Ай бұрын
2 ай бұрын
10 ай бұрын
10 ай бұрын
10 ай бұрын
11 ай бұрын
11 ай бұрын
Жыл бұрын
2 жыл бұрын
3 жыл бұрын
3 жыл бұрын
3 жыл бұрын
3 жыл бұрын
3 жыл бұрын
3 жыл бұрын
3 жыл бұрын
3 жыл бұрын
Пікірлер
@kellydray367 2 ай бұрын
I am trying to build back up 35 points on my transunion and they do not help when you call them. I never in my life ever dealt with pure stupid employees like transunion has. Heck they don't offer to help you when you call and tell you they can't do nothing for you so why the heck even have this lop scammed credit union when allit has is illiterate people running it.
@enriquecastillo3516 2 ай бұрын
I have a Card that I’ve had for 10 years (my oldest card) but missed a payment 2 years ago and it impacted my credit. Will adding my brother as an authorized user for this card be smart in this senecio? Will it show up as a missed payment for his history as well?
@andrewsearcy8078 3 ай бұрын
my wife still dont believe it!
@WepWip 3 ай бұрын
If they remove me later within x amount of time, will that get my credit down again?
@MyCreditGuyCreditRestoration 3 ай бұрын
@@WepWip if the credit line is removed, the positive impact it is having will also be removed, which would cause your scores to go down. The loss can be mitigated if you have several other positive accounts working for you as well.
@WepWip 3 ай бұрын
@@MyCreditGuyCreditRestoration thank you
@pratik172 6 ай бұрын
Quick question, if I ask my brother to add me as joint account holder and he has card for 10 years. Will my account history will be also 10 years old?
@MyCreditGuyCreditRestoration 6 ай бұрын
If you are added as an authorized user you will get all 10 years. We suggest this instead of a joint user. You get the benefits without the liability.
@m00ki_i 7 ай бұрын
how do you even improve your credit score if they aren't the same ? my credit has always been good but on Experian my score is down -62 points compared to my 709 through Transunion ?? like how do i even improve that
@malu7648 7 ай бұрын
Can I add my adult son to a retail card so he can build up credit?
@MyCreditGuyCreditRestoration 3 ай бұрын
@@malu7648 yes, you can! You would just need to call into the credit card company and give them his personal information.
@Taybinlit 8 ай бұрын
My utilization is 0% & I’m in the process of adding an authorized user will it increase my credit score still ?
@Billybritt-s4t 3 ай бұрын
No but it won't hurt you in anyway do it don't be like the rest of the selfish ass world
@larryk4311 10 ай бұрын
Well it looks like I'm late coming to the party, but I'm glad I read through some of the other comments before I posted my question. Like some of the others, it's been bugging me lately why my Experian score is a full 50 points below the other 2 agencies. Now I understand and appreciate everything you said about how scores can differ by 100 points, but I still feel such a vast discrepancy should be investigated. 10 or 20 points I can understand, but something just isn't right here. Just one persons opinion. You did clear up a lot though, and it is much appreciated.
@MyCreditGuyCreditRestoration 10 ай бұрын
I would be very happy to personally review your credit report, and find out where the discrepancy is, at no cost! Please email me at [email protected].
@dr3495 10 ай бұрын
I was late but not 30 days late im worried
@MyCreditGuyCreditRestoration 10 ай бұрын
They can’t report you late unless you’re a full 30 days! Keep an eye on your report at creditsitter.com or another site, though!
@ShawnJames310 10 ай бұрын
Say does somebody know? If being added as an authorized user to an account to someone who has a higher credit limit but lower credit score than you affect your credit score?
@MyCreditGuyCreditRestoration 10 ай бұрын
The other person’s credit will not impact yours, only the account added, will have an impact on your credit. So, if the account is good, your credit will definitely improve.
@steftrujillo4168 10 ай бұрын
Great info. Finally got what I was looking for
@Ariel.Fortele Жыл бұрын
Can I add my friend ?
@MyCreditGuyCreditRestoration 10 ай бұрын
You can technically add anyone as long as you have their permission and their personal info.
@MyCreditGuyCreditRestoration 10 ай бұрын
Yes!
@Albert-777 Жыл бұрын
Once you add an authorized user and then you take it off like a year later,does that person you authorized gets to keep your credit history or will it automatically delete??
@MyCreditGuyCreditRestoration 10 ай бұрын
If you have your credit card company, remove them as an authorized user, they will no longer get credit for your payment History going forward.
@civilwar-xy1cr Жыл бұрын
The whole credit reporting industry is a scam. I had a loan for a car and had payment go directly from my checking account so was never late and paid it off and my credit dropped from 750 to 640 and I went on credit karma to see why and it said it was because of a reduction in debt and to apply for some credit cards to fix it. I'm reaponsible and dont do credit cards so the way to get good credit is fo be irrisponsible and run up some credit card bills. What a phony system..This whole country is getting more and more phony and stupid by the minute.
@JordaanSieben Жыл бұрын
👍
@Tattertotman Жыл бұрын
I want to state that I recently asked my brother to add me as a Authorized User and it boosted my score in 2 weeks! By far I couldn't believe how fast it impacted my score. My question is will it also impact my "FICO5" score?
@jenjen5184 Жыл бұрын
So myFICO mortgage scores are not right either?
@sinned96 Жыл бұрын
They're right it just depends which one they pull there's way over 30 different FICO scores
@mattdias8051 Жыл бұрын
I have a credit score of zero, always paid cash for everything my entire life. I just got added 10 days ago to my mom's credit card as an authorized user, two of her scores are 805 and 794. Do I receive her credit history and scores exactly? I'm confused.
@natethompson8740 Жыл бұрын
No you definitely don't receive her exact credit scores but you should receive her credit history and it will help alot!
@natethompson8740 Жыл бұрын
I went from 606 to 763 from being added as an authorized user!
@more2me100 Жыл бұрын
@@natethompson8740how long did it take?
@pdavis4436 10 ай бұрын
Dang what type of acct did you get added to
@MyCreditGuyCreditRestoration 10 ай бұрын
It will add that account to your credit profile, but it does not clone her entire credit profile and score to yours. It will simply help as a piece of the entire pie for you.
@Mroswaldo16 Жыл бұрын
So i need to find a CC, to report to the lowest one 😂
@shirleymartin6919 Жыл бұрын
Will it help to be added to more than one one
@MyCreditGuyCreditRestoration 10 ай бұрын
Yes it will! As long as the accounts are in good standing.
@cookingsection568 Жыл бұрын
will it improve mortage fico score?
@MyCreditGuyCreditRestoration 10 ай бұрын
Absolutely! AU accounts do impact the mortgage FICO models.
@HoustonMortgageLender Жыл бұрын
Good Stuff!! Thanks For Sharing!! New Subscriber Here :)
@ainoge9040 Жыл бұрын
Equifax 576 transunion 676 wtf??
@savageone8931 Жыл бұрын
Can I add my brother ?
@mattdias8051 Жыл бұрын
Yes
@kylinjohnson8021 11 ай бұрын
@@mattdias8051how do you add someone ? I’m not seeing the option on my Experian account
@tmy727 Жыл бұрын
I was able to add my daughter online.. read through the disclaimer how it'll he reported to the 3 major credit bureaus, could show up on their credit history, and that I'm still responsible for making pymts... fine and great. But.. nowhere did it ask for their ss#, just name, address, and relationship. So how would my credit card history show up on her history?
@samjim89 Жыл бұрын
My exact answer! But in the mean time teacher her credit card payments and interest.
@noahzero9380 Жыл бұрын
If she banks with them, they already have her information
@MyCreditGuyCreditRestoration 10 ай бұрын
You do have to call them out on that! Many times they will add the person as a joint user, but not a full authorized user on the account which means it does not report payment history. You have to insist that they take the Social Security number and the date of birth, and that it report on Credit.
@DavidKrushinsky Жыл бұрын
Great information Sam. Question - what number should be showing on a paid collection on the MOP rating system?
@MyCreditGuyCreditRestoration Жыл бұрын
A paid collection will still report as a 9 rating. Which is why paying a collection off can be so tricky. Here is another video that goes into further detail on this subject. kzbin.info/www/bejne/fKilhn13htKUr7s
@onderyetiskin 2 жыл бұрын
so how we fix ?
@Jeff-ge3dk 2 жыл бұрын
Would like to talk one on one about credit repair
@tsmatthx2 2 жыл бұрын
I have looked at all 3 groups, and all 3 have the exact same data, there are no differences. But...experian is 90 points less in every category....
@WollisWorld 2 жыл бұрын
Check the inquiries I think every lender uses and reports every single thing to Experian in my opinion
@tyvanhworkout 2 жыл бұрын
It doesn't matter, they're all full of crap! And while they all can have different methods and models, there should be one standard range indicating good, fair, or poor. Currently, you need at least a 720 for a TransUnion score to be considered good while good with Experian and Equifax is in the upper 600s. You can get a mortgage with a 620 but it's not considered good with TransUnion until it hits 100 more points? That's ridiculous and unfortunately, some lenders only use TransUnion for example. This keeps the range artificially high so they can charge higher interest to a greater number of people.
@susandelello7401 2 жыл бұрын
I wish you could tell me the parameters of the three credit bureaus. I’ve looked online and it says all three are 300-850, but I could swear I saw that the top score of on of them was 900.
@gdaddy2198 2 жыл бұрын
can you keep a perfectly-paid and -0- balance credit card all the way through a bankruptcy ?
@MyCreditGuyCreditRestoration 2 жыл бұрын
Typically, the bankruptcy court will want you to include all debts. Even if you don’t include the card because it is a zero dollar balance, the card company will most likely proactively close it on you once they find out that you have filed. If this happens, once the bankruptcy is discharged, you will want to start with Credit rebuilding cards. If you need help finding any, please let us know as we have several options that I’ve worked well for our clients in the past.
@goode60 2 жыл бұрын
What if the company had a data brech
@MyCreditGuyCreditRestoration 2 жыл бұрын
Just keep an eye on your credit report for new inquiries. Just because a company had a data breach does not necessarily mean that someone actually has your information and is actively using it. You can always put a lock on your credit report as well. Let me know if you would like me to send you instructions on how to do that.
@anlu3365 2 жыл бұрын
What is the point of the regular credit score then?? The financial world is just a bs.
@anacollins9444 2 жыл бұрын
My wife and I just signed up for this program a few days ago. I’m praying this helps us so we can finally purchase our dream home 🙏 It’s pricey but if it helps us buy our dream home it will all be worth it at the end😊 Willing to update this post after we’re in the program a few months for anybody that’s interested.
@leri3365 2 жыл бұрын
How'd it turn out?
@marvincolon 2 жыл бұрын
Awesome
@Serena-777 2 жыл бұрын
Is there a faster way for there credit to go up ? beside adding them as authorize user
@MyCreditGuyCreditRestoration 2 жыл бұрын
We highly recommend the credit builder card. It’s a small $200 secured card that will report to all three credit bureaus, typically within three weeks. It’s easy to manage and you can always request a credit line increase. www.creditbuildercard.com/mycreditguy.html
@karinayleo 10 ай бұрын
@@MyCreditGuyCreditRestorationI’m thank you I m gonna talk to my partner now 😂
@patricialane7090 2 жыл бұрын
The name above help me and saved me from my student loans and all negatives on my credit profile. I highly recommend im currently with an 800 score across all bureaus
@kreteman7779 2 жыл бұрын
Transunion has me at 751 Experion has me at 630? Come on now.
@MyCreditGuyCreditRestoration 2 жыл бұрын
It’s possible that there is an account showing up on one bureau that is not on the other. We would be happy to take a look for you at no cost! [email protected]
@RichardD582 2 ай бұрын
Trans Union has me on 744, Experion me at 598 ?
@Kubwayo10 3 жыл бұрын
This why the system should change. Use one system for all busines and lenders.
@TheKazi1234 3 жыл бұрын
Please guys don’t waste your time and money. He’s fake
@azizasmith6353 3 жыл бұрын
Thank you!!!!
@johnc1280 3 жыл бұрын
I just checked equifax I just heard from a cpa bc of covid we aren’t being affected by checking. How accurate are my readings ? It was really good. Above 800
@elenasmith3970 3 жыл бұрын
I can't rave about the SolutionX team enough. I did my best to rehabilitate my credit on my own for about 6 months and while I made progress I just could not get over that hump to mortgage ready. I found out about [ AnonymoussolutionX🟡ORG ] through my extensive research on fixing my credit and I have to say it was the best contact I've ever made. They are straight-forward and to the point. They will give you all of the tips you need, you just need to follow the directions. Royson was super attentive. I would send an email and he would respond immediately, just to ensure my questions were answered promptly and accurately. I started working with AnonymoussolutionX🟡ORG in JUNE and 2 weeks to the day, I received my Pre-Approval and I can proudly say that I just closed on my house a few days ago! I never thought it was going to happen but by teaming up with SolutionX my day dreams turned into reality. If you want to make it happen then invest your time, energy and trust and let Roy Brandon guide you. They are worth it!
@GoosbyGoosby 3 жыл бұрын
Thank u
@PrettyLady7282 3 жыл бұрын
We all know they're the credit bureaus. BUT, who are Equifax, TransUnion, and Experian? Who are they belong to? Who are they work for? Why these companies have these responsibilities? Who owns them?
@jonathanclarkin8844 3 жыл бұрын
I think credit scores are an absolute joke and should be abolished.
@MyCreditGuyCreditRestoration 3 жыл бұрын
As long as they’re here, we’re be there to help! Keep in mind that without Credit you’d have to buy everything with cash which would prevent a lot of people from being home owners.
@jonathanclarkin8844 3 жыл бұрын
@@MyCreditGuyCreditRestoration did you mean with out credit? But these socres are rediculous. My Experian is 995 yet my TransUnion us non existent??!! Not to throw excuses but no one is taught this growing up. This year was the year to change things and today it's thrown in my face with trans fkn union. We were getting a car and a new business loan. And that's not happening.
@MyCreditGuyCreditRestoration 3 жыл бұрын
@@jonathanclarkin8844 Yes, thanks for catching that, corrected :-) you are absolutely correct that credit is Much more confusing and secretive then it should be! We try to shed some light on it but it’s a subject that should get much more attention in school with as important as it ends up being in our adult lives.
@DarkSpace1105 3 жыл бұрын
Hello my name is Larry I have a credit score of 670 I just need to get a Verizon paid collection of my credit and 2 Capitol One late payments off. That's it I will gladly pay a repair company because Verizon is impossible to reach and so is capitol one. Any advice.
@MyCreditGuyCreditRestoration 3 жыл бұрын
We’d love to help! Can you please email Us and we’ll jump on a call? [email protected]
@DarkSpace1105 3 жыл бұрын
@@MyCreditGuyCreditRestoration I just sent you an email sir!
@Ngocnito 3 жыл бұрын
I just wish they had more people on board. It took a couple of weeks to have someone do a 3 way call to settle a debt. He was book weeks ahead and don’t think its very fair for the clients who have to pay the first month with literally no changes
@MyCreditGuyCreditRestoration 3 жыл бұрын
Hi Erika! Thank you for your feedback. Now that we are helping more clients with their credit than ever before, it's important to us that we do everything in our power to provide them with the attention they deserve. We totally agree with you that having more credit experts on our team would be a big help, which is why hiring quality team members is and has been one of our top priorities in 2020 / 2021. Thanks again for your comment, Erika! =)