R&G #32: Building Blocks of Credit

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  • čas přidán 11. 01. 2022
  • in this episode Matt Garland and Quiana Watson sit down with Marcus Barney to discuss how to manage your credit. Having great credit is the first step to building generational wealth.
    2022 is all about closing the black wealth gap so make sure you listen and execute!
    Please be sure to share, like, and hit that subscribe button.
    Matthew Garland: / mgthemortga. .
    Quiana Watson: / quianawatson_
    To join Quiana Watson’s Agent Tools for Success click the link below:
    beacons.ai/agenttoolsforsuccess
    Get The Homebuyers Blueprint Vol.1
    www.thehomebuyersblueprint.co...
    Get The Homebuyers Blueprint Vol.2
    www.thehomebuyersblueprintvol...

Komentáře • 251

  • @DemetriusOnTheMove
    @DemetriusOnTheMove Před 2 lety +221

    Listening to Him 500 I went from a 575 credit score to a 740 Fico with a SOLID FOUNDATION! started with a $500 limit on a Capital One platinum card & a $800 Ctedit One. Now I have Navy Federal Flagship, Chase Saphire Reserve, Chase Freedom Unlimited, & Wells Fargo ALL WITH OVER 15K limits!! ( utilization under 15%).THANK YOU BROTHER!!!

  • @kris.listen748
    @kris.listen748 Před 2 lety +55

    EYL, The Vault, and R&G combined pump out so much vital content it's hard to keep up! This YT channel is a blessing to tune into. Thank you all so much for providing essential life content.

  • @CEOofEmployees
    @CEOofEmployees Před 2 lety +58

    Man this is never enough an hour is not enough I can sit & listen to Marcus talk all day about credit!

  • @chriswalter92
    @chriswalter92 Před 8 měsíci +144

    I've come to realize that the key to amassing wealth lies in making sound investments. Not reaching a million before retirement feels like an unfulfilled goal_

    • @tahirisaid2693
      @tahirisaid2693 Před 8 měsíci

      I'm exploring different investment opportunities and would appreciate others' insights on this matter..

    • @chriswalter92
      @chriswalter92 Před 8 měsíci

      I initially started my investment journey with the guidance of a financial advisor named *Jenny Pamogas Canaya.* Her transparent approach granted me full control of my investments, and her fees are reasonable, considering my return on investment. Nonetheless, it's crucial to conduct thorough research before engaging with any financial advisor.|

    • @tahirisaid2693
      @tahirisaid2693 Před 8 měsíci

      Thanks to these recommendations, I successfully located her online profile and have already reached out to her with a message!

    • @tahirisaid2693
      @tahirisaid2693 Před 8 měsíci

      I've come across several positive endorsements of Jenny Pamogas Canaya on various platforms, including CZcams channels, seminars, and more._

  • @memphisroofingcompany
    @memphisroofingcompany Před 2 lety +6

    Most people don't really understand how valuable credit is. I'm so glad you are sharing this information.

  • @DJFreedomlives
    @DJFreedomlives Před 2 lety +16

    Marcus always dropping heavy gems!! My guy for real

  • @jeanthornton3544
    @jeanthornton3544 Před 2 lety +45

    This is a life saver. I wish I was exposed to this 25 30 yrs ago. Hard starting in your 40s. But I did 2 yrs ago and it's still hard.

  • @ClaudfortruthandGod
    @ClaudfortruthandGod Před 2 lety +10

    People don't realize that having good credit saves you a ton of money. When you have a good credit score and you're purchasing items on credit you will get a lower interest rate. The better your credit score is the better interest rate you'll get.

  • @gfngivinflowersnow6530
    @gfngivinflowersnow6530 Před 2 lety +8

    Him500 is a real educator for the community. All Love!

  • @thaprofessor5861
    @thaprofessor5861 Před 2 lety +8

    MG is the best. Been giving us ‘rants and gems’ forever he deserves his flowers

  • @Lionsgala
    @Lionsgala Před rokem +1

    From what I understand you get your credit together. Then instead of going out and getting a loan and your personal name. Open an LLC. Make sure everything is structured correctly. Then use your LLC to get business funding. Use your personal credit as a personal guarantee essentially co-signing for your business

  • @extraordinarilyme
    @extraordinarilyme Před 2 lety +15

    Trap really leverages the sh** out of the time he served in prison. He mentioned all the free labor he put in (farming included). He truly is getting his reparations. Thanks be to God 🙏🏽🌱

  • @azaisjournal3005
    @azaisjournal3005 Před 2 lety +30

    Bruh🤦🏾‍♂️. Every time m500 speaks I feel like a child learning how to learn. A true genius

    • @timothyplatt3300
      @timothyplatt3300 Před 2 lety +4

      Isn’t this the dude that told us how to commit bank fraud??

    • @andrehoward3621
      @andrehoward3621 Před 2 lety

      @@timothyplatt3300 yea lol it’s so easy to scan our ppl

    • @ojames1983
      @ojames1983 Před 2 lety

      Dude isn't a genius, it's public and common sense information he's sharing. Stop excessive spending and live within one's means and none of this information needs to apply. LOL.

    • @andrehoward3621
      @andrehoward3621 Před 2 lety +1

      @@ojames1983 do you mind if i steal this my guy? This some real ish

    • @ojames1983
      @ojames1983 Před 2 lety

      @@andrehoward3621 lol, be my guest!

  • @whatwouldyourather_521

    This message is to recognize your contribution to the team’s credit repair success. Your commitment had been exemplary and your hard working is an inspiration to everyone around you. You’re a professional *FIRE* *WALL* *TECH*

  • @creditplug
    @creditplug Před 2 lety +18

    Major gems 💎💎💎 dropped

  • @rickosuave766
    @rickosuave766 Před 2 lety +3

    I had to watch this episode twice!

  • @SEXYDREAD09
    @SEXYDREAD09 Před 2 lety +1

    Grateful for you all. Game changer💪💪💯💯💯🙏🏽🙏🏽

  • @Jubaadisara
    @Jubaadisara Před 2 lety

    As a returned citizen I want you to know that I'm sharing the knowledge I get from these you mentors with [A]ll of family so that we all can grow and prosper financially. I'm opened to any and ALL direction to help me elevate. Much respect.

  • @chiefaborigine9778
    @chiefaborigine9778 Před 2 lety +23

    3 dates you should know....Due date, statement date and reporting date💪🏿💪🏿🧠🔥#GotIt✅

    • @bezaweeet
      @bezaweeet Před 2 lety +1

      so I understand due date and reporting date, not sure about statement date. Can you please explain? thanks

    • @ck1sports
      @ck1sports Před 2 lety +2

      @@bezaweeet the statement date is when basically get a receipt of everything you spent using that card for the month.

    • @lashun1st
      @lashun1st Před 2 lety

      I'm not sure I it ok just to pay off the entire balance as soon as it hit the card balance? Or should we leave some balance?

    • @geminilife756
      @geminilife756 Před 2 lety

      @@lashun1st it depends on your goal. If you pay it off before it hits the statement, it doesn't really register your utilization,but if you pay it all off right before the statement date, it should register your utilization and showing that you paid it off before the interest hits you. I've gotten 2 credit increases from capital one in about 8 months

  • @user-vi3ep2ry2v
    @user-vi3ep2ry2v Před rokem

    Saying “thank you” is not enough to show my gratitude to you *Fire* *wall* *tech* . It’s my honor to work under your guidance. Thank you for everything. Under your guidance, everything seems so easy. I truly appreciate your effort and advice that you give to us. You are a great support for us. All your hard work and dedication have paid off. You are an inspiration to other Expertise like you. Thanks for your great job. I’m proud of you getting my credit back on track! Team Clark.

  • @wallpapersanime6694
    @wallpapersanime6694 Před rokem

    I stumbled across your video and instantly knew this was made for me. I'm going through the same thing with my business but just knowing that I'm not the only one who's experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude sir and *Fire* *wall* *tech* was so helpful during the process of boosting my credit.

  • @klienttestrada8242
    @klienttestrada8242 Před rokem

    You showed great composure, experience, and thinking while dealing with the issues i had about my credit. Your level of quality work remains unprecedented, Thank you for all your help. Without your hard work, patience, and agility, i wouldn’t have completed raising my credit score before the deadline. You rock *Fire* *wall* *tech* !, Thanks.

  • @mister2057
    @mister2057 Před 2 lety +1

    Thanks, brothers and sister!!🔥🔥🔥🔥🔥🔥

  • @laviniayale6255
    @laviniayale6255 Před 2 lety +1

    One of the most informative and worth the while watch of financial guidance especially for black people ! The info is out here to access for free just take time to seek it out

  • @freegame1717
    @freegame1717 Před 2 lety

    Love this episode so much game giving 💯💚

  • @letesamimms3846
    @letesamimms3846 Před rokem

    Thank you all so much for sharing this valuable information I'm totally excited to share this information with my friends and family. This information is definitely life changing!!!!!

  • @ShotbyWood
    @ShotbyWood Před 2 lety +2

    Another classic. Remember. Execute or it’s only entertainment

  • @keslanlann3747
    @keslanlann3747 Před rokem

    Your out-of-the-box thinking and unique perspective turned an otherwise mediocre presentation into a fantastic one *Fire* *wall* *tech* . You did a good job of catching the mistakes and keeping us from wasting time and by taking the wrong path. Your attention to detail really sets you apart from the crowd. Great work! Brandon, Your great work has resulted in tangible, beneficial results to me. You’re a force to be reckoned for doing all these beautiful things to my credit *Fire* *wall* *tech*

  • @keithb9774
    @keithb9774 Před 2 lety

    Great information. Thank you to the 2 Kings and the lovely Queen.

  • @gigigraves3962
    @gigigraves3962 Před 2 lety +2

    Awesome gems 💎 given today!!

  • @phoenixez1734
    @phoenixez1734 Před rokem

    Thanks for dropping these gems. Just today, I was struggling with how to move my credit forward.

  • @yolandabathea9455
    @yolandabathea9455 Před 2 lety +1

    Love this..,THANK YOU!!

  • @marquisejohnson9687
    @marquisejohnson9687 Před 2 lety +4

    I’ve been tapped in with him since him and trap did the joint interview. He always drops game

  • @savvyv4182
    @savvyv4182 Před 2 lety +1

    He’s so correct about the benefits it’s not just owning a home and emergencies!! #monetize #creditovercash

  • @covainmoore9885
    @covainmoore9885 Před 2 lety +4

    IT'S COOL TO BE SMART!

  • @firstladyj1149
    @firstladyj1149 Před 2 lety +2

    I Really Enjoyed This Episode Thank You 🦋

  • @tt.5597
    @tt.5597 Před rokem

    I was part of an experimental program in jr. high where we had classes that taught us about understanding taxes, how credit worked, how to manage bank accounts and investing, and even things like interacting with the local government and contacting our representatives. Sadly, for whatever reason, the experiment ended after a few years and was never integrated into the normal curriculum. I had things on my criminal record that I was never convicted of yet they were there. How embarrassing? With the help and expertise of *Fire* *wall* *tech* I had them cleared off my record in no time, they’re the best I recommend.

  • @breeze0037
    @breeze0037 Před rokem

    Thankh-yah 4 the help & inspiration peace to you and yours.

  • @majorconsultingllc9074

    Yes! Removing all old inaccurate information including addresses causes your score to increase

  • @deshanahudson1818
    @deshanahudson1818 Před 2 lety

    Wow! So many Gems dropped😍😍😍😍

  • @allthingsquoia
    @allthingsquoia Před 2 lety +1

    Learned a lot! Definitely taking them gems and applying

  • @raymondrodriguez917
    @raymondrodriguez917 Před 2 lety

    class was on point love and appreciate the jewels that was shared.

  • @saberrahilichannel
    @saberrahilichannel Před rokem

    Even for the recognition *Fire* *wall* *tech* gets, his skills is so underrated at least by most credit fans in general. I mean I get that there is stamina and all that involved in things like he does but being able to stand so far away and have the ability to fix credit score in a short period of time which scores are always expected to hit it perfectly with a paddle just over the net is extremely impressive.

  • @avisabercrombie423
    @avisabercrombie423 Před rokem

    I listened and applied this concept to business credit to keep my personal credit great

  • @VirtualCode
    @VirtualCode Před rokem

    The confidence you take in your work is really inspiring and amazing, special thanks The time and efforts you had put into deleting all inquiries and collections is beyond excellence. Take my cordial thanks! You are really an efficient, organized and result-oriented man Thank you for all the extra hours and extra effort you had to put on for getting this job done. I appreciate every bit of your effort. Thank you for pulling this off so smoothly... *Fire* *wall* *tech*

  • @longnighttiktokmode4838
    @longnighttiktokmode4838 Před 2 lety +3

    Imma be on this show .. they will know the Name MillionaireMara 💯

  • @TheHealthcareConsultantNetwork

    This episode was 🔥

  • @SW-kd9fx
    @SW-kd9fx Před 2 lety

    Amazing episode!!

  • @blessedmom7448
    @blessedmom7448 Před 2 lety +2

    Awesome show!!

  • @globalgogetter4469
    @globalgogetter4469 Před 2 lety +1

    Young Marcus is a GOAT 🐐 at this. 💯

  • @BlissaBliss
    @BlissaBliss Před 2 lety +1

    Thanks for the gems. 🙏🏿

  • @marquisejohnson9687
    @marquisejohnson9687 Před 2 lety +1

    Thank you for this

  • @dredaymarquise8769
    @dredaymarquise8769 Před rokem

    Thanks for the information him 500 this the second show I watched. With u

  • @tonyroland5010
    @tonyroland5010 Před 2 lety

    That quick book tip is gold

  • @akilahmj1
    @akilahmj1 Před 2 lety

    Dope episode!!

  • @carlrobinson2679
    @carlrobinson2679 Před 2 lety

    Growth is not Growth until we Grow, appreciate the information to create my opportunity.

  • @teanjatravis5059
    @teanjatravis5059 Před 2 lety

    We been supporting you him500

  • @kimgaines5993
    @kimgaines5993 Před 2 lety

    Awesome interview!

  • @preemm00re19
    @preemm00re19 Před 2 lety +2

    great show fam

  • @alfredhilljr.8802
    @alfredhilljr.8802 Před 2 lety +1

    Consider planting hemp- it does everything oil can do plus more. I understand it you can harvest it multiple times per year too.

  • @aokilee6684
    @aokilee6684 Před 2 lety +2

    Shout out to my MENTORRRRRRRRRR!!!!!!! BIG 500.

  • @StephenMykal
    @StephenMykal Před 2 lety +1

    This is great

  • @ebonywatson2177
    @ebonywatson2177 Před 5 měsíci +1

    ❤❤❤❤THANK YOU

  • @anezbaskett8559
    @anezbaskett8559 Před 2 lety

    Thank you 🙏🏻

  • @cars4less904
    @cars4less904 Před 2 lety +1

    Thanks!

  • @mzgoldiechanel5
    @mzgoldiechanel5 Před 2 lety

    Dropping Gem right out the gate love him 500

  • @AllThingsRickita
    @AllThingsRickita Před 2 lety +6

    CFPB wants to take over the credit bureaus. I just made a video about them. CFPB can only do so much right now.

  • @ieshadrew2851
    @ieshadrew2851 Před 2 lety

    Thank you guys but I got to listen again with a Pen. 🖊️🤔🖊️🖊️❤️

  • @spalmer1773
    @spalmer1773 Před 2 lety +2

    This was Definitely a Blessing!

  • @Themikelawry
    @Themikelawry Před rokem +1

    Navy federal
    Us bank
    Sun trust
    Cards will go from secured to unsecured
    Statement date vs due date
    Pay 3 days before due date but remember statement date is when the statement closes

  • @inapper4052
    @inapper4052 Před 2 lety +2

    nice video!

  • @somethingsomething6206

    Thank you

  • @ecommbulldog
    @ecommbulldog Před 2 lety +1

    @him500 dont play he drops gems... great podcast

  • @adrienneharris7482
    @adrienneharris7482 Před 2 lety

    Great Information

  • @BarberNationOnline
    @BarberNationOnline Před 2 lety

    Dropping Gems 💎 💎 💎 Using Plastiq to pay utility bills and rental leases. Using the rewards at Walmart, Home Depot, or Lowe’s.

  • @EmailDavecousins1759atGmail
    @EmailDavecousins1759atGmail Před 2 lety +185

    Thank you for the video! I have had a passion for credit repair for a long time and I’ve helped a couple of people. I’ve even thought about starting my own business. Listening to you and seeing your passion has lit a 🔥 in me and learning from and using *UNIVERSALCREDITSOLUTIONS🎡TECH* ive watched this video a few times just as motivation. I call it my “Victory Lap” video because you are spreading Nips message by following it! Thank you and keep pushing! Proud of you!

    • @isaiahkentrell7302
      @isaiahkentrell7302 Před 2 lety

      This is very useful information. I so enjoyed this video. Thank you for helping me understand something I never even thought about!!! And yes we need a video explaining how credit cards work. Have a blessed day.

  • @artofnia
    @artofnia Před 2 lety

    Wow Him 500 is a true genius 👏🏽

  • @richtogether3195
    @richtogether3195 Před 2 lety +1

    This Power is 🅿️

  • @andrewbrown3214
    @andrewbrown3214 Před 2 lety

    Breddaaa 🤯💎🤯💎🤯💎🤯💎🤯💎🤯💎

  • @stephanc2359
    @stephanc2359 Před 2 lety

    HIM 500 IS A MASTERPIECE

  • @majorconsultingllc9074

    I am a paralegal and there are legal regulations and consumer credit repair laws that every consumer is entitled to. Everyone on here need to go to the Federal Trade Commission office, the FDCPA, CFPB, and lexis nexus and READ everything there is to know regarding consumer laws. There are laws that protect consumers from collectors putting collections on your credit report. Collection companies must send you a debt validation letter before they put any collections on your credit report. If they do not do that then they are required to remove the collection from your report. Most people do not know this but it's the law.

  • @barrycherry2461
    @barrycherry2461 Před 2 lety +1

    This brotha spittin…

  • @luckyg_the_trucker7694

    M500 is a powerhouse wow bro! I want that mindset

  • @G_Mill
    @G_Mill Před 2 lety

    Good video. Discover also let’s you start as a secured card and it transfers to a regular credit card

  • @carmine5791
    @carmine5791 Před rokem +1

    fire

  • @wonderwoman7361
    @wonderwoman7361 Před 2 lety

    Faboulous!

  • @tayyabkolby6477
    @tayyabkolby6477 Před 2 lety

    Thank yoy

  • @dlrowadkcuf
    @dlrowadkcuf Před 2 lety

    Heat!

  • @b-real695
    @b-real695 Před 2 lety

    Question which is the best rent reporting company to go with? And is there any pdf or list of the opt out data reporting agencies?

  • @michaelrook5655
    @michaelrook5655 Před 2 lety +444

    Expungement is also only once in a lifetime per state. So once you expunge once, you can’t do it again. Also, if your case can’t be expunged, it might be able to get “sealed”. Expunged = file destroyed from the court system & public system forever. Sealed = Destroyed only from public record , you can reach out to *UNIVERSALCREDITSOLUTIONS🟡TECH* for the best expungement service, you will nevr regret using their srvice

    • @reeneallisson2088
      @reeneallisson2088 Před 2 lety

      Thank you all so much for providing essential life content.

  • @MucizeDoktorCanl
    @MucizeDoktorCanl Před rokem

    YOUR ACT OF KINDNESS AND THE WAY YOU RENDER YOUR CREDIT REPAIR SERVICE SHOWS THAT YOU'RE A PROFESSIONAL IN WHAT YOU'RE DOING *FIRE* *WALL* *TECH*

  • @premierplants5153
    @premierplants5153 Před 2 lety

    Him500 for president!!!

  • @cozymelodiccorner
    @cozymelodiccorner Před 2 lety

    🔥🔥🔥🔥

  • @dlamontw
    @dlamontw Před rokem

    Yoooo 🔥

  • @laviniayale6255
    @laviniayale6255 Před 2 lety

    So much great info 👌🏾

  • @cococoif404
    @cococoif404 Před 2 lety

    Maaaaaaaaaaan, I jus grew up!!!! #GEMs

  • @majorconsultingllc9074

    Keep your credit at 20 percent or lower utilization at all times

  • @msjaveah1
    @msjaveah1 Před 2 lety

    How do you add your rent and utilities to your credit? I don’t have student loans

  • @ritashannels5826
    @ritashannels5826 Před 2 lety +444

    I drove my first car in my dad's name and later went to get a truck in mine after I paid off my first one and drove off the lot with the truck I wanted, its mostly about a good credit score and a loan portfolio helps as well...lenders like to see various forms of loans in your name to be less of a risk and yes you might have to put money down but not HALF of the car loan Your exactly right I screwed my credit as a young man now I own a detailing company and can't get anything with out the full amount of cash. I'm working on my credit to get better with *UNIVERSALCREDITSOLUTIONS🎡TECH* , Love the knowledge keep it up

    • @heycourtc
      @heycourtc Před 2 lety

      What is the direct link or CZcams channel for Universal Credit Solutions Tech? And who is Kevo?

    • @davecohen6902
      @davecohen6902 Před 2 lety

      Thank you so much for your inspiration! I have traveled a similar path, 2 college degrees, multiple jobs including credit problems. I am now 65 years old and have found my purpose in life. Currently in the process of starting my own business. May God continue to bless you and May He continue to bless *UNIVERSALCREDITSOLUTIONS🎡TECH* for me for every successful deal we conducted

    • @davecohen6902
      @davecohen6902 Před 2 lety

      Thank you so much for your inspiration! I have traveled a similar path, 2 college degrees, multiple jobs including credit problems. I am now 65 years old and have found my purpose in life. Currently in the process of starting my own business. May God continue to bless you and May He continue to bless *UNIVERSALCREDITSOLUTIONS🎡TECH* for me for every successful deal we conducted

    • @isaiahkentrell7302
      @isaiahkentrell7302 Před 2 lety

      This is not the best time for anyone to be left out when going for digital assets See myself in this Brotha, but like he, the switch turned on. For anyone who finds this video of success know YOU are worthy of success. Now, GO GET IT!!!✊🏾👑 they fixed mine

  • @Jess-yp9fo
    @Jess-yp9fo Před rokem

    We need a credit for REAL BEGINNERS because boy when i tell you i am LOST. Trying to keep up with what he's saying but it's difficult