Credit Repair

Credit Score 795 – How to get a PERFECT credit score for CANADIANS for $0 in 2021


Credit Score 795 – 3 Tips

This is EXACTLY how you can improve your credit score fast! I explain my journey getting an 848 credit score. It is easily possible and absolutely free. I’ll also explain why it is not wise to try to get a perfect credit score.

Having a better credit score can save you a lot of money and it can actually help you make a lot of money. Having a great credit score gives you access to low interest rate loans like a credit card, line of credit, unsecured line of credit, home equity line of credit, or a mortgage. Getting a low interest rate loan keeps your payments low and keeps more money in your pockets. More money in your pockets means you can invest more, which can make you more! There are easy things that you should know when it comes to your credit score and this video will go through them.

Credit bureaus use your credit score to rate how well you handle your money. This score helps banks and lenders know how much of a risk you are to the money they lend out to you. These large corporations have to protect themselves. They are more comfortable lending out money to someone who knows how to handle money. The lenders are more likely to collect a regular amount of interest to someone with a perfect credit score. If you prove to be a credible person, they will give you a low interest loan.
Having loans at a low interest rate help you leverage your money to enter into real-estate in Canada, invest into the stock market, trading on the stock market, put money towards your retirement, buy a car, or your long term home. There is no reason not to do these steps by step instructions to increase your credit score.

You need to be responsible with any money that is given to you and use only what you can afford. There are some great ways to apply for a line of credit without a job, proof of income, or assets. Getting a line of credit can be hard if you’re young in 2021. I got through some tips and tricks to achieve an 800+ credit score. Companies like Credit Karma and Borrowell are great tools to monitor your credit score and ensure there is no fraudulent activity going on with your social insurance number. Your credit score can drop by over 150 points if you miss a credit card payment or a line of credit payment. Never miss a payment! Doing a hard credit check, such as applying for a credit card or line of credit, it will drop your credit score temporarily by about 25 pts. The credit bureaus have this in place to prevent people from taking advantage of lender. You need to increase your credit score to buy a house. You have to show banks that you have some experience handling loans. It doesn’t matter how old you are, you should try to improve your score at any age. If you want to make a significant increase, you will need to utilize less than 30% of all of the credit available to you. Credit utilization is based on percent utilization and not dollar utilization. There are multiple cheat codes to increase my credit score. It doesn’t matter which Canadian bank you open a credit card with, there are plenty of ways to increase your credit score for free.

Here are the 5 criteria used to calculate your credit score:
Credit Mix – 10%
People with top credit scores often carry a diverse portfolio of credit accounts, which might include a car loan, credit card, student loan, mortgage or other credit products. Credit scoring models consider the types of accounts and how many of each you have as an indication of how well you manage a wide range of credit products. Credit mix accounts for 10% of your FICO® Score.

New Inquires – 10%
The number of credit accounts you’ve recently opened, as well as the number of hard inquiries lenders make when you apply for credit, accounts for 10% of your FICO® Score. Too many accounts or inquiries can indicate increased risk, and as such can hurt your credit score.

Credit History Length – 15%
How long you’ve held credit accounts makes up 15% of your FICO® Score. This includes the age of your oldest credit account, the age of your newest credit account and the average age of all your accounts. Generally, the longer your credit history, the higher your credit scores.

Credit Utilization – 30%
Your credit utilization ratio is calculated by dividing the total revolving credit you are currently using by the total of all your revolving credit limits. This ratio looks at how much of your available credit you’re utilizing and can give a snapshot of how reliant you are on non-cash funds. Using more than 30% of your available credit is a negative to creditors. Credit utilization accounts for 30% of your FICO® Score.

Payment History – 35%
Payment history is the most important ingredient in credit scoring, and even one missed payment can have a negative impact on your score. Lenders want to be sure that you will pay back your debt, and on time, when they are considering you for new credit. Payment history accounts for 35% of your FICO Score, the credit score used by most lenders.

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  1. Nicole
    July 25, 2021 at 9:57 am

    How do you get them to give you such a high credit limit? Lol

  2. C P
    July 25, 2021 at 9:57 am

    You don't need to have a good credit score, and if you think you do you are sadly brainwashed and mistaken. We the people are the creditor because the only thing of real value is the labor of the people. The evil new world order people created the satanic system of the strawman birth certificate bond which makes the people the debtor for the fake debts and took the truth and the power of the people away from them and made them slaves and debtors to a fictional debt for their own detriment and their destruction. The people are not aware of it but the debtor's name is written in capital letters just like the all capital letters written on their headstones on their grave sites… the people are considered to be decedents that have no life or rights or the ability to make sense or to represent themselves in a court of law which is why they need a lawyer to re – present them because a dead entity cannot re – present itself and it has no voice and inheritance…
    Study the subject of the strawman birth certificate bond for more information. The people have unlimited liability but the government has limited liability and the people have the natural power over the corporate de facto decedent ens legis bankrupt unlawful non-sovereign fictional government but the evil Mystery Babylon world government wants people to believe that it's the opposite and that's how the government can control the world and destroy it, and because the new world order government has tricked everyone and stolen everything from the people the people have no voice or rights or assets and everything and everyone is the domestic movable dirt property estate asset of the fictional government. All money and debts are totally fictional and fraudulent, just like the government is who are at unlawful fraudulent war against the people of the world for the destruction of the people and the world for Satan. Read the Authorized King James Bible for the truth about sin and righteousness. Taxes are also an unlawful war tax against the people.

  3. mustanghunts
    July 25, 2021 at 9:57 am

    Another great video full of valuable tips…
    Any chance that you have done a video on how to organize and keep track of your non-registered trading account activity for tax filing? What info does the tax man needs to see? Best way to set it up?…Thanks Mike…👍🍻

  4. kira jane
    July 25, 2021 at 9:57 am

    A tragic fortuitous event caused me to max out my credit cards and that seriously impacted me financially… I was watching a video on YouTube about how to fix your bad credits and I stumbled upon this credit repair team (SolutionXhack and i made contact via email to Fixxhackxspy @ gmail . com ) in the comment section. At first, I was unsure but I was at a dead end and I needed a solution for my crisis and I figured things couldn't get any worse… So I decided to give it a shot and text the credit repairer and I'm glad I did because everything turned out great, my debt was fixed and I'm living a life without financial worry; which is literally the worst circumstance ever. Technology is advancing and solutions are rapidly being created to solve numerous problems and I'm glad credit repair happens to be one of them… I decided to share this, so people currently suffering from my previous predicament can get a solution……you can also contact SolutionXhack via text + 1 708986 1427.

  5. Charlotte Woods
    July 25, 2021 at 9:57 am

    Thanks so much SolutionXHack ) for saving me and my kids life from being here in Texas. I've been moving from one motel to another for shelter.i got 2 eviction in my report and few collections that brought my scores so low…I tried Lexington law and different credit repairs yet changed, all they did was taking my money and wasted alot of time. Not until a Realtor referred me to this elite honest and amazing repair team and I reached out to them through their email contact which is Fixxhackxspy @gmail .com .. few minutes after, I got a response and after meeting their demands, my scores was raised to 805 in a short period of time and also my eviction and collections was removed in a short period of time ..SolutionX made my dream come true and I recommend to everyone who need the help in their life…….

  6. Jon M
    July 25, 2021 at 9:57 am

    Got more tips on opening a line of credit?

  7. gameradoz
    July 25, 2021 at 9:57 am

    Im looking to get a line of credit right now but I am self employed. I do my personal banking with RBC business if I was to show up with a statement like the one showed in the video validating my "employement", won't they ask to see records of payroll to confirm before offering my a line of credit? Any advice on how I can acquire one?