5 TYPES OF CREDIT YOU SHOULD HAVE
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- čas přidán 28. 07. 2024
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1. Revolving
2. installment
3.
service
4.
secured
5.
unsecured
write examples later....
1. 0:20 Revolving credit
(credit cards)
2. 1:09 Installment credit
(student loans, personal loans)
3. 1:55 Service credit
(utility bills)
4. 2:42 Secured credit
(Home and auto loans, basically anything that can be repossessed)
5. 5:03 Unsecured credit
You a real one
Another great video, packed with info, quick & to the point!
Love your channel!❤❤❤
Awesome video! Insanely informative! What camera do you use for your videos?
I love the background...so simple, crisp, clean yet effective! Love your channel!
Great info!
Super great info 👍🏾👍🏾...great vid as always
Glad it was helpful :D
Always great information 👍🏻 thanks Yaneli
You’re welcome! Thanks for watching!
Really thank you
It really made my homework easier
Thanks a ton!
Thanks you so much! This video was so helpful. My goal for next year is to get a 800 but I only have credit cards so now I know to get other forms of credit.
Awesome Information as usual thank you so much for providing this information!!
I also have all these types credit too..
Nice! You beat me to it!
Super helpful, thank you
Thanks for the video 💯
Beautiful Background !
I have one installment and 3 revolving my mom have a house loan auto loan and credit card and she max at 850
Which is a better way to buy a car? Financing or loan?
I actually have a personal line of credit. It's a revolving, unsecured account but it can be cash. It's different from a credit card because it's not a cash advance. It's an account I have as safety net. Interest is simple 15%.
I have an excellent credit score (btw 750 and 800) but with only credit cards, student loans, and service credit. My report is mostly spotless though with no missed payments 7% utilization, but a single hard inquiry and only 5 years age of credit.
Great vid!
That was really helpful
Have 1 credit card that is paid off each month when I use it. Utility and A Bank Account, that is ROI after 12 months. Car Insurance is paid in full without installments. 1 Paid-Up before you can use it Credit Card. At the moment I am looking at updating my Finance Qualification in Accountancy, so may look at paying through installments, though it could be paid in full. Web Hosting is a small amount each month that is paid via Credit Card so I and utilise it for payment.
Though that site does need content put on it as it has been sitting there for a year.
I don’t know why a consolation loan or an unsecured loan would be better than not having one at all. I have all but the last one. Also I’ve read that paying off an auto loan early would close the account therefore dropping ones credit score temporarily.
How doe rent and utility bills show up on credit? What steps need to be taken?
You forgot to mention open credit; ie amex charge cards
How do you feel about Dave Ramsey's thoughts on this subject? Some of his rules are to not have credit cards and make sure that you pay off all of you loans and to never borrow money again. He says you can build your credit just fine without credit cards and loans
You can not build credit without borrowing money. Dave says your score will not exist if you stop borrowing money.
What credit card should I get at 18? I'm planning on going to college next school year and have a baby boy
I have a credit card that has late payments on it should I pay that card off and then close it or should I keep it open to keep the age of account would a closed account with late payments hurt me less than an open account with late payments
How can I get my rent payment to advance my credit? I would need a huge amount of initial credit for that to fall within 9%.
Would be cool if you could expand more on service credit. Other ways of fulfilling this besides having gas or electric bill? I got netflix
Look up the perch app for iOS App Store 💯
How do you get the service bills to show on your credit?
Go default then they'll show up
You should start a podcast
Great Content
What is CLEAN CREDIT ?
Keep um coming
Very helpful
Hi it is available in India
Would an auto loan be installment credit that’s secured?
Yep, that’s correct!
Does a cell phone count as a utility??
Not sure, but they only report if someone goes default.
Beauty and brains.
All these lame thirsty guys hitting on you on your CZcams channel. Smh. Get out and get a girlfriend..lol
Jel much?
Jelly shelly
Light bills company dont report to credit bureau
I saw something called Boost or credit boost on one of the big 3 credit bureau sites, can't remember which one but it does allow you to include utilities. Since it said boost, I figured it was only to temporarily boost your score like if you're seeking a loan or something. Might be worth checking out. Credit rules are always changing.
@@AquaLew Experian that the only credit bureau that does that
@@AquaLew i want all my credit reports to match
Hi thank you
I heard u grew up with my mom! Fina ventura
Thanks yanile Good infarmichen⚘⚘⚘⚘⚘⚘⚘⚘⚘⚘⚘⚘👍👍👍👍👍
You’re welcome! Thanks for watching!
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Who's here because of 7th Grade Economics?
lol anybody here for edpuzzle?
Umm I emailed you and you never wrote me back 😔
Oh no. I’m sorry - resend it because I must’ve missed it!
MissBeHelpful ok I’ll call you and leave the voicemail instead... I’ll leave my email just incase.
So... is it MissBeHelpful or MrsBeHelpfull? ;)
Great info!