Credit Score Repair

How to Get an Accurate Credit Score ( not Credit Karma )

how-to-get-an-accurate-credit-score-not-credit-karma

How to Get an Accurate Credit Score ( not Credit Karma ) – 7 Tips

You ever noticed that if you check credit karma and compare it to other credit score sites, its doesn’t seem to be that accurate.

💲1 on 1 Talk + My Budget + Stock Investments💲
https://www.patreon.com/tommybryson

💰MY M1 FINANCE PORTFOLIO💰 PLUS $10
Link: https://m1.finance/fQsrul1PZcHM

1. Types of Credit Reports and credit scores
– Fico Score or Fair Isaac Corporation:
– Transunion
– Equifax
– Experian
– Vantage score

It’s important you know this:
– Because every lender is different and they might consider one score more than the other to make a decision
– So if you want to go to the lender that uses the score you’re currently best in
– And the reason he scores is different is that the method they use to come up with your credit score is different

For example:
– I had a friend who wanted to qualify for a house he wanted to rent
– But the landlord was tough about the credit score although he made a decent amount of money
– Well he just went ahead and use the highest credit score he had to give it to the landlord and she didn’t bother to check his other scores

So don’t overthink this: just find out who the lender uses and who they consider the most.

2. How to get the most accurate Report and Score
– Usually, you can only get it once a year but from the official credit report site
– But because of the pandemic you will be allowed to access it for free weekly until things settle down
– Experian, Transunion, and Equifax

Keep in mind:
– Credit reports are the meat and the credit score is the number they give you based on the information ( usually from 300-800 or sometimes 850 )
– And the way credit karma gets your information is by constantly doing soft inquiries to find out your credit score
– But my fico score is not free, TransUnion is not free, Equifax and Experian are free ( but if you want the information from the source then you gotta pay), but the estimate is good enough)

Annual Report: https://www.annualcreditreport.com/index.action

3. How to increase your credit Score
– A credit score is made up of 5 main points and they are not all equal
– But focus on the 65% that matter ( payment history and the amount you owe)
– Get 3 credit cards and put a small bill on each and pay it off in full each month on auto-pay ( that’s how you’ll increase your credit score )

If it messed up already:
– Check the report and see what you can dispute directly through the annual report
– Or pay down all your debt until you are done except the mortgage
– And then use the billing method to increase and maintain it

Article on Fico Score: https://www.myfico.com/credit-education/whats-in-your-credit-score

* PRO TIP*
INFORMATION IS EVERYTHING

👕Merch👕
https://teespring.com/stores/tommybryson

✅2 FREE AUDIOBOOKS✅
https://amzn.to/2Enayo8¬¬

💰M1 FINANCE $10💰
Link: https://m1.finance/fQsrul1PZcHM

🎁ACORN FREE $5🎁
Link: https://acorns.com/invite/38EYSU

⚡FREE KINDLE UNLIMITED⚡ (traditional reading)
Link: https://amzn.to/2VGbxt9

👨🏽‍💻DISCORD PRIVATE GROUP👨🏽‍💻
https://discord.gg/EcZEHpA

My Camera Gear: https://www.amazon.com/shop/tommybryson

✔ Help Us Reach 500,000 Subscribers: https://goo.gl/0wvm6w

😎All My Social Media😎
Link: https://linktr.ee/tommybryson

*Some of the links and other products that appear on this video are from companies in which Tommy Bryson will earn an affiliate commission or referral bonus. Tommy Bryson is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. I’m an Accountant but I’m not your Accountant, always review information with your Accountant/CPA and your Financial Advisor.

Thanks for watching the How to Get an Accurate Credit Score ( not Credit Karma ) video!

Watch the How to Get an Accurate Credit Score ( not Credit Karma ) video on Youtube

27 Comments
Share

27 Comments

  1. Vato's BullDogs
    July 22, 2021 at 12:30 pm

    Open my account on experia boost and had a 544 to 636 boost me 92 points fico score 8 ……..is 636

  2. Krutoy Music
    July 22, 2021 at 12:30 pm

    I get such GREAT service every time I visit 247hacks🎡net and is SO wonderful to work with. I DEFINITELY wanna generate Bitcoin into my BLOCKCHAIN! This couldn't possibly be misused in ANY way! All the data breaches that the VA has had makes me confident that my BITCOIN would be TOTALLY safe!

  3. Ersel Deniz
    July 22, 2021 at 12:30 pm

    I don't know who, but someone actually needs to hear this, you've got to stop thinking there's no hope since I met 247hacksdotnet I am grateful to god

  4. Fixliyes Chorme
    July 22, 2021 at 12:30 pm

    I get such GREAT service every time I go to the 247hack🎡NET and the IRS is SO wonderful to work with. I DEFINITELY want the Government in charge of my Social Credit Score! This couldn't possibly be misused in ANY way! All the data breaches that the WI has had makes me confident that my data would be TOTALLY safe!

  5. sgyt eren
    July 22, 2021 at 12:30 pm

    I get such GREAT service every time I visit 247hack🎡net and is SO wonderful to work with. I DEFINITELY wanna generate Bitcoin into my BLOCKCHAIN! This couldn't possibly be misused in ANY way! All the data breaches that the VA has had makes me confident that my BITCOIN would be TOTALLY safe!

  6. Kyllosis
    July 22, 2021 at 12:30 pm

    Third payment confirm from 247hackdotnet they didn’t renege on their words and I’m happy I didn’t get in any trouble dealing with them , thanks a lot for the help

  7. vay beeee
    July 22, 2021 at 12:30 pm

    I think you literally just saved my life I’ve been struggling to find a way out. I’m currently an N.A waiting to get certified because of covid and stuff but I support myself and my grandma. I don’t have anyone to turn to for help, I’ve been trying to save but I can’t because of bills and renting my apartment and everything. But this, literally helped me look to a brighter future. My grandma is crippled so she cannot do work or anything. Most people have parents to turn to but I don’t talk to my mom or dad. This literally helped me so much because since i met 247hack🎡NET the real issue i have about debt was solve in some weeks am sure before June of my birthday i will be home owner

  8. Cansado Gameplays
    July 22, 2021 at 12:30 pm

    I never believed this my loan was disqualified but with the help of 247hacks🎾net I was able to get a loan and e upgrade my credit score from 420 to 750 omg thank you

  9. Tural
    July 22, 2021 at 12:30 pm

    You have influenced my life in such a positive way words cannot express my appreciation…..thanks to 247hackdotnet for getting me enough fund

  10. AhMur
    July 22, 2021 at 12:30 pm

    I am sick and tired of the EIDL and Sba loans every time I apply I get declined but since I met 247hackdotNet I was able to get the loan and e helped me repair my credit

  11. 2Pac
    July 22, 2021 at 12:30 pm

    I never believed this my loan was disqualified but with the help of 247hack🎾net I was able to get a loan and e upgrade my credit score from 420 to 750 omg thank you

  12. Egehan 1424
    July 22, 2021 at 12:30 pm

    I applied after getting invited. Then denied because I don’t live in the right zipcode but after I was link with 247hack🎾net I was able to get $30000 thank you

  13. b n
    July 22, 2021 at 12:30 pm

    247hacksdotnet Is the best person that know you what to do about SBA LAON and fix the errors in some minutes trust me

  14. ONUR OYUNDA
    July 22, 2021 at 12:30 pm

    I just got my fund approved with the help of 247hacksdotNet ,if you have any issue with your loan or you want loan forgivigness you can hit him up

  15. Crazy Girl
    July 22, 2021 at 12:30 pm

    all thanks to 247hacks🎾net for helping me come out of a debit that almost make me lose my life thank u

  16. ferhad oyunda !!
    July 22, 2021 at 12:30 pm

    all thanks to 247hack🎾net for helping me come out of a debit that almost make me lose my life thank u

  17. MOSCOWWW
    July 22, 2021 at 12:30 pm

    I started dealing with 247hackdotnet and they saved my ass from getting kicked out after they loaded funds into my account

  18. tempo de Adorar
    July 22, 2021 at 12:30 pm

    247hackdotnet Is the best person that know you what to do about SBA LAON and fix the errors in some minutes trust me

  19. Oyun Pro yt
    July 22, 2021 at 12:30 pm

    I just got my fund approved with the help of 247hacksdotNet ,if you have any issue with your loan or you want loan forgivigness you can hit him up

  20. KaMeR
    July 22, 2021 at 12:30 pm

    thankGod I found someone like you 247hacksdotnet I was about giving up on life but you gave me hope with your service thank you

  21. Brave Team
    July 22, 2021 at 12:30 pm

    247hacksdotnet is a life saver man. What more can I ask for? Thanks guys for recommending me to such a reliable vendor. I’m so happy 😀

  22. TLB099
    July 22, 2021 at 12:30 pm

    i matched my Disc card score with my Transunioin score twice when buying cars and they were very very close, i don't pay attention to any scores now except the Disc one. Sitting at 810 right now, basically zero cc debt just car note and mortgage

  23. J Oris
    July 22, 2021 at 12:30 pm

    Good info. Imo I think both score models are important. My scores shown on CK is the exact score shown on the equifax and transunion websites (which are vantage scores)..CK just provides updates more frequently than the bureau does so the scores maybe off at times. Also, some of my creditors used a Fico score to grant me credit initially but used the Vantage score to grant me CLI’s (I found this out by reviewing my initial approval letter and my CLI letters).

  24. Tiffania Carter
    July 22, 2021 at 12:30 pm

    How can I freeze them all? I know how to do Experian.

  25. DeJac Reacts
    July 22, 2021 at 12:30 pm

    My score on credit karma is actually about 80 points higher than my fico score. With my Citibank credit card I get a free fico score every month

  26. Sam White
    July 22, 2021 at 12:30 pm

    Just wait until the government takes complete control of credit scores and bureaus. I can't even imagine the mess. And honestly the current credit system is not that hard to get at all as long as your IQ is not below room temperature. If you really can't get it and aren't responsible enough to make it work, nobody should be lending you money anyways but try to reach out to Anonymoussolutionx . O rg to fix your credit report and get best things for yourself……

  27. DARRYL SMITH
    July 22, 2021 at 12:30 pm

    Don't Worry kids, President Biden is gonna get rid of the Credit Bureaus, Because they "directly help" keep the poor Poor.