In 11 minutes, I’ll go over the top 8 steps you need to know to raise your credit score, guaranteed!
Be sure to watch all the way through as I’ll be going over what affects your score, things you can do to keep your score from being negatively impacted, as well as tips and tricks when it comes to getting to that coveted 800 and above!
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Credit scores and credit cards are a topic that I believe need to be talked about more because they don’t teach you about it in school. I wish I learned about what affects your credit as well as how to raise your credit score, which is why I made this video so that you guys can learn everything you need to know in less than 15 minutes.
If you want to learn more about credit and money, feel free to check out my other videos:
4 MAJOR Changes Coming to Your Credit Score! (must watch):
The Shortcut to Wealth (Explained in 9 Minutes):
6 Top Credit Cards that Pay me $1,000+ Per Month Cashback:
If you found this video helpful, please leave a like and subscribe and SHARE it with a friend that you think could benefit!
Happy credit building!
-Charlie
#CREDITSCORE #FICO #HOWTO
Topics we’ll cover:
Improve credit score
Credit score hacks in 2022
How to increase your credit score effectively
Tips and tricks for credit score
Best way to increase credit score
Timeline:
0:00 – Intro
0:22 – What Is A FICO Score?
1:10 – 1. The Quickest Method
2:12 – 2. Building Credit History
3:01 – 3. Paying Off Your Balance
4:12 – 4. Lines Of Credit
4:59 – Diversifying
5:35 – 5. Applying For New Credit
6:52 – 6. Credit Utilization
8:31 – 7. Credit Report Errors
9:54 – 8. Credit Limit Increase
10:51 – Conclusion
Disclaimer: Some of the links above may be affiliate links, which means that if you click on them I may receive a small commission. The commission is paid by the retailers, at no cost to you, and this helps to support our channel and keep our videos free. Thank you!
In addition, I am not a financial advisor. Charlie Chang does not provide tax, legal or accounting advice. The ideas presented in this video are for entertainment purposes only. Please do your own due diligence before making any financial decisions.
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Hope you find this video helpful 🙂
Cash is king 👑👑👑👑 nothing better than that , forget credit
Good job!
I need 9 more points to get 800
Nice taxi driver reference there lol
Thank you for your advice
I work in the credit card industry taking credit card applications and you would not increase your credit score being added as an authorized user. Only as a joint user would you be able to increase your credit score by piggybacking off of somebody else's credit card.
Why do people keep telling me to take out a mortgage or car loan to improve my credit score? My credit score sucks, and the last thing I want to do is take out a mortgage with an abnormal rate
If i add them to my account does it hurt my credit score? How could they use the card incorrectly?
This is actually bullshit atleast the in 30 days part.
How long after getting a new credit card should i apply for a new one? Not to blow them up. But to build a stack and keep it under %10 utilization.
I paid off all of my credit cards and my credit went down 51 points I have been keeping my credit usage around 3% and my credit went down another 40 points almost 100 points in 2 months my credit went down. I called transunion they said my credit limit was high and usage was too low
thanks for the tips im hittin that 8000000000000000 lets gooo
I've tried secured credit cards and got no help. It's very frustrating. I'm been through alot and want to start moving forward.
This is all bull, i did it my credit score is now 600 and it was 680, and i have 4 cards at 10% pay off ever month ,bills auto pay , and it did the opposite, it is all lies
Why the credit score is important?🤔
So if we are associated with the other person. How does their bad credit not bring ours down?
So if we use 10%, then pay it off before using a credit card again, we reset our utilization instantly and we can go back up to 10% again rather than it being viewed as 20%?
Lets say i get a $1k secured credit card and i only spend $100(10%) too boost credit. I know you said to pay off the 100 if i wanted tobuse it again to not exceed the threshold. So my question is, if i do this alot of times in the billing cycle will it make a greater difference or same? For example, lets say i buy something for 100$ today, i pay off my balance 2 days from now, then use soend again 100 then pay off in coupke of days and continue to do this about 10 times that same billing cycle and never exceeding the threshold of 10%. Will it help my credit increase faster this way VS hust doing it a couple of times Or really wont matter?
Hi, do you have any information on when you should close ceeadit accounts?
Clearly Solvency Backdoor has plenty of bots advertising their product. Lmao