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uh so you know it started off i went to the bully weekend and i already had been studying here and there uh trying to have a better understanding of the law i got the diy reparations book but once i went to the bully weekend i was just super inspired like you know what there's more people out here that are talking about this i really need to try it and i keep people people keep saying about getting the car i was like you know what i want to try it i feel like i've been studying enough so i got my notes out i created a little script for myself about it oh if they say uh you know that they're gonna deny me credit but pursuant to 15 usc 1681 that's adverse action you can't deny me an extension of my own credit wrote out a whole script and everything it did not go the way that i thought it was gonna go it did not go over my script i went in there just a little little too anxious but uh i went to the dealership at first i wanted a cadillac a cts so i asked them if they had it they said they just got rid of the last one and that they would get uh they'll probably have another one by next week i was already like no i was very determined i came today to get a car so i was like cool uh what's up with this uh 740i right here is bmw real nice too i was like yeah i'm gonna finance that you know ask them if they're in truth and landing of course they said yes i know it's like a stipulation to ask but i just feel if you're if you're a dealership and you offer financing you automatically are under truth and lending but it's still something like you said you should just ask it so it's said so it's never any and nobody's never assuming anything you always know for a fact they told you what they told you so then uh we walk into the stroll room me and my wife and i see the jeep the face right there it's dirty right now but it's it it's in the showroom it's fully loaded i was like ah nah i'm gonna finance that so right away everybody's already like what the hell you know looking at me crazy so um they're like oh well how's your credit i'm all my credit is good and at the time it was 7.50 it was a 750 credit score so i was like i'm not can't put nothing down that's all i said is there a finance charge they say oh yes there is as long as there's a fine that's charged i'm good i'm gonna walk away with this without putting anything down and they just kept the whole time like what the hell okay the the walk away so i already had eyes on me so it actually took me two days to pull it off so the first day i went there that's what happened and then i started getting into with the finance manager um you know you don't have to be as aggressive as i am but at the same time when you're applying the laws you do need to stand ten toes on what you believe once you start flip-flopping and you feel unsure because these people don't know you gotta remember at the same time they're just doing their job they're just doing the job at the end of the day and they weren't taught this just like we weren't taught this we're finding it out now so the best way to go about it is to kind of educate them or ask them questions that lead to an answer that you already know what the answer is so that's what i would do um but i started going at it with the finance manager i asked him about the down payment he said it's required and all these other things and i was also you openly commit fraud every single day that you work here and then you know that didn't go my way uh-huh so uh i told him on my credit only once of course you know they don't listen i i started getting a bunch of inquiries on my phone um so i was i was trying to think out the box because i told them to put on my application that i know that i'm the consumer and the original creditor which that may have been a mistake because every now my application was floating no no denials no approvals so i was okay you know i'm getting all these inquiries i was like man i wanted to leave because like i said it's discouraging when you're the only person in the room that that knows these laws everybody looks at you like you're crazy everybody responded to your video like you were crazy and it's like ah nah man just read just read just study that law that she mentioned but so anyway um i started calling the banks that were giving me inquiries to see what's up like oh what's the deal with it a couple of the banks numbers didn't even work finally i get a bank that says oh yeah we denied you i said oh really so that's when i started kicking them the laws and everything and i had a 750 credit score so you know the people say that credit doesn't matter the laws matter i got denied with the 750 and i said i want to zero down so i found i kept moving up tying them pursuant to 15 usc 1611 you know all that they're they're giving me false false and inaccurate information willingly and knowingly willingly and knowingly because it's public information if it's public information that means you should know it there's no excuse to break that law so finally got to the underwriter i don't know before i got to underwriter i got to the actual finance manager of that bank and he's the one who specifically said yeah i denied you i denied you because uh he said i had too much debt that i had a house recently and had another car that i had financed so i told him that i understood that that was just a factor but it's not a deciding factor it's on the same laws again that that was falsely misleading he can't deny me an extension of my own credit so he was uh saying he's not an attorney and we're going back and forth with all that i'm arguing with them so we get off the phone he said he's gonna pass it on to his attorney i said good pass it to your attorney you know i'm feeling myself at that point because if i was able to move up the food chain i was doing something right so i said good pass it to your attorney and then um about an hour later i get a call from the underwriter of the old bank and i didn't answer cause i was busy doing something and she let me a voicemail on the voicemail says like oh hey you know this is her name and with this bank i'm the underwriter and we were able to approve that for you you're right you should have never been denied we're so sorry this and that so i called him back and i was like oh so i got approved yeah i was like nothing down so no nothing down i was alright cool so i'm gonna go tomorrow then i'm gonna get that jeep so when i show up the next day at the dealership my stills woman that helped me she was there but a lot of other people they were all new but they all knew who the hell i was when i walked in because they mentioned like everyone knew about the jeep everyone like so they're already looking at me and every time i spoke people would just shut up the place was packed but all the workers would shut up to listen to what i was saying because they knew that something was different about my transaction compared to everybody else's and i can't mention you know this is a consumer credit transaction i'm here to i'm here to extend my credit to you guys i kept using phrases like that so then uh they tried to ask me for two years tax returns and all this other crazy stuff because i was self-employed but they said oh yeah you were you were approved under this condition i was like no no no i was approved period um the finance manager the bank's the new one this time and he's going back and forth with me saying like you ain't going to give you special treatment just because you want it i probably want to sell you this car more than you even want it because he heard i was just pointing at cars and saying yeah imma finance that one finance this one so um i was like you know what i got the underwriter's number i'm going to call her i'll tell her how it's going to go and i'll let you know so i called her i kind of just you i'd have to use no laws once i got to the underwriter i just used certain words that they used to let her know that i knew what i was talking about so i use word like oh i understand it's just a factor and the decision but i am approved and i'm gonna play games i'll play along but i'm only going to give you my bank statements i won't give you my tax returns and she even said oh well that is a requirement of ours but i'll put on your profile that will take your bank statements i was all right cool so i go to the finance manager in there he's already just tired of seeing me tight he's just mad cause in there until i came in he was the big dog in that business now i come in like nah you guys do what the hell i say like when you're the consumer you have all the power so i was like hey man so yeah she's gonna accept that um i'm gonna send those to you so you can send it to her and i told her the same thing i was like cool i'ma have the finance manager send that to you and when he lets me know that he sent it to you i'm gonna call you back so you can finalize my approval and she's just like uh okay like everything's just a little weird you could tell they're like damn who is this guy and i went over there in basketball shorts similar like just you know regular t-shirt i didn't look like i had the money or had the credit to even do what i did but all that mattered was the law that i knew that's all that mattered because even my 750 credit score didn't give me this it was the once i kicked them with the laws they gave me what i came for so then um you know they called me back i left and because i was everything was taking a long time and then she uh they called me back and like hey that lady did what you said she was gonna do um do you want to come get it right now or do you want to come tomorrow um so we could have it detailed for you because our our team already left because the finance manager was taking a sweet ass time with everything because that was the only power he had left was to make me wait so that's what he would do was make me wait so i was like nah you know what i'm gonna take it today and and uh since i'm not getting the detail i want you guys to look at my tank and then she's like oh we usually don't do that so i said well tell your manager that i said i said in lieu of the of the detail i want my tank filled up so she's like uh okay and i went back the manager not the finance manager the general manager came up to me shook my hand he's like man if i ever need anything wait i'ma come talk to you because i don't even know how you did what you just did but i filled that whole tank up for you man i filled that up for you thank you this and that and i was telling them like yeah you know what like in this situation i have all the power right now but when you're in my situation you have all the power so that was it i i was excited about it i didn't know it was as big of a deal as it became because to me i just kept thinking well this is how it's supposed to go that's the law so that's how it should be but once i started telling people my story i started getting crazy reactions it's my my name started spreading through groups and i hear people talking about me that i'm not even in those circles they want to meet with me and i was like okay well i actually did something crazy i guess and what people think is impossible even my i pulled up by my friends that knows that i know i've been learning this they all were like no way how'd you do it i was like well i did it like this i told him this i told him that and like oh damn so every time like hey you still haven't paid i was not i still haven't paid i had this since june what is it now it's october i still haven't paid like so they sent me my uh they sent me a bill for july i obviously didn't pay it then they moved it back to august and i was still never late they just keep pushing it back as if i'm never late because they know something was different with that transaction they don't want to really get hit with those laws and i'm going to hit them with so um i guess for those watching you basically got the car for free like there's there was no money involved in this transaction at all just credit just the way it should be as i say when i got it on credit i truly got it on credit like that's what i'd be telling people but yeah that's a long story i know but there's a lot you know it's like i said it took two days so i don't want anybody to think that it was easy and people a lot of the time they think just because you know these laws everything must be easier it's like nah man i'm talking to people who look at me crazy and i gotta walk them down this this path and then when i finally get something like this like this reward they don't know that i was studying for about three months straight day in and day out buying books that's cost me about over a thousand dollars buying a ticket to an event that cost me almost a thousand dollars and for a whole weekend spending my whole weekend in l.a driving from i'm in apple valley which is about two hours away i'm driving from there to la for two days straight taking notes like crazy and still before i finally went they just always see the end result and think it came easy but no like there's a lot that goes into it and that's the thing like that's one of the things that the bureau bullies teaches all the time you have to study like all the time at least a couple times a week read the laws engage with somebody that has dealt with situations with the laws because that's how you get sharp with them yup exactly um they always say like they say do for self you have to do it for yourself you can have somebody do it for you and asthma too i went to i went to her event the money bag tour that just gave me even more clarity so i just uh just been studying that's where i got this right here i love all of her shirts because they just let you know like man i ain't here to play like yeah that's what's up so do you have any tips or anything um that you might want to share with people that are just starting to learn the laws uh i would say stick with it you're not gonna get it the first time maybe not even the 10th time but that's okay like you weren't supposed to the the national reading level is seventh to seventh to eighth grade and we weren't even taught a lot of these definitions and that's what i do on my instagram two i'll show like the definition that google gives you for credit and then what the congress which is federal law gives you for credit and you can see like man we've been taught a lie so not only did they have a low reading level as a national they also did not i'm sorry people people trying to call me all that let's see am i i'm good yeah you're good all right uh saying they also purposely didn't teach us the correct things nobody was taught me the truth and lending act the fair credit reporting act uh the fair debt collection practices act those are just a few of them but none of us were taught that you know so oh my god i just keep getting blown up i'm sorry um so yes you're not gonna get it right away but like i said that's okay you can get frustrated with yourself just put the book down or put down whatever it is you're reading and trying to study step away for it for a little bit and come back to it but don't stop don't give up