I have never taken a mortgage or auto loan, I have one single credit card, and my credit score is 790+. Just pay your bills on time and don't max you shyt.
Your bills don’t affect your credit score… expect the actual bill on the credit card and you may want to explore more credit cards to get you over a 800 score
@@himeyalvaradoslaying only had credit for a few years and had a non existent report before that and mines at 804 now. Only one credit card is necessary
The day of the month you make your payment also matters. Make your payment (minimum or payoff) prior to the closing date of the account. That way, the lower balance will be reported to the credit bureau. This will lower your debt to available ratio, which will raise your score over time.
@@redlunamod6090 Banks report your balance on the closing date of the account to the credit bureaus. Example: you purchase a fridge for $1000 on your card. You make a payment of $500 prior to the card's closing date. The card company reports a balance of $500 to the credit bureau. This lowers your debt ratio, resulting in a higher score. There are many videos on RUclips that explain this in greater detail.
@@redlunamod6090 It is printed on your statement. Closing date is the last day of a billing cycle, while a due date (usually 21 days later) is the deadline for your minimum payment to avoid late charges.
Mine was under 400 in 2016 and currently 750. His videos helped a lot. Graham should do one on how to build business credit for self employed/small business
I’m not sure how old you are man but I took his advice as soon as I turned 18 and now I’m 18 and half with a 732!! That’s ridiculous for my age group cant thank this man enough!!!
With the way things are moving, I think I need to see a video on "How to survive amidst the present recession". I mean, everything is in shambles. Surprisingly I heard people still make over 100K within a few months, seems I am getting it all wrong.
Have this at the back of your mind. There are good days, and there are bad days. It is a zero-sum game. Always follow these tips: Save, and Invest wisely, by diversifying your investments so that when another is down, the other will be up. An experienced specialist whose platform has diverse investment choices to pick from can help you achieve this. I can recommend one if you don't mind. By doing so, you give little room for regrets and perhaps gain more.
@@patriciacleveland2588 Generally, diversification is a key factor. Don't put all your eggs in one basket. Pragmatically, I have been into all of these for some time, though I won't say I have made or lost a fortune. Pls do say the specialist with diverse investing choices as you said. It's quite rare! I anticipate your response.
@@kathleenstoner.n7499 Funny enough, I can honestly relate. I don't know if I am permitted to drop this here, but do run a check on Sandra Yvonne Webster. Was in the news a lot a few months ago.
@@patriciacleveland2588 In all honesty, this is the second time I am coming across the name "Sandra Yvonne Webster". The first was Last Tuesday at a summit on the economic bubble in CA, there were lots of testimonials, with proofs from her clientele on how they gain daily with her. The testimonies were so impressive and sounded too good to be true. I had to make some research and found out she's one of the oldest by ranking and has a very large clientele base. I am still a bit skeptical. Do you work with her? Thanks.
Great video! I have two fraud inquiries on my reports that I would like to get removed. I've seen your video regarding this, but Im still a bit confused. So I know my first step would be making a call with the credit bureau (Experian) but should I also make call what time? And would I be never stop sending you to the *850 credit Restoration* to my friends and people I know regarding any credit situations...
hey, i started watching you at 17 years old. I'm now 19 and following all your tips i just hit 700. score. thank you for all the helps!! lets keep that number rising
Getting your credit sweep and cleaned at this time can be stressful but with the above channel get yours ..... Me and my friends got ours removed with him had a great review with him working on ours and that's the page above drop your review after working with him send a dm on IG probably one of the best in that area 🌐🌐🌐
A lot of the time people ruin their credit before they even realize how important it is. The 18-year-old who wants a better wardrobe, or the single guy who wants to get a motorcycle. Your first and only big investment/cash drop should be a home. Stay focused on never ruining your credit because it makes a huge difference in life.
I know NOTHING about credit cards and finance when I turned 18. I quickly racked up debt, but eventually paid it off. Now I have no credit card debt and my score just hit 850 for the first time a couple months ago. 👍
I’m 20 years old. Just got a credit card last month and It’s been going great. I watched alot of your videos before starting so thank you! Fun fact I watched Dave Ramsey until I found you.
Graham, thank you for teaching me what the world doesn’t want us to know. Thank you thank you thank you, ily😭 I share all ur videos that I watch so we can help more ppl!😩
Bro what????? What did u do? 😂 Would u actually mind sharing more about that because it sounds impossible to go from 600 to being almost Green on every category in 1.5 years
Something you never talk about when you make these videos is the impact of paying balances off and keeping it at zero, closing an account, getting a new account. These really bring your credit score down alot
I'm going to be honest super long time subscriber have watched more credit score videos from you then I can count. Honestly clicked on this going there's no way this can be interesting... Wrong best one yet! Was hooked all the way through..... Just when I think you can't do it better you do. Much love keep up the good work.
Can't wait to turn 18 later this year and start building credit. I feel like I've got such an advantage on everyone else going into my adult life from watching your videos for a couple years
Love these credit card videos. I actually implemented some of the things you said in your previous videos and eventually got my score up to 800+ which was huge when I went to actually buy a house.
The way I had built my credit score from sucky score to now 825 fast is to pay my cards twice a month and that seems really helps me to where I'm today.
Current credit score 790... Looking to keep building it of course, but to build a credit I think it is important to use one frequently and pay it off ASAP.. simple as that.. Stop spending what you dont have and/or buying what you dont need..
Best way is to keep a balance of 20-30% or under until the last few days it is due, then pay it off. This shows the credit bureau that you can hold a balance and still pay it off. Sure you will pay a little interest but it will save you money in the long run.
Most times it amazes me greatly the way I moved from an average lifestyle to earning over 63k per month, utter shock is the word. I have understood a lot in the past few years to doubt that opportunities abound in the financial markets, The only thing is to know where to focus.
@@williamleonard2242It's amazing to see others who trade with Mrs Debbie Ramirez, I'm currently on my 5th trade with her and my portfolio has grown tremendously.
Thanks for all the great advice, I have been watching for a while and last summer I finally opened a credit line,and with all the advice you have given my score just yesterday hit 700!
Funny how you uploaded this literally when I just seen one of ur old credit card videos yesterday lol. Also I’m hoping to hit 800 by the end of the year or next year
Credit Karma is great! That was how my fiancé found out someone opened up a credit card in his name. So glad we were able to catch it in time before the person opened up more credit cards.
My credit takes a dive every time I buy an investment property and then rebounds even better once it's all established. I'm also young too so it makes since I don't have many years of credit history behind me. Still around 750 though thanks to channels like Grahams!
Hi Graham, I love your videos and I am currently writing my dissertation on how social media can influence financial literacy and investor behavior, and I would really appreciate if you could spare 20-30 mins for an interview for this project. Thanks in advance and keep up the good work, Adorján
Graham, could you do a video about 'what you can do with a perfect credit score'? Lower interest rates are fantastic, but does credit score matter at all for ppl not borrowing/credit any $$?
@@randomicon918 Nope?? Credit scores are utilized when you attempt to open a new bank account, when you get an insurance policy, when you attempt to rent an apartment or house, and even when you apply for a new job.
I find it funny that having more credit available to you is seen as less risky. A sort of "yeah, if he needs to he can just borrow from that other guy to pay us back" lol
It definitely seems contradictory. Similar to the topic of good debt versus bad debt. To many this may sound silly, because it's still debt either way.
My credit score is 847/850, which is essentially perfect. All I did was pay off my credit cards on time, all the time. Not sure it has ever gotten me anything. I did lease a car no money down, but I am sure you don't need a perfect credit score to do that.
This video is one of the best videos I've ever seen in terms of credit cards and how they work. I hope younger people can see this to help them in the future
Hi Graham, it would be good to see a video on mortgages and also on medical debt. Some people say medical debt almost doesn't matter on a credit report because lenders understand.
I recently got some $$$ saved and i was going to waste it but now ive re considered and decided to just pay off my debt and fix my credit now instead of waiting for it to get worse, this hurts i really wanted something.. but its for the best
As long as I pay my cards off in full before the due date and don’t use it until my statement has cleared, I can literally max out my card and my utilization is always 0
I am 18k in debt, I am new with debt didn’t know how to used it and they tricked me with the cash back I used my credit card to the limit thinking I was going to make money with the cash back and now I have the 18k in debt that I am gonna have to pay interest on at17% they got me but I learned my lesson I am going to pay this debt and increase my credit score in the process
I remember watching an older video of yours about the same topic, it really helped me a lot. I’ve enjoyed watching your channel grow so much and you deserve it. Thanks Graham. I’ll share your videos with my sisters and friends.
Thanks graham I used to watch your videos when I was 17 and as soon as I turned 18 i opened a credit card and now my credit is 730 and it’s been like that for a year now
That is an installment loan and affects your credit differently than a credit card. This is like saying it would be bad for your credit to pay off an auto loan.
I have never taken a mortgage or auto loan, I have one single credit card, and my credit score is 790+. Just pay your bills on time and don't max you shyt.
You probably should work on getting a few more cards
Your bills don’t affect your credit score… expect the actual bill on the credit card and you may want to explore more credit cards to get you over a 800 score
@@AM-nm1oe Why when I have an almost perfect credit score?
@@himeyalvaradoslaying only had credit for a few years and had a non existent report before that and mines at 804 now. Only one credit card is necessary
What credit utilization do you always let report to the bureau
Bubble wrap this man and protect him at all costs. Blessings
We must build a statue of him
💯
I would kidnap him if i could to get all the information from him
@@jesuslovesyou1 iiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiib
Hardly anyone is gonna take advantage of this. We all kno this
This video should be shown in all public schools to the senior class.
It might be crazy what im about to tell you…
The day of the month you make your payment also matters. Make your payment (minimum or payoff) prior to the closing date of the account. That way, the lower balance will be reported to the credit bureau. This will lower your debt to available ratio, which will raise your score over time.
I don’t get it, can you explain it further ?
@@redlunamod6090 Banks report your balance on the closing date of the account to the credit bureaus. Example: you purchase a fridge for $1000 on your card. You make a payment of $500 prior to the card's closing date. The card company reports a balance of $500 to the credit bureau. This lowers your debt ratio, resulting in a higher score. There are many videos on RUclips that explain this in greater detail.
@@trainingwheels1408 closing date is the due date? That’s where I’m confused at ?
@@trainingwheels1408 I just searched it up and it’s 2 different things, how can you find your closing date ?
@@redlunamod6090 It is printed on your statement. Closing date is the last day of a billing cycle, while a due date (usually 21 days later) is the deadline for your minimum payment to avoid late charges.
Thanks Graham my credit score went from 400’s to almost 700 in a matter of months because of your other videos
Mine was under 400 in 2016 and currently 750. His videos helped a lot. Graham should do one on how to build business credit for self employed/small business
Wow thats amazing i Really need my credit to build so i am on a road to recovery
Noelle Randall does some great business credit videos. She is like Graham with a bit more energy
How long did it took?
HIM 500 On RUclips does exactly that. He is dope!! Based here in Atlanta and helps many people do that
I began following your credit building methods back in October of 2020, and it has changed my life. You rock man, your content has changed my life.
so happy to help!
I’m not sure how old you are man but I took his advice as soon as I turned 18 and now I’m 18 and half with a 732!! That’s ridiculous for my age group cant thank this man enough!!!
In what ways has it changed your life if you don’t mind me asking
With the way things are moving, I think I need to see a video on "How to survive amidst the present recession". I mean, everything is in shambles. Surprisingly I heard people still make over 100K within a few months, seems I am getting it all wrong.
Have this at the back of your mind. There are good days, and there are bad days. It is a zero-sum game. Always follow these tips: Save, and Invest wisely, by diversifying your investments so that when another is down, the other will be up. An experienced specialist whose platform has diverse investment choices to pick from can help you achieve this. I can recommend one if you don't mind. By doing so, you give little room for regrets and perhaps gain more.
@@patriciacleveland2588 Generally, diversification is a key factor. Don't put all your eggs in one basket. Pragmatically, I have been into all of these for some time, though I won't say I have made or lost a fortune. Pls do say the specialist with diverse investing choices as you said. It's quite rare! I anticipate your response.
@@kathleenstoner.n7499 Funny enough, I can honestly relate. I don't know if I am permitted to drop this here, but do run a check on Sandra Yvonne Webster. Was in the news a lot a few months ago.
@@patriciacleveland2588 In all honesty, this is the second time I am coming across the name "Sandra Yvonne Webster". The first was Last Tuesday at a summit on the economic bubble in CA, there were lots of testimonials, with proofs from her clientele on how they gain daily with her. The testimonies were so impressive and sounded too good to be true. I had to make some research and found out she's one of the oldest by ranking and has a very large clientele base. I am still a bit skeptical. Do you work with her? Thanks.
@@sonyablack2015 Yes, I do. Her AI-driven trading interface made waves a few months ago.
Great video! I have two fraud inquiries on my reports that I would like to get removed. I've seen your video regarding this, but Im still a bit confused. So I know my first step would be making a call with the credit bureau (Experian) but should I also make call what time? And would I be never stop sending you to the *850 credit Restoration* to my friends and people I know regarding any credit situations...
So is the 850 like a cult or something?
I send so many people to this video. Such a concise way to teach credit to someone who is starting off.
When you invest you're buying a day you don't have to work
@Hart Thim you're right it's obvious a lot of people remain poor due to ignorance
Starting early is the best way to getting ahead of build wealth, investing remains the priority
Cry-pto currency will outsmart the banking system in the nearest future serving as a global fiat. Already making over 85% of my investment
Investments are stepping stone to SUCCESS, Investing is what create wealth
@@christopherhobb7702 bro how much btc did you have?
hey, i started watching you at 17 years old. I'm now 19 and following all your tips i just hit 700. score. thank you for all the helps!! lets keep that number rising
Keep it up man, I’ve been watching since 17 and just turned 20 and have gotten up to a 770!
Keep it up guys! I've been watching since 12 and just turned 13 and have gotten up to 790!
Nice video!
But my mentor would always say; Desire + Motivation + Action = Success
@luke ben Investments like Gold,Crypt0 ,Real Estates and lots more are the actions ….
Surprised to hear about Expert Sonia because I’ve been in a business meeting where she tutored about BTC!
@Linda poplin I made $3,000 in a week trading with her😃
I wish I had this information 10 years ago when I was 18.
Thank you for putting stuff like this out there Graham!
Agreed
Still young let's get it
Same
Getting your credit sweep and cleaned at this time can be stressful but with the above channel get yours ..... Me and my friends got ours removed with him had a great review with him working on ours and that's the page above drop your review after working with him send a dm on IG probably one of the best in that area
🌐🌐🌐
Luckily, I'm young and have Graham here 😂.
A lot of the time people ruin their credit before they even realize how important it is. The 18-year-old who wants a better wardrobe, or the single guy who wants to get a motorcycle. Your first and only big investment/cash drop should be a home. Stay focused on never ruining your credit because it makes a huge difference in life.
I know NOTHING about credit cards and finance when I turned 18. I quickly racked up debt, but eventually paid it off. Now I have no credit card debt and my score just hit 850 for the first time a couple months ago. 👍
@@joshua.butler nice work!
I’m 20 years old. Just got a credit card last month and It’s been going great. I watched alot of your videos before starting so thank you! Fun fact I watched Dave Ramsey until I found you.
Same haha
Same :0
Dave is primarily dealing with people with no self control or knowledge and can't control themselves and or have massive debt
Graham, thank you for teaching me what the world doesn’t want us to know. Thank you thank you thank you, ily😭 I share all ur videos that I watch so we can help more ppl!😩
Oh snap! Here goes Graham with the best advice yet! 🥰
Glad you think so!
A gem with top clarity! Thank you
I just moved to the US so this is extremely valuable for me. Thank you.
Never thought I’d watch a Graham Stephen credit card video but here I am.
Finally got a credit card.
I enjoy the improved editing and more consistent motion graphics lately 🔥🔥
For sure helps to visualize and understand the points
I appreciate that!
I had seen your previous video on credit score.
I got a perfect score now because of your video. Thank you for this.
Hey Graham, I have been watching you for 3-4 years now, the amount of value I have gained is immeasurable, thank you, much love
I love you too Graham
I already learned from you in your past videos. I went from 607 back in Aug - 2020 to an 800 in Dec 2021
Bro what????? What did u do? 😂 Would u actually mind sharing more about that because it sounds impossible to go from 600 to being almost Green on every category in 1.5 years
wow, incredible progress!
Something you never talk about when you make these videos is the impact of paying balances off and keeping it at zero, closing an account, getting a new account. These really bring your credit score down alot
Closing an accident hurts u. I thought the opposite, when I paid off my 350z.
this was more a what to not do rather than a what to do like the previous videos about Creditcards.
I'm going to be honest super long time subscriber have watched more credit score videos from you then I can count. Honestly clicked on this going there's no way this can be interesting... Wrong best one yet! Was hooked all the way through..... Just when I think you can't do it better you do. Much love keep up the good work.
Can't wait to turn 18 later this year and start building credit. I feel like I've got such an advantage on everyone else going into my adult life from watching your videos for a couple years
I feel the same way. I turn 18 in a month and I’m ready to get going.
keep watching his videos and you’re gonna be incredibly successful
i’m turning 18 in two months and i feel so ready for the financial adult world
when i was 17 i overdosed on fentanyl@@sara.danielaa
Crazy glazing
Followed your advice and now my credit score is amazing!! Thanks!!🔥
Your brush so Broad it helps the kind of broke.
You inspire yourself rather than others
Love these credit card videos. I actually implemented some of the things you said in your previous videos and eventually got my score up to 800+ which was huge when I went to actually buy a house.
Right now I’m 19, in college, and have a 750 credit score, I want to become a millionaire one day
This is amazing
I really need this because I wanna buy my first rental property at 21
The way I had built my credit score from sucky score to now 825 fast is to pay my cards twice a month and that seems really helps me to where I'm today.
Graham been watching for years. Helped open my eyes, ty for everything.
Graham is the only reason I even have money at this point
I'll take my 10% cut, please ;) lol jk
I got my first apartment at 18 listening to this man
Current credit score 790... Looking to keep building it of course, but to build a credit I think it is important to use one frequently and pay it off ASAP.. simple as that.. Stop spending what you dont have and/or buying what you dont need..
Best way is to keep a balance of 20-30% or under until the last few days it is due, then pay it off. This shows the credit bureau that you can hold a balance and still pay it off. Sure you will pay a little interest but it will save you money in the long run.
Old School Graham videos are great!
Most times it amazes me greatly the way I moved from an average lifestyle to earning over 63k per month, utter shock is the word. I have understood a lot in the past few years to doubt that opportunities abound in the financial markets, The only thing is to know where to focus.
@@williamleonard2242 Really, are you giving her your money or your coin?
@@williamleonard2242It's amazing to see others who trade with Mrs Debbie Ramirez, I'm currently on my 5th trade with her and my portfolio has grown tremendously.
@@thomasnorris7285 Do you know her?
@@ebonicalbert5711Yes of course, she's currently my trading account manager.
I've been trading under her supervision for years now.
Im 18 and applied (and was accepted) for my first credit card yesterday. Suspisciously convenient RUclips recommendation.
Thanks for all the great advice, I have been watching for a while and last summer I finally opened a credit line,and with all the advice you have given my score just yesterday hit 700!
This is the most excellent advice I've every heard....
basic, yet everything I need to know.
excellent.
One of the best videos on credit advice! Thank you sir!
As a International (Venezuela) US Bank customer having 823 feels great. ZERO DEBT as well.
I hope you are well Gram, thx for the vid.
I’d be broke without Grahams videos
happy to help!
I’ve had a perfect 850 twice in my life. Won’t ever happen again since I learned about churning credit cards!
Liked button smashed, ready for today's Gem 💎 Thanks Graham
the credit utilization tip was mind blowing
Thank you, your advise was even helpful for my credit score in Germany. Managed to buy my first apartment by 25.
Glad I could help!
*advice
@@DarkLight-hl2do There’s a difference in meaning regardless of region
This works opposite in Australia, where we are encouraged to keep credit limit as low as possible.
Thanks for the tips. Will definitely share this on my social media accounts.
THANK YOU thank you Graham
This helped me out so much! Thank you!!!!
Funny how you uploaded this literally when I just seen one of ur old credit card videos yesterday lol.
Also I’m hoping to hit 800 by the end of the year or next year
What's up Graham! I can't wait to hit an 800 credit score! On my way there by watching you! 👍💙😁☕
:)
Watching Graham doesn't do anything for your score. That's why I'm unsubbing.
Thank you so much Graham! I’m only 12 and I have all the knowledge I need💸💸💸
thanks as always for the help and support that you give out
you got it!
i just got a credit card literally the other day so this video was perfectttt timing!!!!!! LETS GOOOO
awesome!
Dave Ramsey is going to hate this….
Right!!? 😆
Also, collections due to medical bills do not show up on your credit report by law, so they do not impact your credit score.
How can i get my score increase?
I don't know maybe watch the video?????
Credit Karma is great! That was how my fiancé found out someone opened up a credit card in his name. So glad we were able to catch it in time before the person opened up more credit cards.
My credit takes a dive every time I buy an investment property and then rebounds even better once it's all established. I'm also young too so it makes since I don't have many years of credit history behind me. Still around 750 though thanks to channels like Grahams!
Investment property? Get a real job.
@@joewhitlow5799 bruh have you not watched anything on this channel?
I live in Bulgaria and i want to live in USA just to try your credit score methods. You rock!
you got it!
You don’t need the credit score yet the credit score needs you… let that sink in
773 working my way up 800 😎
Hi Graham, I love your videos and I am currently writing my dissertation on how social media can influence financial literacy and investor behavior, and I would really appreciate if you could spare 20-30 mins for an interview for this project. Thanks in advance and keep up the good work, Adorján
I love it! You got to post one of these videos every year lol
Graham, could you do a video about 'what you can do with a perfect credit score'? Lower interest rates are fantastic, but does credit score matter at all for ppl not borrowing/credit any $$?
Nope, Credit scores are only relevant for credit..
@@randomicon918 Nope?? Credit scores are utilized when you attempt to open a new bank account, when you get an insurance policy, when you attempt to rent an apartment or house, and even when you apply for a new job.
@@trainingwheels1408 credit score has absolutely nothing to do with applying for a new job but ok lol 😂
Thank you from the bottom of my heart
I find it funny that having more credit available to you is seen as less risky. A sort of "yeah, if he needs to he can just borrow from that other guy to pay us back" lol
It definitely seems contradictory. Similar to the topic of good debt versus bad debt. To many this may sound silly, because it's still debt either way.
Hey Graham, I've been watching you for a few years now and just this month I hit the 800 mark!
My credit score is 847/850, which is essentially perfect. All I did was pay off my credit cards on time, all the time. Not sure it has ever gotten me anything. I did lease a car no money down, but I am sure you don't need a perfect credit score to do that.
I'm on 894. Built it from 256 before I started paying attention to my credit history.
I've been stuck at a 790 for years. I dream of one day making it to the promised land of 800+
Took me FOREVER to get from 790-800!
i’m stuck at 750 but i’m only 19 :/
732 at 18 and half😏
I’m stuck at 820. Life is hell!
This video is one of the best videos I've ever seen in terms of credit cards and how they work. I hope younger people can see this to help them in the future
Hi Graham, it would be good to see a video on mortgages and also on medical debt. Some people say medical debt almost doesn't matter on a credit report because lenders understand.
It is getting ready to fall off so that will work in your favor
Loved the graphics in this one!
Great content bro 👍🏾
Just subscribed today and I have to say thank you for the helpful advice.
Wow, this was a very helpful video. Thank you man. I really appreciate all the help, especially for us who are new to this. Much appreciated!!!
Hi
Just here to say thank you for all these great videos👏
Glad you like them!
I recently got some $$$ saved and i was going to waste it but now ive re considered and decided to just pay off my debt and fix my credit now instead of waiting for it to get worse, this hurts i really wanted something.. but its for the best
Graham should start an intro with -- “What’s Graham here? it’s Up Guys”
haha I'll do it
812! And I extended my credit limit another $10,000 yesterday.
Thanks Gram for doing this for us, this tutorial should be paid and you do it for free!!!!
Graham is a national treasure and musty be protected at all costs
As long as I pay my cards off in full before the due date and don’t use it until my statement has cleared, I can literally max out my card and my utilization is always 0
I am 18k in debt, I am new with debt didn’t know how to used it and they tricked me with the cash back I used my credit card to the limit thinking I was going to make money with the cash back and now I have the 18k in debt that I am gonna have to pay interest on at17% they got me but I learned my lesson I am going to pay this debt and increase my credit score in the process
I’m 19 with a 787 credit score due to these videos thank you :)
Great man!!
You’ve gained my respect
ah thanks!
I remember watching an older video of yours about the same topic, it really helped me a lot. I’ve enjoyed watching your channel grow so much and you deserve it. Thanks Graham. I’ll share your videos with my sisters and friends.
Thanks graham I used to watch your videos when I was 17 and as soon as I turned 18 i opened a credit card and now my credit is 730 and it’s been like that for a year now
Imagine if student loans open for 15 years, in good standing, are wiped away .... That's a hit to your score for sure
That is an installment loan and affects your credit differently than a credit card. This is like saying it would be bad for your credit to pay off an auto loan.
Early video but tysm I think that the credit score is super important in building wealth.
absolutely! so true
800????? I thought 850 is a perfect score.....My score is 822.
Trolling Dave Ramsey, Graham--I love it!