Corey P. Smith is a noted author and credit awareness expert who has used the lessons learned from his unforgettable life experiences to position him as one of the nation’s foremost trailblazers in his arena. He is widely known as a credible, highly knowledgeable and invaluable resource. Smith is the author of How to Outsmart the Credit Bureaus and his latest release, The Conspiracy of Credit. He is also author of the documentary, “Credit is for Poor People.”

A native of Memphis, Tennessee, Smith graduated from Tennessee State University with a Bachelor’s degree in Sociology. He is a former high school History teacher, corrections officer and Navy veteran. After finding himself living in an unfurnished apartment (that was not in his name) that had no electrical power, he realized a change must come in his life. This realization was the catalyst that led him on a quest that ultimately equipped him to effectively promote social economic awareness. Today, Smith dedicates his time to providing credit awareness and educational empowerment by sharing his expertise with as many audiences as he can. The difference between him and other financial advisors is this, “I simply provide people with information they can use rather than offer them a solution to the problem that just may or may not work for them. Knowledge is power, and I am pleased to share knowledge that has been tested and tried.”

How One Man Went From Bankrupt to Borrowing a Million Dollars in Four Months

Corey P Smith, Author of Conspiracy of Credit, generates about $40,000 a month by utilizing his credit. Three years ago, Smith was broke and was working as a corrections officer. However, unexpectedly, he lost his job and eventually his home. He moved his family into a Red Roof Inn for several weeks until his money eventually ran out.

Smith formed Credo Books in 2013 and published Conspiracy of Credit on November 1, 2013. “You can always borrow a million dollars faster than you can earn on a job.”

With a wife and three children to support, he scrambled to find a new way to create income from nothing. Smith tried to think of ways to make money quickly. “I couldn’t just go get a job at McDonald’s, because I had a wife and three kids to support,” he said. His life story was so compelling; he felt it would make a great book. But, he wasn’t an established writer and knew the only way to sell a book would be to build a strong following. One day, Smith noticed a homeless man holding a sign that said, “I will beg for my future.” It was at that moment he realized that homeless people had more power than most people who worked every day. He said, “Because homeless people owe nobody money.” Two weeks passed and one night Smith awoke with deep depression and feeling frustrated about his life. He said, “He thought about the homeless man holding the sign.” He remembered telling his wife that credit is for poor people, but it’s also a way out of struggling, if leveraged correctly. Smith decided to experiment with the idea and so he took two homeless men and began rebuilding their credit. For 63 days, Smith paid for them to stay in a homeless shelter, while he worked on their credit.

Smith and family moved into a room at a relative’s house while he worked around the clock to build the homeless man’s credit. He started to examine the entire economic structure of credit and how it holds most Americans in bondage. Preventing them from buying a home, purchasing a car and sometimes a job. After over six months of research, Smith created a technique using affidavits to virtually remove anything from a credit report including student loans, bankruptcy and tax liens.

Most people don’t realize credit bureaus are nothing more than record keepers, he states.

People are tricked into paying for credit protection and credit score monitoring services, but they never realize these are nothing more than revenue streams for the credit bureaus and banks. Smith now has a bestselling book, Conspiracy of Credit, over 60 rental properties throughout the United States and a private rental car service. This earns him over 1.2 million dollars a year, which he pairs with other businesses and entrepreneurs to accumulate more wealth. He has a small staff of six people and is currently working on a documentary entitled “Credit is for Poor People.”

Smith, 41, is now a self-made millionaire who has built his fortune almost entirely using credit. “Credit can be disastrous for anybody, but it can also be rewarding. You can always borrow a million dollars faster than you can earn it,” states Smith. He has found that it’s a constant game when it comes to keeping up with the banks, credit card companies and credit bureaus. Additionally, he has taught other people including the homeless how to leverage credit so they can become financially stable.