Credit Repair

743 Credit Score – 😱800 CREDIT SCORE DROP & JUMP OF 100 POINTS!!! – How to Increase Your Credit Score FAST (60 DAYS!)

743-credit-score-%f0%9f%98%b1800-credit-score-drop-jump-of-100-points-how-to-increase-your-credit-score-fast-60-days

743 Credit Score – 4 Tips

We’ve all heard about what makes up a credit score (hopefully, cause they skipped that lesson in high school…and college), but does it actually work?? Could it go up and down then back up again just as quick?

First I want to go over the main factors of your credit score very quickly. Studying for a test that’s tomorrow fast. Then go over what happened to me of how my score DROPPED 79 points then recovered in just 2 months!

1. Payment History 35%
2. Utilization 30%
3. Length of Credit History 15%
4. New Credit 10%
5. Credit Mix 10%

My story:

So I heard if you have very high utilization then pay it off it’ll jump right back up! So I did that…no I didn’t just rack up credit card debt for no reason to see if it would work so don’t tell Dave Ramsey.

I had a large purchase that increased my utilization from like 5% to over 75%. I had the cash so I would pay it off (relax), I didn’t just build up debt, I paid it off and got the rewards points. Cause I’m that guy, the guy credit card companies HATE!

So my credit score dropped like a rock, I felt a little nauseous, but when I paid it off my credit score increased / skyrocketed back up to EXACTLY where it was before. Cause I know there’s a lot of theory stuff out there so sometimes you just have to confirm it.

Moral of the story is utilization is a HUGE factor that you can increase your credit score fast! You can start using a debit card or cash so you utilize less credit to build up your score. You can see this works cause I’m 26 with over an 800 credit score…again. So good luck! 👍

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#CreditScore #IncreaseCredit #RealLife #Utilization

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19 Comments

  1. Nick Scuderi - RealLife Money
    July 26, 2021 at 11:59 pm

    Turns out the utilization trick is true guys! This can drastically help you improve your credit score! What score do you have and where do you want it to be? 🤔😄

  2. Hadam Shilesky
    July 26, 2021 at 11:59 pm

    Single mom; lost job of 15 years s ago; I GOT SCREWED by mortgage
    lender Seterus who gave me forbearance instead of income based payment
    plan; got screwed by Navient the same way gave me forbearance instead of
    income; my son had to leave college because i couldn't afford to pay
    anymore.mr park refered his crew bestcreditscorefixercollection
    atgmaildotcom to me , my score as at the was 523 (average. then). he
    started 1st round of the hack on March 2019. Scores improved to 606 and
    623 (FICO was higher). 12 negative accounts were removed including $120k
    in student loan debt from 2 of the 3 bureaus. 2nd round of the hack .
    BEST INVESTMENT EVER concerning getting my life back on track with my
    credit at the range of 750. I am close to refinancing , i'm sure he can
    help you fixed yours as well call or text 6016419313

  3. Hadam Shilesky
    July 26, 2021 at 11:59 pm

    Single mom; lost job of 15 years s ago; I GOT SCREWED by mortgage
    lender Seterus who gave me forbearance instead of income based payment
    plan; got screwed by Navient the same way gave me forbearance instead of
    income; my son had to leave college because i couldn't afford to pay
    anymore.mr park refered his crew bestcreditscorefixercollection
    atgmaildotcom to me , my score as at the was 523 (average. then). he
    started 1st round of the hack on March 2019. Scores improved to 606 and
    623 (FICO was higher). 12 negative accounts were removed including $120k
    in student loan debt from 2 of the 3 bureaus. 2nd round of the hack .
    BEST INVESTMENT EVER concerning getting my life back on track with my
    credit at the range of 750. I am close to refinancing , i'm sure he can
    help you fixed yours as well call or text 6016419313

  4. Hadam Shilesky
    July 26, 2021 at 11:59 pm

    Single mom; lost job of 15 years s ago; I GOT SCREWED by mortgage
    lender Seterus who gave me forbearance instead of income based payment
    plan; got screwed by Navient the same way gave me forbearance instead of
    income; my son had to leave college because i couldn't afford to pay
    anymore.mr park refered his crew bestcreditscorefixercollection
    atgmaildotcom to me , my score as at the was 523 (average. then). he
    started 1st round of the hack on March 2019. Scores improved to 606 and
    623 (FICO was higher). 12 negative accounts were removed including $120k
    in student loan debt from 2 of the 3 bureaus. 2nd round of the hack .
    BEST INVESTMENT EVER concerning getting my life back on track with my
    credit at the range of 750. I am close to refinancing , i'm sure he can
    help you fixed yours as well call or text 6016419313

  5. Hadam Shilesky
    July 26, 2021 at 11:59 pm

    Single mom; lost job of 15 years s ago; I GOT SCREWED by mortgage
    lender Seterus who gave me forbearance instead of income based payment
    plan; got screwed by Navient the same way gave me forbearance instead of
    income; my son had to leave college because i couldn't afford to pay
    anymore.mr park refered his crew bestcreditscorefixercollection
    atgmaildotcom to me , my score as at the was 523 (average. then). he
    started 1st round of the hack on March 2019. Scores improved to 606 and
    623 (FICO was higher). 12 negative accounts were removed including $120k
    in student loan debt from 2 of the 3 bureaus. 2nd round of the hack .
    BEST INVESTMENT EVER concerning getting my life back on track with my
    credit at the range of 750. I am close to refinancing , i'm sure he can
    help you fixed yours as well call or text 6016419313

  6. Hadam Shilesky
    July 26, 2021 at 11:59 pm

    Single mom; lost job of 15 years s ago; I GOT SCREWED by mortgage lender Seterus who gave me forbearance instead of income based payment plan; got screwed by Navient the same way gave me forbearance instead of income; my son had to leave college because i couldn't afford to pay anymore.mr park refered his crew bestcreditscorefixercollection atgmaildotcom to me , my score as at the was 523 (average. then). he started 1st round of the hack on March 2019. Scores improved to 606 and 623 (FICO was higher). 12 negative accounts were removed including $120k in student loan debt from 2 of the 3 bureaus. 2nd round of the hack . BEST INVESTMENT EVER concerning getting my life back on track with my credit at the range of 750. I am close to refinancing , i'm sure he can help you fixed yours as well call or text 6016419313

  7. Isabella Kate Garcia
    July 26, 2021 at 11:59 pm

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  8. Kirsty Hill
    July 26, 2021 at 11:59 pm

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    July 26, 2021 at 11:59 pm

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  10. Neno
    July 26, 2021 at 11:59 pm

    Did you paid that off by the closing date or due date? If you paid the big purchase off before closing date, it should not affected your credit score.

  11. Rebecca's Quest to FIRE
    July 26, 2021 at 11:59 pm

    Really great info! Credit scores are important… no matter what DR says lol.

  12. Eann
    July 26, 2021 at 11:59 pm

    I’m always trying to not use my credit cards. I keep them under 10% at all costs. That’s why I like the Discover cash back Debit card

  13. Pennies Not Perfection
    July 26, 2021 at 11:59 pm

    Great info for people working on credit! I think last time I checked my credit score was 820 or something around there. I need to talk about credit soon!

  14. Diann Thomas
    July 26, 2021 at 11:59 pm

    I had no idea credit scores would be hit that hard and that fast just making one large purchase. I wish I could make use of cash back offers, but it is too easy for me to get out of control with plastic in my wallet. I learned that about myself the hard way. Thanks once again for some good info!

  15. How Debbie Saves
    July 26, 2021 at 11:59 pm

    Nick credit card companies do not like me either. I love cash back rewards. In fact I used to have 2 cards with one bank & when another bank offered me a great deal for cash back, I stopped using those 2 cards I got a letter from them this year saying that if I don’t use the cards they’re going to cancel the account which of course will be a hit on my credit so every once in a while I’ll charge a tank of gas on them & then pay it off completely. Cash back rewards are also one of the things that we use for extra cash on the holidays. My video today talks about it. I love Using credit cards for our advantage & then paying them off completely so we don’t pay a dime in interest. LOL nice video!

  16. Josh Mackos - Financial Freedom
    July 26, 2021 at 11:59 pm

    My gf doesn't like credit cards and I always tell her to just open a credit card and not use it because utilization factor. But she never listens. Would help her credit score so much!

  17. Matty Boe
    July 26, 2021 at 11:59 pm

    nice i just got my credit score past 700

  18. Centsible Living With Money Mom
    July 26, 2021 at 11:59 pm

    great video, really good information

  19. Queentina Doire
    July 26, 2021 at 11:59 pm

    First comment yeah! Another great content.