👋 Hi, I'm Erik, and I am a licensed real estate broker in Washington State any consult nationwide with owners of difficult-to-sell, no equity, and bad houses. 📍 Location: Camano Island, WA 💳 Current Credit Situation: rebuilding, was in the 630 area but sank to mid-500s and is a sub-600 now but improving. 🎯 Main Goal: Rehabilitate my credit and eventually get $50K–$250K+ in funding 🚀 What I'm Working On: Getting my personal credit in shape for supporting business funding. On a professional level, I help real estate brokers save listings that aren't selling and homeowners who want to sell but their house isn't moving--so neither are they. 💬 Looking forward to connecting. 206|999|4335 text with questions!

There are a lot of things people get wrong about earning credit card points. Some people obsess over welcome bonuses. Others think cashback beats points every time. And then there are the people who believe all business cards are basically the same. I don't agree with any of that. There is one card, however, that I think is in a league of its own if you're spending serious money on advertising. The Amex Gold. For a long time, it feels like a cheat code. Every dollar you put into ads keeps stacking points, month after month, and it's easy to think that's just how it's always works. Until it doesn't. What almost nobody realizes is that Amex quietly caps the 4x earning rate after $150,000 in eligible spend. From that point on, you're earning 1x. No announcement. No celebration that you hit the milestone. Just a fraction of the rewards you were getting before. Most advertisers assume that's where the game ends. It isn't. It's where the game changes. Once you understand how people who spend millions on ads think about their credit strategy, you realize there are ways to keep maximizing rewards long after you've hit the cap. It's not something Amex advertises, and it's definitely not something most business owners know. But if you're spending enough to run into that ceiling, it's worth knowing before you leave thousands of dollars in points on the table. Something to think about, David R.

I'm genuinely curious because I'm trying to understand something. Out of everyone who commented that they wanted access to the Credit Repair AI, only one person scheduled a call. I'm not saying that to call anyone out. I'm saying it because I feel like there's a disconnect somewhere, and I'd rather figure it out than keep guessing. If you said you were interested but never booked, what stopped you? Did the process seem confusing? Did you think it was a sales call? Did life get in the way? Or did you just lose interest? I'm asking because this genuinely helps people, and if there's something I can change that makes it easier for the right people to take that first step, I want to know. I'd rather fix the problem than keep assuming I know what it is. If you're someone who's been commenting, engaging with the posts, showing up to the lives, and actually trying to improve your situation, send me a message. I know who those people are because I see you consistently showing up, and I'm more than happy to invest my time in helping people who are willing to invest in themselves. That's why I built this in the first place.

Every hard inquiry is a limited resource. Once it’s burned, you don’t get it back. If you don’t know: - which bureau a bank pulls - who the underwriter is - or when they start asking for revenue docs Then every application is a guess. And guessing with credit is gambling. The fundamentals exist so you don’t learn this the hard way. Watch the Credit Stacking Basics before applying: https://www.skool.com/tradelinesecrets/classroom/a39e0661?md=c885851c991b4ccfaa180df5f2bd056b P.S. - If this post made you slow down, comment “DON’T COOK ME.”

Here’s what to do next: 1. Watch the video below 2. Start the free business funding course here 3. Learn how to build a funding-ready profile with AI 4. Ready to fund yourself? Click here Have fun! /Killa Whale Ramirez 🫍 (@David Ramirez NMLS # 2507482) PS: Want my personal help in the DM's to get started? Comment "ORCA" below QUESTION: Are you pumped to be here?