This $200 NAVY FEDERAL Secured Card Hack Gets ANYBODY $25k FAST!

Added: 2026-05-05

[00:00:00]People are lying to you about bad credit, okay? And I'm going to tell you how they're lying to you because they're telling you don't worry about fixing your credit. Credit doesn't mean anything, right? At the same time, guess what they're doing? They're fixing their credit, all right? Now, why they're fixing their credit and they're telling you not to fix your credit? Cuz number one, they're more likely are trying to get a higher paying job. That's number one. Number two, they're trying to take advantage of the banks dumping foreclosures on the market so that they can have an opportunity to get a foreclosure real cheap, okay? That's number two. Number three, they may be trying to move to a better place, all right? Now, number four is in terms of loans, all right? They're trying to position themselves so they can either get a business loan, a 0% credit cards, or personal loans with a cheaper interest rate, all right?

[00:01:03]So, they're discouraging you to fix to not fix your credit. And if you are over the age of 25 and you're walking around with a three, four, or 500 credit score, I'm telling you, you're missing out on those opportunities because you're listening to these people that don't want you to get ahead. I'mma break this down for you and give you the best hack you can actually do for yourself in order to posit in order to position yourself to be able to take advantage of these opportunities, plus get up to $25,000 in funding within the next 6 months, all right? Now, the first thing you want to do is you want to use a secured credit card. However, you do not want to use any type of secured credit card. And I'll tell you why. You do not want to use a chime, okay? You do not want to use um any of those type of credit cards. And then here's the reason why.

[00:02:08]When banks see those type of accounts on your credit file, that's telling them you do not know how to manage money, you do not know how to manage credit. The best thing you can do is actually go to a credit union, okay? A credit union or bank. And the reason why because this is going to give you multiple trade lines, okay? That's the reason why. So, let's look at Navy Federal. Most people know if you can get into a Navy Federal, then you should get their secured credit card and you should get their secured pledge loan, right? Now, with the secured credit card, I tell you you only want to use no more than 20%. Usually, I tell people 10%. Now, people are confused because most people say use 30%.

[00:03:09]Do not use 30% of that card if you can avoid it, all right? If you have $200 laying around, do the secured card, use only 20% max, okay? For 6 months and make sure you pay it off every time before the closing statement date, all right? Now, this is just for Navy Federal cuz I'm going to tell you the other two creditors in a minute. When you get that pledge loan as well, make sure you only use 20%, okay? And make sure whatever you use, you pay it off, all right? Now, most people will do the pledge loan hack and yes, it does work, right? Where you put a certain amount down, then you pay off up to 80-90% and then over the next 24 months, you set it up on a regular monthly payment plan, all right? Do not pay that off, okay? You keep it on a 24 month. Do not do 12 months, all right?

[00:04:12]Most people make that mistake and they end up closing out because here's the thing about it. If it's too small of amount, guess what? Navy Federal will close it out on its own, right? They'll close They'll take the hit and close it out on its own and then it'll screw your credit up. So, that's the reason why I'm telling you you have to be very careful with that hack. Now, making sure because this is your internal score that's going to leverage you, making sure you have direct deposit if you can, making sure that you have a a flagship checking account and a savings account, okay? And if you're able to do a CD or money market account, great, okay? Now, here's the reason why your internal score matters, okay? And the longer the relationship, the lower the credit score, the higher the opportunity is to get more money.

[00:05:13]Now, that was the first two trade lines, the secured credit card pledge loan from Navy Federal. Then, you want to go over to United Nations Federal Credit Union.

[00:05:27]The reason is is because they offer a secured loan as well. Now, the best part about their secured loans is that they allow you up to 150% utilization, okay? Now, the reason I'm telling you to build your credit file up like this is because the more negative accounts you have on it, you need to add positive, all right? Now, going back to the United Nations, if you put $500 down, you're allowed to use up to $750, okay? That's the reason why they are so strong. Now, the third one is US Bank.

[00:06:14]One of their secured cards. Now, with US Bank, their secured card They offered a secured loans as well. Their secured cards, okay?

[00:06:23]are Excuse me, $300, okay? So, their secured cards are $300. Again, you only want to use 20%. You want to open up a checking and savings and that secured card, all right? Now, with US Bank, usually their secured cards may take longer than 6 months. That's okay.

[00:06:49]That's okay. And I'mma tell you the reason why. You only want to be in their database because what you're going to do, you're going to backdoor them, all right? And the way you're going to backdoor them, once you start building that relationship, once your credit score starts to going up, you're going to go to their sister company, Elan Financial, okay? And so their sister company will give you higher limits because you already have a relationship with US Bank, all right? Now, here's what you're going to do.

[00:07:28]Those credit unions that I mentioned, they use TransUnion.

[00:07:34]What you're going to do is go over to Credit Karma.

[00:07:39]You're going to dispute all of the negative items on your Credit Karma, on your TransUnion and your Equifax. This is the code you're going to use. You're going to use 1681E.

[00:07:57]This code is going to tell them you do not recognize these accounts on your credit file, okay? Once you dispute the accounts like that, what ends up happening within 48 to 72 hours, they're going to remove these negative accounts off your credit file, all right? Now, this more likely going to be temporarily, all right? However, you're going to see a jump in your credit score. Now, here's why you want to do that.

[00:08:33]Because once your credit score jumps up and it should jump up over 640, 680, some something like that, then, okay? Keeping it there for at least 6 months and doing the 20% 20% utilization and you have new positive accounts, plus what you want to do is add authorized users. Now, here's the thing about it. US Bank won't recognize an authorized user. That's okay. However, Elan Financial will hold it against you. Now, I take that back.

[00:09:16]US Bank will recognize an authorized user. However, it has to be an internal authorized user. So, it has to be a US Bank authorized user, all right? That's the type of authorized users. We always try to match match the authorized user with the bank. A lot of people are just go get any type of authorized user and assuming that it's going to work. Not all financial institutions uh leverage or recognize authorized user. It has to be with their own bank.

[00:09:48]That's the reason even with American Express, okay? That's the reason also I told you, even with the American Express part, and most people don't even know that you can actually get American Express Platinum with a 660 credit score. That's right. So, you don't even have to have perfect credit to have to get American Express Platinum card. All right?

[00:10:12]Again, it's all about the strategy. So, these people that are telling you, "Oh, don't fix your credit. Don't worry about your credit." These people are seriously behind your back rebuilding their credit.

[00:10:28]Now, the reason, again, they're looking at, "Well, what if I What if something happens? I end up in the hospital. I can't pay my bill."

[00:10:39]And you don't have any credit. Your credit bad. You can't leverage anything.

[00:10:43]Okay?

[00:10:44]What if your car breaks down and you have bad credit? Guess what? You can't leverage anything.

[00:10:50]So, this is the reason why I'm telling you, when these people tell you, "Hey, don't fix your credit. Don't worry about your credit. It ain't that important."

[00:10:59]They're lying to you.

[00:11:01]Because they're the ones going behind your back. They're fixing their credit so that they can take advantage of those opportunities and leave you behind.

[00:11:11]That's the reason why I'm always telling you guys about some of the best loans when you have those um buy now, pay day, pay later loans. And I tell you all to go get a loan that actually doesn't report to your credit and use it to pay off those buy now, pay later loans. The reason is because that's going to lower your DTI. That's going to lower your exposure. Plus, it's going to increase your credit score as well.

[00:11:41]If you're over the age of 25 and you're walking around with a 3, 4, 500 credit score and people telling you, "Don't uh worry about it." Again, they're positioning themselves to do better than you. All right? So, I hope this video helps you.

[00:11:58]If you have any question about business credit funding, personal credit funding, removing negative items off the credit, click the link in the description.

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[00:12:07]Thank you.