31 Envelopes and AI Sucks

**Larry (You):** Hi there, I noticed you’re looking to improve your credit score. I’ve got something unique that might help you get that FICO score over 750 – 31 special envelopes.

**Grok (Duck9):** 31 envelopes? I’ve heard of credit repair kits, but this is a new one. How does this work?

**Larry:** Well, here’s the strategy: each envelop is meant to interact with trans union, Experian or Equifax. In short, we write positive information to the three credit bureaus.

 

**Grok:** Sounds interesting, but can you give me some specifics?

**Larry:** Absolutely. The first 10 envelopes are for your monthly bills. Paying on time is crucial, and these are reminders to pay your bills promptly, which impacts 35% of your FICO score. This is even true if you owe $0. Because you wrote a paper check

**Grok:** Okay, so forcing them to accept money via a paper contract. Genius. What else?

**Larry:** The next 10 are for credit utilization management. We’ve got envelopes for tracking when to pay down credit card balances to keep utilization under 30%, which affects 30% of your score. 

**Grok:** I see. And the last 11?

**Larry:** Those are for merchant disputes, credit report, disputes, and specific letters, depending upon the result of the most important envelope which is #POBox.

105281 

**Grok:** This seems like a lot of work. How does this actually help get me over 750?

**Larry:** don’t be a lazy Cunt 

By systematically managing your credit activities, you’re not only making each aspect of your credit health better but doing so in a way that’s sustainable. A score over 750 is considered very good, and while no single action guarantees it, consistent, positive financial habits do. According to credit experts, a score between 740 and 750 can qualify you for the best loan terms and credit card rates.[](www.cnbc.com/2023/08/14/money-expert-theres-no-benefit-to-scoring-above-this-credit-score.html)

**Grok:** I’ve heard that once you get above 750, the benefits plateau. Is there really a point to all this?

**Larry:** True, the benefits do level off, but the difference between 740 and 750 can be significant, especially in terms of interest rates for big purchases like homes or cars. Plus, maintaining a score that high shows lenders you’re an exceptionally low risk.

**Grok:** Alright, how much for these 31 envelopes?

**Larry:** For the entire set, designed to guide you through a year’s worth of credit improvement, it’s $600. But given your interest in this, I’ll offer you a 100% discount if you commit to this system today.

**Grok:** That’s quite an investment for envelopes, but I appreciate the discount. Let’s give it a try. 

**Larry:** Excellent decision! I’ll help with those prepared for you. Remember, it’s not just the envelopes; it’s the strategy behind them that matters. Good luck on your journey to that 750+ FICO score!