These credit builders will help you get approved for a home!

[@gleetchie8652]

If u self correctly it works amazing I have $800 credit card and did 2 loan installment terms I started at 470 now I’m at 650 only using self

[@culpforarkansas_RocketLeague]

how long did it take for that to happen?

[@vanevaz331]

How you do it? Can you give us the step by step please 🙏

[@luvluvtruckingl.l.c.4478]

@@culpforarkansas_RocketLeague l😢 fu

[@hectormorales4663]

Facts

[@benyosep5640]

How you get two loans with Self?

[@ebonynsweet]

Brigit was sued by the FTC and settled for 18 million dollars back in Nov. 2023.

[@kichellwilliams1475]

Self does let you make Manuel payments , at times I have to do it. My year is up next month and without the Manuel payment I would’ve had bad reports but I’m honored to say I’m checking out with on time payment for 12 months and my score boosted up by 154💪🏽

[@KelvinMcNeil]

Yeah, I was glad to hear that they added that feature recently. Congratulations on making it a full 12 months and it’s awesome to see your scores went up 154 points. That’s major!

[@varianmiller3976]

Just curious. My last payment is next month on the 22nd. Should I pay the last $48 and cash out now? Or would that hurt me or my score?

[@KelvinMcNeil]

@@varianmiller3976 just make your payment on time during the designated billing period. You signed up to build credit by making consecutive payments. Waiting a few more weeks to show 12 (or 24) consecutive monthly payments wont hurt.

[@lamartsunami777]

I’ve only used Self for 4 months and have gone up 81 points so far

[@BuildingLegends_]

Self is some bs

[@kiamarsh76]

Great info. Just want to inform you that I’m currently a Self member and you are able to pay on your own. They charge an additional fee for that of course. I chose that option as I don’t like the automated withdrawals and I be sure to set reminders on my phone to ensure the funds and me paying it is on time.

[@KelvinMcNeil]

I didn’t know they added this option. Thanks for sharing!

[@KelvinMcNeil]

Even though there’s an additional fee, I do feel this is a great gesture on their part, because I think they understand too many people will do better with manual payments. At least this shows that they are genuinely in the business of helping people improve their credit.

[@Tasteprettyllc]

Which company are you a member with?

[@ashleytedder2112]

Kelvin, thank you so much for doing what you are led to do for us all. Every morning I try to get up early and have my God time and then I come over here and learn. This is self paced learning and it is so helpful. My family and I have been through so much and this year we will accomplish one of our biggest goals! 🙌🏾 claiming it! Just wanted to stop and say that you are a blessing to us all.

[@KelvinMcNeil]

Hey Ashley!! 👋🏾👋🏾 You’re welcome. Thanks for watching! Yes, I KNOW you’re going to accomplish every goal because you’re putting God first and he’ll never forsake you. 🙏🏾💯

[@kierstengreen5043]

I’m in agreement with you in Jesus name amen 🙏🏾

[@eyeswideshut2800]

No score to 624 now 630 in 6 1/2 weeks or so with Kikoff and Exp Boost. I added Chime because my sister used Chime and sent referral, $100 in our account 1 minute after direct deposit. My ADP income can be designated at whatever percentage to several accounts.. so good

[@user-hu9is8vp9j]

Whats your fico now ? Im in same position

[@countryman6412]

Me too lol its working at 700 now started at 450 a year ago

[@eyeswideshut2800]

@countryman6412 I rarely look at comments but perfect timing, I'm making money so far. I'm almost 700 FICOd across the board but stagnation. Nothing is going to raise it now but time because my credit card game is strong. I got Stellarfi 6 mths in and they report every payment as an increase. So if you pay all your bills or whatever is allowed they report the total mthly. They've technically got the best racket because everything you pay ups your reported balance. I bank with Chase and they gave me my first cards and propelled other offers, they also balance increase as promised. I get my FICO Experian through Boost, Equifax from MyFico and Transunion through Discover.

[@eyeswideshut2800]

@countryman6412 8500 or so in credit cards and 664, 684 and 694 so time now, everything else is very good. I've been 700 but you know it fluctuates so ok so far but I'm aiming for 750 across then onwards...😶‍🌫️

[@eyeswideshut2800]

​@@user-hu9is8vp9jRocking 723 Experian 698 Equifax & 676 Transunion is a hard sell on raising your score.

[@ljtolbert2398]

Self is the ISH... 6 more months to complete the 24 months

[@Africa-for-Africans]

What’s the update on your credit dealing with self?

[@humansparkler]

Do you need 24 months?

[@lindseyhenslee2788]

I've been using self and I've noticed sometimes I don't have that auto payment available cause it's in another account. So what I did was on my manual budget tracker spreadsheet was put my due date 4 days earlier so that I can go in and make the manual payment before it auto drafts.

[@KelvinMcNeil]

That’s an excellent strategy. That’s the mindset of someone with good credit. ❤️‍🔥

[@Nhmauto]

No fluff and a start shooter great work!

[@RoyaltyOnesFamily]

I have Self this is my second time. The first this I did 24 months but took out my money 6 months early the charge me no more then $5. I open an 24 months account 6 months later. I suggest the 24 months it show a long payment history and very beneficial. I haven't did the credit card yet but I'm looking into it.

[@kellymccain902]

Did your score go up?

[@varianmiller3976]

Did they pay you back the full amount and the raise your score ?

[@chrismedina54]

You are a lord of truth, you have my subscription.

[@KelvinMcNeil]

Thanks for subscribing!

[@goodbarmoney6515]

Thxs for this vital information. I just sighed up with Kickoff and put your name down as to how I heard about it. I'm about to sign up for Brigit & Kovo too. Stay blessed. Thxs again!!

[@Africa-for-Africans]

What’s the update on your credit??? How well did it improve?

[@seanrobin6573]

"Thank you Very much for Utilizing this Platform to Educate, Inspire and Motivate

[@KelvinMcNeil]

You’re welcome Sean!

[@Amber-Nailed-It-86]

Wait, so, with Brigit, you have to pay your monthly loan amount payment PLUS a subscription fee??

[@gabeulrickson2496]

Yes

[@jamesaasmaedition3992]

Hey Kelvin, I just came across you today and am so grateful to God for the connection. I believe this is devine. I just came from Africa in October last year and I am very new to the credit system. I DO NOT WANT TO MAKE ANY MISTAKE because I have BIG goals here in the USA. I intend to build my credit score to the highest but I do not have credit. As a result, I just obtained a secure credit from my bank. Please, do I need a credit builder to help me achieve my financial goals? I am given myself 5years commitment. Thank you 🙏

[@KelvinMcNeil]

Hello James. Welcome to America! I wish you the best. You can honestly establish credit in few months and your scorers will get better with time as your open accounts grow older. Yes, I do recommend you to get at least one of these credit builder loans but you don’t need more than one.

[@jamesaasmaedition3992]

@@KelvinMcNeilKelvin, I appreciate your warm welcome and your response to my questions. But which of them would you best recommend, sir? Thank you 🙏

[@KelvinMcNeil]

@@jamesaasmaedition3992 all of them are great. Choose the one that you like the best.

[@busyrand]

Very thorough breakdown Brother...

[@KelvinMcNeil]

Thank you

[@delciawhitaker1893]

⁰​@@KelvinMcNeil

[@eyeswideshut2800]

I did 2 of the Kikoff so mix use and I had no credit score and the accounts showed up like they said on my Experian and I think another but don't quote me. I'll wait for my FICO but my Vantage 3.0 is 613. I'm about to add two other accounts so I have 4 and Kovo was saved but I'm getting a refresher just in case.

[@shaunsmith8780]

@eyeswideshut2800 do you have a score yet?

[@eyeswideshut2800]

@@shaunsmith8780 633 Experian Fico 8, it was 637 but I got a credit card from Chase. Chase has some great offers and Experian Boost is awesomeness. Chase gave me $400 account credit no fees. They then made 4 credit card offers all GOOD UNSECURED card offers. I chose the Slate Edge with 21 mths no APR no annual fee.

[@KrisLRdS]

Thank you so much for breaking it down this actually helps a lot!

[@KelvinMcNeil]

You’re welcome!

[@candancehayes8059]

1st time watching... THOUGHT this would be another CLIFFHANGER video.. listen..THANK YOU for being a great human!!!! new subscriber!

[@KelvinMcNeil]

Thanks for watching & subscribing! Welcome to the family

[@ChrisMuse100]

Awesome vid. Shout out Paris match (the band In that intro song).

[@myciaisha8978]

I make manual payments on self

[@KelvinMcNeil]

Nice. I’ve recently learned that they now allow you to do manual payments.

[@franciscocosme5436]

@Kelvin McNeil I really enjoyed the video 💯💪🏼but I have a question, Can I use multiple credit builder apps at a time?

[@KelvinMcNeil]

Yes you can but you’ll only need 1 credit builder loan (installment account).. maybe 2 MAX if you have no loan history. The others should be revolving credit builders like the ones I mentioned in part 1 of this video seen here 👉🏾kzbin.info/www/bejne/mpClcmV7l86Yrpo

[@RachelMcNeil]

Thank you for all of the great content you put out this year 😊

[@KelvinMcNeil]

You are welcome Rachel! I appreciate you for being a loyal subscriber & supporter. 🙏🏾♥️

[@anthonydexter1001]

Merry Christmas Kelvin, to you and your loved ones! 🎄

[@KelvinMcNeil]

Thank you Anthony! Merry Christmas to you and yours as well!

[@NRenee-sk5sf]

This video was very thorough and informative!

[@KelvinMcNeil]

I’m glad you found my video helpful. Thanks for watching!

[@kendrick4l511]

just got my new car yesterday and i’m really happy i came to youtub also was having problems getting stub and statements but all good since i got introduced to deelscafe

[@dripkidn.y.603]

Hey kevin, thanks foelr all you do for the community, quick question for business credit should you use both nav and ecredible for business credit or just pick one?

[@KelvinMcNeil]

You should use both for sure if you are just starting out.

[@pwhv]

thanks for the advice

[@KivysAptApprovals]

Thank you so much for this great video! I will definitely use these tips along with the documents that I offer to get approved. Please let me know if you would be interested in doing a collaboration.

[@confidentialprivateusa6519]

I like that black wall in the background. What is it made of, and where did you buy the material from.

[@user-yv3mx4fn6h]

Lol sooo off the subject

[@laddcraner4170]

great content

[@quehairbtq5648]

I got so excited when I seen this video title. Just what I was looking for. I have a question 🙋🏽‍♀️ have you ever heard of grain credit ❓if so, What’s your take on it. I’m a bit conflicted.

[@KelvinMcNeil]

Yes, Grain is great. I mentioned it in part 1 of this video where I featured my top revolving accounts. Don’t miss that video 👉🏾 kzbin.info/www/bejne/mpClcmV7l86Yrpo

[@sheberry8597]

Very informative thank you

[@KelvinMcNeil]

You’re welcome!

[@Rastradamus357]

Feature is in SELF APP. AUTOPAY is not mandatory and normally isn't

[@KelvinMcNeil]

Correct. They’ve changed things recently. I was going off of past experiences from years prior to making this video.

[@christinajones7319]

Thank you, so much!

[@KelvinMcNeil]

You’re welcome Christina!

[@melanieblue2]

How many installment loans should you have for building credit? I have a loan through my bank account, and I use AVA loan program

[@KelvinMcNeil]

2 is enough. The rest should be revolving accounts.

[@letsgoviral777]

Thank you!

[@KelvinMcNeil]

You’re welcome!

[@berthulystalbert9112]

Does anyone have Kovo for building card how is it ?

[@bridgeportBoyKobe203]

Thanks bro 💪🏾💪🏾🙏💯

[@killertay1947]

Not gonna lie in less than 7 months from using self builder and kick off ,I went from being in the high 3s to now entering in the 600.... Granted I'm not in any credit det

[@KelvinMcNeil]

💪🏾💪🏾💪🏾

[@PB-qd4yj]

300 to $600!! Damn

[@jamarjohnson2422]

I was waiting for someone to say they use Brigit - was about to sign up but seen that they have a $15/month subscription fee & $1/month credit building option which is more then fine. My understanding that would be obviously $16/month total - HOWEVER, right when I’m about to sign up the fine print confuses saying “you are going to pay $25/month & ultimately $600 over the 24 month loan” which is 100% not what they’re saying originally - what has been your experience? How much have they pulled from you cost wise?

[@amosmiles3609]

Thank you

[@JaylenMcKnight]

if you close your kikoff credit account you can't reopen a new one so that's kind of steep to me

[@SwipaKwSwiping]

make a uk credit video that would be a great video

[@Rastradamus357]

SELF allows you to turn off AUTO PAY FYI

[@user-io9sy5zf1z]

thank you brother

[@KelvinMcNeil]

You’re welcome!

[@anthonyrude]

This is a year old. You still recommend these ?

[@KelvinMcNeil]

Yes I do.

[@Thewitness.]

Would you advise to get all as someone who is opening there first open account?

[@KelvinMcNeil]

No. As mentioned in the video there’s no reason to get all 5 installment accounts. Doing so would be overkill because you need a good credit mix. I would recommend pairing a couple credit builder loans with a couple credit builder cards instead.

[@outwestloud3236]

Thank you

[@KelvinMcNeil]

You’re welcome!

[@ostatebullyzkennel5100]

Is it good to use more than one of these credit-boosting programs

[@KelvinMcNeil]

No more than 2 of these because they’re installment accounts. The rest should be revolving accounts like the ones I featured in part 1 of this video.

[@ostatebullyzkennel5100]

@Kelvin McNeil OK thanks

[@Charlieedwardo]

Thanks fam!

[@KelvinMcNeil]

You’re welcome

[@shawnsbookbabees922]

Thank u so much

[@KelvinMcNeil]

You’re welcome!

[@shawnsbookbabees922]

@@KelvinMcNeil I just sent my info for the free consult on Monday looking forward to fixing this credit of mine! You posted a ton of great resources appreciate it Brah! Have a great nite! Blessings on u and your family🙏🏽💪👍🏽

[@KelvinMcNeil]

@@shawnsbookbabees922 we look forward to helping you reach your credit goals!

[@eyeswideshut2800]

@16:00 I'm glad I came back here, I just transferred 100 into my Kikoff account, let me revolve something.

[@tarinagreen9248]

Would it be beneficial to sign up to ALL the credit building installment accounts

[@KelvinMcNeil]

Signing up for 2 would be great but ALL would be overkill.

[@theziptip8124]

Hey this is great. So does kovo not have an app? Thanks for the info.

[@KelvinMcNeil]

No, it doesn’t but the website is mobile friendly.

[@chrisb3976]

What if you pay off the loan earlier than the loan period?

[@KelvinMcNeil]

@@chrisb3976 that’s not how these are set up. You aren’t borrowing any money. You’re just making payments over a period of time for the purpose of building positive history, which will improve your credit scores.

[@Tasteprettyllc]

I’m just super curious . when you did this video did you start up with the best to one that’s good but not as better as the first one you mentioned? I’m trying to do my research my credit was good and then all of a sudden all of my credit cards decrease my availability balance

[@KelvinMcNeil]

The cards mentioned in this video were in no particular order. They’re all great but I just released a new video where I talk about the two different types of Credit Builder loans too so check that out if you haven’t already 👇🏾 kzbin.info/www/bejne/pJvbY35tqL2bjpY

[@anhelinabodnar1066]

What do you think about EXTRA card ? Appreciate!

[@KelvinMcNeil]

What part 1 of this video to find out lol kzbin.info/www/bejne/mpClcmV7l86Yrpo

[@ljtolbert2398]

I have all 3...Kikoff

[@shaunsmith8780]

Has it been working for you?

[@ljtolbert2398]

@@shaunsmith8780 oh yeah

[@shaunsmith8780]

How long have you had them, and how many points did you go up?

[@ljtolbert2398]

@@shaunsmith8780 fico is 610... So I'm all 88 points

[@ljtolbert2398]

@@shaunsmith8780 I've had self 19 months...kikoff 1yr exactly

[@moneyinthemiddle9736]

Have you ever used Atlas for helping credit?

[@KelvinMcNeil]

No, I haven't.

[@tammygladney6808]

Will adding kovo be great?...even tho I have self and kikoff

[@KelvinMcNeil]

Yes, but I wouldn't recommend anymore than 3 credit builder loans at a time. It's unnecessary.

[@salehdidit]

Great content as always! I think you missed a few, including Ava Finance!

[@KelvinMcNeil]

I made a dedicated video for Ava. It’s my most recent video. Check it out!

[@humansparkler]

Do you have Ava and how is it?

[@ubaldoarodriguez6202]

You didn't mentioned Bright Money Bilder maybe it wasn't available at the time the video was made.

[@KelvinMcNeil]

Yes, Bright money is relatively new.

[@OneFaithFilledLady]

Would self benefit me if I already did it? Also, would these help me if I have 4 cards already? I'm trying to get transunion up it's 580, my other 2 are about 645. My other cards are either $0 balance or under 10%.

[@KelvinMcNeil]

If you currently have 4 open credit card and you have previous installment loans on your credit report.. no this wouldn’t help. It sounds like you need to remove some negative items like collections, charge-offs and late payments.

[@KelvinMcNeil]

If you need help with that, I would love to dispute those accounts for you. Feel free to schedule a free consultation: offer.greenscalecredit.com/freeconsultation

[@ExxoticsClub]

Do you offer one on one assistance? Because I’m slow lol

[@KelvinMcNeil]

Yes, I do. What do you need help with?

[@TheSignOfJonah]

Brigit is not allowed in CT any more lol 😂

[@KelvinMcNeil]

Sorry to hear that

[@shannao1970]

I just started kikoff... If you had to suggest one of the other three which one would it be?

[@Dragunzyg7]

Self is very good

[@humansparkler]

@@Dragunzyg7 Why is self so good? Does it have to be 24 months?

[@stepnationstepnation5837]

Can we get content on credit karma credit builder?

[@KelvinMcNeil]

@@stepnationstepnation5837 yes I may make a video about it since it’s new.

[@goodtymzprogramming5400]

How about credit builder. Is that still available and worth it?

[@goodtymzprogramming5400]

I meant credit strong

[@KelvinMcNeil]

@@goodtymzprogramming5400 yes Credit Strong is good too.

[@eyeswideshut2800]

Off subject but Chase has a new payment plan like zip quadpay, Klarna. It offered me some $400 credit if I want to use their payment plan, I think it was 6 mths and no interest but don't quote me.

[@user-km4gm6kb6s]

How many points does each company gives you? I have self and i just finish making my last payment today, are they gonna close the account and should i open a new credit builder with them so my score doesn't go down. I havent try any of the other ones you mentioned. How many points do all of them give you thats would be good to know.

[@KelvinMcNeil]

There is no set number of points because there are too many factors that decide how and why your credit score changes. The positive payment history is what helps your score. Yes, once you make your last payment, Self will close your account because the credit builder loan will be considered paid in full. If you haven’t already, I would recommend adding the Self Visa secured credit card so that you can continue building credit with Self Inc using the money you’ve saved as your credit limit.

[@user-km4gm6kb6s]

@@KelvinMcNeil Ok thank you so much.

[@sfreedom2007]

Can someone post the link for the video on setting up your children for credit

[@KelvinMcNeil]

kzbin.info/www/bejne/sJaxi4FmfL6gY9E

[@itsokaytostayuppast12am25]

What is revolving credit is self that

[@KelvinMcNeil]

In reference to Self, their revolving credit product is the Self VISA secured credit card.

[@susanstanford1961]

What do you think of the Upgrade card?

[@KelvinMcNeil]

It’s another good option. It just doesn’t have as high reviews as the ones mentioned in this video. 4.6/5 is an honorable mention & still excellent for sure.

[@JulioCesar-db9kz]

Hi Kevin, I have a question: I pay my rent, my phone bill and utilities using my credit card. How can I add this bills to SELF using my credit card? Is there a way or inhale to pay these bills using my bank account ir order to get it reported? Thank you

[@KelvinMcNeil]

If you have the Self Visa card you can make online payments for you bills with it.

[@JulioCesar-db9kz]

@@KelvinMcNeil thank you

[@JulioCesar-db9kz]

@@KelvinMcNeil just an update. I was able to add my capital one checking account on SELF as well my 2 credit cards that I have with them.

[@heidijackson6166]

No longer available in nc

[@KelvinMcNeil]

Which service is no longer available North Carolina?

[@vanevaz331]

Hi Kevin. Thanks for your videos. They’re great. I have one question tho’ the brigt credit services, I heard there was fraudulent activities with Ashton Kutcher. What is your opinion on it? I’d like to hear your personal view on it?

[@KelvinMcNeil]

I haven’t heard about it so I can’t give an opinion on it. What exactly happened so I can look into it?

[@vanevaz331]

@@KelvinMcNeil thanks for replying. Well I don’t know if it’s true but rumors are and this I heard from social media and at a podcast that they were scamming people out of their money. They did that with bitcoin also. Again I don’t know if this true or false but I wonder if you knew about it. I don’t know enough about the case as it seems it disappeared it never came up on the news but it was all over social media as they were exposed by several people.

[@KelvinMcNeil]

@@vanevaz331 I think they were referring to some Crypto advertising not Credit building FinTech. I wouldn’t give it any attention if no reliable news publications are reporting it.

[@KelvinMcNeil]

@@vanevaz331 if this were true there would be a public legal case/battle with reviewable documents not just people speaking on podcasts or social media reels etc. Just my opinion

[@vanevaz331]

I agree but they can also make it go away without ever reaching the court system. So I have to do my research and check before I decide to put my hard earn money and trust in any institution that’s all. I thank you for your time your videos are excellent and they’re helping a lot.

[@KountryTheBoss]

With these credit builder accounts, can you pay more than your monthly payment agreement to pay off the loan quicker?

[@KelvinMcNeil]

No. The point is to make on time payments in consecutive months for a year or better to build credit. Paying it off early would defeat the purpose.

[@KountryTheBoss]

@@KelvinMcNeil Ok. Thanks. I appreciate it.

[@bernardallen9742]

Self does do manual payment i been doing it for 2 years lol

[@KelvinMcNeil]

I’ve known about Self for over 5 years so you have to forgive me. Some things have changed.

[@bernardallen9742]

I just started another round with Self and is doing manual payments, it will allow you to do so still.@@KelvinMcNeil

[@world2see]

Smooth Operator ! @ Kelvin McNeil

[@KelvinMcNeil]

Coast to Coast, LA to Chicago.

[@elainesorrells9525]

I have too many accounts I just need to pay things down. Would any of these accounts benefit me?

[@KelvinMcNeil]

Sounds like you’ve got it figured out. If you already have several open revolving and installment accounts. You just need to pay off your revolving debt and remove any derogatory items.

[@lovelytink152]

Self mess me up when I had my shit on auto pay and the app kept turning it off and made a late payment

[@KelvinMcNeil]

You’ve gotta stay on top of any & all auto payments. It’s only reported as a missed payment if it’s more than 30 days late which gives you plenty of time to verify payment has been received.

[@stacywilliams3116]

Good day, so I just recently paid off my student loan. I had an credit score of 706.. now my credit is showing a score of 0.. or can't be rated at this time..which one of these credit builders would you recommend to start building my credit back..

[@KelvinMcNeil]

The reason why you have a zero credit score is because you probably have no open accounts. So I would recommend at least one of these installment accounts and a revolving account, which I discussed on part one of this video.

[@shesjustashley]

Does a self credit card count as a tradeline towards getting a house

[@KelvinMcNeil]

Yes, it’s a primary Tradeline. In fact, if you get the Self Visa secured card it’s reported as a 2nd Tradeline in addition to the credit builder loan.

[@reginaldsimmons5611]

Do any of the credit builder apps instantly report the installment as an already aged account?

[@KelvinMcNeil]

No, they do not.

[@DCFN-dr4gd]

What about AVA

[@KelvinMcNeil]

I made a separate video about AVA. You can catch it here: kzbin.info/www/bejne/pZm8n4Rqgs-Jqrc

[@jeromefrancisjr]

So these products are basically a Tradeline?

[@KelvinMcNeil]

Yes. Primary trade-lines. Lines of credit.

[@zachklukos5330]

Hey kelvin is it a bad idea to use multiple apps to build credit??

[@KelvinMcNeil]

It’s a great idea

[@toddhickox4757]

On the initial kikoff account $5 a month that reports a $750 credit limit., how does that reflect utilization?

[@KelvinMcNeil]

The $5 monthly subscription doesn't impact your utilization. It's essentially just the fee to report the trade-in itself. Your balance doesn't increase or decrease if you only use the 1st product.

[@KelvinMcNeil]

The only thing that would impact utilization is the Kikoff Credit+ Cash Card. I can admit, it can be confusing at 1st which is why I broke down the differences between Kikoff's 3 products in this video. Hope this helps!

[@toddhickox4757]

@@KelvinMcNeil so it just shows a $750 limit with no balance correct?

[@KelvinMcNeil]

Correct. Unless you make a purchase in the Kikoff store.

[@toddhickox4757]

@@KelvinMcNeil thank you!

[@ProwRocket]

Can I use all these at the same time to build credit at a faster pace ?

[@KelvinMcNeil]

No need to sign up for 5 credit builder loans. Watch part 1 of this video where I explain how you need to blend revolving with installment tradelines. 👉🏾 kzbin.info/www/bejne/mpClcmV7l86Yrpo

[@ProwRocket]

@@KelvinMcNeil bout to watch now preciate it ! 💪🏾

[@slothilak264]

So i have 2 personal loan account and one capital one credit card my score according to credit karma and experian is at 530 due to one late payment (had a difficult time involving an accident about a month ago) it did ugly on my score that was at a clean 700 My payments are always on time (except this one time of course) but im noticing like youve said checkings always ending up pretty low on the balance What do you suggest i do? Open one of your credit builder accounts or wait it out and just keep paying off all of these account My plan One of the loan will be paid off by june for sure and the other is a pretty big one but im planning to pay it off by the end of the year Now with the capital one i have a credit limit of 1100 im looking over this freedom chase card that im interested in and change credit cards by the time my credit score is over 700 Now what do you think my next step should be am i in the right path?

[@KelvinMcNeil]

Sorry for the late response, I'm just now seeing your comment. I recommend you to open a credit builder loan once you no longer have any open personal loans but in the mean time, focus on revolving accounts. You need to add at least 1 new secured card if not 2 to really help boost your scores while keeping the balances low. Credit Mix is often overlooked but it really impacts your real scores (FICO) not what credit karma is showing you. Check out this video where I detailed 5 great credit builder CARDS that will truly help you boost your scores: kzbin.info/www/bejne/mpClcmV7l86Yrpo

[@KelvinMcNeil]

Which brings me to my next point.. you should be monitoring your FICO scores not Vantage 3.0. You can only get but so far using free credit monitoring sites like CreditKarma. If you really want to improve your credit, make the small monthly investment to monitor your Industry standard credit scores which can be done using MyScoreIQ, MyFico, or Experian.com.

[@allexisgreen9491]

So made, I started self and got off track forgot about it, just tried to pay it to reopen and they’re not letting me 😭

[@KelvinMcNeil]

That’s unfortunate. But use this as a lesson. These companies are designed to help you improve your credit so when you miss payments, it is incredibly hard to get it removed from your credit report but don’t give up!

[@allexisgreen9491]

@@KelvinMcNeil So they let me reopen it! I ended up emailing them and I got an email saying to finish the setup and I did and I worked. Suppperrr happy lol!

[@allexisgreen9491]

@@KelvinMcNeil but yes I literally dropped 100 points because of my account closing 😭😭 took me from 550 to 450 I was like whaaaaaattt????

[@Proxybusinessmanagement]

What do think of bright money

[@Proxybusinessmanagement]

And ava

[@KelvinMcNeil]

Bright money seems great. Very similar to others.

[@KelvinMcNeil]

@@Proxybusinessmanagement here’s what I think about Ava: kzbin.info/www/bejne/pZm8n4Rqgs-Jqrc

[@lowkeeme]

Are all of these primary accounts?

[@KelvinMcNeil]

Yes

[@ceaserval7387]

Hello bro please am not us citizen and have no ssn Am just trying to build my credit Can I use my itin in these credit builders

[@KelvinMcNeil]

I can’t say whether or not these companies require you to be a US citizen but legally you should be able to just plug-in your ITIN instead of your SSN to apply and build credit.

[@natestackhouse.]

lets just say I signed up for all of them…. Would it be beneficial? Would it make my score jump up drastically?

[@KelvinMcNeil]

As mentioned in the video I wouldn’t recommend signing up for all of them. It would be overkill. Your credit score doesn’t improve the more loans you have. If you don’t have ANY loans, at the most 2 of these are necessary.

[@KelvinMcNeil]

Watch part 1 of this video where I talk about both revolving & installment accounts and how many you may need. 👉🏾 kzbin.info/www/bejne/mpClcmV7l86Yrpo

[@natestackhouse.]

@@KelvinMcNeil thanks i did… I Signed up for Grain, Self, and Extra…. I tried the discover it but i was denied

[@KelvinMcNeil]

@@natestackhouse. Grain, Self, and Extra are a great trio. Just don't miss any payments!

[@olympiawhite2985]

How do you get information

[@KelvinMcNeil]

Get information about what?

[@blue42goo]

If you get 4 credit builder loans is that good or can that be negative.

[@KelvinMcNeil]

It’s unnecessary in my opinion. No more than 2 is needed to establish credit. It would make more sense to get 2 revolving accounts as a well vs getting 4 installment accounts.

[@blue42goo]

@@KelvinMcNeil sorry but what does 2 revolving accounts mean?

[@KelvinMcNeil]

@@blue42goo watch part 1 of this video where I break it all down 👉🏾 These credit builders will help improve your credit! kzbin.info/www/bejne/mpClcmV7l86Yrpo

[@alonzoharmon4166]

I have a Navy Federal Secured card now, Is it okay to add another secured card and witch one?

[@KelvinMcNeil]

@@alonzoharmon4166 if you only have 1 open credit card, yes adding another would really help.

[@1357memba]

Quick question I started Brigit two months ago made one payment towards the loan credit score fico wise my score was 670 after Experian boost … I applied for low limit unsecured cards sense I now have some established credit but I’m not pre qualified for any other that secured cards have any idea why?

[@KelvinMcNeil]

Where are you getting this 670 credit score? Is this your Vantage 3.0 or FICO?

[@1357memba]

@@KelvinMcNeil fico 8

[@KelvinMcNeil]

@@1357memba how are the other 2 scores?

[@1357memba]

@@KelvinMcNeil not as significant as 612 trans union ,614 vantage. Would that play a role in getting pre qualified?

[@KelvinMcNeil]

@@1357memba that may be why. The other 2 scores are too low for most unsecured cards but they’ll send you a letter in the mail within 30 days (most of the time in under 2 weeks) giving you the reasons of denial.

[@eshdhhdhd4251]

There is no mobile app for kovo

[@KelvinMcNeil]

The website is optimized for mobile use.