PRBE Capital

Credit.
Funding.
Business.

Baruch Mackliff

1

Four levels

0

What is credit?

1

See the report

2

Framework

3

Amplifying / funding

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0Basics 1Report 2Framework 3Funding

What is
credit?

Baruch Mackliff · PRBE Capital

PRBE Capital

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What is credit?

Concept of an idea Americans invented.

The study of human psychology — when it comes to their finances.

Split up in seven different ways.

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Root: Credit — 7 branches

1

UTILIZATION

Overspending

2

HISTORY

Age

3

INQUIRIES

how thirsty, how desperate

4

LATE PAYMENTS

30-day cycle

5

PROFILE

Experience

6

DEROGATORIES

Delinquency

7

FICO

Credit Score

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Branch 1 of 7

Utilization

The psychology of human — in regards to overspending.

Overspending = Utilization.

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Branch 2 of 7

History

How much age do you have?

Are you a baby? Are you three years old? Two years old? Are you five months old?

The age is a history.

PRBE Capital · Empowering people’s futures via their finances

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Branch 3 of 7

Inquiries

How thirsty are you?

How desperate are you for money?

Inquiries = how desperate you are.

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Branch 4 of 7

Late Payments

When someone lends you money — how responsible are you in paying it back?

How punctual are you in a 30-day cycle?

Responsible. Punctual.

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Branch 5 of 7

Profile

How many credit cards do you have under your name?

Do you have one? Five? Ten?

Ideally: between 5 to 7. = Experience.

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Branch 6 of 7

Delinquency

Have you ever asked for money and never paid it?

Life happens COVID happened You got laid off A divorce The hospital An ex-lover that won’t leave you alone

Delinquency = derogatory accounts.

Collections Charge-offs Bankruptcies Evictions

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Branch 7 of 7

FICO Score

All six factors above feed the formula. Out comes one number — your label.

What is your score? What should you be labeled as?

Poor

Delinquent

Fair

Good standing

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0Basics 1Report 2Framework 3Funding

CREDIT

FUNDING

BUSINESS

All together.

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Step One · Level 1

Let’s vividly see
the inside of
credit profiles.

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Good credit

717 · GOOD

802 · EXCEPTIONAL

813 · EXCEPTIONAL

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Can I tell you a secret?

493 · POOR

497 · POOR

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Same borrower. Three bureaus. Three scores.

Equifax · 582

Experian · 569

TransUnion · 601

Same person — the three bureaus don’t agree.

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This is what derogatory credit looks like.

FICO 592 · collections + $750 past due

Auto loan · Charged off as bad debt

Payment history · CO = charge-off

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The difference

Which one do you think the bank says yes to? You already know.

GOOD · bank says yes

vs

POOR · bank says no

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0Basics 1Report 2Framework 3Funding

Baruj has a secret to share.

Frameworks.

Actual step-by-step procedures
for removing collections.

Given to you freely.

@theofficialbaruchmackliff · Instagram

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Step 1

Go to your report

Get your FICO score on Experian.com — log in and create an account.

RECOMMENDED

Experian.com

Your real FICO score — the one lenders actually pull.

Log in. Create your account. Pull your report.

NOT RECOMMENDED

Credit Karma

About 14 days behind on your data.

Uses a different score that bank lenders don’t always pull.

PRBE Capital · Empowering people’s futures via their finances

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Pull your credit report

Log in to Experian — see your score, your accounts, your collections.

1 · Log in (Experian)

2 · Your FICO + report

3 · Your accounts

4 · Collections & inquiries

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Step 2

Identify your collection, if any, on your credit report

Five things to circle in red on the collection.

Collection: name, balance, account number

1

2

3

Collection: name and address (contact info)

4

1 Name 2 Balance 3 Account # 4 Address 5 Bureau · EQ / EX / TU

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Step 3 & 4

NMLSaccess.org

Go to NMLSaccess.org — then input the collection company’s name.

Go to the site

Input the company’s name

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Step 5

Assess the issue

Did they even show up? Some collectors aren’t licensed at all.

No match — not registered

Match — licensed & on record

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Step 5

Verify them on NMLS

Their record · every license with “Submit to Regulator” · then check the next one.

Their full record

Licenses · Submit to Regulator

Check the next collector

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Step 5

The 1692G letter

Another collector verified — and what a 1692G actually does.

Aldous — verified

What it does (FDCPA)

Why it works

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Step 6

Who the collector actually fears

Restaurant = the collector / bureau Manager = no real power CFPB + FTC = the teeth they fear Filed = they MUST respond — realistically ~45 days

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Step 7

Create an account with the CFPB

It’s free. It’s your right as a consumer.

Register here portal.consumerfinance.gov/consumer/s/login/SelfRegister

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Step 8 · Pause

All these steps are given to you freely.

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Step 9

Where to click in the CFPB

Start the complaint — choose Credit reporting. Step 1 of 5.

Step 1 · Credit reporting

Step 1 · scroll down · credit reporting product

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Step 10

Where to click in the CFPB — continued

Pick the problem, then describe it — Steps 2 & 3 of 5.

Step 2 · pick the problem

Step 3 · describe it

When you attach — DO upload: ✓ certified mail receipt · ✓ 1692G letter (PDF). DO NOT attach: × driver’s license · × Social · × proof of address.

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Step 11

The 1692G letter

Debt validation — built in three moves.

Same move for the complaint — tell the AI: “Give me a copy-and-paste smaller complaint, smaller words but atomic.” → Paste it into Step 3 of the CFPB.

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Step 12

Print it. Mail it. Snap it.

Print it, send it certified mail — then snap a picture of the receipt.

Certified mail envelope and green receipt

Envelope & receipt

Green certified receipt

Certified mail envelope with green label

Labeled & mailed

You snapping a photo of the certified mail receipt as proof

Proof in your hand

If you don’t snap it, these collection companies will pretend they never received anything. They bought your debt for pennies on the dollar — they capitalize on the weak and the ignorant.

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Snap a picture of the certified mail proof and send it

Step 14

Snap a picture.
Send.

Send the picture of the certified mail to your WhatsApp.

Send it to your computer.

Be ready to upload it to the CFPB (on Step 3).

PRBE Capital · Empowering people’s futures via their finances

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Step 17

Click next step · Submit (on the CFPB)

Submit the required information. Address the collection company by name.
If they don’t pop up in the database — sometimes they don’t because they’re slick — input their address accordingly.

Name the collection company

Attach: receipt + 1692G (Step 3)

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Click submit. Done.

Pat yourself
on the back.

You just did what others charge $800 for —
up to $3,000 in New York.

All by yourself. That’s money back in your pocket.

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Framework — summary

1 Pull report · find the collection · get name + address on NMLSaccess.org

2 Create your CFPB account

3 AI generates the 1692G letter → print → certified mail → snap the receipt

4 Upload to CFPB — receipt + 1692G only. No DL, no Social, no proof of address.

5 Paste the atomic complaint · Submit.

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0Basics 1Report 2Framework 3Funding

Amplifying.
Getting business funding.

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If you have an asset

Put a building, a house, or a hotel inside an LLC.

Lending is based on the asset — something tangible.
9 times out of 10, the bank won’t care about your credit.
The asset is real. You can see it. You can touch it. It appreciates.

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If you don’t have a property under an LLC or C-Corp

This is what you do.

Make sure your FICO is 700+.

Assuming you’ve cleaned yourself up — no derogatories, no lates.

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What I, Baruch, charge for this

$499

New York

$299

Florida · Atlanta · Chicago · Texas

Scan → the website

PRBE Capital · Empowering people’s futures via their finances

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Live exercise

I’d like 7
volunteers.

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Jack · Susie

JACK

Wants $100,000.

4 people add him to their cards.

Amplified.

SUSIE

Wants funding too.

No one to add her.

Alone — stays stuck.

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Authorized Users (trade lines)

Same thing, different name — in some states an Authorized User is called a trade line.

A way to amplify yourself.
A way to feel strong.
You’re united.
Correctly assembled with a team of people who entrust you — quote unquote — to have money.

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Which banks count authorized users?

Bank	Cares?
Chase	Doesn’t care
Wells Fargo	Cares
Capital One (cheap bank)	Cares
Truist	Doesn’t care
Citibank	Doesn’t care
Bank of America	Cares
Regions Bank	Varies
US Bank	Varies
PNC Bank	Varies
DCU (credit union)	Varies

Based on our funding experience — varies by lender · optional and recommended.

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Credit card stacking

$10K · $25K · $55K

To stack up to $10K, $25K, $55K — we do credit card stacking.

Some people charge a fee for this whole framework.

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Build your brand — the retainer

Round 1

7%

retainer fee

Round 2

10%

retainer commission · 3–6 months later

Round 3

15%

retainer · stabilize at 10%

Very straightforward.

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To wrap up funding

We need a vehicle.

C-Corp · or · LLC

Level 3 is about amplifying yourself — and getting money.

PRBE Capital · Empowering people’s futures via their finances

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This was never
just about credit.

It’s about restoring what was taken — and the people prove it.

CLIENT

Real people. Real results. Watch their stories — scan next.

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Thank God. Thank Jesus Christ.

Empowering people’s futures via their finances.

Stay connected — scan to follow.

Website

YouTube

TikTok

Facebook

Baruch Mackliff · PRBE Capital

51

Credit.Funding.Business.

Four levels

What is credit?

See the report

Framework

Amplifying / funding

What iscredit?

What is credit?

Concept of an idea Americans invented.

Root: Credit — 7 branches

Utilization

History

Inquiries

Late Payments

Profile

Delinquency

FICO Score

Step One · Level 1

Let’s vividly seethe inside ofcredit profiles.

Good credit

Can I tell you a secret?

Same borrower. Three bureaus. Three scores.

This is what derogatory credit looks like.

The difference

Frameworks.

Actual step-by-step proceduresfor removing collections.

Given to you freely.

Go to your report

Experian.com

Credit Karma

Pull your credit report

Identify your collection, if any, on your credit report

NMLSaccess.org

Assess the issue

Verify them on NMLS

The 1692G letter

Who the collector actually fears

Create an account with the CFPB

All these steps are given to you freely.

Where to click in the CFPB

Where to click in the CFPB — continued

The 1692G letter

Print it. Mail it. Snap it.

Snap a picture.Send.

Click next step · Submit (on the CFPB)

Pat yourselfon the back.

You just did what others charge $800 for —up to $3,000 in New York.

Framework — summary

Amplifying.Getting business funding.

If you have an asset

Put a building, a house, or a hotel inside an LLC.

If you don’t have a property under an LLC or C-Corp

This is what you do.

What I, Baruch, charge for this

I’d like 7volunteers.

Jack · Susie

JACK

SUSIE

Authorized Users (trade lines)

Which banks count authorized users?

Credit card stacking

$10K · $25K · $55K

Build your brand — the retainer

Round 1

Round 2

Round 3

To wrap up funding

We need a vehicle.

C-Corp · or · LLC

This was neverjust about credit.

Thank God. Thank Jesus Christ.

Credit.
Funding.
Business.

What is
credit?

Let’s vividly see
the inside of
credit profiles.

Actual step-by-step procedures
for removing collections.

Snap a picture.
Send.

Pat yourself
on the back.

You just did what others charge $800 for —
up to $3,000 in New York.

Amplifying.
Getting business funding.

I’d like 7
volunteers.

This was never
just about credit.