Credit Repair

Is 706 A Good Credit Score – All About Your Credit Score & How to Improve It!

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Is 706 A Good Credit Score – Review

We all know that having a good credit score is needed to get a loan. But did you know our credit also affects our ability to get a rental apartment, a cellphone and even affects out car insurance rates? Its true. So having a good credit score can potentially help save loads of money and even help us achieve what we want in life! In this video I will explain everything you need to know to build good credit or even improve bad credit, if needed.

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32 Comments

  1. Natalie Grah
    August 1, 2021 at 12:33 pm

    I made over 100k In 3 months fate investing some of my savings. Dirk Hess and his team was extremely helpful and he also helped me improving my score in 72hours to excellent 850
    He replies fast on his mail forums legionofgloomhackers at gmail dot com

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    August 1, 2021 at 12:33 pm

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  3. Brer Rabbit
    August 1, 2021 at 12:33 pm

    "Cut up your credit cards" said no woman EVER!

  4. pa triot
    August 1, 2021 at 12:33 pm

    Very good

  5. Oracle Love Light
    August 1, 2021 at 12:33 pm

    I know people criticise you but you are really helping me with all of your videos! Love it!

  6. VeganMicroFarm
    August 1, 2021 at 12:33 pm

    Have you ever heard of Rent-Reporters? It adds a trade line to TransUnion showing up to 2-years of rent payments. SelfLender is borrowing 500, put it in a CD and use the CD as security against your loan.. These are credit building tips if you are needing a decent score or have no credit… I have a gas card to show a steady payment history, any store card will work with stuff you buy every month.

  7. Abigail Jones
    August 1, 2021 at 12:33 pm

    Our experian credit score in the UK. Goes up to 999. Mines 970! ūüėä

  8. LincTexPilot
    August 1, 2021 at 12:33 pm

    Frugal Green girl, You are beautiful, intelligent and all-around amazing! I enjoy your videos immensely! I live mortgage-free on a 6 acre ranch in Texas, and also live a frugal and green (self-sufficient) lifestyle. Are you entertaining marriage proposals?

  9. Bryan R.
    August 1, 2021 at 12:33 pm

    I hate seeing my score go down , and recently I applied for an apartment and the hard inquiry made my score drop with Transunion 7 points. It will probably effect Equifax in another month. This will stay with me for up to 2 years.
    I made my credit score shoot up by getting a secured credit card with my bank. After 2 years they gave me back my 500 bucks and I got an unsecured card , wooohooo.
    I'm going to get a $1000 loan and pay it off in half the time. I got a second credit card and did not get hit with a hard inquiry , that surprised me.
    I charge 20 bucks on each card a month to keep things active.
    I use to have very , very bad credit. My dad taught me about the value of a dollar at a young age. Every parent should teach there kids about debt and credit.
    Credit Karma Rocks , download the app on your mobile phone.
    Peace

  10. LEHNHARDT DEVONE K.
    August 1, 2021 at 12:33 pm

    695

  11. LEHNHARDT DEVONE K.
    August 1, 2021 at 12:33 pm

    695

  12. LEHNHARDT DEVONE K.
    August 1, 2021 at 12:33 pm

    695

  13. Livinglifeas shay
    August 1, 2021 at 12:33 pm

    your score can be between 300 and 850.
    negative items stay on report for 7yrs from last date of delinquency.
    YES FURNITURE CAN AND DOES GET REPOSSESSED. FURNITURE IS 1 OF THE HARDEST THINGS TO FINANCE. IN THEORY YOU CAN'T HIDE A CAR OR HOUSE BUT YOU CAN HIDE FURNITURE.

  14. seriela
    August 1, 2021 at 12:33 pm

    Girl!! I learned soooo much. When were you when I was younger? Probably not born yet. LOL.

  15. Alan Falleur
    August 1, 2021 at 12:33 pm

    I built my good credit score in a very similar way. I got a generic Bank of America card with no bells or whistles and used that to buy groceries and other necessities, just used it like a debit card at the checkout basically. I paid my account off every month so the bank didn't make any money off me. After about a year of that I got a much better cash rewards credit card that gives me like a rebate on gas and groceries, and that's how I now pay for all my necessities. I pay my account off every month, and I use all their benefits optimally, so they don't make any money off me.

  16. Nickie Amber
    August 1, 2021 at 12:33 pm

    i have student debt from 1 semester of college. i owe around 4900. i paid 800 recently, i made my payments for 200 a month…so if i pay this every month until i finish it will improve my score? and update it month by month? i am so happy i found this video ! thank you

  17. Kristen Furlove
    August 1, 2021 at 12:33 pm

    Fabulous advice. My husband and I just bought our first home. We spent years paying off student debts and working on our credit score using the same tips you reccommend. My husband came from having a VERY bad credit history, so it was a process over the course of 7 years. But worth it when we got our mortgage preapproval and no issues getting our mortgage. We found out our credit scores are over 700 and over 800! Pretty awesome. SO many people could benefit from this video.
    Only thing I would add is; you can have credit limits over $1000, or a line of credit/loan over $1000, even with a lower income, and still get credit/a mortgage/etc so long as you DON"T USE the full amount. They like to see you have ACCESS to lots but don't use much. Like you said…under 30%. Always pay off in full every month.

  18. John17:17 KJV
    August 1, 2021 at 12:33 pm

    Just a f.y.i for people who need to improve their bad credit (and this was after speaking to a financial strategist today briefly). From the date of your last payment, an old debt will be removed off of your credit report after 7 years. The specialist stated that for any debt over 4 years old on your credit report, most companies don't pay attention to them (new news to me). Hope this helps a bit. Thanks for tips…I learned new things from you today as well : )

  19. Mamaluvs2craft Alder
    August 1, 2021 at 12:33 pm

    This is a really good video, thank you for sharing ūüôā

  20. Jack George
    August 1, 2021 at 12:33 pm

    Don't feel sorry for that guy in the nice truck because he is living beyond his means. BTW, they will come and get the truck next.

  21. valmaker
    August 1, 2021 at 12:33 pm

    Hi there!
    I saw in your most recent vlog that you're trying to buy a new home and have bought in the past. Would you be willing to make a basic tips for buying a home video? I'm in the market and doing a ton of research online but don't know anyone who's actually bought. Any advice would be helpful!
    Love your videos!
    Valerie

  22. Francis Rodgers
    August 1, 2021 at 12:33 pm

    Hoping to move to the US in the next year or two. So I have a 3 questions.

    1. Is there any advice for non US people like me who intend to move there over the next few years to help them build a good score before going. I am aware that many banks and insurance places require a US address (perhaps if there are places that would legally let you use an address even for a fee of some kind). Again, I would be looking more so from the perspective of beginning to build a proper life insurance policy and making some investments prior to going as most of this is closed off to people who don't have US addresses.

    2. Is there a period, where no more activity on your record stops affecting your credit. For example, here in Ireland, if you have a bad score (due to debt etc), and you fail to repay that for some reason (assuming they have written it off such as in the case of unsecured loans like credit cards Рwhich can in itself take a few years). Obviously this will look bad on your score. However, after 5 years, this debt is completely written off your report. So once you begin building your score again, by the time you apply for another loan, if it is past the 5 years, there will be no record of this unpaid debt on your report. (If you doubt this, I used to work, a long time ago, for a debt collection agency and there are even regulations on credit card companies that if they are unable to collect over a certain time, they actually have to write it off Рthis is usually 2 to 3 years). What I am asking is, if there are any such regulations like this in the US?

    3. How long does the process of building a good score actually take. I have seen various (possibly scams) videos on how to "Boost your score in X (usually 30) days", etc. Can you give a good approximation of how long a genuine process like the one you are suggesting can be expected to take.

    Thanks for the excellent video and for sharing your knowledge.

  23. xX19Cass89Xx
    August 1, 2021 at 12:33 pm

    love how simple you've made this! im 27 and no one has explained credit to me. I only have bad credit because I dont have recurring credit. so iv been thinking of getting a credit card where you put your own money on it.. secured card i believe it is to help build it back up. Hopefully that does the trick, id like to buy a house in 5 years if not sooner!

  24. Pipe2DevNull
    August 1, 2021 at 12:33 pm

    I had a couple of small business loans just after high school. Unexpectedly this gave me a good credit score that made borrowing quite smooth for me ever since.

  25. Darin Costantine
    August 1, 2021 at 12:33 pm

    Good video. Nicely explained. But, why not pay cash for things? Yes, you can save up and buy a car with cash. You can also get a 15yr mortgage with a zero credit score. Having credit cards really is playing with fire. A 6 month cash reserve should be plenty for emergencies that might arise.

  26. Sonnie's Garden
    August 1, 2021 at 12:33 pm

    Great Info!

  27. MrMac5150
    August 1, 2021 at 12:33 pm

    They repossess cars but NO one repossesses used furniture.

  28. valmaker
    August 1, 2021 at 12:33 pm

    super helpful!!!!

  29. G Money
    August 1, 2021 at 12:33 pm

    Just sensible information…you rock!

  30. daniellegrandpa
    August 1, 2021 at 12:33 pm

    Great help, thanks.

  31. My frugal life
    August 1, 2021 at 12:33 pm

    Thank you. We have multiple credit cards that we pay in full every month. If I would add up all the limits on them, they would be more than our yearly income. Also, we refinanced our mortgage last year, and all they cares is our income and credit score. They didn't ask if we have other debts or limits. So I don't know if the limit matters. I only know that it matters how much is your balance vs limit for getting a good score.

  32. Bonnie Friesen
    August 1, 2021 at 12:33 pm

    Thank you for another info packed video- I enjoy all your videos. I loved the DIY Household cleaners, Personal products and Gardening videos can always learn more about finances and budgeting. Thank you again and keep up the good work.