JT

[Vince Langman @LangmanVince]

The Chicago Bears Managed to stay in Chicago through the great depression, WWII, and the 2008 financial crisis!
But they couldn't survive these two incompetent Democratic leaders in Illinois and now they are moving to the red state of Indiana just a few miles down the road!

[Elon Musk @elonmusk]

Good analysis

[John Solomon @jsolomonReports]

Evidence mounts of noncitizens reaching voter rolls, casting ballots as DOJ speeds crackdown https://t.co/rx8jLF5bls

[Mike Lee @BasedMikeLee]

We’ve ruined it

We don’t need it

It’s harming us

Nuke the Zombie Filibuster from Hell

It’s just time

[JT @jtinmg]

@melefante6 START

[hunter @hxxntrr]

89% of American social security numbers have been exposed in data breaches

That means 9 out of 10 people reading this have had their SSN, name, date of birth, and address leaked onto the internet. And every single debt on your credit report was opened using that compromised information

This isn't a privacy problem. This is a credit repair weapon

Under FCRA Section 605B, if you are a victim of identity theft (and with 89% SSN exposure, the argument that ANY account on your file could be fraudulent is legally defensible), you can dispute accounts as potentially fraudulent and the bureau must block them within 4 business days

Not 30 days. 4 business days

The normal dispute process gives the bureau 30 days to investigate. The identity theft dispute process under 605B gives them 4 days to block the item from your report. The item stays blocked unless the furnisher can prove within a short window that the debt is legitimate and NOT the result of identity theft

The setup:

Step 1: go to identitytheft .gov (the FTC's official identity theft site). File an identity theft report. This is a federal document that carries legal weight. Filing takes 10 minutes

Step 2: go to haveibeenpwned .com. Enter your email. Screenshot every breach your information appears in. Equifax 2017. National Public Data. T-Mobile. AT&T. Whatever shows up. This is your supporting evidence that your personal data has been compromised

Step 3: freeze the shadow bureaus that feed verification data to the big 3. These are the back doors the bureaus use to verify disputed accounts:

LexisNexis: https://t.co/plsIShAhkB (free freeze)
SageStream: sagestream .com (free freeze)
Innovis: innovis .com (free freeze)
ARS: aborisk .com (free freeze)
ChexSystems: chexsystems .com (free freeze)

Freezing these BEFORE disputing is critical. When you dispute with Equifax, Equifax contacts LexisNexis to verify. If LexisNexis is frozen, the verification fails. Verification failure = deletion

Step 4: send a 605B dispute to each bureau with your identity theft report attached:

"I am a victim of identity theft. My SSN was exposed in the [Equifax / National Public Data / name the breach] data breach. I am disputing the following account as potentially fraudulent under FCRA Section 605B. Please block this item within 4 business days as required by federal law. Enclosed: FTC Identity Theft Report, breach notification evidence"

Step 5: the bureau must block the item within 4 business days OR provide written justification for why they believe the item is not the result of identity theft. Most furnishers cannot respond in 4 days. The block goes through

What falls off:

Collections from companies that bought bulk debt and have minimal documentation: 80%+ removal rate under 605B
Old charge-offs where the original creditor's records are sparse: 70%+
Medical collections (HIPAA adds an extra verification burden): 85%+
Accounts where the balance, date, or account number has ANY discrepancy from your records: 90%+

The difference between a regular dispute and a 605B dispute:

Regular FCRA 611 dispute: 30 days. Bureau sends an ACDV form. Furnisher clicks "verified." Item stays

605B identity theft dispute: 4 business days. Bureau must block the item unless the furnisher provides specific proof. Most furnishers can't produce documents in 4 days for a debt they bought for 3 cents on the dollar

A client with a 561 score had 6 collections totaling $34,000. We froze all shadow bureaus. Filed an FTC identity theft report citing the Equifax breach (his SSN was confirmed exposed). Sent 605B disputes on all 6 accounts

Results in 11 days: 5 of 6 accounts blocked. The 6th account was verified by the original creditor (a major bank with strong documentation). Score after the blocks: 688. We ran a standard 611 dispute on the surviving account with a different angle. Deleted in round 2. Final score: 721

561 to 721. In under 45 days. Using a law that 99% of credit repair companies don't touch because the identity theft report scares them

Your SSN has been leaked. That's a fact. The question is whether you use that fact to clean your credit or let the bureaus pretend your compromised data is perfectly reliable

They leaked your information and then used that same information to verify your debts. Make it make sense lmfaooo

(i fix credit in 30-90 days. link in bio)

[JT @jtinmg]

Cliff

[Gianna 🇺🇸 IRS Free Since 1999 @LegalFockery]

Did you know there is a tax rule that quietly raises your Medicare bill in retirement? It is called IRMAA.

Every dollar you pull out of your 401K raises your modified adjusted gross income.

One dollar over a threshold and your Medicare premiums jump.
Not gradually.
All at once.

Crossing a single IRMAA cliff can cost a couple $2,000 to $5,000 a year.
Per person.

Now look at the sequence.

You contributed to a 401K for 30 years.
The IRS forces you to take withdrawals at 73.

The withdrawals raise your income.
The higher income pushes you across the cliff.

The cliff raises your Medicare premiums.
The tax you thought you deferred comes back as a healthcare bill.

The 401K did not save you taxes. It rerouted them through a different door.
There is a way to hold your wealth that does not trigger any of this.

I teach it in my free class.
Comment the word CLIFF and I will send you the link.

[Benny Johnson @bennyjohnson]

Hey Chicago Bears Fans,

Your blood is about to boil reading this:

I just did some research. The state of Illinois has spent over $2.5 BILLION on free benefits for illegals last year.

At the same time Illinois Governor @JBPritzker was telling the Bears there’s “no money” for tax relief on a new stadium.

Let that sink in.

For $2.5 billion the state of Illinois could have PAID for a new stadium for the Chicago Bears.

Instead, they spent it paying for lavish benefits for aliens, while running a $3 billion deficit and losing a franchise they've had for over 100 years.

This is what Democrat priorities look like. They hate you and will destroy your state for power.

[JT @jtinmg]

"credit"

[hunter @hxxntrr]

There's a free 5-minute IRS form that banks treat like a second financial identity.

With a clean 720 score, that file can get $250,000+ at 0% interest.

Most people beg for loans at 12% because nobody showed them the other door.

I made the full $250K funding board public.

Like + comment "credit" and i'll send it to you for free (must rt, and be following)

[hunter @hxxntrr]

There's a free 5-minute IRS form that banks treat like a second financial identity.

With a clean 720 score, that file can get $250,000+ at 0% interest.

Most people beg for loans at 12% because nobody showed them the other door.

I made the full $250K funding board public.

Like + comment "credit" and i'll send it to you for free (must rt, and be following)

[JT @jtinmg]

SMB

[Ben Kelly @benkellyone]

If you want to learn exactly how you can purchase your first small business with little to no money down...

DM me "SMB"

I'll take you through my step-by-step strategy to help you acquire a lucrative business.

[JT @jtinmg]

"Biz"

[Ben Kelly @benkellyone]

If you want to learn exactly how you can purchase your first small business with little to no money down...

DM me "SMB"

I'll take you through my step-by-step strategy to help you acquire a lucrative business.

[Ben Kelly @benkellyone]

If you want to learn exactly how you can purchase your first small business with little to no money down...

DM me "SMB"

I'll take you through my step-by-step strategy to help you acquire a lucrative business.

[JT @jtinmg]

"funding"

[hunter @hxxntrr]

There are 2 different prices American banks will give you for the exact same credit card

Online price: $25,000 in credit
Tuesday morning walk-in price: $60,000

Same person. Same credit score. Same income. Same product

$35,000 difference for showing up in a building

Branch managers have approval authority that doesn't exist in the online underwriting system. Every major issuer (Chase, Amex, BoA, Wells Fargo, Citi, PNC, US Bank) gives senior bankers a discretionary approval window that ranges from $20K to $80K above what the algorithm spits out

The algorithm gives you the floor. The banker gives you the ceiling

Why this exists:

Branch banking is a relationship business. Banks invest 6 figures per branch in real estate, staffing, and operations. They want walk-in customers because walk-ins become deposit account holders, mortgage borrowers, wealth management clients, and small business owners who run 5-15 products with the same bank over a 20-year relationship

The online application is a transactional product. The branch is a relationship product. Banks price these products differently because the lifetime value is different

What the branch can do that the website can't:

Manual underwriter override on declined applications. About 30-40% of online declines can be reversed in person within the first 30 days if you walk in and ask for reconsideration with a relationship banker

Larger initial credit limits. Chase Ink Business Cash online algorithm caps at $15K-$35K. Branch banker can manually approve $50K-$75K with proper documentation

Same-day funding. Online business card takes 7-14 business days to mail. Branch issues a temporary card and funds available within 4 hours

Fee waivers and rate exceptions on existing accounts. Branch can waive annual fees, lower APR, refund overdrafts, and extend introductory APR periods that the call center physically cannot

The Tuesday walk-in script:

Call the branch Monday afternoon. Ask for the small business banker or relationship manager. Schedule a Tuesday morning appointment. Tuesday is the second-lowest traffic day at most branches and bankers have time and approval bandwidth

Walk in with: your LLC operating agreement, EIN confirmation letter, last 3 months of business bank statements (even with low balances), and a 1-page business overview

Open the conversation: "I'm starting a banking relationship with [bank name] for my business. I currently bank with [competitor]. I'd like to consolidate my business accounts here and apply for the business credit products you offer. What's the best way to structure this?"

You just told the banker three things at once:
You're moving deposits to them
You're applying for credit
You want a full relationship, not a single product

That conversation triggers the relationship banker pricing window. Your application gets routed through manual underwriting instead of the algorithm. Your credit limit is set by a human banker who is incentivized to approve higher to capture the deposit relationship

A client ran this loop across 5 Chicago branches one Tuesday last month. Started at 9am. Done by 1pm

Chase: $58K. BoA: $42K. PNC: $28K. US Bank: $35K. Wells Fargo: $23K

$186,000 total. Same FICO. Same revenue numbers reported on every application. 4-hour window

The online applications for the same products on the same morning would have netted him roughly $90,000. He got $96,000 in extra approval just by showing up in person

This is unwritten policy at every bank. The branch network exists to do exactly this. Banks pay $80K-$200K a year to staff each branch precisely because walk-in customers convert at higher rates and become more profitable over time

If you bank exclusively online, you're paying the algorithm price for products the bank sells at the branch price to people who show up

dm me "funding" and i'll show you how you can qualify for up to 250k in 0% APR funding (if you have a 700+)

[General Mike Flynn @GenFlynn]

Congress needs to pass the SAVE America Act!
@LeaderJohnThune
@SpeakerJohnson

[kanneh @KrisKanneh]

Highest gas tax in the entire country.
The entire country now will see what you’re doing
@GovPritzker

[Morning Answer @MorningAnswer]

Yes - the current gas tax in Illinois, $0.66/gallon, increases every July 1st. The increase in the gas tax is tied to inflation. @JBPritzker did this during his first term in 2019.

[Mike Lee @BasedMikeLee]

Every Senate Democrat just voted against a simple Voter ID requirement—a scaled-down version of SAVE America without the citizenship-verification measures

Why?

What do they have against requiring voters to prove who they are with a government-issued, photo ID on Election Day?

[Laura Loomer @LauraLoomer]

Netflix @netflix Board Member Susan Rice @AmbassadorRice says corporations who took a "knee to Trump" will face an "accountability agenda" from elected Democrats if they win the midterms in 2026 and the 2028 Presidential election.

Does Netflix stand by their Board Member threatening half of the country with weaponized government and political retribution for choosing who they wanted to vote for as President?

This is as anti-American as it gets, and Netflix is proving everyday they are an anti-American, WOKE company.

Rice is basically openly saying that Democrats will go after anyone and everyone who supported President Trump, embracing weaponized lawfare against potentially millions of Americans.

Making this more horrifying is the fact that if the Netflix-Warner Bros. merger is approved, positive messaging of the Democrats' upcoming witch hunts against Trump from Barack Hussein Obama @BarackObama and his anti-White racist wife Michelle @MichelleObama would likely be blasted across all streaming services as the Obamas' Higher Ground Productions continues to grow within Netflix.

The Netflix-Warner Bros. merger would result in a streaming monopoly, which the Obamas will have a significant stake in.

President Trump @POTUS must kill the Netflix-Warner Bros. merger now. @BrendanCarrFCC

Read my report from January here:

https://t.co/JnSZ4vfPGw