Page 94 - Credit Matrix: The Path to Financial Liberation Red Contract

Hack #2: The Horizontal Scaling Method - Maximizing Credit Reporting

In the ever-evolving world of credit building, the Horizontal Scaling Method
stands out as a groundbreaking strategy, particularly potent in 2024 and beyond.
This method ingeniously amplifies your credit reporting by leveraging the
synergy between cutting-edge financial tools.

**Step 1: Utilizing the SuperPay Card for All Transactions**

The cornerstone of this method is the SuperPay Card, a virtual credit card that
reports your spending directly to all three major credit bureaus. By using the
SuperPay Card for all your transactions, whether online or through wireless
contactless payments, every dollar spent is recorded as credit activity.

**Step 2: Linking a Credit Builder Card to SuperPay**

To double down on the credit-building power, link a credit builder card, like the
Grid Card or Chime, to your SuperPay account. Use this linked credit builder card
to pay off your SuperPay Card balance. This creates a situation where every
transaction is reported twice, effectively doubling your credit activity.

**Example Scenario: Fueling Credit Growth**

Imagine spending $500 a month on gas using your SuperPay Card. That $500,
which typically would count as a single transaction, is reported as credit to all
three credit bureaus. By then paying off the SuperPay Card with your linked Grid
Card, this same $500 gets reported again. Essentially, you turn a single $500
expenditure into $3,000 worth of positive credit reporting across all your credit
profiles.

**Step 3: Expanding to All Monthly Expenditures**

Apply this strategy to all your monthly expenses and subscriptions. By doing so,
you transform your regular debit spending into a continuous stream of positive
credit reporting. Every purchase made with the SuperPay Card, followed by
repayment with a credit builder card, exponentially increases the amount of
positive financial activity reported to the credit bureaus.