How to Get A PERFECT Credit Score For $0

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4 дек 2023

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Комментарии : 1,2 тыс.

@clearvaluetax9382 5 месяцев назад

Join our EXCLUSIVE Investing Community at: ClearValueInvesting.com GET 3 FREE STOCKS when you open up a stock account here: a.webull.com/i/ClearValueTax

@elgallo3604 3 месяца назад

YOU REALLY, BROKE IT DOWN 👇 ... BABY STEPS ... WELL DONE ..

@cynthiaspencer9994 Месяц назад

Do you show people that purchase the subscription how to open an investment account and also how it works? For those that know nothing about investments.

@hansrajmeena837 3 дня назад

Congratulations, *DaleValskov* I am relieved that you are out there fighting these thugs, We musttake every precaution to protect the elderly and the general public from these despicable con artists. Congratulations to You!! You deserve the Nobel Peace Prize for ensuring our security.

@SirShiv7 6 месяцев назад

Imagine sweating your ass off to get a credit score in a country who can't handle their fiscal responsibilities but will actively punish you for not staying on top of yours.

@evelyncarter2378 5 месяцев назад

Totally agree

@Kathleen67. 4 месяца назад

Excellent comment.

@atleastimtrying5391 3 месяца назад

It’s better that being poor

@imanjones3807 2 месяца назад

Yea well it's capitalism at it's finest...if you don't like it perhaps you want to go back where you came back or relocate hun

@SirShiv7 2 месяца назад

@@imanjones3807 Imagine thinking this is capitalism. You should have stayed in your college safe spaces. 🤡

@2shoestoo 6 месяцев назад

Have you ever noticed when you use credit it goes on your report right away and when you pay off your loan it takes forever to reflect on your credit

@ashleym6765 6 месяцев назад

Yes!! 😂

@DJSolistica 6 месяцев назад

Credit companies report balances as short as every 5-7 days. (Weekly). Just info to know.

@righteousone1 6 месяцев назад

The small hat credit system keeps ya financially enslaved.

@ebo7310 6 месяцев назад

Yup

@dolly4446 6 месяцев назад

Exactly 😞

@citystars1117 6 месяцев назад

Currently went from a 560 to a 725 in 2 years, very proud of my score.

@Lottieloves287 6 месяцев назад

Would you say that you followed the tips in this video? Or did you do something different?

@AlexPerez-si3sw 6 месяцев назад

Any advice?

@darius9513 6 месяцев назад

Any tips? I'm currently at 605

@Davies27549 6 месяцев назад

Yes. Same thing to me from 639 to 725 in 2 years by keeping total utilization under 10% and no late payment in 2 years.

@IgotJoshsYTchannelTerminated 6 месяцев назад

@@Davies27549why did it take so many people two years to achieve that? im confused because i got my first credit card in january of this year and my credit score is 781 today

@avenger1212 6 месяцев назад

We paid off our house, and my credit dropped 30 points in the following months. It's currently as low as I can ever remember it being, in the low 790's. Paying off debt apparently isn't how you get credit scores up.

@Xavier-xe1rf 6 месяцев назад

Duh they want you to stay in debt FOREVER!

@ct00001 6 месяцев назад

Correct. If you refi or buy another more expensive house, it'll go back up. If you're debt free, pay cash for vehicles and have only one credit card like I do, your score wont even hit mid 700s

@why6212 6 месяцев назад

Yes, removing the positive scoring accounts from your credit hurts your score. What a mystery.🙄 Are you also confused when removing negative scoring accounts raises your score?

@ltphilipg 6 месяцев назад

Then why would you need credit? Credit score is your ability to pay back current loans to see if you can handle more loans based on the credit bureaus criterion. If you have no loans, you have no need for a credit score

@davidcarp5935 6 месяцев назад

yeah WT heck! same here

@rodrigocortes3641 6 месяцев назад

Here’s a tip for parents with teens. Put them on your credit card at age 14 as an authorized user without telling them. We did this with our daughter and now she’s 20 years old in college with a 790 credit score. 🤑🤑🤑. We told her to check her credit score on her 20th birthday and to our surprise she has a 6 year credit history and on her way to financial success.

@SpoonHurler 6 месяцев назад

They really need to stop allowing parents from doing this. For every 1 child like yours, theres 10 kids like me who get the pleasure of dealing with debt collectors at 18 for things their guardians bought.

@kevo212 6 месяцев назад

@@SpoonHurleri see this problem on financial audit, the children getting destroyed by irresponsible parents

@rodrigocortes3641 6 месяцев назад

@@SpoonHurler wow, that’s crazy. Sorry to hear that

@turkeynotfranks8491 6 месяцев назад

@@SpoonHurlerAuthorized users are not responsible for any debt on the account. Also, if your parents are irresponsible and misuse the credit card that you are an authorized user on, you can have the activity removed from your credit report. It's completely harmless. I'm not sure why creditors were after you at 18, but it wasn't because you were an authorized user on your guardians account.

@Mr8675309ful 6 месяцев назад

@@SpoonHurler the banks better not stop allowing parents to put their kids on their credit cards as AUs. That debt collector comment is BS unless your parents committed fraud when adding you. Now if they were just degenerate spenders you have recourse to remove those bad marks from your credit profile.

@lilbit2274 6 месяцев назад

Bonus- to boost your score, pay credit card bill before the end of billing cycle, NOT your due date. It is weeks before the actual due date.

@RobTRW11SC 6 месяцев назад

All good info. I was well into my 30's before I figured out most of this. They REALLY need to teach this in High School, as well as preparing a tax return. Schools desperately need a class on being fiscally responsible.

@alexwhitney1841 6 месяцев назад

I wish schools would teach this too, but they're too busy trying to indoctrinate and teach kids about gender and pronouns.

@e5toro7008 6 месяцев назад

The reason this isn't taught in schools is the same reason investing in IRA's 401K's and HYSA isn't taught in school... the system is designed to keep you dumb and broke. The system wants 9-5 slaves. Most people are.

@KalaGora031 6 месяцев назад

I totally agree on this

@kevo212 6 месяцев назад

financial education is severely lacking in highschool, almost by design. instead they force teens to learn math that won’t help IRL. Financial and societal principles/values should be high priority subjects

@Chad_Max 6 месяцев назад

They should be teaching how compounding interest works but our math education is way behind the rest of the world so it’s kinda pointless…

@aaronsurfs 6 месяцев назад

The US Government should watch this video lol

@clearvaluetax9382 6 месяцев назад

Yes, they're sub-prime for sure.

@gabeacgabeacevedo 6 месяцев назад

@@clearvaluetax9382 lol that they are

@CPDCT 15 дней назад

LOL

@christopherhodges1189 6 месяцев назад

I'm at 767 came all the way from 550

@mercedeswilkins9085 3 месяца назад

That’s excellent

@sic1six 3 месяца назад

Nicely done! How long did that take??

@christopherhodges1189 3 месяца назад

@@sic1six 9 years now

@SML-SLL 3 месяца назад

How long did it take

@jw8927 6 месяцев назад

I have had that for over 30 years, simple... just pay your bills in full before they are due, live below your means, keep ratios low..do not carry a balance. Keep some credit cards and never cancel them even if you stop using them because it provides history.

@undefeatedaj 6 месяцев назад

‘A low credit score is a universal turn off’ damn 😂

@kevinrichardson6686 2 месяца назад

Credit is the biggest bullshit in American history

@nejyz 6 месяцев назад

Brian, you've consistently produced quality, informative content on this channel for years now. We salute you for your service, my good sir!

@2-old-Forthischet 6 месяцев назад

During my working career, my credit score was just above 700 which was fine. I then retired and on a fixed income. Both of my vehicles are 20 years old. My travel trailer was bought with cash. About ten years after retiring, I paid off my mortgage quickly with double payments and then a lump sump payment for the final payment. I then started paying off my credit card balance shown EVERY WEEK. My credit score then jumped to 840. It really doesn't matter now, because at my age, I don't plan on buying anything expensive.

@StellaM60 6 месяцев назад

And it's a great thing you paid off your mortgage.

@sydneyhart 6 месяцев назад

Excellent!

@autohrap5884 6 месяцев назад

They probably want you to buy more stuff in credit

@PR0PHESY 6 месяцев назад

Don’t say that.. of course there’s something you can do. You can co-sign for me 😁

@slockhart1234 6 месяцев назад

You can get lots of perks...points to travel, getting luxury hotel suites etc.!!

@lasvegan7021 6 месяцев назад

I've worked in finance my entire career, auto's, mortgage, RV's etc. This information is true and correct.

@tubezaspiak 6 месяцев назад

Simply the clearest explanation of how credit scores work that I've come across, Thank you.

@ceyleighdugan4989 6 месяцев назад

Thank you for sharing your wealth of knowledge Brian! There are so many "credit repair" companies taking advantage of people.

@jacklynholman3578 6 месяцев назад

I just paid off both of my car loans. I was so happy.. then I found out it lowered my credit score... that is annoying 😑

@Chad_Max 6 месяцев назад

People are dense when it comes to finances. They think they need to be debt free but this is a silly way of looking at finances. Building wealth doesn't come from being debt free, it comes from developing assets that increase in value over time. Generally, this is a home. But the ideal scenario is a set of assets that increase with compounding interest (401K, index funds, etc.). Eventually those assets will be worth more than your debt and you will have a net worth. That's the key, developing a net worth not necessarily being debt free....

@dennisstorres 6 месяцев назад

Is really stupid! Everytime you paid off your debt, goes down up to 20 points! Doesn't make any sense!

@ws775 6 месяцев назад

It’s like your a better credit risk if your actually using credit rather than just having credit available.

@gamingwitchutuu429 6 месяцев назад

Just a few months, unless you plan on making another big purchase

@PT3005 6 месяцев назад

Happened to Me in May when I paid mines off

@mandowrx1 6 месяцев назад

This video should be shown to every single person graduating High School.

@gabeacgabeacevedo 6 месяцев назад

share to your friends and family, and maybe on social media. These videos need to be shared nation wide.

@JohnSmith-ti2kp 23 дня назад

@mandowx1-They would be playing with their phones instead of watching it, and also their attention span is measured in seconds.

@SunburstFender18 6 месяцев назад

Owning 10 or more credits cards and only using 2 or 3 sometimes with low balance or early payoff can increase your credit score greatly.

@Vinny8El611 14 дней назад

I have 26 and you ain’t wrong 😂

@Desert_Flower_Faith 6 месяцев назад

😂 he said you treated like you’re coughing during the pandemic😂😂😂 his conservative, comedic , twist I just love it😂

@patriceh-tissier6425 6 месяцев назад

I don,t have credit card for 15 years and I breath perfectly, 😂

@jperdue3567 6 месяцев назад

Possibly the most sound advice I've ever been given on how to build my credit. I struggled when i was young and tanked into the low 5s. I've not been able to get into the 7s yet. Now i think i understand why. Ty Brian!

@davidcornell4463 6 месяцев назад

My credit score is practically homeless and it annoys me when people bury the info I actually need.

@oscar90210 5 месяцев назад

Out of all the videos on RU-vid about this, yours is the more efficient, well explained and more clear. Thank you for sharing chinito 🙏🏻

@Charlesmarcel-ee4ke 6 месяцев назад

I can say this the credit score will never stay the same it goes up and down all the time I’m 720 to 750 down to 680 back to 750 all under one year I only have 4 credit cards 💳💳💳💳😊

@A_To_The_O 3 месяца назад

My mom has an 862 credit score. I didn't even know that was possible

@creed200569 Месяц назад

That makes no sense because 850 is the highest you can go

@BigWig777 Месяц назад

@@creed200569mine is 870.

@colorexplained 6 месяцев назад

Great info. I have taught my son that there are two things he needs to get through life with ease -- good friends and a good credit score.

@d3vill3ath3r 6 месяцев назад

I think it's a good idea to place a freeze on your credit at all 3 so no one can misuse your ssn.

@DJSolistica 6 месяцев назад

Great advice, honestly!

@abriyahyasha-rahla2656 6 месяцев назад

Yes, absolutely!

@JayBougie 6 месяцев назад

Recently started making good money since the pandemic but my credit scores 600. Got some work to do, needed this video, Thanks Brian!

@debralarive 6 месяцев назад

This should be required viewing for all high school, technical school and college students.

@dannyfinanzas3064 6 месяцев назад

“Neither” that’s todays lesson 😂

@CpT_PrInCeSs 3 месяца назад

😅

@dwelanesepelle6842 5 месяцев назад

This is the most clearest advice and explanation of credit score and credit card usage I’ve ever seen great job😊

@clearvaluetax9382 5 месяцев назад

That’s so kind of you, thank you!🙂

@giolrz8237 6 месяцев назад

Ah yes credit score. The American equivalent to social points on China.

@empressonthethrone 6 месяцев назад

🎯

@DJSolistica 6 месяцев назад

Not even close.

@redslate 6 месяцев назад

More the opposite. China is trying to model rep as social "credit." Nice try though.

@roottrackerzbyyaira 6 месяцев назад

Call the creditor to have them remove the late payment. They will IF you are in good standing with them!!

@rubenvillasana2115 6 месяцев назад

Very well done video, trying to answer almost every question most people ask while keeping the video moving along. I have had the benefit of correcting my Credit score and I can say you are going to help a huge amount of people who finally want to start helping themselves.

@anye76 6 месяцев назад

Valuable info Brian. Thank you so many of us were never taught anything about credit.

@dolly4446 6 месяцев назад

You answered my questions and gave me peace of mind I’ve been stressing over getting my score to excellent but now I know I’m GOOD as good can be 😊

@sonagray3176 6 месяцев назад

Brian, an excellent visual representation of how credit works! Thank You 👏🏾

@jaxjr121 Месяц назад

This should be taught at home at the dinner table and by the start of junior high school. Period. 💯

@tel5690 6 месяцев назад

Awesome information Brian I'm in the middle of this process now My credit is good... not too far away from 700 Great video

@summawub 6 месяцев назад

I like the graphics on this video. It makes it easier to comprehend than just watching you talk to the camera.

@johntatman9168 6 месяцев назад

My wife and I have been in the 830+ for the last ten years. Never have gotten to 850.

@gamingwitchutuu429 6 месяцев назад

After you hit 9 years did you score go up

@Drko_Kane 6 месяцев назад

This page has saved me from myself and I mean every letter of this, THANK YOU

@thetoughgroup 6 месяцев назад

Well done brother 👊🏾

@pradeep.s 6 месяцев назад

10:00 best tip. happened to me also. i now pay the cards weekly.

@Lisacarroll57 5 месяцев назад

Its annoying how quickly they reduce your score if you make large purchases, yet they are slow to give you the points back or don't give you the same number of points back when the payment gets paid in full by the due date.

@madalynbutler5676 6 месяцев назад

Thanks for this. A lot of us have improving our credit as new year resolutions. We can get an early start 🎉

@DJSolistica 6 месяцев назад

Why wait for new years!

@truecapitalist4718 6 месяцев назад

It's too bad that the federal government isn't subjected to the same scrutiny.

@forlopau1543 6 месяцев назад

Wow..Every School Kid should watch this. I asked my 20 year old Son to do so and then discuss it with me. Superb content that shines above the dross..Thank you very much.❤

@kimmiele6011 6 месяцев назад

Thank you for pretty much explaining and advice on tips. Liked the breakthrough on credit score level 👍

@8notoriusinquisitorius87 6 месяцев назад

Having been all three, I like super prime seating the best. Personally, we are wickedly over extended (imho) and of course utilization is high as well, but they still keep offering us credit right and left, it's unbelievable. Thank you for tip #2, I just used a credit card because they were going to close the account (not one I want to close, high limit) so I charged something small just to keep the card active. Thanks Brian, have a great day!

@gijane880 6 месяцев назад

Ugh, I did close credit cards once I paid them off, no one really tells these things in your 20’s

@aanshi247 6 месяцев назад

👏🏾👏🏾👏🏾👏🏾 excellent video!!! You helped me understand credit more with this video. Thank you

@mariannehuston4050 6 месяцев назад

Great video Brian....so many people need to know how the system works and the tips to work in their favor.

@TripleJJJ38 6 месяцев назад

I’m kinda new to the channel, I don’t think I’ve ever seen you smile before. It’s a good look for you 😊

@KaniZRC Месяц назад

Beat the credit scam score system by having zero debt. Thank Dave Ramsey later!

@MAV70389 6 месяцев назад

It would be nice if early payments give boost to credit like late does to drop your score.

@mornat4638 4 месяца назад

Despite watching many similar videos, this one is the most clear and easy to understand. Thank you. THANK YOU!!

@cyndimanka 6 месяцев назад

I love it when people use the proper use of the word an right off the bat.good video.

@emmuealhird5075 6 месяцев назад

I really enjoyed this video. It was informative and I truly appreciated the teacher/instructor tone you have. That made it easy to take in the information. I hate fast talkers which come off as hustlers.

@markonastov8918 6 месяцев назад

Brian giving out Tinder tips 😂😂. Great video btw. When i moved to the US my first credit score was 704 at 21 years old. It’s so simple yet people are so undisciplined.

@DJSolistica 6 месяцев назад

@@I.Have.The.Juice. Just about every American regardless of age walks around with the most advanced technology known to the human race in their pocket; yet instead they choose to only use it for funny videos of cats dancing. If a 20min RU-vid video is all it takes to be 'educated' then I have no sympathy for anybody claiming to be 'uneducated' on this topic.

@joycejohnson9760 6 месяцев назад

Your 837 score is great. Mine is presently 826 and climbing. Thanks for the video.

@nickbeatty9704 6 месяцев назад

Didn’t know 720 was the threshold for super-prime. Sitting at around 705 right now and getting ready to pay off my zero% APR cards soon

@carlchristopher2534 6 месяцев назад

Great information except for one thing. If you are trying to save the interest charges or keep your utilization rate down, you need to make a payment to your credit card no less than 3 days in advance of the statement date. Most people do not know what the statement date is. It's sometimes hard to find on your statement, but this is the date where the interest is charged and the date the credit card company reports to the bureau's.

@daindigokid 6 месяцев назад

Oh wow I was just wondering about this. Thank you.

@jf-be4zy 6 месяцев назад

I always pay off my credit card as soon as the charge is listed to avoid any problems and my cc and checking account are linked.

@carlchristopher2534 6 месяцев назад

@@daindigokid You're welcome if you have any more questions just posted here.

@carlchristopher2534 6 месяцев назад

@jf-be4zy Okay, technical question. You say you pay it off when it's listed, guessing you mean on your statement. This means it's already passed the statement date.

@Sintorace 6 месяцев назад

8:00 I use credit arbitrage and often have a balance on 0% apr cards while generating interest on the money during the intro APR period. I either pay it off completely or do a balance transfer at 3% to another 0% card to continue generating 4.3-5% interest. You should do an arbitrage video

@MrArtVein 6 месяцев назад

How are you liquidating

@TheArtOfDean 6 месяцев назад

Thank you for the tips. Much needed by yours truly.

@wandalee7159 6 месяцев назад

Hello Brian and thank you for this crucial info. Thank you for caring. When my husband had a stroke in 2017, he could not work so alot of bills colapse. He has been back at work and we are slowly paying things off and not using credit so muxh. Now we just need extea income to buy a home soon. We are in our 50s and 60s too. Thank you for all you do. Jesus loves you!

@pamw1490 6 месяцев назад

Thank you so much for this wonderful video. I think it’s the best one you’ve done. I learned so much from this video. Thank you for explaining everything and making it simple to understand. Keep up the good work!!!!👍🏼

@livemyw0rld 6 месяцев назад

Thanks for the video man. I watched 'til the end just because it resonated so much and really helped reinforce the ideas I vaguely had about it all. It's a rough journey for the build it back team.

@Sunshine-ku4ze 21 день назад

Whoever made up these rules needs to be fired immediately, it’s all control!

@brandonwashington863 6 месяцев назад

King you always bring us TREMENDOUS VALUE!!!!!!!!!!

@laredotech 6 месяцев назад

I already knew all these tips, but I wish I knew that when I was younger.

@aloysiusneumeyer171 6 месяцев назад

If you’re in the 500s, you get looked down upon like coughing during the pandemic. Absolutely hilarious.😂😂😂😂😂 good one

@ifukturmomsface 6 месяцев назад

Always looking out for us Brian! Thanks 👍👍

@nikc.4113 6 месяцев назад

Thank you sooo much, you have no idea of how much this has helped me. GOD BLESS YOU! 🙏🏽💪🏽

@Joe-eg7ml 6 месяцев назад

802 is my max score, i can never go beyond that because of my good debt(positive equity) on 2 houses. I rem when the mortgage lender sold my mortgage account(one of the houses) and was briefly in paid off status which was report to my credit. It jumped to 837 then when it showed that I had the loan with new mortgage company it went back down to 802....lol

@AutoWolf333 6 месяцев назад

I've never had anyone ask me my credit score on a date before. Does that actually happen? LOL

@lutherl4473 6 месяцев назад

Great video.. good job.. I knew most of this except for when the credit company reports the charge..

@KnownAsLeo 6 месяцев назад

837 is a solid score. Mine has been over 800 for a while, currently 814.

@siebs888 6 месяцев назад

Hey Brian - not sure if you'll see this or have any answers. I recently hit 800+ on my credit score; all I have is a mortgage and student loan. My student loan balance was a lump chunk of 15k and my credit report reflected such. My provider sold the loan to another servicer; who then broke up the 15k into 5 different accounts, smaller chunks of course, but my credit dropped back down to well under 800. Is there any recourse here or just have to let it play out?

@losteyesight 6 месяцев назад

You have made so many EXCELLENT, INFORMATIVE and ACCURATE videos, this might be one of your BEST! Thank you!

@ahernandez7373 5 месяцев назад

Brian you have always been the man!

@gracestrand393 4 месяца назад

Recommending this to my 17 year old to watch. Comprehensive and easy to understand. Thank you!

@brittney8313 6 месяцев назад

Loved this!! Thank you for your expertise!!!

@tishr9670 6 месяцев назад

832 here and im tryin to get that 850....when i get close, it drops

@neilsaguid9889 6 месяцев назад

Love your honesty!!!!

@leilaniholmes8643 5 месяцев назад

I’m super thankful for this timely information 😊

@Inaesteeina 6 месяцев назад

Thank you, Brian. This was extremely helpful!

@joeyluvgirls 6 месяцев назад

Thanks, you make it so clear to understand

@BlueJeansandJellyBeans Месяц назад

Thank you Brian for all these tips!

@shelbyhurst9660 6 месяцев назад

Thank you for sharing this message Brian

@lorisykes252 6 месяцев назад

Nice presentation. By the way late payments on utilities aren't reported so they don't affect your credit score.

@leithmcguire7995 4 месяца назад

They do report it. I can attest to it.

@SKZ1360 6 месяцев назад

I have been following you for at least 4 years and I love all your videos, keep up the great job 🇺🇸

@clearvaluetax9382 6 месяцев назад

Thank you for the 4 years of support Shervin!

@shodack5124 6 месяцев назад

Wow, this is so helpful! Seems like currently being super prime does NOT make as big a difference as it should...

@ronlarson6530 6 месяцев назад

Whoo Hoo, I'm Excellent!!! 30 years ago I had NO credit, hard work and paying my bills worked for me. No debt and paid off mortgage allowed me to retire at 60, 2 years ago. I am a high school dropout that became a millionaire as a blue collar worker 😊