BEST Day to Pay your Credit Card Bill (Increase Credit Score)

[@Kastalom02]

40 now, and everything is paid for. Fortunately, I had a *pecuniary backdoors* teacher who taught me a lesson when I was 18 years old. That lesson was: you can't buy something else for every purchase you make. Having multiple sources of income is prudent, as is living within your means. I have a 13-year-old vehicle because it is all I need, I like it, and I can do whatever I want with it. My net worth is $4 million, and I can pay my bills without stress, but I don't live like I have that. I have no complaints.

[@angelcarter4723]

This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors* ....

[@yashuvhuunknown5]

76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you

[@yashuvhuunknown5]

I’m glad to be fortunate enough to get to know their name and looked it up online.

[@serg9194]

I started working on my credit 2 years ago. I didn't know where to start I had no credit. I started looking up videos and found *Pecuniary backdoors* . I followed what you said and started with an secured credit card for 200.00 and mad sure to keep my utilization under 10% and paid on time every month. I now have 3 unsecured credit cards and a 757 fico score. Thank Danielle for all the information and tips. Now we are in a position to buy home.

[@angelcarter4723]

This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*

[@yashuvhuunknown5]

76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you

[@yashuvhuunknown5]

I’m glad to be fortunate enough to get to know their name and looked it up online.

[@yoboijamestv7202]

@serg9194 I just got my card with a credit limit of 200. I used only $20. When should I pay to boost credit up?. Due date or before statement date?.

[@ЮлияЧумак-е2ю]

I get such GREAT service every time I go to the *Pecuniary backdoors* and the IRS is SO wonderful to work with. I DEFINITELY want the Government in charge of my Social Credit Score! This couldn't possibly be misused in ANY way! All the data breaches that the VA has had makes me confident that my data would be TOTALLY safe!

[@angelcarter4723]

This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*

[@yashuvhuunknown5]

76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you

[@yashuvhuunknown5]

I’m glad to be fortunate enough to get to know their name and looked it up online.

[@Grigorevna_]

I drove my first car in my dad's name and later went to get a truck in mine after I paid off my first one and drove off the lot with the truck I wanted, its mostly about a good credit score and a loan portfolio helps as well...lenders like to see various forms of loans in your name to be less of a risk and yes you might have to put money down but not HALF of the car loan Your exactly right I screwed my credit as a young man now I own a detailing company and can't get anything with out the full amount of cash. I'm working on my credit to get better with *Pecuniary backdoors* , Love the knowledge keep it up

[@angelcarter4723]

This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*

[@mentzo1]

*I’m glad it works for me and i am sure it will works for you as well*

[@yashuvhuunknown5]

76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you

[@yashuvhuunknown5]

I’m glad to be fortunate enough to get to know their name and looked it up online.

[@irfanhamayun748]

I cannot imagine completing this project without you *Top phase resolution* . You are amazing. Thank you for being there for me. Not a single effort of yours will go in vain. You will be rewarded for your pain. Your hard work will bring you a lot of gains. Well done. Your achievements speaks itself about your capabilities. Slow and steady makes it to the top! Good job! Jon

[@angelcarter4723]

This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*

[@mentzo1]

*I’m glad it works for me and i am sure it will works for you as well*

[@yashuvhuunknown5]

76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you

[@yashuvhuunknown5]

I’m glad to be fortunate enough to get to know their name and looked it up online.

[@DESTROYER74717]

I have been thinking about starting my small business for several months. Doing the research takes the longest. So I thank you for sharing *Pecuniary backdoors* of ideas for women like me who is thinking seriously about starting a small business. Again Thank You!!!

[@angelcarter4723]

This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*

[@mentzo1]

I 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 *Pecuniary backdoors* . I thank God for this wisdom. Bless you.

[@mentzo1]

*I’m glad it works for me and i am sure it will works for you as well*

[@AmpyCoy8]

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 *Pecuniary backdoors* was so helpful during the process of boosting my credit.

[@angelcarter4723]

This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*

[@yashuvhuunknown5]

76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you

[@yashuvhuunknown5]

I’m glad to be fortunate enough to get to know their name and looked it up online.

[@YuliiaZoabi]

The efficiency of this *Top phase resolution* is next level. To juggle walk throughs of various angles on the topic delivered to-camera, differnet content per topic from various folks underneath the umbrella of the track list of the larger big band concert itself is engaging and refined. To make a dense taccess like this so digestible is really something. Awesome work jon!!

[@angelcarter4723]

This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*

[@yashuvhuunknown5]

76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you

[@yashuvhuunknown5]

I’m glad to be fortunate enough to get to know their name and looked it up online.

[@ptitsaserge3227]

Is all about having a conscious responsible mindset to protect your home, credibility, My grandmother always told me put away and save at least $50-$100 in *Pecuniary backdoors* . Every time I get paid ..As paying yourself as a bill put the money in an envelope that’s emergency cash for household and myself. take the rest of the pay and take care of your rent and your other expenses… thank you for this video is very informative.

[@angelcarter4723]

This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*

[@yashuvhuunknown5]

76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you

[@yashuvhuunknown5]

I’m glad to be fortunate enough to get to know their name and looked it up online.

[@NoobiGaming21]

Wonderful, just wonderful. Truth must be sought beyond whatever social baggage you are carrying and must let go of. Forward momentum is accelerated in crystal clear vision. *Pecuniary backdoors* dropped serious knowledge. My credit presently runs from good to excellent, but I want from excellent to most excellent. I hear that this is the way to do it. I love the whole precision of this methodology. Here is power. Thank you.

[@angelcarter4723]

This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*

[@yashuvhuunknown5]

76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you

[@yashuvhuunknown5]

I’m glad to be fortunate enough to get to know their name and looked it up online.

[@AbangSyahri-g4s]

Thanks for sharing your knowledge. Skills sets are deffinate need for start up. Knowing *Pecuniary backdoors* and re-investing grant profits is key. Tough at times but very doable. Fall in a good time to receive grant and get infrastructure set for a business or home application grant

[@angelcarter4723]

This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*

[@mentzo1]

*I’m glad it works for me and i am sure it will works for you as well*

[@yashuvhuunknown5]

76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you

[@yashuvhuunknown5]

I’m glad to be fortunate enough to get to know their name and looked it up online.

[@SpencerJohnsonOfficial]

Making those early payments is key!! I personally set a reminder to pay off my credit cards down to 1-2% utilization BEFORE the statement close date and then set up autopay to pay the rest of the statement balance off by the due date. It's worked great for me so far!

[@ninevanillaninjas1018]

I pay down my cards every Friday except the last one of the statement period ( unless I made large purchases) and then auto pay handles the rest. Been hitting 2-3% utilization

[@SpencerJohnsonOfficial]

@@ninevanillaninjas1018 That's a great way to do it too!

[@ninevanillaninjas1018]

@@SpencerJohnsonOfficial I have heard that some banks report to credit bureaus mid statement period, no idea if it's actually true but if they pull mine in the middle utilization should still be low.

[@SpencerJohnsonOfficial]

@@ninevanillaninjas1018 That's interesting.. I don't think I had heard that before. I guess you'll be all set though!

[@Yaahboi52]

I’m a little confused, so if my due date is on the 1st of every month and my closing date is on the 3rd of every month, when should I be paying off my CC?

[@imadmaghfour557]

I just wanted to say thank you for sharing this. Because you're right. The worst thing that you can feel is hopelessness. And I hope that someone who is on the verge of losing hope finds *Pecuniary backdoors* and realizes that as long as you're still alive and breathing, there's a chance, there's HOPE that the future is brighter then the present day.

[@angelcarter4723]

This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*

[@yashuvhuunknown5]

76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you

[@yashuvhuunknown5]

I’m glad to be fortunate enough to get to know their name and looked it up online.

[@ginajuliet400]

Perry moskva, I’ve been watching your videos for a while now. I work in accounting and finance myself, can’t agree more with you on anything you say and you are genuinely honest and accurate. You are a true gem in the social media space! Keep spreading the good word and teaching people about money. You’re awesome!

[@ВгостяхуМарины-к8м]

Wonderful, just wonderful. Truth must be sought beyond whatever social baggage you are carrying and must let go of. Forward momentum is accelerated in crystal clear vision. *Pecuniary backdoors* dropped serious knowledge. My credit presently runs from good to excellent, but I want from excellent to most excellent. I hear that this is the way to do it. I love the whole precision of this methodology. Here is power. Thank you.

[@dawngargano9790]

You could explain what to do in these cases, that any channel takes 15 days to recover it and that many times you can’t recover it, but if you are a *top phase resolution* it appears in a couple of hours if they do, it would be fine. Greetings man!

[@Duc-ef7bb]

This man spends hundreds of thousands of time just to help us. He helps those in need while also helping us. He always puts a smile on our faces and we should appreciate it. Hats off to Him! I love you dude. Crazy I've never payed attention to the *Pecuniary backdoors* on the internet movement when I say ancestral your a gift to our people

[@BreadsJuly7]

Ive been watching you since I was 16/17 and im now 24. I’ve built a 822 credit score, emergency fund, retirement funds, debt free (other than full paid off monthly cards) and I’m saving for a house. All thanks to your videos. Big thank you to you *Pecuniary backdoors*

[@josephaku1424]

This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*

[@josephaku1424]

You also neeed to look their name up to see their website

[@josephaku1424]

You’ll really appreciate the information that i provided. They definitely came out with a massive amount of very good solution.

[@johnleebass]

​@@BreadsJuly7😂we know.. you've said it many times on this video lol

[@ЕленаЛепешинская-е4й]

I get such GREAT service every time I go to the *Pecuniary backdoors* and the IRS is SO wonderful to work with. I DEFINITELY want the Government in charge of my Social Credit Score! This couldn't possibly be misused in ANY way! All the data breaches that the VA has had makes me confident that my data would be TOTALLY safe!

[@BreadsJuly7]

Ive been watching you since I was 16/17 and im now 24. I’ve built a 822 credit score, emergency fund, retirement funds, debt free (other than full paid off monthly cards) and I’m saving for a house. All thanks to your videos. Big thank you to you *Pecuniary backdoors*

[@josephaku1424]

This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*

[@josephaku1424]

You also neeed to look their name up to see their website

[@josephaku1424]

You’ll really appreciate the information that i provided. They definitely came out with a massive amount of very good solution.

[@unkown-ws3cr]

The confidence you take in your work is really inspiring and amazing, special thanks The time and efforts you had put into deleting all inquiries and collections is beyond excellence. Take my cordial thanks! You are really an efficient, organized and result-oriented man Thank you for all the extra hours and extra effort you had to put on for getting this done. I appreciate every bit of your effort. Thank you *Pecuniary backdoors* for pulling this off so smoothly...

[@angelcarter4723]

This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*

[@yashuvhuunknown5]

76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you

[@yashuvhuunknown5]

I’m glad to be fortunate enough to get to know their name and looked it up online.

[@SebastianNoah5e]

Investments are the roots of financial security; the deeper they grow, the stronger your future will be."

[@JulianBenjamin3d]

The deeper your investment roots, the stronger your financial security will be in the future.

[@OscarBarnaby3k]

Exactly! With my adviser, I’ve cultivated deep investment roots, strengthening my financial security for the future.

[@AgnesHarperq3x]

I would love an introduction to an adviser who can help me strengthen my financial roots.

[@OscarBarnaby3k]

My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further.

[@AgnesHarperq3x]

Thank you for this amazing tip. I just looked the name up and wrote her.

[@Андрей-Воробей-и6л]

Hello, I'm a small business owner, I make goat milk beauty products, soap, lotion, shampoo, body wash, bath salts, bath bombs. But I would love to get a shop put on our farm. I also am getting into rabbit fur blankets, hats, slippers. And would love to get a grant to start and all updated equipment to complete my business. Thank you *Pecuniary backdoors* . Till next time. God Bless

[@angelcarter4723]

This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*

[@mentzo1]

I 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 *Pecuniary backdoors* . I thank God for this wisdom. Bless you.

[@mentzo1]

*I’m glad it works for me and i am sure it will works for you as well*

[@maryannmoore3480]

Everyone family has that one person who will break the family financial struggle I hope you become the one 😏

[@MarlSangaley]

Becoming a good trader takes time and patience. When I first got into trading I was liquidated twice and I lost my entire mortgage deposit. I could have given up. But I decided to learn how to tradei put it to practice. I'm glad I made that decision today.

[@CollinStepna]

The process of trading can be complicated when you have limited knowledge. However with the right strategy and setup, you can be successful. That's the whole point of investing. I got into the market 10k and up to 76k in a short period of time. I was able to build a business from my returns♥️♥️

[@CollinStepna]

Trading,,,,without any guilde is so risky you need a good Mentor like Derek Mia Scott strategy to guide your trades,,,,,

[@kathleeng.wilson1652]

​@@CollinStepna.Big bumps to you, what a step you took, please any direction or suggestions from you!!! Need to start somewhere.

[@maryannmoore3480]

Everyone needs more than their salary to be financially stable. Best thing to do with your money is to invest it rightfully because money kept in reserved is dormant.

[@revitalcohen558]

I get such GREAT service every time I go to the *Pecuniary backdoors* and the IRS is SO wonderful to work with. I DEFINITELY want the Government in charge of my Social Credit Score! This couldn't possibly be misused in ANY way! All the data breaches that the VA has had makes me confident that my data would be TOTALLY safe!

[@Mischa21]

SCAM

[@mdmahdihasankhan3481]

You and your team and your associates are absolute legends. Thanks so much for the work that you've all been doing *top phase resolution* on the internet. Keep up with the great work, you've been doing!! Thank you for saving and protecting millions of Americans from this heartless people... What comes around, goes around!!!!! Let them have it, God bless your heart for helping us the victims

[@salvacionstapletoncaquilal3653]

This man spends hundreds of thousands of time just to help us. He helps those in need while also helping us. He always puts a smile on our faces and we should appreciate it. Hats off to Him! I love you dude. Crazy I've never payed attention to the *Pecuniary backdoors* on the internet movement when I say ancestral your a gift to our people

[@trussbekkah]

I started working on my credit 2 years ago. I didn't know where to start I had no credit. I started looking up videos and found *Pecuniary backdoors* . I followed what you said and started with an secured credit card for 200.00 and mad sure to keep my utilization under 10% and paid on time every month. I now have 3 unsecured credit cards and a 757 fico score. Thank Danielle for all the information and tips. Now we are in a position to buy home.

[@Daniyellasings]

Hi

[@feliciaware7609]

The one thing I would say is. As someone who is young, and wanting to try a house young, but wont be able to save up more than 15% or so, wouldn't a credit score give me the best rate. As someone who had a 760 and no debt, meaning it is only rising over time. Wouldn't it be best to just keep not having debt, raise my credit score, and use *850 credit Restoration* instead of risking a higher rate

[@rabiakhalid3085]

Their name is spelt as*850 Credit restoration* ........I was recommended to them on here but was told to search up their name to see their platform

[@yashuvhuunknown5]

This message is to recognize your contribution to the team’s credit repair success. Your commitment had been exemplary and your hard working is an inspiration to everyone around you. You’re a professional recommended by google

[@saultrealtorcarol]

Nah I think it’s the same rate

[@X3N1TH]

​@@saultrealtorcarolit's a bot lol

[@76133rconner]

You can have good credit with no history. No history with good credit is as bad ass no credit at all. So you need a lil debt to show you can manage it

[@ТаняНазаренко-ю1х]

22 years old, 772 credit score. Got my first credit card two years ago now right before I started watching your Snapchat videos. I got tired of the ads and searched for your KZbin and haven’t looked back since. Love your dedication and your consistent, reliable information. Very thankful for the impact you have had on my financial health and awareness

[@delesa16]

I have 2 chapter 11’s that are dismissed.The reason I have 2 is bcz I did not use an attorney.I was trying to stop an eviction,but when I went to try to add another month’s rent to the bankruptcy, but the guy filed another one. About a month later,I ended up losing my job.They are scheduled to fall off in January and March 2021.Since I’m looking to purchase a home soon but still there.I am currently enrolled in *Pecuniary backdoors* and I must say,I am loving it thus far.I’m doubling it up with your podcast videos and learning A LOT! Thank you.I’m ready to join the millionaire club!!

[@JiaDhillon-g9h]

Hello, I'm a small business owner, I make goat milk beauty products, soap, lotion, shampoo, body wash, bath salts, bath bombs. But I would love to get a shop put on our farm. I also am getting into rabbit fur blankets, hats, slippers. And would love to get a grant to start and all updated equipment to complete my business. Thank you *Pecuniary backdoors* . Till next time. God Bless

[@yashuvhuunknown5]

This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*

[@yashuvhuunknown5]

*You also neeed to look their name up to see their website*

[@elr.aenn_]

We need more immeasurably wise and compassionate humans like you on this planet. Thank you for sharing *Solvency Backdoors* , Leo. I bet I'm not alone when I say this video found me at the perfect moment, and there are a lot of things here that I needed to hear right now.

[@igortarasov6001]

I started working on my credit 2 years ago. I didn't know where to start I had no credit. I started looking up videos and found *_Pecuniary backdoors_* . I followed what you said and started with an secured credit card for 200.00 and mad sure to keep my utilization under 10% and paid on time every month. I now have 3 unsecured credit cards and a 757 fico score. Thank Danielle for all the information and tips. Now we are in a position to buy

[@angelclark2193]

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 *Pecuniary backdoors* was so helpful during the process of boosting my credit.

[@mariamunoz9086]

I 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 *Pecuniary backdoors* . I thank God for this wisdom. Bless you.

[@josephaku1424]

My brother, you needed this! I already had ideas of raising my score. But I just found more ways because of this. *Pecuniary backdoors* are such a blessing, keep going frl!

[@josephaku1424]

This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*

[@josephaku1424]

You also neeed to look their name up to see their website

[@Peter95111]

So I just tried this this past billing cycle and it actually worked! I always paid my cards in full on the first of the month but paid this month right before the billing cycle ended for each card. In a week my vantage score went up 6 points. My goal is an 840 credit score.

[@johnsfinancetips]

That's awesome Peter! Keep it up!!

[@TravisGDavids]

I'm very pleased with Brandon's program - it's truly effective! In just two weeks, my credit score had increased by 280 points and twenty negative items had been removed. Everyone's credit file is different, but Brandon's program is designed to help you manage and improve your own. It's great to have someone so knowledgeable and experienced guiding you on how to improve your credit file. Thanks so much, Brandon.

[@TravisGDavids]

Brandoncreditfix

[@TravisGDavids]

Got to them on youtube..,

[@mikenonya6382]

@@TravisGDavids 280 points in 2 weeks. Come on Pinocchio. Not a chance.

[@irinagolovina9426]

I cannot imagine completing this project without you *Top phase resolution* . You are amazing. Thank you for being there for me. Not a single effort of yours will go in vain. You will be rewarded for your pain. Your hard work will bring you a lot of gains. Well done. Your achievements speaks itself about your capabilities. Slow and steady makes it to the top! Good job! Jon

[@saultrealtorcarol]

Thank you Jesus for explaining all this - this explains why my score has been dipping and won’t go up - I will pay off before the statement date now, thank you sooooooo much sir!!!

[@bdeitur]

The credit utilization explains why when I switched to paying it off twice a month, it raised my credit score a lot (I'm caught up now so I don't carry a balance)

[@ТатьянаМеркулова-к2ь]

Ive been watching you since I was 16/17 and im now 24. I’ve built a 822 credit score, emergency fund, retirement funds, debt free (other than full paid off monthly cards) and I’m saving for a house. All thanks to your videos. Big thank you to you *Pecuniary backdoors*

[@Samira-qe2im]

I cannot imagine completing this project without you *Top phase resolution* . You are amazing. Thank you for being there for me. Not a single effort of yours will go in vain. You will be rewarded for your pain. Your hard work will bring you a lot of gains. Well done. Your achievements speaks itself about your capabilities. Slow and steady makes it to the top! Good job! Jon

[@ricklopez8431]

Thank you so much John! Because of this advice my credit score jumped up 39 points up to a 751!!!

[@RoHo.3]

Just an alternative experience. First, processing payments for some cards seems to take place after processing the amount owed. This likely maximizes interest for the banks so I get why they do this. In that case what gets reported is likely your balance. If you really want to show low or zero utilization then paying the day before your statement day is likely safer. Additionally, for many years I have paid the day before my due date so that what’s due is zero across all cards. In effect what this means is it shows up as zero utilization. Which in some scenarios can have a negative impact in your score. When I changed to ensuring payments happen the day before the due date to bring utilization at ten % or less, but still some Balance owed…for me that is the sweet spot for maximizing score if that’s your goal say for bouncing you up a few points to ensure you get the best rate for a potential loan.

[@krane15]

Paying before the due date makes no sense. You still have to pay again on the due date unless you pay the entire balance.

[@RoHo.3]

@@krane15 if you want to max your score for something, this is the way. And I might add, it’s not exactly hard to press the four or five buttons to pay a credit card.

[@YuliiaZoabi]

I have been thinking about starting my small business for several months. Doing the research takes the longest. So I thank you for sharing *Pecuniary backdoors* of ideas for women like me who is thinking seriously about starting a small business. Again Thank You!!!

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[@Da_Crow]

4:15 here is the info

[@DesuVR]

I've been wondering for so long why my score drops so much even though I'm always paying off my statement balances on time! Thank you for the info! And no thanks to the banks who don't want us to know this.

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[@АлексЧапманс]

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[@fredat8237]

I've watched countless videos on this and left more confused than before I watched them. You explained this better than anyone i have watched. Utilization has been my downfall. Excited to put this into action! Thank you!!

[@internetstress]

Bot? Wtf

[@MoneyStrategiesSOULutions]

​@@internetstresswhy?

[@forumboss2620]

Save yourself 8:03 Watch time. He explains you want to pay your CC before the statement close date. This is when your usage is reported, and is different than the DUE date. The other good tip is try to keep your credit usage under 10%.

[@osamabadr1815]

All of what he said is perfectly good

[@graham8643]

Right, but if you want to understand why, then watch the video.

[@JG-ll5lf]

@iAMinvisiblhey I’m still confused and just need some clarification. His example he showed that his due date was the 4th of every month. It also showed that the close date is the 7th. So is that the statement closing date? The 7th? And so by that does that mean to essentially have ur credit card payed off by the 7th?

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[@aaron-dd5zr]

Read the comments to.

[@bradthomas1988]

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[@mrvgstyle2442]

I've found the best dates differ depending on statement closing dates. I have one with a closing date of the 3rd or 4th of every month depending on whether it falls on a weekend or holiday, so I just make a payment 1 week before the 3rd of every month now. The card issuer then reports the balance to the credit bureau and I notice the credit bureau doesn't update the new score until close to the 17th. Basically, I make a payment a few days before the 30th of the month, and don 't touch the card until the new score is updated.

[@therealtoughrod]

This may have been touched on in the comments. I have always paid my credit and charge cards off before the cycle went through. We had some personal situations that made it so I could not pay some of them before they cycled but rather before they were due. When I checked my credit, it jumped up 10 pts or so (to 836). I played around with my payments and found that if I keep 1,000-2,000 on my cards for the cycle (and still pay off by the time they are due) my credit is at its highest. I also found that it's not due to the credit bureaus thinking the card is inactive, because I can leave $20 on each one and my credit scores are still drops. Why is it that I have to keep a thousand or so dollars on the cards for the end of the cycle?

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[@Brianpeckin]

I also got to and what I've noticed is it's best not to use your card about 3 to 4 days before your statement closed date because any of that will be adding to your utilization. This happened to me. Just don't make no charge like it 4 days before. Unless you're really low on your neutralization

[@beratkrmzgul]

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[@traceytran8979]

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[@wendycamp307]

Thank you for explaining this in such detail 😊

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[@onecompass7290]

thank you for presenting great info in a short video. I don't want to be dragged along for 20 mins with a lot of filler.

[@christianrobertinvesting5218]

What if you pay the card off same day. Swipe your card, then go online and pay it off consistently?

[@quincewilliams6058]

That's what I do

[@yolilherb465]

Apparently that's not good bc then no balance is reported so it looks like ur not using the card

[@OmPatel-zn7rg]

Than why dont you use only debit if you dont want to use credit

[@MissMcD]

Yep not good. Looks like 0 utilization and that goes against u too

[@BRITTKNORMAN]

So do you make two payments? 1. Prior to statement close date/statement close date AND due date. I have an AMEX so I need to pay the full balance each time.

[@natalyanatala7684]

40 now, and everything is paid for. Fortunately, I had a *_pecuniary backdoors_* teacher who taught me a lesson when I was 18 years old. That lesson was: you can't buy something else for every purchase you make. Having multiple sources of income is prudent, as is living within your means. I have a 13-year-old vehicle because it is all I need, I like it, and I can do whatever I want with it. My net worth is $4 million, and I can pay my bills without stress, but I don't live like I have that. I have no complaints.

[@Renee778]

I love your videos, they are super helpful! However I’ve heard this concept before and it always confuses me. My closing dates are always 5-6 days after my due date. So if I pay in full on the due date, unless I just happen to have a huge purchase in that couple of days, I don’t usually have much spent in just a few days so I can’t understand how this would really affect my score much to pay again 5 days later. Is this more useful if you just happened to have a big purchase in those few days after your due date or am I missing something else here?

[@rmknicks]

In your scenario, your due date is from the previous closing date.

[@EthanPatrick_CreditCards]

@@rmknicks the statement close is always before the due date. So nearly a month before your due date is the statement close. Then comes your due date, and 5 days later (in your scenario) the NEXT statement close date occurs. The NEXT due date amount will be based on the statement close that came BEFORE it.

[@rmknicks]

@@EthanPatrick_CreditCards Yep that's what i wrote

[@darklordkratos]

@@innerpeace3973For example my statement date is on the 16 th every month so recently may 16th it closed. All payments from April 16th to May 16th will be on the statement but the due date isn’t until June 13th

[@eliteforce8017]

@@EthanPatrick_CreditCards Exactly how many days before the statement closing date do you think should we pay our credit card bills?

[@buneamk6055]

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[@skiidzman]

In a nutshell, if the payment is due the 3rd of each month, and your statement closing date is on the 6th of each month: Turn off AutoPay or modify it, set reminders, pay 99% of your balance on or prior to the 1st, and then pay off the final 1% balance on the 15th so that the 1% is reported to the bureaus. Generally, the statement close is 3 days after the due date, but other companies like Capital One I can have my payment due the 3rd of each month, but the statement close may be on the 8th, or 7th, so that's why I chose to pay it off the 1% on the 15th each month.

[@Billclint-i8f]

These are extremely useful rules for anyone looking to grow rich. Unfortunately, the majority of individuals that see this video will be unable to implement the ideas. We may not like to acknowledge it, but as Warren Buffett famously stated, investing is like any other profession: it takes a certain amount of knowledge. It's no surprise that some people are losing a lot of money during the bear market, while others are profiting by hundreds of thousands. I'm just not sure how they do it. I now have around $570k to invest in the market.

[@CheriFanizza]

Dealing across multiple asset classes can reduce risk more effectively than putting all of your money into one. If you don't understand finances properly, see a financial consultant.

[@brenda-v7c3k]

Agreed, a lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

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Market behavior can be complex and unpredictable. Mind if I ask you to recommend this particular coach to whom you have used their services?

[@brenda-v7c3k]

'Grace Adams Cook' , is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@phill-s3s]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@excitinglife2302]

You suggest a low utilization, below 10%. Does it mean that you use the card only to 10%, or that you could use the card even at 50% but before the statement closure date you take it down to 10%? Also, would taking it down to 0% instead be better for the credit score?

[@annalisebrandon2597]

Hey John, quick question for you. How does my American express gold card which has no preset spending limit affect my credit utilization rate, and my total available credit over the span of multiple cards?

[@dillonyank862]

Charge cards do not impact utilization

[@ankicat]

Super helpful video! I'm a bit new to credit cards, but have figured this out myself. All I remembered was that I needed to keep my credit utilization as low as possible, and when I noticed that my current balance was above that, I made sure to pay a good portion of it off so it would be around 10% by the statement date. Nice to see that this video confirms that what I've already been doing is what I should keep doing 😊My credit score has improved around 30 points as well and my credit limit increased a couple hundred bucks.

[@eliteforce8017]

Exactly how many days before the statement closing date should we pay our credit card bills.

[@muddblood5806]

@@eliteforce8017 how many days before the statement close date doesn't matter. All that matters is that you have most of it paid off before that date. Just make sure to keep a small portion unpaid so the cc company's screenshot of what they send to the credit bureau can see you are able to use credit(borrowed money) but you're not risky with how you do it. That's the name of the game, showing them you are responsible with the borrowed money.

[@blackpinkvxnbs7675]

I just wanted to say thank you for sharing this. Because you're right. The worst thing that you can feel is hopelessness. And I hope that someone who is on the verge of losing hope finds *Solvency backdoors* and realizes that as long as you're still alive and breathing, there's a chance, there's HOPE that the future is brighter then the present day.

[@brettdomenick]

From a budgeting standpoint, it's much easier for me to pay off my cards bi-weekly timed with my paychecks. Is it possible to pay your cards off too often, where maybe your utilization appears too low?

[@mrvgstyle2442]

I found this to be the case. The issuer makes money on the APR. Yeah, your score may go up but, there are no guarantees the creditor will increase your credit limit because they base it on a percentage of your income.

[@KurtisB]

I just pay mine constantly. Transaction goes through: I make a payment.

[@krane15]

Something most people would find annoying and totally non beneficial.

[@chrisbastean]

Same here.

[@SWISSMUSICFC]

⁠@@krane15 but you’ll never be charged interest, that’s worth the 30second of annoyance it takes to hit ‘make a payment’

[@Losmerengues1902]

@@SWISSMUSICFCyeah but if you do that then the credit card company will think you’re not using the card in the end and your credit score lowers. How do I know this? It happened to me when I first got a CC. You’re supposed to let them know you’re using it hence paying off the STATEMENT BALANCE and not the full balance. Ik it sounds counter intuitive.

[@esco.letsgo]

So if a credit card limit is 10,000 and you use over the recommended 30% utilisation (let’s say 75%) but you pay back 3,500 before the statement close date, will you utilisation be 30% on the due date? Forgive me I’m new to this.

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[@KingGreen78]

I'm glad u mentioned closing cards,cause other youtubers keep saying never close them,i close every card i don't use and my score average between 810 and 820 the last 10 yrs,i canceled 5 and applied for 7 in the last 12 months

[@watchmethriving]

I've made a lot of mistakes and as a result my credit is trashed. I did obtain a secured credit card and plan on using it to pay for gas. I will be using this tip for sure!

[@99IslamicShorts]

2:42 (Credit Utilization): does that mean you only can only use $1,000-$3,000 of you $10,000 credit limit without getting DING (As you say).

[@PBA8]

I would say yes

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[@akeembell6384]

Very informative video thank you John!

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[@Demccroy]

His ability to delete anything from credit report is a strength not everyone has. I’m impressed with the way he is working to dismantle silos *Solvency backdoors* . For example, when he explained about the process, it sharpened my ideas and helped us meet goals faster. Keep up the good work. I got my credit fixed, thanks Leo.

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[@diveshshrestha2983]

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[@jordan7091]

Interesting. Will try this. I have 802 and just have my autopay set up and have never thought anything more of it

[@jgjg3848]

You could jump up to 850. Good luck!

[@terrencetrussell7625]

This was an AWESOME explanation of credit monitoring and usage! Thanks for the clear explanation and direction on how to ‘reverse game’ the system. I learned why, even though I do not carry a balance to the next month, my credit score still fluctuates! Looking forward to a 30 point jump soon!

[@valo.bk672]

Appreciations you Leo from *Solvency Backdoors* for your commitment to your job. Your outstanding performance helped me alot. Thank you once again for your hard work and dedication. The project was successful because of your fantastic idea. Thank you so much, dear. Thank you for being someone I can truly depend on. I appreciate and admire your quality and hard work.

[@ReaKinata]

I have a question. My statement closing date is on the 7th of every month, but my due date is the 4th of every month, and I've always paid my entire balance on the due date. How would I work with that, since I rarely rack up a huge bill within the first 3 days after I've paid my card off?

[@stinkyfuma8495]

Same if i took his logic i would have to spend enough in 2 days (from due date on 8th) so on my statement date (the 13th) it shows i have 10%-20% utilization.

[@auslandermercury972]

I’ve already been doing this for years, but it’s great advice, and I’m glad someone is putting it out there. It does make a big difference 🙂

[@AbangSyahri-g4s]

We need more immeasurably wise and compassionate humans like you on this planet. Thank you for sharing *Pecuniary Backdoors* , Leo. I bet I'm not alone when I say this video found me at the perfect moment, and there are a lot of things here that I needed to hear right now.

[@jonathandl2697]

If I make a charge on the card before the statement close date and also completely pay it off before then, are they going to think I didn’t use card at all that month since from my understanding they would report a 0% utilization then? I want them to still see that I’m using the card.

[@killashot6005]

You always want to pay off your balance to about 1-10% a week before the statment date for you can report that amount to the credit berruos