💳 - DIY Credit Repair Letters 👉🏾 bit.ly/34SpsPw ❤️ If you find my content helpful, become a channel member, and SUBSCRIBE! 😎 - bit.ly/332QAtI 👇 👇 Watch My Other Credit Card Videos Here 👇 👇 How To REMOVE Hard Inquiries From Credit Report For FREE! ruclips.net/video/qa4-obKYQGU/видео.html When To Pay Credit Card Bill (INCREASE CREDIT SCORE!) ruclips.net/video/WaIacYRPDBE/видео.html 4 Ways to Increase Your Credit Limit (2020) ruclips.net/video/eSWhXdVo980/видео.html
Good morning Devil Dog Thank you for your service. I'm in the process of looking to buy my first home and my score are in the high 600 , but was trying to get at least over the 700 to help out. My mother was going to add me to her credit card since her score is in the high 700 and has had it for over 20 years, but has used about 90% of it though she always pays on time never missed a payment. Would that help my score or will the amout of usage not help? I also served in the Marine Coprs for alitte over 8 years. Thank you also for the great job you do here on your channel and also watch and had a question about the unemployment retroactive which at the time didn't come through for my wife ,but followed the step as your suggested and she got it just took awhile.
@@fallnqupid Thanks devil dog! What do you mean 90% use? Like her credit line had a 90% balance? If that was the case, I do not recommend getting added on as an AU. But if you mean she uses it 90% of the time, like for purchases, then that's fine. Make sure if you were going to be added as an AU, it requested for your SSN. That's the only way it will affect your score.
Or to leverage your credit to invest in your business for a return by liquidating you credit for profit and credit reward points all while boosting credit score and loan limits at 0% interest
Winner of a video, been searching for "how hard is it to get a 850 credit score?" for a while now, and I think this has helped. You ever tried - Peyvelynor Fantastic Predominance - (should be on google have a look ) ? It is a good one of a kind guide for discovering how to boost your credit without the normal expense. Ive heard some super things about it and my mate got excellent success with it.
I've always wondered how u guys can acquire 20+ credit cards and still maintain a 800+ credit score. If u was to do a video on how u accomplished that, it would be much appreciated.
new immigrant in US, studying financial things, credit scores , bank accounts.. savings, retirement, health insurance...I want to learn more.. thanks for sharing..God bless..
I have 2 chapter 13’s that are dismissed. The reason I have 2 is bcz I did n+ot 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 This name below 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!!!
I would.have mentioned a "goodwill adjustment". A goodwill adjustment is a letter to.the credit card company to ask them to consider removing an isolated blemish on your credit history. This only works if it is an islolated incident. The lerter should have a humble and respectful tone. The company is doing you a favor, expecting them to do it/firmness will not get it. The letter should not appear as if it were cut and pasted from the internet. Give a sentence or two on why you were late. Make it a hardship, not irresponsiblity excuse. I would also include. Them helping you with your goals of being in good standing will help you get them paid. That is their goal. Point out the win win situation.
Hey Naam. Would u please do a video on how to buy tradelines to boost one's credit score and discuss the pros & cons in purchasing aged tradelines. I was watching 'The Credit Game' channel and he talks about buying a 5 year tradeline for every 2-3 new cards u apply for to offset the reduced average age on your cards. Would like to learn more about tradelines and see if this is a beneficial way to boost ones credit profile and score. Thanks.
At 34 years old I finally feel ready to settle down long enough to buy a house. Unfortunately due to previous horrible stupid life decisions, I'm forced to start with a zero balance in my savings account. On the bright side, the huge amount of debt - consequence of those bad decisions will be payed off next month! 🥳 It's never too late to start saving like there's no tomorrow, and I'm really REALLY excited and motivated. Oh and Graham, fyi my emergency fund is also a done deal! by This name below team lol, i didn't made it myself
I worked hard to get it to 696 and it's not going up any time soon. I've made 15 consecutive on time payments. My credit score was low 500's. I really want to get it up higher so that I don't need a co-signer for everything.
Check your credit diversity, get different types of credit, the longer you have the accounts will help, also your credit utilization. The higher your limits and the less credit you use will help.
@@gogurletc8170 Not good. I've struggled with bills and had to get cash advances from companies and consolidate a couple of loans so my credit score took a severe hit and now it's a terrible 579. Looks like by the time I'm 100 yrs old it'll bounce back and maybe buy a house to die. lol.
You must be paid by Credit Karma, even i know CK isn't accurate especially with scores and or reporting but overall your info/tips and strategy is 9 out of 10
@@NaamWynn don't get me wrong i do subscribe and watch your vids not trying to be Hater got nothing but love and respect for what you are trying to do..keep those videos going👍👍👍
@@jesusbaez4427 Not at all, I didn't think what you say was negative. It was definitely not a hate comment, and I get those every once in a while. Great to have you as a subscriber!
Jesus, keep in mind CK is another means of maintaining and monitoring credit history. Free is free. You keep track of your life with all elements so why not use something for free that even gives good advice? It's a general application as opposed to the once-a-year report you get for free.
Thank you for the great content, new subscriber. Question, should all three bureaus have the same information on them ideally? Some of the information on my Transunion is not the same as my Experian. Thank you for your help.
Yea Navy federal gave me a really high limit. I applied and was denied at first so I got a service from this name below, and I was approved for a capital one. The limit was so small lol but I took it and worked on it. Because if that it helped my credit and I believe that’s what made me finally get approved for navy fed with such a high limit. they're still working on increasing the capital one since it was so low. All in all I’m satisfied.
The REAL problem (if you want to label it a problem) is that CK uses VantageScore, which is NOT your FICO score. From my experience, your VS score is usually 20-30 points lower than your general FICO score. But it's your FICO score that most people will check when they want to know your creditworthiness.
I have an issue with a Closed Account that had missed payments and then eventually charged off. When I called them(original creditor still), they offered a settlement amount to make the balance 0, but told me the missed payments would still be shown on the credit report (which is what is seriously hurting my score). How can I resolve this?
if you have a bankruptcy on your credit report your screwed forget it don't waste your time applying. Bankruptcy was the biggest financial mistake I ever made in my life it was a long long wait for it come off my report
VERY well done ! I say this with 40+ years in mortgage finance & banking working with credit bureaus. Different models and parameters are used by different industries but this name below info is pretty much universal. If you're trying to max your credit scores, there is a happy medium between too many credit cards and none. Too many cards with zero balnce may actually hurt you in some cases. Even if you do not use them, you have a potential. To always pay cash & still have cards doesn't help your scores as well
Do you know on Credit Karma for a credit card where it shows last payment date, is the the set payment date each month or the date you actually decided to make a payment last on the card? Thanks
Asking for credit line increases don't get reported neither will being denied. Yet if your credit lines are increased that will be reported positively.
My credit score hasn't changed for a while my bank said it is because I have had this account for a long time and because I have no mortgage payments coming from the account. I own my home lol
My FiICO score is crazy. Fluctuates greatly even though I have no changes. No credit card debt, 2-3 percent usage. What I have is a student loan with old late payments. I just do not understand why my score should change so drastically from time to time. I just opted out of the two services you suggested and will write letters to try and dispute the student loan late charges.
Hey Naam, do you have any advice for people with new credit on how to raise it faster? I applied for a secured card when my credit score was "0" 😕! N literally my score update 2 days later to "628" 😀! Then when my card came in my credit jumped again to "673" 😃!!! But now I'm left wondering.. should I try & apply for a regular credit card right away or no?? If you can help me out I would greatly appreciate it thanks!
This dude is mostly full of shit....secured credit cards are crap because your using your own money you're not being loaned the money. Credit karma is a scam. Unsecured credit cards, house/car/personal loans are the main and only players to bring your credit up.. Experian, Equifax, and transunion are the only credit reports that get reported to which give you your actual credit scores. They may not be exactly the same but they're close. My experian is 723, equifax is 721, and transunion is 730. Experian also uses cell phone.bills, utilities, and even Netflix to raise your credit
Hi Naam, I have my daughter as an authorized user on one of my credit cards and I was wondering if I was to pass away will the card be my daughters responsibility?
When trying to get late payments removed on an active account, if it cannot be verified by the bureaus, do they remove that late payment and show on time payment for that month, show no information available for that month, or delete that account off the credit report? I want to get my late payment history corrected but not sure how disputing with the credit bureaus affects the active account if they cannot verify the information to be accurate.
I am the Director of Tax and Accounting at a family office which manages over 15 brokerage accounts. We switched to BADKHENCORP at the beginning of 2015 and have been very pleased with the product. We transitioned from a much more expensive program to find the BADKHENCORP is not only a better value but it's an overall a superior product across the board. It may not be applicable to a large financial institution, but it meets everything we were looking for in terms of a financial management software." - Orrin, CPA, Maralo, LLC
Congrats. Its just come down to time. Stop applying for new lines of credit and keep doing what you're doing. The age of credit really matters once you get that high.
Naam i don’t have any negative marks but my utilization is high 70% my credit limit is about $71k I have no installment payments only revolving how can I add good trade lines and a good installment? IOcq , kickoff, self ? I’m currently on SSDI how my Equ, 690 , Exp 696 not sure of my Tran any suggestions??? I would greatly appreciate it
Your best best is to resolve the debt, the quicker you pay it off, the better the score will be. You might to consider debt consolation, this will save on interest and boost your score.
💳 - DIY Credit Repair Letters 👉🏾 bit.ly/34SpsPw
❤️ If you find my content helpful, become a channel member, and SUBSCRIBE! 😎 - bit.ly/332QAtI
👇 👇 Watch My Other Credit Card Videos Here 👇 👇
How To REMOVE Hard Inquiries From Credit Report For FREE!
ruclips.net/video/qa4-obKYQGU/видео.html
When To Pay Credit Card Bill (INCREASE CREDIT SCORE!)
ruclips.net/video/WaIacYRPDBE/видео.html
4 Ways to Increase Your Credit Limit (2020)
ruclips.net/video/eSWhXdVo980/видео.html
Good morning Devil Dog
Thank you for your service.
I'm in the process of looking to buy my first home and my score are in the high 600 , but was trying to get at least over the 700 to help out. My mother was going to add me to her credit card since her score is in the high 700 and has had it for over 20 years, but has used about 90% of it though she always pays on time never missed a payment. Would that help my score or will the amout of usage not help? I also served in the Marine Coprs for alitte over 8 years. Thank you also for the great job you do here on your channel and also watch and had a question about the unemployment retroactive which at the time didn't come through for my wife ,but followed the step as your suggested and she got it just took awhile.
@@fallnqupid Thanks devil dog! What do you mean 90% use? Like her credit line had a 90% balance? If that was the case, I do not recommend getting added on as an AU. But if you mean she uses it 90% of the time, like for purchases, then that's fine. Make sure if you were going to be added as an AU, it requested for your SSN. That's the only way it will affect your score.
What does it cost for a AU Tradeline, and how do I go about doing that.
Got to raise everyone's credits so we all can purchase homes and cars. Great info Naam you are the man!
Or to leverage your credit to invest in your business for a return by liquidating you credit for profit and credit reward points all while boosting credit score and loan limits at 0% interest
@@jugginsteez2445 tell me more
Raising your credit score is so important. Thank you for sharing this tip for those who don't have time
Winner of a video, been searching for "how hard is it to get a 850 credit score?" for a while now, and I think this has helped. You ever tried - Peyvelynor Fantastic Predominance - (should be on google have a look ) ? It is a good one of a kind guide for discovering how to boost your credit without the normal expense. Ive heard some super things about it and my mate got excellent success with it.
I've always wondered how u guys can acquire 20+ credit cards and still maintain a 800+ credit score. If u was to do a video on how u accomplished that, it would be much appreciated.
Can you do a video on high student loan debt and increasing your credit score
new immigrant in US, studying financial things, credit scores , bank accounts.. savings, retirement, health insurance...I want to learn more.. thanks for sharing..God bless..
Thank you for the valuable information you provide on the regular . You are greatly appreciated. 👍
Thanks!
I have 2 chapter 13’s that are dismissed. The reason I have 2 is bcz I did n+ot 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 This name below 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!!!
MendoS AnonymouShacK
MendoS AnonymouShacK
I would.have mentioned a "goodwill adjustment". A goodwill adjustment is a letter to.the credit card company to ask them to consider removing an isolated blemish on your credit history. This only works if it is an islolated incident. The lerter should have a humble and respectful tone. The company is doing you a favor, expecting them to do it/firmness will not get it. The letter should not appear as if it were cut and pasted from the internet. Give a sentence or two on why you were late. Make it a hardship, not irresponsiblity excuse. I would also include. Them helping you with your goals of being in good standing will help you get them paid. That is their goal. Point out the win win situation.
Hey Naam. Would u please do a video on how to buy tradelines to boost one's credit score and discuss the pros & cons in purchasing aged tradelines. I was watching 'The Credit Game' channel and he talks about buying a 5 year tradeline for every 2-3 new cards u apply for to offset the reduced average age on your cards. Would like to learn more about tradelines and see if this is a beneficial way to boost ones credit profile and score. Thanks.
I love the advise!!!
At 34 years old I finally feel ready to settle down long enough to buy a house. Unfortunately due to previous horrible stupid life decisions, I'm forced to start with a zero balance in my savings account. On the bright side, the huge amount of debt - consequence of those bad decisions will be payed off next month! 🥳 It's never too late to start saving like there's no tomorrow, and I'm really REALLY excited and motivated. Oh and Graham, fyi my emergency fund is also a done deal! by This name below team lol, i didn't made it myself
MendoS AnonymouShacK
MendoS AnonymouShacK
Glad I found your channel
This gentleman me dropping jewel's!
great thank you for the tip.
Good afternoon from Boston Massachusetts
Thanks Naam- awesome content. Best wishes
You got a Honda si? Nice! 💪🏻
I worked hard to get it to 696 and it's not going up any time soon. I've made 15 consecutive on time payments. My credit score was low 500's. I really want to get it up higher so that I don't need a co-signer for everything.
Check your credit diversity, get different types of credit, the longer you have the accounts will help, also your credit utilization. The higher your limits and the less credit you use will help.
How's it going?
@@gogurletc8170 Not good. I've struggled with bills and had to get cash advances from companies and consolidate a couple of loans so my credit score took a severe hit and now it's a terrible 579. Looks like by the time I'm 100 yrs old it'll bounce back and maybe buy a house to die. lol.
Naam... great video! that shirt looking a little tight tho. Great point on the credit utilization 😁
Getting swole
@@NaamWynn it is bulking season
You must be paid by Credit Karma, even i know CK isn't accurate especially with scores and or reporting but overall your info/tips and strategy is 9 out of 10
Thanks. I wish Credit Karma would paid me. Lol. It’s not super accurate but easy to pull a quick fico estimate. Thanks for stopping by!
@@NaamWynn don't get me wrong i do subscribe and watch your vids not trying to be Hater got nothing but love and respect for what you are trying to do..keep those videos going👍👍👍
@@jesusbaez4427 Not at all, I didn't think what you say was negative. It was definitely not a hate comment, and I get those every once in a while. Great to have you as a subscriber!
Jesus, keep in mind CK is another means of maintaining and monitoring credit history. Free is free. You keep track of your life with all elements so why not use something for free that even gives good advice? It's a general application as opposed to the once-a-year report you get for free.
@@jesusbaez4427 could fooled us. You did come across as a little hatter js have a great day 😎
Thank you for the great content, new subscriber. Question, should all three bureaus have the same information on them ideally? Some of the information on my Transunion is not the same as my Experian. Thank you for your help.
3 1 7 9 4 3 3 3 8 4 would assist you
@@cecileandrew2494 Honestly, all reviews about gina, are real. Am a living testimony, this great elites changed my life.
I agree they should match up it's your profile if it's not accurate,by law you are entitled to dispute
Yea Navy federal gave me a really high limit. I applied and was denied at first so I got a service from this name below, and I was approved for a capital one. The limit was so small lol but I took it and worked on it. Because if that it helped my credit and I believe that’s what made me finally get approved for navy fed with such a high limit. they're still working on increasing the capital one since it was so low. All in all I’m satisfied.
MendoS AnonymouShacK
MendoS AnonymouShacK
Thank you Captain obvious I love it
You’re welcome. Do you have any active passive income streams?
i dont like credit karma like most free score services is that CK gives you at least 25 points more than your actual score sucks
The REAL problem (if you want to label it a problem) is that CK uses VantageScore, which is NOT your FICO score. From my experience, your VS score is usually 20-30 points lower than your general FICO score. But it's your FICO score that most people will check when they want to know your creditworthiness.
Where can I find trade lines?
I have an issue with a Closed Account that had missed payments and then eventually charged off. When I called them(original creditor still), they offered a settlement amount to make the balance 0, but told me the missed payments would still be shown on the credit report (which is what is seriously hurting my score). How can I resolve this?
if you have a bankruptcy on your credit report your screwed forget it don't waste your time applying. Bankruptcy was the biggest financial mistake I ever made in my life it was a long long wait for it come off my report
3 1 7 9 4 3 3 3 8 4 would assist you in removing the bankruptcy affecting your report
@@cecileandrew2494 Honestly, all reviews about gina, are real. Am a living testimony, this great elites changed my life.
@@cecileandrew2494 what do you have for referrals? I went to your profile and there's nothing there.
What if I want to close high interest credit cards would it effect my credit score
YES it will...keep those cards for Credit age
I use app call upturn as well
What's it do?
VERY well done ! I say this with 40+ years in mortgage finance & banking working with credit bureaus. Different models and parameters are used by different industries but this name below info is pretty much universal. If you're trying to max your credit scores, there is a happy medium between too many credit cards and none. Too many cards with zero balnce may actually hurt you in some cases. Even if you do not use them, you have a potential. To always pay cash & still have cards doesn't help your scores as well
MendoS AnonymouShacK
MendoS AnonymouShacK
Do you know on Credit Karma for a credit card where it shows last payment date, is the the set payment date each month or the date you actually decided to make a payment last on the card? Thanks
It's unfair
I have 4 cc total 54k -
Should I ask for cc increases on all cards at the same time?
3 1 7 9 4 3 3 3 8 4 would assist you in increasing your credit score
@@cecileandrew2494 Honestly, all reviews about gina, are real. Am a living testimony, this great elites changed my life.
Asking for credit line increases don't get reported neither will being denied. Yet if your credit lines are increased that will be reported positively.
My credit score hasn't changed for a while my bank said it is because I have had this account for a long time and because I have no mortgage payments coming from the account. I own my home lol
My FiICO score is crazy. Fluctuates greatly even though I have no changes. No credit card debt, 2-3 percent usage. What I have is a student loan with old late payments. I just do not understand why my score should change so drastically from time to time. I just opted out of the two services you suggested and will write letters to try and dispute the student loan late charges.
For students loan and late payments removal .
TEXT drewie
803
339
0650
How do I remove a repo
Hi Naam, Do you have a letter that will remove repos?
3 1 7 9 4 3 3 3 8 4 would assist you
@@cecileandrew2494 Honestly, all reviews about gina, are real. Am a living testimony, this great elites changed my life.
Hey Naam, do you have any advice for people with new credit on how to raise it faster? I applied for a secured card when my credit score was "0" 😕! N literally my score update 2 days later to "628" 😀! Then when my card came in my credit jumped again to "673" 😃!!! But now I'm left wondering.. should I try & apply for a regular credit card right away or no?? If you can help me out I would greatly appreciate it thanks!
3 1 7 9 4 3 3 3 8 4 would help you just like she helped me
@@cecileandrew2494 Honestly, all reviews about gina, are real. Am a living testimony, this great elites changed my life.
@@naamwynn1564 thanks! Will do 🙂.
Which is better credit karma or Experian? I use both now
This dude is mostly full of shit....secured credit cards are crap because your using your own money you're not being loaned the money. Credit karma is a scam. Unsecured credit cards, house/car/personal loans are the main and only players to bring your credit up.. Experian, Equifax, and transunion are the only credit reports that get reported to which give you your actual credit scores. They may not be exactly the same but they're close. My experian is 723, equifax is 721, and transunion is 730. Experian also uses cell phone.bills, utilities, and even Netflix to raise your credit
Hi Naam, I have my daughter as an authorized user on one of my credit cards and I was wondering if I was to pass away will the card be my daughters responsibility?
Legally no
What can I do to allow her to be able to continue to use the card and it remain on her credit
@@AngelaRodriguez-du1go uhh send’ me’ a maiI below. Ok
@@AngelaRodriguez-du1go
~Naamwynn19~
~G• MalL~
@@AngelaRodriguez-du1go
Wynnnaam
GmaiI’
Thanks for the tips
Hi .pls can u make me understand this. So in my credit report it’s always saying saying that my utilization is zero each mont is that bad or good?
You teach finance as well?
When trying to get late payments removed on an active account, if it cannot be verified by the bureaus, do they remove that late payment and show on time payment for that month, show no information available for that month, or delete that account off the credit report? I want to get my late payment history corrected but not sure how disputing with the credit bureaus affects the active account if they cannot verify the information to be accurate.
I had 2 stores close down due to COVID I think and both my cc were closed. How do I remove that?
3 1 7 9 4 3 3 3 8 4 would assist you
@@cecileandrew2494 Honestly, all reviews about gina, are real. Am a living testimony, this great elites changed my life.
How off is credit karma to fico, is it much different, or just a few points?
40-50 point difference 😂
I am the Director of Tax and Accounting at a family office which manages over 15 brokerage accounts. We switched to BADKHENCORP at the beginning of 2015 and have been very pleased with the product. We transitioned from a much more expensive program to find the BADKHENCORP is not only a better value but it's an overall a superior product across the board. It may not be applicable to a large financial institution, but it meets everything we were looking for in terms of a financial management software." - Orrin, CPA, Maralo, LLC
Can i request for a credit report using iTIN? Where’s the best thing to request using ny ITIN?
No.
Subtly flexing the NavCom in the shadowbox in the back, haha
Aye! Good eye!
youtube people needs to talk about usage percent
Watch this ruclips.net/video/WaIacYRPDBE/видео.html
Totally don’t get tradelines...
What up Naam?
Sup!
@@NaamWynn awesome content.....keep it going
Thanks Drew!
Naam my credit score is 780 how can I get it to a 800??
Congrats. Its just come down to time. Stop applying for new lines of credit and keep doing what you're doing. The age of credit really matters once you get that high.
As if your Marine Corps flag wasn't enough you said behoove, some things we can't break from our service lol
If I have late payments that are accurate can they still get removed?
3 1 7 9 4 3 3 3 8 4 would assist you
@@cecileandrew2494 Honestly, all reviews about gina, are real. Am a living testimony, this great elites changed my life.
My dad's credit score is 848 lol 🤣
Aye. That’s awesome!
Ask him to add me as an authorized user I need help
Naam Wynn I am now 785 should I pay off the rest of my debt will my score go down?
It may just temporary, but it will bounce back in a month or 2
@@NaamWynn thank you
SO MANY BOTS JESUS CHRIST
Naam i don’t have any negative marks but my utilization is high 70% my credit limit is about $71k I have no installment payments only revolving how can I add good trade lines and a good installment? IOcq , kickoff, self ? I’m currently on SSDI how my Equ, 690 , Exp 696 not sure of my Tran any suggestions??? I would greatly appreciate it
Your best best is to resolve the debt, the quicker you pay it off, the better the score will be. You might to consider debt consolation, this will save on interest and boost your score.
🙌🏾
Hereeeeeee
You talk too fast,slow down.