Sam Correia

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.

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.

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.

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.

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.

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

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 –

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 –

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.

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.

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?

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?

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.