Credit Repair

704 Credit Score – Increase Your Credit Score To 800 In 6 Months Or Less


704 Credit Score – Highest Rated?

You have to increase your credit score to unlock some features that’ll help grow your net worth a lot faster. Since I reached a credit score of 816 I want to share with you some things that I’ve done to grow my score to over 800 points.

Excellent credit scores aren’t difficult to achieve, but there are some habits you need to have in place before you’ll get it. By the end of this video, you’ll know the tips and tricks that I’ve learned over the years.

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Disclaimer: This video is for educational purposes only. Please take all of my suggestions/recommendations and do your own research before making any decisions with your money. Contact a professional before trying anything that I talk about. I know you’re smart and you’ll use that big brain of yours 🙂

#800CreditScore #CreditHack

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    July 25, 2021 at 11:01 am

    Is it possible to reach 800 even tho my credit age is only 1 year and 2 months?

    July 25, 2021 at 11:01 am

    741 here! I use my CC for everything and pay it off every 5 days.

  3. Michael Swaim
    July 25, 2021 at 11:01 am

    Make multiple payments on your cards each month to keep utilization low. You say have 20% or 10% report. I saw 1% on one or two cards.

  4. Joy Joy
    July 25, 2021 at 11:01 am

    Just wait until the government takes complete control of credit scores and bureaus. I can't even imagine the mess. And honestly the current credit system is not that hard to get at all as long as your IQ is not below room temperature. If you really can't get it and aren't responsible enough to make it work, nobody should be lending you money anyways but try to reach out to Anonymoussolutionx . O rg to fix your credit report and get best things for yourself….

    July 25, 2021 at 11:01 am

    800 credit score at 18 years old…thanks to YouTube‼️School didn’t teach me much😢

  6. Love Kunis
    July 25, 2021 at 11:01 am

    I’ve been at 760 for awhile now :/ I’m thinking of opening a new credit card

  7. no hater kidd
    July 25, 2021 at 11:01 am

    So get a credit card an buy 100$ groceries a month an that’s it,don’t use the card that much

  8. nikita pinnix
    July 25, 2021 at 11:01 am

    What about secure credit will that work the same way in boosting it

  9. OgCritic
    July 25, 2021 at 11:01 am

    415 i believe is my score. Any bright ideas sir?

  10. I_am_Byakko
    July 25, 2021 at 11:01 am

    Keeping my credit limit at 10% or less… and paying all my payments on time.. when do you think I’ll reach a 680+? I am currently at a 652 on credit karma!

  11. Linus
    July 25, 2021 at 11:01 am

    Reached 850 last month. I pay it off in full a few times per week.

  12. JD Thompson
    July 25, 2021 at 11:01 am

    Good video! Agree on most everything you say. I’m in my mid-fifties and financially independent / retired and mine hovers around the 840s and has for decades. I keep my utilization around 3-4% and I charge every single thing I possibly can and maximize my cards to get max cash back on everything! I always get 5% on gas and 3-5% on groceries, for example. Never paid one penny in CC interest in 35 years! Cash back and a high credit score IS important. Makes a huge difference— cash rewards are free money! I have auto payments set up for every card that pays the full statement balance from my checking account each and every month. I hate debit cards and NEVER use them! It’s true some people cannot handle credit cards properly and probably should avoid them for their own good!! But if you are responsible, credit cards are pure gold paving the road to financial independence! I don’t feel any debt is really “good” unless it’s to purchase a home that is truly what you need and you plan to eventually pay off prior to retiring. In your 20s to 40s a mortgage can be a good thing and allow you to save and invest more money while you are young (granted you put at least 20% down and pay off within 15-20 years)? It only really turns into a bad debt when you want to retire or get into your 50s in my opinion. Being debt and mortgage free eventually does wonders for your cash flow, boosts saving rate, and reduces required income to live in like crazy! This is a big key to FIRE.

  13. Walter Harris
    July 25, 2021 at 11:01 am

    Man your 😄

  14. Jbird
    July 25, 2021 at 11:01 am

    I’m 44 Uncle Jared gave me the creeps bro lmao, picturing you as my uncle, not you personally lol.

  15. Caridad Ramos
    July 25, 2021 at 11:01 am

    My credit score is 772 and it doesn’t wanna go any higher !!!! 😫

  16. kankerdoodle b
    July 25, 2021 at 11:01 am

    my score is 830…I follow most of what you've recommended for years…I've got the perfect date for you…coworker who is a beautiful strawberry blonde, fun and her dad is a major league umpire!

  17. Jarrad Morrow
    July 25, 2021 at 11:01 am

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  18. Rebecca's Quest to FIRE
    July 25, 2021 at 11:01 am

    He’s right folks, listen up!! And Jarrad, an 850 score WILL get you dates, but probably not from the type of women you deserve!🤣😂

  19. scemat
    July 25, 2021 at 11:01 am

    Not everyone can reach 800 FICO in 6 months, even if they start in good standing with their credit. I'm doing all that for years and I'm close but not over 800 (I am over 800 in Credit Karma and the like but that's VantageScore, FICO is 10-20 points lower for most people). The main reason is credit age (oldest account is 6 years old) and that I keep getting new credit cards once or twice a year, so average age is 3.5 years.

  20. Felicia Felicia
    July 25, 2021 at 11:01 am

    I'm not adult enough yet to follow these tips😂.
    Until then, cash it is.
    3 months and 10k paid off in debt(credit cards). I have 65k left to go.
    While I could get a second job, I value time with my kids.

  21. Nick Peitsch – Investing Engineered
    July 25, 2021 at 11:01 am

    Many people don’t realize that credit is built on 5 different factors!

    My mom laughed at me when I told her that’s how it worked. She didn’t believe me.

  22. Bre P
    July 25, 2021 at 11:01 am

    Inspirational and sexy, such a good mix, Thank you Baby blues!!

  23. Honest Finance
    July 25, 2021 at 11:01 am

    Great video!! Thanks for sharing

  24. John Turner Jr
    July 25, 2021 at 11:01 am

    Who feels bad for Post Malone!? You've gotta be kidding me Jarrad. 😄 I'm somewhere north of 810 and would be higher if I wasn't using leverage.

  25. George Castillo
    July 25, 2021 at 11:01 am

    Jarrad, another reason credit cards are better than debit cards are because of stolen numbers. It is a lot easier to notify your card company to challenge purchases that you didn't make with a credit card, than it is to try and recoup money that has been drained from your bank account due to a debit card being stolen. My score was at 830, but a dump truck totaled my car and I had to buy a new one. Since the dealership was offering a juicy rebate if I financed with their auto finance company, I did to get that sweet, sweet rebate discount. However, I immediately refinanced with my bank to make paying off the car easier. Now my score is at 796, but it will move up fast, I'm sure.

    Great advice on the video! I am able to see my score pretty easily through both of my banks. They offer the score for free, and it's useful to make sure my identity hasn't been stolen (since I was one of those hit by the GSA data breach, as well as others). You should check with your bank to see if they offer it as a benefit.

  26. The Genius Marketer
    July 25, 2021 at 11:01 am