Credit Repair

613 Credit Score – CHAPTER 7 BANKRUPTCY TO 700 Plus Credit Score in less than 1 YEAR! (2018)

613-credit-score-chapter-7-bankruptcy-to-700-plus-credit-score-in-less-than-1-year-2018

613 Credit Score – Most Popular?

CHAPTER 7 BANKRUPTCY TO 700 Credit Score IN less than 1 YEAR! (2018)

Updated 2020 version here: https://youtu.be/3wt-Nvz8QSw

MY FICO SOCRE:
https://www1.myfico.com/home

FICO VS FAKO/CREDIT KARMA VIDEO:
https://www.youtube.com/watch?v=d08py0Y29e4&t=1s

CREDIT ONE:
https://www.creditonebank.com/

CAPITAL ONE:
https://www.capitalone.com/credit-cards/prequalify

DISCOVER BANK:
https://www.discovercard.com/application/prequal

The CFPB announced that you are entitled to 1 free credit report each year. You can get yours for free here. (Doesn’t come with score, only your actual report):
https://www.annualcreditreport.com/index.action

Lists of videos coming soon:
–Paying before the minimum due date (Filmed)
https://youtu.be/tdbW9swsvP8
–Secured Loans to boost your credit without an inquiry (Filmed)
https://youtu.be/cY1seJqsZGw
–Credit card balance transfers to trick the credit bureaus (Filmed)
https://youtu.be/lKGAZkTQJ74
–“Piggy-backing” on someone else’s credit to boost your score (Filmed)
https://youtu.be/cYXkFvqHi_E
–Writing to remove inquiries
–3 credit line strategy
–Writing to remove negative remarks on credit profile
–Increasing lines of credit
–Disputing collections/settlements
–Consolidation loans
–Opening new accounts to trick the credit bureaus
–Charging small amounts to inactive credit cards or lines of credit

Links to check your credit:
My Fico – (Not Free)
https://www.myfico.com/products/ultimate-three-bureau-credit-report/?sourceid=SEM_GC312a420l076&gclid=Cj0KCQiA2o_fBRC8ARIsAIOyQ-ktmBUJwI2_FjR9oicdr2zKjggrJMLUKjQGlebdmrtELp4iA9L5sxsaAp08EALw_wcB

Credit Karma – (Free)
https://www.creditkarma.com/

Credit Wise – (Free)
https://creditwise.capitalone.com/home

Credit Bureaus:
Equifax
P.O. Box 7404256
Atlanta, GA 30374-0256

Experian
Dispute Department
P.O. Box 9701
Allen, TX 75013

TransUnion
Consumer Solutions
P.O. Box 2000
Chester, PA 19022-2000

✅Subscribe & Never Miss A Video: youtube.com/c/AskAustinHarleyToday?sub_confirmation=1

👍Interested in buying a rental property? Check out this video on how to buy one with $0: https://youtu.be/5kpohTG7pVQ
👍Fastest way to increase your credit score: https://youtu.be/tdbW9swsvP8
👍Buying expensive cars for cheap: https://youtu.be/NQrL2C4uIzs

Disclaimer: The tips and tricks taught in these videos are from personal, hands-on learning AKA “The Hard Way”. THE GOAL: To educate and help any and everyone, no matter the financial situation you are in. Comment your video request in the comments section below!

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33 Comments

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    July 29, 2021 at 11:25 pm

    Hey all – Here's the updated 2020- 2021 version: https://youtu.be/3wt-Nvz8QSw

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  9. Jason Williams
    July 29, 2021 at 11:25 pm

    I’m filing chapter 7 tomorrow, scared about it but hopefully I’m not making a mistake! Thanks for a great video

  10. J Freedom
    July 29, 2021 at 11:25 pm

    So you get over 700 fico ? You still can’t a decent cc like chase with decent rates ! I had a bk discharged last February 2020! Got target Cc 1000 interest 26 percent! Credit 1 900 all unsecured cc ! A car loan ! 5.2 percent interest $24k loan ! Capital one 2 cards 24 percent 3 k each ! A firm loan 4K !Merrick bank $1100! Ollo bank $2500! The bank of Missouri $2000 ,victory secrets $750 ! Discover bank secured $2000! All cc no fees ! Firestone cc $2800! Visa sportsman cc ! And upgrade cc $25,000.00 it’s been 14 months since my discharge ! Used and paid off immediately! Started with fingerhut $300 score day after bk was 400 score now ! 745 now ! Only problem is not good interest rates ! I tried get rid of bs ! They all show included in bk 0 balance and bk chapter 7 still on credit reports! Still trying to work each month to delete my accounts! But I have credit I can use very well just use and pay in 30 days no high interest owe the last cc is Jared jewelry 7k and Dell financial $7500 all high interest! Going rounds and rounds to dispute negative bs ! I have a mortgage reaffirmed thru the bk ! Does not show on credit reports us bank won’t report at all after bk ! So theirs a good life after a chapter 7 bk oh I have 14 open inquiries that will fall off my credit reports in another year but I’m ok because I’ll have seasoned cc then ! Last going get. Southwest air by chase a authorized user from my daughter she had credit card for 10 years 19k limit which I can do as anyone else with good credit ! Did this in 14 months after discharge chapter 7 ! Thanks it can be done

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    July 29, 2021 at 11:25 pm

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    instincts told me this is the solution to my credit profile. My
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    July 29, 2021 at 11:25 pm

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    instincts told me this is the solution to my credit profile. My
    instincts never lied and they really got me 835 FICO score before 4
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    July 29, 2021 at 11:25 pm

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    July 29, 2021 at 11:25 pm

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    was refer to a Genius creditfixer team led by hackbymessiahorg he
    removed all the negative in my credit report and brought my credit
    score to 727. I now have couple credit card and 2 new cars with my home .
    In this country if you don’t have good credit you ain’t going very far
    that the fact

  20. Angela Tate
    July 29, 2021 at 11:25 pm

    I had 350 credit score because I was young broke and dumb. Now 31 and i
    was refer to a Genius creditfixer team led by hackbymessiahorg he
    removed all the negative in my credit report and brought my credit
    score to 727. I now have couple credit card and 2 new cars with my home .
    In this country if you don’t have good credit you ain’t going very far
    that the fact

  21. Martin Scott
    July 29, 2021 at 11:25 pm

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