as my credit profile, all I have on it is

1063
00:50:52,320 --> 00:50:54,759
Speaker 12: an oldo known I have moved food and day and

1064
00:50:54,960 --> 00:50:57,520
Speaker 12: I have one credit code. So I came in while

1065
00:50:57,560 --> 00:51:00,799
Speaker 12: you was kind of talking about Navy, Federal and Fidelity

1066
00:51:00,880 --> 00:51:03,480
Speaker 12: and stuff like they. So what is today I should

1067
00:51:03,520 --> 00:51:05,200
Speaker 12: do to go and get like a for the limit

1068
00:51:05,280 --> 00:51:07,319
Speaker 12: that's up there because I need to.

1069
00:51:09,200 --> 00:51:14,239
Speaker 7: No, Yeah, what what you're gonna want to do is

1070
00:51:15,600 --> 00:51:17,520
Speaker 7: I don't know, if y'all want me to go back

1071
00:51:17,560 --> 00:51:19,360
Speaker 7: through that or catch the.

1072
00:51:20,080 --> 00:51:21,400
Speaker 5: You could just kind of get like a quick like

1073
00:51:21,440 --> 00:51:22,280
Speaker 5: a quick sonarioyah.

1074
00:51:23,280 --> 00:51:25,279
Speaker 7: Just the gist of what it is that you say

1075
00:51:25,680 --> 00:51:28,000
Speaker 7: replay to be more in detail, but with your score

1076
00:51:28,080 --> 00:51:30,440
Speaker 7: being where it's at, you don't have a lot of inquiries.

1077
00:51:30,840 --> 00:51:32,839
Speaker 7: Is that you got three different banks that will give

1078
00:51:32,880 --> 00:51:37,200
Speaker 7: you fifteen to twenty five k okay, And so when

1079
00:51:37,200 --> 00:51:40,520
Speaker 7: you go in and get it, is that maybe Federal

1080
00:51:40,560 --> 00:51:44,160
Speaker 7: you're gonna call in and say, hey, listen, I was

1081
00:51:44,200 --> 00:51:47,080
Speaker 7: in the military. I mean, my grandfather was in the

1082
00:51:47,120 --> 00:51:49,800
Speaker 7: military and he's not, you know, with us anymore, and

1083
00:51:49,840 --> 00:51:52,000
Speaker 7: fourteen passed away, uh, and I don't have any of

1084
00:51:52,080 --> 00:51:54,880
Speaker 7: his information. No grant you access. A Lion is another

1085
00:51:54,920 --> 00:51:56,719
Speaker 7: one that you're going to. You're going to go through

1086
00:51:56,760 --> 00:52:00,360
Speaker 7: their application, make a when you go through the application process,

1087
00:52:00,480 --> 00:52:08,240
Speaker 7: you're going to actually through a donation five dollars donation

1088
00:52:08,400 --> 00:52:11,520
Speaker 7: to get membership into their credit union. And the next

1089
00:52:11,560 --> 00:52:15,680
Speaker 7: one is Fidelity Bank. You're going to actually make a

1090
00:52:15,840 --> 00:52:18,640
Speaker 7: brokerage account. But once you make the brokerage account, you

1091
00:52:18,719 --> 00:52:21,120
Speaker 7: have to immediately apply. So don't make the brokerage account

1092
00:52:21,120 --> 00:52:24,200
Speaker 7: and let its sit make the brokerage account, right, and

1093
00:52:24,320 --> 00:52:26,279
Speaker 7: once you make the brokerage account, you're going to go

1094
00:52:26,360 --> 00:52:30,000
Speaker 7: for the rewards visa card, okay, or for the reward

1095
00:52:30,120 --> 00:52:32,160
Speaker 7: visa cards. You want to put your income when you

1096
00:52:32,239 --> 00:52:35,200
Speaker 7: do it. Put your income at one hundred and fifty thousand, right,

1097
00:52:35,840 --> 00:52:38,880
Speaker 7: and you either pay two thousand or zero a monthly

1098
00:52:38,960 --> 00:52:43,120
Speaker 7: on living expenses and that's what will gets you. So

1099
00:52:43,160 --> 00:52:45,879
Speaker 7: put one hundred and fifty k as your income on there,

1100
00:52:46,280 --> 00:52:49,040
Speaker 7: and your living expenses is between is two thousand or

1101
00:52:49,080 --> 00:52:52,560
Speaker 7: you put zero, and that's what's going to kick you

1102
00:52:52,840 --> 00:52:55,439
Speaker 7: your large limit, especially if you got over a seven

1103
00:52:55,520 --> 00:52:56,279
Speaker 7: thirty credit score.

1104
00:52:57,320 --> 00:52:59,359
Speaker 4: And watch the check out the replay when you get

1105
00:52:59,360 --> 00:53:02,080
Speaker 4: a chance, because he spoke about a little bit more

1106
00:53:02,120 --> 00:53:04,520
Speaker 4: in depth at the beginning. But yeah, that was that

1107
00:53:04,640 --> 00:53:06,440
Speaker 4: was a good synopsis. And you know, it's crazy. I

1108
00:53:06,520 --> 00:53:08,040
Speaker 4: just thought about, you know, a lot of the stuff

1109
00:53:08,160 --> 00:53:11,280
Speaker 4: is it all plays together. So we talk about Fidelity

1110
00:53:11,840 --> 00:53:14,600
Speaker 4: brokerage account and you know market Mondays and we talk

1111
00:53:14,640 --> 00:53:16,359
Speaker 4: about we talk about stocks all the time and all

1112
00:53:16,400 --> 00:53:17,880
Speaker 4: of that. So now this is a play where you

1113
00:53:17,960 --> 00:53:21,160
Speaker 4: can actually combine the credit play with the investment play.

1114
00:53:21,440 --> 00:53:24,320
Speaker 4: You go in to Fidelity to set up a brokerage account,

1115
00:53:24,400 --> 00:53:27,760
Speaker 4: to buy stocks, to set up your IRA, to trade options,

1116
00:53:27,800 --> 00:53:29,719
Speaker 4: whatever you're want to do. So now at the same

1117
00:53:29,800 --> 00:53:31,960
Speaker 4: time you can actually, you know, do the credit play.

1118
00:53:32,360 --> 00:53:34,840
Speaker 4: And now you can you you know, combine the stock

1119
00:53:34,960 --> 00:53:37,439
Speaker 4: play the investment play with the credit play.

1120
00:53:38,280 --> 00:53:40,040
Speaker 7: Yeah, and I seen somebody in chat say, you know,

1121
00:53:40,120 --> 00:53:43,160
Speaker 7: with Navy Federal, you can be a family member, uh them,

1122
00:53:43,360 --> 00:53:45,640
Speaker 7: you have to be son, a direct family member me

1123
00:53:45,719 --> 00:53:48,160
Speaker 7: and son or daughter. And also or you can be

1124
00:53:48,239 --> 00:53:51,680
Speaker 7: a roommate with somebody who's in Navy Federal and use

1125
00:53:51,760 --> 00:53:55,239
Speaker 7: their access number and get and get granted access. The

1126
00:53:55,360 --> 00:53:58,040
Speaker 7: issue is if you do something, if the person you

1127
00:53:58,160 --> 00:54:01,399
Speaker 7: give access to does something to the go max out

1128
00:54:01,440 --> 00:54:04,759
Speaker 7: credit cards and do something crazy, it reflects on you

1129
00:54:05,160 --> 00:54:07,319
Speaker 7: and then the person who gave their access number can

1130
00:54:07,360 --> 00:54:10,480
Speaker 7: now guess what, Now they can get their account shut down.

1131
00:54:10,719 --> 00:54:13,920
Speaker 7: So that's why give my access number to anybody. I

1132
00:54:14,080 --> 00:54:15,600
Speaker 7: just give people a method they can get in on

1133
00:54:15,680 --> 00:54:18,320
Speaker 7: their own, meaning whatever you do is your personal business.

1134
00:54:18,400 --> 00:54:20,640
Speaker 7: It's not attached to me, So be mindful that. Yes,

1135
00:54:20,680 --> 00:54:23,800
Speaker 7: it's other ways, but I'd rather people get in completely

1136
00:54:23,920 --> 00:54:25,600
Speaker 7: on their own and stand on their own two feet

1137
00:54:25,840 --> 00:54:27,880
Speaker 7: then be standing on my shoulders, and what you do

1138
00:54:28,520 --> 00:54:30,400
Speaker 7: comes back on me. So be mindful. When you think

1139
00:54:30,440 --> 00:54:33,000
Speaker 7: you're given access to people you're charging, and they go

1140
00:54:33,160 --> 00:54:35,799
Speaker 7: in and they use a CPN number and they get

1141
00:54:35,800 --> 00:54:38,160
Speaker 7: a credit card or something and they run off, then

1142
00:54:38,320 --> 00:54:39,839
Speaker 7: your account get shut down with theirs.

1143
00:54:41,760 --> 00:54:46,480
Speaker 3: It ain't all good, Krista. Safety first, we're coming to you, Krista.

1144
00:54:46,719 --> 00:54:48,200
Speaker 3: Mute yourself. You've been muted.

1145
00:54:52,600 --> 00:54:55,319
Speaker 7: Yeah, it's some things you know. I'm not going If

1146
00:54:55,320 --> 00:54:58,120
Speaker 7: you guys, tune in and check out the ey L episode,

1147
00:54:58,480 --> 00:55:01,359
Speaker 7: A lot of stuff and tactics I ever on turning

1148
00:55:01,400 --> 00:55:02,000
Speaker 7: credit to cash.

1149
00:55:02,000 --> 00:55:02,239
Speaker 5: Today.

1150
00:55:02,239 --> 00:55:04,000
Speaker 7: We teach you how to go get the cash, and

1151
00:55:04,120 --> 00:55:06,200
Speaker 7: when you go back and watch the ey L episode,

1152
00:55:06,200 --> 00:55:09,399
Speaker 7: you're gonna see exactly how to apply it and get

1153
00:55:09,480 --> 00:55:12,320
Speaker 7: busy from there. So just check it out back on YouTube.

1154
00:55:12,840 --> 00:55:16,200
Speaker 4: If you haven't watched that Leasion episode, you're doing yourself

1155
00:55:16,200 --> 00:55:17,680
Speaker 4: with tremendous disservice.

1156
00:55:17,320 --> 00:55:20,319
Speaker 8: Potentially the biggest episode. So what's up?

1157
00:55:21,000 --> 00:55:21,120
Speaker 7: Hi?

1158
00:55:21,360 --> 00:55:22,160
Speaker 14: How are you guys?

1159
00:55:23,239 --> 00:55:23,439
Speaker 5: Good?

1160
00:55:23,760 --> 00:55:23,960
Speaker 8: Great?

1161
00:55:24,000 --> 00:55:25,760
Speaker 12: How are you? I am great?

1162
00:55:25,920 --> 00:55:27,920
Speaker 15: And even better that you guys called on me.

1163
00:55:29,440 --> 00:55:33,080
Speaker 8: Where you're from Baltimore? Shout out to be more?

1164
00:55:34,000 --> 00:55:34,680
Speaker 5: Thank you, thank you.

1165
00:55:35,640 --> 00:55:39,719
Speaker 7: So I'm him five hundred. I have a question.

1166
00:55:40,160 --> 00:55:43,879
Speaker 15: So I have a capital of what is it called

1167
00:55:43,920 --> 00:55:47,520
Speaker 15: a charge off? And it will not leave for the

1168
00:55:47,800 --> 00:55:50,120
Speaker 15: life of me. And I was wondering if you had

1169
00:55:50,160 --> 00:55:53,000
Speaker 15: any tips on getting it removed. I've already followed your

1170
00:55:53,040 --> 00:55:58,600
Speaker 15: instructions for like the secondary bureaus, but it's still like

1171
00:55:58,960 --> 00:56:02,640
Speaker 15: not going anywhere. And it's with the original doctor deptur

1172
00:56:02,800 --> 00:56:04,520
Speaker 15: So that's probably why. But I just wanted to get

1173
00:56:04,560 --> 00:56:05,080
Speaker 15: your take on it.

1174
00:56:05,640 --> 00:56:10,800
Speaker 7: You got credit karma, yeslock into your credit carmer.

1175
00:56:18,000 --> 00:56:24,239
Speaker 8: As she locks in, I'm in.

1176
00:56:26,000 --> 00:56:26,640
Speaker 7: Okay, you in.

1177
00:56:27,280 --> 00:56:27,480
Speaker 1: Yes.

1178
00:56:28,000 --> 00:56:30,400
Speaker 7: Go to your accounts. Go to your your view your

1179
00:56:30,440 --> 00:56:35,600
Speaker 7: whole credit report. Okay. Go to the negative account.

1180
00:56:40,760 --> 00:56:41,960
Speaker 15: You mean the closed accounts.

1181
00:56:42,320 --> 00:56:44,040
Speaker 7: Go to that negative account that you want to remove.

1182
00:56:44,719 --> 00:56:47,400
Speaker 7: I want to remove, okay, TRANSI go to the account

1183
00:56:47,520 --> 00:56:49,280
Speaker 7: you want to, Go to the accounts tab and select

1184
00:56:49,320 --> 00:56:50,000
Speaker 7: the negative item.

1185
00:56:50,239 --> 00:56:50,560
Speaker 16: M hm.

1186
00:56:51,440 --> 00:56:54,719
Speaker 7: Okay. You see where it says dispute on the bottom. Yep,

1187
00:56:56,000 --> 00:56:58,000
Speaker 7: put that in. Go to dispute.

1188
00:56:58,480 --> 00:56:58,839
Speaker 12: Mm hmm.

1189
00:57:01,920 --> 00:57:04,279
Speaker 7: Once you go to dispute, now you should be on

1190
00:57:04,360 --> 00:57:13,279
Speaker 7: the deletion screen. Don't put anything for ownership go down right,

1191
00:57:13,400 --> 00:57:17,600
Speaker 7: and then it's gonna say don't put anything for ownership.

1192
00:57:18,200 --> 00:57:20,840
Speaker 7: Don't select any ownership. So the ownership is gonna be

1193
00:57:20,880 --> 00:57:22,600
Speaker 7: the first little block. Who's gonna ask you to pick.

1194
00:57:22,720 --> 00:57:24,360
Speaker 7: It's gonna give you a lineup of a few different

1195
00:57:24,400 --> 00:57:26,520
Speaker 7: things you're gonna put. Don't put nothing there, go down

1196
00:57:26,600 --> 00:57:31,320
Speaker 7: below it, right and put this count is in is

1197
00:57:31,400 --> 00:57:32,360
Speaker 7: involved in litigation?

1198
00:57:35,080 --> 00:57:35,600
Speaker 13: Go down?

1199
00:57:36,560 --> 00:57:38,080
Speaker 8: Oh an additional comment.

1200
00:57:38,720 --> 00:57:42,680
Speaker 7: Now above additional comments. It's like the one above it

1201
00:57:42,760 --> 00:57:49,560
Speaker 7: said is involved in litigations. Yep, all right, now additional comments,

1202
00:57:50,360 --> 00:57:52,400
Speaker 7: mm hmm. I want you to put I have not

1203
00:57:52,600 --> 00:57:53,600
Speaker 7: supplied proof.

1204
00:57:57,920 --> 00:58:00,360
Speaker 8: Yeah, this is greazy ya.

1205
00:58:06,080 --> 00:58:09,680
Speaker 5: University man, that's crazy billion dollars worth of game.

1206
00:58:10,240 --> 00:58:12,120
Speaker 8: You know, A K A him, not them.

1207
00:58:14,720 --> 00:58:17,800
Speaker 7: Yo, listen we we were going there. Listen you there

1208
00:58:18,680 --> 00:58:20,960
Speaker 7: out here, I have not supplied first.

1209
00:58:21,280 --> 00:58:25,480
Speaker 17: Under the doctrine of a stop by silence, a stopple

1210
00:58:25,560 --> 00:58:30,520
Speaker 17: by silence, So proof under the doctrine uh huh of

1211
00:58:30,840 --> 00:58:31,800
Speaker 17: a stopper.

1212
00:58:32,240 --> 00:58:35,960
Speaker 16: Of a stopple E s e O P P E

1213
00:58:36,160 --> 00:58:39,320
Speaker 16: l A S t O P p A l E

1214
00:58:39,560 --> 00:58:43,840
Speaker 16: S t oh e s t okay by silence.

1215
00:58:48,200 --> 00:58:54,120
Speaker 7: Comma ingle heart right, but I'm a spelling for you

1216
00:58:54,280 --> 00:58:58,200
Speaker 7: E N G E L H A R D T

1217
00:59:00,080 --> 00:59:07,160
Speaker 7: and then V period FORC versus raven g R A

1218
00:59:07,520 --> 00:59:15,000
Speaker 7: V E N S in parentheses m O two eighty

1219
00:59:15,120 --> 00:59:25,720
Speaker 7: one separates space boar capital s W seven one five

1220
00:59:26,000 --> 00:59:32,080
Speaker 7: comma seven one nine comma and then put I presume

1221
00:59:32,920 --> 00:59:38,360
Speaker 7: that no proof of the alleged debt comma, nor therefore

1222
00:59:38,560 --> 00:59:45,600
Speaker 7: any such debt comma you with me. I presume that

1223
00:59:45,760 --> 00:59:50,440
Speaker 7: no proof of the alleged debt comma. Mm hmm, therefore

1224
00:59:51,280 --> 00:59:56,000
Speaker 7: any such debt comma in fact exists.

1225
00:59:56,840 --> 00:59:57,200
Speaker 5: Period.

1226
01:00:02,440 --> 01:00:08,120
Speaker 7: All right, Now go submit. If it doesn't say the

1227
01:00:08,560 --> 01:00:12,800
Speaker 7: copy that copy that copy the comment section that you

1228
01:00:12,960 --> 01:00:15,760
Speaker 7: just typed out, yep, copy that just so you have

1229
01:00:15,840 --> 01:00:17,320
Speaker 7: it on your clipboard if you got to redo it,

1230
01:00:17,640 --> 01:00:22,480
Speaker 7: and now go through and press and submit. And now

1231
01:00:22,520 --> 01:00:27,280
Speaker 7: if it doesn't say delete right, then redo it the

1232
01:00:27,360 --> 01:00:30,480
Speaker 7: second time because sometimes it's system glitches. So go ahead,

1233
01:00:30,480 --> 01:00:31,000
Speaker 7: press submit.

1234
01:00:32,160 --> 01:00:43,280
Speaker 15: Okay, it says continue, but okay, yeah, okay submit, Okay.

1235
01:00:49,200 --> 01:00:51,360
Speaker 8: TransUnion is reviewing your dispute.

1236
01:00:53,120 --> 01:00:58,080
Speaker 7: Okay, so let that sit. Give us about five minutes

1237
01:00:58,400 --> 01:01:02,400
Speaker 7: to ten minutes. If you don't get a deletion notice,

1238
01:01:03,040 --> 01:01:08,439
Speaker 7: come back, all right, okay, all right, you all right.

1239
01:01:10,600 --> 01:01:11,840
Speaker 8: Around for this guy.

1240
01:01:12,000 --> 01:01:19,240
Speaker 18: Right, that was a moment I ain't want to say nine.

1241
01:01:19,280 --> 01:01:22,880
Speaker 18: I'm like, damn, mister, thank you, thank you.

1242
01:01:24,080 --> 01:01:26,080
Speaker 5: Chris. You know we said he was the most dangerous,

1243
01:01:26,120 --> 01:01:27,280
Speaker 5: told you he's dangerous man.

1244
01:01:27,680 --> 01:01:29,479
Speaker 7: All right, people are eye on her before we before

1245
01:01:29,520 --> 01:01:31,400
Speaker 7: we get in the call, we're gonna go back. Uh

1246
01:01:31,640 --> 01:01:34,360
Speaker 7: it's nine oh two, so we're gonna be wrapping around,

1247
01:01:34,640 --> 01:01:38,080
Speaker 7: uh nine fifteen, nineteen twenty, so we'll see. We're gonna

1248
01:01:38,120 --> 01:01:40,000
Speaker 7: come back to you before we in and see what happened.

1249
01:01:40,600 --> 01:01:41,080
Speaker 5: All right, Chris.

1250
01:01:41,120 --> 01:01:42,680
Speaker 8: So I'm gonna keep you right at the top. I'm

1251
01:01:42,680 --> 01:01:43,600
Speaker 8: gonna keep you right up there.

1252
01:01:43,880 --> 01:01:46,240
Speaker 5: This dangerous man, This is dangerous man.

1253
01:01:46,440 --> 01:01:48,360
Speaker 4: Shout out to MP, the mortgage guy on a super

1254
01:01:48,440 --> 01:01:51,360
Speaker 4: Chat checking, shout out to cash phoone super Chat checking,

1255
01:01:51,400 --> 01:01:54,320
Speaker 4: and shout out to the good brother credit dude, shout

1256
01:01:54,360 --> 01:01:55,400
Speaker 4: out this credit.

1257
01:01:57,560 --> 01:02:05,920
Speaker 8: Live Denise, we come to you, meet yourself.

1258
01:02:05,920 --> 01:02:10,400
Speaker 4: You've been up muted, live live studio, live live studio audience.

1259
01:02:14,560 --> 01:02:16,640
Speaker 4: Denise was going on, I mean yourself, you've been muted.

1260
01:02:16,560 --> 01:02:20,600
Speaker 5: Was going, oh my god, hello, hello, Hello, good evening.

1261
01:02:20,720 --> 01:02:21,600
Speaker 7: Oh I'm so excited.

1262
01:02:22,120 --> 01:02:26,480
Speaker 14: Oh this is awesome, thank you so much, and great information,

1263
01:02:26,800 --> 01:02:31,000
Speaker 14: just like dropping bombs. So my question is I heard

1264
01:02:31,120 --> 01:02:33,720
Speaker 14: the last episode that you were on Marcus and you

1265
01:02:33,760 --> 01:02:37,200
Speaker 14: were talking about tradelining. If you will go over that

1266
01:02:37,280 --> 01:02:40,680
Speaker 14: a little bit more like how does tradelining work? How

1267
01:02:40,840 --> 01:02:44,800
Speaker 14: can we make some money off of tradelining? That was

1268
01:02:44,960 --> 01:02:45,800
Speaker 14: very very interesting.

1269
01:02:46,640 --> 01:02:52,160
Speaker 7: Okay, we tradelines and explain something is that I'm clear

1270
01:02:52,400 --> 01:02:54,240
Speaker 7: a lot of times people think that, like I teach

1271
01:02:54,240 --> 01:02:56,000
Speaker 7: people to start a tradeline business, and a lot of

1272
01:02:56,040 --> 01:02:58,240
Speaker 7: times people get confused and think that trade lines is

1273
01:02:58,440 --> 01:03:02,320
Speaker 7: only authorized users, right, But you have trade lines like

1274
01:03:03,640 --> 01:03:08,160
Speaker 7: my Jewelers Club is a trade line. Rent reporters is

1275
01:03:08,160 --> 01:03:10,560
Speaker 7: a trade line, right, These are all things. A tradeline

1276
01:03:10,640 --> 01:03:12,960
Speaker 7: is just a positive accounting of credit report. But when

1277
01:03:13,000 --> 01:03:15,000
Speaker 7: it comes to authorized users, I tell people this is

1278
01:03:15,040 --> 01:03:18,200
Speaker 7: that if I've seen people in the chat earlier asking hey,

1279
01:03:18,280 --> 01:03:21,640
Speaker 7: what do you think about tradelines supply right? The issue

1280
01:03:21,680 --> 01:03:23,080
Speaker 7: with that is that a lot of times people go

1281
01:03:23,160 --> 01:03:27,800
Speaker 7: out and buy tradelines authorized users for people they don't know, right,

1282
01:03:27,960 --> 01:03:30,800
Speaker 7: and it's just complete strangers. Well, when it comes to

1283
01:03:30,880 --> 01:03:32,760
Speaker 7: adding people to your cars, it's certain cars that you

1284
01:03:32,800 --> 01:03:34,400
Speaker 7: want to use. Right, I'm going to tell you, like

1285
01:03:34,480 --> 01:03:36,160
Speaker 7: one of the banks, to kind of stay away from it.

1286
01:03:36,240 --> 01:03:38,080
Speaker 7: Is like a Bank of America. Bank of America is

1287
01:03:38,160 --> 01:03:41,800
Speaker 7: notorious for shutting you down. Meanwhile, American expressed to give

1288
01:03:41,840 --> 01:03:46,120
Speaker 7: you ninety nine authorized users and nine authorized users, but

1289
01:03:46,160 --> 01:03:49,000
Speaker 7: they don't report history. Right, So it's a lot to

1290
01:03:49,120 --> 01:03:51,760
Speaker 7: really break this whole business model down. But to give

1291
01:03:51,840 --> 01:03:54,520
Speaker 7: you a synopsis is that pretty much is that I

1292
01:03:54,600 --> 01:03:56,960
Speaker 7: can add you on to my card as an authorized user.

1293
01:03:57,160 --> 01:03:57,280
Speaker 5: Right.

1294
01:03:57,680 --> 01:04:00,360
Speaker 7: So let's say I use a card like City Bank. Right,

1295
01:04:00,400 --> 01:04:02,800
Speaker 7: I'm gonna give y'all want City Bank. I use a

1296
01:04:02,840 --> 01:04:05,160
Speaker 7: car like City Bank. I add you on as authorized user.

1297
01:04:05,840 --> 01:04:08,880
Speaker 7: I've had my car for ten years plus, my utilization

1298
01:04:09,040 --> 01:04:11,720
Speaker 7: rate is under nine percent, one hundred percent payment history.

1299
01:04:11,800 --> 01:04:13,880
Speaker 7: When I add you on as an authorized user, my

1300
01:04:14,040 --> 01:04:16,800
Speaker 7: history now goes onto your credit report. If I charge

1301
01:04:16,840 --> 01:04:19,520
Speaker 7: you six fifty, that's six hundred and fifty. But I

1302
01:04:19,560 --> 01:04:22,040
Speaker 7: got ten slots available. So if I have ten slots

1303
01:04:22,040 --> 01:04:26,240
Speaker 7: available and I add ten people, that's sixty five hundred dollars.

1304
01:04:26,840 --> 01:04:29,600
Speaker 7: I'm gonna leave you on for sixty days, and it's

1305
01:04:29,600 --> 01:04:31,680
Speaker 7: going to stay on your credit report for ninety The

1306
01:04:31,840 --> 01:04:34,520
Speaker 7: thing about authorized users is that you can't build a

1307
01:04:34,640 --> 01:04:37,120
Speaker 7: report off of authorized users. It's kind of just like

1308
01:04:37,200 --> 01:04:38,800
Speaker 7: a cherry on the top to kind of help with

1309
01:04:38,920 --> 01:04:41,280
Speaker 7: your data points. So you build your report out and

1310
01:04:41,360 --> 01:04:43,440
Speaker 7: get the accounts, and then you use a thing like

1311
01:04:43,480 --> 01:04:46,560
Speaker 7: an authorized user to kind of help and strengthen your

1312
01:04:46,680 --> 01:04:49,040
Speaker 7: data points before you go out and apply. So it's

1313
01:04:49,080 --> 01:04:51,560
Speaker 7: the thing that you add last. So when you add

1314
01:04:51,600 --> 01:04:54,320
Speaker 7: a trade line last, you know this after you got

1315
01:04:54,320 --> 01:04:56,760
Speaker 7: your credit report together. That's the reason why you only

1316
01:04:56,840 --> 01:04:58,400
Speaker 7: need to be on there for ninety days because in

1317
01:04:58,440 --> 01:05:00,600
Speaker 7: that timeframe you need to go out and apply for

1318
01:05:00,680 --> 01:05:03,800
Speaker 7: the things that you're looking to acquire. Okay, and now

1319
01:05:03,920 --> 01:05:07,200
Speaker 7: from there, what happens is is that now I've turned

1320
01:05:07,240 --> 01:05:10,320
Speaker 7: my credit card from a liability into an actual asset

1321
01:05:10,360 --> 01:05:12,320
Speaker 7: because now I'm making money off of it. Now I'm

1322
01:05:12,360 --> 01:05:15,960
Speaker 7: making sixty five hundred every sixty days, that's forty thousand

1323
01:05:16,000 --> 01:05:18,320
Speaker 7: dollars in a year. Right now, I don't have to

1324
01:05:18,360 --> 01:05:20,360
Speaker 7: worry about going in a debt. I don't have to

1325
01:05:20,400 --> 01:05:22,000
Speaker 7: worry about getting a credit card said, am I going

1326
01:05:22,040 --> 01:05:23,680
Speaker 7: to pay it back? This? This, that, and the third.

1327
01:05:24,000 --> 01:05:28,480
Speaker 7: I'm literally using the bank's money to make money and

1328
01:05:28,520 --> 01:05:31,440
Speaker 7: I'm never going into debt. Right And you see a

1329
01:05:31,480 --> 01:05:33,440
Speaker 7: lot of people go, can we do this? Can we

1330
01:05:33,520 --> 01:05:36,640
Speaker 7: do this, and it's like, yo, listen, you can't in

1331
01:05:37,000 --> 01:05:38,640
Speaker 7: my mind right, and this is just you know, be

1332
01:05:38,720 --> 01:05:40,760
Speaker 7: a friend and honest with everybody. Is this I have

1333
01:05:40,880 --> 01:05:42,400
Speaker 7: to wirit me up. It's like, Yo, I got a

1334
01:05:42,440 --> 01:05:44,320
Speaker 7: ten thousand dollars credit card. I don't want to, you know,

1335
01:05:44,400 --> 01:05:46,360
Speaker 7: in fear of losing it. And I said, well, listen,

1336
01:05:46,920 --> 01:05:49,360
Speaker 7: what's your utilization key? You're not supposed to use more

1337
01:05:49,400 --> 01:05:51,840
Speaker 7: than thirty percent of a credit card? Right, You're not

1338
01:05:51,880 --> 01:05:53,720
Speaker 7: supposed to use more than thirty percent of a credit card,

1339
01:05:54,080 --> 01:05:56,600
Speaker 7: meaning if you're not gonna go over thirty percent. You

1340
01:05:56,720 --> 01:05:59,640
Speaker 7: got a three thousand dollars credit card. I just told

1341
01:05:59,640 --> 01:06:04,160
Speaker 7: you how to forty a year. You give me you

1342
01:06:04,240 --> 01:06:06,760
Speaker 7: see the benefit of how it actually turns into an

1343
01:06:06,760 --> 01:06:10,040
Speaker 7: actual asset versus holding on to a credit card for

1344
01:06:10,160 --> 01:06:13,600
Speaker 7: emergency purposes. Make the thousand, put the ten thousand of cash,

1345
01:06:13,600 --> 01:06:15,960
Speaker 7: and then what are we talking about? We can move forward, right,

1346
01:06:17,200 --> 01:06:19,680
Speaker 7: And that's the mindset that we need to have when

1347
01:06:19,760 --> 01:06:23,000
Speaker 7: it comes to, you know, actually turning liabilities into assets.

1348
01:06:23,080 --> 01:06:25,880
Speaker 7: But to answer your question, is select cars that you

1349
01:06:25,960 --> 01:06:28,560
Speaker 7: want to use, add people as an authorized user, you

1350
01:06:28,720 --> 01:06:30,920
Speaker 7: never give them access to your credit card. So that

1351
01:06:31,080 --> 01:06:32,840
Speaker 7: way you don't send a car to them. You mel

1352
01:06:32,880 --> 01:06:35,400
Speaker 7: it to you, Okay, you never give them access to

1353
01:06:35,480 --> 01:06:37,480
Speaker 7: the car, so that way they can't use it and

1354
01:06:37,520 --> 01:06:40,640
Speaker 7: go run it up. You put security, you put security

1355
01:06:40,720 --> 01:06:43,080
Speaker 7: questions on your account. You also turn on your push

1356
01:06:43,160 --> 01:06:45,840
Speaker 7: notifications on on your app for whichever credit card you're using.

1357
01:06:47,160 --> 01:06:49,240
Speaker 7: So you know, just stay in the loop with everything

1358
01:06:49,400 --> 01:06:52,400
Speaker 7: is going on and really watch the car. But you know,

1359
01:06:52,560 --> 01:06:55,320
Speaker 7: I'm gonna tell you guys, this is that every bank

1360
01:06:55,520 --> 01:06:59,400
Speaker 7: does not allow this, So you guys have to be mindful.

1361
01:06:59,400 --> 01:07:01,280
Speaker 7: I tell you guys like Bank of America, it's one

1362
01:07:01,320 --> 01:07:03,480
Speaker 7: of the banks to stay away from. Maybe Federal is

1363
01:07:03,480 --> 01:07:05,240
Speaker 7: not going to give you ten authorized users, They're going

1364
01:07:05,280 --> 01:07:07,160
Speaker 7: to give you four. So you just want to be

1365
01:07:07,280 --> 01:07:09,360
Speaker 7: mindful and really study and learn the banks. If you

1366
01:07:09,400 --> 01:07:11,360
Speaker 7: can do your due diligence, go out and really do

1367
01:07:11,560 --> 01:07:14,800
Speaker 7: research and try to find what banks are good and

1368
01:07:14,920 --> 01:07:17,520
Speaker 7: that allow it, and you can build from there, or

1369
01:07:18,040 --> 01:07:21,360
Speaker 7: you know, you can come come on the good side.

1370
01:07:23,520 --> 01:07:25,960
Speaker 5: Session blue, session proof blue man.

1371
01:07:26,240 --> 01:07:29,120
Speaker 14: Right, thank you so much for that information. Thank you,

1372
01:07:30,000 --> 01:07:30,240
Speaker 14: thank you.

1373
01:07:30,680 --> 01:07:32,120
Speaker 5: Let's take let's take one more question.

1374
01:07:32,880 --> 01:07:35,040
Speaker 4: I saw somebody on YouTube they had if you're having

1375
01:07:35,200 --> 01:07:37,240
Speaker 4: if you're in Euy University and you're having a problem

1376
01:07:37,280 --> 01:07:40,560
Speaker 4: getting in the Facebook group email in for Early Alesia,

1377
01:07:40,640 --> 01:07:42,520
Speaker 4: but you have to have your real name on Facebook.

1378
01:07:42,560 --> 01:07:44,840
Speaker 4: Sometimes people's names is like John Henry in real life,

1379
01:07:44,880 --> 01:07:49,440
Speaker 4: with their Facebook name is like Eaglewood Superman, so it's

1380
01:07:49,520 --> 01:07:51,720
Speaker 4: hard to ident That takes a little longer because it's

1381
01:07:51,720 --> 01:07:54,120
Speaker 4: hard to identify because you don't know your real name.

1382
01:07:54,280 --> 01:07:57,880
Speaker 4: But the quick solution is that it's just email in

1383
01:07:57,960 --> 01:08:01,200
Speaker 4: for Earlesia. Five thousand people in that Facebook group, so

1384
01:08:02,200 --> 01:08:03,960
Speaker 4: definitely want to take advantage of that if you if

1385
01:08:03,960 --> 01:08:05,200
Speaker 4: you have a member university.

1386
01:08:05,360 --> 01:08:07,080
Speaker 3: Shouts all the earners in the chat right now. They

1387
01:08:07,360 --> 01:08:09,720
Speaker 3: everything that that Marcus is saying. They type it in

1388
01:08:09,880 --> 01:08:11,920
Speaker 3: like yo, I got that way you misspelled something, No,

1389
01:08:11,960 --> 01:08:14,080
Speaker 3: we got this. Shout all the earners. Man, it's there's

1390
01:08:14,080 --> 01:08:16,040
Speaker 3: so many of the name they doing their thing. Hark

1391
01:08:16,160 --> 01:08:18,840
Speaker 3: is hoppy and Pat I'm shut the chat. That's Marcus Barnes,

1392
01:08:18,880 --> 01:08:19,400
Speaker 3: the most.

1393
01:08:19,280 --> 01:08:21,479
Speaker 8: Dangerous, the most dangerous him, not them.

1394
01:08:21,920 --> 01:08:25,840
Speaker 4: They get a boss that you've seen thus far, point

1395
01:08:25,920 --> 01:08:28,040
Speaker 4: Dexter is this point Dexter, it's just bust down.

1396
01:08:28,520 --> 01:08:32,439
Speaker 7: Now we're on point dex to today I'm not going

1397
01:08:32,520 --> 01:08:34,519
Speaker 7: to do it all right, were on point dex to

1398
01:08:34,560 --> 01:08:35,040
Speaker 7: today we.

1399
01:08:35,080 --> 01:08:35,960
Speaker 8: Do point de time.

1400
01:08:36,160 --> 01:08:38,439
Speaker 3: Kenya, we are coming to you on mute yourself. You've

1401
01:08:38,560 --> 01:08:39,920
Speaker 3: been unmuted. What's going on?

1402
01:08:41,080 --> 01:08:41,320
Speaker 7: Hello?

1403
01:08:41,640 --> 01:08:42,360
Speaker 14: Can you hear me?

1404
01:08:42,960 --> 01:08:43,080
Speaker 10: Well?

1405
01:08:43,160 --> 01:08:44,559
Speaker 8: Hear you perfectly? Where are you from?

1406
01:08:45,880 --> 01:08:47,960
Speaker 7: I'm from Texas. I'm in Dallas, Texas.

1407
01:08:48,479 --> 01:08:49,120
Speaker 5: Love it, love it.

1408
01:08:49,280 --> 01:08:52,240
Speaker 13: So my question is, I know I hear him talk

1409
01:08:52,320 --> 01:08:55,360
Speaker 13: a lot about credit score utilization to get a card.

1410
01:08:55,920 --> 01:08:58,880
Speaker 13: So if you have a credit score, say it's seven thirty,

1411
01:08:58,960 --> 01:09:01,880
Speaker 13: and you do have high utilization and you have like

1412
01:09:02,160 --> 01:09:04,280
Speaker 13: funds to pay it down, how should you approach that

1413
01:09:05,280 --> 01:09:07,599
Speaker 13: looking to start a business or something of that nature.

1414
01:09:08,000 --> 01:09:08,720
Speaker 5: Does that make sense?

1415
01:09:10,720 --> 01:09:12,719
Speaker 7: Can you give me a little more details?

1416
01:09:12,800 --> 01:09:14,960
Speaker 13: Yes, So, say I have like a seven point thirty

1417
01:09:15,320 --> 01:09:17,920
Speaker 13: and I have, like maybe I have brought five cards

1418
01:09:17,960 --> 01:09:20,440
Speaker 13: and say two of them are at you know, higher.

1419
01:09:20,479 --> 01:09:21,840
Speaker 7: Say eighty percent utilization.

1420
01:09:22,280 --> 01:09:28,400
Speaker 13: If a stack of funds to pay something down, how

1421
01:09:28,439 --> 01:09:29,519
Speaker 13: would I approach that?

1422
01:09:29,720 --> 01:09:29,760
Speaker 17: Like?

1423
01:09:29,840 --> 01:09:30,879
Speaker 7: What do you recommend?

1424
01:09:31,680 --> 01:09:32,360
Speaker 8: One is that?

1425
01:09:32,720 --> 01:09:35,400
Speaker 7: Should you just go and pay like fifty percent? No,

1426
01:09:35,640 --> 01:09:38,519
Speaker 7: I'm gonna tell you all this and be mindful too.

1427
01:09:39,080 --> 01:09:44,200
Speaker 7: It's depending on what bank you're with. Be mindful when

1428
01:09:44,240 --> 01:09:46,760
Speaker 7: you guys, let your utilization run high, because when you

1429
01:09:46,840 --> 01:09:48,640
Speaker 7: start to pay it back, especially in the times that

1430
01:09:48,720 --> 01:09:51,160
Speaker 7: we're in now, when you pay it back, they might

1431
01:09:51,280 --> 01:09:53,680
Speaker 7: shrink your limits. So you might go back and pay

1432
01:09:53,760 --> 01:09:56,559
Speaker 7: fifty percent off and they might come and say that's

1433
01:09:57,000 --> 01:10:01,240
Speaker 7: that's find your new limit of three thousand. Thank you

1434
01:10:01,320 --> 01:10:03,400
Speaker 7: for the money, and now you don't have access to it.

1435
01:10:04,080 --> 01:10:06,760
Speaker 7: So don't let your utilization run high for a long time,

1436
01:10:07,120 --> 01:10:10,160
Speaker 7: especially not right now while we're in a pandemic. Don't

1437
01:10:10,240 --> 01:10:12,080
Speaker 7: let it run hot. So make sure you kind of

1438
01:10:12,240 --> 01:10:16,439
Speaker 7: constantly knock that out. But I would pay it down.

1439
01:10:17,960 --> 01:10:19,880
Speaker 7: If you got the capital to pay it down, I

1440
01:10:19,920 --> 01:10:21,479
Speaker 7: will go ahead and chop it down. Because if you

1441
01:10:21,560 --> 01:10:24,240
Speaker 7: had a seven thirty with utilization, your score is your

1442
01:10:24,280 --> 01:10:26,880
Speaker 7: your report is already amazing. You'll be over a seven eighty.

1443
01:10:28,280 --> 01:10:32,800
Speaker 7: With that being said, what's your limits? What's your that's

1444
01:10:32,800 --> 01:10:34,599
Speaker 7: what kind of limits you out? They range from ten

1445
01:10:34,760 --> 01:10:38,320
Speaker 7: to twenty, So you okay on your limits. I would

1446
01:10:38,360 --> 01:10:40,519
Speaker 7: knock them down and focus on them for about six

1447
01:10:40,600 --> 01:10:43,560
Speaker 7: months before going a five for credit ask for increases.

1448
01:10:44,560 --> 01:10:46,519
Speaker 7: So if you got the capital, knock it down and

1449
01:10:46,920 --> 01:10:50,040
Speaker 7: then ask for increases every six months. If you if

1450
01:10:50,080 --> 01:10:53,639
Speaker 7: you haven't asked for an increase, knock that utilization down, right,

1451
01:10:54,400 --> 01:10:57,920
Speaker 7: and so knock that utilization down. And if you haven't

1452
01:10:57,960 --> 01:11:00,439
Speaker 7: asked for an increase in the last six months, wait

1453
01:11:00,520 --> 01:11:04,800
Speaker 7: for about thirty days to sixty days after paying it

1454
01:11:04,920 --> 01:11:07,080
Speaker 7: down and then calling and ask for an increase with

1455
01:11:07,240 --> 01:11:11,040
Speaker 7: your utilization under nine percent? Great, Okay, thank you.

1456
01:11:11,080 --> 01:11:12,160
Speaker 5: I've never asked for increase.

1457
01:11:12,520 --> 01:11:13,720
Speaker 7: All right, thank you.

1458
01:11:13,880 --> 01:11:18,800
Speaker 4: Appreciate you looking so yeah, I know, Uh, Marcus gotta

1459
01:11:18,840 --> 01:11:20,920
Speaker 4: wrap so before we before we wrap it, I want

1460
01:11:21,000 --> 01:11:24,080
Speaker 4: to just say a couple of different things. So first

1461
01:11:24,120 --> 01:11:27,280
Speaker 4: and foremost, thank you for the game. If you haven't watched,

1462
01:11:27,360 --> 01:11:29,960
Speaker 4: if you haven't watched Earn your LIGI this episode with Marcus,

1463
01:11:30,320 --> 01:11:34,160
Speaker 4: please please do that, please rewatch this. And the most

1464
01:11:34,160 --> 01:11:37,320
Speaker 4: important number for tonight is five hundred. So his his

1465
01:11:37,520 --> 01:11:41,559
Speaker 4: name is him five hundred and his recession proof course.

1466
01:11:43,080 --> 01:11:45,760
Speaker 4: The cheapest place to get it on the marketplace is

1467
01:11:46,040 --> 01:11:48,360
Speaker 4: rp x E y L dot com. That's what If

1468
01:11:48,400 --> 01:11:51,000
Speaker 4: you watch the podcast, he did a special five hundred

1469
01:11:51,000 --> 01:11:54,719
Speaker 4: dollars off and that includes tell him what that includes

1470
01:11:54,760 --> 01:11:56,720
Speaker 4: with your with your recession proof includes, so.

1471
01:11:56,800 --> 01:12:00,160
Speaker 7: With my recession proof when you join the recession through

1472
01:12:00,240 --> 01:12:02,240
Speaker 7: family researchion profs. Not like a course, it's a family

1473
01:12:02,280 --> 01:12:05,519
Speaker 7: that you join. And what we do is this is

1474
01:12:05,560 --> 01:12:08,160
Speaker 7: I teach financial literacy. But my goal is to teaching

1475
01:12:08,200 --> 01:12:11,400
Speaker 7: empower leaders of the community that's looking to help other people. Right,

1476
01:12:11,520 --> 01:12:14,080
Speaker 7: So I teach you how to go out and really

1477
01:12:14,200 --> 01:12:16,400
Speaker 7: clean and structure a credit report, set up your own

1478
01:12:16,479 --> 01:12:19,800
Speaker 7: credit repair of business. Not only that, I teach you

1479
01:12:19,840 --> 01:12:22,320
Speaker 7: how to set up a tradeline business, right, because once

1480
01:12:22,360 --> 01:12:24,719
Speaker 7: somebody gets their credit repair and get their credit together,

1481
01:12:25,120 --> 01:12:27,600
Speaker 7: then they need to actually learn how to build it.

1482
01:12:27,680 --> 01:12:30,360
Speaker 7: And it's not all authorized users. I teach you different

1483
01:12:30,400 --> 01:12:32,920
Speaker 7: things and ways to cover and use helping somebody build

1484
01:12:32,920 --> 01:12:36,000
Speaker 7: their credit and get your mortgage paid. Right, These are

1485
01:12:36,040 --> 01:12:37,200
Speaker 7: the type of things. So now you don't have to

1486
01:12:37,240 --> 01:12:41,560
Speaker 7: pay a mortgage. So I teach you, guys that. I

1487
01:12:41,760 --> 01:12:44,320
Speaker 7: also give you an ebook. So some people don't want

1488
01:12:44,360 --> 01:12:46,120
Speaker 7: to pay for credit repair, they just need the information.

1489
01:12:46,400 --> 01:12:48,360
Speaker 7: So everything that I know I put an ebook for

1490
01:12:48,600 --> 01:12:50,960
Speaker 7: white labeled it so that way you guys can actually

1491
01:12:51,040 --> 01:12:56,479
Speaker 7: take it and put your own, your own brand on it. Right,

1492
01:12:56,920 --> 01:12:59,280
Speaker 7: And now they have a do it yourself credit repair

1493
01:12:59,360 --> 01:13:01,439
Speaker 7: guide that you can sell. So now you sell them

1494
01:13:01,439 --> 01:13:03,760
Speaker 7: an ebook. I also give you a click funnel to

1495
01:13:03,880 --> 01:13:06,120
Speaker 7: sell the e book that's already pre built. All you

1496
01:13:06,240 --> 01:13:08,360
Speaker 7: have to do is get somebody to put your graphics

1497
01:13:08,400 --> 01:13:10,120
Speaker 7: in your logo. But I teach you how to set

1498
01:13:10,120 --> 01:13:11,599
Speaker 7: your whole business up. I teach you how to set

1499
01:13:11,680 --> 01:13:13,559
Speaker 7: up a tradeline business. I teach you how to set

1500
01:13:13,600 --> 01:13:15,840
Speaker 7: up a funding business. In the funding business, I'll show

1501
01:13:15,840 --> 01:13:18,360
Speaker 7: you how to get one hundred and fifty thousand, how

1502
01:13:18,400 --> 01:13:20,840
Speaker 7: to go out basically and get fifteen credit cards with

1503
01:13:21,000 --> 01:13:25,320
Speaker 7: only five inquiries. I also teach you business credit on

1504
01:13:25,520 --> 01:13:27,320
Speaker 7: how to get credit up to two hundred and fifty

1505
01:13:27,360 --> 01:13:30,280
Speaker 7: thousand with your social and without your social And then

1506
01:13:30,320 --> 01:13:33,320
Speaker 7: I teach you how to do the funding business right.

1507
01:13:33,640 --> 01:13:36,000
Speaker 7: If you guys go through my stories on my mentorship,

1508
01:13:36,280 --> 01:13:38,280
Speaker 7: I walked somebody through and I got them one hundred

1509
01:13:38,320 --> 01:13:41,680
Speaker 7: and ninety one thousand with my credit card sequence. It

1510
01:13:41,760 --> 01:13:43,240
Speaker 7: took us an hour and a half and an hour

1511
01:13:43,240 --> 01:13:45,519
Speaker 7: and a half, I mean nineteen grand. Because whenever you

1512
01:13:45,600 --> 01:13:47,639
Speaker 7: help somebody get funded, you charge your back in fee

1513
01:13:47,680 --> 01:13:49,960
Speaker 7: of ten percent. I teach you how to set that

1514
01:13:50,080 --> 01:13:53,040
Speaker 7: money up and ensure that you get paid. Not only that,

1515
01:13:53,200 --> 01:13:55,080
Speaker 7: then I teach you how to travel for free. I

1516
01:13:55,200 --> 01:13:57,519
Speaker 7: teach you luxury cars, how to go out and get

1517
01:13:57,600 --> 01:14:00,519
Speaker 7: luxury cars and only pay pennies on the dollar. I

1518
01:14:00,600 --> 01:14:02,560
Speaker 7: had an I eate, paid eleven hundred, had it for

1519
01:14:02,640 --> 01:14:06,280
Speaker 7: six months, right, And these are the type of things

1520
01:14:06,400 --> 01:14:07,920
Speaker 7: like I teach you how to go out and get

1521
01:14:09,479 --> 01:14:11,920
Speaker 7: how to travel for free, how to liquidate your credit

1522
01:14:11,960 --> 01:14:13,559
Speaker 7: cards because I know a lot. I'm teaching you guys

1523
01:14:13,600 --> 01:14:18,200
Speaker 7: about kind of pulling the money and switching it. But

1524
01:14:18,360 --> 01:14:19,840
Speaker 7: we would have to have a whole lesson on how

1525
01:14:19,880 --> 01:14:22,599
Speaker 7: to pull the money off without assessing the fear doing

1526
01:14:22,600 --> 01:14:24,320
Speaker 7: a cash event. So I teach you guys how to

1527
01:14:24,360 --> 01:14:26,760
Speaker 7: pull the money off the credit cards. That way you can,

1528
01:14:26,920 --> 01:14:29,960
Speaker 7: you know, go and invest or hide your utilization. These

1529
01:14:30,000 --> 01:14:33,519
Speaker 7: are all things that's included. Then I have weekly calls

1530
01:14:33,640 --> 01:14:35,599
Speaker 7: where we have somebody come and teach.

1531
01:14:35,880 --> 01:14:36,040
Speaker 5: Right.

1532
01:14:36,400 --> 01:14:38,840
Speaker 7: So the thing is we learn how to get money

1533
01:14:38,880 --> 01:14:41,840
Speaker 7: and you set your businesses up. But we want to diversify.

1534
01:14:41,920 --> 01:14:44,519
Speaker 7: Every millionaire has seven streams of income. And so what

1535
01:14:44,600 --> 01:14:46,519
Speaker 7: I did was I had, like my good friend Alex,

1536
01:14:46,800 --> 01:14:48,800
Speaker 7: he came and he gave the infold of the seven

1537
01:14:48,840 --> 01:14:51,040
Speaker 7: steps to start in the trucking company. I have my

1538
01:14:51,160 --> 01:14:53,559
Speaker 7: friend Justin Owen's come and teach how to actually get

1539
01:14:53,800 --> 01:14:58,400
Speaker 7: and invested in how to do four rex Wall Street trapper.

1540
01:14:58,479 --> 01:15:00,439
Speaker 7: He came and taught us how to get it invested

1541
01:15:00,439 --> 01:15:02,200
Speaker 7: in the stock market, how to break down a company

1542
01:15:02,479 --> 01:15:04,800
Speaker 7: and know where to invest. So it's every you know,

1543
01:15:04,880 --> 01:15:09,120
Speaker 7: we constantly teach different topics. The next one is the

1544
01:15:09,800 --> 01:15:14,080
Speaker 7: touro how to actually start and scale a touro business profitable.

1545
01:15:14,280 --> 01:15:16,560
Speaker 7: These are all the things that get taught in it

1546
01:15:16,800 --> 01:15:20,240
Speaker 7: so that way you can establish more streams of income,

1547
01:15:20,520 --> 01:15:24,320
Speaker 7: you know, and that's why we become recession pos session.

1548
01:15:25,280 --> 01:15:27,960
Speaker 4: You have been so yeah, that's the website rp xyl

1549
01:15:28,040 --> 01:15:32,240
Speaker 4: dot com. Cheapest price for that for Marcus's course, and

1550
01:15:32,600 --> 01:15:34,120
Speaker 4: once again we want to thank you. And then, like

1551
01:15:34,200 --> 01:15:37,759
Speaker 4: I said, the five hundreds a special number because Eyo University.

1552
01:15:37,800 --> 01:15:39,560
Speaker 5: This is what we do every single week. We have

1553
01:15:39,600 --> 01:15:41,040
Speaker 5: a class at Eyle University.

1554
01:15:41,600 --> 01:15:44,240
Speaker 4: And the good thing about it is that once the

1555
01:15:44,240 --> 01:15:46,840
Speaker 4: class is done in archives, but it's over one hundred

1556
01:15:47,560 --> 01:15:51,120
Speaker 4: past classes, do weekly classes and like how Marcus walked

1557
01:15:51,400 --> 01:15:53,160
Speaker 4: the young lady through as far as like that's the

1558
01:15:53,200 --> 01:15:55,280
Speaker 4: different people say, like what's the difference between EU University

1559
01:15:55,320 --> 01:15:57,640
Speaker 4: and just the regular podcast where it's like this is

1560
01:15:57,720 --> 01:15:59,960
Speaker 4: actually interactive. You get to ask zoom questions, you get

1561
01:16:00,080 --> 01:16:02,679
Speaker 4: to get your hand held and all of that. Of course,

1562
01:16:02,880 --> 01:16:06,200
Speaker 4: MG the mortgage Guy put together the real Estate Blueprint

1563
01:16:06,320 --> 01:16:10,080
Speaker 4: of how to buy a Home, and that's over one

1564
01:16:10,160 --> 01:16:13,040
Speaker 4: hundred videos, over fifteen hours of content A to Z

1565
01:16:13,600 --> 01:16:16,800
Speaker 4: that's included in Eyo University. We have movie club, we

1566
01:16:16,840 --> 01:16:18,639
Speaker 4: have a book club, I have a financial planning call

1567
01:16:18,720 --> 01:16:21,640
Speaker 4: once once a month. And the newest thing is that

1568
01:16:21,720 --> 01:16:24,280
Speaker 4: we added our group chat, our investment group Chat. So

1569
01:16:24,320 --> 01:16:26,759
Speaker 4: we're gonna do zoom calls with everybody in Eyo University

1570
01:16:27,200 --> 01:16:29,240
Speaker 4: and just tell you the plays that we're making, give

1571
01:16:29,280 --> 01:16:31,680
Speaker 4: you insight to our portfolio, and we're just gonna have

1572
01:16:31,720 --> 01:16:33,600
Speaker 4: a discussion. Hopefully we can learn, we be able to

1573
01:16:33,680 --> 01:16:35,720
Speaker 4: learn from somebody that's doing So we're just gonna have

1574
01:16:35,800 --> 01:16:41,120
Speaker 4: like a whole group conversation of empowerment, investment, empowerment. We're

1575
01:16:41,160 --> 01:16:43,280
Speaker 4: gonna let you know what we're doing and hopefully you

1576
01:16:43,360 --> 01:16:45,519
Speaker 4: let us know what you're doing, and we're gonna put

1577
01:16:45,560 --> 01:16:47,400
Speaker 4: together some plays and we're gonna make a lot of money.

1578
01:16:47,840 --> 01:16:51,280
Speaker 4: So yeah, so that's we letting that that's that's seventy

1579
01:16:51,320 --> 01:16:53,639
Speaker 4: five percent off for seventy two hours. That's five hundred

1580
01:16:53,680 --> 01:16:57,960
Speaker 4: dollars for the entire year. Market said, that's extremely undervalue.

1581
01:16:58,080 --> 01:16:58,720
Speaker 4: I agree with them.

1582
01:16:59,479 --> 01:17:03,280
Speaker 7: Somebody to said in the in the comments, Ashley Alexander,

1583
01:17:03,680 --> 01:17:06,320
Speaker 7: my viction, I just disputed. It has been deleted.

1584
01:17:06,320 --> 01:17:09,160
Speaker 4: Come on, y'all, I'm the one, the one that you

1585
01:17:09,280 --> 01:17:11,000
Speaker 4: just the one that you just spoke to. Yeah, no,

1586
01:17:11,439 --> 01:17:14,679
Speaker 4: that was I got christ somebody else.

1587
01:17:14,760 --> 01:17:17,599
Speaker 3: I got Christa right here waiting. Kristen, I'm used yourself.

1588
01:17:17,640 --> 01:17:19,160
Speaker 3: You've been on you know what's going on stoup date.

1589
01:17:19,600 --> 01:17:23,000
Speaker 15: Hey, so I just refreshed it. I don't see any

1590
01:17:23,200 --> 01:17:26,879
Speaker 15: change yet, but I'm pretty sure the sun comes.

1591
01:17:26,680 --> 01:17:27,400
Speaker 12: Through at some point.

1592
01:17:29,600 --> 01:17:33,920
Speaker 7: Lock out of your logout, log back and again and

1593
01:17:34,080 --> 01:17:35,800
Speaker 7: do it again and it'll it'll go through.

1594
01:17:36,960 --> 01:17:40,320
Speaker 4: Thank you, Krista, Thank you all right, him, I know

1595
01:17:40,360 --> 01:17:42,000
Speaker 4: you gotta I know you gotta go because you got

1596
01:17:42,040 --> 01:17:43,559
Speaker 4: your your your your call.

1597
01:17:44,200 --> 01:17:46,200
Speaker 5: So thank you, thank you for joining us.

1598
01:17:47,120 --> 01:17:49,560
Speaker 4: This replay was going to be available on YouTube and

1599
01:17:49,680 --> 01:17:52,200
Speaker 4: we'll also put it on podcast outlets on Friday, so

1600
01:17:52,520 --> 01:17:54,000
Speaker 4: you can go back and check it out.

1601
01:17:54,680 --> 01:17:56,360
Speaker 3: Last thing, real quick, I see that market shout out

1602
01:17:56,360 --> 01:17:58,640
Speaker 3: to Marcus you put in the chat. Maybe somebody can

1603
01:17:58,840 --> 01:18:01,000
Speaker 3: take advantage of this and say military people that are

1604
01:18:01,040 --> 01:18:04,479
Speaker 3: in here. American Express Platinum has an annual charge of

1605
01:18:04,760 --> 01:18:07,160
Speaker 3: five hundred and fifty dollars that can be completely waived

1606
01:18:07,360 --> 01:18:08,519
Speaker 3: for military members.

1607
01:18:08,880 --> 01:18:10,640
Speaker 8: So that's something that you know you could probably take

1608
01:18:10,640 --> 01:18:12,320
Speaker 8: advantage of. Check it out. Appreciate that, Marcus.

1609
01:18:12,640 --> 01:18:12,880
Speaker 5: Sure.

1610
01:18:13,000 --> 01:18:16,240
Speaker 4: So all right, all right, gush, stay rocking with us.

1611
01:18:16,320 --> 01:18:18,960
Speaker 4: We'll see you next week, see you next month for

1612
01:18:19,040 --> 01:18:21,639
Speaker 4: this one. Book club, we'll see you Sunday. Yeah, book club,

1613
01:18:22,240 --> 01:18:27,120
Speaker 4: y mg de mortgage guy tomorrow tomorrow. What's what's the topic?

1614
01:18:28,360 --> 01:18:30,360
Speaker 4: House hacking one on one? If you're in the blueprint,

1615
01:18:30,760 --> 01:18:33,040
Speaker 4: you're part of the mentorship program. That's another thing. Real

1616
01:18:34,000 --> 01:18:36,920
Speaker 4: estate mentorship program is part of the blueprint to ey University.

1617
01:18:37,000 --> 01:18:40,439
Speaker 4: So house hacking one on one tomorrow, make sure.

1618
01:18:40,320 --> 01:18:40,960
Speaker 5: You check that out.

1619
01:18:41,160 --> 01:18:44,639
Speaker 4: We got our orientation Saturday and Saturday, book club Sunday,

1620
01:18:44,680 --> 01:18:46,800
Speaker 4: and book club is on Sunday, so.

1621
01:18:47,000 --> 01:18:49,160
Speaker 8: You know we always and then we'll see our Monday

1622
01:18:49,160 --> 01:18:50,080
Speaker 8: again for market Monday.

1623
01:18:50,120 --> 01:18:52,599
Speaker 3: So you know, y'all take care of yourselves, reach out,

1624
01:18:52,720 --> 01:18:54,760
Speaker 3: call someone, make sure that everybody's doing good.

1625
01:18:54,840 --> 01:18:56,639
Speaker 8: Y'all, stay blessed. And stay healthy man. We love y'all.

1626
01:18:56,680 --> 01:19:02,679
Speaker 6: Peace my graduates from my school being forced bad drop

1627
01:19:03,360 --> 01:19:07,160
Speaker 6: bag drop my drop bag, drop drops.

1628
01:19:18,360 --> 01:19:22,200
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