Credit Repair

668 Credit Score – How to build your credit score.

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668 Credit Score – Best Deal Right Now?

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Most consumers use credit to buy cars. ALL consumers need to have a credit score. We talk about HOW banks look at more than your credit score to approve your loan.
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32 Comments

  1. Rubie the Subie
    July 29, 2021 at 6:22 pm

    What time do you run your live stream on Tuesdays?

  2. Rubie the Subie
    July 29, 2021 at 6:22 pm

    Southpaw discrimination Mike! 🤪🥸😆

  3. Mercedes Jutsine
    July 29, 2021 at 6:22 pm

    SolutionXHack remains the best credit expertise I have known. I had seven negative things on my credit that were holding me back. One of them is from Capital one another from Sears whom i paid of and i am not sure of the others but they are both 11 years old. I filled bankruptcy with all of this. My attention was called that they are still on my report which had made life had for me. I recently hot referred by my bank manager to hire SolutionX, then I did by send my email to ( fixxhackxspy@ gamail ● com )and they helped fixed my credit and my score increased by a huge leap of 260points in a short period of time than I thought off. I'm so much grateful to SolutionX and so much happy with the service render to help me out of my misery. I'm finally moving into my new home with my 3 beautiful daughter and kod ( my dog ).
    I recommend anyone who is interested and serious,that needs to fix his or her credit asap to get through with soultionx they are best. Send your email to fixxhackxspy@ gmail ● com or text +1 7 08 98 61 42 7 and also remember to thank me later .

  4. el 8370
    July 29, 2021 at 6:22 pm

    One question….why does chevy dealer(escondido S.D) does not take credit below 600. The truck was 28000. 6000 deposit.

  5. Joe Robbins
    July 29, 2021 at 6:22 pm

    Love the podcast and your other videos. I'm in Jacksonville NC and thinking of coming to your dealership to get a vehicle. You seem honest and legit.

  6. James Y. Gutowski
    July 29, 2021 at 6:22 pm

    I had a damaged credit issues which include the following: bankruptcy, eviction filling and outstanding rental balance, delinquent state and federal tax debts, a horribly low credit score which affect my credit report. Michael Gibbs from CREDIT PATCH UP LCC came to rescue me and He started the repair which he concluded within a week. He raised my score to 780+, payoff my debts and apply new credit cards with good limit. You can also search on [Gibbs@creditpatchup.com], He is a well known debt relief with a lot of experience.

  7. Raver Magik
    July 29, 2021 at 6:22 pm

    First before i hijack your thread.. Good stuff. ok Here comes the hijack.
    So capital one uses a FICO to Score the report for LENDING. The Score they give you in their "Credit wise" is a vantage because its CHEAPER to offer a million people it vs fico. if you want ALL your Fico scores (yes you have about 30 scores) then go to myfico.com
    you have auto scores, Mortgage scores, Loan scores, Bank scores, etc… NONE of them are tied to income… (pro tip you dont need a job to have good credit)
    Before fico, credit was not that large in the consumer arena because their was no central database of info. Stores had their own database and bought info from sellers but it wasnt standardized.
    Your Fico Score is basically your Trust score and Default score. The higher the number the less likely you are to default and the more they feel they can trust lending to you.
    Interest rates do not matter. They are done at the LENDERS side and not even factored in scores.
    another pro tip.. Do not put down a large amount as a down payment on ANYTHING. Do the bare min. The reason is your loan to value is 100 percent no matter WHAT you put down when you begin. Your better off putting down the min the bank wants, and then taking the REMAINING you were going to put down and put it as the FIRST payment.
    What this does is it destroys your interest on your loan, Lowers your loan to value on your credit report and helps you looks better credit wise. So if you were going to put down 8k on a car of 40k , but you have decent credit. Do the min (lets say 1k) and finance the reset (you owe 39k) then the first payment (your credit would say you owe 39k out of 39k) you pay 7kon the first payment (following month your report shows you owe 32k out of 39k) and you just destroyed the interest on the loan because most of that 7k went to pay down principle.
    I could teach you finance in a completely different way. Interest rate and length of loan dont matter. The only thing that matters is what that loan COSTS you in the end. You actually decide how much interest your going to pay. you can finance a car for 72 months and pay it off in 24 you will pay VERY little interest. YOU dont even have to be the one that pays it off. LOL. There is a gem in there if you can read between the lines. The issue with most… they do everything the way OTHERS tell them to which does not benefit them just the banks and the dealer. If they use math and realize They control the numbers and time.
    As far as a car being the best way to build your credit… i disagree.. why.. because a car loan is not revolving debt, its Installment debt. its worth 10 percent of your score for mix of credit and when that hits 7 years it falls off, or when you pay it off. Some banks wont leave the loan on there after its paid. So you lose the "history" once its paid. Yes its important.. but not the greatest way to build it.
    sorry i hijacked your thread. Just felt i should drop some knowledge for people who wish to learn how to better their financial picture. Interest is the tax you pay for thinking you have to follow their rules.

  8. Schaunda H
    July 29, 2021 at 6:22 pm

    Great advice 😊 i missed the part about how we can help our children’s credit.

  9. Rick Sanabria
    July 29, 2021 at 6:22 pm

    Great stuff. Question. In regards to credit. What is best… lease or financing?

  10. RobHill
    July 29, 2021 at 6:22 pm

    Thanks for the great advise

  11. James L
    July 29, 2021 at 6:22 pm

    Well, I sat through this. If I am ever in Kentucky, I'd stop by just to say hi. You're okey dokey.

  12. James L
    July 29, 2021 at 6:22 pm

    People should know what they want before going in a dealership, they should know what there scores are and in some cases get their financing before hand and always be willing to walk away or say no.

  13. Tyler Leiferman
    July 29, 2021 at 6:22 pm

    I keep seeing you say to put 20% down. If i have some negative equity do i need 20% of the vehicle i am trying to buy ? Or 20% of what i expect the total amount to be with negative equity?

  14. Mike Freigruber
    July 29, 2021 at 6:22 pm

    Mike mike from Michigan.

  15. Allan Gross
    July 29, 2021 at 6:22 pm

    Thank you for this video. Very helpful, Great Channel

  16. Patrick McCollum
    July 29, 2021 at 6:22 pm

    Dudette + Chevy equals Chevette, well not sure that's a great one

  17. John Kidnay
    July 29, 2021 at 6:22 pm

    Come on over to Maui. Maui No Ka Oi — Maui is the best.

  18. John Kidnay
    July 29, 2021 at 6:22 pm

    Great video. Have my grandkids view your broadcast every week. Granddaughter is ready to buy her first car on credit and will put $12,000 down on her vehicle. She is learning a lot. Mahalo for all the sound advice.

  19. greg blackford
    July 29, 2021 at 6:22 pm

    What is dumb is that your credit score decreases if you pay something off. I paid my Traverse off 3 months early and my credit score dropped 7 points.

  20. Albert M
    July 29, 2021 at 6:22 pm

    Always been cash and carry both cars and homes……..I hate, hate, hate paying interest. I know the car dealerships label us "deadbeats"……go figure…..

  21. Rafeal Johnson
    July 29, 2021 at 6:22 pm

    When can i order a new tahoe??????

  22. Michael Russell
    July 29, 2021 at 6:22 pm

    I am 61 on a pension, owe 80k on a house, and solar power. I dont have any Credit Card's and own my car outright. All my bills like Mortgage are either up to date or in advance. ie no bills are in arrears.
    I live in Australia so get free Medical, Hospital and for 9 months of the year free Medication. My Credit score is 855.

  23. RB Musser
    July 29, 2021 at 6:22 pm

    Bought a 2019 truck and dealer ran my credit score w/o my permission…got an alert on my phone of their deed. They were shocked and quickly wanted me to sign a waiver. Got a good deal on the truck….but credit score was in low 800's

  24. KILLER Muffin
    July 29, 2021 at 6:22 pm

    (219) 413-2612 on WhatsApp never failed me, he’s perfect 100%

  25. KILLER Muffin
    July 29, 2021 at 6:22 pm

    (219) 413-2612 on WhatsApp helped me boost my score successfully

  26. KILLER Muffin
    July 29, 2021 at 6:22 pm

    Yo Fam ❤️ I hired (219) 413-2612 on WhatsApp

  27. Mark Bartniski
    July 29, 2021 at 6:22 pm

    My last truck I purchased ended up to be the wrong trim level for me!
    How do I understand the difference in trim levels for a truck without getting scammed? Can I go to the dealership and ask to look at the trim levels????

  28. Christopher Sellars
    July 29, 2021 at 6:22 pm

    Is SELF good to rebuild credit?

  29. M Craige
    July 29, 2021 at 6:22 pm

    Mike, this was a very good "Podcast:, very informative! Thank you!

  30. DAZE
    July 29, 2021 at 6:22 pm

    Im looking at a Camaro with a 606 score. used of course. I see them for 30-34k possible to get financed? have 2 charge offs from like 3-4 years ago. but I'm looking at 15-20k down. will I be having issues? everything is paid off.

  31. Marco Gallo
    July 29, 2021 at 6:22 pm

    Great video Mike you both did awesome like always, I missed last week I don’t think there was alive but I’m glad it’s back to its normal day and time, I hope all is been going well with you and your wife and family and I are both having a good week so far, have an awesome Tuesday night chat more later.

  32. J Cunningham
    July 29, 2021 at 6:22 pm

    bs the court will give her all the cars and you will maybe get to keep the truck to sell to pay lawyers.