What is a Credit Score? Kal Penn Explains | Mashable 

If school won't teach me anything I need then I always got the internet

pov: you're watching this for finance class

I’m a simple man. I see kal penn, I listen.

I’m so glad they used Kal penn for this I’ll listen to him on anything 😂

School never taught me this....thank you

To put into a reference I think younger people might understand is that It’s like a level in a video game that is displayed a lot The higher the level the more expensive weapon you can get you know

My credit score has consistently gone down ever since I took out a Merrick Bank credit card. That's even after I have NEVER missed a payment, ALWAYS pay off my entire balance each month (99% of the time), ALWAYS pay all my bills on time. It seems to me that credit scores are more a reflection of these agency's money paranoia than the consumer's payment history! I also get the feeling that these agency's actually enjoy attacking one's credit score...just say'n'...

A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of an individual.

Wow, finally Mashable has some useful content.

just looked up this Kevin Barnett just for curiosity and it says he died last year now I'm looking at this very upset

Woah that’s Seth from Designated Survivor 😳🤭

You know what women really love in a man? Good credit

Kal Penn Rocks...

If you pay your statement balance on time but not in full, you will incur interest charges on the unpaid portion.

Thank you so much. I’m looking to build a high credit score and I appreciate your sharing this needed info.

Why does everyone still fall for the whole “credit score” scam? Mind boggling.

It's dope I wanted to learn a bit more about credit. But also got Kumar!

Thanks, Dr. Kutner.

I'm a 12 year old trying to learn about credit cuz as soon as I turn 14 ima start working, then I'll buy myself a credit card with my moms permission, and from then on I'll be working on my credit score

Yo I didnt expect my boy kumar to show up and for my finance class but here he is.

Only one who repair it does me legit is worldhackall on IG📶💯

I still don't see the point of a credit card, like why is a high credit score good? It only means that you can borrow money more easily? What the point of that?

He is reliable and trusted .

I came here to learn how to invest after listening to a guy on radio talk about the importance of investing and how he made $960,000 in 4 months from $160k, somehow this video has helped shed light on some things, but I'm still confused, I'm a newbie and I'm open to ideas.

never thought id be taught by the great kumar

Kal Penn always sounds like he has a stuffy nose

So credit is going on debt so then in the future you can go on a bigger debt ? I'll rather have no credit score in that case

So what would happen if I strategically took out loans from the bank for pretty much everything I needed but then again, already had the exact amount of money set aside to pay them back the exact amount I borrowed the very next day for all my payments? So like if I wanted to buy a new car, I could take a loan out while still having the money I already earned from working to pay for it? Or even like, with my bills, I could do the same thing, maybe?

Ridiculouse that having debt and paying it s something that is favourable for creditscores. Broken system

Lmao kumar in my business class this is so funny

813 here. About to pop up even more after my car loan shows paid off.

They should've had him say actually I think white castle sounds good about now

Cant believe I’m learning finances from Kevin Venkataraghavan

Kal Penn. ur fuckin awsome our family loves u!!!!!

I recognize the narrator from Designated Survivor

that guys from designated survivor on netflix

How is this guy almost at a mil subs??????

Be happy don't worry

KUMAR!! :D

Isn’t Kal Penn an actor that stars in House Md??

Yes on paper credit score system sounds ,good... except we ignoring the fact that it forces people to take loans on regular basis and if you don't take loans then you have no loan history of making payments in time and therefore you can't buy anything important regardless if you want to do it through loans or cash lmao...also taking any loan means that you will always have to return more cash then you borrowed it directly additionally draining your income and" getting used to" taking loans one of the most terrible things you can do to yourself...Cuzz nothing makes you more bad with money then getting used to spending cash that you don't already have ,and being bad with cash means that you will live from paycheck to paycheck literaly regardless of your income ...no wonder average American does not have 500 bucks for unexpected expenses lol... "USA is financially best place to live in the world" who came up with statements like that? Same guys who came upwith credit score? xD

I think id rather have some white castle than tacos but thats just me

Kalpen Suresh Modi..

He was on How I Met Your Mother

me when kal penn appeared: Kumarrrrrrrrrrr my friend make this make sense to me

Kumar, what are you doing talking about credit?

Dude please make a new Harold and Kumar ,NPH said there will be another one in the last movie.

You need a credit score for regular finance, and pretty soon you’ll have a credit score for DeFi

Is this Kevin from himym?????

I met kal penn what a good dude man likes nascar

Hey! There is Kumar explaining credit score and I thought Harold was the finance wizard

A credit score is a way for private entities to control your financial future without any ability for you to fight it.

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Nice video! I make videos about the same topic only for the romanian community!👍😁

Kumar made hes own youtube channel 😂😂😂

I don’t really like debts!

my score is a solid 5

What's your credit card balance? If you choose to answer that question - and you probably shouldn't, because it's none of our business - you should answer it with a question of your own.

So the uk is £2.3billion in debt and they want to give ME a credit score?

I didn't know cutter knew a lot of economics

Wait a minute is that kumar from haruld and kumar??😅😅

The credit card scoring method that they are using needs to be revamped. One of the BSs that needs to be corrected is when you obtain a car loan, then pay it off on time after 4 years - one account is closed, which lowers your credit score. Even if it's a low-impact, why the score decreases? You're supposed to be rewarded for paying off your loan, not punished! This is a #1 BS!

👍 📹!!!!!!!

kumar,where is harold?

I just want the answers

The Fico system of scoring in my opinion is garbage. Ask five lenders what your score is and you will get 5 different answers. The difference between the high and low score will be large as well. Serious credit reform is needed.

Why is my credit score 852 if it only goes to 850?

Teacher showed me this today. I started busting my ass laughing cause I realized it was Kumar.

He is from himym !!!!!

Isn't this Robin Scherbatski's therapist?

Doesn’t exist in Switzerland. They check your income that is it

KUMAR?

ahmad from 24

Damn u now I want Taco's

This is the western countries' social credit system.

Woahhh ur ur u do this?!?

sup kumar

Why don't they call it debit score?

K

👍🏽

POV your here for business 👩‍💼 class

I thought you are dead from House MD :)

Look Kumar eat your White Castle and shut your face. 😜😜😜😜😜. Jk great video. 👍🏽👍🏽👍🏽👍🏽👍🏽

who knew Kumar from Harold & Kumar also does finance.

Roldy

TACO TUUUUUUUESDAY

wait i thought you were a therapist

This guy taught me to - Check on my friends with depression - Avoid Frank Underwood. - Vote for Obama. - Manage my credit. Time to start calling him Daddy me thinks...

God damn. I swear Michael Milly can't take a break in these comments. He on ex-excema.

are you ever happened to date with robin?

This guy looks and sounds just like the guy from Harold and Kumar.

Man, I thought there's a prize if you have higher score..

I have a fico 💳 score of 850

Kumar

*Masonblackers on IG* got you on this, go check him out.

Credit scores, debt, monetary system, it’s all financial tyranny. Just the knowing that you are poor effects your health and longevity. The stress slowly kills you. It’s time for humanity to evolve past capitalism because not everyone is going to keep up with the insurmountable bills.

Kumar?

Dragonfly.

Soooo you could call it an American Score

Harold and kumar