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You don't have to spend any money to get perfect credit if you just open a fuck ton of accounts and never touch any of them and wait six months. I thought they said. Nah, you don't even have to take the loan out. You just go open six credit cards at the base level and pay $20 to $30 to get each one of them open. The little yearly fee is $25. Yup, and you just never spend them. And then in six months you got an 850 credit score. You can take that 850 credit score, go start an LLC for about $150 in paperwork and go get a 50 to 100k fucking business loan on zero credit, zero APR. Yes. And ain't even got no money. You didn't spend any a dime doing any of it, although like 30, 40 bucks to get the cards. The thing about that, he just put me in the game. They tell you not to do it.