Get 800 FICO

Lost $30M because of bad credits. I’d been a full-time real estate investor for twenty-three years prior to 2008, but failed to maintain an excellent credit for emergencies. I had no capital for backups and I had lost $30M during the Market Crash of 2008. After filing four company bankruptcies, I was chased by millions of dollars of liens, collections, credit card debts, and personal friend and family for money I owed. My personal credit tanked to bottom and I was virtually homeless and had no car to drive. After six years of dodging creditors and hiding in a foreign country, I came back to the states with my head down, feeling inferior to everyone. The only thing I had was deep determination to resuscitate my financial life. On June 25 2013, I went to buy a Toyota Prius (hybrid car to save gas because I couldn’t even afford gasoline) at a local Toyota dealership. The only terms I was qualified was to put down 20% and agreement to pay 39.99% APR. I could have walked into this same dealership six year prior and buy 20 cars in cash. I was EXTRA pissed at no one but myself! If it was not my family & friends allowing me to stay with them, I would have lived under the bridges. At that moment I realized I had hit bottom of the bottom. As I signed for that $21,738 car loan at the dealership, I was determined to face and deal with one thing that I had neglected for too long - credit. After returning home with the new car, my credit education obsession began. Four months into it with thousands of hours obsession I was able to have fixed my credits and I was lendable again. Seven years later (2020) I still able to continue maintaining my perfect credit scores. This excellent credit enabled me to buy our family home, paid off my family/friend loans, accumulated over $7 million of real estate again, and most importantly I now have access to over $300k credit lines. With oxygen you can survive but to thrive you will need excellent credit. Credit is fixable!