Immigrant to 700+ Credit: OPM, LLC Setup & $100K Funding (Step‑by‑Step)

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Haitian immigrant Carrington Pierre explains how he went from poverty to a 700+ credit score—then used OPM (other people’s money), 0% APR business cards, and proper LLC structuring to fund new income streams. We get into psychology and identity shifts (freedom vs. control), early hustle lessons (candy business, delegating, selling/burning media), strict schooling and risk management, and the exact profile mistakes that block funding (personal phone/address on your business). Carrington shares how he pulled $6K from a Discover card to flip inventory for $14K in 2 weeks, why OPM + OPA (other people’s audiences) + OP (other people’s platforms) matter, and how his Immigrants to Millionaires community helps people reach 700+ and access bank funding.

Guest: Carrington Pierre — IG: @CStaysInProfit
Topics: credit repair, profile building, LLC setup, 0% APR funding, mindset, first‑gen success, practical psychology
Disclaimer: Educational content, not financial advice. Results vary; manage credit responsibly.

Timestamps/Chapters (approx—fine‑tune after upload)
00:00 – Intro: “I wanted to be a millionaire” (Haiti → U.S.)
02:03 – Grandma the entrepreneur: salt factory, fireworks, reinvesting
05:05 – Strict schooling, French recitation & early risk management
05:57 – Free class plug: credit + funding + income roadmap
06:15 – Family dynamics, moving to Massachusetts, homelessness → shelter
08:57 – Brockton, MA: diverse neighborhoods & survival lessons
11:22 – High school identity: academics, sports, selling, anime
14:14 – Learning English via DBZ; discipline over vibes
15:58 – Early side hustles: media burning, iPod/iTunes arbitrage
17:48 – Delegation lesson: 10 shovels, pay by percentage
24:54 – Fourth‑grade candy empire (team, pricing, protection)
39:10 – Mindset: product of teaching vs. product of environment
55:20 – Credit at 16: YouTube University, first paying client at 17
59:43 – Buying a home at 19 with mom (credit leverage); later exit
1:22:57 – 9‑to‑5 vs freedom: trading time vs leverage
1:23:44 – High‑income skills & the path to six figures
1:24:05 – Program pillars: repair → 700+, structure LLC, present to banks
1:24:23 – Claim: up to $150K at 0% intro APR (with profile/setup)
1:27:17 – Serving Black women: 700+ wins & behavior change
1:31:44 – Access model: free monthly micro‑cohorts for those who need it most
1:33:56 – CreditToCashLive.com: repair → fund → monetize overview
1:35:38 – Free academy: DIY guides to avoid common LLC/credit errors
1:40:11 – Identity shift: hustler → CEO → founder
1:43:20 – “If I had $5M to buy your business…” (systems, M&A mindset)
1:55:35 – Final CTA: free masterclasses (Wed & Sun) + where to find Carrington
1:56:34 – Outro

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