The two of us have been friends for decades with no intentions of getting into the credit card world, ended up creating Paid With Points. For the last several years, we would feed off of each other’s knowledge and continued to gain more and more interest on how to further capitalize on the credit game. Carmen Williams has experience in credit repair while Angelo Minella has mastered the redemption game. In early 2010, Carmen had a credit score in the mid 700’s. Come late 2010 / early 2011 Carmen’s credit score dropped to the 400’s. He rebuilt his credit score to mid 700’s by early 2018 using tried and true strategies over the years. In 2019, Angelo took 9 vacations to 3 different countries for $20,000 worth of free travel.