The Fiercely Resilient
Credit Crackhead by Antoine Sallis

After buying the vehicle Stan’s understanding of credit and the significance of it increased a lot. He was always smart, but he had always ignored his credit. He was quickly learning that credit is a very valuable tool, and utilized correctly could be used as leverage to some very favorable deals. Since his score was 684 he decided to go and get that…

Many people spent years building their credit, but Stan soon learned ways to give it a boost really fast. (Adding an Authorized User trade line is perhaps the quickest way to boost your points with the highest. The second way is to pay down any high balances on accounts; this can be credit cards, car notes, etc. He soon learned that a credit score could increase 80 points just by paying it down. With a car note, he learned it was better to not pay off the whole thing. The key was to pay about 70-90% of it, or refinance.)

He kept digging and digging and studying and learning. He soon discovered a…

Stan was driving to work playing his favorite cd by Eminem. In one of the songs, Eminem was rapping about his daughter.

He listened to the lyrics “It’s funny.
I remember way back when daddy had no money.
Mommy put the presents under the tree and said that it was from me.”

Listening to the lyrics of that song made Stan think of his own daughter. He turned off the music and…

Stan went to bed that night thinking about the future and all the things he would be able to accomplish once he got high limit credit cards. He would stop at nothing to fulfill his dreams, and he vowed long ago to regain custody of his daughter. He had work to do. His alarm normally goes off at 6:45 am but…

At the airport, he got online with his cell phone. It was a 3-hour flight and he wanted to make the most of his time. He decided beforehand that he was going to use the next 3 hours to lay out a game plan for using his credit cards…

“Collection or derogatory account,” Stan said to himself. What collection? He had paid everything on time since he’d been working on his credit. He went into his Credit Karma profile and took a look. There it was…

Stan woke up the next morning to a loud bang. His heart was pounding as he tried to find the source of the commotion. He heard it again, in a rhythmic beat. Bam! Bam! Bam! He went up and heard that it was coming from Adam’s room. Then he heard the music. He knocked on the door. Adam opened it up…

Adam and Stan pulled up to the bowling alley at a quarter past 7 and parked the Charger next to the front door. Stan had decided as a reward to himself he would spend a little money on the Charger. He ordered some new parts and accessories off of Amazon.com including…

Adam woke up in the middle of the night as he often did. He was a dreamer and his brain was always going. Although waking up irritated his sleep, usually the thoughts he had were pleasant and this time was no different. He sat there envisioning his daughter in her bedroom playing with her toys, and then he envisioned cooking dinner for her and them watching tv together eating a meal. This brought joy to…

Stan pulled up to work feeling like a new man. His life had completely changed. He was looking forward to this day because he was going to call his parents on the first break and tell them the good news. Then after work, he would start shopping online with his Home Depot credit card for his new home. This was exciting. In all his excitement, he could not however under any circumstances let his boss see him overly happy. He knew his boss did not…