🔑 5 Credit Score Hacks to Boost Your FICO 100 Points

[@josephhogue]

Getting Started Investing? 📺 Must Watch 8 Simple Steps to Start Investing in 2021! 🤑 kzbin.info/www/bejne/pYPbq5JmqJ1qa6s

[@user-fw2nt6kj2p]

I cannot locate this information on your blog, the list or the infographic you mentioned...

[@mikeceballos7023]

Great video as always! I completely agree the current credit system is flawed, but at what cost is this going to be to fix it. For one, like others have posted what government system has ever been smooth and without flaw. This sounds more like less privacy of individual finance. Bank account info and payment history being directly shared to the government. They already know what is reported on end of year taxes. This would allow knowledge of how that money is spent as well. For most people that may not matter but it’s still something to think about. At the end of the day, it’s what it’s. Freedom is far from being free in today’s time. This might make it easier for younger people to get credit they deserve. At the same time giving more credit then someone is accustom to can create problems that could be avoided as well. Because I was in the same situation where my score denied me from great position but I have no worries when I met Hackergold02 on I-g..

[@remokim5066]

My dad has two credit cards and both of them are between 600-620, so I have decided to help him. I currently started learning how credit works and now I understand that it’s very important to have a good credit score in the US. I’m now trying to get a higher limit (currently 500) and teach my dad how we need to get it up.

[@missminnos]

So sad to see how uneducated the general public is about credit and life... this should be taught in schools while they still have a chance to have a clean start, and never make the mistakes before they even know how it all works and then try to fix it all.

[@josephhogue]

Looks like calls for personal finance classes in school are getting louder. Only a matter of time before it's in the system.

[@missminnos]

@@josephhogue I wonder how much louder the creditors will have to get to keep their high interest rate customers to keep their money flowing..

[@TessaAndrews]

This is exactly what happened to me. Now I’m trying to rebuild.

[@fortyfour6626]

@@missminnos Agreed. Fundamentally, the very fact that we need to use words like "trick" when dealing with paths to better credit make a huge statement as to whats really going on with lenders. Its all a scam to keep people DOWN where they are worth more to ALL involved in this sport.

[@missminnos]

@@fortyfour6626 yup.. and that is why ( in my opinion) the formulas for multiple different models of score calculation is hidden from general public. I may be wrong, but just makes sense.

[@Jack-russell103]

my fico score is 824 key is stay under 20% of available credit and pay it off each month slowly but surely you will get there...if i can do it anyone can!

[@josephhogue]

Great credit score! Right on with the debt-ratio, will help improve your FICO and just a good idea to save on interest.

[@Jack-russell103]

@@josephhogue its an excellent credit score :)

[@ausdlantein]

As long as you dont have any negative remark

[@ave383]

Wish that was true. I paid my credit card of completely and they took 44 points from me and no one can explain why.

[@barnyard4068]

Thanks!!!

[@user_abcxyzz]

800+ hack: Utilization is a huge factor. No matter what your limit, keep it under 20% utilization at all times. Pay it in full by the due date. If you have more than one cc, make sure most of them are at zero balance and rotate using each, ensuring that only one or two have balances each month. Don't rack up those inquiries. You don't need more than two or three credit cards in order to have flexibility and use the above hacks to get and keep your 800+ credit score. By the way the above won't work if you don't have a grip on your spending so be sure to have a budget in place prior. Live simple.

[@josephhogue]

Great credit hacks dj. Should definitely try to pay off credit cards every month but if not possible then under 20% utilization is key.

[@elaguiladorada2014]

brooklyn if i starting out with 300 cc would it hurt if I use the 300 usd and pay off completely as soon as i use it?

[@LG-pj4qh]

@@elaguiladorada2014 I have a 840 fico score so I know what I'm talking about. Use only 20 percent of the 300 which will be 60.00. Pay in full each month.

[@robertmichael3504]

Lisa Patera thanks to Mr Vlahd for helping me increases my credit score as well

[@michaelharris5281]

@@elaguiladorada2014 the hard thing about this is that the credit bureaus see your highest balance, now that may not be held against you, but it is sent to the credit bureaus. the leskovar risk that you can be where look like to the credit bureaus I would say the better. and for the credit card companies you can still get the same desired result by keeping a 30% utilization at all times yes you are making more payments overallbut you are getting that same result of I'm using it I'm paying it off I'm using it and paying it off

[@hinachow1]

If they agree to remove the remark after you pay it, have them send you this promise in writing before you send a dime. If they tell you they can not. DO NOT PAY.

[@Marauder1]

there certain verbal things you need to say when contesting credit like (this contract is no longer valid ) (contract does not exist ) that get them to start taking things off.

[@wintsonburon4736]

Am part of the lucky team, thanks to all friends who recommended Zenithcyber1 at telegram to me, it’s real

[@dcaprifingerontelegram9596]

thank God the surgery was successful,all thanks to Usacyberworld at telegram.. you are the best

[@user-ku3nt2qj7n]

Athlenticcyber telegram is the best for credit score 💯

[@mikeceballos7023]

Great video as always! I completely agree the current credit system is flawed, but at what cost is this going to be to fix it. For one, like others have posted what government system has ever been smooth and without flaw. This sounds more like less privacy of individual finance. Bank account info and payment history being directly shared to the government. They already know what is reported on end of year taxes. This would allow knowledge of how that money is spent as well. For most people that may not matter but it’s still something to think about. At the end of the day, it’s what it’s. Freedom is far from being free in today’s time. This might make it easier for younger people to get credit they deserve. At the same time giving more credit then someone is accustom to can create problems that could be avoided as well. Because I was in the same situation where my score denied me from great position but I have no worries when I met Hackergold02 on I-g..

[@fwacfred]

I managed to increase my score 166 points in 10 months by factual disputing, goodwill letters, and pay to delete letters/settlements, and increasing my credit limits and reducing my utilization. I’ve also added utilities, rent, and telecom payments to my credit report.

[@harrisonwintergreen1147]

My brother has an 800 credit score... and he's broke. Good credit rating is not always a sign of financial success

[@josephhogue]

Certainly Harrison. Not saying a good credit score will mean you'll be financially successful. What it will do is open the door to financial access to get the money you need and rates you can afford.

[@robertwilliams9708]

Magaret Anthony is this legit?

[@DevinRhode2]

Here's a more complete formula: (Steadily increasing income X Steadily increasing credit score) + Patience + Discipline = Steadily increasing financial freedom.

[@abbar1122]

What does that have to do with this?

[@user_abcxyzz]

I doubt he's "broke" he's simply paying principle and interests payments up the ass that's why he may claim to be broke. He probably has a ton of outstanding credit card balance, and a hefty car payment. His lifestyle is likely financed in other words. If that's the case he should stick to a budget and eliminate unnecessary expenses. His score will continue to be great but he will also have more cash flow at the end of the month to build up a healthy nest egg.

[@viksingh4584]

I had an installment loan of $6000 from bank.. I just paid it off fully last week and my score DECREASED from 630 to 586.. So bloody annoying !! After research, I found out because this was my only debt. I don’t have any creditcards at all. Hate debt!! Now after advice. I got my credit card for $1000 and hopefully this will help. Credit utilization it is !!

[@jenniferscarlata1603]

Nice video!! The dispute method also works but takes months or years before the credit Agency replies, I tried several times only about two was cleared. I used Credit streamers in clearing my collections and he said exactly the same thing about the collectors not having any proof and his method worked and I have been gaining points ever since. Kept working with this repair company for 2 months, gained about 220 points on my credit score with several collections cleared. I believe there are several ways to fix a bad credit.

[@Nordic4U]

Please read my posting on repairing and increasing credit and paying your mortgage off early while saving a fortune in interest....IT WORKS !

[@chriscarvalho1786]

Awesome video Joesph! I’ve used my credit score to obtain capital that I’ve been able to invest into my portfolio that achieves 60% ROI and accelerate my wealth building machine! It would not have been possible if I didn’t have a great FICO Credit score. Keep up the great videos 😁👌

[@jamesbarber1103]

At 2:50 he actually start talking about the content

[@mikeceballos7023]

Great video as always! I completely agree the current credit system is flawed, but at what cost is this going to be to fix it. For one, like others have posted what government system has ever been smooth and without flaw. This sounds more like less privacy of individual finance. Bank account info and payment history being directly shared to the government. They already know what is reported on end of year taxes. This would allow knowledge of how that money is spent as well. For most people that may not matter but it’s still something to think about. At the end of the day, it’s what it’s. Freedom is far from being free in today’s time. This might make it easier for younger people to get credit they deserve. At the same time giving more credit then someone is accustom to can create problems that could be avoided as well. Because I was in the same situation where my score denied me from great position but I have no worries when I met Hackergold02 on I-g..

[@naysaynetwork5271]

@@uncletookie9102 its youtube. Get to the point. Lots of self help people on here.

[@jesseperez1907]

I tried getting a loan to consolidate my debt. It was difficult but when I explained my math and how I intended to achieve the loan payments I was finally given the opportunity to get the loan, not to mention the excellent credit history I had with my lender. My five year loan will now be paid in three years. I have one more year to go.

[@Upracefan]

Utilization on balance carried over is the important factor, you can have a 10k limit card and max it out every month, but as long as you pay it before the statement date, it looks like no use at all.

[@mikeceballos7023]

Great video as always! I completely agree the current credit system is flawed, but at what cost is this going to be to fix it. For one, like others have posted what government system has ever been smooth and without flaw. This sounds more like less privacy of individual finance. Bank account info and payment history being directly shared to the government. They already know what is reported on end of year taxes. This would allow knowledge of how that money is spent as well. For most people that may not matter but it’s still something to think about. At the end of the day, it’s what it’s. Freedom is far from being free in today’s time. This might make it easier for younger people to get credit they deserve. At the same time giving more credit then someone is accustom to can create problems that could be avoided as well. Because I was in the same situation where my score denied me from great position but I have no worries when I met Hackergold02 on I-g..

[@alexneil9116]

little over 4 years ago i went to a dealership to get a car. the salesman secretly told me i had no credit. he said i have never seen that. so i went and got a secured credit card through wells fargo. used it and payed it off before it was due. little over a year i started to get approved for other credit cards and also wells fargo switched my secured into unsecured. two years ago i went to the dealership and at that time now my score was 690 had the car for over two years and never have i missed a payment on my cards or my car. score now is 770. now just 4 days ago i went and got a differn't car and a credit union took it at 4.99% for those who don't know about credit it takes years to get it up, well it did me anyway. this video is awesome, thank you.

[@nsmooth002]

Credit utilization is the big secret! 🤫 I was able to grow my credit over 800

[@noulexumas5124]

Please, give me the cyber Hangout ID...is he on Hangout?

[@klevdavful]

Plain and simple. And if you only make 35k a year no down payment trying to get approved for a 250k house and u got a car note and medical on your report that's a denial waiting to happen even if your score is 700

[@Nordic4U]

Please read my posting on repairing and increasing credit and paying your mortgage off early while saving a fortune in interest....IT WORKS !

[@sarageralds7038]

Over the past few months i have come to realize that credit can be both a good and bad idea, just try fixing yours and enjoy all the benefits that comes with it. I currently have a credit score of 740 now i look forward to a credit score of a high 800 soon enough.

[@josephhogue]

Absolutely agree Sara. It's not debt that's the bad thing, it's how you use it. Having a good credit score can help in a lot of situations.

[@willamsrosemary4602]

Hackers are everywhere, I've gotten ripped once, looking out for a good credit repair specialist

[@fifofififo]

Jorge...where is Berdey located? Im in Massachisetts USA .... I sent an email but no response. Seems like maybe not legit....

[@robmabin6792]

Sara I need help with my credit. How did you build your score this high?

[@astrophotos8368]

I’m 19 and my fico is 713. I started only 5 months ago.

[@pinkelefant4ever]

Keep the it up. Same with retirement plans. Start young and you can retire young.

[@denzelnathan3045]

Start you OWN business

[@morpheus6749]

Who's telling you your score is 713?

[@astrophotos8368]

@@morpheus6749 TransUnion. It's at 738 now.

[@morpheus6749]

What I meant was who is providing it to you. Very likely you're not paying TransUnion to get your score. It's more likely that you're getting it from something like CreditKarma or a free service from a credit card like Discover. That being the case, you're not getting the version of FICO that lenders use but rather the more generous version that virtually no lender or creditor uses. You do realize that are many different versions of FICO, not just one. There are also other credit scores that are not FICO at all, just in the same general range as a FICO score, which can easily be mistaken for a FICO score, and again, which aren't used by any lenders. Those scores get their data from the same three credit bureaus (i.e. TransUnion, etc.) but use very different formulas to come up with a score. A 19-year old is not likely to have a FICO score of 738. Not the real, lender version anyway.

[@ms.vel_1359]

Great info. I’ve learned from Dave Ramsey to also Not Pay Utilities on Credit Cards because the CC Companies see you as irresponsible of not knowing how to handle your finances. So he recommends you pay those by cash (debit cards, money orders, or cash). Basically you depend on a CC to pay your month to month bills which makes you look bad. That’s including cable and cell phone bills.

[@brandiphillips5775]

My score is currently 580. I have debt in collections from when I went through a a hard time. I recently got 2 credit cards and a secured loan to bring up my score. My score has gone up almost 60 points in 2 months.

[@emailadmin6811]

GINA also helped me

[@brandiphillips5775]

@@oliviajohnson7457 No thanks, I can do it myself.

[@tomc8157]

@@brandiphillips5775 Oh come on, gina@creditmasterfixxllc seems totally legit, "wink wink". I did the same as you, got a $500 limit card and was at 5 something, 8 months later I'm 6 points from 700.

[@kniteryder6274]

I have 2 credit cards and cannot get an increase on either of them

[@maxinejones4611]

@@kniteryder6274 l I did use the services of a programmer and analyst called Royson Brandon from Credit Master Fix LLC to get rid of student loan, debts, bankruptcy and hard inquiries off my credit report and my score was also boosted to 790+ within a short period of time. You can get to him via [[e-mail]] if you're in need of any credit help or advice.

[@txcavi]

This is my first time watching your video, first in want to say OOO Rahh Devil. I'm glad I've found you.

[@josephhogue]

Semper-Fi Kenny. Welcome to the community.

[@kingstonhawkes5148]

What a successful increase of credit score by athlenticcyber on telegram

[@duanetv1925]

Loan for a stick of gum....lol that was funny. Great video!

[@josephhogue]

Thanks. Nobody ever accused me of being a comedian but I try to make credit scores a little less boring.

[@user-xm2vn6kt1w]

Ultimatehackweb / telegram is real and best.

[@dcaprifingerontelegram9596]

Usacyberworld at telegram is so legit and affordable

[@davidraine5366]

After fixing my credit to a FICO score of 820. I'm yet to see much benefit for my sweats.

[@dwightstjohn6927]

Fortunately in most Commonwealth countries pulling your credit score for renting or hiring is not allowed, as you are not GRANTING CREDIT IN LAW. iN THE USA you can't take a pee pee without your credit being checked. That should be changed, especially when so many real estate THIRD PARTIES want access to your credit score. That's even illegal in the USA but businesses try to get away with it. It's actually against Credit Bureau membership rules, but does not seem to be enforced.

[@arnettabosby5100]

Dwight St John So true and I hate that inquiries are a bad thing. Makes you not want to apply for anything.

[@Nordic4U]

Please read my posting on repairing and increasing credit and paying your mortgage off early while saving a fortune in interest....IT WORKS !

[@TheCurlyFitChicOriginal]

Consolidating is only an option if the interest rate will be lower than what you are paying for the credit you want to consolidate. Otherwise you are paying the same amount if not more. I'm surprised you did not mention this in your video. This is crucial.

[@ReMz10184]

Ummmm.... credit cards run in the 14-33% range. Surely any debt consolidation loan is less than that.

[@troubledsole9104]

@@aldoogie824 The problem I see is you are still falling into the trap of using and adding credit cards when you apply for a new one. Having a non-cc debt as opposed to all cc debt is a good direction and reflects better on your credit report. It is best to get away from acquiring debt using ccs. Live by the mantra, if you need a CC to pay for something, you probably can't afford it. I am only speaking from my experience.

[@kniteryder6274]

How can you get a loan to consolidate your debt when you qualify for one becuz of bad credit. It's just hard to raise the score but easy to lower

[@kimberlysimmers7643]

@@aldoogie824 ... part of your score is length of credit.. if you transfer you are trading the long-standing accounts for a new account and that will make your credit score drop

[@kniteryder6274]

Yeah I paid off 2 cc and have 2 more to go. Anyway those 2 cc with the 300.00 balances they dropped me becuz of being late which is fine with becuz I was gonna drop them anyway. So now all I have to do is pay them off and it's all good. It may not look good on paper but at the same time those low limit cc are bad for your credit anyway

[@basketballgod2791]

consolidated my student loans and score shot up 40 points

[@instagramverification9958]

No more worries about your low credit score. Contact johncorey102 on Instagram he increase my credit score and clear off my debt !!!

[@Lovelyyaubrey]

Basketball God when should you start paying off student loans

[@aznthanh23]

Glad to have found your channel Joe, I was just thinking about consolidating my debt and stumbled across your channel. Just applied with USAA for a personal loan to consolidate some of my credit cards to for a better rate. Keep up the great work!

[@sazzamittendorf1651]

What is the company close your account because you are not using the card. Because they are 100 miles away in an other town.

[@josephhogue]

I'd just let them close the account. Won't be an issue on your credit after six months though it might drop your score at first. Not worth the hassle to use the card if it's that far away.

[@lonestarsapper7d]

I took $500 and put it in a cd. Then used that cd as collateral for $500 loan. Then took the $500 loan proceeds and put it in a checking account where the bank automatically withdrew the monthly payment for me until the loan was paid off. I did this twice to boost my score but you can do it as many times as needed.

[@RachaelLyn]

I'm a Dave Ramsey fan, who says having a credit score doesn't matter. This might be true if you don't have a score at all, but having a bad score is way worse. As long as I have loans out, I'll have a credit score, and it'll be a while before I finish paying everything off...in the meantime I'd like to up my score as much as possible - without actually going further into debt. Thanks for sharing!

[@josephhogue]

Thanks Rachael. Yeah, I like most of Dave's advice but some of it is way off (especially the investing advice). Avoiding debt completely just isn't realistic for a lot of people and can hurt them if they never build up a credit score for when they need it. Thanks for watching, hope it helps increase your credit score.

[@ErikPT]

Joseph it’s time to update lad, FICO and Vantage score are going to change again. I use Self Credit and it’s slowly building up my score from 640-680 and I paid two collections

[@10MinutestoRouletteFortune]

I think politicians should have their credit record pulled too and it must be over 800

[@josephhogue]

I don't think there would be many politicians left.

[@catherinerodriguez3315]

Lol

[@LifeX2Find]

Oregon's Lonewolf … haha They couldn't even pass a 'drug test', much less, have an 800 credit score!! That's probably why they're always snockered!!

[@wintsonburon4736]

Am part of the lucky team, thanks to all friends who recommended Zenithcyber1 at telegram to me, it’s real

[@dcaprifingerontelegram9596]

Usacyberworld at telegram is so legit and affordable

[@bobbyb3535]

My Fico Scores: Equifax: 850 TransUnion: 799 Experian: 831. Utilization: 1-2% On the side note: Transunion declined my written request to remove a few hard inquiries.

[@josephhogue]

Did they provide any reason for why your request was denied?

[@bobbyb3535]

@@josephhogue Thanks for your response! TransUnion sent me a "generic-looking" response, stating that "all inquiries remain on the credit report for two years. Also that the identity of each company by trade name and contact information is provided.My written authorization may not be required to constitute permissible purpose, so if I believe that an inquiry was made without permissible purpose, I need to contact the creditor directly." Something with this letter doesn't add up to me. A lot of people were successful removing multiple hard inquiries from their credit report. This letter is a "brush-off" type of letter. Unless I'm wrong.

[@josephhogue]

Definitely sounds like a template letter. It might be the one they send out first to see if you send another and then they get serious. By law, they have to investigate any disputes on your report.

[@bobbyb3535]

@@josephhogue After thinking about this... I'm ashamed to admit that I realized what a dumb mistake I made. I need to send the hard inquiry removal request to the Creditor FIRST...not the Credit Bureau (in this case TransUnion). I sincerely apologize. P.S.: I wish I could be wrong.

[@StefanieOConnell]

My biggest barrier to high credit was always length of credit history. Thankfully, I'm now 10 years out of college and have built up my history, so my score finally broke through to the 800s. I've always been sure to keep that oldest card in good standing.

[@josephhogue]

Totally Stefanie. I've always thought the credit scores were a little unfair to younger people, like FICO should have something that calculates credit scores differently by age. You can be great managing your credit and debt but get no love on credit scores if you don't have that length of credit history.

[@bigearl8687]

Let's Talk Money! with Joseph Hogue, CFA why is it that I can't see my experian credit score? Or is it one at all...

[@josephhogue]

Seeing the credit score from a specific bureau isn't quite as important as seeing the credit report from each. Your score at each of the three bureaus will be about the same, especially if the stuff on each report matches up. Experian is notorious for making it impossible to see your score. Most credit cards that offer a free look at your FICO use TransUnion. I would focus on finding your score from one of the others and getting your credit reports from each.

[@bigearl8687]

Let's Talk Money! with Joseph Hogue, CFA thanks .....I know my scores from trans union & Equifax, but Equifax has 2 closed accounts on it both over 5 years, it only allowed me to dispute 1 of them,& the other 1 it said that my information didn't match there's, I'm hoping that they see it's closed & I paid it off back in 2012 .that is what Equifax is showing. trans union has nothing on my report negative..so I'm thinking that's why my score is 685 with them & 585 on Equifax....

[@bigearl8687]

Let's Talk Money! with Joseph Hogue, CFA my credit report is good,my score is 685 with trans union & Equifax is 645 ..I have a problem with something..on my trans union report every thing is good, Equifax is showing a car I had bk in 2010 I had repo,but I got it bk & paid the car off..it says the account is closed and paid..it want let me dispute it to take it off my report, it says my information didn't match there's..my question to you is how do get that off my report? again it's not on trans union, but is on Equifax..

[@Nordic4U]

Here's how to pay off your mortgage 10 years early and save a fortune in interest ! Split your monthly mortgage payments into weekly or bi-weekly payments. If you pay your mortgage only once per month it takes many more years to pay it off because you're gouged alot in interest. Paying weekly or bi-weekly reduces the principal amount MUCH FASTER...so the end result is paying off your mortgage way ahead of schedule and saving big bucks in accrued interest!

[@maxinejones4611]

l I did use the services of a programmer and analyst called Royson Brandon from Credit Master Fix LLC to get rid of student loan, debts, bankruptcy and hard inquiries off my credit report and my score was also boosted to 790+ within a short period of time. You can get to him via [[e-mail]] if you're in need of any credit help or advice.

[@thepatriotpartyofamerica]

Complaints can be filed online and not all complaints remove stuff on your credit

[@exiledbantuking]

Credit hack number 1 pay yo bills on time !

[@josephhogue]

Yeah but that's not always so easy to do.

[@exiledbantuking]

Let's Talk Money! with Joseph Hogue, CFA Rule number 2 = do not live above your means ! Don't buy rent units you cannot afford to pay for if your renter flakes out on you !

[@ericfleet9602]

It is pretty easy and if you cannot do it, no other trick is going to help.

[@alexaleman290]

If you own more than $5000.00 like I did, you need to sacrifice things that you enjoy doing for you to increase your credit score 1. Pay your bills on time, twice a month will help you a lot. 2. Stop abusing your credit card 3. Manage your paycheck properly. 4. You can depend on your credit card for important thing that you really need, but not for thing that you don't need. 5. Get a job that pat you more than 45,000.00 My credit score is 804, 770, and 769. It took me 18 months to pay all my credit cards, now I can get a loan over $25,000

[@tammyd6401]

Debt company’s are a waste of time,what they can do I can save myself the money and do that myself.dont fall for that guys!!!!!!

[@kdeloris2225]

He said i couldn't get a loan for a stick of gum I'm dying🤣🤣🤣

[@jeffschmidt4795]

How do you do it with bankruptcy on your Credit

[@williamsjonah790]

Hello Jeff, I was sitting near to some woman at my church some time ago when i heard them talking about gina@creditmasterfixllc,com helping them clear their credit debt... and when i asked them if she can help me with my bankruptcy they said yes... And then gave me her email.. believe me after contacting GINA on her email she gave me her direct number which i also texted her on... And after 6 days working with her..... She helped me remove the bankruptcy on my credit

[@maxinejones4611]

l I did use the services of a programmer and analyst called Royson Brandon from Credit Master Fix LLC to get rid of student loan, debts, bankruptcy and hard inquiries off my credit report and my score was also boosted to 790+ within a short period of time. You can get to him via [[e-mail]] if you're in need of any credit help or advice.

[@johndavis6719]

My credit score is bad because of Student loans gotta get them fixed.

[@ruskovjones1668]

Legitspysolutions@yahoocom has been my backbone for years in fixing my credit issues.

[@annabethholliegriffith7285]

Prior to 2020 I was not using credit at all I paid off last car loan in 2004...One of my sons has a 750 fico score he added me to his capital one and his target and nordstrom as his authorized user...When he did that I knew from bank management I was dealing with three different banks...6 months later I went to those banks on my own and got major credit cards master cards and visa.example nordstrom cards are TD bank, Target TD bank..Tjmaxx is Synchrony bank...A year later Im sitting at a 740...Anything I buy I pay back at end of week...Now I carry a 1 percent utilization rate on 15k worth of credit....Im getting ready to retire and was approved for a 300k house I wont buy in North moving to FL...I fixed my own credit using the best AnonymoussolutionX🟢ORG to fix it and Im currently fixing my friends and single mom at local gym...Walmart is capital one...it used to be synchrony bank who is a bank I started with through tjmaxx they are easy to get all you need is a 640 score ...I got 5k from Amazon 6 months later..

[@LightBeingsBE]

if you have a limit of 10,000 and owe 5,000 that's 50% of the balance and over the 30% which makes you a risk. You can only spend

[@josephhogue]

Love the trick for that quick financial boost to credit score. One of the few credit score hacks that works immediately.

[@asdfoio]

I think he knows that. I think he was comparing a 100% utilization person to a 50% utilization person and how a lower utilization would look to a creditor in general and not specifically whether 50% utilization is objectively good or not.

[@larrybondar1395]

I made my credit jump up 199 points up in a month from 514 to 713 then to 760 the following month. It’s pretty simple. Just find someone with a high credit card $50,000+ with less than 10% used and have them add you to the card as a user.

[@maxinejones4611]

I did use the services of a programmer and analyst called Royson Brandon from Credit Master Fix LLC to get rid of student loan, debts, bankruptcy and hard inquiries off my credit report and my score was also boosted to 790+ within a short period of time. You can get to him via [[e-mail]] if you're in need of any credit help or advice.

[@ekp-g205]

Yeah...I was ignorant to pay attention to people who told me to cut up my credit cards and only use budgeted amounts of cash. I did that and my accounts either closed for non use or I cancelled cards. That and one collection agency screw up has me with horrible scores. Starting over at old age sucks. Wish I would have spoken to someone smart who knew the tips to make credit work for me.

[@josephhogue]

This! This is what most debt free gurus don't understand. If you close your accounts or just don't use them, they drop off your credit report. That lowers the 'average age of credit' on your report and destroys your FICO score. Good luck getting a loan or anything after that.

[@morpheus6749]

Debt collectors will not only NOT remove the derogatory entry from your credit file - *even if you pay off the debt* - each time you contact them about it they reset the date of the entry, which means it's like a brand new stain on your credit that'll stick around for *7 years from that date.* And as far as your credit score is concerned, the difference between a paid off stain and an unpaid stain is tiny. Both kinds will impact your score about the same amount. But the biggest mistake you can make is to contact a debt collector to either discuss payment or beg them to remove the entry from your credit. All you do is screw yourself in the process.

[@User0player1]

cash is debt. says so right on the paper "federal reserve note". no paying with cash. one discharges with debt notes.

[@adesopeadeolustephen6838]

who is making the claim? I got me helped by this man who increase my credit score to 760 at affordable price you can reach him on *instagram* *@Hotz882 *...

[@adesopeadeolustephen6838]

who is making the claim? I got me helped by this man who increase my credit score to 760 at affordable price you can reach him on *instagram* *@Hotz882*...

[@unitedhybrid187]

I'm not defending this video in any way at all because it's crap. BUT it's actually a promissory note. You promise to do so much work, I promise to give you a value for your work.

[@chamisaredmond3585]

I really appreciate the credit knowledge you share.

[@darmou]

The main thing is to budget and be able to pay off your credit card every month.

[@troubledsole9104]

Getting your spouse to work with you on this is essential.

[@Nordic4U]

Please read my posting on increasing credit and paying your mortgage off early while saving a fortune in interest.

[@wintsonburon4736]

Am part of the lucky team, thanks to all friends who recommended Zenithcyber1 at telegram to me, it’s real

[@dcaprifingerontelegram9596]

thank God the surgery was successful,all thanks to Usacyberworld at telegram.. you are the best

[@user-xm2vn6kt1w]

What a successful increased of credit score by athlenticcyber

[@angelnicole513]

Hello. I went to the link you posted and the 21 tips are no longer there?

[@barryshwartz8594]

I just saw a very ignorant comment he probably doesn't know what am 800 FICO is worth. A FICO of 800 is equivalent to about $100,000 so you know the rest

[@dianedellarocca4006]

How do I get charge offs off my credit sooner than they will come off

[@benedictwarner218]

Hello Daina, eail gina@creditmasterfixllc,com she would help you

[@maxinejones4611]

Surely there are ways to get collections and charge offs taken off your credit sooner than you think, there are loopholes in every system. Though I did use the services of a programmer and credit analyst called Royson Brandon from Credit Master Fix LLC to get rid of bankruptcies and hard inquiries off my credit report and my score was also boosted to 790+ within few days. You can get to him via [[e-mail]] if you're in need of any credit help or advice.

[@wayneG68]

Walmart issued me a new chipped card and closed my old swipe card. This affected my score by 20 points because THEY had closed my first account and issued me a new account. walmart/synchrony bank closed that account and issued me a new one. I disputed which dropped my score more. They said it's not possible but it happened and it took me a month or two to go up but it went up less then the lost points.

[@josephhogue]

Disputing something on your credit score won't drop your score. There might have been something else that hit it at the same time.

[@wayneG68]

@@josephhogue that's what they said when I disputed my credit score drop. The only issue is that I have maybe 3 or 4 accounts and only Wal-Mart/synchrony Bank was the issue then the dispute was the other issue. I religiously monitor my score. Thanks for the great info by the way.

[@Nordic4U]

Please read my post on repairing and increasing credit and paying your mortgage off early while saving a fortune in interest....IT WORKS !

[@bonniestevenson4051]

How do I get the things removed and how do we know how long it takes to get them removed. Also they have wrong addresses on my credit file. does that make a difference. I have some things on there from 8-10 yrs ago Bonnie

[@deloriserwin5659]

I did use the services of a programmer and analyst called Royson Brandon from Credit Master Fix LLC to get rid of student loan, debts, bankruptcy and hard inquiries off my credit report and my score was also boosted to 790+ within a short period of time. You can get to him via [[e-mail]] if you're in need of any credit help or advice.

[@MicaelaKaibniRaen]

Great information. Good vid!

[@user-xm2vn6kt1w]

Ultimatehackweb / telegram is real and best.

[@jedemrich5383]

Well explained, sir

[@Cesarsnikes]

would my mortgage and car loan also fall under debt to credit utilization?

[@josephhogue]

Generally it's only revolving debt so things like credit card and HELOC

[@m.a.c.4469]

Joseph I have a dilemma. My good credit has dropped tremendously over one credit card I failed to make on time payments on. Now my card has closed but I still owe over $5,000 how can I go about this? Try to Settle ? And how much should I offer? Will that save my credit ?

[@MrHerks]

3 years ago-425! Now (2019) 600. Up up and going! There’s no “tricks” you have to put in work. I got 8 accounts removed but left 2 of the older ones with lower balances. Opened a secured credit card and kept it under 15% utilization for 6 months, bam 100 point jump! Opened 2 store cards that offer points, gained another 50 points. Now have a credit union account and another new secured card (no jump yet) keep credit inquiries low and be patient

[@renaissance1763]

What store cards did you open I need a 50 point jump. Fixing my scores as well I went from a 530 and now 5 points from 700 on one credit report and a 630 and 714 on another it's been about a year been working hard!!

[@MrHerks]

Sura Chambers Walmart and Kohl’s

[@renaissance1763]

@@MrHerks okay awesome and thank you so much for you swift reply!!

[@mindakahn9964]

Funny how I managed to do this myself. 2 points. Pay off your bills, don’t buy stuff. It’s all stuff, and when you die your kids won’t want it.

[@marilyncruz1030]

So if a employer won’t hire you because you have bad credit? So how can you pay your bills if they don’t hire you ?

[@josephhogue]

Yep, it's a tough situation. Most of those jobs are in finance and banking. Most employers will look past your credit but definitely want to work on it for opportunities.

[@AridiaMoonWolf]

In some states it's illegal for employers to check an applicant's credit.

[@therealblackcarin2141]

This is the most informative video I've ever come across on this topic. I appreciate how you genuinely try to HELP instead of concentrating more on selling a product. I am subscribing because if your tips are this helpful I could only imagine what else you have to offer!

[@josephhogue]

Always glad to help Melanin. Thank you for being a part of the community.

[@awesumproducts]

@@josephhogue I agree. Thank you.

[@mikeceballos7023]

Great video as always! I completely agree the current credit system is flawed, but at what cost is this going to be to fix it. For one, like others have posted what government system has ever been smooth and without flaw. This sounds more like less privacy of individual finance. Bank account info and payment history being directly shared to the government. They already know what is reported on end of year taxes. This would allow knowledge of how that money is spent as well. For most people that may not matter but it’s still something to think about. At the end of the day, it’s what it’s. Freedom is far from being free in today’s time. This might make it easier for younger people to get credit they deserve. At the same time giving more credit then someone is accustom to can create problems that could be avoided as well. Because I was in the same situation where my score denied me from great position but I have no worries when I met Hackergold02 on I-g..

[@vitruong1060]

1.5x faster in Speed ! You are welcome

[@dcaprifingerontelegram9596]

thank God the surgery was successful,all thanks to Usacyberworld at telegram.. you are the best

[@SatoshiHODL]

Always trust a true, honest Leatherneck... always.

[@ricos5953]

Man! People need their credit fix now! Not YEARS man! I’m just saying . I know how you can fix your credit now!

[@josephhogue]

Anyone that says they can fix your credit in less than a few months is a scam. Credit scores are based on long-term credit history and what's on your report. That doesn't change overnight.

[@flowersandcandyflowersandc9093]

How please tell me the secret......bettter yet what's your fee...

[@flowersandcandyflowersandc9093]

@@josephhogue sir how do I increase my credit score.....

[@cc7518]

I'm interested. Plz let me know.

[@tnzem2917]

@@josephhogue true its long term

[@mrmillionaireinsight]

Debt IS bad! But having buying power (good credit) is good!

[@petergates2531]

A lot of people facing different challenges with credit scores its either reduced or declined its really terrible. why sometimes people prefer total cash living.

[@markarntson5039]

Yes as my wife and I have to resort to. Just paid for 2 acres of land and using cash to slowly build a home. Now I'm playing the credit game to get the lowest score of 0. That's my goal now. That means I will have 0 debt right?! Lol

[@Johnnytrades-LTE]

I totally agree with everything your saying here! Thank you for sharing. 👏❤️

[@josephhogue]

Always glad to help Johnny. Welcome to the community.

[@drewgibson8495]

Smart Man You Are! Thanks Again 😳

[@josephhogue]

Nah, I just lived it trying to increase my credit score. Just trying to help others with it.

[@mdfarhanahamad54]

Let's Talk Money! with Joseph Hogue, CFA I like to ask you something bro if you allowed me can i get your contact number if you don’t mind please thank you 😊

[@wintsonburon4736]

Am part of the lucky team, thanks to all friends who recommended Zenithcyber1 at telegram to me, it’s real

[@dcaprifingerontelegram9596]

Am part of the lucky team, thanks to all friends who recommended Zenithcyber1 at telegram to me, it’s real

[@Shammy808]

Will this work if im currently enrolled on debt relief program? I've seen my score go down because of national debt relief for some time now

[@josephhogue]

You'll probably have to finish the program before your score goes up much. They hit it pretty bad because of the way it works.

[@Shammy808]

@@josephhogue I see! Thank you!!

[@mikeceballos7023]

Great video as always! I completely agree the current credit system is flawed, but at what cost is this going to be to fix it. For one, like others have posted what government system has ever been smooth and without flaw. This sounds more like less privacy of individual finance. Bank account info and payment history being directly shared to the government. They already know what is reported on end of year taxes. This would allow knowledge of how that money is spent as well. For most people that may not matter but it’s still something to think about. At the end of the day, it’s what it’s. Freedom is far from being free in today’s time. This might make it easier for younger people to get credit they deserve. At the same time giving more credit then someone is accustom to can create problems that could be avoided as well. Because I was in the same situation where my score denied me from great position but I have no worries when I met Hackergold02 on I-g..

[@mamzersdream1]

I should be judged by the content of my character, not my credit score.

[@josephhogue]

Absolutely. Credit score and what's on your report is one of the last areas of legal discrimination. From employers to landlords and even insurance companies, all allowed to discriminate based on your score.

Thats called "GOVERNMENT MANIPULATION"!!!

[@scattershot7894]

Then I’d really be screwed.

[@tamikabruce7201]

Chucky Justice good character pays bills on time

[@mamzersdream1]

@@tamikabruce7201 Then do it

[@YakMommi]

On tip 2. You want to keep your debt well under 30% of your available credit. 10% 5% or zero, ie paying your full bull every month, before interest is charged.

[@1486230]

As soon as you close your older established credit accounts your score will drop as it decreases your average age of accounts. If there is no annual fee you should leave your revolving accounts open.

[@josephhogue]

Booya correct. It also increases your credit utilization ratio because it decreases your credit available.

[@Nordic4U]

Please read my posting on repairing and increasing credit and paying your mortgage off early while saving a fortune in interest....IT WORKS !

[@gbnomore3918]

@@josephhogue That's what I was thinking. Question is, which is the less of the 2 evils if they both impact your credit score? BTW @3:05, "TranUion"? How long have I been alseep? 😁

[@GohanBurner]

Say you have a $5,000~ debt with one CC. Open another CC with an intro offer (ie: $300 after spending X in 3 months). Pay yourself the money you need to cover the other credit card with a POS like Square or PayPal Here. The fee for using it is way less than a cash advance. You'll have spent the minimum spend basically transferring your debt to another card and get some "free" money on top of it. That's what I did to get out of debt. I haven't used any of my CCs since.

[@doncapone9597]

I'm at 524 with 3 high remarks could I still build credit with the remarks

[@irisemavilla590]

@Mellisa Ferdinand actually worked?

[@luisangel7644]

@Mellisa Ferdinand help me with that :)

[@ariessun4115]

I have a dismissed bankruptcy from 2014..I never went through with the bankruptcy but it still shows on my report..Can i get that removed?

[@josephhogue]

If it was dismissed without filing, it shouldn't be on your report. Write the credit bureaus to remove it and should come off.

[@angelrose7559]

Text *Jameskosta2* on Instagram He did mine.

[@noetorres4092]

What if our credit score is too low for a personal loan ? To consolidate credit

[@josephhogue]

Definitely a tough one. I was able to get a consolidation at 560 and barely squeaked in. Might be able to get approved for a lower amount and shorter-term (usually easier to get). Pay off that first loan and it's easier to get a larger loan for longer even on lower credit.

[@kengerlitzki2256]

What specific type of dividend stocks would you suggest for a small investor to look into (regardless of how often one would pay out), for a person quickly approaching retirement? Thank you for any feedback! Ken

[@ewlinitis]

I wish I could close my Amex Gold card which charges me a fee every year , a fee with perks and services I really do not use. If you'r wondering why did I get it, well I was very young and knew very little about credit cards then. They accepted my request right away and off I went. Now , since I do pay a fee on that card and I've had it for such a long time, it is one of my most used cards and oldest credit history cards. So closing it at this point will most likely hurt me a great deal, but I sure wish I could close it to not have any yearly fees . My credit is excellent as it is, so I don't know if closing it will even matter much to my credit score just my history. Your thoughts/ what woould you do?

[@josephhogue]

Great question and one I struggled with on an American Airlines citi card. In your case, I'd say close it but try to do it at least six months before you'll need to use your credit. Your score should have pretty much rebounded by then. Another option is to call and tell them you're going to cancel unless they waive the fee (might not work every year but should get you at least one year). No reason to pay annual fees to a credit card.

[@ewlinitis]

@@josephhogue Yes I think I will eventually be closing it, thanks much . I have other cards just as old as that one so my credit history should be very good still. I've ownd and sold a home plus had a few cars that are fully paid off. Thanks again J.

[@newyorkmedicalmarijuana4711]

ABSOLUTELY DO NOT CLOSE YOUR ACCOUNT THAT WILL CHANE THE LENGTH OF YOUR CREDIT HISTORY which is 30% of your FICO Horrible advice I am 34 and have a 813 fico that took me 13 years to get Do not close an account

[@ewlinitis]

@@newyorkmedicalmarijuana4711 thanks , I'll just continue using it then . Glad you answered on time , was about to do so in a couple of months .

[@ctbt1832]

There are so much savings with Amex that your fee can be nothing or next to nothing. Try to down grade it

[@main2333]

Could one negotiate with Capital One to remove negative report?

[@kellishort3581]

Look up allforgodcyber1 vi*a g-mail

[@ninjashinobi1703]

Actually getting put on someone else’s stuff is not realistic no one wants to do that and most wont ask or have someone to ask so I’m glad he didn’t say to do that

[@Paparazzionsite]

That's not true, did this with my son who is in college and kept the card to help him.

[@sunnyfoxglove11]

That’s not true. My mom added me as an authorized user on two cards and it increased my credit dramatically. It doesn’t damage her credit and I get the benefits of her impeccable credit history.

[@wardencobb7442]

I need to try step 1 unfortunately... I ordered my reports and I'm going to do what you said. The account is closed and 6 years old. 🤞🤞 I might have to try step 4.

[@hopked]

I love the info on raising the score but there is a big issue with you scoffing at someone raising their savings to the level where they can pay cash for their car. It's something we should all do.

[@josephhogue]

Definitely think paying cash for a car is achievable. I don't like the advice you get from many that says only pay cash for a house though. Totally unrealistic for most people.

[@Nordic4U]

Please read my post on repairing and increasing credit and paying your mortgage off early while saving a fortune in interest....IT WORKS !

[@hugosalazar1760]

Hello i have a problem i had collection with sprint phone service, i owed them and negotiated it to lower what i owed them , but once i paid them they never removed my negative report on credit bureaus, and they refused now to remove the negative report. What should I do next ?

[@kareemkazeem8955]

Hello Hugo Salazar, email gina@creditmasterfix,com

[@maryernest3832]

@@kareemkazeem8955 The whole credit thing is a total mystery for me. And I have done exactly the wrong thing to build my credit thinking was the right thing to do. They ought to teach this stuff in high school honestly. Because my parents scared the shit out of me about it so much that I've never had a credit card until I was 45 with help of penneyhackcreditfix,com they helped me remove all negative items , raised my score to excellent and also added some good tradelines as Per my requests. They're professional ethical hackers with longterm credit repair experience. I really appreciate their service

[@nenephillips967]

How can I get my credit karma increased?

[@PatTube99]

By donating money to a church 🙏. This will change your karma from bad to good.

[@josephhogue]

Not sure I understand what you mean. Talking about Credit Karma (the company) or karma for your credit?

[@SS-bp8yq]

More and more banks are using the vantage score system which from my experience is usually 50-75 points less from the FICO score which depending on your situation really sucks!

[@josephhogue]

Yeah, I've seen quite a few using the Vantage credit score lately. Not sure why, doesn't seem to be as good as FICO. Mostly based on your credit report so both should be about the same though sucks when one is lower.

[@SS-bp8yq]

Let's Talk Money! with Joseph Hogue, CFA I applied for a mortgage last year and they used my Vantage score which effected my loan. I was lucky enough to have good credit so it didn't hurt me as much as someone with a lower score. My FICO is 789 and my Vantage is 733 now which seems unfair when applying for a low interest loan.

[@SS-bp8yq]

Let's Talk Money! with Joseph Hogue, CFA Joe my score was 689 six months ago and I used some of the hacks you've discussed so your hacks which you've shared do work.

[@josephhogue]

Good to know they worked for increasing your credit score.

[@aliyudanboyi6453]

Wow thanks ray for helping me increase my credit score :)

[@deloriserwin5659]

I did use the services of a programmer and analyst called Royson Brandon from Credit Master Fix LLC to get rid of student loan, debts, bankruptcy and hard inquiries off my credit report and my score was also boosted to 790+ within a short period of time. You can get to him via [[e-mail]] if you're in need of any credit help or advice.

[@dcaprifingerontelegram9596]

thank God the surgery was successful,all thanks to Usacyberworld at telegram.. you are the best

[@vh7637]

Awesome video here. Just had to subscribe ♡♡

[@user-xm2vn6kt1w]

Ultimatehackweb / telegram is real and best.

[@user-xm2vn6kt1w]

Ultimatehackweb / telegram is real and best.

[@BucketCharlie]

Can you negotiate a charge off with a pay for delete and lower payment amount? Like paying the original balance for a delete?

[@maxinejones4611]

Surely there are ways to get collections and charge offs taken off your credit sooner than you think, there are loopholes in every system. Though I did use the services of a programmer and credit analyst called Royson Brandon from Credit Master Fix LLC to get rid of bankruptcies and hard inquiries off my credit report and my score was also boosted to 790+ within few days. You can get to him via [[e-mail]] if you're in need of any credit help or advice.

[@BucketCharlie]

@@maxinejones4611 i wound up paying it in full and it's coming off that way but darn. It was costly.

[@maxinejones4611]

@@BucketCharlie This is just a one time thing and its off, I couldn't believe it.

[@rickdickerson4895]

Finally got my car refinanced they gave rate of of 5%

[@josephhogue]

Excellent rate Mike.

[@marilyncruz1030]

I have been in my same residence 23 years,I when I requested my credit report I saw an address that I’ve never lived in. After I dispute this will my credit rise?

[@josephhogue]

Probably not if it was just a wrong address. Doesn't hurt/help your credit unless there are judgments on the address against you.

[@DreDaTruthhh]

Good debt can boost your score

[@josephhogue]

Exactly, well making payments regularly on good debt will boost it.

[@stevejohnson9788]

@@josephhogue What is good debt?

[@thatdude1354]

@@stevejohnson9788 student loans

[@monicanunez7865]

How about student loans.? That the only thing that hurts my credit.

[@noellerandall2959]

Hello Monica, email gina@creditmasterfixllc,com she would help you remove the student loan affecting your credit report....

[@ebwilliams8926]

Hi Monica Nunez, Gina also helped me pay off the student loan and increase my credit score... You can just go to their website on creditmasterfixllc,com and see things for yourself

[@maxinejones4611]

Hello Monica, I know student loans can be stubborn, well I did use the services of a programmer and analyst called Royson Brandon from Credit Master Fix LLC to get rid of student loan, debts, bankruptcy and hard inquiries off my credit report and my score was also boosted to 790+ within a short period of time. You can get to him via [[e-mail]] if you're in need of any credit help or advice.

[@onchasable9169]

I actually did pay cash for my house LOL!

[@onchasable9169]

Short sale properties (bring cash offers) I'm in the vendor services business selling merchandise at flea markets motorcycle rally's outdoor events cash is king in my business and I have investments in Stash, Lender Club, Seed Invest, Fund Rise etc.

[@mikeceballos7023]

Great video as always! I completely agree the current credit system is flawed, but at what cost is this going to be to fix it. For one, like others have posted what government system has ever been smooth and without flaw. This sounds more like less privacy of individual finance. Bank account info and payment history being directly shared to the government. They already know what is reported on end of year taxes. This would allow knowledge of how that money is spent as well. For most people that may not matter but it’s still something to think about. At the end of the day, it’s what it’s. Freedom is far from being free in today’s time. This might make it easier for younger people to get credit they deserve. At the same time giving more credit then someone is accustom to can create problems that could be avoided as well. Because I was in the same situation where my score denied me from great position but I have no worries when I met Hackergold02 on I-g..

[@DGturbo777]

I paid off a capital one card in full, they sent it to a collection agency. I have disputed this charge twice and it's still on my report

[@Nordic4U]

Please read my posting on repairing and increasing credit and paying your mortgage off early while saving a fortune in interest....IT WORKS !

[@maxinejones4611]

l I did use the services of a programmer and analyst called Royson Brandon from Credit Master Fix LLC to get rid of student loan, collections, debts, bankruptcy and hard inquiries off my credit report and my score was also boosted to 790+ within a short period of time. You can get to him via [[e-mail]] if you're in need of any credit help or advice.

[@patriciaannpayne3859]

I have had a Mortgage Deed in Lieu on my credit report since 2016. 1) How long will it remain on the report? 2) Can it be removed before a set time? Thank you. Ms. P!

[@josephhogue]

Hi Ms P. According to FICO, it can take as much as five years to rebuild your credit score after a deed in lieu. The Mark can take as long as seven years to drop off your credit report. You can try to dispute it after a few years to get it removed but it doesn't usually get taken off.

[@elsinadorsman7766]

Patricia Ann Payne Yes of course , I hired newedgehackers to get my student loan cleared and had my credit score floating at a 750 . I can’t thank them enough for actualizing what was thought to be impossible. Seek for assistance at newedgehackers@gmail. com

[@kjbtrucker2820]

I got the same and with work I went from 528 to 650 in 5 months. Not good credit but by this time next year with same type of discipline I should get between 700 nd 750.

[@Nordic4U]

Please read my post on repairing credit & paying mortgages ahead of schedule.

[@theofficialmetalmotrmagazi4996]

Patricia Ann Payne 7 years

[@itsmilmo]

I liked credit score hack number one! It's a great idea and doesn't cost a thing but can have such a positive result for your credit score. Great video!

[@josephhogue]

Thanks Lacey. Yeah, I think that's one of the best and least understood credit hacks.

[@romekirk6054]

Credit Score Tip No.2 is "highly situational" to put it nicely, but honestly its bad advice for a lot of people. Asking for a credit increase typically results in a hard inquiry that will result in a lower credit score for 1-2 years. Which is not ideal for building credit fast, and that's not including the point that you could be denied the credit increase which would make the hard inquiry pointless, and at the same needlessly detrimental to your credit score. Be wary of credit advice from any and all sources, that includes this channel. While I will admit that the people/person who wrote these tips are knowledgable about credit scores, they are also knowledgeable about the downsides of these tips and deliberatly chose to not communicate these risks with their audience. This video also employs the use of several popular tatics that scammers/salesmen use so I'm personally weary of any of the "finanacial" adivce given on this channel. *edit for spelling & grammar 7/11

[@josephhogue]

I didn't gloss over the downside to inquiries on a credit score, go back and listen. I've seen credit increases result in a soft inquiry more than the hard variety, it's the same thing the credit card companies do when they pre-approve your credit and doesn't hurt your score. Even if they do a hard inquiry, the change to your credit utilization ratio can offset the negative effect of the inquiry. While it's true that inquiries stay on your credit report for two years, they only negatively impact your credit score for the first year (TransUnion source). The higher credit limit lasts for as long as the account is open. Might not boost your score fast but it will have a increasing effect over time.

[@drizzle0971]

Had credit limit increases with no hard inquiry, Citi double cash.

[@almay9962]

I had collections removed then put back on my credit report with a new recent open date.

[@aliyudanboyi6453]

Al May Hey dude I’ll recommend this dude I meet on Instagram his a pro at this he helped me increased my credit and cleared out some bad reports on it also did same thing for my sister his the real deal his handle is ray_consult on insta go for him..

[@deloriserwin5659]

There are ways to get collections and charge offs taken off your credit sooner than you think, there are loopholes in every system. Though I did use the services of a programmer and credit analyst called Royson Brandon from Credit Master Fix LLC to get rid of bankruptcies and hard inquiries off my credit report and my score was also boosted to 790+ within few days. You can get to him via [[e-mail]] if you're in need of any credit help or advice.

[@shirabland]

That’s a re-age and a violation

[@almay9962]

@@shirabland if I dispute it with the bureaus will it be removed? Could I sue in small claims?

[@shirabland]

@@almay9962 try the company first, the then the credit bureaus, if they don’t then the consumer bureau/BBB complaint process, last resort is small claims but if you don’t have documentation it’s pretty futile. I had a copy of my credit reports from the past 30 days that were updated daily because of my Equifax membership so it showed it on removed (for several days) and then re added. So it was resolved within a week. But I keep a file on my google docs for instances like that

[@rickyjencks6498]

811 score 💪

[@ndspeedster]

what sucks is that even if you paid down all your cards or whatever, the agencies don't update your score for about 60 days.. sometimes 90.

[@josephstrongbow5522]

lol. sorry bro but you should tried other means. im sure if you contacted david on whatsapp @ [phone] you wouldnt have to face this issue