How To Fix A BAD Credit Score ASAP

Lets answer the question: How to fix a bad credit score FAST, and the best techniques you can use to improve your credit score as quick as possible, for totally free - Enjoy! Add me on Instagram: GPStephan
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HOW TO GET AN 800 CREDIT SCORE: • How To Get A PERFECT C...
HOW TO BUILD YOUR CREDIT: • The BEST way to begin ...
FIRST: pull your credit report and figure out WHAT’S bringing it down.
CreditSesame.com was one of the websites that recently sponsored one of my last videos, and even though they’re not sponsoring this video, they’re a fantastic service and I use them myself.
Once you have you’re report - you’re going to review it to see what’s bringing DOWN your score, and typically it’s going to be one of the following:
-One, maybe you don’t have ENOUGH credit
-Two, maybe there are late payments
Three, accounts in collections
Four, maxed out accounts
Fifth, bankruptcies or foreclosures
To fix late payments:
-Pay it off as soon as possible.
-Try to negotiate the terms of the debt and see if they can adjust your account status back to current.
-Ask if they can remove the late payment as a courtesy
-Look for inaccuracies and dispute it
To fix accounts in collections:
-Dispute any errors or inaccuracies
-Ask the lender to validate the debt
-Negotiate to pay off the collections in exchange for removing the account in collections*
-Dispute the charge once paid - if they cannot prove the debt, it’ll get removed*
*Use at your own risk
To fix maxed out accounts:
-Pay down your credit card(s) or loans
-Get more credit to lower your utilization
-BE RESPONSIBLE WITH THIS
To fix Bankruptcy and Foreclosures:
-It’s very difficult to do
-Dispute any errors or inaccuracies
-Improve everything else to lessen the impact of this
And THAT is exactly how you can FIX a bad credit score, entirely on your own, without paying a third party company to do it for you. The process is fairly simple, it shouldn’t take too long, and the increase in your score should help save you a TON of money in future loans you get, mortgages you borrow, or even just getting approved to rent an apartment - the benefits from doing this are immeasurable.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at [e-mail]

[@alexeyvera5474]

I don’t get why they don’t teach this in school it’s like they want us to do bad

[@bigike9009]

Excactly

[@amillionmileride]

Why would they want you to do well? They make more in fees than they do in teaching classes to prosperity.

[@JodeeRozay]

They want workers

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They do. It’s easier to control the uneducated.

[@Blueskywatcher]

Thank you so much! I hit the like button.

[@Lyle-Walters]

Dude, you taught me more in 30 minutes than the entire sum of every conversation and class I've ever encountered. Thank you, thank you, thank you! I watched your videos months ago, and I just climbed over 800!

[@iot1305]

I've just spent the last hour learning important credit info from you. Thanks.

[@machomenos4681]

Raise your points 150+ in a few months. Its paying your credit card payment few times a month. Meaning if your minimum is 80dollars if can pay that 2,3 times a month for 3months or so. Your credit score goes up fast

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On god?????

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[@ygmistique8155]

Ok. I will do this and get back to you.

[@Chri5tian-]

So max out the 80 and pay it off over and over in the same month?

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net

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This has been the most straight forward right to the point video I have found. I've been looking for a video like this for years. Many videos have to much round about dancing talk and still don't give to much info because they want you to buy their program or expertise. Ty for posting great Video. This should be part of High school senior year and college financial literacy.

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Thanks Gram so Helpful!!!!

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Excellent information. Thanks for sharing.

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Thankyou soo much this was very helpful!!! You’re the Man for this lol

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This was very helpful thanks for the content

[@InReality33]

Just wanted to let everybody know that two months ago had a 630 credit score and I got an unsecured credit card with a $500 limit. I actually maxxed it out (sorry graham) to help pay for a minor but emergency surgery. I paid my balance in full two days before the due date. And two days ago, my credit score jumped to 673. I now officially have "good" credit! Now it's time to keep climbing! (This is my own story, results may vary... but figured this might be helpful to somebody)

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I needed to see this.

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The fact that I kept searching “graham how to-“ instead of just subscribing -.- new sub

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[@DanielDunn1222]

That is extremely helpful and gives me great hope amidst finding a student loan I had specifically asked about when consolidating students loan I thought were almost paid off. With what you said I believe I can have the shackles of bad credit broken off to finally stop renting Hell. After I'm free I'll buy your platinum program. Thank you so much and I'll update you with what happens!

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[@withinpeace]

Super helpful! Thank you

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thank you!!!!!!!

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[@JayCeeMax]

You did a great job explaining multiple credit repair tips for average people. Good job Sir Graham!

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Amazing video,thank you for sharing this

[@lefthandedcreative]

You're great, thank you so much!!!

[@selmaergin4697]

I tried using the bureau company times without number before they got back to me this took like a month and i ask to pay the debts on my report and i followed some advice they give to me to paid the debts,i do but still got the debts on my credit

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The only reliable organisation is cognitive hacks

[@producermikmer8283]

who upgraded your credit score for you and cleared all negativity on your account report ?

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[@julianbuckley-wz3lv]

You are great. My NFCU bankmanager referred me To, Gl o bal te ch cre dits olu tionor g. I hank God for this wisdom. All my 17 inquiries and collections deleted with my score raised to 798 .I highly recommend if you need help tool would say I don't know how I find you on KZbin, but I know better. My husband and I have been in prayer so that we get our credit scores up and our credit record in great shape so that we can purchase our forever home. It was no one but God that led me to....

[@noaneal9419]

Thank you Graham

[@user-jo4ev4qk7e]

continuously helped me like you have. I thank God for your presence in my life. Thanks a lot!!!

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Lonehck00

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On lg

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On lmsta

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I reached out to them and surprisingly they helped me clear off my debts and now I have an 800 credit score rating. God bless you lonehck00

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They’re only a dm away!!😊

[@JeffWybo]

Great editing !! Great video !

[@GrahamStephan]

Thanks!

[@strawberry23486]

This helped a lot!!!

[@sherrarascott-francis1182]

You are so awesome!!! Thank you

[@cameronharvey4746]

This actually really helped because i thought i was smart opening a low limit credit card and using that small amount i had then paying it off. It was negatively affecting my score because i was usually using 80% of the limit of the 300$ credit card.

[@prayingsnakefreeman2828]

Love your videos and like the stuff in background

[@erikharris3294]

Thanks for the info

[@assamjobupdate2406]

You don’t just make use of organisations and keep quiet while you see people miserable out here,atleast share let consult as well, if we can cope with the bills for the repair fine,if we cant then we move on

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The only reliable organisation is cognitive hacks

[@MurrayM525]

finally getting some help around here

[@relax_and_enjoy1]

I agree. Dispute everything first. If it doesn’t fall off, try pay for deletion, if that doesn’t work, negotiate settlements. And definitely work on building positive accounts simultaneously.

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[@Virtuous1Queen]

Wow! Thanks for this knowledge!

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Very informative. It does not cost close to anything to do it.

[@YasinBacaksiz]

No way getting a grant with low score, how do I increase my score fast.Any sure recommendations?

[@sunnydelight5425]

The only reliable organisation is cognitive hacks

[@jackaaron6772]

I respect him cos he’s always being true in everything. He was able to help me fix my bad credit

[@joshuabanks7144]

Scammer Scammer !!!!!!

[@iamflashin]

EXCEYTHANKS BRO skipped on and off but HELPED ALOT!!!!!!!!

[@FDS-nucklehead]

Thanks Graham

[@ahmetzumrut4773]

Maxed out my credit card with no way of resolving it, tried several methods all to no avail kindly advice guys on what to do!

[@sunnydelight5425]

The only reliable organisation is cognitive hacks

[@MurrayM525]

finally getting some help around here

[@sterrytoolsoftwarecom7424]

@@kisinakrejci3512 Kindly reach out to the website above he's the best so far he's an expert he can help

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It tough getting off this hard inquiries, how do I go about it for pull offs?

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The only reliable organisation is cognitive hacks

[@sterrytoolsoftwarecom7424]

Kindly reach out to the website above he's the best so far he's an expert he can help

[@markseancullinan7246]

I never knew my credit score could come up this far thank you

[@DailyPranks]

First time here he deserves a like and a follow

[@efeemusic_667]

A relative used my credit cards ran up to the limit maxed all my credit cards When I was able to check this out I didn't charge all these cards Had to file bankruptcy So now I have T-Mobile after me that I didn't sign for did not go in store and purchase phone with them,any organization that can get me out of this mess please will be appreciated in the comments

[@sunnydelight5425]

The only reliable organisation is cognitive hacks

[@DabbaHashery]

Get a lawyer and sue your relative. They have no place in your life.

[@midogamerdz5853]

Have got a student loan of $26k I have to clear urgently, any idea who can assist with that?

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The only reliable organisation is cognitive hacks

[@MurrayM525]

finally getting some help around here

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@@MurrayM525 how possible is that

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@@Jeff_Got_Keys_Pranks with cognitive hacks

[@NickRaeff]

Call Dave Ramsey lol

[@DynamicWealthBuilders]

Thanks Stephen

[@danieldavila4999]

Got my credit score from 702 to 764 in half a year thanks to this man right here. 👏👏👏

[@facilitator999]

That's crap

[@chedethierry3343]

Mike CorLeoné no wonder she left you. You cynical sack of 💩

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Mike CorLeoné what did you do?

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Mike CorLeoné to raise your score

[@mikecorleone6797]

Che De Thierry actually i left her because she was wasting money and playing games behind my back and left my 2 year old daughter with a complete stranger for 2 days and took off to vegas with her friends while i was working as a truck driver you cynical piece of 💩

[@Hieroglyphics87]

You said maxing out credit limit is bad. So question what if I buy something for $500 and that's maxes out the credit limit then you pay it off immediately does this screw over or better your credit score?

[@truechaos212]

As long as it’s paid off before it’s reported. Each Company reports usually monthly and what ever the balance is at the time of reporting is what hits your credit report.

[@kanishka2180]

All effort to increase my credit score and eliminate all the negative items on my report proved abortive please help a fellow man out on your secret organizations for credit repair and boosts.thanks

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The only reliable organisation is cognitive hacks

[@sterrytoolsoftwarecom7424]

Kindly reach out to the website above he's the best so far he's an expert he can help

[@KhrisWrestlingViews]

I really needs to boost mines I’m at a 580

[@GlamCam84]

Thanks for this video

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I'm part of the 800 credit score clubs, all thanks to..

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Globalfixpro.

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Ñet

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They are the best and I highly recommened. Don't forget to thank me later

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@@annabethholliegriffith7285 great, my family need this.

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The nonsense from the burueas is getting much.who can wipe off late payments on my report

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The only reliable organisation is cognitive hacks

[@tylerparker3024]

You can wipe them off. Make the payments lol

[@BlendedBeautyXO]

I absolutely destrooooooyed my credit this past year trying to keep up with rent .. just moved back home, and hoping to get it back under control 😢

[@southerngirlchef5886]

You will! You did it once, you can do it again. Get a secure credit card with your credit union or bank. It will help you.

[@ryanappenheimer9304]

WOW! What an amazing video!!

[@miriamgalan1810]

It’s funny how you have to work so hard to repair your credit and it takes forever and they can entirely ruin you in two seconds! 😒

[@Houston343]

Good information and gets to it quickly

[@myaura7583]

literally gave me all info I already knew

[@patricialane7090]

Credit score is not something used in all countries though. In France, they determine if you are eligible to get a loan (e.g., to buy a house) based on the ratio between your salary, your expenses and your savings. Basically, if every month you 'burn' all your money, you're perceived as riskier than someone earning less but consistently making deposits to a saving account. I feel in the US people tend to buy things they don't need with money they dont have... The only times I feel one should need a credit is when buying 'big' things (house, car, etc.). Not for a TV. I'm 42 with over 792 credit score, time was put into that to build it up with the help of

[@patricialane7090]

Globalfixpro.

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Ñet repair service I highly recommend thier work

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Please I need help too

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He’s going to help you fixed up any errors on it

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[@AshleyMona]

So I had to do a credit score check yesterday. I found out my credit score was bad but I thought it was waaaaaaaaaay worse than I expected. So I’m currently at 527 and now interested in building my credit score

[@GiPaoCreates]

Thank you!!! 😊

[@maggie0285]

I had a credit score of 821 before I bought my car. I have one credit for the last 25 years and I have never been late. Every auto loan I have had has been paid off and never been late. Wonderful feeling to watch them do a credit check on me knowing my score is 821.

[@es5398]

Omg!!! That’s so wonderful 😊

[@shauniharris1638]

ok... I will be giving this a try ... will keep you posted

[@patriciamargaret3290]

Will you teach me ?

[@nebunebu7019]

High quality content. Thank you for the help

Last year I enlisted in the National Guard and did all of my training from Jan-August I had almost $13k worth of collections after i added up the line of credit that i was paying daily interest on It was a pretty rough time I was 12 months into my car loan and every time I applied to refinance I got denied I tried to get a debt consolidation loan and got denied,i am sick of this. can i get a perfect refferal for my credit repair on here?

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The only reliable organisation is cognitive hacks

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Damn everybody got a daughter in law school 😂😂😂😂💀

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I bought some credit card from *operator.rio11* on Instagram and it was real and all his card were valid💯.

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I've been sending a lot of good reviews about *operator.rio11* on i g everywhere on KZbin he's really worth all the recommendations💯.

[@tylerdexter5492]

Thanks for the info!

[@saxophonecsb7398]

Great Content!

[@ceciliaruns72]

Fixing bad credit after divorce and a financially abusive marriage is very challenging season, especially when the house has to be refinanced 😣 I hired someone to help me because I'm too busy with a full time job and 4 teens to manage this on my own. It takes a while, so far almost 2 years. Moral of the story, take care of your own finances even if you think your spouse is "taking care of everything!"

[@kristinaculp7185]

Just a side note, be careful about opening additional credit cards. You will receive a hard inquiry and this impacts your score too and stays on your credit report for 2 years. Thanks for all the good content Graham!

[@johnathangreay987]

Sup Graham? You badass kickass credit card messager you. Lol.

[@TheFARO]

You just inspired me to post a video that actually helps people with their bad credit score.

[@Kayslay203]

This video was super informative 👏🏾

[@kevina.2269]

Btw Graham, you writing everything in the description does not go unnoticed. Thank you for that

[@Kittycurlz]

very helpful!

[@EverythingSim]

Great videos! Love the content and great info!

[@cherrytung]

Can y’all imagine Graham voice saying *bad credit? No problem. We fix bad credit*

[@3mig4s82]

I learned alot from this video

[@dyrwtkhiehomie7887]

Thanks bro!

[@AboutAysha]

It's crazy how 3 simple numbers have such an impact on so many aspects of our lives!!

[@yourmanzach2307]

Aysha Chaudhry - Property Investing life is all about numbers....

[@AboutAysha]

@@yourmanzach2307 very very true

[@Camillyahreal]

🤦🏽‍♀️🤦🏽‍♀️🤦🏽‍♀️🤦🏽‍♀️🤦🏽‍♀️

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the Planet Finance Company are professionals that help fix credit line and build credit scores with no charges. you can google to know more about them or reach them on phone [phone]. they respond quickly and answer all question patterning to Credit line

[@masterkurs]

Credit it's time consuming to get fixed and grow but it's funny with a late payment goes to trash in a matter of seconds

[@joseholguin6317]

Thank you so much

[@crac345]

This really helps

[@richardtrujillo3123]

Pay cash or don’t buy it. Simple. We could collapse the debt system if we all did this. Most of our grandparents did. Abolish the Federal Reserve.

[@soylameraverga6068]

It’s easy pay your bills to have good credit

[@OnlyMal9]

That only makes up 30% of your credit

[@soylameraverga6068]

@@OnlyMal9 don’t matter paying your bills And having 100% on time pay history makes you have good credit

[@whiteboyy2x760]

Some people go to prison and can’t make payment something called ( we’re all human people make mistakes )

[@hamonalegria914]

Smashed it

[@chocolatecandybar]

Graham you are amazing I would love to work with you one day

[@investwithshaun5317]

Nailed it! Good credit is a powerful weapon when used properly in investing!

[@daisyhinojosa23]

THANK YOU SO MUCH GRAHAM!! 🙏🙏🙏

[@AALO101]

Oh, my Lord, lord, lord, lord. You bring so much value to people’s lives, Graham. We couldn’t be grateful enough.

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Contact [phone] on whatsapp(he does not take upfront payment) or hak_debra66 on instagram and also through email [e-mail] if you need help hacking your PayPal,credit score fix, bank account,phone hack(cheating husband or wife)western union hack,money gram,credit card hack,instagram verification, facebook and many more.. His fast and reliable

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Everyone is responding so fast! It's only 2 mins since the video is posted 😂

[@renzellgivens2460]

Their firm is absolutely outstanding! He mentioned that I would start seeing progress around a month and that is absolutely true. I have to admit I was a little skeptical at first,but after seeing what you were able to do with my credit after only a few months, it is very reassuring. Each time I've had a question I've been answered in a business day. I would sincerely say that *Futureimperative🟡net* conducted business in the utmost professional manner. I am extremely pleased with the way you worked things out for me. I will definitely suggest your services to any of my friends or relatives if they will ever experience any problem with their credit.

[@johnpeter6621]

Check that dude is a professional indeed

[@mitchellmullen472]

Thanks g

[@AlgoDar]

Brothers, we need to congratulate Graham!! Guess Why? It's his first SMILING thumbnail!

[@Gombi787]

Civil Engineering Philosophy check again bruhda

[@CodySteckRealEstateVideos]

LOL

[@ccheatham4012]

I had a lot of closed accounts, inquiries and collections on my reports that was affecting my score negatively, I fixed all that with the help of Andy Lucas at Andyhackscreditfix,org.. He cleared all my negative items and I got a massive score boost of more than 274 points in less than 2 weeks..

[@alex-qu7kb]

this isnt his first smiling thumbnail what??

[@TommyleeATGMAILDOTcom-ws3wg]

Contact him on moore_hack on [e-mail], text me on Whatsapp [phone] (he does not take upfront payment) if you need help about forex trading , Bitcoin hacking your PayPal,credit score fix, bank account,phone hack (cheating husband or wife ) western union hack,money gram,credit card hack,instagram verification, facebook and many more.. His fast and reliable .

[@thewitchinlounge9940]

Graham! You flatter me assuming that my credit score is higher than 500. Advice TAKEN

[@TILLMANSCOTT07]

Thank you!!

[@ArtistFormallyKnownasMC]

Very good thanks