The Koerner Office - Business Ideas and Deep Dives with Chris Koerner - How Anyone Can Borrow $500K at 0% Interest - Ep. #337

Episode Date: September 22, 2026

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You can get up to 500,000 with interest rates as low as 0% and repeat the process every six months. And it's just that knowledge of knowing that that's even a possibility, more people would take advantage of it. Like Chase, for example, you can get up to 150,000 without any documentation. 13 credit cards in just 10 days. He got 150,000 and 0% interest. He got 13 credit cards. He got a sign up bonus for each one. So he ended up walking away with like $15,600 and just free cash.

He just wanted the cash. He didn't want to travel. But if he wanted to use it for travel, he actually could have got 7 to 21 X return off of it. Wow. Hundreds of thousands. Crazy. Wow. I can get my credit limit transferred into my bank account.

And they'll do it the very next day. I had no idea this existed. Oh, yeah. Yeah. Yeah. So many people don't. My guest today is an expert at using zero interest credit cards to get from 500,000 to over a million dollars in cash.

Now, this could be cash to start a business, buy a business. develop real estate, buy real estate, Airbnb, investment property, whatever, 0%. There are loopholes out there that are perfectly legal and ethical that everyday individuals can get. And if you don't have good credit, we talk all about very specifically how to get good credit in a short period of time. It applies to anyone and everyone. Please enjoy. How long have you been doing this? So I've been in the funding, like following what the banks do and what the mega wealthy do since 2011. So I've been doing it for 15 years. I started in using it finally for real estate in 2015.

And that started changing my life using credit cards to buy real estate. Okay. So are you exclusively helping people get funding through credit cards or is that just one way? It's just one way. But the zero percent interest, it's only in credit cards. But there's over 400 different products and services that the banks offer. Mortgages first prioritize and then credit cards and then lines of credit or loans. And then lastly, auto loans.

Oh, okay. In that order. Like loans against cars that they own? Just if you wanted to get like a vehicle or something, like it's the easiest to get. Okay. So you want to do that last versus a mortgage. They're going to be more critical about, you know, applications you've applied to in the last six months. So let's say I own a plumbing business, a million dollars in revenue.

Yeah. I pay myself 150 a year. Yep. One crew. I want a second crew. I need a second van. I need to hire. I need to make some investment.

Let's say I need 150. You said you start with mortgage. What would you advise me to do as step number one? Yeah. If you wanted to prioritize real estate right now and get a mortgage, then we would talk about that first. But if you're not, then you're just looking for capital, like working capital, cash. Then you would go after credit cards.

And I would want you to go after the 0% and on the business side specifically if you're going to leverage it. Okay. Okay. And then if you needed vehicles to actually just grow. grow and scale on that end, then we would prioritize that. You would just identify how many vehicles do you want. And then obviously we want to put it on the business side. And we want you to leverage the full amount, not just like I don't want you to have to put anything in. So there's different

loans and different opportunities that you could build the, for example, like Bank of America, you could open a brand new business account with them, wait about two weeks, put some money into it. and then afterwards apply online and you can actually get up to four auto business loans up to $50,000 each very easily. Okay. So if I, let's just say I needed four vehicles for my business. Yeah. You'd go straight to that.

Yeah, I would go straight to that to get pre-approved. And then there's some cool hacks that I would recommend for just auto dealerships or getting a car in general, like going the last day of the month. and then also looking each dealership has like a leadership board

and so you want to look for that and you want to look at the guy on the last maybe not necessarily him because he might be getting canned already and go to the next guy right above it and go about two to three hours

before they close okay on the last day of the month on the last day of the month because they're willing the financing department and the company itself are willing to go hand over fist

to be able to hit their quotas and hit their numbers. Maybe the last day of the quarter even better, right? Yeah, sometimes. Yeah. Yep. And so if John is the second or third worst, the, the, I've, I've sold used cars before. He was the worst. Yeah. But you're thinking, all right, this guy's hungry. Like, he needs something.

For real. He's willing to, to maybe sell it for a little less. Yeah. The manager's willing to work out something for them just to keep them alive. Like, they're, they care more about the volume. And so sometimes they'll, they'll be okay with even take. sometimes a loss. You'll get the best deal then. Okay. Yeah. Okay. So that's just kind of like you consulting. But in addition to that, you would probably say go to Bank of America. Yeah, get those

pre-approvals first because now you have more power to go into. Yeah. And then now you can really negotiate because it's like, oh, it's basically cash. Yeah. You know, like I'm good to go right here. Okay. What would it take for a business owner to qualify for that one specifically? Like 700 credit score or what would they look for? Yeah, ideally they're looking at credit score. They're looking at sometimes bank statements, just the last two to three months. Okay. So there's cool different techniques that you can do just to, they just want to see more money going in than going out over last 30, 60, 90 days in some cases. Does the bank care about profit or revenue and or like transaction volume? They care about transaction volume. They care about how many transactions. They get

very jealous and territorial because they're marketing companies basically. They're competing against other banks. So they want to feel like they're the only one. So if you can be with them for a long time, never close out your bank accounts, have multiple products and services with these banks and then have at least 17 transactions or so per month going in and out of 17. Yeah. Okay. Because otherwise if it's just sitting there, then it feels like it's a same thing. It's going to run out eventually, right? They need to see movement. Yes. They want to see movement. Yes. They want to see movement. They want to feel like they're the only ones. They're looking at the average balance that you're holding. They want to see more money going in than going out. Some banks care all the way up to

six months, you know, but a lot of them 30, 60, 90 days they'll care about. So let's say I need 100 grand for my business just for operating capital or whatever. I'm assuming credit cards in that case. Yeah, especially 0%. The 0% is anywhere from 6 months to 24 months, but on average is very common to see 18 months. Okay. And the cool part is every six months per person, you can repeat the processing and do it again. Okay. And so our goal is to show members how to actually get up to 500,000.

Hmm. So if you got just 100,000, it'd be a super disappointment. Yeah. How is that possible? Like what types of cards are you having to put together to get 500? Sure. Anywhere from 10 to 50 plus applications. Okay.

Different cards? Yeah. Like, MX, Chase, whatever. Well, those are the common big banks. So how we break it down is three levels. Big banks first, regional bank second, small local credit unions last. Okay. There's a lot of power in the small local credit unions, but each one's going to be different

between your area. Okay. And there's the fewest of the big banks. And there's probably like a medium amount of the regional banks. And there's thousands of the credit unions. There's thousand. So big banks, there's about a. or so, maybe a little bit more.

You know, Chase, Bank of America, Wells Fargo, City, Capital One. They have the most money. Yeah, they have the most money, you know, so they're going to be somewhat easy, but they also have certain bank rules? Like, have you ever heard of the Chase 5 and 24 rule? Mm-mm. Or the 2 and 30-day rule? Mm-mm.

So these rules are specific to the big banks. Like Chase, the 2 and 30-day rule is if you've already been approved for two cards in the last 30 days with Chase, they're going to naturally. deny you for a third. Okay. Unless you have a business bank relationship manager that's good and knows what they're doing. Okay. If you've applied for and got approved for five cards with any banks in the last 24 months,

two years with Chase, they're just going to deny you. Okay. Because they're very jealous and territorial. They're not great, but there are rules to the game. Yeah. So if someone were to get 500,000 in zero interest credit cards, what would that breakdown look like? How much would they be getting from the big banks versus medium versus credit unions?

Yeah, that's a good question. It is probably on the lines of like two to 300 they could get just from the big banks. Okay. Like 150 to 250, something like that. Okay. And then the regional banks, you can get another 200 or so. And then small local credit unions. All this really depends on your relationships with them and what you're saying and what your current credit profile looks like. if you have credit cards with limits under $1,000, then when a new bank pulls your credit,

they're going to see, oh, this bank over here that you've had a relationship forever. They don't like them. Why should I like them? Exactly. They're going to say, well, they don't trust you with even $1,000. Why should we? Yeah. So it's important to use your credit properly to get high limits and saying the right things. Once you do that and you position yourself in a good stance, then you can, you're just doing it in a domino effect. And if you get that, Like, are you just getting a cash advance wired to you? Yeah. So liquidation, right?

How do you liquidate the credit cards in the cash? Right. So there's dozens of ways to be able to do this. How I originally started is there's, you know, the quote unquote balance transfer or cash advance, like you mentioned. But you want to make sure it's at a promotional rate. If you don't do that, then it's going to end up being the mafia rates of 20, 30, 40 percent. So you don't want to do that. But you can call in.

to them and you can ask, is there any way that I can get my credit limit transferred into my bank account? And they'll do it the very next day. And the cool part is usually it's a flat fee of one to five percent. Okay. There's other platforms like plastic that you can use, bill pay, zill money, Milo. There's dozens of different ways. They can just become a little bit more terms and conditions. You've got to understand them so you can weave through them. Okay. So if I have like a venture rewards card, $40,000 limit, I call them up and say, hey, I need, I need that 40 grand in my checking account. Yeah. And they'll say 1% fee. And I say done. Done. Yeah. Okay. That's pretty common. It's common for about 3%. That's a more common fee you're saying. Yeah. Okay. And some like Chase or some of these other banks, they've been doing the last year or so, they've been doing more of that closer to 5% flat fee. Okay. So in this case, it would be. $1,200 fee. Not getting that back. You're not getting that back. It's one time it, they just they'll liquidate the full amount. They'll put it into your, into your checking account. You can use it.

It's cash. Now you have, you're responsible for making your monthly minimums, right? And then it's zero percent interest for, let's say, 18 months. So it's not due the whole principle until then. So that's great. But you also, there's certain little terms and conditions you want to be mindful of. many times you can't use that credit card for any new transactions. If there's a little bit of availability on it, if you use a transaction or a subscription on it, then it will actually start hitting you with interest for all of it. It's crazy.

I've learned that mistake a few times. And luckily, you can call in kind of complain and they'll reverse it and get you taken care of. Okay. Yeah. But then I have like a full credit limit. And that's not good for your credit, right?

Don't you want a lower credit utilization score? Correct. So that's why when you leverage, you want to do it more on the business side. The personal is really your foundation to get more business. And down the road, let's say you get a million in personal credit down the road. You can use 29% of it and it's not going to hurt your score. It's not going to fluctuate your score going up and down, even on the personal side. So if you get a million on the personal side, then you can take out $290,000, have a balance of it.

And it's not going to affect your score. Okay. So let's say I want to buy like a short-term rental, right? Something for Airbnb. It's 500,000. The bank needs 15% down. Yeah. So 75 grand.

Yeah. Right. If that were you, personally, you wanted to buy a $500,000 Airbnb. Yeah. What would you do specifically to get that 75 grand? You had no cash in the bank. You had no, what if you have no business? You have no entity, no LLC, nothing.

Dude, this was my story. Exactly. I didn't have an LLC. I went after business credit though anyway. Okay. And so with some banks, especially the big ones, you don't necessarily even need an LLC. You're just like a sole proprietor? Yeah, it's just a doing business as.

Okay. And I put my social for the EIN number, you know. And so my score was good. Luckily, I had decent size credit limits from every six months just randomly asking for more. And I paid it off. Like, I would use the card heavily and I would pay it off each day, you know, just get into that routine. So I don't need to get out of control with it. And at the end of the day, with certain credit cards, let's say you have like a $20,000 credit card limit, right, with Chase, for example.

And then you have another airline credit card with Chase that is a $50,000 limit, but it's not 0% interest. But you're like, what am I doing with this card? You can actually call that bank like Chase and just ask them to transfer the limit over into, your 0% interest card, that 20,000. You can combine it. You know, that whole bank, Chase, they've given you the threshold of 70,000 or whatever, you know, those numbers are, right? Yeah. And so you can just leave $1,000 on that one card, transfer the rest of the limit on this 0% interest card, be able to stack it up. Yeah. And then I would ask them, hey, is there a way that I have this great opportunity? Like, I want to take advantage of it. It's going to be an awesome

investment, you know, can I use your balance transfer, the promotional 0%, you know, and get hit with a flat fee? They'll put it in the bank account. And balance transfer, that's just you getting the credit limit as cash in your checking account. Yeah. So the balance transfers, truthfully, it's their best terminology that they're going to understand. Yeah. So the best thing that you can do is either label it as the balance transfer or cash advance, but at a promotional rate and you want it not to pay off any other credit cards or any other bills. Because that's what I think of as a balanced transaction. 100%. Yeah. But instead, you want it into your bank account. Okay. So if that were you in that

case, you wanted to buy this Airbnb. What in this scenario, what kind of a credit score would you need to have? Yeah. So to be able to get funding, you can really be in even the 600s, like high 600s. If you don't have any late payments, collections, derogatory, remarks at all, then most likely you're in the low to mid-700s. Okay. And if you're there, there's no reason in the world why you can't be and you shouldn't be in the 800 club in the next 30 days. Yeah. It's very simple. It's very easy. And so getting to the 800 club in 30 days, all it comes down to is after the fixing is done, you're not going to have, there's six boxes that make up your credit profile. Three of those are for fix related, like late payments or

your payment history, derogatory accounts, like collections, charge off things like that, and then your heart inquiries. Okay. The other three boxes are for build. Those make up 55% of your FICO. Okay. And so it's a big deal and a lot of people sleep on it. What that includes is the total accounts.

You want to be at 21 plus total accounts. Like total accounts as in bank accounts, credit cards, like shopping cards or... Yeah, yeah. So they don't count bank accounts. like checking and savings, but they do for... Loans, credit cards, shopping cards. Yeah. So it's six different products.

It's personal loans, auto loans, mortgages, student loans, retail credit cards, and regular credit cards. Okay. So six different products. So 21 plus of those is ideal. Yeah. It's not the myth that we grew up with having only two or three, you know? They want to see mixed use as well that you can handle and manage credit properly.

So that makes up 10% of your FICO. Your average credit age, it makes up 15% of your FICO. It's a big deal. This is the part where many people are sleeping on because they actually want to see that you have nine years or higher average credit age. Yeah. And how they're doing that is they're adding up those 21 plus total accounts, the age on them. And they just simply divide it by that many accounts. I swear my on my credit score, that's like my only like yellow.

Everything else is green. 100%. And I swear it's been like four to five years for the last 15 years. Well, it's because you get new accounts every so often. So that brand new one averages it lower. It doesn't seem like I get that many new ones, though. It's not, but that's why, like, over time, they start rewarding you. And so you're like, all right, Brandon, what the heck?

Like, how am I supposed to, you know, your utilization? It makes up 30% of your FICO. You're always good there. You're below 9%. You pay off your bills on time by the statement closing date, not by the due date, but by the statement closing date. And so all the other boxes are good, but you're in the yellow over here. So you're in the mid to lower 700s.

You're like, what the heck? All it comes down to is adding. authorized users. So you could go to your parents, for example, or friends, family. There's an industry online that you can actually purchase them from, right? Trade lines. And so you can get an aged, you just need to do the math. So we have on our website, there's an AU calculator, it's called, and you're basically just plugging in. Authorized user calculator? Exactly. And so you're just plugging in all of your total accounts. And then you're seeing, hey, if I added a 40-year-old account on there, what would it do? Would it boost me up? Would I

I get, if I'm at 20 total accounts, cool, I need one more to get to perfect, you know, and then I need one card that's 30 years old to get to where I need to be, or I need two cards that are 60. So it does two things in one. It gets you to the 21 and it increases your average amount of time. It does three, all three of those boxes. So the utilization impacts, the total accounts, and the age. So that's where that 55% makes, it's very valuable.

And that's what will take you to the 800 club. And it only takes 30 days max. Yeah. After the fixes are done. Yeah, you have to do fix. Otherwise, it's lipstick on a pick. Right. Because people do that out there too.

And it's the silliest thing. Because you could have late payments, collections, Dragatorre you're in the like 500s. Which matters more than all this other stuff. 100%. So like you could boost your score up to the 800 club and or like not the 800 club if you have late payments and collections because it's going to drop 60 to 100 points. So you can be in the high sixes.

or low 700s with all these derogatory accounts, but you're boosted up. But the banks are going to see and they're like, oh, we don't trust you because you have all this nasty stuff. How do I find those people? And how do I attach them to my account while being aware of like privacy concerns and all that? So you aren't going to attach them to your account.

You will get attached to their account. So they're going to basically, let's say I had a 40 year old credit card, you know, I'm going to add. You wanted to, you would lease it basically, it's called, for like 60 days. Okay. You would be the buyer.

I would be the seller. And it would, you would basically, I would need your full name, your date of birth, and your social. Okay. Now, they're going to ask two other things. What's the address to send the card to? And what's the phone number? I would put my phone number and I would put my address. So the new card is going to have your name on it.

It's going to come to my address. I'm going to call it. activate it. I might use it at the dollar store for one transaction. Just to show something. Just to show me as the buyer, as the new authorized user on that account, I'll never touch the card. You'll never get because they don't want me spending on it. Yeah, exactly. So you're not going to get access to it. You don't know any, you know how when you call into your bank account or your, uh, the back of the number on the credit card. They ask you a series of questions. Yeah. You don't know any of those, uh, you know, security questions. So you're not going to be able to get. I don't have the login.

You don't have nothing. So they have all of yours. Okay. You have none of theirs. You're at the mercy of their, um, whatever, like, there could be a bankruptcy, collections, derogatory, but on that one card or several cards that they add you to, it's got to be good. Like it's got to be no lay payments collection. Like, it's got to be in good status, long history, ideally large limit and low balance. Now, a lot of people add friends and family, but they don't educate them on this piece. So therefore, they end up having a large balance one day. And so whatever is on that credit profile,

it reports every 30 days on the statement closing date. There's a statement opening date, 30 days later statement closing date. That balance gets reported to the three bureaus, TransUnion Equifax Experian, three weeks after that, it's the due date. You have to make the due date so you don't get a late payment, but that statement closing date,

that's what reports. And so everything on that good card is going to start showing up underneath your credit profile to boost your stuff up. Yeah. But vice versa, if there's a late payment out of nowhere or a shopping spree and they forgot the statement, you know, closing date.

It could do me more harm than good. Yeah, it could hurt you. Yeah. So with me as the buyer, right, the person that needs a higher credit score, the risk to me is that that person suddenly becomes like an untrustworthy borrower, right? And their credit utilization spikes or they declare bankruptcy. And that would negatively affect me, right? Just that one card.

If it ever did, you can. Just remove yourself from it. Okay. You call up the bureau and you say, hey, this isn't mine. I need it removed. It's hurting my profile. Okay. And then you're back to where you started.

You're back to where you were. And then what is the risk to the seller? The seller, there's no risk to them. I can't see their transactions. You can't see anything. Nope. Okay. What does that trade for?

Like, what would that cost? It depends. So online as a seller, because there's an industry of trade lines. They've been doing it for 20 plus years. You can see. sell yours and make, I used to sell mine on there and I would make $125, you know, $200. One time? Yeah.

And they would, they would sell it for like $2,000. Really? Yeah. So they make a hefty middleman. Holy crap. With that being said, too, you can lease. Every credit card has anywhere from like five to 10 spots available. And you can, you lease them for typically about 60 days.

Until like it reflects on the score and they got what they need to get done. Yeah, correct. After that, they don't really need it. anymore. Yeah, because you're going to, they're boosting their score up so they can go to the banks, qualify, get their application sequence in, do their mass supply, get a lot of funding. And then once you get funding, you know, you get 10 to 50 plus applications approved, then you're really just seasoning it, being a good steward of it over about six months. Yeah. Because, and then you can do it again six months later. The reason why you have to take a pause and wait six months is because the banks

again are very jealous. And so when that, whether you get one, credit card approved or you get 50 approved. The banks are going to start hitting you with the denials when they start seeing it on your profile stating that you've been searching for too much credit. Yeah. And so we don't want one. We go for 50 then. So I've had a venture rewards card for like 13 years. Sure. It's always been paid off. So you're saying that is an asset to me and people like me. There are marketplaces out there where I could, let's say there's 10 spots. Yep. Let's me and my wife. Let's say there's eight left. Yep. Right. I could sell that. for 200 bucks, 2,000 bucks, whether I have a middle man or not, somewhere in between,

if I find eight people. And I can even do that on like a quarterly basis. Yeah. So I would recommend you can do it every like two weeks add somebody. And like if I filled it up. If I added eight people and it's full, I could swap them out every quarter or every two months. You can do every two months. Yeah. That's the going rate online. Is this legal? It is legal. Yeah. It's a legitimate. It's a legitimate business. It's legal, moral, ethical, no issues. Okay. Like, specifically adding authorized users and selling authorized user access or whatever.

Yeah. Okay. Yeah, you can look it up. So this is the best way. I had no idea this existed. Oh, yeah. I've never heard of this. Yeah.

Yeah. So many people don't. And it's a, it's something that can help. It can finish the boosting of your score. What's cool too is after you're removed from that credit profile, it still stays in the closed account section. And the age adds value for the next 10 years. Okay? So it's going to be in the closed account. So those three boxes that it helps,

it no longer helps the utilization because you don't have access. But the other two, it does. Total accounts and the average age, it's still adding value there. So it's great. It's like an investment for your credit profile. What is the 80, 20 of getting your 500 credit score to 700? So you can start doing stuff like this. If you have derogatory marks and all that, What's the fastest way to fix that? So we've had people with bankruptcies, collections over a couple hundred thousand, late payments, galore 70 plus hard inquiries. We've had people remove things as fast as 24 hours, wild stuff. And then we've also had people with legitimate bankruptcies take 12 months.

And so the simple truth is when it comes down to credit repair, quote unquote, it's a crazy industry. I'm not a fan of it. And some of that stuff gets overpromised. And the fact is, number one, it's illegal for anybody to ever promise any timeframes. It's illegal. You can't. Like, as bad as you want it for yourself to get your stuff improved and as bad as we want it for you, it's not up to you and I. I can't control for it.

There's, yeah. Yeah. It's like, it's, you know, you're putting. Yeah, the bureaus are data collecting companies and they're like mom and pop companies. Okay. They're big conglomerates, but they are, they make mistakes all the time. Yeah. But the problem is they are data collecting companies.

and they want to keep the data. So they are very, and they also know that Americans aren't being taught in school this stuff. They're not being taught at the dinner table. It wasn't for me at least. It doesn't mean that that's our fault, but it is our problem.

And so it's very common that these bureaus are going to give stall tactics. And so when they give stall tactics, many Americans just give up, they just quit. And when they quit, then it doesn't hurt the bureaus. They're good to go. If you know the legal laws and the codes

and had a fight for it then and doing it in a timely matter and have records of it, um, like mail to and calling in and, and fighting for it, then you can get favor. You can, it's just a matter of time. Oftentimes you have to actually pay it off,

I imagine, right? No, no. See, that's a, that's a myth too. Like, think, if you have a collection, draw,

or remarks, thinking that you pay it off and that, and a lot of people do this, they get scared. They're like, oh my God, my score just dropped 100 points. Yeah.

And they go to pay it off really quick. That is not going to, solve your problems. All that is going to do is show that it's paid off. It's still negative on your account. Okay. If you are going to pay it off, which nine times out of 10, if it becomes a charge off, you don't need to. The bank that you mean a charge off? What do you mean if it becomes a charge off? So typically six months of being late in a row with whatever bank, it becomes a collection and then a charge off. Okay. And so the collection is the derogatory account. The charge off is when the bank says, hey, we're writing it off.

And they should send you a 1099 because they're writing it off on their taxes. Only 10% of banks out there are sending the 1099. Why? Because they're greedy. And they want to double dip. They write it off on their taxes. Then they sell it for pennies on the dollar to a collection company that hunts you down like a dog. And then they've already written it off.

Even though they've already written off. They make money there as well with the collection company. And then they're also, um, willing to, when you come back to them to finally pay it one day, they'll take the money too. So, they turn it into a profit center. Oh, dude, it's a full ring. It's a full circle. And depending on the dollar amount, and depending on the bank, they might actually sue you.

Like Bank of America, they're so good at this. They're the best in the industry. They have their own sister company that is its own law firm. If you owe Bank of America, they're coming for their money. They're going to get their money. So with getting these derogatory remarks removed, who are you calling? Who are we talking to? And what are we saying? Yeah. So number one, you would typically want to get your credit report first and you want to identify what's legitimate on there and what's not. 70% of Americans on their credit profile, there's something wrong, inaccurate, off like the status is wrong. The dates are incorrect. So there's something wrong on your credit profile right now. the chances are, 70%. So with that being said, what you can do is challenge it. But you got to look at your credit profile first. And then afterwards, you can mail in or you can upload online. I call it

the backdoor methods. You want to make a free account, not a paid one, but a free account on the three main bureaus, transunion, Equifax and Experian. So you make a free account there. And then you'll be able to upload your credit report. You want to circle, highlight the negative areas. You want to get a written document. The cool part with AI right now, dude, you can, so many people can just put their credit report in AI and say, hey, like, find all the areas that are incorrect. That's wrong. Yeah. Fight this for me. Fight this for me. I'm trying to do credit repair. I want to get it legally, ethically, morally removed, improved, and drastically change like now. Yeah. You know, what do I need to do? And it will draft up a letter. Sometimes you're going to want to do a handwritten aspect because

A lot of these bureaus are giving that stall tactic initially saying it looks like you're working with a credit repair company as if that matters. It doesn't matter. So then they'll just stop and they won't do anything. On your social security card, it's got to have your signature on it to make it valid. And then on your proof of residency, what that looks like is it could be a utility bill, a bank statement. You don't need the whole thing. And in fact, you do not want dates on it. Okay.

But what you want is three things. You want the header, which is like, you know, San Diego, SD, G&E utility bill or Chase Bank Statement. Right below that, to the left, it's usually your name. Below that it's your address. Okay. Those are the three things that you want for proof of residency. Okay.

And you mail that in? There's ways you can do it. It's called that backdoor method that you can just upload it online. Okay. To Experian, TransUnion, and Equifax. Yes, sir. Okay. All three of them.

Yeah. Okay. Yeah. And then give it like two to three days. and then call in. Or you can mail it in to them as well. I like to do both sometimes just to make sure that they're not playing games. Because if they keep giving you stall tactics, you're going to want to have clear certified

mail numbers and tracking and everything dialed in so that you have a paper trail so that you can actually go and sue them. Yeah. And people get scared when it comes down to like, oh, suing? These bureaus get sued all the time. There's data breaches all the time. and they play games all the time. And so if you have something that's wrong,

inaccurate that they're playing games with and it's hurting your finances and your future, then you need to fight for it. And it costs small claims court like 50 bucks, 70 bucks. And when they get served, usually they don't show up. You naturally win.

If they do show up, you can fight it. And most likely you can even walk away with some money. Yeah. And getting it removed. Yeah. So it's like,

why not? Yeah. When it comes to like, getting six figures in business credit. Yeah. How important is an LLC or not? So I told you in the beginning that when I first got started in 2015, I was getting credit without an LLC.

And yes, it's definitely possible. You will get much, much more, trust me, if you have an LLC. Yeah. And so I do recommend it. There's people out there that think you need dozens of LLCs. You don't. Yeah. Like one, two, three max is enough.

Yeah. But understand this. They are judging you from that entity as well. Most people set up their entity structures incorrectly. The state, the name, high risk industries. You know, you don't want that. You want something generic that goes right underneath the radar. We don't want to ever turn in documentation or paperwork.

We want right underneath the radar of what these banks are able to fund without going to underwriting and do something crazy. Right. And so how old that entity is matters. The big banks are okay with some of them are okay with brand new entities. Most go off as statistics again. Yeah. So statistically, they know that most businesses fail, brand new ones within the first year or two. Yeah.

So a lot of regional banks, small local credit unions, they want to see at least two years in history before they're able to start funding you. Yeah. So there's value behind aged entities. Yeah. This is something like I like talking about, but I always. also I'm terrified of talking about because there's a lot of aged entities being sold out there. And it's a it's a complete scam, dude. People are getting charged 40, 50 grand, getting promised they're going to make 20 million off of it.

And they're not. It's one piece of the whole pie. There's 45 rules on the checklist, basically, on how underwriting is judging us. And so entity is just one of them. Dude, it's one of them. So the banks don't need to see like 10 years or two years or two years. or four years of bank statements or P&Ls under the, they just want to see like when was it first incorporated.

Yes. And so they're only going to ask for full documentation if you're asking for the world. Yeah. And so each bank has a certain threshold. Like Chase, for example, you can get up to 150,000 without any documentation. Each bank has a different number. And so stay under the radar and stay right below the threshold. If the cap at that bank is 50,000, then stay under there.

Yeah. It's easier. You get quick, just faster, fun. And there's so many banks. You don't need to just get this one. Build a relationship with this one. Get all these other 10, 20, 40 banks. And then after six months of being a good steward of it, paying it off, making your investments work hard for you, then you can get increases and you can go to other banks.

Yeah. Yeah. So, I mean, could someone theoretically go get a million dollars and zero percent loans and just put them in treasury bills and then just pay it off? Dude, of course. Yeah. And 50 grand. I mean, at the end of the day, you could put it in. to a CD for God's sakes and make four and a half five percent interest. So yes, like yes. A lot of

people get scared of, hey, what do I do with it after? What we do is we use a lot of it for real estate. I've always done the birth strategy by renovate, rent, refinance, repeat. So I love that strategy, just the value add and cash flow and appreciation tax benefits. But lately we've been doing more ground up construction in San Diego and it's amazing. It costs $300 a square foot to build there and it's worth $9.50 to $1,000 after. So it's crazy. after it's built or after it's built and rented? After it's built and then I can do a refinance, get cash out refi, get all my money back plus some. I use credit cards to do it.

So I get free vacations afterwards. So it can be pretty fun. So Chase, you said 150 grand or less, little to no documentation? No documentation. Okay. Yeah. Like what, I mean, name. Yeah, yeah.

You got to fill out. Social name, address. You just got to say, yes. Not like financial. No financials. Okay. Or credit? they're going to do a hard pool on your credit.

What are some other banks with like common like thresholds? Yeah. So US Bank, you can get up to about 80,000. Bank of America, 50,000. Depending on the relationship. If you have a strong relationship and for a long time,

like you can some of these just do very well. You know, at a young age, I was I think 22, 23. I had several credit cards with Bank of America with one at 65,000. Another 80,000. And I was like, I was working restaurant jobs.

I was making like 30,000 a year. You know, like I was a bus boy. And by credit limit's bigger than, you know, a couple years. Yeah. So when you say Chase is a 150, is that like a Chase credit card or like a just a personal loan from Chase? Dude, we've had people get no loans because there are certain banks out there that can give loans up to 25, maybe 50,000. But those are unsecured and hard to get. No, those would be secured personally guaranteed.

Okay. So secured by your personal finances. Correct. So, but with some banks, they're not going to ask for documentation with loans. A majority of loans, they will ask for documentation. The ones that aren't going to ask is for credit cards. Yeah. But at the end of the day, you know how I told you about the two and 30 day rule with Chase?

You can't get, if you've gotten two approved, you can't get a third one. Okay. With our relationship manager, he'll actually override that. Okay. Because he works directly with underwriting. And so he's helped one of our members, Yosef, get 30. 13 credit cards in just 10 days. And so he got 150,000 in funding, 0% interest.

He got 13 credit cards. He got a sign up bonus for each one. Normally it's 600 for each of those. He got double the sign up bonus. So 1,200. So he ended up walking away with like $15,600 and just free cash. Yeah. That if like that could have, he used it for statement credit because he just wanted the cash.

He didn't want to travel. But if he wanted to use it for travel, he actually could have got 7 to 21 X return off of it. hundreds of thousands crazy wow why don't more real estate investors do this for down payment cash you know there are it's just the lack of knowledge man if at the end of the day if people knew it was out there and it was possible credit wasn't talked about in school and in many homes it was like frowned upon like credit or dave ramsay approach and don't get me wrong Dave ramsie is incredible if you have no idea how to manage money and you're spending too much right like soak up Dave ramsie but at the end of the day there's a big, big difference between good debt and bad debt.

And I can sleep so much better at night knowing that I'm not using what's so popular OPM, other people's money. Like, you know, Thanksgiving's coming up. Uncle John, if he sees and he's like, hey, where's my money, dude? Or you got grandma loving heart and she wants to invest in your first thing. But it's her retirement. And the whole family's looking at you like, hey, don't mess this up. Yeah. Like, that's a lot of pressure and pain.

And you could mess up. Yeah. So that's friends and family. you don't want to, you know, I don't want you to lose sleep at night. Yeah. You know, so at the end of the day, OBM, other banks money, it's out there and it's possible. And the banks have to lend to us. You can get up to $500,000 with interest rates as low as 0% and repeat the process every six months.

And it's just that knowledge of knowing that that's even a possibility, more people would take advantage of it. Do you ever use busy for making LLC's new entities? 100%. Yeah. Busy's the best. Yeah. Yeah.

Yeah. It used to be inkfile. dot com and they're great. Anybody that's looking to set up a brand new one, it's a great resource. You can even call them. They're very communicative and understanding and like can kind of guide you through. But within 15 minutes, you got a brand new entity. 200 bucks later.

It's like the next day. Right. Well, because the state filing websites are terrible. Like they're so hard to work with. And busy doesn't even charge. Like if you need registered agent services, they'll charge you for that. But you have to pay for that anyway. It's like one way or another.

They just charge you the state filing fees that they pass on. So it's like. Yeah, I love Busy. Yeah. Well, and Busy will do your EIN too, I think. Yeah, 100%. Yeah, you can add it all in there. And I highly recommend it.

Yeah. Brandon, this has been amazing. Where can people find you or your business? Yeah, man, we do a live boot camp once a month. And so our next one coming up is actually it's October 5th through 9th. Okay. And it's a really badass thing. Like, we pour so much value.

And the whole goal is that we teach you the whole process. And so they can go to Capital Bootcamp. dot live. Okay. And, uh, and yeah, find out more info. So capital boot camp dot live. It breaks down the whole process and people can get their tickets to, to join the event. Just a virtual live event. Otherwise on Instagram, it's Brandon Elliott investments and our business page. It's credit council elite. Okay. Thanks, Brandon. Yeah. Thanks, man. Appreciate it. Hey, guys. If you're still listening to this, it's probably because you haven't had a chance to take your AirPods out. You're still mowing the lawn. You're still driving. What have you. If you're still here with you,

me I would really really love and appreciate a five-star review on Spotify, Apple, or wherever you get your podcast. It would mean a lot. If you want to go the extra mile, share this episode with a friend that might have an interest in starting a business. It would mean a ton. Hope you have the best day of your life today.