Credit & Travel-Hacking Blueprint

Credit Fundamentals
➢ “What is credit?”
○ Credit​ is an agreement with an individual and the bank to borrow money
for a certain period under certain conditions. Both the positive and
negative outcome of that agreement is reflected on your credit report.
○ If you haven't realized this already, Credit is the most critical piece of
knowledge you ​DIDN'T​ learn in school, yet you use it just about every day
when using your credit card, getting a car loan, and even getting a
mortgage. Credit is something you ​NEED​ to know- knowing credit puts
you and your business in a much better financial position.
➢ “What is considered a ‘strong’ credit profile?”
○ A strong credit profile has a 720+ credit score, 0 to very minimal hard
inquiries, 2+ years of credit age, no derogatory marks, and has 2 - 3
primary accounts reporting.
○ Checking your credit report for free can be done on
www.annualcreditreport.com​ once or ​www.identityIQ.com​ for a fee, which
will get you the report and FICO. Otherwise, you can use Credit Karma &
Experian to monitor your credit for free.
 Credit Repair

➢ “I have charge-offs, late payments, and other negative remarks

on my credit. Can I do anything about it, or do I need to wait for

7yrs for the accounts to fall off?”
○ You can potentially remove just about any mark that is reporting negative
on the credit report. Whether it is a late payment, charge off, or just about
 anything else. Credit repair ​CAN​ be done by yourself; learning the process
is essential to determine your success with cleaning up your credit.
➢ “How much time would it take to get my credit straight
(720+score)?”
○ Going from a ​moderately low score in the 600s ​can​ ​be a speedy
process (​30-60 days​); otherwise, it may take some more time (from
30-120 days​). The fewer accounts you have, the more significant the
difference is in removing a particular negative account. That will better
your credit score as a result.
➢ “How does credit repair work?”
○ Nearly 70% of low credit scores​ get attributed to high utilization and
payment history (ideally, every account should report under 10% utilization
at the closing date. Something like a 90% utilization is as bad as missing a
payment in terms of how it affects your score)
○ Late payments​ kill your score as well, but most times, you can negotiate
removal directly with your creditor.
○ Credit repair is a compilation of methods and tactics from legal letters,
goodwill calls, third party disputes to remove any negative remark you
have
○ Some disputes will be done directly to the credit bureaus, creditors, and in
some cases, a third party like the Consumer Financial Protection Bureau.
➢ “WHAT DO I DO ABOUT COLLECTORS HARASSING ME ?”
○ Collectors are always calling and harassing about “a debt,” not “your
debt,” trying to collect an amount they purchased from the original creditor
for 10-20% of the original debt.
○ Simply paying a collection will ​NOT​ better your credit score because the
collection will still remain on your credit.
○ Alternatively, you should ​NOT​ pay the collectors and instead, first, stop
the harassing phone calls by picking up and saying, ​“YOU ARE CALLING
 ME WHILE I AM WORKING AND PREVENTING ME FROM EARNING
MONEY. DO NOT CALL THIS NUMBER AGAIN AND ANY FURTHER
COMMUNICATION SHOULD BE DONE IN WRITING”​ - the phone calls
will now ​STOP​.
○ You will have a paper trail that instantly shows any mistakes on the
information they have on you and can be used to invalidate the debt
immediately. But this is the first step, and from here, you will work to
invalidate the collection via bureaus, directly to collectors, and third parties
like the Consumer Financial Protection Bureau
➢ “When can I start applying for cards and using my credit after
credit repair is completed?”
○ Your score must be at a minimum of 720, utilization on ​EVERY​ account
under 10%, no late payments on closed or open accounts, and no other
negative remarks. Only then will you be ready to use your credit.
 Foundation Building

Before you’re able to do ​ANYTHING​ with your credit, the first step is to
build a solid foundation (multiple credit cards, lots of positive payments
reported, a 720+ score, and never have high utilization). Along with this,
you should be building relationships with multiple banks by opening a
simple checking account and showing some activity. I recommend starting
with top banks like Chase, Citi, Wells Fargo, etc.
➢ “Which credit card do you recommend starting with?”
○ DiscoverIT Student or Chase Freedom are great starter cards. However, if
you don't get approval, then go for a “secured” Capital One credit card,
which will be a guaranteed approval with a small deposit.
➢ “Anything I can do to better my credit from the start?”
○ Get added as an authorized user to someone's good-standing account
and adopt their account’s credit history.
○ Add a primary tradeline like MyJewlersClub as one example.
○ Use every one of your cards monthly to maximize reported positive
payments.

➢ What is the ultimate establishing and scaling goal?

1. Establish personal credit
2. Scale personal credit (at least 50k in available credit)
3. Establish business credit (using your established personal credit)
4. Scale business credit where you can now fund a business,
investments, and not affect your personal credit with all the benefits
of 0% capital, massive travel rewards, more!
 Basics to Travel Hacking

Travel Hacking in the basic term is leveraging credit card rewards and
points. To maximize being able to get ​free flights​, ​hotels​, ​car rentals​, and
upgrades​ on all of the above anytime you travel, you must get very familiar
with the following:
➢ Establishing your credit correctly (allowing you to get the best cards, lots of them,
and ​maximize​ the ​bonuses​ at the same time)
➢ Credit card sequencing​ - understanding how and when to apply for credit cards
to obtain 6-10 cards in one application with maximum bonuses and rewards
➢ You should also know that there are methods to travel hack that don’t require
credit at ALL, and even with bad credit, you’re still able to implement these
hacks. ​HOWEVER,​ when you have both excellent credit and the knowledge on
travel-hacking without using any credit, that’s when you can get the $15,000
flights for only a few hundred dollars or stay at the Ritz Carlton for next to nothing
instead of paying $1400 for a suite.
➢ “How do points work? How do I make the most of them?”
○ Points are either received from sign-up bonuses or simple spending (this
is why when we apply for cards, we ideally go for 6-8 in one time).
○ “Manufactured Spending”​ is a method to get points without having to
spend a single dollar (the basic methods like gift cards are risky and not
worth the effort) - this is where you need to start learning the advanced
teachings.
○ Points​ + having airline, hotel, car rental ​status​ is the best way to
maximize points where you use less and get more (meaning free
upgrades).
 What’s Possible with Credit

➢ “How much time would it take to scale my credit?”

○ With a proper gameplan and understanding of credit, you can scale
0-$100k in available personal credit by your second year. Business credit
is even faster because it depends on your personal credit, among other
factors - You can go from 0-$250,000 in business credit your first year.
➢ “Can I liquidate Credit into CASH?”
○ Yes, it is possible to turn Credit into CASH for investment or funding
purposes ​WITHOUT​ having to pay any interest ​OR​ incur any fees, ​WHILE
still getting all the credit card points for the amount of cash liquidated -
This is advanced and only part of the Inner Circle teachings, but now you
know it is possible!
➢ “Can I make money from this? If so, how?”
○ Credit is quite literally a power that, ​IF​ you understand how to leverage it
correctly, will allow you to fund businesses, investments like real estate,
things that produce cash flow that you wouldn't have if you didn't have
access to credit. Additionally, the money you SAVE having good credit is
in the 100s of thousands over a lifetime (and this is real data)
➢ “Which business would you recommend to leverage credit?”
○ When choosing a business to leverage credit, a good rule of thumb is
choosing a business that will cash flow on the first day (such as
e-commerce) and ideally appreciate in value over time (i.e., single or
multi-family real estate investing).
○ To minimize risk, using cash, in the beginning, to make sure your business
is profitable and then bringing credit into the equation to continue funding
and scaling is the best method for any venture, small or large, to minimize
risk and increase profitability.
Now that you have a basic understanding of how Credit &
Travel Hacking works, you have a choice to stay with the
basics or level-up and join Inner Circle where all the
ADVANCED Credit & Travel Hacking secrets are shared
that 99% of people will never know…

Here is the breakdown of what the Inner Circle is and what you’ll get:

How to:
✔ Waive Credit Card Annual Fees
✔ Achieve Huge Personal Credit Lines of $200k+
✔ Get Any Top Hotel Status
✔ Get Top Airline Status
✔ Get Any Top Rental Car Status
✔ Get Secret Offers & Sign Up Bonuses
✔ 8/10 Card Approvals in 1 Day
✔ Get Free Vacations Every 3 - 4 Months
✔ 60% - 80% Off Luxury Rentals
✔ First Class Flights For The Price of Economy
✔ Airport Hacks (No Lines, VIP Lounge Access, and more!)
✔ Manufactured Spending Methods and Updates
Credit Repair:
✔ Full Video Guides
✔ Legal Letter Resources
✔ Late Payment Removal
✔ Collection Removal
✔ Trade Lines Available
✔ Show 0% Utilization (while having up to 60% utilization)

BONUS TEACHINGS:
✔ Free Tesla Hack
✔ Yan’s current and future investment strategies
✔ Real life credit & travel hack breakdowns
✔ Much Much More…….

As we move further along, many more resources, hacks, and

knowledge will be added (business credit, updated secrets, and even
intros to top performers in different businesses)

HOW TO JOIN INNER CIRCLE ​($1k Lifetime Access):

1. DM @KingCredit “I want Inner Circle access” on Instagram
2. Upon payment you will have immediate access and be part
of the Inner Circle for life !
3. BONUS - Mention you have this blueprint and you will get
an inclusive month of 1-1 DM support to assist with your
specific questions and personal gameplan