[Credit hack] Fix Credit SCORE Fast 600 to 800 in 30 Days [Credit Repair]

0
caption

here equal mine it's why this is 41 and equal 16 it shot up to a seven fifty five weeks later we're here at made first 736 and then I mean I broke into that 800 right June 25th of 2019 news out of 638 July 2nd 2019 and was out of 638 here's my score as of July 9 to 2019 so it has gone up quadrant 22 points [Music] hey guys welcome back it's cheap you know that old saying it takes money to make money what if you don't have any then you can't make any money right wrong there's this thing called credit but if you have bad credit that's a problem and I'll help you solve that today I'll help you get from a mid 600 up to eight hundred within thirty days or less thank God we're in the greatest country in the world we have an established banking system art banking and credit system is a modern phenomenon it beats all the other countries out there so that's how I got started with my B & B business or short term rental business back in early 2018 for those of you who are new here I had a mortgage business that crash late 2017 I was dead broke had no money left to get started but through credit I was able to raise two hundred and fifty thousand dollars through personal and business credit within a week to launch my business and today I'm going to show you how to do the same with that said here's Professor cheap oh there you are today you guys just can't stop bothering me can you anyways you're looking to start your business you ain't got no money and your credit is shot what are you gonna do well professor Qi is gonna help you today we're trying to get funding with a terrible credit score is to try to make pizza with no marinara sauce or cheese see what I did there so I'm honestly excited for you right you're ready to start your business and before we get there though you have to understand how that gets your score high and you might even have a slice or two to share with a friend speaking of [ __ ] if you like this video share that right so number one most of you guys probably know about history that's when you pay your bills on time and when you do your score goes up when you're late your score goes down in other words if you borrow my Star Trek DVDs you better return them on time if you want good credit number two alright it's credit inquiry so are you being a credit losing ask yourself that every single time if you're applying for credit everywhere nobody is going to take a chance on you every time you apply for credit it's recorded so number three this last one was a mystery to me until just a few years ago it's called credit utilization it's fun to learn new things Anna alright now imagine this why don't you borrow a pizza right and this piece I has ten slices every slice it should be you're gonna have to pay me back at that slice plus some interest or geez the more of my pizza that you eat the more likely you won't be able to pay me back at least that's how the banks in seeing the more you use your credit lines the more likely you become a higher risk to them so do you get it even though you have credit lines available you can't really use them the more you use them the lower your score go as far as utilization goes a good rule of thumb is 35% keeping 35% of your available credit line and under and your score will be high for example you can look at some of these results from my past students after they fix their credit and they lower their utilization 25th of 2019 news out of 638 July 2nd 2019 know is out of 638 here's my score as of July 9th 2019 so it has gone up a hundred 22 points a fund-raising powered credit can jump so fast in just 30 days these people went from 600 to 800 FICO okay so now that you understand what impacts your credit let's talk about how you can fix it in 30 days or less for that we're going to invest your cheap I can't believe it but never fast accenture to me what does he think I'm sitting here all day and doing nothing I can't believe it anyway since you guys I hear you might as well learn how to use your credit properly otherwise you'll just be a bum on the street alright so what I want you to understand is you need to know what it is you are applying for okay pay attention to this look at this Visa logo right here this is the lowest tier of the visa car it's called these Platinum okay thanks holy land on what other banks have already lent you so if you apply for a bunch of though to your car guess what they're only going to approve you for go to your cards so pay attention look at this Terms of Service right here okay I want you to look at it read it right here what is this a if a proof or a visa platinum card you will get $500 or more guarantee so if you only have a bunch of finder card guess what the banks will give you five hundred dollars no matter what you apply more so next I want you to pay attention to this logo this is what visa signature now I want you to look at this Terms of Service it says if you qualify for a visa signature card what do you get at least according to $5,000 right that's a lot more it's ten times more so from now on I never want you to apply for another Visa Card ever again no more visa plan only signature anima so the very last year that you have is called Visa Infinite cake now this double card is for people were very well established credit only they won't approve you in the other one but these cards can easily go up to $100,000 with just one card so with I said I'm gonna turn you back over to that bum the professor because I don't have any more time for you okay guys there you have it if you have no weights no collections but you still have a low credit score it's probably because you have high utilization so you will need to pay your balances down to zero and when you do your scores will skyrocket I know I know I'm talking about paying down your debt and you don't have any money right or geez don't get your suspenders caught up in your but I'm gonna show you how you can do it right now without spending any of your own money so for you to do this properly the first thing we're gonna do is look up your Credit Karma report don't get it from Experian don't get it from TransUnion or echo [ __ ] it from Credit Karma see see banks are lazy and credit bureaus are busy they both want to do as little as possible when reporting your credit because you know that you can use it to your advantage so for example take a look at the screenshot I want you to pay attention to the part that says report date that account reports the credit bureau at the exact same day every single month so whatever your balance is at that day is the number that they're going to report you follow so say for example if you have $10,000 available to you in your full credit line and if you spend all ten if the banks report ten and you pay it off the very next day it's going to show $10,000 balanced until their reports again the following month the reverse is true if you have no balance and then you spend all $10,000 the next day it's going to show zero balance until it reports again on that exact same day you understand that means as soon as they report your balance you have 30 days to spend all that money and the balance will be the same so you can take that golden window and move that G's from one account to another credit account and not spend any of your own money and have them all reflect zero balance if you do it right so but now you're probably wondering oh that means I'm doing a cash advance I'll incur a lot of fees right no no no I'm not gonna teach you how to do a cash advance and put you further in debt I'm gonna teach you something more any better now before we get into it here's a disclaimer all this is for educational purposes only if you decide to take action you are responsible for yourself okay before we get into manufactured spending there are three cows oaks that I want to tell you before we go so what do you call a cow with a twitch beef jerky what do you call a cow that gets knighted sirloin okay so last one what do you call cow with three legs tri-tip buns without it reporting to your bank again whatever monies they have that's available you can use that to buy them these are gift card visa debit gift cards from Simon ma what you need to do is go to Google and find the nearest location – you go to their concierge center and by Visa gift cards up to one thousand dollars at a time there's a small fee and you'll need to pay once you have these gift cards you can buy as many as you need to fix your credit or to transfer all your balances so they all reflect zero then they take your gift cards you go to the Walmart money center and you can buy up to $4,000 per day of tech shears check once you have the cashiers check you can walk very proudly into your bank take that deposit that money into your checking account now you can pay off the bill that is reporting next does that make sense if it doesn't rewatch it again and again until it does if you've done this process right you will have successfully paid off all your debts in the eyes of the credit bureaus without using your own money you pay very little and fees for the Visa gift card and the cashier's check it'll lower all your debt down to zero utilization so now you can apply for big credit lines with the banks all right now we're done with our lesson [Music] guys the professor and the investor drops so much knowledge on you I'm just gonna summarize it the first thing you're gonna do again is get Credit Karma on your report you want to organize your reporting dates for your credit accounts okay so from the beginning of the month until the end of the month in that order and then you're always going to be paying off the account that is reporting next so for example if today is the first of the month and your next account is reported on your credit account on the fifth that's the account you're gonna pay off first so the accounts that you can use to pay off the account on the fifth is any account from the 30th and back because if today was the first that's just an example okay next once you determine how much in credit lines you have available through all your other accounts you go and look for a Simon mall Google Simon mall go to the nearest location towards you go to their concierge center and buy Visa gift cards with those Visa gift cards you can go to Walmart and buy your cashier's check with your cashier's check you can then the pause of that into your checking account using your checking account to pay your account on the fit after the fifth rows over that entire account now should reflect a zero balance and it'll say zero for the next 30 days regardless of how much money you spend on that account you can repeat that same process now take the account on the fifth I pay your next account say for example that's on the tenth you can keep the cycle going until the full 30 days all your accounts reflect zero if you've completed this process correctly your credit score should jump from a mid 600 up to nearly eight hundred and above within 30 days or less okay if you guys want me to personally guide you through this entire process and show you other ways where you can cash out your accounts without it reflecting a cash advance feel free to write me drop me a message here on YouTube Facebook or Instagram all at the b-and-b University and the next video I'm going to show you guys how to apply for money a specific way what accounts to apply for it to get the most amount of money okay so check out if you haven't subscribed make sure you subscribe like and comment see you soon [Music] you

[Credit hack] Fix Credit SCORE Fast 600 to 800 in 30 Days [Credit Repair]

As found on YouTube – Creative Commons License