2021 Increase Your Credit Score FAST! (Boost FICO Score to 800 or even Perfect 850?) 

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Went from 602 to 811 in less than 4 years. Now $48, 350 in total credit + Amex Gold with no preset limit. Thanks Adam and Ben Hedges.

Yes! When I was less financially responsible and racked up my cc debt, I ended up with about an 80-90% credit utilization. I then spent a good 8 months paying it all down completely from two CC’s, about $17k, and my score which was hovering around mid 600’s, jumped to high 700’s by the time I paid it all off. Now I’m sitting pretty in the 800’s, even hit 830 last time I applied for a new CC (still got denied tho.. USbank lol)

Update: Listen to this man ok. I went to bed and woke up to a 75 point rise. How? Because I had one last collection waiting to drop off. I am now at 753 Fico. Just a FYI, I was at 544 March 2020.

You’re the first Credit RU-vidr I’ve watched to actually clear up the “On Time” payments. I’m glad to know it’s more like 30+ days rather than only one day late. I won’t be nervous about rushing to the post office like I use to 😅

I paid off $7000 in credit card debt. Two credit cards. Paid off my car. Five year loan. My credit score did not go up at all. What the hell is that?! What a racket!!!

I understand that signing on to someone elses credit card as an authorized user will boost your score, but personally i would never do that even if my score sucked it just sounds like a potential problem. If it takes a while it takes a while. The fast credit score smacks of fast weight loss tactics they might work but actual habits are what work long term don't buy stupid shit you can't buy with actual money is a good plan. If you make 50k a year a 50k dollar car is stupid. Don't be stupid.

I keep my utilization low, low like 2%. My credit has been moving quickly.

So in July of last year a had a score of 561 got a secured discover in January my score was 768 discover gave my money back and increased my limit to $1800 my score is now 710 because I paid off a car loan.

I am a first-time listener and was impressed enough to become a subscriber. Though I have over a 700 credit score I am Stilll looking to increase it over 800.

Good info. You broke this down better than I tend to when talking to family and friends so I’ll be sharing this video with a few folks who just never seem to get how to manipulate their credit utilization to their benefit.

Great for Americans with authorized user but doesn't work in Canada

I can listen to your videos all day!!! Thank you so much ☺️

Age of accounts is the most important factor. (my bad)

My credit would almost perfect in exactly two year and I don’t have to do nothing other then wait. 🌟

Here is the other thing I don't get is with a 818 credit score and I pay off my credit card and yet Chase will not approve. This is crazy.

I really want to get to a 750-800 score but I currently only have 700+ with a bunch of cards. I think all my cards might be affecting my score from going up? Because of my age of credit history being debunked a bit when opening a new card i.e credit karma says? 🤔 I’m not 100% sure..

Experian is actually my lowest of the 3

When you are able to change your score, that tells me that it's a scam at its core. If it was truly based on what they say, you wouldn't be able to change it by doing anything but paying off debts.

Love your video. I enjoy listening.

Cool vid.. great info

My dad added me as an authorized user with the intention of building my credit, to well-known MasterCard card, and we were told repeatedly that they do not report authorized user information to the bureaus. How can we determine which cards will report for authorized users?

I paid offf my complete loan yesterday which was my ONLY TRADE! Instalments loan and my score DROPPED from. 630. To 586… so frustrating !! I was trying to boost it ASAP because I’m planning to buy a car in July! ANY SUGGESTIONS HOW TO INCREASE SCORE IN 30 days? So I can get car approved.

Does credit utilization look at the total balances to the total available credit, or does it look at cards individually (like having a higher % of utilization on one card versus the others)?

Love it! Thank you

I'm sorry but nothing new here just credit info for a newbies. On the authorized user I've heard it's not as useful as it was in the past. Plus you never mentioned trade lines, CD's and SSL's thinks like that or even the ability to dispute inquiries that never translated to a open line of credit...

I got a question. If i spent 75% of my available credit, what is better, to pay my debt completely or to leave a 10% of the debt and not pay it in a full?! I have never had some answer that question for me so if you could clarify that point I will be so grateful

Great video

Is any company using version 10 of the FICO score yet?

One of my cards was recently closed due to inactivity. Would it be worth taking the inquiry hit to apply to reopen it due to the 14 year history?

This was informative thank you sir.

Hi! Really cool videos, I found a lot of information here, thank you! I do have a question, what if I become a authorized user on a good card (good history, big amount of money) and then, for x reason we have a late payment, of course that will be reflected on my credit history, but, what if I am being removed from that account, I am still going to have that late payment on my history? Another question that I have, how long I can wait to remove an authorized user from my credit cards? Thank you!

Does putting your credit card payments on auto pay help your credit score

CREDIT 101 U Get To It And Break it Down Fluently Good Job Knocked out the Park!!!!!!!!

Great video as always!

Great video thanks

How long does a credit pull stay on your score? 2 years? 1 year?

How can I write to the 3 credit bureau s and what are their addresses?

Thanks!

Great info Adam

Thanks

This is what I don't get. I have a 818 credit score from Experian but time and again I can not get a Chase Freedom Credit Card. I am baffled.

I have a zero balance and they dropped my score 21 point to 745 wtf kind of shit is that

Does FICO count authorized users into their ratings?

Too many damn credit reporting agencies!

makes huge difference when you keep all your credit card debt spread out amongst your cards. If your just using one card and rest of the cards are nothing then your credit score will take a huge hit.

Can getting a secured personal loan & paying it back in installments help build up one's credit score?

Good morning

I just applied for a mortgage and my middle score dropped 22 pts the others dropped 7 each. How soon can I apply for new credit once my loan is funded?

My scores are behind 730 and 760 within the three credit bureaus but I keep getting turned down because of a bunch late payments in 2015 :(

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blah, blah, blah! Nothing useful here. My score hovers around 790. I say hovers cause I pay all chit on time and my score drops 5 points....for no reason. and it takes months to get that back after doing everything right. That whole system answers to no one. Total BS.

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