/biz/ - Business & Finance

760 25 yo utter bizness man here

I have an 800 score but when I tried to get a personal loan all I could get was like 36% APR so wtf is the point. I thought I could get good loans

>>16102931
you probably have nigger income

you never hear rich people bragging about their credit scores.

>>16102953
hi nigger

>>16102889
where do you check your FICO score?

>>16102889
lol credit scores
The jewiest thing they do to control you

>>16103130
me like number go up, though.

>>16102931
LINK has gone up around 500% this year so that would have been a good loan to take still.

>>16102889
>>16102909
>>16102931
All of you send me an e-mail reddit@secmail.pro

Do not apply for any credit cards before e-mailing me

>>16102889
Nice good goy score. I've never checked mine because I'm not poor but good for you.

>>16102889
fuck them goyim scores. I have a 777 and that shit is useless.

>>16103709
send me an e-mail reddit@secmail.pro

Do not apply for any credit cards before e-mailing me

>>16102889
>>16102909
>>16102931
>>16103709

haven't received any e-mails yet... I want to show you how you can have your credit score make money

>>16102889
All this means is you are too much of a pussy to properly use debt

>>16104273
Just post it here

>>16102931
Personal loan also takes into calculation your past types of credit, past credit amounts, and credit history/duration, not just score. If you never had a personal loan and try to get a big one, it won’t be good terms. If you had small ones in the past that you paid off, it is better when applying for a larger loan

>>16102889
good
>>16102958
goy

>>16103797
>>16104273
HOW TO PROFIT FROM CREDIT SCORE?

Good goy points
LMFAO

>>16104273
I email bt no reponse wnt 2 mk dollars plz

Who else 572chad

>>16105399
>>16105330
I'll explain the basics here, but for actual documentation, you'll have to e-mail me so we can move forward. Basically, our SEC Reg D fund indemnifies you (the unaccredited investor) by forming a LLC on your behalf, making you its sole owner. At our direction, your LLC obtains $150,000 from a handful of lenders purely based on your FICO 8 Score (no-doc lines of credit), and then monetizes these credit lines to purchase our fund's stock (we draw the credit lines down to zero). You are left with a stock certificate worth $150,000. We use the proceeds of the funds provided by your LLC to in a mix of transparent asset classes that are uncorrelated to the stock market (or crypto). Upon successfully obtaining $150,000 in credit lines, you will receive a "sign on bonus" in month 1. You will also receive a monthly salary for months 1-12 (enough to live on). At the end of month 12, you agree to sell us your LLC for $1 (we do a stock buyback). You will receive a significant "severance", and your contract with us can be renewed if you wish to continue for another 12 months.

The purpose of this is that it allows our fund to raise capital quickly from everyday people ("non-accredited investors") with great FICO 8 Scores, instead of having to find and isolate HNWIs in the hopes that we get an investment from them. Our method allows us to bypass the traditional fundraising route and provides us the ability to know with certainty our future cash flows 12 months out, whereas a typical hedge fund is based on the performance of individual positions and does not know how much it will be paying out at the end of the month. The method also allows us to provide the unaccredited investor with a passive income which he or she does not have to work for, as it is entirely based on their FICO 8 Score.

>>16105423
Inbox is empty.

>>16103143
(((they))) know that too.

daily reminder that a credit score is a money lenders way of indicating you are a good customer for them.

>>16105638
>We use the proceeds of the funds provided by your LLC to in a mix of transparent asset

omit the word "to"

>>16105638
I want to clarify one thing:

>The purpose of this is that it allows our fund to raise capital quickly from everyday people ("non-accredited investors") with great FICO 8 Scores

To be more precise, we are leveraging everyday people's great FICO scores and raising capital quickly from lenders.

>>16105638
> Do this
> Stock tanks because owners sell off every thing
> Be left with worthless stock shares and 150K of debt
Gonna pass famalam

My credit score went down 50 points because I got a credit card loan. Slowly going up as I pay it off.

>>16102938
He must. I just started fixing my credit cuz I never needed pretend money. Right now tho I am going to take all the equity out of my rental property to hold USD debt and buy hard assets. This shit is easy if you aren't broke.

>>16102889
stop making fun of me

>>16102889
>Hey biz look at my good goy score
Kys sodomite

>>16105817
The stock certificate is to the company that you own (and therefore, more importantly, control). The owner is you. So if you "sell off everything", then yes, you will be left with a useless piece of paper because you did not follow procedure. Also, the purpose of the LLC is for its limited liability coverage. As the 100% shareholder, you have limited liability from unforeseen events. If for some reason or another, the fund turns out to be a scam, or the owner of the fund runs off with the money that they have drawn down on the credit lines, your company becomes insolvent and shutters. The credit lines that are established to accomplish this use your FICO 8 score as a reference, but your personal score (or your finances) are never put into jeopardy even if a default occurs, because business tradelines attached to an EIN are being used as opposed to personal tradelines to shield you. There are financial mechanisms in place in the event of a default which are made clear up front to protect the partner whose credit score has been leveraged (you). Of the two partners of the fund, one is an ex-lawyer turned fund manager with a background in insurance and the other is a financial engineer with a background in different asset classes including annuities, and I am a director in search of people with high FICOs.

No problem if you want to pass, but if you change your mind and want to talk or receive documentation, you have my e-mail.

>>16105638
Does doing this affect credit score at all? Also is it legal?

>>16105638
you know it's never too late to get out of a pyramid scheme.

>>16105892
"Credit Card Loan"? Do you mean a loan to pay off your credit card? Or do you mean a credit card which you borrowed from? You should have your utilization on the card not be 30% or greater. Keep it at 29% or less and you won't have an issue with your score tanking. Also, your score will usually take a hit when applying for new credit. Be mindful of some banks or lenders having certain rules (ie: Chase Bank's famous 5/24 rule, or others like it, which states that you will automatically be rejected for most of their cards if you have applied for 5 cards from any lender within the last 24 months).

>>16105990
Yes, it is legal -- it is a form of creative financing. The funny thing is, if you talk with others on Wall Street about it and give them a 35,000 foot overview, they'll cut you off and shake their head in disbelief and tell you right away that they believe it's a scam because if it sounds too good to be true, it usually is, but when you break down the mechanics of it and how everything is pieced together, their face lights up with a smile and it never fails, they say "that's so smart." The partner that's the financial engineer is the one that is pioneering this, which is derived from a proprietary dynamic mix of old products including annuities, key man insurance and external portfolio management (cash), all of which are entirely transparent.

It will not affect the credit score of the individual so long as credit lines are not applied for personally. To restate, a soft pull is done from Equifax (which has no effect on your credit score, and cannot be seen by other lenders -- only by you). Lenders will then look at your personal FICO BankCard Score 8 and determine whether or not you are in a sufficient place to be able to clear $25,000-$150,000 in business credit approvals (ie: no personal late payments or derogatories, no personal recent applications for credit, no personal high utilization on cards). If you do not meet one or more of these requirements, but your score is high, you will have credit repair completed if you wish to continue. This will resolve the issues, and can be as simple as "waiting" for things to age out of your report, or actively disputing.

Your LLC's Paydex score (which is your credit score for your company) will start to build credit at the end of month 1 by establishing tradelines that report to credit bureaus (ie: Office Depot, Home Depot, etc.) By the end of the 12 month term, when the tradelines have been paid back, your Paydex score (the credit score for your business) will have gone up.

>>16105967
> This is super legit and totally cereal
> Which is why we use an anonymous email service to handle our /biz
You put much more effort than most jeets, I'll give you that much.

>>16106009
You know, I agree with you. I hate pyramid schemes -- not only because they are illegal, but moreso for the fact that a lot of desperate people get ensnared by them, including friends of mine who I have seen waste years toiling away with something they believed in, just because they saw early joiners of the MLMs with everybody else's money. Even worse, some of these friends have had to put money in to join or buy product from their MLMs, and because of the way they "make" money, were pressured into recruiting their family and friends. I've had friends in Primerica, Vector/Cutco, PrePaid Legal/LegalShield, MaryKay and other companies. All of my friends left with less money than they joined with because of the fees that were either charged or expenses that they personally had incurred, along with their inability to find anyone willing to join (or buy) their garbage.

What I am talking about is something different -- it is not based on tiers, levels or ranks of employees -- nor is it taking in cash from new investors to repay old investors or other financial obligations. The financial engineer and ex-lawyer have figured out a way to be simply exploiting SEC Regulation D, Rule 506 -- which states that you can have an unlimited number of accredited investors and/or up to 35 unaccredited investors. They are instead predetermining that the number of accredited investors will be 0, and they can get beyond the "35 unaccredited investors" part by forming multiple Reg D funds and declaring the "unaccredited investors" to be "employees" by having them sign contracts and compensating them with a fixed (mind you, capped) salary, rather than having to pay them based on the fund's performance. It is a way to raise money by leveraging the credit scores of your employees without needing to compensate them the way you would an accredited investor. A normal every day person is happy to receive a salary, better yet, a salary that they didn't have to work very hard for at all.

>>16106271
We have a history online dating back a number of years along with an established corporate history, in addition to being in publications and invited to speak at financial conferences. The reason I used the anonymous e-mail here is because I don't wish to have the company name indexed here, which will get a high page ranking anytime someone searches for it (also to protect privacy). Will be glad to send out legitimate "real world" information once anyone passes through the anonymous e-mail filter.

And yes, I am putting in effort because I have spent years wasting time with dozens of clowns on Wall Street that would play all day and all night long with MT760s, MT799s, MT199s, BGs, SBLCs, MTNs, CDs, DLCs, LCs, PBs, IMFPAs, NCNDAs, LOIs, SKRs, POP docs and hundreds of other stupid time-wasting financial instruments that got them (and me) nowhere. Sick and tired of hearing "B"s, and the ever so elusive "T"s in discussions regarding FX, phony petchili bonds and incomprehensible quantities of commodities. I need some reality and more importantly action, and what I am talking about is verifiable, unlike the things that people I have hung around with for years have discussed. No more time to waste on nonsense -- so I am putting in effort to find people from this board and other sites that will make money with me. It has taken me 9 years to get to this point of being able to spot the gold in the ever flowing piles of garbage right away, and I am excited to share it.

>>16106228
Correct me if I'm wrong but they're essentially lending the high FICO person $150,000 capital to work with? And then your company decides how to invest the money? Or do you make money another way?

>>16106454
> Email address is reddit
> It's for here
> I'm in charge of finding people with 8XX credit scores willing to sign up
> And I'm doing so here and or on reddit
> But We're really a massive global succesful company
> Dude just believe me
Again, excellent effort rajeesh

>>16106473
The lender is giving the individual's company $150,000 (in tranches). We direct the owner of the company to confirm with the lender what we have already told the lender -- that you wish to secure 0% interest business lines of credit (which range from 6 - 18 months). The lender will issue the 0% lines of credit in batches, up until they have no more options available (if they fell short of issuing the $150,000 total for the 0% interest criteria, then they would seek other business lines of credit that minimize the cost of capital until $150,000 has been reached). They are giving the person a line of credit to work with, meaning the credit sits there and is available to you to use whenever, and can be drawn down fully. You only pay interest/fees on the portion that you use. Once the amount has been paid back, you can use it again (it is revolving).

Yes, our company decides how to invest it. The difference here is that everything is "off the shelf", meaning, everyone is familiar with annuities, everyone is familiar with insurance and everyone is familiar with cash, they're all transparent, but nobody out there is combining them in the proprietary way we are to generate alpha.

>>16106503
funny, but no, we're not massive. Stating that there's a history does not imply size. Never asked anyone to believe me. I said message me if you want the real world docs. Yeah the e-mail address is reddit, but only because 4chan was already taken, as was biz.

>>16106587
Post your hand with a timestamp Prati.

>>16106594

>>16106648
turn your hand over

>>16106648
Oh yeah that’s a brown hand. Pajeet don’t you have some paneer to make

>>16106651
He really doesn't need to, he's on a < $500 laptop shilling his super brilliant technique that magically makes you money, on /biz. Anyone retarded enough to actually believe this retarded shit deserves to lose money desu.

>>16106651
>>16106594
Is Mr. Singh and Mr. Patel satisfied

>>16106661
funny

>>16106669
laptop was not <$500... it was $800 retail which I paid $300 for from a girl on craigslist that I met (brand new).

>>16106687
You're really only making things worse for yourself. You're on a cheap as fuck laptop, with discarded water bottles laying around, with a $20 box fan in the pic. But yup, you're totally gonna make anons rich.

>>16106722
The water bottle is for a model I am building with SCANN3D. Again, laptop was originally not cheap, but I got a great deal on it. The "$20" fan you see is something I used to dropship which was my best selling item that I decided to get for myself before I stopped dropshipping. Not here to make people rich...

>>16106738
Wow dropshipping too huh? You've really tried just about every scam around huh?
> Not here to make people rich...
We know, you're here trying to shill your scam services, we're here to shitpost and laugh at you.

>>16106769
Dropshipping from Amazon to eBay actually made money with no money in. It was nice to see money in my PayPal each morning when waking up, but the sales died when eBay flagged my account (for dropshipping). Dropshipping wasn't my idea, it was a friend's which I refused to do for a couple of years. After experiencing it though, it wasn't as bad as I thought it would be.

If you're not going to add anything of value to the conversation other than calling out what I say to be a scam, then please provide proof or evidence of some sort. Also, as a side note, elementary reading and comprehension doesn't seem to be your forte, try taking a break between your shitposting and laughing, and spend some time being a less shitty person by learning how to handle your inability to tactfully communicate with others.

>>16106828
based

>>16106828
> Prove my scam is a scam beyond the obvious shit you already listed
> Despite the fact that I have not proven it's legitimacy in any shape or form beyond walls of text
> Just email me on my totally legit anonymous email service
> So I can screen you out, because you anon are the danger
> Which is why I'm here shilling to you
> My friend got me into that dropshipping scam!!
> ....the same one that got me into this new scam that allowed me to buy my super sweet $300 laptop

>>16106873
good night

>>16106769
cuck

>>16106687
>yt.txt
>tiny url
Fuck off 3rd worlder