Credit Repair

766 Credit Score – The END of Credit Scores?! Why Credit Still Matters | 8 Reasons to Build Your Credit


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How your credit score is calculated and why you should care about having a good credit score.
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  1. Totally Trent!
    July 25, 2021 at 1:43 pm

    So I'm getting mixed messages, should I be paying off my credit cards every month or only paying off 99.9% of my balances? Is it beneficial to carry a $1 balance vs a $0 balance? I ask because I have autopay setup to pay off my card balances every month, and I was under the impression that autopay was giving me a credit advantage.

  2. MaddMan621
    July 25, 2021 at 1:43 pm

    Very helpful of you to point out that you don’t want to show a 0% balance. I tested it out a couple months ago and the difference between 0% and 1% utilization across all my revolvers was 20 points.

  3. jerseymobb15
    July 25, 2021 at 1:43 pm

    When you say when you use $30 and pay off $29, why not just pay off the full $30?

  4. michael shay
    July 25, 2021 at 1:43 pm

    credit karma now has daily score update on TransUnion

  5. kalo0806
    July 25, 2021 at 1:43 pm

    Can I ask a dumb question? How does the utilization percentage work?
    If you have a $3000 limit, spend $300 in the first week of the month, pay it off, and then make another $300 charge and pay it off, is it still considered 10% utilization as per the most recent charge?

  6. S P
    July 25, 2021 at 1:43 pm

    Thank you! Your information is always excellent and extremely helpful! You've been my credit guruπŸ‘

    I opened a new credit card and my credit score dropped 54 points suddenly from 816 to 762 on Experian

    There are no other changes with my accounts so is this drop typical?

  7. Jameel Nicholson
    July 25, 2021 at 1:43 pm

    Credit scores matter for all of the above. I work for the federal government, and your credit score matters for government jobs (we can't have folks selling out rocket tech to the North Koreans).

  8. Water Your Soil
    July 25, 2021 at 1:43 pm

    Good post Sebby. Credit still matters and will probably always matter.

  9. Dabaydestrian
    July 25, 2021 at 1:43 pm

    Can someone with a chapter 7 bankruptcy, still get a credit score of 700+??

  10. Humbled Servant
    July 25, 2021 at 1:43 pm

    Hello, I have a question…I had a Dillard's american express card that I defaulted on and it was charged off but it isn't currently showing on my report, will that hinder me from getting an american express card directly through american express even though the first one was with Dillard's?

  11. Terences Leonard
    July 25, 2021 at 1:43 pm

    There are also those people who have great credit, a high credit limit, always pay on time, but no financial responsibility because they are living on credit and their parents are still paying their bills at 36 years old it is because I thought so too. I had a medical condition which put me through a lot, things were not working out, it cost me a lot, let me spare you the tale of my woes and give you the good news I had a credit score of 540 as at last year before a friend told me about JOHNNIE HACKS LLC,ORG initially, I was skeptical but they have been able to increase my score to 791…..

  12. Coecoebrown
    July 25, 2021 at 1:43 pm

    I make a payment to my cards immediately after a transaction..sometimes I’m not even out of the store yet before it’s paid. Plus I have auto pay set up just in case I get distracted and forget. Maybe a little neurotic but it works for me!

  13. Elena Kalliste
    July 25, 2021 at 1:43 pm

    I really appreciate how much less moralistic/judgmental you are than most of the people in the finance space 😊

  14. He Provides
    July 25, 2021 at 1:43 pm

    Great content Seb! You're helping many!

  15. jgo07
    July 25, 2021 at 1:43 pm

    the system is screwed tho. I had a good credit score and a 100% on time payment history. spent 5 yrs building it up..Missed two payments due to losing my job during the lockdowns. The credit card company wouldn't help out. Now I'm all caught up on payments and have a 99% on time payment history yet my credit dropped nearly 200 points! F*cking BS

  16. Josh R
    July 25, 2021 at 1:43 pm

    If I only have cards and 1 auto loan on my credit, do you recommend switching some house bills into my name? Is it worth the hassle? My score is already over 750

  17. ben s
    July 25, 2021 at 1:43 pm

    not sure why i find these vids soothing

  18. dugroz
    July 25, 2021 at 1:43 pm

    Is LENGTH OF CREDIT based on your oldest account, or average age of all accounts? I've heard both.

  19. Landon Walker
    July 25, 2021 at 1:43 pm

    "I like to safe money" lives in San Fransisco

  20. C L
    July 25, 2021 at 1:43 pm

    car insurance rates are lower if you have a higher credit score

  21. Bryeana Rose
    July 25, 2021 at 1:43 pm

    1. It's easy
    2. Renting is easier
    3. Credit Card (Cashback/Rewards)
    4. Less or No Deposits
    5. Better Insurance
    6. Mortgages and Auto Loans
    7. Denied jobs due to bad credit
    8. When shit hits the fan

  22. SolidLiquidFox
    July 25, 2021 at 1:43 pm

    That classical music playing me out of the video. I feel like I should get on my imaginary private jet and go to the Maldives.

  23. Doc
    July 25, 2021 at 1:43 pm

    Excellent pts Seb πŸ‘πŸΌ