So, ever since I’ve bounced back from financial ruin, I’ve kept a stern eye on my credit score. Currently, I’m only 2 points away from an excellent score, entering the…
So, ever since I’ve bounced back from financial ruin, I’ve kept a stern eye on my credit score.
Currently, I’m only 2 points away from an excellent score, entering the 1% club. I’m not going to put all my information out there, but here’s an idea in the form of a screenshot, taken from my Experian account:
I would currently be at a full excellent score if it weren’t for a few hard inquiries that I’m waiting to drop off at the end of the year.
I ended up having to make hard decisions that destroyed my credit seven years ago, during a crisis with my family. I decided to become a homeless vet, rather than endure the family culture that was my original house.
This is also what partially led to me eventually declaring cultural independence from African-Americans, with a handful of veteran brothers of mine.
I’ve thoroughly researched whatever is known about the algorithms of the credit bureaus by following people like Ask Sebby on YouTube:
…as well as calling my credit bureaus for confirmation of different questions I’ve had about my specific situation.
I started with a Navy Federal secured card to start rebuilding my credit. If memory serves correctly, I backed it with only $500.
After a while, I proved myself responsible with regular payments, leading to a credit limit upgrade to $1,000.
Then, later on, I was able to get it upgraded to $11,000.
And then I got an American Express gold card once my credit returned to 730.
Throughout this process, I was building my marketing strategy firm, which started off as a fully online microbusiness. This is what I used to repay all my debts, as well as fund my education in physics.
I had already expended my GI Bill benefits on my first degree I earned while I was in China: a business degree in marketing strategy. So, I’ve had to pay my way through my physics program in cash.
After I began to touch the surface of the 750 credit range (which is what creditors count as “excellent,” with anything above it being superfluous), I outlined a step-by-step strategy for me to get it past 800, and onward to the legendary 850.
Most people say such a credit score is superfluous, and in most cases, they’re correct.
However, what my studies have taught me is that there is, indeed, a use for such a credit score: bidding on houses and apartments.
When two or more people put in bids for real estate, whoever has the higher credit score is more likely to win.
This is critical for my position as the leader of the Vannoken tribe because I’m going to want to have as a great an edge as possible in bids for lands and housing as we expand our cultural territory and buy assets to pass on to future generations of our people.
Once I get to the 21+ accounts mark as needed to enter the legendary 850 club, I can then buy acre after acre of land, house after house, and then rent them out like any other real estate company.
This is a huge advant