Credit Repair

643 Credit Score – Get the Perfect Credit Score 2021

643-credit-score-get-the-perfect-credit-score-2021

643 Credit Score – Highest Rated?

Get the Perfect Credit Score 2021! Increase Credit Score Fast! I go over how to get the perfect credit score in 2021 ! Some of these tips will even increase your credit score overnight. If you follow my tips, you will see a drastic increase in your credit score in 30 days. Keep watching!

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Pay On Time
There are five factors that determine what your credit score is. The most important factor is Payment History. Your Payment History makes up 35% of your credit score. Payment history is a credit of how many payments you’ve made towards your credit cards and loans and is the SINGLE BIGGEST factor that influences your credit score.
In order to increase your credit score so that you get the perfect credit score, you need to always pay on time and NEVER miss a payment. Missing one payment can drastically hurt your score. Never miss a payment. Set payments to automatic and set reminders. If you can’t afford to pay off your credit card, pay the minimum. Your Payment History won’t get dinged if you only pay the minimum. By simply making your payments on time, your credit score will for sure increase and you’ll have an amazing credit score.

Low Credit Utilization
The next tip to increase your credit score fast and get the perfect credit score this year is by keeping your credit card utilization low. Amount of Debt Owed makes up 30% of your credit score. This includes how much debt you owe, installment loans, and how much of your credit you are actually using. One of the easiest ways to increase your score is by keeping a low balance on your credit card. You want to ONLY use a fraction of your credit cards. There are some
articles and videos out there that say a credit utilization of 30% is good but that’s not gonna help you. If you want a pristine credit score, you gotta aim to use less than 10%. There are articles out there that’ll say it’s good to leave a balance on your credit card and that it’ll increase your score but that’s NOT TRUE. You don’t ever leave a balance on your cards as you’ll pay interest that you don’t need to pay. Your credit will be good, trust me.

Experian Boost
This next tip will increase your score in 5 minutes and is honestly slept on by most people. And that is by using Experian Boost. Experian Boost helps consumers instantly improve their FICO Score by giving them credit for on-time utility, telecom, and streaming service payments. Meaning if you make your rent on time, your phone bill on time or even your Netflix account on time and you use Experian Boost which is a free service, your credit score can increase literally in 5 minutes. According to the Experian.com website, users who used Experian Boost improved their credit score by 13 points. I know this will help you out. It’s free and it won’t hurt to check and hey your credit score could increase by 13 points or more.

Long Credit History
The next part of a perfect credit score is a long credit history. Length of Credit History makes up 15% of your credit score. This shows lenders you have an established record for managing your debt. If you have a short credit history, then it’s harder for creditors to judge your behavior, deeming you more of a risk. Now, even though this video is about “how to get the perfect credit score FAST”, there really is no fast way to speed up how long your credit history is. I wish there was. Just open up a credit card as soon as possible and then be patient.

Credit Mix and New Credit
The last two parts of your Credit Score are New Credit and Credit Mix, each making up 10% of your score. So, if you’re trying to get the perfect credit score. And if you’re trying to increase your score because you are planning on buying a house ( you’re trying to pull out a mortgage in the near future)… Don’t apply for new credit! Every time your credit file is reviewed for a new credit card or loan application, it’s documented. These stay on your report for two years but only negatively impact your score for the first year.

TIMESTAMPS
0:00 – Introduction
0:57 – Pay On Time
3:06 – Low Credit Utilization
6:14 – Experian Boost
7:33 – Long Credit History
9:45 – Credit Mix and New Credit

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23 Comments

  1. Xena Kai Finance Videos
    July 25, 2021 at 5:09 am

    Don't forget to leave a comment and subscribe!!! It helps out my channel A LOT!!! THANK YOU!!

  2. Scott Meijer
    July 25, 2021 at 5:09 am

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    July 25, 2021 at 5:09 am

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  6. Petes Hogan
    July 25, 2021 at 5:09 am

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    July 25, 2021 at 5:09 am

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  13. Josh Is On A Mission: FIRE & Debt
    July 25, 2021 at 5:09 am

    so glad youre talking about this, so many people don't pay enough attention to their credit scores.

  14. Jorge _
    July 25, 2021 at 5:09 am

    Love the my hero academia funko pop

  15. Dow's Stock Talk
    July 25, 2021 at 5:09 am

    Great video I was not familiar with Experian Boost. Good point it is hard to recover from miss payments

  16. Mavutive Personal Finance & Lifestyle
    July 25, 2021 at 5:09 am

    Honestly so glad that we don’t have to stress out about credit scores here in Belgium. 🇧🇪 You’re always sharing the best tips here !

  17. vin khtakev
    July 25, 2021 at 5:09 am

    Hi friend 😊+1

  18. Jose Rojas
    July 25, 2021 at 5:09 am

    This is how I Increase my credit score as well! Good timing for this video to help others build their credit score this year 🙂

  19. LeighaLeighton
    July 25, 2021 at 5:09 am

    You're so right! 💕💕😻

  20. Scott Edward
    July 25, 2021 at 5:09 am

    It's so important to have good credit! I started with 1 mortgage, 1 credit card, and 1 auto loan. And I got into the 800s after a while. Also never heard of Experian Boost… good to know!

  21. Finance Made Simple - Personal Finance Channel
    July 25, 2021 at 5:09 am

    The elusive 850 credit score, its like a unicorn. Another great vid with very useful tips!

  22. Daddy Debt
    July 25, 2021 at 5:09 am

    Well said, I love your tips and some people forget how important a credit score is.

  23. Dariele Iremedio
    July 25, 2021 at 5:09 am

    The credit utilization information was clutch. I needed that simple breakdown 😅 Good looks 🔥🔥🔥