How To Get A PERFECT Credit Score For $0

Here is EXACTLY how you can increase your credit score fast, and get a perfect 800+ score as easily as possible - for absolutely free. Enjoy! Add me on Instagram: GPStephan - Click Show More To See Ad Disclosure
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Here’s what makes up 100% of your score:
FIRST: ON TIME PAYMENT HISTORY - 35%
This one is VERY straight forward…DON’T MISS A CREDIT CARD PAYMENT AND DON’T PAY IT OFF LATE. EVER. In order to get a perfect credit score, you’ll need to pretty much NEVER miss a payment, ever - otherwise that could completely ruin everything.
SECOND: CREDIT UTILIZATION - 30%
In order to get yourself a PERFECT score, the credit bureaus want to see that you aren’t maxing out all of your credit cards, and that you’re keeping a relatively LOW balance compared to the overall credit you have available to you. One of the techniques I use to help with this, is just to have a LOT of available credit - all with really high credit limits.
THIRD: LENGTH OF CREDIT HISTORY - 15%
This just means - the longer you’ve had credit for, and the sooner you start - the BETTER. This is one of the reasons I recommend people begin building their credit score as early as they possibly can, even if it means going and getting a credit card THE DAY THEY TURN 18…this will help build the foundation of your entire credit history very early on.
Now, it is important to remind you that this is calculated as the AVERAGE length of your credit history…not the TOTAL length. So my recommendation is to, first, start building your credit as soon as you possible can - and keep those accounts open and in good standing for as long as possible. This will help you build up a solid fortress of longstanding credit history - so that when you DO apply for new lines of credit, it won’t reduce your average account age as much - and it’ll have less of an impact on your score.
FOURTH: TOTAL NUMBER OF CREDIT LINES - 10%
First, the more credit lines you have - the higher your credit limit - which lowers your overall utilization, and helps your score.
Second, by having MORE credit available to you, you’re able to show even MORE on-time payments - which, again, will help increase your score.
And third, having a mix of credit types - like an auto loan, a mortgage, and credit cards, shows lenders that you can appropriately handle multiple types of loans without defaulting on them.
FIFTH: NUMBER OF CREDIT INQUIRIES - 10%
Anytime you go and apply for credit, it’s reported to the credit bureaus and shows up on your report as a “hard inquiry.” This helps lenders keep track of how many times you’re going and asking for credit…and generally speaking, the more often you’re out there asking for credit, the riskier of a borrower you become.
In addition to that, if you ARE out there getting new credit cards - that also will LOWER your average credit length - which could further drop your score, as well.
Besides that:
I HIGHLY recommend you check your credit score every few weeks using a free service like CreditKarma or CreditSesame. Both are FANTASTIC resources that update your score every week - and even though they’re not going to be 100% accurate in terms of calculating what your score will be, they’re going to be fairly close and will give you a comprehensive overview of your entire report.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at [e-mail]
Some of the card links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This content does not include all credit card companies, or all available credit card offers.

[@GrahamStephan]

ANDY HACKS, LLC - Credit Backdoor - and a multitude of scammy horrible companies keeps spamming my comments and then like-botting them to the top. I try to delete them, although within days, dozens more appear. So FYI - DO NOT DO BUSINESS WITH THEM AND IGNORE THEIR COMMENTS. THANKS!

[@bobbobson9867]

Thank you for your videos! Keep doing what you’re doing please

[@deusvult316]

Thanks man for the info

[@smokeydkb]

@@NathanKwadade You talk too much, you've been giving this same fake story for months, you call and they never respond, how does that make them a scam? fake story.. #LIES

[@netook8]

Video related question. I have never get a test done. But I have had the same credit card since 2008 and never missed a payment, I've nearly maxed it and fully paid it off multiple times(currently paid off) same story with insurance. I only had 1 credit nono before 2008(lost track of an old cell phone bill). The only problem is while I may be very fiscally responsible I have tourettes, and living in a very blue collar area with a severe recession(10-25% unemployment) I don't get jobs that last longer than a few months. So my income rarely goes over 20k a year. Even then I have managed to start up a TFSA(investment) and also building up bitcoin(my income has only got my to about 0.26BTC or about $2500 worth at current prices). Maybe getting that perfect score will be what gets me out of this, the loan that starts the company, perhaps.

[@tammysanchez5559]

I have 830

[@danielshaikhali5108]

When KZbin teaches more things than School

[@cameramanfrank]

KZbinr's* !!!

[@markmetzler6422]

I’ve learned more about how to make money on KZbin than in college or high school

[@TheOmarsalas]

Sounds like an American school problem.

[@fatherleo4603]

KZbin University is where the real learning begins

[@tspopstar512]

College doesn't even teach you this

[@jarenfromvenus]

Nobody may see this but pay your credit card bill every time you get paid, not monthly. Trust me your score will thank you.

[@bivianacoyomani515]

26 years old and 803 credit score!💪💪💪💪

[@johnreimers1386]

How often did you open a new credit line?

[@cynthiabroadfoot8124]

When trying to get late payments removed on an active account, if it cannot be verified by the bureaus, do they remove that late payment and show on time payment for that month, show no information available for that month, or delete that account off the credit report? I want to get my late payment history corrected but not sure how disputing with the credit bureaus affects the active account if they cannot verify the information to be accurate, I wouldn't have been able to take them off if not me meeting *Future Imperative Corps*

[@kelvincarlson7358]

Search *"Future Imperative Corps"* to chat Brandon about getting help to fixing your credit.

[@kelvincarlson7358]

*Don't search their name on KZbin, search it on google instead. Searching their name on google takes you direct to their website platform where you can chat/speak with someone about the issues you have with your credit. I can attest to their service....*

[@zionacho7702]

There is no doubt that you will rise fast at the apex of your career. Because you are a very intelligent, smart, hard worker and your work ethic par excellence. Keep going People like you take the IM out of IMpossible by becoming PRO at tackling CRedIT PROblems. You Rock! *Future Imperative Corps !*

[@zigzagsingh6031]

*Your kindness and dedication towards your job shows how professional you’re when it comes to this I’m really happy to encounter your skills FUTURE IMPERATIVE CORPS... thank you for fixing my credit*

[@johnknight5587]

after my experiences with them , i believe credit scores are best fixed only at *future imperative corps* , they've been the backbone of my business by helping me to build my business credit profile after fixing my personal credit, thanks to *future imperative corps* . all inquiries, collections, late payments, judgement and bk permanently gone , you can reach out to them too for help.

[@jhome64]

Graham, thank you for what you do. You put a lot of complex information into a format that is easy to understand, even for someone's who's been around the block a few times. I pass your videos along to my kids and friends often. This one seems exceptionally helpful for younger people just starting out. Thanks man, and keep it up.

[@hananter]

You showed great composure, experience, and thinking while dealing with the issues i had about my credit. Your level of quality work remains unprecedented, Thank you for all your help. Without your hard work, patience, and agility, i wouldn’t have completed raising my credit score before the deadline. You rock *Future Imperative Corps* !, Thanks.

[@ginajuliet400]

Search *"Future Imperative Corps"* to chat Brandon about getting help to fixing your credit.

[@ginajuliet400]

I can’t drop their website link on here, KZbin don’t allow links. Just search their name and connect to their official page. Don’t search on KZbin, search on google to take you to their platform.

[@trendyvibez7354]

after my experiences with them , i believe credit scores are best fixed only at *Future Imperative Corps* , they've been the backbone of my business by helping me to build my business credit profile after fixing my personal credit, thanks to *future imperative corps* . all inquiries, collections, late payments, judgement and bk permanently gone , you can reach out to them too for help.

[@teressahampton3276]

Your kindness and dedication towards your job shows how professional you’re when it comes to this I’m really happy to encounter your skills *FUTURE IMPERATIVE CORPS* ... thank you for fixing my credit

[@suprizkutusu2568]

Even for the recognition *Future imperative corps* gets, his skills is so underrated at least by most credit fans in general. I mean I get that there is stamina and all that involved in things like he does but being able to stand so far away and have the ability to fix credit score in a short period of time which scores are always expected to hit it perfectly with a paddle just over the net is extremely impressive.

[@ginajuliet400]

I can’t drop their website link on here, KZbin don’t allow links. Just search their name and connect to their official page. Don’t search on KZbin, search on google to take you to their platform.

[@trendyvibez7354]

after my experiences with them , i believe credit scores are best fixed only at *Future Imperative Corps* , they've been the backbone of my business by helping me to build my business credit profile after fixing my personal credit, thanks to *future imperative corps* . all inquiries, collections, late payments, judgement and bk permanently gone , you can reach out to them too for help.

[@teressahampton3276]

Your kindness and dedication towards your job shows how professional you’re when it comes to this I’m really happy to encounter your skills *FUTURE IMPERATIVE CORPS* ... thank you for fixing my credit

[@TheCheeksClapper]

You remind me of my financial algebra teacher. He made sure he gave us the gem after gem. Preciate the refresher fam!

[@jlaux7]

16:00 Funny thing about credit piggybacking -- my dad had my name on one of his credit cards a long time ago when I had to go buy a computer for school. Fast-forward several years and I noticed I had a high utilization on my credit profile, even though I knew I wasn't using much of my credit. As it turned out, my dad had his credit card nearly maxed out and it was contributing to my credit profile and score. Once I asked the bureaus to remove my name, my score shot up 50 points.

[@mat467]

I’m 18 and just got my credit card yesterday, I’m gonna cherish you 10 years from now.

[@intro_-tv4116]

I stumbled across your video and instantly knew this was made for me. I'm going through the same thing with my business but just knowing that I'm not the only one who's experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude sir and *Future Imperative Corps* was so helpful during the process of boosting my credit

[@ginajuliet400]

Search *"Future Imperative Corps"* to chat Brandon about getting help to fixing your credit.

[@ginajuliet400]

I can’t drop their website link on here, KZbin don’t allow links. Just search their name and connect to their official page. Don’t search on KZbin, search on google to take you to their platform.

[@teressahampton3276]

Your kindness and dedication towards your job shows how professional you’re when it comes to this I’m really happy to encounter your skills *FUTURE IMPERATIVE CORPS* ... thank you for fixing my credit

[@noelsiro]

This is awesome!! Congrats 👏🏿 👏🏿 on 800+

[@jullife00]

I'm 21 right now and started my first credit card when I was 19. Definitely does not know everything about credit card and missed a lot of payments. But this video really helps me a lot. Hope this was really thought to us before we graduate high school and before turning 18. Love this video so much! Now, I really love managing my money.

[@insatiableone2334]

same here, missed a lot of payments. im screwed for a while lol

[@PyrrhusVictorian]

What I’m hearing is that if you have no credit, you should get a few cards up front use them sparingly for a few years and then apply for a loan.

[@judypierce7028]

My FICO score is 798 and has been for a while. After listening to this video, I understand why my score has not changed. Thank you.

[@SuperSeaguard]

I’ve always wanted to know these things. Thank you Graham!

[@Archangel77799]

Dude your enthusiasm is on point!

[@austinleclair359]

this single video alone taught me more then i ever learned in high school

[@dunkinmonke1380]

because you didn't pay attention in high school moron

[@jasonresh2483]

You are my hero. Our knowledge is out of this world.

[@montelongonataly]

Thanks! I feel more motivated now that I have the knowledge you gave!

[@mstraction]

My credit score has been between 820-832 for years...depending on my credit card usage...but I have never been late for payments and pay off all my credit cards in full each month. I also have NEVER paid a cent in interest in the 35 years I have had credit cards. If the credit card companies mistakenly charge me interest on a contested charge I call and refuse to pay it. They look up your credit history with them. You would be surprised at how flexible credit card companies can be if you have a history of paying off in full every month for over 30 years.

[@eminkaya2982]

*Future Imperative Corps* is the best credit repair expert I've ever seeing on YT. The dedication, passion and humor he has in these credit industry is what makes it so amazing. I’m happy it's easy to use on backend but excited to see you give that penny to creditors !

[@ginajuliet400]

I can’t drop their website link on here, KZbin don’t allow links. Just search their name and connect to their official page. Don’t search on KZbin, search on google to take you to their platform.

[@teressahampton3276]

Your kindness and dedication towards your job shows how professional you’re when it comes to this I’m really happy to encounter your skills *FUTURE IMPERATIVE CORPS* ... thank you for fixing my credit

[@DonRobinson-le6qp]

This is one of the best videos I've seen explaining credit...Great job!!!

[@storywalsh9403]

Followed Graham’s advice, just turned 21, 800 baby!!

[@sebastiansalamander7359]

At 34 years old I finally feel ready to settle down long enough to buy a house. Unfortunately due to previous horrible stupid life decisions, I'm forced to start with a zero balance in my savings account. On the bright side, the huge amount of debt - consequence of those bad decisions will be payed off next month! 🥳 It's never too late to start saving like there's no tomorrow, and I'm really REALLY excited and motivated. Oh and Graham, fyi my emergency fund is also a done deal! by *850financial assessment* lol, i didn't made it myself

[@scakvso]

Hope everything is good with you buddy wish you the best and that you are doing so much better now, I also made terrible life decisions so now Im at my 30s and finally close to have a zero balance finally

[@aaZhan]

This video was very informative! It really helped me to understand how Credit Score works. Thank you very much!

[@teatimewithdre]

This was the best video i've seen. Thanks Graham

[@scoop9722]

Your life is admirable and your videos full of energy and always helpful!!

[@dim2035]

Love your energy!

[@thekid3770]

Graham these scam comments are just getting upsetting.. that’s ab all we see anymore

[@thekid3770]

@@trendyvibez7354 this is exactly what I’m talking about🤦🏼‍♂️

[@user-tm7iw5kx6y]

Love the advice about inquiries

[@veronetaylor3423]

This was very good n very helpful thanks alot Graham for the information

[@andrewcarlin1775]

I got the discover it secured card a few years ago for $400 because of you. My score was 520, now I have a score of 720+ with my discover and Apple Card both at $1500 limits. Thanks Graham!

[@luissilverio2618]

Graham you are the best. Keep informing us on your epic life!!

[@lionelmuskwe]

Thank you Steph, this was amazing

[@mg8510]

Sharing this with my kids now, wish I had this ino 45 years ago, thanks!

[@sheelawells1004]

Ok, so now I'm confused, you say you need more credit so your credit utilization can decrease.. but in order for you to get more credit or credit cards you have to apply which is going to pull a hard inquiry so how do you accomplish this feat

[@AngelicaSantos-zk4zu]

He said it only affects your score for 12 months and the hard inquiry falls off after two years. So it only is a short term sacrifice to get higher credit later for when you may need it. A future home loan or car loan.

[@Truckdriverguy]

Thank you for the advice Graham

[@Jrut112-wg6ck]

Great video, direct and to the point with actual real and true information. Thank you!

[@CoenT-jj4cg]

I’m only 15 but I want to set myself up good financially

[@thaliaramos4997]

Nice

[@user-xn4yu5rn9q]

I’m 5

[@zellexz1145]

I'm 0

[@Jr-cc2kb]

You have time. In the meantime, spend it doing research.

[@maravish2070]

I’m 5 and have a 750 credit score

[@dare2win215]

Darn it! Why did I not see this years ago! A lot of this was learned the hard way, but still some great lessons.

[@sadcowboyheehaw1763]

Wow man this guy really knows his stuff! Stumbled across the video and holy crap it makes so much sense ! Thanks

[@euge.sosa.b]

Thank you for pointing out the ridiculousness of the system

[@BeccaGarner05]

I followed your advice, now one year later I went from around 650 to having over 800. Thank you :)

[@Salmon.seraphim]

Cap 😭

[@kazi1]

Congrats

[@Tu_Padre31]

@@Salmon.seraphim 🤣🤣🤣

[@DavidsonHangOfficial]

Great advice, good looks!

[@ginamoody5105]

Thank you for sharing your knowledge!!

[@paulxt3186]

HOW IS THE COMMENT SECTION FILLED WITH SO MANY DAMN BOTS

[@The_Dragon89]

I have a question, I’m 18 and want to apply for a credit card. My question is: would my credit score decrease if there is a vacancy in utilization of my credit card, like if I don’t use it for several months would my score go down? Or should I use it here and there to maintain/build it?

[@kazi1]

It would stay the same

[@The_Dragon89]

@@kamilsultan1637 yea, I tried applying for chase freedom card, but I got declined. Is it because I reported as self-employed, or my income reported is too low, or maybe I heard because my account isn’t active enough or my credit score is already too low?

[@The_Dragon89]

@@kamilsultan1637 I didn’t know about the reconsideration line, but will definitely look into it. They said they will email me reasons why I was rejected, also would you recommend I get a student discover card instead to build up the credit history?

[@joshuastewart1100]

Good info thanks. Been looking for ways to grow my credit.

[@josesantiago6646]

Thnx, needed to hear it from the pro

[@jit5984]

Am 15 why am I even watching all of these videos😂

[@dumpsterfire6351]

You will be lightyears ahead of your peers! Keep it up

[@santiagoperez2094]

I started my financial education at 16 and still feel like incould done certain things sooner..

[@blakekruz]

cause you’re smart lol

[@GoldenChild88888]

Love the info!! Thanks for sharing.

[@ValorousDefined]

I love the 1080Ti founders editions mounted on your wall

[@anthonyguerrero1832]

This info is gold. A master class

[@rachmusic9873]

At 19, I’ve always used a debit card. Finally changing things and building a score!

[@dgage1776]

Man, i gotta get ahold of this roy guy. He has so many loyal patrons. What a great guy!

[@robertstreetman8620]

Thank you, Mr. Stephan.

[@jordx147]

just turned 18 and have a 775 credit score, thanks graham!

[@post.cologne]

Thanks for the info buddy! Good stuff

[@violetkatzloves1GodandKing]

Thank you! I always wondered if it helped or hindered our credit scores to utilize credit. Thanks for clarifying. God bless! 🙏🏼😄

[@geesmith3107]

GREAT advice!! Wish I had learned this decades ago. Thanks for sharing this.

[@gammond82]

I'm a mortgage lender. I can honestly say this was an excellent video and I"ll be sending my clients here to get educated to save myself the breath lol. Thanks Graham!

[@robertomendoza9752]

Thanks for all your advice bro it has really helped me

[@AidanShourds]

Ive been slowly building my credit, and i got a 760 recently. Hard work has paid off.

[@selbster1]

Hey Graham! I just checked my credit score and realized I finally broke 800 after following all your advice, Thank you so much!

[@blakelevi5825]

My silence for a long time doesn’t mean that I’ve forgotten you. Thanks so much Sir.

[@busydad1962]

Good advice! Thanks!

[@clynegabrielmelendres7470]

When trying to get late payments removed on an active account, if it cannot be verified by the bureaus, do they remove that late payment and show on time payment for that month, show no information available for that month, or delete that account off the credit report? I want to get my late payment history corrected but not sure how disputing with the credit bureaus affects the active account if they cannot verify the information to be accurate, I wouldn't have been able to take them off if not for the recommendations about *Futureimperative🟡net*

[@roberthall7206]

Thanks for the info. Great instructive video

[@firefoxmetzger9063]

How to get an 800 credit score: Sleep with the system administrator.

[@bigmattthetruckertrucker851]

I’m pretty sure that will leave you with AIDS with no credit score!! Lol

[@agustinsolis3982]

Omg

[@scarterlettroyl8993]

i will like to share my testimony to world hacker LOYD just help me increase my credit score 783ish also help add $6500 on my paypal hack i really appreciate am blessed. you can try your best with he was so honest and happy to help i was told by a friend in austral and he also help me test him [phone]

[@yaboyTYLE]

Cheat code

[@nink1239]

Lol

[@rasheeqahmed1208]

The spamming is powerful with this one.

[@andrewkim2013]

fr, so many bots 😕

[@AllthingsZsa-2727]

I've never seen anything like this before

[@steverodriguez6392]

Lmaooo I finally found a comment

[@internetspectator6051]

the one real comment here

[@chamberlyvandora9594]

Pretty sure someone is mad and they are trying to exploit the youtube system and trick people into scams. Never seen any this much anywhere else. The bot is definitely targeting this youtube channel.

[@LilRedsDecalz]

I've been waiting for this....thank u

[@DRTOutdoors]

Thanks for the video. I think you shared good info for people working on their credit.

[@poured_treasures]

Thanks to you my score jumped fro 760 to 786. On my way to 800 🙌🏻

[@omifunkemccloud3362]

Congrats! I was told by a very reputable financial guru, that 750 credit score is treated the same as 800. Have you heard that before or something different? Now I don't know which is accurate.

[@elijahmay3210]

How did u make it jump?

[@dolly_llamas_tea]

I’ve reached 850. It was a great feeling.

[@kazi1]

Congrats 🍾🎉

[@techwithmanny832]

Thank you Graham!

[@PurposelyyNia]

Thank you, this was so helpful. I highly appreciate you sharing.

[@adrianneporta8032]

I was today years old when I understood this information. Why is this not a high-school class?!?

[@mrjive314159]

Because public school is for conditioning and indoctrination, not education.

[@adrianneporta8032]

@@mrjive314159 I completely agree however I was homeschooled and still did not get this information 🤷🏼‍♀️

[@mattgofaster]

One of the best videos I’ve seen on this topic.

[@maggiecostello7120]

Thank you Graham!😊

[@funlarry4145]

I love the easy breakdown.

[@wraithrunner2355]

Damn him every time he sneaks in the smash that like button thing LOL

[@wyattanderson3102]

Graham's office: ⬛ Graham's kitchen: ▢

[@RGJDragon]

thank you for the video, it was very insightful

[@bamfam9285]

Thank you for the tips. I have been putting them into use.

[@henrycolling4819]

How do you start a credit score and make it good

[@jean-clauded5823]

To get a credit file if you don’t have one at all, all you need to do is apply for credit. The first time you apply, it will usually build a blank file. Now, to get positive credit reported to it, at least initially, consider getting a secured VISA or MasterCard. A bank debit card will usually not report to the credit bureaus because they don’t consider it an actual extension of credit.

[@kimsteed9692]

This should be taught in school for sure.

[@DESIGNS-vo1mt]

Thats right...taught against. Teach kids patience, savings, and minimalism. 99% of people are not using credit to run businesses but to buy crap that could be purchased with cash if they just waited. We could flip the u.s. economy if we stopped making banks rich with interest

[@freefree2021]

no it shouldn't at all!!! 800 is NOT a perfect credit score!!!! 850 is the most credit score you can have.

[@wally4087]

Schools: Mitochondria is the powerhouse of the cell

[@G5ive1]

Ive been saying that for yrs

[@johnwhetstone9158]

I work with high school kids in the restaurant biz. They actually started teaching financial literacy in Texas. There may be hope for this world yet...

[@LiveWireVodou]

Awesome, Graham, tytyty!

[@2fyedarrin]

This man is a genius thanks Dave

[@tiamelancholyjeoncockity]

whys there so much bot comments 🤮🗿

[@captain16crush46]

You are the reason I got my first credit card 💪

[@GrahamStephan]

Awesome!!

[@giftedbigmike1051]

Captain16Crush same

[@nickshane6208]

Discover it card baby!

[@giftedbigmike1051]

Captain16Crush big facts

[@user-oq1nt4pd5u]

very useful and made it simple thanks alot.

[@PoshSlothOG]

I need the help. Thanks Graham .

[@marcosdmedeiros]

it’s actually insane how much knowledge you give out that helps in life lol THANK YOU

[@GrahamStephan]

You got it :)

[@stephonhughley3059]

Facts. He really took this responsibility since no one else is giving the cold hard facts people need. Truly contributing to society.

[@MrThatblueguy]

@@stephonhughley3059 I love Graham's videos, but claiming he's the only one giving these facts is false. There are actually plenty of credit card only focused KZbin's who have had videos dedicated to each of these 5 factores, among other credit specific things. Graham even mentions one of them, the credit shifu, in one of his credit card videos. I forget which credit card it was, I think it was one of chases buisness ink card, but Graham mentions he got a specific credit card after seeing the cards sign up bonuses in one of the credit shifu's videos

[@stephonhughley3059]

MrThatblueguy didn’t mean it literally dude. Yeah there’s some... none as effective as him.

[@Talex1022]

I’m going to rewatch so often!

[@ppartin1103]

Great credit advice. Thanks.

[@KoriAqua]

Thank you for the breakdown. My family has avoided credit in general, so I had no idea where to begin.

[@ErikMillerHLT]

Great breakdown of credit scores!

[@outdoorztime2923]

Very good stuff, young man! Thanks.