Formula 850

06/24/2026

I’m filming this from Medellín, Colombia — but this is for everybody back home in New York, New Jersey, and Connecticut who keeps getting turned away at dealerships.

I was you. Over 60 times.

Here’s what changed everything:
1️⃣ Never go to the dealership without a check.
Get pre-approved through a credit union BEFORE you step on the lot. No check = no leverage.

2️⃣ Always build credit union partnerships.
Credit unions approve who banks won’t. Build that relationship before you need it.

3️⃣ Your score matters less than your history.
Lenders look at patterns — not just a number. Late payments and collections tell a story.

4️⃣ Settle before collections hit.
Once it goes to collections your options shrink and your cost goes up. Handle it early.

5️⃣ Learn the formula to buying vehicles.
There is a process. Most people skip it and keep getting denied.

6️⃣ Know the difference between internal and external score systems.
What Credit Karma shows you is NOT what the dealer sees. Two different numbers.

7️⃣ Know your MYFICO Auto Score.
Not VantageScore. Not your free app score. The MYFICO auto score is what lenders pull.
60 no’s taught me everything a yes never would have.

📲 Send this to someone in the tristate area who needs a vehicle and keeps getting turned down. You might change their life today.

Connecticut TristateArea AutoLoans CreditUnion MYFICO CreditIsTheDoor Formula850Max

06/16/2026

Nobody tells you this after a repo.

The same company that took your car could be violating federal law RIGHT NOW — and you could be entitled to up to $2,500 in damages because of it.

I put together a free guide breaking down exactly how these companies get fined and how you collect when your rights are violated.

Do me a favor — share this with someone who’s been through a repo.

Drop “REPO” in the comments and I’ll send it to you directly.

Follow for more content they don’t want you to see. 👀

06/11/2026

Most people use credit to buy liabilities.

Some people use credit to buy income.

A vehicle, trailer, pressure washer, cleaning equipment, or detailing setup can become an asset when it produces cash flow.

The goal isn’t to borrow money. The goal is to use leverage to acquire something that pays you back.

Which business would you start with?

Dm “FUNDING” if you’d like me to review your business and see what financing options may be available.

06/02/2026

Porsche. SRT Challenger. Wrangler Rubicon. Hellcat. Mercedes-Benz. Lexus. Maxima.

Every one of these came from preparation — not luck, not co-signers, not hacks.

They knew what lenders wanted before they ever walked in.

I’m opening 10 founding spots in my Total Vehicle Program at $1,499 before it goes to $2,499.

Not ready yet? Start with a $97 strategy consultation — 30 minutes, your exact path, and the $97 goes toward any program you choose.

📱 Text CONSULT to 908-257-8141 Or DM

DM your score — I respond to every one.

creditscores formula850 mercedesbenz porsche challenger

05/27/2026

Everybody wants the luxury car, but most people skip the financial steps that help qualify for it.

$30K approvals → $40K approvals → $60K approvals → $80K+ approvals usually come from building stronger credit, income stability, and successful payment history over time.

Lenders look at more than credit scores. They evaluate debt, income, previous auto history, utilization, and overall risk.

The stronger the profile, the easier it becomes to qualify for higher approvals with better terms and lower money down. 😉

05/25/2026

If you’ve ever felt stuck in a car payment, DM the word ‘CAR.’ I’m breaking this whole thing down this month.”

05/20/2026

Most people don’t realize that certain financing accounts can affect future approvals for high-limit credit cards, auto loans, mortgages, and business funding.

Tip: Before opening an account with Affirm or similar financing apps, understand whether that specific payment plan reports to the credit bureaus. If you’re planning to apply for a major bank-issued loan or credit card, it’s smarter to avoid opening new financing accounts within the previous 6 months whenever possible.

Banks pay attention to:

* recent accounts
* debt obligations
* payment behavior
* overall financial stability

Use credit to position yourself for larger opportunities — not just short-term purchases.

creditscore financialliteracy businessfunding wealthbuilding credittips

05/06/2026