EASY 10 DAY PLAN - How To Get A Perfect Credit Score For Home Buyers

[@sf7234]

Day 11 suggestion: freeze your credit with each bureau to prevent fraudulent items in the future. You will need to unfreeze it whenever you are applying for new credit

[@WinTheHouseYouLove]

Ooh good suggestion. That's something I'll note to add in a future video :)

[@Kassandrasson]

This guy never misses every video is QUALITY content

[@WinTheHouseYouLove]

Wow! Thanks!

[@emarti3419]

Duuuude, this is information for ANY large purchase. Even if you’re not purchasing a home, lots of great info to work on your credit. Note on day 6, credit increase requests may require a hrs inquiry. 1 time I attempted to & I was told by that particular credit provider.

[@cyndigreenwood3272]

Yes some credit cards may do a hard pull for credit limit increases. It's best to ask THAT first!

[@PlanSeekCreate]

Great video I always learn so much! Just to add a tip for bringing down credit utilization,something I did was take out a personal loan to pay off my credit cards which helped because it had lower interest than my credit cards! And my credit shot up 30 points according to credit karma😅

[@divergentmind2023]

this was super helpful to me 🙏 this Brazilian-American never really understood credit here 🤭 it is not a credit score but a debt score. there if you have a job and don’t have collections or returned checks, you have credit!

[@workingmomthinkingoutloud908]

I’ve been waiting for your videos! Yay!

[@WinTheHouseYouLove]

Sorry I've been slacking a bit! Thanks for waiting :)

[@rolandgruspejr]

Thanks for the 10-day plan Kyle & looking sharp!

[@WinTheHouseYouLove]

Thanks for watching, Roland!

[@JOJo-ci3uw]

Love your videos! You are a very intelligent educator thanks for all the info!

[@WinTheHouseYouLove]

I appreciate that! Thanks!

[@CME843]

Got one late payment from 2019 for student loan and it’s killing me 😭😭

[@dn.realestate]

Kyle, love your videos. What’s the mic you use in this vid?

[@WinTheHouseYouLove]

Thanks! I use a Neumann TLM 102

[@christinarach340]

I can only pull a free annual credit report for transunion. Why can’t I see the other 2?

[@SAN_E7]

The credit score you guys look at is different than what my free reports give me. When I applied for a loan, Allen advised me that the credit report pulled is different than what I see. I was frustrated because your score was 30 points lower than scores I was getting. How can I get a true score report like you guys get?

[@WinTheHouseYouLove]

Here is a good video on this: kzbin.info/www/bejne/b3nWiIGobNuVd6s

[@cyndigreenwood3272]

The next statement cycle for each account.

[@cyndigreenwood3272]

Oh and it depends on what model they pull from. I renetly bought a house, Experian had the loan pop up 2 days before Credit Karma.. Fico 8 and Vantage 3.. that would probably be the issue you are having. I know when I got my home loan they used 3 other models that I have never even heard of!

[@jimenacortes74]

Love your videos and advice Kyle thank you!

[@WinTheHouseYouLove]

My pleasure! Thanks for watching. :)

[@Homeschool4Christ]

I really do appreciate you, new been binge watching and taking notes.

[@korg47237]

Very well put video!

[@WinTheHouseYouLove]

Thank you!

[@TrevorSmith-p1g]

Amazing information! Your videos are awesom.Thanks man

[@WinTheHouseYouLove]

I appreciate that! Thank you!

[@rich5950]

When I look to get approved(which will be 5-6 months from now) for a mortgage, im not sure whether to use you, Dan Frio or Javier Vidana. Who should I use?

[@WinTheHouseYouLove]

Dan Frio and I work together on a team. Javier Vidana is a real estate agent, not a loan officer.

[@rich5950]

@@WinTheHouseYouLove oh ok sweet. Thanks!

[@King_levin]

I sold a house subject to. So the mortgage is under my name but I’m not responsible to make the payments because I don’t own it. But this guy causes me to have 2 30 day late payments. Will this be something I can remove from my credit because it is not me who pays the mortgage?

[@DestinationBookshelf]

My Date of last activity keeps updating - what is Date of Last Activity based on

[@leri3365]

Last payment you made

[@WinTheHouseYouLove]

Most commonly the last payment made, or if the balance changes.

[@brianadams6204]

@@WinTheHouseYouLove also if you talk on the phone with a collection company it resets the age of your collection account and starts the clock all over again.

[@cyndigreenwood3272]

It only resets the time they can take you to court, it doesn't reset the timer on your credit profile. Common misconception.

[@hedgefund996]

Good Educational Content

[@Homeschool4Christ]

What about hard inquiries, i have 4 of them and a 740 score

[@laquishacorins8483]

I am just beginning to repair my credit, I have paid off 9 credit cards and have one more to go, I also have a very large student loan debt, a car loan and a few collections on my credit report. How long should I wait to attempt to get approved for a home loan.

[@anonymousdogg1559]

My problem is that I don’t have enough credit history. Exceptional payment history, piggybacking off of family member with 20+ year history, low balance but still only 700 after 2 1/2 years. 😅

[@PandoraBear357]

You need a couple of credit cards with decently high limits, in the thousands at least, and you should be paying them off monthly not carrying over balances. Even a low balance affects your score, especially if your cc perpetually has a low balance. A paid off loan or two helps as well. The revolving accounts, a.k.a. credit cards, show you are responsible enough not to over use credit and have self control. The loans show you can and will pay off larger debts. I got a 780 in two years.

[@DaleHiggins-m4c]

720 credit score denied home loan for a ,$ 5000 credit card default 5 years ago. Is this normal

[@VeteranRealtorinMo]

Score master is down atm?

[@ronzelljones1979]

AWESOME

[@Player22222]

Hi Kyle, I love your videos however your team at win the house you love does not help at all. The advice I got from them was to find a family member to gift me funds for a big downpayment. How realistic is this advice?

[@WinTheHouseYouLove]

Hi! Can you email so I can look into this? [e-mail]

[@cyndigreenwood3272]

Look into a USDA loan! I bought my house with 0 down. EMD was refunded! But it has to be able to appraise higher than the purchase price. I was lucky! USDA is 100% LTV.

[@lang-ed3bk]

What is EMD? LTV?

[@SpiriTeedKnocepts]

So a credit repair company should be negotiating with collections on my behalf and instead of me paying them to teach me how to do it?!?! Had a company say we're not your POA but we'll teach you.

[@ZuluNinja]

This is pretty generic info and mortgages and auto loans use Fiaco not vanguard

[@WinTheHouseYouLove]

Most people are unfamiliar with this info. Mortgages use FICO. Some auto lenders us Vantage. I have never heard of Vanguard credit