John Song

teaching you everything about credit and making money online with it

[John Song @Jsongonline]

@Neverlate2start https://t.co/Go4vathF8g

[John Song @Jsongonline]

You can run a $50k/month credit business where a $3/hour VA does literally all of the work

I'll probably regret breaking this down but whatever

The business is two products. Credit repair at $1,250 one-time. Funding consulting at 10% of whatever lands, average fee $8,000.

They feed each other btw. Everyone who fails funding qualification becomes a repair client. 90 days later they're fundable and pay you again.

Now the automation part, because this is where people don't believe me:

The credit side is 100% procedural. You dispute everything and demand "method of verification." Collectors bought the debt in bundles for pennies and the paperwork never came with it. They legally can't verify what they don't have. Unverified in 30 days = deleted by law.

A VA from the Philippines runs every single dispute for $3-5/hour. i haven't touched one in years. That side alone does $20-25k months.

The funding side is a checklist, not a talent. 700 score, $10k in limits, right industry on the application, submit through a banker instead of the website. 1-4 weeks per client then you're DONE. No retainer. No month 4 crybaby call.

"ok but where do clients come from"

Other people's greed. Tax guys and realtors send them for 20% of my fee. $1,600 per email means they hunt deals for me while i sleep. Funded clients refer 1-6 more each because this industry is so scammy that one real result spreads like gossip.

Zero ads. Ever.

4-5 fundings + repair volume = $50k months at 75-80% margins.

i used to run a $3M Amazon operation that left me $75,000 in debt and a living room full of salt.

Same guy. Different machine.

Run the numbers

[John Song @Jsongonline]

If you have a kid, a little brother, or a blank credit report, this is worth more than a college class and i'm giving it away today

We took an 18-year-old from ZERO, empty credit file, no authorized users, no help, to $10,000 in approved limits in 90 days. On his first two applications ever.

Then i filmed the entire method. Every step, every bank, every date. It's the process i charge $1,000 for and the video is free because gatekeeping credit knowledge is how the $99/month repair mills stay rich.

What's inside:

the Navy Federal pledge loan trick that builds perfect loan history using your OWN money (you get 95-99% of it back)

the exact 2.5-month timeline, because doing the right steps in the wrong order is why people stay at $500 limits

the TransUnion freeze move that captures a $5,000 Apple Card approval with no hard inquiry

why you WAIT for card one to report before touching Chase (they approve what they can compare)

the Navy Federal relationship stack that turns a 3-month-old file into $10-25k pre-approvals

An 18-year-old with $10k in limits today has $50-150k in 0% business funding available by his mid-20s. That's not a credit score, that's a launch pad. i scaled my first business to $1M/year off business credit and i started building mine a decade too late.

Like + comment "90" and i'll DM you the full video

(must be following)

[John Song @Jsongonline]

@Neverlate2start Yes the VA does all of the disputes and funding fulfillment and we give them an SOP of course so they do it correctly

[John Song @Jsongonline]

@LydiaTrill It’s the best card and comes with no annual fee. It’s a must have card for every person that pays rent imo.

[John Song @Jsongonline]

Rich people are in debt on purpose and your broke uncle pays cash for everything and somehow you're taking financial advice from the uncle

Watch what each one actually does:

The rich guy borrows against everything he owns. Stock, property, the business. Why? Borrowed money isn't income so it's not taxed, and cheap borrowed money means his own cash stays invested, compounding, untouched.

Your uncle pays cash out of fear. Builds no credit file doing it. Then the one time he needs capital, the bank looks at his thin file and quotes him 29%, and he walks out saying "see, banks are a scam" to the grandkids.

The system pays people who borrow well and taxes people who borrow scared

And here's what neither of them knows. The rich guy's move is available at regular-person scale. It's called business credit:

700 score + $10k in existing limits = $50-150k at 0% interest for 12-18 months. Revenue not required. The LLC can be weeks old. Banks approve it happily because business lending feeds their federal quotas.

12-18 months of someone else's money, at zero cost, to build something that cashflows. Clear it before the window shuts and the bank collected NOTHING.

i funded a $3,000,000 Amazon operation this exact way at 24 with no finance background. The store died, different story, but the capital machine never once failed me. It was the only part of that business that always worked.

Now people pay me 10% to run them through it and the wildest part of the job is meeting people with 750 scores who have no idea they're holding $100k+ of approvals

Your uncle means well

He's just been describing the inside of his own fear for 30 years and calling it advice

[John Song @Jsongonline]

"isn't the credit business saturated" might be my favorite question because the math is genuinely funny

The market: 100 million Americans with cooked credit. 33 million small businesses, all of them needing capital eventually, most getting denied at the first desk and concluding banks hate them personally.

The competition: $99/month subscription mills mailing one template letter per cycle, slowly, ON PURPOSE, because your problem persisting is their whole revenue model. They've spent 20 years teaching America that credit repair is a scam.

You understand what that means right?

The "competitors" spent two decades poisoning the well FOR me. Now one real result spreads through a family group chat like a death announcement. My funded clients refer 1-6 people each, unprompted. The repair side hit $20-25k months on zero ads and zero viral posts. The distrust does my marketing.

And the saturation math for the people who need numbers:

If every one of my 100+ students ran 3 clients a month forever, that's ~300 deals monthly against 33 MILLION businesses. We'd collectively touch 0.01% of the market per year. The pie can't even feel us eating.

Meanwhile 45,000 people uploaded the same faceless AI video today. Every product on AliExpress has 400 mfs "testing" it this week. Everyone with a ring light is a coach now.

Nobody fights over this business because it sounds boring and fake

Boring and fake is the moat

Honestly the funniest part is the window isn't even closing. The $99 mills are still out there right now, charging monthly, doing my advertising for me

[John Song @Jsongonline]

@omorapala_ Dm me

[John Song @Jsongonline]

Met a guy making $75k a month

With the most boring business i've ever heard

He finds business owners who got denied by their bank

Resubmits the same application through a different department of the same bank

They get approved for $50-80k at 0%

He charges 10% after the money lands

Takes 1-4 weeks per client

Then they refer him 1-6 more people

A VA runs his other service line entirely

He works from a couch

The guy is me. eleven months earlier i was $75,000 in debt with 6,000 bags of banned Amazon salt stacked in my apartment, which is the least boring my life has ever been, and i do not recommend it.

the boring version works because the denied application was never wrong. commercial lending wants 2 years of tax returns. business credit, same bank, underwrites the person instead: 700 score, $10k in limits, revenue not asked. the client isn't unfundable, he's misfiled.

$3,000 from the website. $52,000 through a banker. the gap is the fee.

boring also survives. the exciting businesses i ran had dashboards and disasters, $3M of revenue and negative $75k of outcome, platforms that owned my listings and lawsuits i didn't earn.

boring has no inventory, no algorithm, no landlord, no ban button.

Inspiring

[John Song @Jsongonline]

@StealthQE4 luckily there are still a ton of other banks lending out money right now at 0% interest (business credit cards)

you just need to do your due diligence and not rely on amex

[John Song @Jsongonline]

@ClownWorld you're stupid as hell if you take a 28% apr auto loan lmao.. not even used car dealerships hit you with that much

[John Song @Jsongonline]

@GwalaMaybe @PhlyEagles215 @SKINNY314 makes no sense. why wouldnt you use credit cards for purchases you make anyways and then pay it off with the cash you would have originally paid for it with..

its stupid to use credit cards to buy shit you cant afford in cash 100%
its also stupid to pass up on free points lol

[John Song @Jsongonline]

@treeonchain not if you know what you're doing with credit cards..

its allowed me to access business capital at 0% interest without having to have investors
and generate enough credit card points from my business expenses to get free flights and hotels for the last 5 years

[John Song @Jsongonline]

@JabLaySports @SKINNY314 not if you know what you're doing..

its allowed me to access business capital at 0% interest without having to have investors
and generate enough credit card points from my business expenses to get free flights and hotels for the last 5 years

[John Song @Jsongonline]

@alittleyareli not if you know what you're doing..

its allowed me to access business capital at 0% interest without having to have investors
and generate enough credit card points from my business expenses to get free flights and hotels for the last 5 years

[John Song @Jsongonline]

@MonsieurWanii Hire them online through certain websites / referrals of existing VAs. We like to hire family members of existing employees currently.

[John Song @Jsongonline]

Credit + funding is the easiest business of 2026 and mfs are still doing dropshipping

Let me just line the two up:

Starting a credit business costs $0. SmartCredit is free to start. Square is free until money moves. You don't even need the LLC for deal one.

Dropshipping wants $1,200-4,600 in ad spend before Meta tells you if your product is ass. Amazon wants $8,400 of inventory upfront. Airbnb wants first, last, and a Wayfair haul.

Every one of them charges you BEFORE you find out if it works. This one charges nothing.

Then there's the demand side. 100 million Americans have cooked credit. Every business owner alive needs capital. You're not creating desire like some goon testing creatives at 2am. These people are already denied, already searching, already mad.

And the sales part is genuinely unfair:

The fee is 10% collected AFTER their money lands. "Pay me out of the $60,000 i just got you" has no counterargument. Nobody who just received $60,000 argues about $6,000.

"so why isn't everyone doing it"

Because the moat is that it sounds fake. Which desk underwrites the person vs the business. Why "consulting" gets approved and "real estate investing" gets auto-declined. Why a banker lands $52,000 where the website quotes $3,000. Takes a couple months to learn and everyone scrolls past it to go buy another dropshipping course.

You need 1-3 clients a month. Not 20. My January was $50,000 off FOUR.

And nothing can ban you. No listing, no account, no algorithm. i paid $75,000 and 6,000 bags of salt to learn why that line is the whole list.

Easiest business of 2026. Someone in your city is reading this too

[John Song @Jsongonline]

@Firstname12224 @SKINNY314 Haven’t spent a single dollar on interest 😂 and have over 700k points currently.

Do your research and learn the game buddy.

[John Song @Jsongonline]

@yimikaaaa from my experience, focusing on 1 thing tends to bring the most results/growth/money. trying to do too much and you make money in all of em but never master a single avenue

[John Song @Jsongonline]

@jeremyct or she could pay PMI and get into a house with the $46k she has... lmao. she can get into a house with 3.5% down then refinance down the line to get rid of the PMI

[John Song @Jsongonline]

@SKINNY314 idk why people be tripping on the system putting them into "debt" when they can learn the system, not spend money they dont have and then learn how to get free flights/benefits.

[John Song @Jsongonline]

@yannaajaay the problem is even if you pay them people.. they dont want to remove the negative item so now you gotta pay again instead of just paying to fix credit