HEY KID STEP INTO MY WHITE VAN, I'LL MAKE YOU A MILLIONAIRE ON PAPER FOR 30 DAYS? WATCH THIS - intro

A lot of Black comedians joke that credit is for white people, or that Black people just don't have good credit and they rely on white friends to rent the SUV for the weekend trip. "Let's invite Scott to hang with us, since he can rent the van. He got that good white folks credit."

Well, I wouldn't be your rich internet dad, if I couldn't teach you how to get you some good white folks credit. *cough* even to the white folks out there without the good white folks credit. You see folks, what the Black comedians don't tell you is, that's all a joke. White folks are just as broke as Black folk and white folk don't pay their bills, just as much as Black folk. The real white privilege, according to real Black people, not these weird political groups, is the fact that white people are assumed to have good credit, not be a shoplifter, and not have fatherless kids, when the opposite is the fact. In fact, they're even worse. But, don't worry. Just like the weird white groups got the definition wrong on what white privilege is, the consequences of what real Black people think of what real white privilege is, is that it doesn't make a cotton picking difference to real Black folks. White people can be perceived to be nice, all day long, but unless they getting in the ditch right along with you, to make that daily bread, they're going to be just as hungry as the other people that don't make their daily bread.

No real Black person ever said white privilege, did anything FOR white people. Like that Eddie Murphy Saturday Night Live skit, where he painted himself white and they handed out money on the all white bus, and handed out free loans, without having to pay it back at the all white bank, THAT WAS A JOKE.

I'm the richest person for miles around, around here where I live, surrounded by white, Latino, Black, Asians. And what's funny is, my credit has words like, "exceptional payment history" on it. Years and years of perfect payment, no late payments. 

In fact, let's talk about that right there. Did you know you have to be something like 60 to 90 days late, before the company reports it to your credit? Companies play a big dog, but they're not the mean dog you think they are.

The moral of that story is, pay it, when you have it, don't just not pay it at all, feeling sorry for yourself that you just ruined your credit by being 5 days late. Don't worry about it.

Guess what? That exceptional payment history, technically is a lie. I've been late plenty of times, but it was only by a few days and I paid, it and the company was happy.

So what are my intentions on this series. These 10 steps

• - I want to teach you why credit, is amazing and how it can be amazing for you.
• - I want to lead you down the path of having the right attitude about money and what money really isn't
• - I want to fix your miseducation about debt and that there's good and bad debt
• - I want to teach you about stocks and how you should be a part of America, more than just a wage slave
• - I want to train you how to play the credit game and how the rules work and how they bend
• - I want to get you back in the habit of building your reputation, one of the biggest lies the left constantly tries to get you to forget, reputation goes a long way and it's not about police and politics
• - I want you to be an American citizen, because it is the greatest country on earth and our credit system can take you from rags to riches, oh and that's over and over, plenty millionaires lose and gain millions daily
• - I want you to train you to ultimately build credit for yourself and then be a real adult and be in business for yourself
• - Once that final key is in place, I want to train you how to step into business with a small loan of million dollars 
• - Finally I want to teach you how to keep your wealth, and not feel guilty about it, and only donate when you feel you want to, with a nice tax strategy in place to do it.

Here's some rules, also, for the series

• - I will give you info to do this quickly:
• - a week
• - 30 days
• - 90 days

A lot of people think credit takes time, but some of it, takes 3 business days, or one billing cycle. It's really fast, so you gotta be ready to pull the trigger.

Also, ignore FAMOUS people, most of them aren't rich and even more have little to no credit. They're just talking, to stay famous. THIS IS A KEY RULE. Famous people are ignorant, uneducated, have ulterior motives, are told what to say and can be downright evil, telling you something that goes against what's best for YOU.

This is really key right now, because we have a new category or group: people who are famous, just for being famous. The internet is full of them. They have no education, no skills, haven't created anything, but people put them in front of you, hoping you'll listen to them.

There's even actors and singers who can't act and can't sing and are FAMOUS. The technicians, behind the scenes make the movies and make the songs. And they're someone's kid, that got the job, in the first place. Don't listen to those people.

Finally, I'm gonna show you something, as a real part of the series, a real strategy, of how to make you a millionaire for 60-90 days, for you to setup your long term credit and wealth. For all you people saying you ain't got no money. Shut up and listen. Also, for all you people saying you ain't got no time for this, you got time to sit around crying how broke you are, then you got time for this. In fact, this is faster.  You can go back to saying you broke after this. It'll be a lie though, but that's what you should do anyway. Don't do this series and then tell people you got any money. They might try to rob you.

But point them to this series.

From Bad Credit to Perfect Credit (VIDEO)

From Bad Credit to Perfect Credit (VIDEO)

credit score ratings

Listen to any Black comedian and  they'll joke that Black people have bad credit an white people have good credit, to the point that they have to trick family members to cosign to get their lights turned on.

While the jokes are funny, it highlights a real world thing, as comedy usually does. Poor people have a poor understanding of credit. Boom, ok, lesson is over. I'M JOKING. But, it's no joke, poor people have a poor understanding of credit.

In fact, what's really laughable, is how simple credit actually is, and to top it all off, how much it affects you.

Financial advisors will tell you, how perfect you have to be, to get a perfect credit score, but i'm here to tell you, with almost no income, you can have a perfect score. It's just a game, so let's play.

I'm about to tell you something none of the financial advisors will tell you. New creditors, don't care about old creditors. And, they forgive and forget. And, they're quick to do it.

What do creditors care about.

- you pay credit

- you pay on time

- you've paid debt for a long time

That's it.

Can you build credit with a bankruptcy or thousands in debt, bad credit? Yes. How? Make it look like you're a different person. Play the game and new creditors will literally assume, the old you, was just going through hard times.

In fact, they share info so much, they'll start offering you credit, if you switch up your credit habits.

How is the question, right?

Fake it.

What do i mean by fake it? Build credit, small scale, and they'll read into it, like you've done something big. The credit unions will report how wonderful you are with $20.

Let's start from the beginning.

No matter where you are financially right now, start small and build.

Get a secured credit card. You fork over $50 - $200 and they give you a credit card... not debit card, with a limit of how much you gave them. Here's what you do, put your cell phone bill on that credit card, on automatic pay. Something small, that you KNOW you will pay, every month. Then every month, on or before the due date, pay off that credit card.

I had a t-mobile phone, and my bill was $50 monthly. 6 months later, i got my deposit back on the secured card. 6 months after that, i got my credit limit raised. a year after that, it was raised again, to $1,000.

That's not that big of a deal, $1,000, but it made my credit score jump up. Because 2 things happened. I now had credit history, I had proof of payments, and my debt to credit ratio fell off a cliff. I went from owing $50 each month, compared to $100 credit limit, to $200, then $1,000. So at the end the $50 to $1,000 made me look like dadddy warbucks. 10 cool points if you comment who that is.

Here's part 2 of the game, because you just finished all 3 things I said creditors want. After you get your deposit back, now start opening up new credit cards. If someone offers you a card, with no annual fee, TAKE IT. More credit, means that debt to credit ratio will help it fall off a cliff even more.

Then, you can start getting sophisticated.

- open up a bank account and take out a loan, for $1,000. They know you can pay it off with your credit card. This gives you even more credit history.

- work your way up to an american express card, and repeat the putting your cell phone on it, and paying it off. Those you have to pay off each month.

So if we're keeping track at home, a year later, we have about 5 credit cards, a bank loan, we're pay on monthly, an american express card we have our cell phone on, we pay off monthly.  In 15 years you'll have a perfect credit score. I'm JOKING, it'll take about a year to 2 years. tops.

Right about now, you might be wondering, what can you do with a perfect credit score 

- refinance your house for white people mortgage rates

- refinance your car

- apply for government grants

- open up a business, with a business loan, with your perfect credit score

- get store credit cards

- get big box do it yourself tools and supplies credit cards at a contractor rate

A perfect score pops the cap off a lot of things in life, and you can do this, even if you have bad credit on your record. Now the experts will tell you to pay those off, but if you're at the 4 yr mark, and this what i'm telling you is going to take 2 years, that's 6 years, go ahead and ignore it. BUT if it's relatively brand new, when you get all those credit cards, call up the companies and ask to reduce it, like 10 cents on the dollar, So a $1,000 debt, you ask if they'll take $100. They will. Because by the time you're calling, it's a debt collecting company. They're happy to get anything. They paid probably 50 cents to take your debt. It's all profit for them.

And, that's no joke.

Any questions?