25 Comments

  1. Kirk Daniels
    July 30, 2021 at 9:00 am

    What if you have credit cards but never use them. Is that good, or do I need to use them?

  2. Cal Mill
    July 30, 2021 at 9:00 am

    This Is Gold. 🔥🔥🔥🔥🔥🔥🔥👌🏾👌🏾👌🏾👌🏾 Great Job Dude. #NewSubscriber

  3. Chris Elsen
    July 30, 2021 at 9:00 am

    How does it affect your score when you upgrade your oldest card to a different card with a new number? Like going from a Chase Freedom to a Chase Sapphire preferred.

  4. Cool_Cat007 Smoove
    July 30, 2021 at 9:00 am

    If you paid all your bills on time., you can still get a low credit score. The call people who paid their bills on time they call them “ Dead Beats “. They don’t make money off of them.

  5. Monica Johnson
    July 30, 2021 at 9:00 am

    New Sub! Great channel with great info! 👍

  6. Literary Artist
    July 30, 2021 at 9:00 am

    Thank you so much for this information. Very eye opening. But I'm confused as how to build my Tier system in a short amount of time if I could only do two hard inquires max without negatively affecting my score. I'm already starting pretty late (mid-thirties).

  7. Angel Martinez
    July 30, 2021 at 9:00 am

    I have a question, does credit utilization apply to even secured credit cards? in my case that my limit is 400$ because of my deposit.

  8. Oompel Dorft
    July 30, 2021 at 9:00 am

    Jew magic is a way to affect another’s credit score

  9. Lava Yuki
    July 30, 2021 at 9:00 am

    I have a direct debit set up so i always pay in full, and get weekly text messages about how much credit I have left so I can keep on top of it and not go over. My credit history is only a year though

  10. The Gamer 21
    July 30, 2021 at 9:00 am

    got capital one platinum secured card 4 years with it 2 month late payments should I closed it ? capital one won't give me line increase. thanks

  11. JAMIE STROUD
    July 30, 2021 at 9:00 am

    Excellent summary! It took me a surprisingly, and unfortunately, long time to find this info. Thanks for putting it out there.

  12. Marcial Bode
    July 30, 2021 at 9:00 am

    What about collections

  13. Brian Nicholson
    July 30, 2021 at 9:00 am

    This is for UK in the United States acquiring interest has nothing to do with you credit scores as long as you’re making the minimum payment

  14. Justin_Lee 300
    July 30, 2021 at 9:00 am

    Does opening another bank account affect credit? If I wanted to move from Wells Fargo bank to Discover, checking and savings would that affect my credit?

  15. Richard Torres
    July 30, 2021 at 9:00 am

    why is it 30% though?

  16. Leto VandenBerg
    July 30, 2021 at 9:00 am

    Hey, I have a question. I have student loans that were shuffled between different companies over the years, but when I checked my credit report (as per your videos recommendations), I saw that the original companies that held said loans listed that the accounts for them were closed. but the account wasn't closed, it was simply transferred to another company to collect on it. While it's listed as "low impact" on my account, is there anything I can do about them?

  17. Audrey Griffin
    July 30, 2021 at 9:00 am

    Most credit repair company aren't really effective any longer. Creditors realize that credit reporting is their primary defense or weapon to use against people who fail to pay. Therefore, they have become much more vigilant in answering disputes to the bureaus. Sure, you may get a few things dropped, but if your credit report is really damaged, the only thing that will help is getting a professional specialist.
    I highly recommend hackdomainbestwizz@tutamail.com for your financial status restoration from foreclosure, student loan, card debts, evictions, bankruptcy, inquiries, and other negative items on credit reports. Talk to hackdomainbestwizz@tutamail.com and be sure to smile at the end.

  18. lightgear456
    July 30, 2021 at 9:00 am

    Greetings from the UK, I understand your reporting on the US market. Are UK credit scores calculated in the same way?

  19. GabylannGsxr PR
    July 30, 2021 at 9:00 am

    New sub! Great info great channel! Thanks!!!

  20. Eric Donovan
    July 30, 2021 at 9:00 am

    My American Express charge card reports every month to the credit bureau, it reports what my highest balance was, what it was the last month, and what it was this month after payment, and shows if I made or didn't make payments every month. I use my charge card for almost everything though so it doesn't affect my utilization, I have about $38,000 in available credit and a 4% utilization because I make sure to buy one thing on each card every month (revolving cards), but I use charge cards for every single purchase because I like the points. Just thought I'd throw that in there for anyone it might help.

  21. Ivy Agnes Nguyen
    July 30, 2021 at 9:00 am

    Us college students may have a small advantage if we have loans that are being paid / in good standing that have been open since we started, as this can cause one's credit file to go back to the time they got their 1st student loan. This can also allow you to have that category of instalment loan on your credit report in addition to your credit cards w/o taking on a big mortgage or auto loan.

  22. Oscar Perez
    July 30, 2021 at 9:00 am

    If I have a card with rewards, making several payments a month, Will keep my utilization ratio low enough to improve my credit score?

  23. Baybeeh Mushie
    July 30, 2021 at 9:00 am

    Subscribed✔️

  24. Marek Skawiński
    July 30, 2021 at 9:00 am

    Nowadays there's social scoring. Money lender scans your social media accounts.

  25. Darian Williams
    July 30, 2021 at 9:00 am

    you stated in another vid your credit history was less than a yr old?so HOW did you get around "age/length of credit accounts"??????