Credit Repair

Is 743 A Good Credit Score – Is an 850 Credit Score Worth it? | Does it really matter?

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Is 743 A Good Credit Score – How to Choose

In this video I discuss how I was able to reach an 850 credit score and why I don’t think it is a big deal.

Things that led to a perfect credit score:
– never missing a payment since owning a credit card
– having multiple lines of credit
– having a big loan from college but paying on time each month
– discipline to not over use my credit cards on consumer goods

Interesting enough once I paid off my college loan my credit dropped. It didn’t bother me though because I find consumer credit to be very dumb. I hate debt, and always will unless its business debt that is used to increase transactions aka profits.

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19 Comments

  1. Caffeine&Charts
    July 25, 2021 at 9:46 pm

    "When I was young, people lived from paycheck to paycheck. Today, it seems like they live from credit card payment to credit card payment."

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    July 25, 2021 at 9:46 pm

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    July 25, 2021 at 9:46 pm

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    July 25, 2021 at 9:46 pm

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  11. 666dynomax
    July 25, 2021 at 9:46 pm

    i agree, with a score like yours, it means nothing except i was dumb enough to borrow a bunch of money, pay it off sooooo what… i can borrow more money again and pay it off? i don't do that anymore… that wheel got real old… now i just pay everything cash and move on, slowly paying additional on the home and maybe that will be done some day.

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    July 25, 2021 at 9:46 pm

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    July 25, 2021 at 9:46 pm

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  17. Julio C
    July 25, 2021 at 9:46 pm

    Great job!
    Very helpful video. It seems that banks value more credit than what you have in your savings account

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    July 25, 2021 at 9:46 pm

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  19. silver Rodriguez
    July 25, 2021 at 9:46 pm

    Do you have any recommendations on any good Credit Cards to have for example Big Bank cards or Credit Unions?