The 800 Credit Score Blueprint 2

TABLE OF CONTENTS
Our Origin Story��������������������������������������������������������������������������������������������������������������������4

STEP 1: How to Get Approved for Any Credit Card,

Auto or Home Loan You Want��������������������������������������������������������������������������9
STEP 2: Boost Your Credit and Travel for Free At The Same Time�������������������� 27
STEP 3: Credit Boosting Secrets The Banks Don't Want You To Know������������� 53
STEP 4: The 800 Credit Score Recipe����������������������������������������������������������������������� 58
Welcome To The Club!����������������������������������������������������������������������������������������������������� 63

Bonus: Erase The Bad Things On Your Credit While Boosting Your Score…���� 64

Bonus: Learn Secrets to Travel For Free and Beat The Banks����������������������������� 67

Epilogue�������������������������������������������������������������������������������������������������������������������������������� 71
 The 800 Credit Score Blueprint 3

Where To Get The Latest Credit & Travel

Hacking Information
With over 700k followers on TikTok and 150k+ followers
on Instagram, these platforms are the best place to stay
up to date with us. We continually post new educational
credit content as well as the latest travel tips and hacks.

Give us a follow if you’re looking to learn more about

credit or travel hacking!

Financial Advice Disclaimer:

All information in this book, including ideas, opinions, views, or suggestions, expressed or
implied therein is for informational and educational purposes only and should not be construed
as investment advice. Please consult a licensed financial advisor before making any investment
or financial decisions.

Affiliate Disclaimer:
This book contains several links, some of which we may receive commissions when you click
our links and make purchases on products or services. However, this does not impact our
reviews and comparisons. We try our best to keep things fair and balanced, in order to help
you make the best choice for your lifestyle.
 The 800 Credit Score Blueprint 4

OUR ORIGIN STORY

This is the part of the book where we're supposed to
introduce ourselves to you, tell you about how hard
life was when we had bad credit, and then share
with you the mind-blowing transformation of what
happened once we had good credit…

But, what happened instead was wildly different…

As teenagers, my brother and I were always interested

in credit, financial literacy, and investments...

As we grew older, we explored the different

opportunities that came with good credit. We were
exploring which cards gave the most and best points,
how to get the lowest interest rates on loans, how we
could travel for free, and before we knew it, we had
made it our mission to find as many ways to exploit
the credit system as possible.

We never had the intention of becoming content

creators, tiktokers, instagrammers, influencers,
or whatever you want to call us.

What happened was that while we were

traveling for free and staying in the nicest hotel
penthouses, our friends were budgeting their
next vacation stay at a hostel.

While we were being offered 4% interest rates

on mortgage loans, our family members were
getting quoted 5.3% interest rates (that's a
$79,228.90 difference over 30 years).

While we were being invited to investment

groups, everyone else was losing money on
crypto, forex, NFTs and stocks.

While we had over 6 figures in credit lines to

fund our business, other people could only
watch as year after year drifted by without them
being any closer to the financial freedom they
dreamed of.
 The 800 Credit Score Blueprint 5

We were living a wildly different life than the people around us, and it really bothered us
because it made us aware of the chasm in opportunities between the people who understood
credit and the ones who didn't.

And what pushed us over the edge is that something so important like credit is not being
taught in schools.

To us, it looked like a system designed to take advantage of people, and we were determined
to not let that happen.

Person Who Person Who Doesn’t

Understands Credit Understand Credit
Pays $79,228.90 more
Lowest possible rates, best
Mortgages: for every $300,000 they
programs, lowest fees
borrow1
Lowest rates on insurance / car Pays $16,124.00 more on
Vehicles:
loans vehicles over 16 years2
Flies for free, free hotel upgrades, Pays $25,455 more on
Credit Cards:
gets paid to use credit cards credit cards over 30 years3
Security Deposits: 1 Month 2-4 Months
High Paying Jobs
That Require Financial Job Granted Instantly Denied
Responsibility:

Table 1: People Who Understand Credit Vs Those Who Don’t

1. Comparison between a $300,000 loan, on a 30 year schedule at a 3.0% interest rate

versus a 4.3% interest rate.

2. Four 48 month auto loans at a 12% interest rate vs 3% rate and avg $20,000 loan.

3. $6000 balance over 30 years across credit cards averaging a rate of 24% vs 12%.

The people who are the most in need of money are the ones who are the most milked for
money throughout their life by financial institutions. The person who doesn’t understand credit,
on average, will have to pay $121,579 over 30 years (that’s an extra $4,052.63/year, or $337.72/
mo which is a whole car payment).

Meanwhile the people with good credit save $121,579 over 30 years, get to travel for free, and
get to live a life filled with opportunity.

If only the differences stopped there…

 The 800 Credit Score Blueprint 6

Not only do they save the money, but they’re able to invest it, and over the same 30 years
using the average stock market growth rate of 10%/year, they’re able to turn that $121,579 into
$2,440,775.56.

The TRUE monetary difference between good and bad credit to the average person is:
$2,440,775.56.

If you had that kind of money, what could you do with it? Start a business? Buy a home? Go
back to school? Retire? Do you think you and your spouse would fight less if money didn’t
matter? Although money can’t buy happiness, it’s a lot harder to be sad when there’s an extra
$2.4m in the savings account.

The worst part of all - you’d think that with something so important such as credit, that it would
be taught at school or by our parents. But, it’s not.

The credit system is designed to be complicated and to take advantage of the credit illiterate.

It’s intentionally not taught at schools, not taught to teachers, not taught to our parents, and
those who think they understand have barely scratched the surface.

Seeing this giant gap in opportunity and lifestyle between those who understand credit and
those who don’t is what finally inspired my brother and I to step into the spotlight and create
educational content.

The purpose of this book is to take back the power from the financial institutions and put it back
into your hands so that you can play the credit system instead of getting played by it.

What to Do With An 800 Credit Score…

This guide will show you how to achieve the perfect credit score so that you can achieve
whatever your credit goals are.

And in the process, you will be prepared to join the Credit Brother’s Inner Circle where we go
over the advanced credit hacks that are only available to those with good credit such as:

► How to Take Multiple Vacations every year without spending ANY of your hard-earned
cash...

► Learn how to access Fast Capital for ANY purpose at the lowest rates...

► Get FREE Upgrades to the best hotel suites, first-class flights, and be treated like royalty...

► Learn How to get the 6 Best Credit Cards in a single day... (that’s more in credit lines in a
single day than most people will have access to in their entire lives).

► Discover the secret pass that gets you Up to 80% Off Hotels...

► How to Legally PROFIT from credit cards WHILE hitting sign-up bonuses…
 The 800 Credit Score Blueprint 7

Our Inner Circle is filled with people who want to create thousands of dollars worth of value
from their credit score. Because having an 800 score is awesome but if you don’t know how to
leverage your credit then there’s no real point in getting it.

YES, I WANT TO LEARN HOW TO

LEVERAGE MY CREDIT SCORE

How to Be Successful With This Book

One last thing before we start getting into what it takes to get an 800 Credit Score.

You may have heard that “Knowledge is Power” at some point in your life. We do not believe
this to be true.

What is powerful is the application of the knowledge that you obtain. And this book is the best
example of why simply knowing what it takes to get to an 800 Credit Score is not going to help
you.

We’ve added “Action Steps” throughout this book that are designed to help you make sure
you are not just reading this book to pass time but are actually making meaningful changes on
your credit report. Because we want you to walk away being better than where you were but
that’s simply not possible if you don’t make changes.

Having been in this industry for years my brother and I have taken all of the knowledge we had
and put it into this book for you to learn and immediately implement in your life. There will be
no “trial and error”. We’ve already done that for you.

With that said, enough talk. Let’s kick this thing off with a bang with our first section on some
common credit myths.

Debunking Credit Myths

Before we dive into the material of this book let’s go through a few common myths that we hear
people talk about when it comes to getting a good credit score

Myth 1: Paying Your Credit Card 2x In a Month Boosts your Score

This is false as only 1 reported on time payment will happen each month regardless of how
many payment you make to your card. Paying more than once will only help ensure you are
paying off your statement balance and therefore saving money on interest / avoiding paying
interest at all.
 The 800 Credit Score Blueprint 8

Myth 2: You Need to Pay Interest On Your Credit Cards To Build Credit

No, you do not need to pay interest on your credit card debt to build credit history. You can
have a balance and pay zero interest.

Myth 3: As Long as Your Credit Score Reads “800 or more” than You Don’t
Need the Information in This Book

Wrong. Not all 800 Credit Scores are built the same. The methods and stratigeis we review in
this blueprint don’t just get you to an 800, but curate a rock solid report that will withstand the
test of time.

Most people with an 800 have it built on a house of cards that fall over the moment they apply
for a single credit card. We don’t want you to be that person.

Myth 4: Having No Debt at All Is The Best

Incorrect, having no debt is the worse thing you can do for your credit. Debt is good as it
activley shows the banks you can handle paying it back.

Myth 5: Credit Checks Hurt my Credit So I Should Avoid Them

Perhaps the biggest misconception around credit there is. Credit Checks are required to grow
your credit and reach an 800. And do not hurt you nearly as much as you may think. More on
this later.

Myth 6: I Have To Spend Money On My Credit Cards Every Month to Keep

Them Open

Flat out wrong. As long as the account remains open and active credit history will be built.

Okay now that we’ve cleared that up, let’s get into the blueprint.
 The 800 Credit Score Blueprint 9

STEP 1 How to Get Approved for Any Credit

Card, Auto or Home Loan You Want
As the title of this E-Book suggests, this is THE BLUEPRINT for achieving an 800+ credit score.
During this first section, we are going to show you how you can get approved for any credit
card, auto or home loan, and basically any form of credit that you could want.

And it all starts with understanding how to manipulate your credit score - but there’s just 1
problem. You actually have 50 different credit scores and they are not all the same.

We won’t be going over all of them because it’s not necessary for the purpose of this E-Book.
Instead, we’re going to show you how to identify the ones that matter so that you can ignore
the ones that do not.

Most people are looking at the wrong credit score and it can confuse people into thinking they
already have an 800 only to be told by the bank that, in reality, they do not.

Therefore, It’s essential to define which credit score you should be tracking on your road to
the 800 club. That way, you can be confident knowing you’ve actually achieved an 800 credit
score when you see it.

With that said, let’s get a few things cleared up right now…

The False Prophets of Credit Scores

Many popular apps such as Credit Karma, Credit Sesame, Creditwise (Capital One), and Credit
Journey (Chase) etc… provide you with credit scores.

The problem is that this credit score is known as a “VantageScore” which is NOT what banks
use when you apply for credit with them.

There are reasons why the VantageScore exists, but when looking at your credit score, you
want to look at your “FICO” score which is the one the banks are actually looking at when they
pull your credit score.

For the purpose of this E-Book, we will be looking at your “FICO 8” score, which is the most
widely used credit score today by banks.
 The 800 Credit Score Blueprint 10

Figure 1: The “Credit Score Wheel” aka what makes up your credit score

Your FICO 8 credit score is made up of the following 5 core components shown above

► Payment History: Are you paying all your credit cards and loans on time every month?

► Credit Utilization: Are you spending too much money on your credit cards?

► Length of History: How long have you had credit history for?

► New Credit: Have you been applying for credit recently?

► Credit Mix: Do you have loans and credit cards?

We’ll go over these in more detail later but they are what create that 3 digit number you see.

There are 3 national credit bureaus that exist, and each will have a FICO 8 credit score. The
reason being is each lender can choose which credit bureau they want to use. Some will use
just 1 and others may use all 3.

The 3 credit bureaus are:

► Experian

► TransUnion

► Equifax
 The 800 Credit Score Blueprint 11

ACTION STEP 1: Use SCOREIQ To Find Out Your True FICO Score
The first actionable step you can take is to get access to your true credit report and FICO
score. The best service for this at the moment is ScoreIQ.

ScoreIQ is $1 to start, and this $1 will be the best $1 you ever invest into yourself. While reading
a book is amazing, the only way to ensure that you’re approved for any credit card, auto loan,
home loan, or form of credit is by taking action and it all starts with knowing your TRUE FICO
score through ScoreIQ.

If you ignore this step, you are wasting your own time, money, and opportunity.

So start right now by using ScoreIQ to assess your TRUE FICO score as it will be extremely
important for the rest of this book - in fact, you will not be able to move onto steps 2-4 without
knowing your real score.

CLICK HERE TO FIND OUR YOUR TRUE

FICO SCORE

Figure 2: Example of FICO Scores You Will See Using ScoreIQ

Being able to track your credit score on your road to an 800 is ABSOLUTELY crucial for you…
But it’s not just about your credit score.

ScoreIQ also provides you with your credit reports from all 3 major credit bureaus:

► Experian

► TransUnion

► Equifax

And we will be using that information in future action steps throughout this guide in order to
help you identify what you’re missing, what you need to improve and most importantly how
you’re going to do it.
 The 800 Credit Score Blueprint 12

Armed with this information, you will know everything that the banks and credit card
companies know when you apply for a loan or credit card.

Now that you have this information, we can dive right into learning about the credit report and
what goes into your score.

Let’s go!

What the Banks REALLY Want (and how to give it to them)…

Now that you’re looking at the correct numerical score, it’s time to start looking at your credit
report.

If you’re not looking at your credit report as you go through this section, then you are going
to be lost when it comes to figuring out what you need to work on to get an 800 credit score.

Which is why if you want us to go through your credit report with you and make sure you’re
taking full advantage of everything you can message us on Instagram with the words “Credit
Audit” and we’ll get you hooked up with our team of experts to help you out.

Knowing you’re credit report is extremely important because banks want to see specific items
on your credit report. Yes your credit score is important, but you won’t get to an 800 if you don’t
put the right information on your credit report that banks want to see.

If you know what items the banks want, then you can check your own credit report for those
specific items (think of it like the banks give you a shopping list and you’re making sure
everything is in your cart before going to checkout).

To get any form of credit you want, all it takes is knowing the specific items banks are looking
for, then making sure those items are on your report. This process all starts with knowing
what’s already on your credit report.

Trying to get approved for credit without knowing what is on your report is like trying to complete
a shopping list but not knowing what is in your cart, to begin with.

We gave you the exact way you need to grab your credit report above but in case you missed
it here, it is again.

CLICK HERE TO FIND OUT YOUR TRUE

FICO SCORE AND GET ACCESS TO
YOUR REAL CREDIT REPORT

At the risk of being repetitive, if you don’t take this FIRST step (Using the link above to get your
true credit report/fico score) then the rest of this book will be of little use to you.

And no looking at your own credit report WILL NOT lower your score or make the banks deny
you. Checking it is actually the only way to fix the problems.
 The 800 Credit Score Blueprint 13

So let’s dive in…

When you first look at the report, it can be a bit overwhelming.

You might be wondering what to pay attention to or what some things mean.

This is why we’ve simplified everything so you can focus on what is important.

Below is a short description of each of the major items that you might see on a report. We’ll also
get into how each one impacts your credit score.

1. Payment History

Figure 3: Credit Report Summary Showing Zero Negative Accounts /

Missed Payments From ScoreIQ

This is the single most important thing that impacts your credit score. You either have perfect
payment history or you don’t.

As the name suggests your payment history showcases your ability to make on-time payments
every single month.

When you make on-time payments, this gets reported on your credit report. The same goes for
if you miss a payment, it will get reported on your credit score.

If you don’t have PERFECT payment history, this needs to get addressed immediately. You will
need to work to get your finances in a position where you can begin paying on time.

After you fix your financial situation, our team of credit repair specialists can help fix the damage
caused by missing payments.

Worst Better Best

2+ 1 0

Table 2: Impact of Missed Payments on Credit Score

 The 800 Credit Score Blueprint 14

ACTION STEP 2: Check for Toxic Items On Your Credit Report

Now that you have your credit report from ScoreIQ and can look through it in detail and identity
if you have any toxic items on there like:

► Missed Payments

► Collections

► Repossessions

► Medical Debt

► Defaulted Credit Cards

► Bankruptcies

Below is an example of a negative account that may be on your credit report.

Figure 4: An Example of a Defaulted Credit Card

If you see anything in that payment history block that indicates you are not paying on time then
STOP reading this book and go schedule a call with our team IMMEDIATELY.
 The 800 Credit Score Blueprint 15

YES, I WANT TOXIC

THINGS OFF MY CREDIT

Without fixing those bad things then your chances of ever reaching an 800 Credit Score are
ZERO.

2. Number of Open Accounts

How many credit cards do you have open? How many loans are currently on your account?

For a good foundation, you need BOTH credit cards and loans that are currently on your
account. These MUST get paid off on time, every month.

You can’t open a store card to get a discount and then close it afterward. The account needs
to be active.

And the car loan you finished paying off 2 years ago? That doesn’t count either…

In general, the higher the number of open accounts, the better. A strong report will have 10+
accounts on it and while this may seem out of reach now, you will build this SLOWLY over time.

Do not make the mistake of applying for every single credit card you see.

You want to make sure you add the right credit cards in the right order.

We’ll talk more about this in the credit building section.

Worst Better Best

0 1-9 10+

Table 3: Impact of Number of Accounts on Credit Score

ACTION STEP 3: How Many Credit Cards / Loans Do You Have?

Having several credit accounts is extremely important in order to establish enough history to
get to an 800. As we’ve mentioned your goal should be to get to 10 total accounts.

Start by counting how many credit cards you have on your credit report right now. You can see
an example below of what a credit card account looks like from ScoreIQ.
 The 800 Credit Score Blueprint 16

Figure 5: An Example of a Credit Card on ScoreIQ

Once you’re done counting up all of your credit cards, write that number down.

Ideally, you should have at least 6 credit cards on your credit report. The reason for that
number is your overall goal should be to reach 10+ accounts open and active on your credit
report at any given time.

That is the optimal amount of accounts for a bank to see. And it’s unrealistic to think that most
people would have 8 or 9 loans open all at once. Meaning the majority of your accounts will
be made up of credit cards.

So if you do not already have at least 6 credit cards then keep the number you do have in
your head and we’ll refer back to it in a later action step.

Next, you should count how many installment accounts you have. An “Installment Account” is
a fancy way of saying loan and for the purpose of this step do not count student loans.

You should be looking for Auto Loans, Personal Loans, Home Loans etc… The long and short of
it is that student loans are a special category item and whether you have student loans or not
you should have at least 1 other non-student loan account on your credit report.
 The 800 Credit Score Blueprint 17

Figure 6: An Example of a Loan on ScoreIQ

If you DO NOT HAVE at least 1 Loan Account then you should sign up for Credit Strong’s Instal
product ASAP.

We do in-depth on this later in the book but the “TLDR” is for $15 a month you can report a
$1000 loan on your credit report. Which will save you thousands of dollars when you go to
apply for a real loan like for a car or home.

The best part is you just sign up for it, no credit check is needed and you can cancel at any
time. Note that you don’t actually receive any money, it’s only meant to BUILD CREDIT and
that’s it.

Check it out by clicking the link below.

NO LOAN?
GET CREDIT STRONG

If you DO NOT HAVE at least 6 Credit Cards and have a 700+ FICO credit score already then
make sure to THOROUGHLY read through our next section and apply for the credit cards we
have listed there.
 The 800 Credit Score Blueprint 18

Credit cards should make up the majority of your credit report because they’re easy to get and
most have no annual fees meaning it costs you nothing for keeping them open.

My brother and I combined hold over 40+ credit cards which for most people is not necessary
which is why we created this short list of the ones we think everyone should get. Check it out
below!

THE CREDIT CARDS THAT

ARE IN OUR WALLET

{END OF ACTION STEP}

3. Credit Card Utilization

When we talk about “Credit Utilization” it’s important to note that this only applies to your
credit cards, NOT your installment loans.

This is actually another huge reason why it’s 100% required for you to have at least 1 credit card
open and active at all times on your credit report as an absolute bare minimum.

Because if you don’t then you’re not even being scored in an area of your credit report that
makes up 30% of your credit score. And if right now you do not have any credit cards then
don’t worry, we’ve got you covered in a later section.

When comes to what credit card utilization is you have two different concepts to understand.

The first is your “Total Credit Card Utilization”

Total Credit Card Balances Across All Your Credit Cards

Total Credit Limits Across All Your Credit Cards

Equation 1: Total Credit Card Utilization

It is VERY important that you keep your utilization under 10% across all your credit cards.
Which can be done by either keeping your balances low at all times. Or by having access to
so much credit limit that it becomes unreasonable that you would go over 10% at any normal
period of time.

For example, if you had access to $100,000 in overall credit limit then what are the odds that
you would ever be holding more than $10,000 in credit card debt? Hopefully very low…

The second major concept is your “Individual Credit Card Utilization”

Individual Credit Card Balances On One Credit Card

Credit Limit on That Specific Card

Equation 2: Individual Credit Card Utilization

 The 800 Credit Score Blueprint 19

It is VERY important that you keep your utilization under 10% across not just all of your credit
cards combined, but on each individual credit card that you have.

To figure out how much you should spend to stay under 10%:

► Take your total credit limit, the amount that you may spend on the card. For this example
let’s say it is $2000

► Divide the total credit limit by 10. For our example, this would mean you need to stay
under $200 to avoid any potential score drops.

If you find this number isn’t enough for your spending needs then that’s one thing you’ll benefit
from as you go through this book. Getting access to higher-limit credit cards comes when you
learn how to give yourself the best credit score possible. Which is exactly what this book will
continue to teach you.

As a quick point of reference below is a table that outlines which brackets of credit utilization
you want to be in and which ones you don’t.

And yes, we purposely didn’t include “0%” as the best utilization to have because banks want
to see you have a little bit of debt relative to your income at all times.

Worst Better Best

30%+ 10-29% 2-9%

Table 3: Impact of Credit Utilization on Credit Score

 The 800 Credit Score Blueprint 20

ACTION STEP 4: Check How Much Credit Card Debt You Have
The 2nd most impactful part to your credit score is how much credit card debt you have. And
if it’s too high then your score will suffer.

This is why we love ScoreIQ because it shows you EXACTLY what % of credit card debt you
have compared to your credit limits.

Figure 7: An Example of Credit Usage on ScoreIQ

To get to this page on your ScoreIQ credit report perform the following steps:

1. Login to your account

2. Hover over “Know” at the top of the screen

3. Click “FICO Score Ingredients”

4. Scroll down to “Amount of Debt” and click “View Details”

If this number is above 10% then you need to start paying down your credit cards ASAP so you
can improve your credit score.

Here’s a great article that goes over both the “Debt Snowball Method” and the “Debt
Avalanche Method”. Pick one and start implementing it right away so you can watch your
credit score start to go back up.
 The 800 Credit Score Blueprint 21

5. Average Age of Accounts

This number represents the average of all accounts you have opened.

Increasing this number will show lenders that you have a history of working with credit.

The longer your average age of accounts is, the more likely they will lend you money.

This is one of the top reasons why we recommend getting started with credit as early as
you can.

Further, this is why it is so important to keep accounts open instead of closing them. Those
older accounts are contributing to your score so it is best to keep them open.

The best time to get started was yesterday, the second-best time is now.

Worst Better Best

<2 Years 2+ Years 5+ Years

Table 4: Impact of Average Account Age on Credit Score

How to Get Denied for Everything You Want

Now that you know which positive items to look for, it’s time to start checking for the negative
ones.

These items can range from something as simple as a single missed payment, all the way up
to bankruptcy.

If you have any of these items on your report, the best thing you can do is to reach out to us
immediately so that we can delete these negative items from your report.

My brother and I discovered a secret loophole in the credit system that lets us delete negative
items while boosting your credit score. It’s already worked for hundreds of others and you will
have our guarantee - to learn more, visit this link.

Below is a list ranking the worst negative items that you can have on your report:

1. Missed Payments:
Think of missed payments like dents on your car. Each dent that gets added to your car will
make it less valuable than it was before.

The same goes for missed payments on your credit report. Every missed payment that gets
reported is a dent to your score and your report in general. The more you have, the tougher it
will be to maintain a good score.
 The 800 Credit Score Blueprint 22

A late payment comes after being 30 days or more late on your credit card or loan payment.

If your payment is due on the 1st of every month and you don’t pay it, it won’t show up as being
late on your credit report until 30 days have passed.

This is why we stress the importance of knowing all your credit card due dates so you NEVER
miss a payment.

Take the time to log into your accounts one time per month and ensure that you make the
minimum payment.

If you can’t pay the whole balance, you should still make the minimum payment. This will prevent
a negative item from appearing on your credit report.

2. Collections/Charge-Offs:
A collection means that you have outstanding debt owed that is past due and is being pursued
for payment.

When this happens, the original creditor (e.g. Chase, Bank of America, Capital One, etc..) sells
the debt you owed them to a collection company.

The collection company “buys” the rights to your debt and can then go after you to try to get
payment for the amount you owed.

They will try to do everything they can to get you to pay back the money. This includes
intimidating calls and offers to settle with a discounted price.

An account will usually go to collections after 180 days. That means you must miss 6 months
straight of payments for this to happen.

Having a collection on your credit report is very bad for your score and can lower it by as much
as 50-100 points!

If you have a collection company that has been calling you, it is best to get in touch with us. We
do not typically condone paying them but every situation is different.

3. Repossessions:
A repossession is when the bank has another company come to take back the asset that you
paid for with their money.

You may have seen reality TV shows that show repossessions of people’s cars and if you have,
you know these can get ugly.

Typically, repossession applies to vehicles such as cars, motorcycles, and boats but there are
other times this can occur.
 The 800 Credit Score Blueprint 23

If you took out a car loan and then stop making the payments, the bank may try to take back
the car. The amount of time and missed payments before they come after you varies.

This is one of the worst items to have on your credit report and can cause a 75-150 point drop
in your score. Having one is also detrimental when it comes time to get another car loan.

Future lenders will be cautious about lending to you and the loans will have a high-interest rate
to reflect that.

4. Bankruptcies:
There is generally a lot of mystery and confusion around bankruptcy. You might recall a time
when a famous celebrity or entrepreneur declared bankruptcy.

Or you might remember pop culture references such as The Office where Michael Scott
“declared” bankruptcy by yelling the words.

Either way, this can be a confusing topic to many and going through bankruptcy is nothing to
joke about.

The most common bankruptcies are the following:

Chapter 13 Bankruptcy:

► A 3-5 year process where you work to pay back your debts over several years. This is
common for people with a regular income. You will work with the debtors to come up
with a suitable repayment plan.

► Takes 7 years to fall off your credit report.

 The 800 Credit Score Blueprint 24

Chapter 7 Bankruptcy:

► The bank will sell off assets you own that are non-essential for basic living and working.
Items like a second car, jewelry, stocks, and other luxury items are eligible for sale.

► After the sale of all assets, the bank will discharge your debt if eligible. At that point, you
will no longer be responsible for the money owed.

► Takes 10 years to fall off your credit report.

The bankruptcy process is variable and depends on your income and state laws. If you think
you are at this point, please speak to a lawyer.

From a credit standpoint, having a bankruptcy on your report will destroy your credit. We’ve
seen scores drop as much as 200+ points.

The road to building your credit back up after a bankruptcy is a long and painful process. If you
are at this point, we can help you get out of this hole.

Figure 8: Chapter 13 Bankruptcies on a ScoreIQ Report

 The 800 Credit Score Blueprint 25

5. Hard Inquiries
This number represents the number of times you have authorized lenders to view your credit
report.

Too many hard inquiries can indicate to lenders that you are a risky borrower because you are
continually seeking access to more credit.

A general rule of thumb is that you want to have less than 4 NEW hard inquiries on any individual
bureau in the last 6 months.

When it comes to hard inquiries there is a rule you can follow we call the 6/12/24 rule.

This determines how hard inquiries impact your score:

For the first 6 months, the hard inquiry will hurt your credit score the most.

After 6 months, they hurt your credit score half as much.

After 12 months, they do not hurt your credit at all.

And after 24 months, they fall off your credit report completely.

This is why it is NOT bad if you have a lot of hard inquiries because after 12 months, they have
no impact.

Still, we recommend having less than 4 hard inquiries on each bureau in the last 6 months. If
you have more than 4 in the last 6 months, it is a sign that you should stop applying and wait
until you have less than 4 in the last 6 months to continue.

Each lender and credit card company will pull a different bureau or even multiple bureaus at
the time of application.

Meaning if your goal is to stay under 4 inquires per bureau then this is completely possible.

As long as you space out which bureau is being used, when possible, then you can apply for
different products at the same time without issues.

Further, if you apply for a lot of credit cards at once and then don’t plan to apply for any in the
next 12 months, that is ok too.

Hard inquiries are not that important when it comes to your credit score, just make sure you
don’t have too many as it shows lenders you might be desperate for credit which is a bad sign.

Below is a picture of what your Hard Inquiry section will look like on the Score IQ report. It is
listed at the very bottom of your report.
 The 800 Credit Score Blueprint 26

Figure 9: Hard inquiries on a Score IQ Report

It is important to note that this person has a lot of hard inquiries in 2022 and 2021, but only a
handful in 2023.

Further, all of the hard inquiries were spread between all bureaus and this person did NOT
exceed 4 hard inquiries in 6 months on each individual bureau.

Knowledge Check

By now you should be able to:

1. Know your FICO score

2. Know what the good items on your credit report are

3. Know what the bad items on your credit report are

With these 3 pieces of information, you’re now ready to move on to the next steps:

1. If you have negative items, it’s best to start by removing them. If this is you, then please
visit this link to get started immediately.

2. If you’re in any other situation, then the next sections will show you how to boost your
credit score depending on where you’re starting from (***You absolutely need to know
your FICO before attempting to boost your score***)

If for some reason by now you still have not assessed your FICO score with ScoreIQ, then do
so immediately and apply what you’ve learned so far from this blueprint.

This is a step-by-step manual designed to get you into the 800 club and it will only work if you
follow along and take action. Do not be that person that buys a book and never actually does
anything useful with it - use ScoreIQ now to get your report if you have not yet done so.
 The 800 Credit Score Blueprint 27

STEP 2 Boost Your Credit and Travel for Free

At The Same Time
Whether you want to finance a home, get a car, start a business, or get financing of any sort,
you need to have good credit.

And the problem is that most people don’t know how to effectively build credit.

And so we’re going to start this section with the best credit cards you should open to boost
your credit score.

And don’t tell anyone this but…

The credit cards we’re going to recommend not only are the BEST ones you can have on your
credit report.

But they also earn a TON of extremely valuable credit card points that can be used to travel
for free.

Seriously, my brother and I have all of these same credit cards in our wallets and it results in
thousands of dollars of free travel every year for us, and they can be just as valuable for you
too.

So you are going to be killing two birds with one stone by getting these credit cards hand-
picked by us to earn you free vacations and maximize your credit score.

If you DO NOT HAVE a 700+ credit score, BUT also do not have negative marks, then we
made a special section for you titled “How to Get an 800 Credit Score From Scratch” which
is the next chapter - refer to that chapter instead.

Life Hacking Your Way to The Top With Points

Most people view credit card points as “optional” to have, but nothing could be further from the
truth. In an age where every penny matters, where the #1 reason for divorces is financial stress,
putting an extra 3-4% back in your pocket makes a life-changing difference.

The average household is spending ~$70,000 a year between housing, transportation, food,
taxes, entertainment etc…

If you were to translate those expenses into points using the right credit cards, you would be
either saving or losing out on $24,397.20 over the course of 30 years.

A common misconception people have is that they think using a debit card is better than a
credit card. But it’s not - as long as you pay off your credit card as soon as you use it, you get
all the point advantages without any of the risks.
 The 800 Credit Score Blueprint 28

These credit card points hold a lot of value and when used correctly can be worth far more
than their monetary “cash-back” value.

I’m talking about a business class roundtrip ticket to Europe on an Airbus A380 with a full lie-
down bed so you can nap peacefully on that 10-hour flight.

Which normally can cost $10,000+ per roundtrip ticket but with credit card points can be
almost completely free minus some taxes.

Figure 10: Singapore Airlines Business Class Seat

It all begins with having the right credit cards that do two things for you.

1. Earning you the most amount of kickback for the money you are already going to be
spending

2. Building your credit report with the best credit cards possible to accelerate your path to
an 800 Credit Score

We’ve taken the L’s throughout our journey for you. Getting the wrong cards, realizing it later,
and then being stuck with a worthless piece of plastic in our wallets.

Free travel and an awesome credit score are the name of the game for not just us but also you
the reader. This is why we’ve put together the EXACT list of credit cards that we use and the
ones that have helped get us to an 800 credit score.
 The 800 Credit Score Blueprint 29

Now, let’s dive into the exact credit cards you need to get and the same ones my brother and
I have in our wallets.

Chase Freedom Unlimited

In the world of credit cards, the Chase Freedom Unlimited is the perfect one for every single
person.

► It earns 1.5x points back on everything you spend plus a few bonus categories that earn
3x points back. Meaning this will be your everyday spender just like it is for us

► There is no annual fee for having the card

► Earns Ultimate Reward (UR) points that are extremely valuable for booking free travel

If you don’t already have this card then you are missing out big time…

Not just because of everything above but Chase points are extremely valuable when it comes
to booking free travel.

And although this is not a traditional “travel credit card” the number of points it earns is exactly
what you use to book travel when combined with another Chase card that we will talk about
in just a minute.
 The 800 Credit Score Blueprint 30

The good news is by clicking the link below you can apply for it today.

(Click Me To Learn More)

Application Tips

► Are you above the “5/24 rule”? Check that before applying for this credit card

► Chase typically uses Experian but check this website before applying to make you know
which credit bureau they will use

► Did you get denied for this card?

● If so call 888-609-7805 and have them reconsider your application

American Express Gold Card

Serious question…Do you buy groceries?

There is a 99% chance that you do which is exactly why you need to get the American Express
Gold Card.

Which earns a whopping 4% point back on both grocery and restaurant spending. Meaning
you are literally saving 4% on your next night out or Sunday trip to the store.

Plus the points you earn can be turned into incredible travel rewards but that’s a different topic
for our Inner Circle.

DISCLAIMER
► This credit card charges an annual fee of $250 but that quickly can become only $10 a
year by using the benefits it gives you

► $240 of annual benefits for both Uber & Grubhub as well as other services so checkout
where you can use them when applying for the card
 The 800 Credit Score Blueprint 31

This is the only charge card worth spending your money on with American Express.

And yes we are implying that the American Express Platinum card is not the best but more on
that later.

Check out the card below by clicking on the link provided so you can apply for it.

(Click Me To Learn More)

Application Tips

► American Express typically uses Experian but check this website before applying to
make you know which credit bureau they will use

► Did you get denied for this card?

● If so call 800-567-1083 and have them reconsider your application

Citi Premier Card

Have you noticed the price at the gas pumps recently?

Now it sucks you have to pay so much for a necessity in life but what if you could earn 3%
back every time you filled up your tank?

This next credit card is the Citi Premier card and will be your bonafide gas credit card.

If it’s not a business expense then this is the credit card my brother and I are using at the pumps.

DISCLAIMER
► This credit card charges an annual fee of $95

► Easily made up for by the card benefits so be sure to read what those are
 The 800 Credit Score Blueprint 32

(Click Me To Learn More)

Application Tips

► Citi Bank is kind of all over the place when it comes to which credit bureau they will
choose so checkout this article to help you figure out which one they’re likely to use

► Did you get denied for this card?

● If so call (800) 695-5171 and have them reconsider your application

“Golden Ticket” Cards

These are the powerhouse credit cards that you need to have not just in your wallet but on
your credit report as well.

Remember this book is designed to give you the exact blueprint to an 800 Credit Score.

To have a chance of hitting that mark you need to stack your credit report with a lot of accounts
but not just any ones will work.

The ones already mentioned will get you started but getting these next ones will truly position
you perfectly to get to an 800

Capital One Venture X

Once upon a time Capital One didn’t offer any credit cards that we would recommend you get…

That was until recently when they launched their Venture X card which finally has given us a
reason to get a card with Capital One.

Now this is one of those cards that you get because it has an awesome welcome offer that
gives you a bunch of points right off the bat.

And then you should just be nurturing the card by keeping it open. You can spend money on
it if you want to but we personally don’t outside of 1 transaction a month to keep it open.
 The 800 Credit Score Blueprint 33

DISCLAIMER
► This credit card charges an annual fee of $395

► Easily made up for by the card benefits, including a $300 travel credit so be sure to
review the benefits before applying

(Click Me To Learn More)

Capital One is a special breed of credit card issuers because of one annoying thing…

When you apply they will pull all 3 credit bureaus in order to make their final decision on your
application.

There’s no way around this so be prepared for the small drop in your credit score when
you apply.

Application Tips:

► Did you get denied for this card?

● If so call (800) 227-4825 and have them reconsider your application

Chase Sapphire Preferred

Remember when we introduced the Chase Freedom Unlimited and mentioned it had a partner
in crime?

The Chase Sapphire Preferred is the proverbial Batman to Robin and is the two-card combo
that everyone needs to have in their wallet who wants to get to an 800 credit score.

Unlocking the Chase Travel Portal allows you to start booking some insane free travel trips if
you know how to navigate it properly.
 The 800 Credit Score Blueprint 34

But for the purpose of this book this card is great for one reason in particular. Massive credit
limits.

We’re talking about $10,000+ in most cases for those who already have a credit score of 700+
and are below Chase’s 5/24 Rule.

Checkout some of the results of people we’ve had apply for the card.
 The 800 Credit Score Blueprint 35

You get the idea…

Travel for free and massive credit limits, is there anything else that is stopping you from getting
this card?
 The 800 Credit Score Blueprint 36

DISCLAIMER
► This credit card charges an annual fee of $95

► Easily made up for by the card benefits, including a $50 hotel credit so be sure to review
the benefits before applying

(Click Me To Learn More)

Application Tips

► Are you above the “5/24 rule”? Check that before applying for this credit card

► Chase typically uses Experian but check this website before applying to make you know
which credit bureau they will use

► Did you get denied for this card?

● If so call 888-609-7805 and have them reconsider your application

American Express Personal Platinum

Last but not least we have the one… the only… American Express Platinum card.

This is the best card to have in your wallet that you will not be spending money on.

And yes you read that correctly, this is not a card you should be spending your money on
because that’s not its purpose.

This card has two purposes only:

1. Let you travel in luxury

2. Make your friends jealous

 The 800 Credit Score Blueprint 37

Notice we didn’t say for spending money? That’s because you should instead be spending
your money on the American Express Gold card which was discussed just a few pages ago.

Go back and check that out in case you missed but the American Express Platinum card is the
last piece to your credit card arsenal.

If you want to travel like us then you must get this exact card.

DISCLAIMER
► This credit card charges an annual fee of $695

► Easily made up for by the card benefits, so be sure to review the benefits before
applying

(Click Me To Learn More)

Application Tips

► American Express typically uses Experian but check this website before applying to
make you know which credit bureau they will use

► Did you get denied for this card?

● If so call 800-567-1083 and have them reconsider your application

Credit Card Summary

After this section you may be thinking to yourself… “Omg I have to apply for 6 credit cards in
one day, that’s insane!”

Do you remember the ole saying that Rome wasn’t built in a day? Well, it’s a cliche that applies
here.
 The 800 Credit Score Blueprint 38

It’s not required that you get all of these in one shot, although that would be awesome if you
did. Rather focus on Chase and American Express cards first such as the Chase Freedom
Unlimited, Chase Sapphire Preferred, and then American Express Gold Card.

And if those go well and you want to go for more then feel free but if you start getting denied
and even after calling reconsideration you can’t get approved it’s a sign to slow down and wait
a little bit before going after more cards.

Let us be clear though that if you want an 800 Credit Score you ABSOULETLY need to get
serveral top tier credit cards in your wallet. The ones we’re outlining in this section meet that
exact criteria.

ACTION STEP 5: Apply For Credit Cards

Now that we’ve talked about all the credit cards that we recommend it’s time to apply for them.
But before you do make sure you know your credit score.

ScoreIQ shows you your FICO score aka your “Real Score” from Experian, TransUnion, and
Equifax. All three of those credit scores should be AT LEAST 700+ before applying for these
credit cards.

Figure 11: Example of FICO Scores on ScoreIQ

Once you confirm your scores are AT LEAST 700+ then it’s time to check your “Chase 5/24”
status. You will review your credit report and count how many credit cards you’ve opened in
the last 24 months.

If you are at 4 or below then you CAN APPLY for Chase credit cards.

If you are at 5 or more then you CAN’T APPLY for Chase credit cards otherwise you’ll be
automatically denied.

if you are at or above 5/24 then SKIP CHASE and move straight into Citi bank.

With that said here’s the exact lineup you’ll want to go through one by one. And we HIGHLY
RECOMMEND doing all of these in the exact same day. The more credit cards you open in
short amount of time the better your credit report will become as they all begin to age.
 The 800 Credit Score Blueprint 39

Your Credit Card Sequence

1. Chase Sapphire Preferred → Click Here

2. Chase Freedom Unlimited → Click Here
● Note you’ll get denied for this card if you apply directly after the Chase Sapphire
Preferred
● Call 888-609-7805 and have them “Reconsider” your application and you should
be approved
3. Citi Premier → Click Here
● Got Denied? Call (800) 695-5171 and have them reconsider your application
4. American Express Gold Card → Click Here
● Got Denied? Call 800-567-1083 and have them reconsider your application
5. American Express Platinum → Click Here
● Got Denied? Call 800-567-1083 and have them reconsider your application
6. Capital One Venture X → Click Here
● Got Denied? Call 800-567-1083 and have them reconsider your application

Your Credit Card Sequence (Low/No Annual Fees)

For those that are not big into travel or just don’t want to pay high annual fees for some of the
cards mentioned above then here’s an alternate list of credit cards to apply for.

1. Chase Sapphire Preferred → Click Here

2. Chase Freedom Unlimited → Click Here

● Note you’ll get denied for this card if you apply directly after the Chase Sapphire
Preferred
● Call 888-609-7805 and have them “Reconsider” your application and you should
be approved
3. Citi Doublecash → Click Here

a. Got Denied? Call (800) 695-5171 and have them reconsider your application

4. American Express Bluecash Everyday → Click Here

a. Got Denied? Call 800-567-1083 and have them reconsider your application

5. Capital One Venture Rewards → Click Here

a. Got Denied? Call (800) 227-4825 and have them reconsider your application

Your goal here is to apply for at least 2 of the credit cards listed in the above 2 sequences. And
your overall goal is to reach at least 6 credit cards reporting on your credit report.
 The 800 Credit Score Blueprint 40

Credit cards are one of the best ways to build your credit BUT not all credit cards are created
equal. The ones we talk about above are dsigned to help you reach an 800 Credit Score FAST.

When You’re Applying…

When you’re applying for these cards, if for some reason you are not approved for any of the
Chase cards or Citi then STOP and consider why you’re getting denied… And the banks will
tell you this information as long as you call them.

► Do you have too much credit utilization? Pay down your debt and try again once you do.

► Have you been applying for too much credit recently before going for these cards? Wait
6 months and try again then.

► Do you have unpaid debt like collections, missed payments etc…? Get Your Credit Fixed
by scheduling a call with our team.

The goal here is to get approved for all of these cards. Once you do you will be at an 800
Credit Score in no time because you’ll be creating so much payment history every single
month.

Six new accounts may sound like a lot however the only way to reach an 800 credit score
FAST is to create a lot of history on your credit report.

Remember that your goal should be to reach 10+ Positive Accounts on your credit report. And
in our experience, the majority of those accounts will be from credit cards.

How to Get an 800 Credit Score From Scratch

All of the credit cards that were just discussed are absolutely ones that you need to have if you
want an 800 credit score.

But you can’t start with any of those cards because they’re not designed to be your first credit
card.

So if you’re just beginning your road to an 800 for the first time or are rebuilding your credit
then this is the section of the book for you.

We’re going to go over the 3 bulletproof ways you can boost your credit score over a short
period of time so you can move up to the big leagues in no time.

Why are they bulletproof? Because you can’t get denied for any of these products.

We’re not kidding, you just need to click buttons on a computer, and BOOM you’ll have the
best starter pack on your road towards an 800 credit score possible.
 The 800 Credit Score Blueprint 41

Bulletproof Credit Score Increase Method #1 - “The Secured Credit Card”

Everyone wants to have a credit card with a $10,000 limit because that’s a pretty awesome
feeling and something that the banks would love to see on your credit report.

But you need to earn the right to have access to that type of credit card and that begins with
the secured credit card.

A secured card is a credit card backed by a cash deposit. For example, If the credit limit on the
secured card is $500. You must put up the $500 before they give you the card.

This protects the lender because you have little to no history and if you do not pay they will
keep your $500.

► Best for people that have little to no history with credit or are trying to rebuild after
removing negative items.

► Good for students or teenagers who are trying to build a credit profile.

► You only NEED 1 secured card, not 2, 3, or 4. Don’t get caught up opening multiple of
these.

When it comes to the secured credit card there are so many options out there it’ll make your
head spin if you type it in on Google.

This is why we recommend you start with the Discover It Secured Credit Card.

Applying for this card is a soft inquiry, and using the pre-approval link below you can see if you
are approved without impacting your credit.

We recommend checking to see if you are approved for this card and if not, there is another
option below

(Click Me to Learn More)

 The 800 Credit Score Blueprint 42

Some benefits of the Discover It Secured Card are:

► No annual fee.

► Automatic review after 7 months to graduate you to a unsecured credit card and refund
your deposit.

► Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in purchases every
three months. Plus, earn unlimited 1% cash back on all other purchases.

The other great thing about this card is that when they unsecure your card, they will give you
a limit that is 2-4x the amount you used as a deposit.

This means if you put down $2500 over the course of 6 months, when it gets unsecured you
might have a $10k limit.

This is by far the fastest way to get a $10k limit credit card in as little as 6 months if you don’t
have good credit to start with.

There are also some secret 0% APR offers for existing Discover IT customers.

To do this, you call the number on the back of your card and ask if they have any 0% APR offers.
They will frequently have 12 months of 0% APR offers available.

This is nice if you have a big purchase you want to make and need a few months to pay it off
without interest.

This is why it is our ideal choice for a secured card.

But if your credit is particularly poor and you are rebuilding your credit after missing payments,
defaulting on previous credit accounts or anything bad…

Then it makes the most sense for you to get our next option.

This second option is perfect because it requires no credit check, meaning you cannot be
denied for the card.

This card has the following benefits:

► Secured limit as high as $5,000

► Earns rewards on your spend

► Can become unsecured in as little as 4 months

► No credit check when applying for it

 The 800 Credit Score Blueprint 43

We know, it sounds too good to be true but you can check it out for yourself by click on the
card below

(Click Me To Learn More)

If you do not have a credit card at all then click the link above and get the Zolve card.

This is probably the best option out there right now for those have been denied for other cards
like the Discover It Secured Card because of bad credit or don’t have any cards yet and are
looking to build credit.

At the same time, it is best you avoid other options on the market as some of them will not have
as much positive impact on your credit score as Zolve does. Two in particular that should be
avoided are the Chime Credit Building Card and the Self Credit Building Card.
 The 800 Credit Score Blueprint 44

One of the biggest issues with Self is that you don’t get your security deposit until you close
the card. We do NOT recommend ever closing accounts so they are basically trying to take
your money.

When looking for a Secured Card, make sure there is a specific timeline for you to receive your
deposit back.

With Zolve, they guarantee that you will get your security deposit back in 4-6 months and any
good credit building card will be similar.

Another brand that is notorious for not giving you you security deposit back is Capital One
Secured Cards.

Also, for the Chime Card, the credit limit is extremely low and is based on the revolving balance
inside the account.

Basically, the way Chime works is that it is a glorified checking account without a preset limit.

So if there is only $100 in your Chime account, then you will only receive a $100 limit reported
to your account.

This is nowhere near as helpful to your credit score as having a predefined limit.

They are trying to incentivize you to store more money with them instead of giving you a pre-
defined limit as high as $5,000 like Zolve or $2,500 like the Discover Secured card.

This is why we recommend sticking with the two options we mention above.

ACTION STEP 6: Get The Zolve or Discover It Card

If you already have a few unsecured credit cards then you do not need to get this card.

However if you are building your credit for the first time or are rebuilding your credit after
missing payments, defaulting on previous credit accounts or anything bad then you MUST get
one of these cards

These are SECURED CREDIT CARDS meaning you’ll want to have at least $500 available to
put towards this credit card when you open it. It’s only temporary as they have a very clear path
towards having it become unsecured.

This specific card can become unsecured in as little as 4 months and during that time you can
still earn rewards, including up to 10% cashback at select retailers.

Which Should I Choose?

 The 800 Credit Score Blueprint 45

When you should get the Discover It Secured Card:

► You’ve never had a credit card before and have no credit history.

► Your score is below a 650.

When you should get the Zolve Secured Card:

► You’re rebuilding your credit after missing payments, defaulting on previous credit
accounts or anything bad.

► You got denied for the Discover It Secured Card, since this card has no credit check.

This is VERY EASY to do and there is no credit check for either card. Making it ideal for anyone
that has no credit history at all or those rebuilding their credit.

It will be required for you to reach an 800 Credit Score and the key to eventually getting
unsecured credit cards that you want to have in your wallet.

Bulletproof Credit Score Increase Method #2 - “The Credit Building Loan”

“But guys I don’t want to take out a loan right now”.

Before you skip this section you won’t need to take out any loan to take advantage of our next
bulletproof method to getting an 800 Credit Score.

You see, up to this point we’ve focused very heavily on credit cards, and rightfully so because
they are extremely important. However, they are only half of the total equation…

Alongside credit cards are loans and without having loan history you WILL NOT ever reach an
800 credit score. And randomly applying for a loan that you don’t need for the sake of it is not
the answer either…

That will cost you an unnecessary amount of money and you can get denied for them if you
have no history to make the lender trust you. So then what’s the best route to go down?
 The 800 Credit Score Blueprint 46

The answer is to get a CREDIT-BUILDING LOAN which will solve your problem immediately.
These loans are designed only to build your credit, hence the reason you’re getting them in
the first place and they work like this.

You signup for the “loan” of your choice ranging from $1,000 all the way up to $10,000. The
bigger the better but going with the smallest one is still okay too.

Each comes with a monthly fee starting at $15 which you will pay each and every month. This
payment is what will get reflected on your credit report and create the loan history you need.

“So wait, when do I get the $1,000 loan in my bank account?”

And that’s the kicker, you never actually get the money, which is why there is no credit check
when you apply for this loan.

You’re basically taking out a loan that the bank immediately secures in an account that whenever
you cancel your account they then use to pay off the loan that you took out.

We know it may not make a lot of sense but all you need to understand is that you make a
monthly payment and can cancel at any time all while building your credit.
 The 800 Credit Score Blueprint 47

It’s one of the reasons we love Credit Strong and why you should check it out for yourself by
clicking below.

(Click Me To Learn More)

If you do not have any loan history then getting Credit Strong will make a massive difference in
your credit score and put you well on your way toward joining the 800 club.

Side Note: Whatever you do, we recommend NOT getting some of the credit builidng loans
like the Kikoff loan and others. We get tons of people that come to us with this loan and the
biggest issue with this loan and other ones are the following:

They report low limits and this will not help you get a loan in the future.

We’ve seen some of these loans only report as low as $120 as the loan amount.

While this does help with positive payment history, future lendors will see a loan of only $120
which doesn’t help you improve your ability to get a loan.

Credit Strong reports at minimum a $1,000 loan amount, up to as much as $25,000 loan.

This is WAY more helpful than a simple $120 loan amount.

Another reason is how the installment loan is reported on your credit report.

Products like Kikoff are reported as “Kikoff Lending” and when lendors see this, they may
become doubtful and know this is a credit building product and not a real loan.

Credit Strong is backed by Austin Capital Bank, which is a real bank you can go to in Austin
Texas. When you sign up with Credit Strong, you will see Austin Capital Bank reported as a
lender on your report, which looks way more legitimate than a fin-tech company that is solely
trying to make money.

This is why we are not a fan of products of like Kikoff and Self.
 The 800 Credit Score Blueprint 48

So I am here to tell you that Credit Building Loans do work and the best one currently out there
is Credit Strong.

So now let’s go over how to sign up for the Credit Strong Credit Building Loan.

ACTION STEP 7: Sign Up For Credit Strong

10% of your ENTIRE Credit Score is made up from something called your “Credit Mix”.

Meaning if you don’t have a loan on your credit report you are seriously missing out on having
a great credit score. And if you had a loan in the past, like an auto loan, that you paid off
completely it no longer counts towards this factor.

We know it’s annoying but that’s the way the system works. Banks want to see that you are
ACTIVELY paying on an installment product right now to have the most trust in you.

Figure 12: “Credit Mix” Explanation from ScoreIQ

 The 800 Credit Score Blueprint 49

This can be fixed immediately by signing up for Credit Strong’s Instal product shown below:

Figure 13: Credit Strong Instal Products

There are multiple loan options depending on how fast you want to build your credit back. We
recommend going with the $28/mo option at a minimum, but if you really want to build a solid
report fast, we recommend doing the $199/mo or the $449/mo plan.
 The 800 Credit Score Blueprint 50

If lenders see that you had a $10,000 or $25,000 loan on your account, they will be far more
likely to lend you a similar amount of money for an auto loan or personal loan.

You will select whichever option fits you best, and then proceed to signup for it by following the
prompts. It’s that easy and will reflect on your credit report within 2 months.

This one thing help me (Josh) boost my score by 20 points when I didn’t have any loans on my
credit report back in the day. And then best part is you get some of the money back when you
close the account eventually.

► Boost Your Credit Score

► Cancel Anytime

► No Credit Check

This is REQUIRED if you do not have a loan already as it will add to your “Credit Mix” which is
ESSENTIAL for getting to an 800 Credit Score.

{END OF ACTION STEP}

Bulletproof Credit Score Increase Method #3 - “Build Credit While Paying Rent”

If you are paying rent then we promise reading these next few lines will be life-changing for
you.

Most people make a payment every single month and are completely unaware of how much
they are missing out on. If you want an 800 credit score then one of the easiest ways to get
there is through something you do every month anyways. Paying rent.

This final product makes it on our bulletproof list because it’s something that you are already
doing right now without benefiting at all from doing it.

The BILT Credit Card allows you to earn rewards by paying your rent with no additional fees.

Usually, paying rent with a credit card means pay up to 3% extra, but with the BILT card there
are no fees. This is perfect for people who rent and want to build positive payment history on
their credit report for something they already do, paying rent. It is as simple as that.

You can also earn some highly valuable rewards points that can be used on travel, including
American Airlines.

If you know anything about travel hacking already, you’ll know that there is no other credit card
out there that can transfer points to American Airlines. Considering American Airlines is one of
the biggest airlines in the United States, this could mean a free flight just for paying your rent!
 The 800 Credit Score Blueprint 51

ACTION STEP 8: Signup For The BILT Card

If you are paying rent and have a credit score over 680, there is absolutely zero reason to not
have the BILT card to pay rent every single month.

This is a great way to build positive payment history and earn some nice travel rewards doing
something you do every single month.

We high recommend you sign up for it and we’ve included the link below:

(Click Me To Learn More)

Signing up is very simple. Just click the link and follow the steps laid out on the BILT website
and you’ll instantly know if you get approved for the card.
 The 800 Credit Score Blueprint 52

Knowledge Check

By now you should have the following:

1. 2-6 New Credit Cards

2. 1 Credit Building Loan (If you don’t already have a loan)

3. Signed up for Rent Reporters (If you’re paying rent)

With these 3 new items on your credit report, you’re now ready to move on to the next step
designed to help you boost your credit score as high as possible.

If for some reason by now you still have not assessed your FICO score with ScoreIQ, then do
so immediately and apply what you’ve learned so far from this blueprint. Otherwise, this next
section will make ZERO sense to you.

This is a step-by-step manual designed to get you into the 800 Club and it will only work if you
follow along and take action. Do not be that person that buys a book and never actually does
anything useful with it - use ScoreIQ now to get your report if you have not yet done so.

If you have negative items, it’s best to start by removing them. If this is you, then please visit this
link to get started immediately.
 The 800 Credit Score Blueprint 53

STEP 3 Credit Boosting Secrets The Banks

DON’T Want You To Know
We’ve talked a lot about the accounts you need to be adding to your credit report in order to
have a chance at hitting an 800 credit score.

But it’s not just about adding accounts and getting approved for credit cards that gets you to
an 800.

You will need to nurture those accounts.

Referring back to our section on “What Banks REALLY Want to See” there are a couple of key
points we want to talk about again and how they relate to the accounts you should now have.

Keeping Credit Card Balances Low

Now that you have credit cards, your credit utilization rate is something you need to pay attention
to. If you don’t then you’ll be putting yourself at a massive disadvantage when applying for
credit and keep yourself out of the 800 club.

Your goal is to keep your utilization below 10% but not 0% either, doing that will be your best
approach to having the maximum amount of points from this category.

We recommend that you implement the A.Z.E.O Method which you can learn about by watching
our TikTok on it.

Using Minimum Payment / Automatic Withdrawal Backup Plan

Maintaining a healthy relationship with your bank is crucial. This is why it is so important to keep
your credit report clean, meaning no missed payments.

This is why we recommend that you set up automatic payments so that you never miss the
minimum payment.

To further ensure this doesn’t fail, you can open another bank account and have that serve as
your backup. Should you ever forget to pay or something doesn’t work right, this account can
make the payment.

Leaving a small amount like $500 in this account should be enough to handle the minimum
payments for all your credit card accounts.
 The 800 Credit Score Blueprint 54

Fast Track to An 800 Credit Score

The length of time you’ve had credit matters. And the average history across all of your accounts
has the largest impact on this facet of your credit score.

Let me break that down real quick for you with an example:

► Credit Card 1: 24 Months Old

► Credit Card 2: 12 Months Old

► Credit Card 3: 0 Months Old

In this example your Average Age of Accounts is (24 + 12 + 0)/3 = 12 Months or 1 year.

Even though your oldest card is 2 years old, the average age of all of your accounts is only one
year. And in order to reach an 800 credit score you need that average to be at least 5 years.

Meaning you either open all of the credit cards that we recommended earlier and patiently wait
5 years…

Figure 14: You waiting years to reach an 800 Credit Score

Or you can use this secret trick to not only accelerate how quickly you reach an 800 Credit
Score but also make it even easier to get approved for credit cards that you apply for.

Get yourself added onto someone else’s credit card, otherwise known as becoming an
“Authorized User” of someone’s credit card.
 The 800 Credit Score Blueprint 55

Advanced Credit Boosting Method

When someone adds you to their credit card, you become an authorized user on that account
their credit card is now reported on your credit report.

For better or worse their account is now “your account” as far as the banks are concerned.
Which is why it is VERY IMPORTANT that you select the right person to add you to their
credit card.

We suggest that you have a family member or close friend add you onto one of their credit
cards as long as their card meets the following criteria.

1. It MUST have 100% payment history... aka 0 missed payments

2. It should be AT LEAST 2+ years old

3. It should have a minimum of $5000 credit limit

4. It should have no higher than 10% utilization

What’s great is there are no laws or rules that say you must add only family members to your
credit cards. Meaning if you have a lot of friends.

Now if you don’t have a family member or friend willing to add you to their card then fear not
because we got you covered.

ACTION STEP 9 (BONUS): Add Tradelines To Your Credit Report

No one to add you to their credit card? No problem. We have access to a lineup of tradelines
you can be added to however there are some things you need to know first.

We only recommend you reach out to us if you’re intending to apply for something in the very
near future. Because they won’t stay on your credit report forever. Only for a period of time and
then we will remove them once you are done doing what you need to do.

Examples of what you can apply for with a tradeline would be things like:

► Your dream home

► A new vehicle

► Credit Cards (like the ones we suggested in the previous section)

► A business loan

If any of those sound like something you will be applying for in the very near future then you
can GREATLY benefit from being added onto an aged tradeline.
 The 800 Credit Score Blueprint 56

Figure 15: Example of Authorized User Account from ScoreIQ

This is one that I’m added onto right now and as you can see the stats on it are amazing!

► Almost 40 years old

► $15,000 Credit Limit

► ~8% Credit Utilization

► PERFECT payment history

It checks all the boxes we require for tradelines and it’s paid off big time for my credit score.
My brother also has them and we both saw over 50+ points get added to our scores overnight.
 The 800 Credit Score Blueprint 57

Knowledge Check

By now you should understand the following:

1. What balances you should keep on your credit cards

2. How to avoid missing payments EVER

3. How to boost your credit score overnight by 100+ points

You are now ready to learn EXACTLY what it takes to enter the 800 Club.

If for some reason by now you still have not assessed your FICO score with ScoreIQ, then do
so immediately and apply what you’ve learned so far from this blueprint. Otherwise, this next
section will make ZERO sense to you.

This is a step-by-step manual designed to get you into the 800 Club and it will only work if you
follow along and take action. Do not be that person that buys a book and never actually does
anything useful with it - use ScoreIQ now to get your report if you have not yet done so.

If you have negative items, it’s best to start by removing them. If this is you, then please visit this
link to get started immediately.
 The 800 Credit Score Blueprint 58

STEP 4 The 800 Credit Score Recipe

Figure 16: Chris’s Credit Score aka one of “The Credit Brothers”

Finally, the section you’ve all been waiting for!

Did you skip right to this section? If you did, go back to the beginning and make sure you’ve
read everything. The advice in this section is not for beginners.

There is a reason why having an 800 credit score is so tough to get...because it takes work!
 The 800 Credit Score Blueprint 59

Don’t skip out on the basics. Trust us, you’ll be glad you did.

Now that we’ve gotten that out of the way, let’s get right into it.

Here are the 5 Criteria you Need to Hit to get above an 800 Credit Score:

Average Account Age of 5+ Years

All your accounts need to have an combined average age of 5 years as a minimum. If you
have some accounts under 5 years, this is ok. As long as there are others that are higher and
average out, you will be fine.

This is really where adding tradelines to your credit report can be very helpful because the
one thing you can’t speed up is time. Getting a bunch of accounts on your credit report is
awesome but they won’t be 5 years old until it’s been 5 years since you got them.

Whereas if you add a couple credit cards that are 10+ years old each then you can GREATLY
INCREASE your average age of credit history. That’s the nice thing about it being an average.

The reason we’ve showcased a lot of accounts you can get throughout this book is because
ideally you get them within a short time frame of one another. Doing this will mean they will
all grow together and give you a very strong average age of accounts.

Which is not just good for getting to an 800 credit score but also keeping yourself at an
800 because later down the road when new credit cards come out that you want to get your
average age will be less affected by the addition of new accounts.

10+ Open Accounts

Whatever you do, DO NOT immediately go open 10 accounts so you can hit this number.

Quality matters as much as quantity and if you open up a bunch of “Sub-Prime” credit cards
just to reach 10 accounts as quick as possible then you will be doing more harm than good.

The reason is because of the concepts of both Trust & Perception.

Trust is the accounts that you have on your credit report and specifically what types of
accounts those are and how they’ve been treated. For example a credit card from Chase with
perfect payment history for 4 years and a $10,000 credit limit makes you very trustworthy.

Perception is how the banks look at you both from a credit score standpoint as well as the
accounts on your report. Obviously your credit score matters and once you reach an 800 then
you can rest assured knowing that you will likely be perceived very well by the banks…

However, even if you have an 800 score, but the accounts on your credit report are all low
limit credit cards ( < $1,000) from sub-prime banks like First Premier or Credit One. Then you
 The 800 Credit Score Blueprint 60

are not going to be perceived as someone that can handle high limit credit cards from major
banks.

Your credit score absolutely matters to a degree, but HOW you get your credit score matters
even more which is why we’ve laid out the best accounts you can stack your credit report with
throughout this book.

If you can get them all at once then awesome, but keep in mind that it took my brother and
I a couple of years to really solidify our credit reports with those accounts. So if you only get
1-2 at a time that’s okay but sooner the better because of the discussion above pertaining to
Average Age.

1+ Open Loan

We touched upon this earlier in the book when we went over Credit Strong which is a credit
building loan. But as a reminder you must have an Open and Active loan on your credit report
at all times.

Meaning the auto loan you paid off 2 years ago doesn’t count. And if you are in between “Real
Loans” then that’s where a credit building loan really comes into play.

It allows you to ALWAYS have this part of your credit report intack regardless of what’s going
on in your life. And once you get a mortgage then you will be good for decades so if you’re
already there then consider this section checked off for you.

Credit Utilization between 2-9% in total

When it comes to credit utilization there are two different concepts to understand. Note that
credit utilization only applies to your credit card specifically, not loans.

This is another reason why it’s CRITICAL to have credit cards on your report. If you don’t then
you won’t be scored in this category at all which makes up for 30% of your entire credit score.

This first concept is your Total Utilization across all of your credit card accounts. Which means
the total balances of your credit cards added together, relative to your total credit limits across
the same accounts needs to be 9% or less but 2% or more.

A tip for making sure you always are within this range is simply by having a lot of high credit
limits that total to $100,000+

It’s not that you’ll ever spend all of it but you’d need to have $10,000+ in credit card debt to be
outside the range of what’s acceptable which for most people would never happen.

The second concept is your Individual Utilization across each one of your credit cards
specifically. Meaning all of your credit cards are scored both as a Collective and Individually.
 The 800 Credit Score Blueprint 61

Meaning even if you had $100,000+ in available credit across all of your accounts… But you
have a credit card that has a $500 balance and a $1000 credit limit you will be dinged on your
credit score for that.

If you need to float money for a little bit we HIGHLY RECOMMEND you do this on a credit card
that has a significant amount of credit limit available to avoid having your credit score drop.

And last note on this is you DO NOT need to hold credit card balances while also Paying
Interest on your credit cards.

Instead simply pay off your credit card’s statement balance in full every month but leave a
little bit of money on the total balance itself.

You are only charged interest on the money leftover on the Statement Balance not the entire
balance. We understand that this is arguably the most convoluted part to this entire guide but
that’s why we jam packed this part with so much information.

Do this and you’ll master the credit utilization factor to your credit score in no time.

PERFECT Payment History

Without ABSOLUTELY perfect payment history, don’t expect to break into the 800 club. This
means paying your credit cards and loans on time every single month. Seems simple right?

Just one missed payment will keep you from reaching an 800 and it will take 7 years for that
late payment to drop off your credit report unless you do something about it.

It’s because your payment history makes up 35% of your total credit score which is the single
biggest chunk of the entire thing. If you’re someone that has severely messed up your credit
already and are trying to climb the ladder back up then Schedule a Call with our team.

We are specialzied in helping people fix their payment history and it’s way faster than having
to wait 7 years until it drops off your report naturally.

For those that have never missed a payment, keep on keeping on.

ACTION STEP 10: Final Review of Your Credit Report

By now you should understand the following:

1. The EXACT things you need to have in place to get an 800 credit score

This book is designed to help you get to an 800 credit score as fast as possible so we saved
the best section for last. Knowing is only half the battle so if you have already then start
IMPLEMENTING the things we’ve been teaching you in this book.
 The 800 Credit Score Blueprint 62

Which includes things like:

1. Understanding EXACTLY what’s on your credit report by using ScoreIQ

2. Applying for the BEST Credit Cards on the market and the same ones my brother and
I use

3. Getting a credit-building loan through Credit Strong

4. Boost your credit score by Paying Rent with the BILT card

5. Getting Your Credit Fixed by scheduling a call with our team

Seriously, we’ve jam-packed this book to include absolutely everything you need to be
successful and watch your credit score break through barriers you’ve been struggling to
surpass.

If you want an 800 Credit Score you must grow what’s on your credit report. We know you may
want a magic pill solution and if we find out what that is we’ll update you.

But until then the name of the game is adding the accounts you need, keeping your balances
low, paying on time, and letting time do its thing.
 The 800 Credit Score Blueprint 63

Welcome To The Club!

If you made it this far, congrats! You’ve done the hard work to build your credit and set yourself
up for financial success in the future.

You’ve spent countless months and even years making sure your credit was perfect. You paid
every card on time, borrowed responsibly, and made strategic moves to improve your credit.

Along the way, you might have had some doubts but you stuck with it and now it has paid off
for you.

► You’re getting the best rates when you borrow money for cars or even a house.

► You know how to select cards that provide the best rewards for your lifestyle and take
advantage of other perks.

► You can sleep at night knowing that if anything bad happens, you can rely on your credit
to help you out.

With your new score, you are now part of the TOP 20% of Americans that have an 800 credit
score or above.

So congrats, you should be proud of yourself!

Cheers To You!
 The 800 Credit Score Blueprint 64

Bonus: Erase The Bad Things On Your Credit

While Boosting Your Score…
If you have bad credit, there are ways out. There’s a secret underground loophole my brother
and I have been using to give people a fresh start.

Here are some of the results.

Client Samanta:

Before & After:

 The 800 Credit Score Blueprint 65

Client Aaron:

Before & After:

And here are some of our recent Google Reviews

 The 800 Credit Score Blueprint 66

Discover IT Secured Card

Guidance & Expertise

Guidance & Expertise (Part II)

If you want to learn more, you can visit this page…

YES, I WANT TO
REPAIR MY CREDIT
 The 800 Credit Score Blueprint 67

Bonus: Learn Secrets to Travel For Free and

Beat The Banks
If you already have excellent credit, then you’re probably missing out on the benefits from that.

People with excellent credit can:

► Take Multiple Vacations every year without spending ANY of your hard-earned cash...

► Learn how to access Fast Capital for ANY purpose at the lowest rates...

► Get FREE Upgrades to the best hotel suites, first-class flights, and be treated like royalty...

► Learn How to get the 6 Best Credit Cards in a single day... (that’s more in credit lines in a
single day than most people will have access to in their entire lives).

► Discover the secret pass that gets you Up to 80% Off Hotels...

► How to Legally PROFIT from credit cards WHILE hitting sign-up bonuses...

And we will teach you how to do all of that and more in our inner circle.
The 800 Credit Score Blueprint 68
The 800 Credit Score Blueprint 69
 The 800 Credit Score Blueprint 70

YES, I WANT TO APPLY

FOR THE INNER CIRCLE
 The 800 Credit Score Blueprint 71

Epilogue

We want to take a moment of reflection as we wrap up this extensive book on reaching an 800
credit score. It’s been years in the making and if you’ve made it all the way to this part then our
time together is coming to an end…

If there is one thing that my brother and I have learned along the way is that credit is very
simple yet everyone makes it out to be very complicated. This is likely because the less people
understand it the more money they will lose to the banks which is a win for them but a massive
loss for you.

It was just a few years ago that we were only brothers and had no social media channels,
videos or guides created around credit at all yet were doing everything in our own lives to
maximize it’s benefit to us.

Once we began teaching this to friends and family we knew that there was a massive need
for this information and after putting countless hours we’ve gotten to where we are today.
Hundreds of thousands of followers, millions of views, and it’s all thanks to people like you.

As much as you might want to thank us for everything we’ve done to help you we were raised
in a way that simply put demands we stay humble and understand we can always improve and
be better than we are now.

And that’s something we truly do apply in all aspect of life, not just our financial lives. So as
we conclude this book if you feel like providing feedback to us then please fill out this short
questionnaire so that we can better understand truly what you thought about this guide.

From both of us here at The Credit Brothers we wish you the best of luck building your credit
score and we’ll catch you at an 800 Credit Score.