Sam Correia

speaker

112 appearances 1 recordings 1 series first heard May 2025 last heard May 2025

Sam Correia’s voice in public audio — every appearance, attributed to the second.

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The Level Up Podcast w/ Paul Alex · How to buy a Rolex with Credit Card Points In 2025 · 17 May 2025 podcast

Even if it's a one 30 day late. It happens, you mess up, or you mess up the time. It happens, right? It's like, because if you wanna be very technical, right? You have the 30 days to pay, then you have a whole 30 day before they've reported late. Not saying do this, not saying you have 60 days, but if you wanna be very technical, you do. But once you, but your goal is to always pay on time.

When you get there, right? Like, on the 30th day, they report it to the agency, even that morning. You could call that day. It's like, it's been reported. I've seen that happen. Wow. So late pays are very hard. Why? Because the account is open. So it's your account, and it's open, and now it's late. And late payments, by the way, guys, is 35% of your credit profile. Wow.

The next big one is utilization. It's 30% of your credit profile. And then it's collection. That's 10%. So a collection, which is horrible, is 10%, while a late payment's 35 of your whole credit profile. So I've seen scores of 770, 780, go down to the 605 from one late. Wow. Wow. Ridiculous thing like that.

So those two things in check, you're good. If you have a collection, they're easier to remove because a collection is debt that's been sold off. Got it. Technically in this country that should not be sold because that has no value So how do you sell something with no value? So you can kind of hit them with a little bit of consumer law You know what? I mean, but that's still yours.

So don't let these guys tell you Oh, it's collection that that's not yours that that will always be yours because it's in their system until it's purged out Which is years of purging not the seven years like credit like credit bureaus in chase They'll know for 15 20 years are gonna know and we just went through this experience with a client right now as we speak Wow Yeah, so very important

Um, so again, courses, great courses, not so great courses, um, you know, investing into some mentors, you know, guiding me and 2020, um, I got into the 75 hard. So I was like, you know, instead of 10 pages of nonsense, I'm gonna read, which you shouldn't read nonsense. Cause he says, try to motivational and growth. I started reading, um, consumer law a lot. So I got deep into it.

You know, I was like, I'm about to be a lawyer now, you know? I got as deep as possible into consumer law and just started learning. I'm like, okay, so they could do this, but I can do this to loophole this. Right.

Yes, because that's how you counter them. You know what I mean? You're asking a bureau to prove to you that that is yours. How does Experian know that that's yours? You never walked into Experian headquarters, sat down, applied for an Amex in front of them. You never did that with a wet signature ever.

So they need to use the law to help them counter you, which 99% of the counters are verification. So off the bat, when you do credit repair with us, we already hate you with all that. We make sure your social's there, your ID's there, front and back. There's no coming back with like, are you sure you're Paul Alex? You got all the info right here.

You got my ID, my utility bill, and my social front and back. So we kind of one step ahead every time.

Right. The smartest way is going to be whoever you bank with, get a credit card with them. Don't fear credit. Only fear it if you're irresponsible. So nowadays we have to say that. If you know – you're the only one that's going to know your character and the way you are. If you know you have an issue –

try to refrain from it, figure that first, like going to a deeper level with yourself first, because I've seen it where they know they have the issue, they get 50, 60, 70,000, two weeks later it's gone, it goes into a charge-off. they just went backwards for two, three years. They just wasted two, three years of their life for no reason, right? But it's your relationship. That's what it is.

Relationships are important. So you always go for the bank that you bank with, right? So if you bank with Chase, go for their Chase Freedom. Simple. It's not the best card. There's no annual fee, interest-free for six months. It's your first baby card. They might give you three, five grand, but you do that, right? If you're able to max out and pay it off, I would recommend that, right?

But if you're not, just use it as your debit card. If your bills are 6K a month, always use credit cards. Don't travel with debit. Put your debit in your safe. For three of my bank accounts, I have no debits. They said, do you want a debit card? Nope, I don't want it. I'll move it if I need to, and I'll put everything on a credit card as much as I can, right? So... That's how you want to start.

And then you go to a second card, a third card, and it's a building. You build it little by little, you know what I mean? The easiest way to excel a little bit quicker is you get your first bank card. Usually when you get that approval, you could get a second one right away. So now you're a little bit ahead of the game. 90 days later, what you want to do is get a third.

Then that's where you call us and we open up an LLC. Then we're ahead of a little bit of the game because you got three cards. We'll wait a few more months so they're not too, too new. And, you know, we look at what bureaus they pulled, et cetera, right?

Hopefully you've done, you know, a trio, which a bank that pulls Experian, a bank that pulls TransUnion, one that Equifax, and then we get you business funding.

But you got to understand because you're so fresh, you're not going to get the results that we usually get. But we've done that. We've felt like, hey, I want to start my journey though. Okay. We get them 30 grand max on the business. But hey, now they have 30 there, 20 here. They have 50. Cash flow business, something, you know, and you just keep going from there.

And that's better than nothing, man. But it's a marathon, 100%. Yeah. Done right, it's a marathon. It takes, in my opinion, two to three years to be like, wow, I got 100 grand. Now I can do another funding round and almost guarantee myself 80 to 150.

Yeah. Mike, the credit guy is really, really good. Um, another really good one is there's this company called improve you and they have money 360. Uh, it's free, right? So it's money 360 and they teach you, you know, literally almost everything. Right. Um, that's, that's improve.

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