Why I have a BAD credit score, and how to improve your credit score!

[@The_Break]

Today we're discussing Credit Scores! Why mine is NOT good, and how you can improve yours! If your credit score is something you are not aware of, you need this video! If you appreciate the content on this channel do me a huge favour and SMASH the like button, helps me out a lot!

[@shayz7655]

Always like and comment ❤️ This is THE channel 🙌

[@elliee310]

A

[@janeenanila4585]

Thank you... much needed. 💛

[@cryptoflippodcast]

The good thing about credit is that it can always be fixed Love the transparency ❤️❤️

[@zz7844]

Yeah

[@The_Break]

Thanks Haris!

[@pochettemetis1417]

But it can take years to fix. The best thing is to not mess up your credit.

[@vivmiyagi]

@@pochettemetis1417 easier said than done for a lot of people

[@TashanaCharles]

I’m here for a black women talking about finance!

[@sammytrump9603]

DM @Cashprice via telegram. He's highly recommended √

[@mrstclay]

me too!!!

[@sammytrump9603]

@@mrstclay is James work. Hire him on T.G if need something real

[@Knrr-yr2dd]

Same here!

[@silasmadis2006]

Yo wtf why does someone's skin colour matter? Y'all gotta chill with that racisim vibes, man just appreciate the information that's given. Judge her character, not her skin colour.

[@chelsea_cora]

Your content has inspired me to get WAY more serious about managing my finances. Thank you!!!

[@The_Break]

Love to hear it Chelz! ❤️

[@tipwo6921]

How are you changing ur habits chelz? I'm thinking but don't know where to start

[@cjarbay]

@@tipwo6921 if you're in the UK, the UKPF flowchart is a good place to map out how you go about this

[@masseiy]

Pro tip: make two payments per month. One small one and one big one to pay everything off, it helped me with boosting my score like crazy over time.

[@moleyandrew469]

Wow this is really on time THANK YOU FOR BEING YOU AND YOUR KNOWLEDGE 💕💕 your videos are perfect for motivation and ideas and we enjoy and learn so much from them.Thank you for your information and being open

[@leas2477]

Hey Patricia, Closing the credit card account can actually lower your credit score. It’s safer to just pay it off but leave the account open or use a little and pay of each month.

[@tresben6758]

I've just got to wait until Feb next year for my CCJ to be lifted from my account. I've just paid off the last of my debt a few weeks ago. I'm really looking forward to next year...

[@brystamcneal8736]

payday loans are a horrible cycle

[@lovemegoldendac]

They should be canceled and illegal !

[@JayB33xx]

Your transparency with numbers and your own numbers at that is so refreshing and much needed. Loving this. 😁

[@hanaj]

As someone who works at a bank- if you miss one payment, but have a good payment history- ask them to waive it. This works 90% of the time if you ask nicely. At least in the US. And registering to vote in the US doesn’t have credit scores like the UK

[@rain_x5535]

Can confirm it works in the UK. They do check that you do make your payments on time etc before they waiver the charges 😊

[@hannahvictoria4563]

Thanks to my mother mine has been very poor for quite some time now. I'd be overjoyed with a fair score 😩 Always appreciate your advice and transparency!

[@austinteresa6811]

You don't really need someone to tell you how to invest your coins, you can make research on your own and also try doing it yourself first.

[@austinteresa6811]

+ 1 5 1 8 6 1 5 5 4 1 5

[@treasuresfromjoneshealthan3245]

Wow you covered it all in this video. You are absolutely right. We must do all we can to have a respectable credit score. Thank you so much for sharing this valuable information. Look forward to what you do next.

[@carmena8815]

This is so helpful, I've been using my credit card to pay everything every month and then paying it off in full and my score hasn't grown so this makes so much sense! Thank you!

[@xRapids17]

why hasn't it grown though?

[@carmena8815]

@@xRapids17 you have to pay it 3 days before to make it have the biggest impact and it has grown now which is good x

[@twinningintokyo5487]

Babe the way you buy designer clothes best to pay on card and enjoy those air miles and just pay it off straight away every single month but cash is trash for high yield transactions 💕

[@dr.d.terrencefoster7886]

Very important topic - great. ....Earn it before you spend it!

[@annie_misc]

Great topic, please could you do a follow up to show how you are boosting your scores over time? I’d love to know how long it takes as I’m currently trying to do the same.

[@vivianmensah1882]

It's probably the missed payment that's having the negative effective it will improve the further away the missed payment becomes x

[@ITSTHE411]

This video came right in the nick of time!!!!

[@stefa22]

4:30 That’s why I’m going to partly-finance my new laptop. Hopefully that would increase my credit score rating to good. Me only having a phone contract doesn’t seem enough to increase my credit score to good.

[@chrisd2415]

Better off getting a credit card with an introductory offer and paying for it with that

[@uchisi5763]

Omg mother Patricia has posted :)

[@uchisi5763]

The Break OMGGGG IM GONNA QUAKEEE

[@danm4536]

Wow. First! Thank you for your content Patricia

[@smiah7898]

It’s crazy how much credit reference agencies differ as well. On one month my Equifax score went up by 60 points, but my Experian one went down 45 points

[@greatmusic52]

It’s also a good idea not to be on too many different credit reference agencies. As they differ this can also affect your score too

[@BBROXY940]

Your credit score being affected by the fact that you don’t have any credit is the biggest scam.

[@euniceslanwa]

She said "GROCERIES! not delivery or ubereats! 👀" Girl needed to clarify for the people in the back 😂😂

[@traylawrence2686]

🤣🤣

[@thewealthwarren6940]

Automated direct debits are bad credit score's kryptonite for sure! 👏🏾👏🏾👌🏾

[@ttmoore8750]

My credit score dropped by 12pts and then updated to only 8pts dropped. I'm ready to fix my credit score better for the small reminder of 2020 & 2021.

[@austinteresa6811]

You don't really need someone to tell you how to invest your coins, you can make research on your own and also try doing it yourself first.

[@chritianadominguez5997]

Are you in need of a very competent and licensed hacker from the deep web ? below is a list of some of the services he renders _ + University grades changing + Facebook hack + Email interception hack + Email accountshack + Grade Changes hack + Website crashed hack + Word Press Blogs hack + Retrieval of lost file/documents + Erase criminal records hack + Databases hack + Sales of Dumps cards of all kind + Untraceable Ip + Bank accounts hack + Individual computers hack + Websites hack + Control devices remotely + Burner Numbers hack + Verified Paypal Accounts hack + Any social media account hack + Android & iPhone Hack + server crashed hack + Text message interception hack + Twitters hack + Skype hack + Credit cards hacker + We can drop money into bank accounts. + credit score hack + blank credit card sale + Hack and use Credit Card to shop online + Monitor any phone and email address + Tap into anybody’s call and monitor messages contact [phone]

[@teaaa8339]

At the start of this year my credit was fair, I've now moved to excellent...need to try and maintain that with better financial decisions going forward.

[@Brown_Sugar11]

How did you increase your score?

[@teaaa8339]

@@Brown_Sugar11 used 2 different free credit trackers to see what my score was. Paid off all my loans and begun to save. Moved back home and got a new job with a bigger salary. Hasn't been easy as then lost my job due to covid but debt was paid off and money was saved before that happened thankfully.

[@Brown_Sugar11]

@@teaaa8339 that’s awesome!

[@LexaKarlynVlogs]

Love everything about this channel

[@smith2077]

Now a house owner, thank you so much ☝☝☝

[@CharF]

Patricia, all your husband have to do is put you as a co-applicant on one of his credit cards, and your credit score will go all the way up. I'm pretty sure he knows he can trust you...lol🤠👍🏽

[@ssgoodz781]

Do you know if that will decrease his score by doing that?

[@CharF]

@@ssgoodz781 no, adding a authorized user to your credit card will not affect your score. It ONLY will if the person is irresponsible with their card.

[@wheresheidy]

Santander is probably a car payment? It is for me

[@paulettemusicqueen1282]

“Let’s not be unequally financially linked to dead beats” A word!

[@supershellybelly12]

Wow early birds catch the tea!

[@EstherEvelyn]

This couldn’t have come at a more perfect time! Thank you Patricia ❤️❤️

[@simplyika7823]

Love the transparency. Thank you for sharing, Patricia.

[@brandwithwhitney]

Thanks for sharing honey! The last 6 months I’ve been taking so many steps towards improving my credit and this just gives me more hope 🙌🏾🤞🏾

[@estelalicea591]

Credit cards are good if you know how to use it and don’t become addicted to it.

[@brystamcneal8736]

👁👄👁 me watching my score bounce between fair and poor. 😭

[@The_Break]

Ahhhhh, it can always be worked on and improve in time!

[@nursebondemcanada]

do not give up

[@Cleo1John]

Don’t give up and make sure you pay your council tax gas and electric on time. Try not to make your bank account bounce and get a credit or store card any card and use it and every month make sure you use and pay it off every month too. Your credit score will beginning moving upwards within two months. If you got anything bad credit to pay off just call them take your time and pay it back.... it don’t matter if it takes years... just face it all and you’ll be fine lady

[@5minswithme]

Don’t give up love, it will get better , follow the points in this video and you’ll start to see gradual improvement from about 3months

[@mmmmkay4773]

YOOOOOO! 😄😄😄 I felt that!

[@efolinsky]

There is no electoral roll in the US, yes we can be registered to vote but it doesn't impact our credit

[@angelicastella5018]

He is reliable and competent

[@18kody18]

Love the honesty and infotainment 👏

[@hazeldenesolomon4257]

Thank you for sharing and educating us to something we have never been really taught more blessings to you

[@racquelholness169]

good point on the utilisation %. but what if you use a credit card for balance transfer deal and using the 90% availability

[@greatmusic52]

With a good balance transfer when they give you a limit it’s better to only pay off what you’ve transferred rather than any of the offered limit as the offered limit you will pay interest on

[@MariaAndersenCrypto]

My favorite girl KZbinr❤️

[@MariaAndersenCrypto]

@@rexkneisley3555 ❤️

[@scarletthe_youtuber]

11:41 Credit in a nutshell! 😊

[@justbelit]

In the Caribbean (my island in particular), there is no way to check. We are beyond 3rd world :(

[@missvonofficial2705]

So glad this platform is growing so quickly! It’s helpful af!

[@handsonburg6580]

Amazing! All derivatives items affecting my score has bn removed. I'm now on 850.

[@kennethbohyn3558]

How to remove hard inquiries pls?

[@Real-Imperfect]

Patricia you look so beautiful. Love the video we all need educating on our finances.

[@SBS2103]

Really helpful video thanks Patricia! Can u do a video on how to choose and use a credit card? Thanks xx

[@munahwalker4795]

Thanks for the raw transparency Patricia !

[@TheVirtualStealth]

It took me a while to remember you're not in the US lol. Just a reminder for everyone else, check your local credit score rules and regulations.

[@KarenHFernandes]

Dear Patricia, Thanks for sharing, you help me a lot to have a financial discipline and every video it is so crucial to be financially stable and knowledgeable. 👏🏿🙌🏿😘😘😘

[@deborahbell-theobservantch3759]

Thanks for this Patricia, love this channel! However are mortgage interest rates really low though? They are not "simple" rates, so we can't compare them to credit card rates...it would be great if you could one day talk about mortgage interest rates.

[@jainejane107]

Loved this video!!! Would love to see one on getting your first car, as someone in her 20s I’ve always considered the process

[@elizabethboillat7029]

100% my favourite channel

[@sianmoore1129]

can you do an video on an IVA, DRO, ect. not the best but think for some it's the only way for some..

[@complexity2725]

Inspiration as always. Well needed video, thankyou.👏🏾🔐

[@Randonactually24]

Thank you for all the advice honestly you are so helpful ❤️

[@jennifermacias9098]

do you know when you budget planners will come back in stock love

[@cathy010909]

Honestly, it's everything for me 💜

[@5minswithme]

Love that you’ve shared about this! Very direct, to the point and honest!

[@golden.queennn]

Nice video !

[@salmavlogs7532]

Who else is trying to grow their YT channel during lockdown .let’s help one another .much love 😍

[@ceciliakonadu6101]

just checked mine from watching this video and its excellent!

[@thatlovegirl12]

You think a 777 is bad? Or is credit different overseas? In America anything over 700 is good , 800 and above is excellent

[@WhitneyOsei]

Her score was 597

[@MENSA.lady2]

Better is not to have a credit score at all. here's how . Step 1. Pay off our credit cards in full. Step 2 Cut up all of your credit cards. Step 3 Write to all 4 of the major credit reference agencies telling them that you have checked your records and found errors. The fact that this is a lie does not matter. Step 4. The credit reference agencies will ask for details of the errors so that they can correct them. This request you MUST refuse. Remind them that knowing there are errors renders your rating useless as they cannot now ,knowing it has errors, sell that data on. Step 5 Demand that they resolve the issue by deleting all data they hold regarding you. Remind them to include any backup copies they have no matter where or in what format it is held. Step 6. Enjoy debt free living.

[@annejohnson397]

Thank you !

[@emiramiller25]

how well does this advice translate into U.S credit? do all these tricks apply the same?

[@bellaxmakeup]

Loved it!! Thank you for this video

[@eastafricansoldier.inevolu8665]

This helped alot

[@sotonyehart1181]

Hi Pat, love you loads

[@phranchesskahr]

You look so gorgeous in that jumper. It's beautiful and so are you!

[@DeniseAbygale]

Really enjoyed this video, thanks for being so candid.

[@Veglaus]

So helpful!!! thank you girl!

[@shefilms]

Such A Helpful Video ! Love The Transparency ❤️

[@hettyj8335]

Thanks as always Pat.i didn't know how about the voting part.😘😘😘

[@ElegantPaws01]

Great episode.

[@anabettencourt6943]

This was quite helpful. Thanks Patricia

[@chanelreid973]

Does anyone know how long it takes to increase your score on average? For example if you have a good month in paying everything on time, does your score go up by 2 points?

[@MsNaya]

yes thank you so much for this video.

[@urfave5605]

This credit score literally pisses me offf!!

[@LifeSoDevine]

Is this mostly uk based info cause my credit doesn’t report my phone bill or utilities

[@_cyberhacks_oninsta475]

You can reach out to long_tech_ on ig to help you with that if you’re in the US though

[@_cyberhacks_oninsta475]

He helped me with mine

[@cashai2822]

This may sound like a silly question - but should you aim to get a credit card with a Low Interest Rate? Does the interest rate make you more or less attractive to improving your credit score?

[@nehchimirabel2346]

Thank you for this content. God bless you my Lady😘😘😘

[@janeenanila4585]

Perfect timing!

[@imarip9781]

You're amazing for this, thank you so much Patricia! All your efforts are greatly respected and appreciated xx

[@2023roadstervet]

First off That is not a bad score.. Talk to me when you start at 530.

[@gplummer73]

✨

[@nanugamerzlite6060]

If you’re having problem with the following kindly visit

[@pochettemetis1417]

700s is not a bad credit score. It is a good credit score. Anything over 750 is just for your ego.

[@rfield4308]

Hers is 597

[@nasiathomas2216]

Her credit is low in the UK, it would be considered a 500 something in the US. Not the same scale.

[@clodia1834]

@@nasiathomas2216 her credit score at 597 is even worse for the states. In the states 597 means you can’t even get a department store credit card.

[@MESSY-AF]

how in the hell u got half a mil mortgage without a credit card history? :D

[@TomekSw]

You have a middle of your video at the beginning lol

[@douniab6438]

LOL glad this system doesn't exist in Belgium!

[@AshzxQuidYT]

How do you qualify for things? Or do you just use your own money and if you can’t, You won’t buy.

[@Stevenharknett]

Electoral roll not Electorial roll.

[@Michelle-qd9gm]

Makes you laugh you’ve got to get into credit to get credit

[@ernestovalladares2590]

❤️