Credit Repair

710 Credit Score – How I Improved My Credit Score From 500s To 710 In 11 Months – MyFico,

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710 Credit Score – How to Choose

Video by Certified FICO Professional Calvin O’Neal Russell Jr. If you have any questions, be sure to email me info@the850club.com.

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50 Comments

  1. Lori Harvey
    July 27, 2021 at 5:34 am

    Mr. Calvin literally gave me a fresh start. Before, I was stressed out and exhausted from being turned down from lender to lender. As of now, I'm currently in the phase of purchasing a home, after Mr. Calvin restored my credit to excellent across all the bureaus. I'm more confident and I feel more secure. I want to extend a very big THANK YOU to ERNSTCALVIN🟡NET and recommend them to everyone who needs help and is struggling with bad or average credit, Mr. Calvin is the best and most reliable I Recommend.

  2. Finn wolfhard Anthony
    July 27, 2021 at 5:34 am

    Can yu tell me what I need to do my credit score is 587

  3. George Magana
    July 27, 2021 at 5:34 am

    Nice video! I don’t need any help, just wanna show my support! Stay safe everyone!

  4. Simone Woodberry
    July 27, 2021 at 5:34 am

    Great Video. Thanks so much i watched your other video and applied for Capital one Platinum Fico Score is just 567 , i had got Credit one the other day. Now im closing it. Thanks for your advice. Im Shocked and Happy

  5. Chance Harrington
    July 27, 2021 at 5:34 am

    Great information Thanks

  6. Deborah Taylor
    July 27, 2021 at 5:34 am

    Good Morning… North Carolina

  7. THEREALSHO-TIME23
    July 27, 2021 at 5:34 am

    I was a memebrr and hineothey did not do anything all they want u do to is add credit on your report. Even though I had 10 credit cards in good standings they always say add this add that. They not that hood f.y.I

  8. Patrick Wilson
    July 27, 2021 at 5:34 am

    I have $115 Progressive Insurance charged me after I cancelled my policy of my insurance they're saying that I still owe $115 I just want to be over done with and just pay it off they done send it to my credit how would I get it off my credit they will not do a pay for delete. What would I do to get them to take it off and yes they do not have none of my signatures no nothing it's a long story I just want it off my credit

  9. Tiffany Tarrant
    July 27, 2021 at 5:34 am

    I would like a free credit evaluation

  10. D A Henry
    July 27, 2021 at 5:34 am

    Replay

  11. Deborah Taylor
    July 27, 2021 at 5:34 am

    Hello… I am having a hard time trying to email you. Can you please give out email address again. Thanks

  12. Simone Woodberry
    July 27, 2021 at 5:34 am

    Great Info! I appreciate you. Love your Energy

  13. Gilbert Allen Lloyd
    July 27, 2021 at 5:34 am

    Way, way, way too much rambling!

  14. Sylvia Augustine
    July 27, 2021 at 5:34 am

    Thanks for information

  15. DeNeen J
    July 27, 2021 at 5:34 am

    So you said don’t pay for gas or buy groceries with the secured card….ok so what do you buy????

  16. Moneca R
    July 27, 2021 at 5:34 am

    Great information. I’m from Seattle

  17. Honey B
    July 27, 2021 at 5:34 am

    Great video

  18. janet gilpin
    July 27, 2021 at 5:34 am

    goodmorning . i had one item on my credit away from my student loan. It my first credit card and i borrow $500 how do i get rid of this to build my credit i am ready to go on my own

  19. Jorge Romero
    July 27, 2021 at 5:34 am

    From florida

  20. Jacqueline Golden
    July 27, 2021 at 5:34 am

    Replay and New SUBSCRIBER from Tennessee!

  21. D. Moreira
    July 27, 2021 at 5:34 am

    YouTube is what helped me to get my credit straight. If it hadn’t been for YouTube I would probably still have bad credit.

  22. royland walker
    July 27, 2021 at 5:34 am

    Man you are HELLA funny 💯

  23. Loonie Toon
    July 27, 2021 at 5:34 am

    Bruuuuuuh love your videos, just found'chu today, wish I had found'chuu when I first started this credit Game 7 months ago. On my own Got reed of negative items on my reportl. If I had been on you sooner I would be farther along than I am today, 580 to a 670. Yeah its fa sho, um a subscriber. Peace and Love.

  24. Joey Arthur Zooberry
    July 27, 2021 at 5:34 am

    What if your debts are from a time where you had much more income coming in, and as such you could never come close to even settling them for a fraction of their amount because you don’t make as much money anymore?? In that case, I simply have no choice but to let those ones be and do business with whoever’s left, in the future.

    However, some of my greatest debts which I’m referring to, were charged off but not sold to another collector; can these even be paid off? How does one go about reestablishing a relationship with a financial institution after a charge-off, especially one that didn’t ever get sold to a collection company and therefore is NOT showing as an amount currently owed on your credit report anyway. What’s the point? Will they not start to give you another chance in another 5-10 years even..?

    Of the massive amount of debts I had when I went out of business and defaulted on literally everything, I only have present a mere fraction of the charge offs that were sold to other collectors. Would you recommend I try to pay off/settle and/or dispute some of these, since the total in active collections is finally a bit more achievable for me these days. I’ve been really fascinated with having a deeper understanding of consumer credit lately, as someone who “had it all” at one point due to being privileged, but didn’t really understand how to maintain my stellar credit once left to my own devices and having such poor emotional intelligence.

  25. Carey Watkins
    July 27, 2021 at 5:34 am

    My wife and i just signed up today 3/18/20. Our goal is to purchase our first home within the next 12 months. We would also like to get approved for at least one high credit limit CC. LETS GOOOOOO

  26. Denzell Mims
    July 27, 2021 at 5:34 am

    Chicago

  27. Mimi_MPR Mimiosa
    July 27, 2021 at 5:34 am

    Im glad you said everyone credit is different. I was following another person on YT. I went to my CU to apply for a secured CC and was denied. I was so depressed that I applied for an Amex delta gold, Discover, and another Cap one. All approved all unsecured. The Open Sky account which is secured will never graduate nor give me my money back unless I close it. Total lines in credit $7300. But I need my scores increased. I have medical bills on my report. Can you help?

  28. meanbean98
    July 27, 2021 at 5:34 am

    why is it that many sites say that 35 percent of your fico score is car loans personal loans and or mortgage loans they say that it helps your credit to have one of them especially if you don't have a fico score or to get one you need to get one of these loans ..please let me know if you are just starting out and have you have nothing on your credit yet just a couple of secured cards when can you do?

  29. Kevin Atkinson
    July 27, 2021 at 5:34 am

    So I know credit karma isn’t accurate, but I feel like it’s a good tool to see some progress. I went from a horrid 450 to 610 so far, still working on it. When I logged into my credit karma this morning it said my scores dropped by 130 points. Shows no Changes but still dropped. My Experian app hasn’t updated yet so I’m not sure what m more accurate score is however 130 point drop on credit karma with no changes seems odd

  30. Clara Bartha
    July 27, 2021 at 5:34 am

    Do you deal with Canadian clients Calvin? thanks

  31. Clara Bartha
    July 27, 2021 at 5:34 am

    Replay October 16th/19 – Nice to hear your personal story. I was always responsible when it comes to money but did not know about secured credit cards back when I would have liked to have built credit beyond my student loans. I struggled to get my first card when I was approved at 27 years old but had to wait til that first full time job, or else, was not approved and was so depressed about it. Back then, I knew pretty much nothing about credit (incl. secured cards which might hvae helped) except what not to do which my dad did with high consumer rates and cards, compared to what I know now with all the online learning and personal experience. Your channel is helpful in putting the pieces together and learning something new like 'secured' credit cards.

  32. Shumiko Fields
    July 27, 2021 at 5:34 am

    Replay/Ohio/09/28/19

  33. Road Dogs Dirt Relief
    July 27, 2021 at 5:34 am

    Replay love for your content

  34. Angela Bass
    July 27, 2021 at 5:34 am

    Replay/Arkansas

  35. Krystal Quarles
    July 27, 2021 at 5:34 am

    Replay Chicago/Vegas

  36. Amazing Grace1432
    July 27, 2021 at 5:34 am

    Replay Florida 6/24/2019

  37. cooljc26
    July 27, 2021 at 5:34 am

    Replay 6/18/2019

  38. Tania P
    July 27, 2021 at 5:34 am

    I need an evaluation

  39. Loading a new life
    July 27, 2021 at 5:34 am

    Norristown pa

  40. Tamara George
    July 27, 2021 at 5:34 am

    I came across your channel it has been very helpful i do have a question a collection agency validated a debt i had with a cable company, do i pay the collection agency or pay the creditor directly?

  41. Lando CalrisiaN
    July 27, 2021 at 5:34 am

    Calvin, I love your energy man. So glad I subscribed.

  42. Lando CalrisiaN
    July 27, 2021 at 5:34 am

    Replay/April Fools 2019!!!

  43. Tarshal Edwards
    July 27, 2021 at 5:34 am

    Replay

  44. Veronica Key
    July 27, 2021 at 5:34 am

    I have a question I have 5 negatives on my report that I paid .they are all o balance that I made agreement on will that hurt my credit score

  45. Damon Brown
    July 27, 2021 at 5:34 am

    ***REPLAY***DALLAS TEXAS

  46. Players Choice Mounds
    July 27, 2021 at 5:34 am

    Great video

  47. Jerrone Bates
    July 27, 2021 at 5:34 am

    Replay

  48. Chef Big Askew
    July 27, 2021 at 5:34 am

    Well done I will contact you shortly

  49. Ms E
    July 27, 2021 at 5:34 am

    Replay CA

  50. Aundrea Barnett
    July 27, 2021 at 5:34 am

    Watching Replay – Illinois