Formula 850

Nobody tells you this after a repo.

The same company that took your car could be violating federal law RIGHT NOW — and you could be entitled to up to $2,500 in damages because of it.

I put together a free guide breaking down exactly how these companies get fined and how you collect when your rights are violated.

Do me a favor — share this with someone who’s been through a repo.

Drop “REPO” in the comments and I’ll send it to you directly.

Follow for more content they don’t want you to see. 👀

Most people use credit to buy liabilities.

Some people use credit to buy income.

A vehicle, trailer, pressure washer, cleaning equipment, or detailing setup can become an asset when it produces cash flow.

The goal isn’t to borrow money. The goal is to use leverage to acquire something that pays you back.

Which business would you start with?

Dm “FUNDING” if you’d like me to review your business and see what financing options may be available.

Porsche. SRT Challenger. Wrangler Rubicon. Hellcat. Mercedes-Benz. Lexus. Maxima.

Every one of these came from preparation — not luck, not co-signers, not hacks.

They knew what lenders wanted before they ever walked in.

I’m opening 10 founding spots in my Total Vehicle Program at $1,499 before it goes to $2,499.

Not ready yet? Start with a $97 strategy consultation — 30 minutes, your exact path, and the $97 goes toward any program you choose.

📱 Text CONSULT to 908-257-8141 Or DM

DM your score — I respond to every one.

creditscores formula850 mercedesbenz porsche challenger

Everybody wants the luxury car, but most people skip the financial steps that help qualify for it.

$30K approvals → $40K approvals → $60K approvals → $80K+ approvals usually come from building stronger credit, income stability, and successful payment history over time.

Lenders look at more than credit scores. They evaluate debt, income, previous auto history, utilization, and overall risk.

The stronger the profile, the easier it becomes to qualify for higher approvals with better terms and lower money down. 😉

If you’ve ever felt stuck in a car payment, DM the word ‘CAR.’ I’m breaking this whole thing down this month.”

Most people don’t realize that certain financing accounts can affect future approvals for high-limit credit cards, auto loans, mortgages, and business funding.

Tip: Before opening an account with Affirm or similar financing apps, understand whether that specific payment plan reports to the credit bureaus. If you’re planning to apply for a major bank-issued loan or credit card, it’s smarter to avoid opening new financing accounts within the previous 6 months whenever possible.

Banks pay attention to:

* recent accounts
* debt obligations
* payment behavior
* overall financial stability

Use credit to position yourself for larger opportunities — not just short-term purchases.

creditscore financialliteracy businessfunding wealthbuilding credittips

Dealerships show you what benefits them — not always what lowers your payment the most.

Some lenders go beyond 72 months.
Most buyers never see those options.

Longer term = lower monthly obligation.
That’s leverage.

Serious buyers only. No repos. No open bankruptcies.

Comment or DM “LOWER” and I’ll check eligibility for 84–96 month refinancing.

Major moves don’t always start with announcements. Sometimes they start with a thought, a city, and a decision to just go. More to come. 👀🙏🏽🇨🇴

CREDIT CARDS TO USE ON VACATION INSTEAD OF CASH

• American Express Platinum
• Chase Sapphire Preferred
• Capital One Venture X
• Navy Federal Flagship Rewards
• JetBlue Plus Card
• Marriott Bonvoy
• Wells Fargo Autograph

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Why travelers use credit instead of cash:

• Travel rewards for flights & hotels
• Fraud and travel protection
• Car rental insurance coverage
• No foreign transaction fees
• Helps build higher credit limits & loan power
• Stacks points toward future trips
• Keeps your cash protected

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Credit is powerful when used correctly.

Comment or Dm TRAVEL or CREDIT if you want to learn how to structure it properly.