@Brian J Munoz I made us of a credit repair expert to repair mine.
@wuraola54363 жыл бұрын
čreditmasterfïx🟡čōm
@dylanrusch102 жыл бұрын
Learned more in this video about credit growth than my whole 4 years of HS!
@Jungernaut3 жыл бұрын
this is so important. LOVED THE LAST POINT AT THE END!
@humphrey3 жыл бұрын
@ardatoplu42123 жыл бұрын
CREDIT LORD TOTALLY ROCKS.
@CharlieChang3 жыл бұрын
Everyone that wants better credit needs to watch this!
@humphrey3 жыл бұрын
🙌 Yes sir!
@wuraola54363 жыл бұрын
@Tyler F. Holland I am happy to have employed the services of a professional to fix my bad credit, welcome to the 800 club.
@wuraola54363 жыл бұрын
CREDIT MASTER FIX
@russellkent23763 жыл бұрын
I ruined my credit in my early 20’s doing early 20’s things, took me into my late 30’s to get it back on track. Wish I knew these tops when I was younger, even now I still am learning how to build it. Thanks Humphrey.
@RecoveryRepairpro3 жыл бұрын
Hello Russell, are you interested in boosting your credit within 72hours? I can give you a recommendation if you want
@jonaslunceford44433 жыл бұрын
Something I'd note about the last tip (which is a good tip) is that while another credit card will decrease your credit utilization, it's important to remember that credit utilization is viewed both individually and collectively for your credit cards.
@humphrey3 жыл бұрын
One thing I wish I knew earlier was to ask you to kindly scroll back up and hit that LIKE button 👍 ALSO if you do see scam comments, please ignore. I will never ask you for your info or for you to contact me.
@leodigiosia94183 жыл бұрын
U got it H
@humphrey3 жыл бұрын
@@leodigiosia9418 u the man
@jaredlash50022 жыл бұрын
I just went through and reported close to 200 spam comments on this video. It's ridiculous that KZbin can't figure out how to detect spam.
@lolley110011 ай бұрын
Good info. For those interested in adding another line, I tend to look for cards with rewards in categories that have not been met.
@robertthomas40163 жыл бұрын
Great advice 👍 ... One thing I notice for me was that credit line increase was quicker when taking cash withdrawals and paying back next due date.. especially my Discover card.
@sauravchakraborty10363 жыл бұрын
Actually the last point about too many credit cards is kind of important and I think there is a caveat to it. At one point I had around 17 credit lines open to boost my credit score, as number of credit lines is a parameter that impacts your credit score. But the important aspect is to keep your credit utilization low (not always possible), but I was very aggressive in building credit and given that my oldest credit card is less than 8 years old, I had to really maneuver to currently have a credit score of above 800 and nearly 75k credit limit. All with a 20000$ annual salary. I guess I should make a video regarding that.
@swapop90552 жыл бұрын
No video?
@Bangpaulxu3 жыл бұрын
I just started gaining or increasing my credit score five years ago. Great video! I am already explaining some of this to my son since my parents never taught me about it.
@RecoveryRepairpro3 жыл бұрын
Hello, are you interested in boosting your credit within 72hours? I can give you a recommendation if you want
@pdd50933 жыл бұрын
If you pay your credit card in full before statement close date it will be reported as 0% utilization, would this be better than paying the balance off and leaving some like 3% before statement close date?
@humphrey3 жыл бұрын
heres my philosophy: sometimes yes it will be reported as 0% utilization, but the reality is that we won't be 100% perfect in always closing it off before the reporting period, so realistically that utilization # will be a little higher on average over time. I always try to pay it off in full so that the times I do forget to pay, that if theres a balance, it'll be fine. If that makes sense.
@jenniferreed48064 күн бұрын
Great info and super well explained keep them coming friend! Greatly appreciate you
@Sayonararuiz Жыл бұрын
So many people recommend authorized user but chase charges $75yr a user. Saw that too late. And just because it’s $0 annual fee doesn’t mean they won’t charge a service fee. With chase it’s $20mth
@Beathumble3 жыл бұрын
Great video!! I’m always learning something new when I watch your videos! I’m 19 so all of this information is extremely helpful for me moving forward. Thanks!👌🏼
@humphrey3 жыл бұрын
Yesss love hearing this Jed. Thanks for the comment
@paulerr1063 жыл бұрын
Yes I knew about all of these. Great video Humphrey!
@lizjhade3 жыл бұрын
So simple and yet so crucial. Most even into their 30s don’t know this. It’s why I subscribe and joined your Patreon. You put content out that’s relevant and more importantly solid.
@humphrey3 жыл бұрын
thank you so much :D
@pcardi4123 жыл бұрын
Great video!! Things we definitely don't lean in school. Appreciate it.
@humphrey3 жыл бұрын
Thanks for watching!
@hms3769Ай бұрын
Humphrey, my mom has terrible credit. I have pretty good credit. If i add her as an authorized user (but never give her a card), will it hurt my credit? I was thinking about adding her to my Discover card.
@leodigiosia94183 жыл бұрын
crazy. It always seems to me like having *more* open credit cards would harm the credit score. Thanks for setting me straight Humphrey!
@humphrey3 жыл бұрын
dont open TOO Many. but if someone has like 1, adding another would not hurt as long as its reasonable, again, use your judgment.
@BigPoppaChonks3 жыл бұрын
Thank you Humphrey!!! Love the info your provided
@humphrey3 жыл бұрын
Thanks Sukrut for watching me, as always!
@fredswartley97782 жыл бұрын
Nice video. I'm a little confused about whether opening a new credit card would improve my score. Yes, it lower credit utilization and increase on time payments, but wouldn't it also lower the overall credit age result in a hard pull? Another question: what credit score do you need to be approved for most credit cards? Would a 700 be ok or do you need at least a 750?
@vonwafer123 жыл бұрын
Awesome video! I feel after years of learning these basic tips out the hard way, I would have loved to have known about them when I had just hit 18 if not even sooner!
@humphrey3 жыл бұрын
Glad you enjoyed it!
@scuba_steve15243 жыл бұрын
You have no idea how much your videos have helped me out! Thank you so much!!!
@RecoveryRepairpro3 жыл бұрын
Hello Steven, are you interested in boosting your credit within 72hours? I can give you a recommendation if you want
@rozcheung18943 жыл бұрын
Thanks Humphrey, great tips
@naodh88553 жыл бұрын
Love your vidoes Humphrey!😊 Keep up the awesome work
@guadalupee9706 Жыл бұрын
I would like to know how to calculate the credit usage limit on a credit card
@juliamaeterry56593 жыл бұрын
Hi! Just subscribed and used a credit card for the first time today to get gas lol. I’ve always feared credit cards bc my parents were really bad with money but in order to build my credit it seems necessary. Thanks for all the tips! 💕
@RecoveryRepairpro3 жыл бұрын
Hello Julia, are you interested in boosting your credit within 72hours? I can give you a recommendation if you want
@juliamaeterry56593 жыл бұрын
@@RecoveryRepairpro sure!
@ca3dus9963 жыл бұрын
Hey Humphrey, love the content! I think a great video I'd love to see would be a video going over the cards that you have, why you have them, and what they are used for!
@tankerboysabot3 жыл бұрын
I did know about the authorized user part, except i didnt know you can add someone under 18 on your card, as soon as my is old enough she will be added and taught how to manage their credit.
@RecoveryRepairpro3 жыл бұрын
Hello, are you interested in boosting your credit within 72hours? I can give you a recommendation if you want
@bhov24933 жыл бұрын
Love your videos man! You explain everything so well!
@humphrey3 жыл бұрын
thanks B HOV!
@arko20943 жыл бұрын
Great informative video man, What is your suggestion on the amount of credit cards someone should have by their age ?
@humphrey3 жыл бұрын
I think it depends on what you can handle. I personally had 2 credit cards from age 18-25, and then around 26 I got a third.
@arko20943 жыл бұрын
@@humphrey Okok I’ll be applying for by second one. Soon
@arko20943 жыл бұрын
Let’s gooo a credit video !
@stephennkrumah3 жыл бұрын
Thank you Humphrey!! Love your videos and follow you everywhere. I was asking if you could please make a video about student loans.
@humphrey3 жыл бұрын
you are welcome :D do you know WHAT in particular about student loans u are trying ot get answered?
@stephennkrumah3 жыл бұрын
@@humphrey particularly sub, unsub and private loans
@TJDawgs723 жыл бұрын
I’m lucky enough to have a good job and situation where my credit score is above 800. But your advice is very good for anybody trying to set themselves up and get to that level. I would suggest NO MORE THAN 2 credit cards…the temptation is just too much for some (most) to handle and try as hard as you can to pay as you go. If you do have an open balance keep to no more that 10% of your max card balance…that’s very important. And pay your bill ON TIME!!!
@tonymimi97153 жыл бұрын
All great advice!
@maricelquezon7245 Жыл бұрын
Thank you. Very informative
@Iamwaytoooldforthis903 жыл бұрын
Awesome content man I learn something new every time! Very valuable 👍🏼
@humphrey3 жыл бұрын
Glad to hear it!
@Iamwaytoooldforthis903 жыл бұрын
@@humphrey I like the personal touch
@sina76132 жыл бұрын
QUESTION: If I'm added as an authorized user on someone else's account and they MISS a payment, will it effect my score as well? You said of they're doing good on their payments then it will positively effect my score. But what if they do bad? Will mine go down as well?
@sina76132 жыл бұрын
Never mind, you answered my question in the video
@Harry_167103 жыл бұрын
Crushing it, Humphrey. Thanks for sharing the knowledge! 💰
@humphrey3 жыл бұрын
Any time!
@Wadeofaarondelle3 жыл бұрын
Best Follow of the year for me was this channel
@humphrey3 жыл бұрын
Love U dude
@Wadeofaarondelle3 жыл бұрын
@@humphrey love you bro! You have completely changed my outlook on Money forever
@annep7602 Жыл бұрын
After how long after getting my first credit card should I open another acct. I’ve had one for about 5 months and feel as though I’m ready to get another one.
@salmott3 жыл бұрын
So if I'm understanding correctly, credit utilization is calculated once a month and is based upon how much credit you use/limit. However, if you pay off credit cards, then its near 0%? Is credit utilization only on balances that arent paid off?
@humphrey3 жыл бұрын
its just on balances that are reported, so if you have some that arent paid off when they are reported, thats what credit utilization % gets reported. Did this answer your Q?
@salmott3 жыл бұрын
@@humphrey yes ty humphrey!
@castelarfinance10433 жыл бұрын
Hi Humphrey! Not relevant to this topic but idk where to message you. QUESTION do you use coinbase pro? Or do you have any video about it? If you know about it may you one of these days make a video about it 🥺 thank you and always love your content and spirit 🙏🏻
@kennethcarmona27703 жыл бұрын
I actually have a Southwest and Alaska airlines credit card that have annual fees. I’ve been wanting to get out them but didn’t want my credit to get hurt by canceling them. I’m going to try if they have a free option!
@ernestoestrada39513 жыл бұрын
Love the information! if only I knew this sooner or.. you should do a video for people who have collections and school debt like me... I'm pretty screwed on my credit
@kelvintiger2 жыл бұрын
1% is the best for utilization (never go above 10% or below 1%
@humaskhan89592 жыл бұрын
Is there a credit score calculator that you can plug numbers into to calculate it yourself?
@kimdelavictoria14313 жыл бұрын
I need this right now master! hehe thank you
@dominicsabourin35533 жыл бұрын
No one should hit 👎 button on Humphrey videos
@Adjustin973 жыл бұрын
Hey I’m new and I was wondering what I should do if I ruined my credit bc of what they consider delinquency and I’m on my own so I can’t get any help from anyone else’s credit reporting or get a new credit card.
@YooMuffin Жыл бұрын
Yes so true
@Bananamations3 жыл бұрын
This was helpful, thanks! Just went into my bank app and paid off what was on my credit card lol.
@humphrey3 жыл бұрын
Fantastic! :D
@EmmanuelBastien2 жыл бұрын
Well done!!
@mushailendran5423 жыл бұрын
Amazing content!
@bryanrodriguez54153 жыл бұрын
Do I have to stay as an authorized user forever, or is there a point where I’m able to get taken off without it hurting my credit?
@RecoveryRepairpro3 жыл бұрын
Bryan, are you interested in boosting your credit within 72hours? I can give you a recommendation if you want
@user-rp2gh6hb1h Жыл бұрын
My due payments are every 28th. I payed it off on the 25th. Can I use it again after I payed it for the month? Or should I wait after the due date and use it then. Doing this will it affect my score ?
@KivysAptApprovals Жыл бұрын
Hello, hope you are doing well! I offer credit repair services, I can increase your score!
@ladyoh243 жыл бұрын
Thank you very much for this video! I wish I had known. 🥴🤕
@siddshrestha77803 жыл бұрын
Love the video
@humphrey3 жыл бұрын
thanks Sidd!
@lisasue45203 жыл бұрын
Most of my debt is from school loans. How badly does that impact my credit? My repayment record is excellent, but the total owed is so high...
@adriancheung48243 жыл бұрын
Thank you so much =)
@humphrey3 жыл бұрын
No problem 😊
@elizabethdelgado21093 жыл бұрын
Love it
@humphrey3 жыл бұрын
@arianasherry32893 жыл бұрын
Ok
@johnchambless42013 жыл бұрын
What if your card is only a furniture store specific?
@mlo95343 жыл бұрын
nice tan
@jesselam24133 жыл бұрын
Would paying off the balance right away after i buy something be bad? So im making like many payments depending how many items i buy that month. Is it good because each one counts as an on time payment?
@abrahm45073 жыл бұрын
Any suggestions for better than beginner cards? Thinking along the lines of no annual fees but better rewards/cash back. Also any tips/tools for checking credit utilization?
@RecoveryRepairpro3 жыл бұрын
Hello, Are you interested in boosting your credit within 72hours? I can give you a recommendation if you want
@BMCHP3 жыл бұрын
How about donating your jar money 💰?
@humphrey3 жыл бұрын
the long term idea is to invest it and then donate the proceeds at big milestones like 1M subs
@commonsenseisntcommon1776 Жыл бұрын
Bro you need to get up to date with Mortgage eates!
@andrew-mo5qq3 жыл бұрын
wait but can’t we unsubscribe and then resubscribe?
@DevotedDom3 жыл бұрын
best credit card in your opinion ?????
@RecoveryRepairpro3 жыл бұрын
Hello Domino, are you interested in boosting your credit within 72hours? I can give you a recommendation if you want
@DevotedDom3 жыл бұрын
@@RecoveryRepairpro I don't need help with credit, just looking for a good credit card
@RecoveryRepairpro3 жыл бұрын
@@DevotedDom Savagehacks101 can put you through on that , he’s a guru .. Savagehacks101 is his Instagram handle. You can DM him directly
@drago423563 жыл бұрын
so if my credit limit is $200 how much should i be spending every month?
@humphrey3 жыл бұрын
$60 or less
@RecoveryRepairpro3 жыл бұрын
Hello. Are you interested in boosting your credit within 72hours? I can give you a recommendation if you want
@benks4643 жыл бұрын
Timestamps?
@RecoveryRepairpro3 жыл бұрын
Hello Benks, are you interested in boosting your credit within 72hours? I can give you a recommendation if you want
@jinlu43 жыл бұрын
Wait wait wait...credit utilization is based off your entire profile and isn't per credit card? TIL 😮
@humphrey3 жыл бұрын
yes!
@Bananamations3 жыл бұрын
Is somebody moving to Texas? 👀
@humphrey3 жыл бұрын
idk do u want me to?!
@Bananamations3 жыл бұрын
@@humphrey As a Texan, hell yeah! 😂 Cost of living is generally lower here, and hey, great tacos!
@sk8erboy703 жыл бұрын
Yang 2024
@humphrey3 жыл бұрын
🙌🙌🙌
@zuowang80303 жыл бұрын
So annoying that credit would got hit by closing an old card
@ThreeTwentyTech3 жыл бұрын
Pay off your credit card debt! Overdue debt = bad credit history! 👎🏻
@humphrey3 жыл бұрын
Yep!! Exactly.
@RecoveryRepairpro3 жыл бұрын
Hello, are you interested in boosting your credit within 72hours? I can give you a recommendation if you want
@honestjake6402 жыл бұрын
Same ile tips. Nothing is new here.
@rvfinder79973 жыл бұрын
First viewer 🥇
@humphrey3 жыл бұрын
Nice!! You were fast.
@lotto57423 жыл бұрын
How about you give away that $1000 tp your subscribers? 🤷♂️