Your 720 credit score is worth $250,000
not joking btw
Right now. Chase, Amex, and US Bank will approve you for up to $250,000 in 0% business credit if you apply in the right order
Most people with a 720 are using it to get a slightly better rate on a car loan
The people who know what a 720 unlocks are funding entire businesses on bank money at zero interest
Here's the exact value of your score in dollars:
Below 680: 30K-80K. Limited banks. Shorter 0% windows
680-720: 80K-150K. Most major banks approve
720-760: 150K-250K. Maximum limits. Longest windows
760+: $250K and up. Banks compete for you
Going from a 680 to a 760 is $170,000 in extra capital at 0%
Most people treat their score like a report card. Business owners treat it like a borrowing capacity number. A dollar amount sitting at specific banks, waiting for a specific sequence of applications
30 days before you apply:
1. LLC on your state's website, 50-300. EIN at irs. gov, free
2. Business checking at the banks you're applying to. A few hundred dollars in each, money moving in and out
3. Personal cards paid under 10% of the limit BEFORE the statement cuts. The bank scores what got reported
4. Zero new applications. Car loan, store card, nothing
The sequence:
Week 1: Amex first. Always. Existing cardholders usually skip the hard pull. Blue Business Plus and Blue Business Cash
Week 2: Chase. Ink Unlimited and Ink Cash. Your file is still clean because Amex barely touched it
Week 3: US Bank, Wells Fargo, PNC. Different banks pull different bureaus, so each one sees a clean file
150K-250K in 3 weeks. 0% for 12 months. Chase and Amex keep it off your personal credit report
If you get denied, call the reconsideration line the same day. A human can approve what the computer declined
Once the cards arrive:
Autopay the minimum on every card
Every 0% end date in your calendar with a 60 day warning
Never touch the cash advance button. Full interest from the first second
Spend on things that make money first. Inventory, equipment, ads you can measure
Rent or a vendor who won't take cards goes through a payment platform for about 2.9%
Month 10: anything left moves to a fresh 0% card at a bank you haven't used
Compare that to:
Bank loan at 10% on $250K: $25,000 a year in interest
MCA on $250K: six figures in fees
An investor: 15% of your company forever
The bank is betting you forget month 12 and start paying 24%. Most people do
Your 720 has been sitting there the whole time
You just didn't know what it was worth
(we build the full stack. bank order, bureau mapping, application timing. 700+ score required, 100K-250K at 0%. under 700, we fix the file first in 30-90 days. link in bio)
$AFRM
My top trade idea for next week. After a near 50% retracement from November highs, stock is starting to wedge quite nicely here. Look for a move over $105 to begin the rally phase.
Targets $125 to $130
I am fighting for a fair market.
Example: $CRTX loses 70% of its value on its missed Alzheimer's test.
Of course, people knew.
$2M worth of $CRTX $20 strike put option contracts BEFORE the news by a floor trader two weeks ago.
How blatant.
Link: https://t.co/RVcBlLNrpe
@ZealTrading Technicals don’t matter sometimes, other external factors will play a bigger force “example market makers forcing the stock down to stop loss hunt. High share float
This morning's @unusual_whales Unusual Blog looks at sentiment and flow for $FCEL before and after a long weekend of chatter and hype.
This goes to show that Social Media tracking holds significant importance for retail traders in this market.
https://t.co/S6Wete9FJS
Volume and OI are both important indicators.
Volume > OI can be bearish or bullish depending on whether they were bought to open or sell.
better indicator is to look at net premium.
+ve net prem indicate buying.
very broad topic with lot of nuances, easy to make mistakes
I'm a little late for this Mr. Whale, but here are the secrets to making money with stock purchases from the whale indicator:
-500,000 average volume
-stock needs to maintain strength thru the day
-LOW FLOAT, UNDER 10 MIL
Picking the stocks with these restrictions will almost
An interesting article by @TigerWolfCap on https://t.co/iHCIHmwud6
He discusses the filters he uses to determine unusual trades with consistent profits.
Give it a read: https://t.co/M4LoP8aB4l
🚨TRULY BREAKING NEWS🚨
Citadel is playing $GME options.
Their recent 13F shows $GME puts with 2,779,800 shares for $595,266,000 & $GME calls for $460,080,000.
Options have many uses, including synthetic shares.
It’s possible this was done with the disclosed options.
I report on a lot of politicians. But Pelosi's trading is, well, unusual.
How good is she?
Her recent active 2021 returns:
- Avg stock return: 27%
- Avg options: 29%
She beat $SPY 2021 returns at 20%.
She beat the market.
Link: https://t.co/C9QIxl0ikn
🚨BREAKING NEWS🚨
During the congressional hearings, Citadel CEO Ken Griffin was asked if be spoke with Vlad from $HOOD. He said he did not.
This was a lie, with new leaked documents from Robinhood.