How To Get an 850 FICO Score | FICO Scoring Explained | BorderHammer
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- čas přidán 22. 07. 2024
- How to raise your FICO score & build credit even without credit history. Step by step, detailed credit building instructions everyone should know. Minimum payments aren't enough.
You gotta start somewhere! Let's make 2016 COUNT!!
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I have an 850 FICO. Not sure how this happened, except I always pay my bills on time and enjoy taking out consumer loans and then paying that shit off years ahead of time. Never, ever be late on a bill if you can help it. Seems to work.
That's the wise use of credit cards. The key is paying them off each month or if its a long term loan such as a car, pay it off early. The few car loans I've had I paid them off at least a year or more early.
It so cool knowing your score can be fixed in days I would be so glad to know who and how they did It, I really need their service
the best repair i have had so far is still from cognitive hacks
The only organisation i trust is cognitive hacks
how do they do these things ?
cause i really need help for real
fixing credit is tough this days , hopefully they would be able to help me out as well
Cognitive hacks is amazing and reliable
I tried using the bureau company times without number before they got back to me this took like a month and i ask to pay the debts on my report and i followed some advice they give to me to paid the debts,i do but still got the debts on my credit
the best repair i have had so far is still from cognitive hacks
The only organisation i trust is cognitive hacks
how do they do these things ?
cause i really need help for real
fixing credit is tough this days , hopefully they would be able to help me out as well
Cognitive hacks is amazing and reliable
I have 14 late payments and 8 hard inquiries with charge offs , who can help me fix it up?
the best repair i have had so far is still from cognitive hacks
The only organisation i trust is cognitive hacks
how do they do these things ?
cause i really need help for real
fixing credit is tough this days , hopefully they would be able to help me out as well
Cognitive hacks is amazing and reliable
I was reading an article about a particular credit repair agency raising their credit score from 300-800+ and how their clients were happy i would love to contact them please,any one who have an idea please….
the best repair i have had so far is still from cognitive hacks
The only organisation i trust is cognitive hacks
how do they do these things ?
cause i really need help for real
fixing credit is tough this days , hopefully they would be able to help me out as well
Cognitive hacks is amazing and reliable
Getting the government tax fund now is a night mare,how did you all pull if off and getting paid monthly?i cant even get a grant,someone help
the best repair i have had so far is still from cognitive hacks
The only organisation i trust is cognitive hacks
how do they do these things ?
cause i really need help for real
fixing credit is tough this days , hopefully they would be able to help me out as well
Cognitive hacks is amazing and reliable
i am on 450 score and i need a 700 before i can be approved to a business loan,i have tried many agencies in building my score all to no avail,any perfect recommendation please?
the best repair i have had so far is still from cognitive hacks
The only organisation i trust is cognitive hacks
how do they do these things ?
cause i really need help for real
fixing credit is tough this days , hopefully they would be able to help me out as well
Cognitive hacks is amazing and reliable
Just got an 850 credit score today. Woot Woot!
Awesome!
I filled bankruptcy on a vehicle and when i did they put my motorcycle in with it since i was still paying on it but just found out it still shows on my credit that my motorcycle still has an open account with the finance company and says i have missed payments since last April i would be glad if i can get an hacker to wipe this off for me
the best repair i have had so far is still from cognitive hacks
The only organisation i trust is cognitive hacks
how do they do these things ?
cause i really need help for real
fixing credit is tough this days , hopefully they would be able to help me out as well
Cognitive hacks is amazing and reliable
A relative used my credit cards ran up to the limit maxed all my credit cards When I was able to check this out I didn't charge all these cards Had to file bankruptcy So now I have T-Mobile after me that I didn't sign for did not go in store and purchase phone with them,any organization that can get me out of this mess please will be appreciated in the comments
the best repair i have had so far is still from cognitive hacks
The only organisation i trust is cognitive hacks
how do they do these things ?
cause i really need help for real
fixing credit is tough this days , hopefully they would be able to help me out as well
Cognitive hacks is amazing and reliable
Too many negative items spoiling my credit, need help clearing them off.kindly refer
the best repair i have had so far is still from cognitive hacks
The only organisation i trust is cognitive hacks
how do they do these things ?
cause i really need help for real
fixing credit is tough this days , hopefully they would be able to help me out as well
Cognitive hacks is amazing and reliable
You are completely on point!!! I did exactly all of the things that you recommended here back at the end of 2014 to get my credit score to a place where I could purchase a home. It took me from the latter part of 2014 until around September 2015 (so about a year) but then I was ready...got my credit score up to 760 and got my house! This video was too late to help me but I'm sooo glad that it's here to help others. Love your work BorderHammer!
my score dropped badly during the covid period and i am just trying to get my shits together so i really need a credit score organization that will assist in building my score to been perfect,any recommendation?
the best repair i have had so far is still from cognitive hacks
how do they do these things ?
cause i really need help for real
fixing credit is tough this days , hopefully they would be able to help me out as well
Cognitive hacks is amazing and reliable
they are private contractors on instagram
No way getting a grant with low score, how do I increase my score fast.Any sure recommendations?
the best repair i have had so far is still from cognitive hacks
The only organisation i trust is cognitive hacks
how do they do these things ?
cause i really need help for real
fixing credit is tough this days , hopefully they would be able to help me out as well
Cognitive hacks is amazing and reliable
Girl I love you!
you inspired me to leave my job 2 years ago!!!!!
I was working a job I hated but i left and relocated to a new state and I'm so BLESSED I DID.
THAN YOU FOR YOUR VIDEO!!!!!!
All this information has been told to us several times this last year as we're preparing to buy a house, but you made it click. We finally got our secure card of $300 and the 30% got muddled. "Was it 30% of the limit that needed to be used or 30% left on the card at all times?" Yeah, that's a difference of playing around with $200 or $100. Thanks to you that's sorted out now. Really appreciate you!
oregonsvirginia you need to not spend over 90 a month with that limit so 30% thats it
Credit boost/hack programme need help please, any awesome recommendations ?
the best repair i have had so far is still from cognitive hacks
The only organisation i trust is cognitive hacks
how do they do these things ?
cause i really need help for real
fixing credit is tough this days , hopefully they would be able to help me out as well
Cognitive hacks is amazing and reliable
Some credit unions offer a loan called a secured loan. It can be $$ held in an existing acct ie savings & as you pay it, on time, manually or setup auto pmts, $$ will be released and you are showing the CU you are responsible. They will in turn offer you a bank CC with an interest rate much lower than 20%. If you open a CD & secure it in a loan you only pay 2-3% over what the cd interest rate is i.e cd earns 1.75% + 2% = a loan @ 3.75%! Which really works out to be just 2% because your cd is still earning interest. They have your money locked up til you pay your loan off or if you don't they got your $$ anyway. My son did this, pif on time for 6mos then applied for a CC @ 11.9%. Next he'll apply for a car loan, pre-approved so he stays on budget and has something he can use to deal with the dealership with.
I sooooo love your personality!! And your videos. I started with the natural hair ones and just kept going..lol This one is fabulous. Keep them coming. Have a blessed and prosperous day!!
I know it's been said before, but you really are like the big sister a lot of us never had, Rachelle. My anxiety keeps me so stressed over tackling the fine points of adulthood like credit, choosing the best health insurance, etc.
Thanks for always looking out for us.
I know right...She is just everything.
+mara.iara You are so welcome beautiful. Don't worry just breath and plan. #yougotthis
Thank you for doing this. I have been talking about fixing credit and how important it is for years. The attitude that credit isn't for People of African descent has always bothered me. Please continue to do what you do. It makes me happy and proud to see this video about something that can not only improve someones present, but their future.
I was like it's Thursday where's my video then you come with this powerhouse of a video!! lol.mouth shut.I'm working on my credit it's horrible.trying to be grown before I was ready.so thanks learned a lot.
I love you Rochelle for doing this video. OMG I am currently looking for an apartment and landlords are giving me a hard time because I have no credit history. The knowledge you just gave me is priceless. Thank you love ;-)
great vid! I've brought my score up almost 100 points in the last 8 months, and all of your pointers are spot on! I wish I would have been educated on the importance of credit when I was younger...It's been hard getting it together. Buuuut I hope to be purchasing a home this summer!
+sheribro I totally agree this should be mandatory in high school!
I hope this video helps the many people struggling financially.
The biggest piece of advice I've learned from having only 2 major credit cards (in my own name) is that if you can't actually afford it, don't go into debt to acquire it. My only exception to this rule is your student loans, and there are plenty of ways to not have to use loans to pay your entire way through. Keep only one credit card and don't run it up, store cards are the worst I've ever seen with interest rates through the roof. For what? To buy clothes and things that you cannot afford? Most people only make the minimum payments on a credit card which is barely covering interest and not principal.
Be smart with your money and only buy what you can afford while not trying to live outside your means. The borrower will forever be slave to the lender. Think of all the money you put out every month to try to settle a debt that could be in your pocket. Hope this message finds someone well. God bless.
I disputed three collection account and all three plus five others collection accounted were removed completely from all three of my credit reports...my credit scores were 480 now it 766 and up...yesssss..got approved Citi, Amex and capital 1
Latinogoyaman Latinogoyaman Thats GREAT!!! However, don't fall prey to credit debt again so STAY AWAY from those credit card companies! If you do decide to get a credit card then make sure it is a Secured credit card Only. That way your credit score will keep rising instead of damaging it again.
and how did you do it? can you help me?
Latinogoyaman Latinogoyaman if you don't mind me asking, did you dispute online or in writing?
in writing
I did a few disputes online, as well as calling the collection agencies by phone and made deals with them on a couple of them. Some I paid them off in full though. My credit took off for the better.
Awesome advice! So much easier to build and maintain good credit than to repair it. I'm going to share this video with all the young adults in my life
This video was so informative but easy to understand.....I had to share with my sisters who are in the process of buying a house. This is much needed information! TFS
I don't recommend disputing bills using the links found on the website, it makes it easier for the creditor. Put it in writing, yes with a pen, make the credit bureaus work.
hmm, can you expound on that Abroken Heart? Thank you. :-)
you want to dispute through certified mail. by doing this it creates a paper trail that assist you in your 30 dispute window. if you file online you have no paper trail as to when your dispute was filed. so let's say you dispute online and they don't respond within the 30 day window you have no proof that they are in violation of the law.
Thank you. I appreciate you responding to my request to expound.
So the "Dispute Status" email that I received in response to my online dispute isn't actually considered legal proof? This is so tricky.
The "Dispute Status" email was just confirmation of the credit agency's receipt of my online Thanks again.
that's correct you don't have the same rights when u dispute online. when u dispute online you only have a handful of reasons that your disputing. if it's not in the drop down menu you will be out of luck. also when you write your explanation your only allowed a certain amount of characters, which is never enough to explain yourself. I suggest that you never type your dispute but handwrite it and send certified mail. they scan all disputes and will deny your disputes if it's been sent in by someone else before and that puts a red flag on u. many people find dispute templates online and use them, this is OK to do as long as you handwrite it and you switch up some of the wording to personalize it. but definitely handwrite and send certified mail. using these 2 methods I personally saw my score go up 200 points in about 8 months!
It tough getting off this hard inquiries, how do I go about it for pull offs?
the best repair i have had so far is still from cognitive hacks
The only organisation i trust is cognitive hacks
how do they do these things ?
cause i really need help for real
fixing credit is tough this days , hopefully they would be able to help me out as well
Cognitive hacks is amazing and reliable
Very helpful video. I've found that some collections agencies will offer you a settlement on that delinquent account , but they will not remove the account from collections. Instead they will mark the account as paid, zero balance and leave all of the negative history on your report. This is something to be aware of when negotiating a settlement. Most collections agencies will remove the delinquent account from the collections portion of your credit report if agreed to as part of the terms, but there are a handful that will only remove it if you pay the full amount due and then there are a few companies that absolutely will not remove it even if paid in full, it will remain as a paid collection on your credit report. Make sure you understand the terms of the settlement before you agree because once you agree you open up a whole new can of worms if you fail to hold up your end of the agreement.
This is a do it yourself video! I didn't know about soft and hard credit your tips and advise is going to put a lot of companies out of business :). Thank you so much for those great tips and advise, I will be sharing .
Also, if you have negative accounts work out a deal with the creditor. I agreed to pay in exchange for the information being removed from my credit report and was able to get 5 negative items removed completely leaving only 1. If they want their money, they will agree.
+Siennia J Nice!
I tried what you suggested ma'am but it didn't really work for me at some point because some of the debt were kind of large amount .
I was recommended to use a programmer, I used him and now ai am passing on the relay baton to you , Just get your score boosted and then help someone else recommend . Using a programmer is the fastest way to boost .
One Danielsten @ workmail DOT com was the recommendation I saw from other people here . I used him and now I am boosted too .
GoodLuck
please start a credit repair agency, thats where ur talent and gift is. luv ur passion...
This video is perfect timing! I am a 25 year old, broke college student and I'm trying to get myself back on track. My credit is not devastatingly bad, but there are some things I would like to take care of. Great video!
Make up tutorials????? Now THIS IS WHAT WE NEED!!! TY!
It would be great to see a video on doing taxes for young adults. Thanks so much for this video.
James can give you a One on One guide on Taxes and returns .
Jamesharden@programmer . net would be his personal Email Domain .
GoodLuck
One thing I was told from my bank as well as someone who gives credit advice is that negative items can remain on your report longer than the typical 7 yrs because creditors can and will report the items based on last contact with you..so if you inquire on an old debt after it was reported 5 yrs ago, the 7 yr clock starts all over again from the most recent contact...sneaky😒
Yes, my bank said the samething.
Yes and no. It depends on how you inquire... There are a lot of ways to inquire without admitting it's yours or without resetting the time clock... It's usually if you start paying again that you've restarted it. So no just inquiring is not going to restart the clock. There are many sample letters online to guide you into not restarting the clock.
Yes!!! You're very correct. A friend adv me of this as well, but it was too late for me as I'd already inquired. He adv me not to inquire until I was able and ready to settle the debt. I at no time claimed the debt within my inquiry, so I'm not certain how that worked out, but I was able to get them to agree to a pay to delete option in writing. It all worked out to my benefit.
Cherry chia where can I find the sample letters your referring too?
Thank you for this! Is inquiring the same as disputing the account?
Alright now!!!
You are on it doggone it!
Looking forward to next Thursday already!
GREAT information! I'll keep this video as a reference guide as I'm trying to rebuild my credit again! Thanks for much for this!!! :)
crazy I literally seconds ago researching this topic and I get this notification..um um um God is good!!!🙌🙏
finally a vlog with mucho substance #subscribed.
Thank you! Thank you! Thank You! I've been struggling with this thing for a little while, it's time to get it right Thanks again for the video
This is great!!
I would love to see more like this...maybe a series of credit building videos or something of that nature.
Regarding bankruptcies....
Chapter 7 falls off in 10yrs
Chapter 13 falls off in 7yrs
Both from date of filing
Also CreditKarma & Credit Sesame are totally free.
Credit Karma monitors your Transunion and Equifax for free
Credit Sesame monitors Transunion for free, but you can pay $16 for all 3. I am just getting the free one.
Both have apps and both do a great job keeping you aware of what's going on with your reports.
And regarding credit utilization....you were right in not closing your oldest cards, but also try to avoid closing any cards with crazy high limits. I have a 12% utilization percentage, but that is hugely due in part to a 5k Pottery Barn cc, so having that is why I'm at 12% overall. That's why this card will never close even though I am not a huge shopper there, but to keep it open I will go in every few months and buy a couple pillowcases 😂😂😂lol
Which brings another point. If you do have any "store" cc (which by the way I would stay FAR away from getting #justsaying) use them at least every 6 months so they won't close your cc because them closing you will be a detriment to your score as well.
And lastly disputing 100% works!!! I disputed 2 items that technically were mine, but because they couldn't verify them...both were removed.
+Brooklynn “sexytnmami” Richards Great points!
Brooklynn Richards q
Praise God for you making this video!🙏. So many people be worried about what another person can bring to the table when it comes to relationships. For some reason they never ask themselves the same question smh. I got to get my stuff together before I pray and ask God to bring me someone who has there stuff together#ijs#Thank you!!
Right!☝
Cehcafe (dot)combos amazing. I praise god for that
I'm so glad your back! I love your informative videos. Thank you!
Thank you so much for this video I was able to learn a few things I didn't know. I work for a credit union in cc servicing and I will be able to pass all this good info on to those who ask how to build their credit.
I know I ask this all the time, but can you PLEASE tell me where you bought those earrings? I absolutely love them!!!
Something that got me HOT is.. I paid off a Student Loan.. I was so proud of myself (15 years after graduating from college).. and it made my credit score drop like 11 points.. They say its because the account is now closed because it is paid in full.. WHAT?? I want all my brownie points for paying on time and over time..
it was your oldest account. when you close your oldest account, you lose a couple of points. In your case, it was a student loan and not a credit card.
Thank you so much for all of this information. I'm definitely going to take this and put it to good use. You have given me a lot of insight on things that I had no idea about. Thank you again!!!! I subscribed to your channel!!!
Cool Tips. I'm at 760, I've gone up and down on it but kind of stuck. I cant wait to see how this works out for me. Thanks of the info!
This video was so helpful! I noticed a dip in my score because of my credit utilization. Unfortunately, I went over the 30% of available credit. Recently I have been doing all I can to pay down my balances and make sure I'm not using my credit cards as often. I noticed my score is moving back up, but I forgot I could increase my limit. So I have increased my limits and will continue to pay my balances down. Thank you for the advice!
Thank you! This is a very informative video. I wish they taught this in college.
They used to teach us "Economics 101" when I was in HIGH SCHOOL! That probably why many my age are debt free heading into retirement.
Love your Inner Confidence, and the way you be 100% Youerseif.
My dear; excellent!, simply explained, multi-useful information... even for a cattle rancher like myself. My credit score is at 725 after much battle (Bankruptcy) and, "paying it down". Your advice is quit sensible. I found your video informative and helpful. Yes, that is my friend Ozzy "John" Osbourne hugging me.Denise Bye
"dat guhh good". (in my coming to America voice). Thank you! Great information
+molovefive9 LOL
I'm so glad I found your video .I wish I could give you 100 likes
Beautiful!
Loved the information we need it bad. You keep it real and I appreciate that! I'm trying to get things right and saw you video... thank you!!
+ArtEffects You're welcome!
So helpful I'm in the process of doing all these things to buy a home .Thanks for the information .
Very informative a women needs good credit, it will empower her. Sometimes men run off and you may need a car or mortgage😊 thanks for sharing.
Exacty
I know a lot about credit and credit cards, but I was still able to learn something new. Thank you!
You're welcome :)
Tamoi Tomlinson I have done just about everything and still hasn't came off credit! Please help me
Angela Ross dispute by phone and if its a collection state no contract. if its a utility or credit base bill pay it then dispute and send proof of your payment to breauras or ask the company you owe to remove it off your credit report. I brought my credit from 660 to 748 in a two months time.
Miss desire Independance can I pay you do mine
Angela Ross Im new to all of this but I will direct you to credit karma forums. You can post questions there. You can also check out a youtuber name Brandon Weaver. I learned everything from him. He has a book on amazon.
Thank you for the info! Sis. please tell me where you purchased/the designer of the earrings you're wearing in this video! I love them. I'm happy your recording again.
This video was a blessing. Had me up way to late but now I know what to look out for. Not doing bad but on my way to an A.
+Maryadine Washington Awesome!
everything she says is on point! however in regards to collection accounts, if you do call to settle or pay in full you can in fact ask them to delete it from your credit report. They don't have to do this but it doesn't hurt to ask and could be part of your negotiations if you agree to pay in full. Of course if they do agree to this get it in writing! It works, I've done it many times.Anyways, excellent video. very informative!
SuperStar Customs Yep. not every collector will do it but it doesn't hurt to ask. I had one of mine completely removed by just asking and I didn't get it in writing but I highly recommend you do before paying.
The 850 score has been a life long game for me. Sitting at 799.. But I NEED 850 to WIN!!!!!
Brother your 799 is a GREAT Blessing,
Credit score upgrade, credit cards top up and Credit issue.. mail.. hcreditrepair@gmail.com
Almost there, with time you'll win.
Thomas Henderson Please .. I want to WIN in life..
Mrmoldremoval
OMG!!!! God bless you! To the point. Makes sense. No confusion. Love your video. Thank you.
I so appreciate this video! Thanks for taking the time out to research and share the information!
Great information... Thank you💜
Very detailed, thanks for breaking it down. I'm trying to rebuild after accumulating medical bills from last year during my pregnancy. They've been sent to in house collections, should I try to settle?
You should visit cehcafe.com to increase your credit score. I got help and increased my credit score from 500 to 730
Hi Capri, if you want your medical bills removed from your collections without paying much money and falling into scams, send an email to hackenginee@tutanota.com he is a certified hacker and he has helped me and a lot of people.
i have used hackenginee@tutanota.com and i can fully say he is one of the best out there.. he increased mine and repaired my credit in 3 weeks. he is the best. send an email to hackenginee@tutanota.com if you really need th help
Capri82 contact Mr james at olivejamescompany44@gmail.com he got my credit score to 850 and I made 3k from him too... He's so good
Capri82 Try to negotiate a pay in full deletion. If you cant pay it let if fall off in 7 years.
My credit score hit bottom 551, my friend sent me to this office in miami lakes, and i have been very impressed with them specially because the offered me money back guarantee in writing to fix my credit, most people are ashamed of this matter and rather not discuss the issue but let me tell you i wish i would have done it a long time ago.
Brian kashiyap Contact him on moore_hack on instagram or mail him on martinezraber@gmail.com or +12013507159 on WhatsApp (he does not take upfront payment) if you need help about forex trading , Bitcoin hacking your PayPal,credit score fix, bank account,phone hack (cheating husband or wife ) western union hack,money gram,credit card hack,instagram verification, facebook and many more..
His fast and reliable .
Thank you!!!!! This helped me a lot
Kenita Renee You're welcome!
BorderHammer How much will you charge to fix my credit or you don't do that.
central.h@linuxmail.org or write them 518-344-0400 and you will be smiling just like me . i am 780 and I am proud I used their services .
Regards
joe morrow contact olivejamescompany44@gmail.com He did mine for me , he's very good at it and trust me it is affordable
Michael Vagno
*please DON'T dispute thru their website!!
There is a lot of good information in this video...I've really come to appreciate Dave Ramsey no dedt philosophy. "The borrower is slave to the lender."
Passing this on to everyone I care about. .thank you!
lol girl how you know i had jcpenny lol great video, i've been repairing my credit for a few months!
+MrsTClay33 LOL @ JC Penny!
Thanks for the wonderful information.
You're welcome!
+BorderHammer What do you mean by collection account?
Just got a recommendation from Uchachi for a consultant that fixes credit scores. His name is Rob and you can reach him at +16464397925....
hey you can contact hackenginee@tutanota.com he is very good. he fixed my credit score and also my husband's . he is very professional to be honest with you.
I just had my credit score fixed within 72hrs, it sounds unrealistic but it’s the truth, someone referred me to a guy named Herman, call him now 9123872604, this guy is amazing, I wish I met him years ago, so apparently he has developed a formula that takes advantage of the loop holes Uncle Sam has, he’s basically a hacker that will fix your credit score for money, I had no problem paying him since I was able to get loans after he deleted the bad items on my report, plus he offers a free credit report once you initiate a conversation, please say you got his contact off me Christie, he’s pretty paranoid as what he does is actually illegal, anyway as long as I’m not the one doing the dirty work I know I’ll be fine, don’t go spending all that loan money in one place guys!
Very good video! Thank you for taking the time to try to help someone else!
November 2016 I achieved that milestone 850. For six months I was between 841 and 847. I was content with an high 840 but then in November I checked my report and it was 850. Now that only lasted one month and it went down to a 825 because I purchase a large item. But I'm happy because I achieved something that most people never get too
What about when they buy the debt before the seven years?
greyhat@cehcafe.com is amazing. Got 801 points on my credit reports thanks to him
greyhat@cehcafe.com is a $4000 scam beware
Yeah....I'm trapped with that student loan debt. I'm going to have to pay my whole life.
+Dorian Parpari See if you can consolidate to a lower rate and tackle it bit by bit. You can do it. Good luck :)
Not me. I went to a state vocational school and learned a blue-collar craft. No student loan was needed. Then I made like an average of $30.00 an hour plus overtime for 40 years. I also got lots of exercise by working with my hands at a craft instead of sitting in a cubicle. Now I'm 65 and still healthy and physically vigorous. a 4-year degree is over rated. At least it was for me. Maybe it's changed. Anyway, my Boomer career worked out pretty good. Protip: For today's career reality, become a robot repairman.
no u dont
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thank you for making this if you're helping me ill watch for hours have a bless day
Thanks for your knowledge, beautiful . I've learned more than I knew. I will most definitely share the video.
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Haha I bet her credit is on point!
The meat without the fluff. Great video.
+supertoshaful LOL Thank you!
great job explaining, the in and out of dealing with credit. thank you.
love the video, Im in the process cleaning up my credit. this info I needed, thank you
+Bre Walker Awesome!
Funny, it's in a book. But no one reads. Credit Repair. Why pay people to repair your credit?
This video came on time Jesus. 😢😢😢
Won't he do it 🙌🏾 I needed this too OMG
you ain't Neva lied #thankyoulord
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Such great advice my husband and I are going threw it ok lol our problem is we hvr no credit but we are taking your advice and hopefully things will change
wow thanks so much for this. I've had my card for 4 months now and I max out every month. had no idea it was bad. I have automatic payments and pay in full every month but I guess that still affects my score
Hi. I am a credit lender and yes that is bad. Creditors look at this as your strapped for cash so you're maxing out your credit card. If you want to use this method to help your credit, you want to pay it off before the closing date because the credit amount is not reported to the credit bureau but your payment history is. I hope this helps!!!!
A lot of y'all need Dave Ramsey in ya life. Pay your debts & save for what you want.
yes dave ramsey my financial goal wish i would of learned this when i was young i believe if parents teach dave ramsey financial money views/teachings it would already prepare them for a real budget and how to really how have one, people use the term budget to lose. i know cause i do that often I've made a lot of changes. i use to work in the credit card industry and credit can be tricky , in each market , mortgage,credit card, car loan,etc..specialist in each area can tell you how to prepare your credit for each area and give advice how to repair it or direct with the info you need as well. good info she gave here on the video.
I thought that too in my 20s. Now, I'm 30 looking to buy a house wishing I had a better credit score. It's nearly impossible to save 150k for a home. . .
There's not a lot you can do without credit? Like what?
buy a house/condo. Without credit, you will have to pay 100% down.
Jason K Not true. You can do manual underwriting.
BULLPUPS09 what is manual underwriting?
Thanks a bunch for this video Rachelle! I am a Licensed Texas Real Estate Agent whose also been Natural for the past 6 years. I believe these are some great Tips, so I will be sharing this video with Potential Clients & my Natural Hair Groups on FB, Twitter, Instagram, & Google+. Take Care my Sis! :)
+KeedysWorld You too Keedy!
This was an awesome video. Thanks for sharing the knowledge.
Can I pay u to do it ?
kim stringer follow Neko Cheri on FB she's a licensed professional and she does a great job
kim stringer contact olivejamescompany44@gmail.com he did mine for me , very good at it and it's affordable
how long will it take
Julia Tanner hello Kim it doesn't take much time not up to a week .
Michael Vagno Hi does he have a website or a couple videos i can take a look at? I would love for my credit to get back to being better then it is now.
my credit is all the way f'd up,beyond repair I clicked for the pretty woman in the video lol
Les Leb that's funny as heck. at least you can admit it.
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Thank you sooo much for sharing this information, it was so helpful!
you are such a beautiful blessing! thank you for so much positive information sharing!
The higher your credit score just means you borrow a lot. The best thing is to have a zero credit score, which means you don't borrow money. I'd much rather have a zero credit score meaning I pay cash and have NO DEBT. Think how much interest you pay over a lifetime. Credit cards aren't worth it. What they don't tell you is you can still buy a house or a car with a zero credit score.
Wow. You learn something new everyday. Thank you for this.
Cash is king!!!
You are correct, Hajin. But the clue here is to NOT be using credit in the first place. Credit card companies want you to use their cards because not only do they make money from the sale of goods and services, but they make a killing on the interest rate. Many have an interest rate of 18% and higher. The longer it takes to pay off a debt the more you end spending on that one item. Higher credit scores just prove that you burrow a lot and pay it off. But who really wants to have that much debt! I can have a great credit score and be in thousands of dollars in debt....no thank you. Do like we used to do back in the day, SAVE for what you want and pay cash. You will always come out ahead.
What she teaches here is good advice if you are using credit cards and have debt, but when you get to my age, you won't feel as obligated to make credit card companies rich, but rather keep the money for my use.
+Aight We'llSee when I was using credit cards I did like you and paid the balance off each month. But then I realized that if I had the money to pay it off each month I might as well just use cash. It's to easy to slip up and go crazy with credit cards. The temptation is too great for some. Cash is king!