I’d like to put my share of experience here. A year ago I saw this video and I’ve been following all the steps Andrei stated and as of August 2021 I have a 750+ FICO credit score. Thank you! Ive been informing family and friends and I’ve been sharing this video because it’s so great I’d just wish they were a new one.
That's great information, thank you. I would add two things though. You want to take care of all derogatory remarks by facing the music with collections if you have those. Also, it's possible to boost your score very fast by convincing someone you know with a lot of credit to add you as an authorized user for one of their cards.
This is brilliant if only I saw this video a few months ago oops you got this posted Aug 26. I'm currently at 832 only a few will understand how easy and difficult it is to have such a high credit score just glad I'm here now.
First off, love your videos. Andrei, you have inspired me to finally take the plunge and start investing with Robinhood. Only 1k invested so far, but I will continue to march on with my dividend portfolio! Anyway, good advice as usual, but I would like to add my experience that may help some younger people. Simply put, I've had my credit card since I was old enough to get one (I'm 33 btw), and the only thing I've ever done is making sure not putting too much money on it every month, and pay it off, in full, every month. I've never missed a payment, and I think only once or twice have I not payed it off in full at the end of the month. Also, whenever I'd have a payment over a thousand dollars, I would make it a priority to pay it off entirely come bill time. That's it. My credit score is over 800.
My score is stuck around 800-810. They said I don't have enough debt, or owe enough money. They want me to spend more money. So basically, they want me to buy more things, that I don't need, or that I don't want, for no reason. I know I'll need a good score for a mortgages or car loans, but I'm not a big fan of interest. I'll just buy it in cash if I needed to. That or I won't buy it at all, and live in van by the river.
@@AndreiJikh I wasn't sure if I had to get it to 850 or something. That's the max score right.....? I NEED THE MAX SCORE! >.> Or is it all just a ploy? would my rates be better if I'm at 850 vs 810? Or is there no difference?
Thanks to mr Aiden from the company Strot tech I was able to pay off a massive student-loan that’s been only never for over 4 years even though I’m done with school It was affecting my credt and I already had a very low one and was running out of option My friend talked to me about using Aiden because he found him off Craigslist, I was honestly really skeptical at first but he promised and kept his words, I was able to also get a blazing scøre of 780 all thanks to him, now I’m living better with all the negatives taken off my acct, Aiden is without doubt the best
I am so glad I found your channel!! This was the most awesome explanation I have ever found! I just received my discover it card and checking one more time so I don't mess this up! I see life as a game that we are all trying to win , so this video is incredible! thanks Andrei!
I love you you are freaking hilarious, my son watches you for our financial section of homeschooling. I also run some support groups in my community for people recovering from addiction. And I’m going to use you to show them how to build there credit. Among other things that you provide for financial advice You are a very useful tool for me my career and my family thank you so much for being so awesome.
Although I've use Credit Karma, make no mistake their scores are off by approx 40 points. My Experian score is 770, but my CK scores constantly lagged behind at 727 & 738. I got frustrated and did a fico credit score check, and to my surprise, the scores C Karma was reporting as 727 & 728 where actually 767 equifax & 778 for transunion. Experian was correct at 770, so my combined actual Fico scores equaled 768. I heard other people say the same because C Karma uses the useless VANTAGE scoring model, as do other free credit apps. With that said, they are good for just an idea if your score is going up or down each month. But if you do like Andrei says, you can feel confident that your equifax & Trans union scores will be within approx 3 points of your Experian app, which is the only one that is accurate! I raised my score from a 0 start to 770 score in one year also.
- may I suggest you make SAMHACKSTECHNOLOGY correlating this to the Chinese Credit Scoring System; you know, the system where an entire nation's people are enslaved by their government over systems exactly like this? We need people who have influence to bring to light these types of correlations to get people asking and thinking or we will see ourselves slip into a tyrannical nightmare.
Gotta say, I got my first credit card at around September of last year and and my second at around May of this year and your words are speaking the absolute truth. My current FICO credit score is 742 and lines up with almost exactly what you said. Love your vids and keep kicking ass!
You have done the unthinkable good sir. From the very beginning of the video you almost immediately checked all the boxes of a RUclipsr who I would subscribe to. Jokes that make me laugh. A genuine personality. The obvious passion to help people simplify their life. You're amazing. Loved the magic too. Take care. :)
Best thing my parents did was put me on their credit card when i was young. They helped build my credit score to 751 and I am 19. I just opened my own credit card to help build it further.
I didn't start caring about a credit score until I turned 43. All my life I've just paid cash for everything. Now I have my first credit card (Discover It Secured), let's see what I can do to my terrible credit score.
Great video with great information! You forgot to mention that with the Capital One secured card your credit limit is automatically increased in the 6th month as long as you’ve paid on time in the first 5 months!
this was so informative and such a fun video to watch. i'm currently about to open my first credit card so thank you for your guidance and in depth explanations!
I've seen many videos on this subject but with the simplicity and clear way you explain it is very understanding to get to that goal in a very simple way, Thanks a lot for making it super clear on this video, and by the way your video editing is amazing!!! congrats! your video is very helpful.
I enjoy and appreciate your videos. They’re easy to understand, funny, and very very informative. I love the energy you put out. Keep them coming and thank you for all the wealth of information you put out there. These are the things we should have all learned cause learning that Christoner Columbus discovered America hasn’t done a thing for me yet and I doubt it ever will. Again thank you.
I swear to you that i watch this video once a week...you killed it with the substance of the content and the reference "on the way to be free" is the cherry on the cake !!!
What’s been said here about mr Aiden on STROT TECH is actually the truth of it all This dude really saved me and my sister by getting us a better credt because our parents died in an accident and left us with blazing dbts and there was nothing the lawyer could do about it, God knows he might have been involved I told my story to Aiden and he didn’t just increase our scre, he did it with a dscount and it only took us 3 days, since then my sister has opened her own business and it’s been really easy for us I really appreciate him, you’ll be surprised how many people in the world needs something like this done
I've been following a few tubers for credit. Ask sebby is one of them but man he talks so fast. Your information and presentation is great. I'm building my credit and have been doing your precise steps. Presently I'm at 711/727 since I started in 2016 and now have 8 cards. Thanks so much and just subbed your channel.
Experian boost is really helpful in building credit as well. I added my utilities (cell phone/Light bill) and my credit score has improved. Also self lender is great😊
I had a $200 secured card for about a year and I maxed it out every month and even paid it off twice each billing period😂 What’s insane is that using it like that didn’t ding me once for my utilization rate.
You’re doing it right. Pay it to 0 frequently and you’ll never pay interest or miss a payment, plus you’ll soon get be able to upgrade to cards that have rewards such as cash back(basically a discount, per the IRS).
I have used creditone to rebuild both our credit from under 600 to hubby 800 in about 8mo but he had a car loan and mortgage already plus over100k income. I just started recently 2mo or so now up to almost 700. I paid our cards off every month or before due but used 75% or so of credit. Now I'm 37 and he's 55 with bankruptcy and lots of history. My history was only 10k capital one balance because I was on my grandma card when she died and I didn't know about court until afterwards so got no say on my behalf. It took almost 10yr to get off my credit report. I love your video tho and did learn a bit in beginning pros. thank you
Agree with you 100% on Credit One Card they are some mess. Got a "charge off" from them and I never paid late always paid early but they won't take it off. And had Lex Law for a year and they weren't able to do anything either to get this straighten out. Just canceled Lex Law account on 9/5/19
I’ve watched this vid SO many times, totally worked. I never heard the background music until now (with myAirPods that I bought with a $200 bonus from my 3rd card). I wish I’d known this info back in the 90s. THIS keeps me grounded, high of 769 but I’m in the 720s after the holidays. Good Skills, as my Sensei use to say. Instead of Good Luck 😎
Why is it best to only spend 10% of your revolving credit? Why do credit card companies take that into consideration? Also will it affect your score the same if you spend 3% vs 8%...as long as it's under 10%?
Nathan Breunig the lower the better. I been experimenting for months and doing this. I let my revolving credit go up from 3 to 6% and my credit score went down. I did the same the following month from 6 to 9% and it went down( only a couple points but still) then I did pay it down. Went from 9 to 1% and credit score went up, ended up w higher score than where I was when I was at 3% utilization.
Nathan Breunig the lower the better, anything under 10% is good. They use this metric to see how impulsive and risky you are. So the less tempted you are to use what’s available, they view that as less risk. Makes sense!
We had re education for Party Approved Correct Thinking and Speech, and humanist socialist politics, and to vote for The Party. Comrades, who needs money when we have The Party?
Thanks for sharing so many perks of using Credit Cards. This method is the best way to build, repair, or establish your credit. I did this same thing and made a video about my process too.
Mr Andrei! Thanks for sharing all this with us! Very eye opening! I learned this the hard way! But over a year I've been at 754 score! Not enough to show off, thou 😅Keep it up.
Thank you! Hey 754 is exactly 4 points extra to show off! Good job! 750 is just about as high as anyone needs to "practically" go, I'd still show off 754 😆
Andrei, thank you for your videos, your content is great! However I can't find the answer to this simple question in any credit card video: I recently opened a credit card and my limit is $700, I use it all the time, on any of my purchases and spend around $120 every week, so I pay my balance in full every week in order to keep it low. My question is: Is it counts as if I'm using ~15% of my credit limit, meaning $120 or is it the amount I use during the month ~ $480? I can't understand how it works and what should I do with it. I would highly appreciate if you'd provide your advice. Thank you. Привет из Украины!
What counts is the amount you leave when your statement closes. So if you have a $500 card and you spend $120 every week, but pay it off every week it will not reflect the total spent for the month on your credit report. I do the same with all my cards. I buy and pay off as I go and make sure to be at 10% of my limit or less when they close the statement and send the next month's bill. Good luck.
Thanks Sal. It is pretty crazy that we’re not taught this at least in high school which when we should be starting. Basic finance ed should be mandatory classes
@@RemoteTactical hahaha yea sometimes I wonder if I would home school my kids or not...I feel like I would, to a certain grade for sure but just for social reasons, let them do the school thing
I recently got into medical debt which lowered my score. Thankfully, I’ve been following the steps in this video without even knowing it and have raised it up to 716 so far.
I’ve watched this vid SO many times, totally worked. I never heard the background music until now (with myAirPods that I pod fro with a bonus from my 3rd card). I wish I’d known this info back in the 90s. THIS keeps me grounded, high of 769 but I’m in the 720s after the holidays. Good Skills, as my Sensei use to say. Instead of Good Luck 😎
I've made a lot of research credit score repair and boost. And this is one of the best videos 🎥 I've come across. I already know all of these tricks: credit utilization (how often one uses his/her credit to make purchases), on-time monthly payment (paying one's credit card bills or loans on time every month even if it's the minimum payment), credit history age (how old are your credit cards 1, 5, 10 or 20+ years old) , and credit inquiry (often does one apply for credit cards or loans and how many within a short period of time), and the number of credit card one owns. Thank you for sharing this great and helpful video. 🤝 Keep up the outstanding job! 😎
Hey Andre, My wife and I are both at utilization averaging 4-6% and have consistent scores in the 730-750 range. Any tips on how we can leverage up to the next level?
My credit score is on its way down and i couldnt be happier. No need to pay interest anymore. Imagine paying 80% for your car because you payed with cash. Debt is dumb, cash is King.
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He did say Utilization counted for 30% of your credit score. The 10% he spoke of was 10% of your extended credit line (all of them added up) I hope it helped you and that I explained it correctly.
I like this Guy,I felt like I can watch him everyday.He’s like a teacher I never had.Im about to move out of my parents house and I’m making sure I Qualify for everything so I don’t depend on them
Hacking is 100% guaranteed with hacker scott via whatsapp +1(661)270-6247 Gmail-joescott2526@gmailcom. He does all kinds of monetary hack:(PAYPAL& BITCOIN hack, he helped raised my credit score to 880 and deposits $6000 to my bank account every fortnight) look, this has really been a means of survival for me and y'll can benefit from thisalso. You can also contact him via instagram @1scott_smith. !!! We all deserve to be happy.
Watched the whole video, and I dont regret it at all. Such an entertaining video with comedy! He should become a finance teacher for high school. Thank you very much.
10:12 THIS IS NOT TRUE !! You can Use any amount that You want...The Carry over Balance is the one that is not recommended to be more than 10%. If I have a $100 card, I can Use $90 but I have to make sure to pay at least $80 and in the credit report will show a $10 use.
To add to this individual utilization matters too which he did not mention he only said total utilization but if more than 10 percent is reported on any individual credit account it will count against you. In addition he should have stressed asking each creditor which day of the month they report because it will vary from creditor to creditor and most of them will not be on the 1st like one would assume.
I just reapplied for my capital one secured credit card thank you so much for keeping us ahead of the game. Love the video and love the energy keep up the great content👍🏾🔥
I used cash till I was 25 and never had a credit score. Paying on a mortgage or even a car isn't as helpful as getting a credit card and only utilizing a small percentage of your limit.
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Ok, I just got a new discover it student cash back card! And I’m planning to buy a new car with my mom paying 5000 down payment within 2020. Should I just be focusing on these steps and build a good score ? Sounds like a good plan? 😂😬
This is what I did, lmao! Got a discover card and set my Netflix to auto pay from that and set my discover card to auto pay from my bank. 0- 700 in 4 months!
@@ismaelmartinez9676 Only put one subscription on the card. Do not use the card for anything else. Set the card to auto-pay every month from your checking account. If you already had a netflix subscription you are essentially just moving how you pay the subscription to a credit card instead of your bank account. Call this credit card your netflix card and only use it for netflix and you should be on your way.
hello! i usually don't comment but i just wanted to let you know how grateful i am for your videos!! my parents are not really financially educated and have never been good with money, and i am going to graduate high school next year so i really need to start thinking about these things! thank you so much for your videos!
I’d like to put my share of experience here. A year ago I saw this video and I’ve been following all the steps Andrei stated and as of August 2021 I have a 750+ FICO credit score. Thank you! Ive been informing family and friends and I’ve been sharing this video because it’s so great I’d just wish they were a new one.
These are all some great points, I’ve done all these things and I raised my score 100 points in a year, not bad! Only up from here.
Well done!
I just consolidated my debts. Score jumped 30 points in one month.
Great
That's great information, thank you. I would add two things though. You want to take care of all derogatory remarks by facing the music with collections if you have those.
Also, it's possible to boost your score very fast by convincing someone you know with a lot of credit to add you as an authorized user for one of their cards.
This is brilliant if only I saw this video a few months ago oops you got this posted Aug 26. I'm currently at 832 only a few will understand how easy and difficult it is to have such a high credit score just glad I'm here now.
First off, love your videos. Andrei, you have inspired me to finally take the plunge and start investing with Robinhood. Only 1k invested so far, but I will continue to march on with my dividend portfolio! Anyway, good advice as usual, but I would like to add my experience that may help some younger people. Simply put, I've had my credit card since I was old enough to get one (I'm 33 btw), and the only thing I've ever done is making sure not putting too much money on it every month, and pay it off, in full, every month. I've never missed a payment, and I think only once or twice have I not payed it off in full at the end of the month. Also, whenever I'd have a payment over a thousand dollars, I would make it a priority to pay it off entirely come bill time. That's it. My credit score is over 800.
Congrats Dave! Thanks for sharing and congrats on starting to invest! 👍
Please, get out of ROBINHOOD, they are crooked as f...
My score is stuck around 800-810. They said I don't have enough debt, or owe enough money. They want me to spend more money.
So basically, they want me to buy more things, that I don't need, or that I don't want, for no reason.
I know I'll need a good score for a mortgages or car loans, but I'm not a big fan of interest. I'll just buy it in cash if I needed to. That or I won't buy it at all, and live in van by the river.
That’s a good enough credit score to get the best rates
Snafu2346 that’s an incredible score! You don’t need any more than that, flex that!!
@@AndreiJikh I wasn't sure if I had to get it to 850 or something. That's the max score right.....?
I NEED THE MAX SCORE!
>.>
Or is it all just a ploy? would my rates be better if I'm at 850 vs 810? Or is there no difference?
Thanks to mr Aiden from the company Strot tech I was able to pay off a massive student-loan that’s been only never for over 4 years even though I’m done with school
It was affecting my credt and I already had a very low one and was running out of option
My friend talked to me about using Aiden because he found him off Craigslist, I was honestly really skeptical at first but he promised and kept his words, I was able to also get a blazing scøre of 780 all thanks to him, now I’m living better with all the negatives taken off my acct, Aiden is without doubt the best
I'm really glad he was able to help you too
He got my grandson exactly something like this
Very perfect
I'm really glad he was able to help you too
He got my grandson exactly something like this
Very perfect
I'm really glad he was able to help you too
He got my grandson exactly something like this
Very perfect
I'm really glad he was able to help you too
He got my grandson exactly something like this
Very perfect
I'm really glad he was able to help you too
He got my grandson exactly something like this
Very perfect
This is great mile stone for someone coming from the same back ground these are a great tips that are very helpful
Thanks for the feed back!
So honest, so transparent and I actually got couple tips of this video. That’s why I deserves my like
I am so glad I found your channel!! This was the most awesome explanation I have ever found! I just received my discover it card and checking one more time so I don't mess this up! I see life as a game that we are all trying to win , so this video is incredible! thanks Andrei!
You graham stephen and credit shifu are the best honest gurus
Boi I’m a guru? SUCCESS! 😎😂 thanks man, that’s good company
I love you you are freaking hilarious, my son watches you for our financial section of homeschooling. I also run some support groups in my community for people recovering from addiction. And I’m going to use you to show them how to build there credit. Among other things that you provide for financial advice You are a very useful tool for me my career and my family thank you so much for being so awesome.
Although I've use Credit Karma, make no mistake their scores are off by approx 40 points. My Experian score is 770, but my CK scores constantly lagged behind at 727 & 738. I got frustrated and did a fico credit score check, and to my surprise, the scores C Karma was reporting as 727 & 728 where actually 767 equifax & 778 for transunion. Experian was correct at 770, so my combined actual Fico scores equaled 768. I heard other people say the same because C Karma uses the useless VANTAGE scoring model, as do other free credit apps. With that said, they are good for just an idea if your score is going up or down each month. But if you do like Andrei says, you can feel confident that your equifax & Trans union scores will be within approx 3 points of your Experian app, which is the only one that is accurate! I raised my score from a 0 start to 770 score in one year also.
this is the first video i’ve seen by you and that intro was fire
- may I suggest you make SAMHACKSTECHNOLOGY correlating this to the Chinese Credit Scoring System; you know, the system where an entire nation's people are enslaved by their government over systems exactly like this? We need people who have influence to bring to light these types of correlations to get people asking and thinking or we will see ourselves slip into a tyrannical nightmare.
Bro your name is fire! Same name as one of my favorite singers lol
Gotta say, I got my first credit card at around September of last year and and my second at around May of this year and your words are speaking the absolute truth. My current FICO credit score is 742 and lines up with almost exactly what you said. Love your vids and keep kicking ass!
Congrats! 742 is super solid!! You're almost at 750!
You have done the unthinkable good sir. From the very beginning of the video you almost immediately checked all the boxes of a RUclipsr who I would subscribe to. Jokes that make me laugh. A genuine personality. The obvious passion to help people simplify their life. You're amazing. Loved the magic too. Take care. :)
Very safe strategy. I just got one of the cards you recommended as well without watching your video previously. Gotta agree with you.
Best thing my parents did was put me on their credit card when i was young. They helped build my credit score to 751 and I am 19. I just opened my own credit card to help build it further.
How did it build your credit score if it was their line of credit? Did they just add you to the line of credit, similar to a co-sign on a vehicle?
Don’t panic! No worries you can increase your credit score within 24hrs without stress
Clara Hannah أنا مهتم بهذا
How is this real ?
Clara Hannah how?
Muhammed Salem I don’t understand Arabic you speak English ?
Amber Roseline 101 % real
I didn't start caring about a credit score until I turned 43. All my life I've just paid cash for everything. Now I have my first credit card (Discover It Secured), let's see what I can do to my terrible credit score.
Never too late! You’ll build it in no time
Follow Andrei's advice, and you'll be over 700 in no time at all, and working towards an excellent score of 740+
Eric Fullerton same here I’m 46 and just got my first CC about 6 months now and got 690 scores
Great video with great information! You forgot to mention that with the Capital One secured card your credit limit is automatically increased in the 6th month as long as you’ve paid on time in the first 5 months!
Thanks for sharing that. I have Capitol One and was wondering.
this was so informative and such a fun video to watch. i'm currently about to open my first credit card so thank you for your guidance and in depth explanations!
Great video man keep it up I’m going to apply for a credit card this week
I've seen many videos on this subject but with the simplicity and clear way you explain it is very understanding to get to that goal in a very simple way, Thanks a lot for making it super clear on this video, and by the way your video editing is amazing!!! congrats! your video is very helpful.
Credit is the secret to wealth in this country. Great video!
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Terrific job with presenting this information in an entertaining way
Bro on life this one of the funniest intelligent videos I've seen my life! Mom just passed away so appreciate!
Thanks man, sorry to hear that, hope you have a brighter better day
My condolences on your loss.
Keep your head up bro.... I truly send my condolences
I enjoy and appreciate your videos. They’re easy to understand, funny, and very very informative. I love the energy you put out. Keep them coming and thank you for all the wealth of information you put out there. These are the things we should have all learned cause learning that Christoner Columbus discovered America hasn’t done a thing for me yet and I doubt it ever will. Again thank you.
I swear to you that i watch this video once a week...you killed it with the substance of the content and the reference "on the way to be free" is the cherry on the cake !!!
Now I’m the Gang 800+ I appreciate him 15125220557..
What’s been said here about mr Aiden on STROT TECH is actually the truth of it all
This dude really saved me and my sister by getting us a better credt because our parents died in an accident and left us with blazing dbts and there was nothing the lawyer could do about it, God knows he might have been involved
I told my story to Aiden and he didn’t just increase our scre, he did it with a dscount and it only took us 3 days, since then my sister has opened her own business and it’s been really easy for us
I really appreciate him, you’ll be surprised how many people in the world needs something like this done
I'm really glad be was able to help you too
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I'm really glad be was able to help you too
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I'm really glad be was able to help you too
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I'm really glad be was able to help you too
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I'm really glad be was able to help you too
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I've been following a few tubers for credit. Ask sebby is one of them but man he talks so fast. Your information and presentation is great. I'm building my credit and have been doing your precise steps. Presently I'm at 711/727 since I started in 2016 and now have 8 cards. Thanks so much and just subbed your channel.
Appreciate it Joe! :)
Experian boost is really helpful in building credit as well. I added my utilities (cell phone/Light bill) and my credit score has improved. Also self lender is great😊
I had a $200 secured card for about a year and I maxed it out every month and even paid it off twice each billing period😂 What’s insane is that using it like that didn’t ding me once for my utilization rate.
You’re doing it right. Pay it to 0 frequently and you’ll never pay interest or miss a payment, plus you’ll soon get be able to upgrade to cards that have rewards such as cash back(basically a discount, per the IRS).
I have used creditone to rebuild both our credit from under 600 to hubby 800 in about 8mo but he had a car loan and mortgage already plus over100k income. I just started recently 2mo or so now up to almost 700. I paid our cards off every month or before due but used 75% or so of credit. Now I'm 37 and he's 55 with bankruptcy and lots of history. My history was only 10k capital one balance because I was on my grandma card when she died and I didn't know about court until afterwards so got no say on my behalf. It took almost 10yr to get off my credit report. I love your video tho and did learn a bit in beginning pros. thank you
christina christensen hi
I can help you out
How? Im past the hard part with bas credit on record. I also have a lot of student loans but they are in good standing.
christina christensen where are you from?
christina christensen you can text me on WhatsApp:-(804) 596-0113 let’s chat better
@@amaslivia6331 I'm in OH or PA but perm add IN
OH
Agree with you 100% on Credit One Card they are some mess. Got a "charge off" from them and I never paid late always paid early but they won't take it off. And had Lex Law for a year and they weren't able to do anything either to get this straighten out. Just canceled Lex Law account on 9/5/19
It will come off in 7 years.
@@msbeautyboss3784 yes I know.. Thx
this is going to help alot
Building up my credit right now, on my way to 800! I started with a secured card too:) Thanks for another vid Andrei! 😎
So close to 800!
Where you at now with it?
@@Mrfantastic92 I got my credit score moved from 520 to 805 through the help of John hack ,you can contact him on +1 4 2 4 3. 2. 8. 19. 6 -6
Very informative and step by step guide for beginners. Thank you Andrei !
I’ve watched this vid SO many times, totally worked. I never heard the background music until now (with myAirPods that I bought with a $200 bonus from my 3rd card). I wish I’d known this info back in the 90s. THIS keeps me grounded, high of 769 but I’m in the 720s after the holidays. Good Skills, as my Sensei use to say. Instead of Good Luck 😎
Why is it best to only spend 10% of your revolving credit? Why do credit card companies take that into consideration? Also will it affect your score the same if you spend 3% vs 8%...as long as it's under 10%?
Nathan Breunig the lower the better. I been experimenting for months and doing this. I let my revolving credit go up from 3 to 6% and my credit score went down. I did the same the following month from 6 to 9% and it went down( only a couple points but still) then I did pay it down. Went from 9 to 1% and credit score went up, ended up w higher score than where I was when I was at 3% utilization.
Nathan Breunig the lower the better, anything under 10% is good. They use this metric to see how impulsive and risky you are. So the less tempted you are to use what’s available, they view that as less risk. Makes sense!
This is what they should've taught us in school....
I know right?!
We had re education for Party Approved Correct Thinking and Speech, and humanist socialist politics, and to vote for The Party. Comrades, who needs money when we have The Party?
7 M.A. R.Z. 7 I was a straight A student 😉 so yeah, I’d have went.
This and how to balance a checkbook.
Haha ya right
Thanks for sharing so many perks of using Credit Cards. This method is the best way to build, repair, or establish your credit. I did this same thing and made a video about my process too.
Good video. Haha, Instant like after the Skyrim reference.
Hi Andrei im learning from your vlogs about ways to acquire Money. thank you
Thanks Emilrino!
Mr Andrei! Thanks for sharing all this with us! Very eye opening! I learned this the hard way! But over a year I've been at 754 score! Not enough to show off, thou 😅Keep it up.
Thank you! Hey 754 is exactly 4 points extra to show off! Good job! 750 is just about as high as anyone needs to "practically" go, I'd still show off 754 😆
Andrei, thank you for your videos, your content is great! However I can't find the answer to this simple question in any credit card video: I recently opened a credit card and my limit is $700, I use it all the time, on any of my purchases and spend around $120 every week, so I pay my balance in full every week in order to keep it low. My question is: Is it counts as if I'm using ~15% of my credit limit, meaning $120 or is it the amount I use during the month ~ $480? I can't understand how it works and what should I do with it. I would highly appreciate if you'd provide your advice. Thank you. Привет из Украины!
What counts is the amount you leave when your statement closes. So if you have a $500 card and you spend $120 every week, but pay it off every week it will not reflect the total spent for the month on your credit report. I do the same with all my cards. I buy and pay off as I go and make sure to be at 10% of my limit or less when they close the statement and send the next month's bill. Good luck.
@@Candikanelane Thanks a lot! Have a good luck as well!
Just found your channel. The best, great video, great personality. Thanks.
First time here. What a content! Informative, straightforward, and funny. Thank you!
I’ve never seen anyone do it better
Great information Andrei! It's amazing to me that none of this is taught in high school (or earlier). They just say, get a credit card ... have fun.
For the most part your parents should teach you these things and the lesson only stick to those who actually are making money
@@henrytep8884 I would agree with that, generally. But I know MY parents didn't teach me this, nor did any school ... has to start somewhere - US :D
Thanks Sal. It is pretty crazy that we’re not taught this at least in high school which when we should be starting. Basic finance ed should be mandatory classes
@@AndreiJikh The perks of homeschooling our kids: I can brainwaaa...I mean teach them correctly :D
@@RemoteTactical hahaha yea sometimes I wonder if I would home school my kids or not...I feel like I would, to a certain grade for sure but just for social reasons, let them do the school thing
High-five to you! 🤚
You're funny, and an attention grabber... keep up the great work! I really liked this video.
I agree he provides so much value when it comes to his content
0:15 thanks for the numbers on the card
Best documentary on building credit. Life is hard so you have to be prepared....
Thank you!!
I recently got into medical debt which lowered my score. Thankfully, I’ve been following the steps in this video without even knowing it and have raised it up to 716 so far.
STROT NET is D right place for issues like this
I’ve watched this vid SO many times, totally worked. I never heard the background music until now (with myAirPods that I pod fro with a bonus from my 3rd card). I wish I’d known this info back in the 90s. THIS keeps me grounded, high of 769 but I’m in the 720s after the holidays. Good Skills, as my Sensei use to say. Instead of Good Luck 😎
My score is 800 as of today. I don’t focus on how to increase it lol. I follow one rule. I just pay bills on time.
Thank you, this one earnd you my subscription👍.
Thanks for this video Andrei! Helped me a lot. 👍
No problem, thanks for watching! :)
5:30 The photographer in me just died a little... You gotta warn me next time damn lol
Was it that convincing? Great success! 😂
Thank you for this video
I've made a lot of research credit score repair and boost. And this is one of the best videos 🎥 I've come across. I already know all of these tricks: credit utilization (how often one uses his/her credit to make purchases), on-time monthly payment (paying one's credit card bills or loans on time every month even if it's the minimum payment), credit history age (how old are your credit cards 1, 5, 10 or 20+ years old) , and credit inquiry (often does one apply for credit cards or loans and how many within a short period of time), and the number of credit card one owns.
Thank you for sharing this great and helpful video. 🤝 Keep up the outstanding job! 😎
All these bot accounts that’s spamming creditbackdoor😂
From broker spams to credit score spams
I'm reporting them all as spam.
Hey Andre, My wife and I are both at utilization averaging 4-6% and have consistent scores in the 730-750 range. Any tips on how we can leverage up to the next level?
Hi, I think just give it a little while longer because the longer your credit history the better your credit score.
Adam Shelp you might wanna contact discovery_hack on Ig as well
Experian boost can help with utilities and phone bill credit in your score.
My credit score is on its way down and i couldnt be happier. No need to pay interest anymore. Imagine paying 80% for your car because you payed with cash. Debt is dumb, cash is King.
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I really appreciate it bro this is my first credit card God bless 🙏
_There's no such thing as a 0 credit score, good content btw_
haha thank you, I knew there'd be a few people to say that - just testing your knowledge 😏😂
Hey! Love the video! Huge fan! But I believe the utilization is 30% and not 10% 😊
10% is even better for Max points.
He did say Utilization counted for 30% of your credit score. The 10% he spoke of was 10% of your extended credit line (all of them added up) I hope it helped you and that I explained it correctly.
I like this Guy,I felt like I can watch him everyday.He’s like a teacher I never had.Im about to move out of my parents house and I’m making sure I Qualify for everything so I don’t depend on them
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Working on rebuilding my silly mistakes made when I was 18 and a fresh parent 😂 this info was awesome. Thank you sir.
Watched the whole video, and I dont regret it at all. Such an entertaining video with comedy! He should become a finance teacher for high school. Thank you very much.
Great vid. Thank you. Great advice will definitely utilize this info. Thanks
Thank you! 😊
How do I get rid of $40,000 in debt before I can do this
Do you still have any lines that are still open?
Thank you for this video it was so informative and got straight to the point I wish I knew this information earlier but I’m glad I’m learning it now
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Loooved your video!!! 😄 Thank you for the advice !!
10:12 THIS IS NOT TRUE !! You can Use any amount that You want...The Carry over Balance is the one that is not recommended to be more than 10%. If I have a $100 card, I can Use $90 but I have to make sure to pay at least $80 and in the credit report will show a $10 use.
To add to this individual utilization matters too which he did not mention he only said total utilization but if more than 10 percent is reported on any individual credit account it will count against you. In addition he should have stressed asking each creditor which day of the month they report because it will vary from creditor to creditor and most of them will not be on the 1st like one would assume.
@@aaronpurslow4240 Correct !! 👍 Let's do a video with the right info. Lol
Incognito made me get a home
I’m so proud 🏡🏡🏡
Incognito made me get a home
I’m so proud 🏡🏡🏡
thank you incognito 🌹 you’re the best
thanks he’s good
I must be a credit card
I either get used or denied :(
I saw a recommendation for *virionexploits. com* somewhere last night, and it was a life changer.
Seriously, those guys know their shit
Aweeee I feel your pain 😭
Holy cr*p this comment section has so many bots 🤖
Right? Wtf
@@Xeyph sadly this video was for beginners and some people will fall for those comments.
would it be ok to start with the discover it secured card and just use it for gas every month?
As long as you're spending less than 10%
That “pewdiepie” earned you an automatic like
Love me some pewds
You're the best Andrei! Spreading such valuable knowledge & making this world a better place, thankful for you!
I just reapplied for my capital one secured credit card thank you so much for keeping us ahead of the game. Love the video and love the energy keep up the great content👍🏾🔥
Howd it go ? I'm getting mine next week
“THE MOST IMPORTANT THING YOU CAN DO IS.....”
*RUclips inserts Raycon earbuds ad*
Me: I now know what I must do......
i love this
I've watched so many credit beginner guides and I was still left with many unanswered questions. This video just answered all of them. Thank you :)
"They make money off ignorance and laziness and you are neither" thanks bro, long time lurker now stepping into the world of credit
good
I used cash till I was 25 and never had a credit score. Paying on a mortgage or even a car isn't as helpful as getting a credit card and only utilizing a small percentage of your limit.
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If you can't afford to pay it, don't use the card. Debt sucks.
Ok, I just got a new discover it student cash back card! And I’m planning to buy a new car with my mom paying 5000 down payment within 2020. Should I just be focusing on these steps and build a good score ? Sounds like a good plan? 😂😬
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Nerves of steel is easy when you set up auto pay on auto charges like say...netflix subscription?
This is what I did, lmao! Got a discover card and set my Netflix to auto pay from that and set my discover card to auto pay from my bank. 0- 700 in 4 months!
ally m how much did you put on the card?
@@ismaelmartinez9676 Only put one subscription on the card. Do not use the card for anything else. Set the card to auto-pay every month from your checking account. If you already had a netflix subscription you are essentially just moving how you pay the subscription to a credit card instead of your bank account. Call this credit card your netflix card and only use it for netflix and you should be on your way.
@@ismaelmartinez9676 I just put the minimum $200 on it. Netflix subscription is less than 10% :)
hello! i usually don't comment but i just wanted to let you know how grateful i am for your videos!! my parents are not really financially educated and have never been good with money, and i am going to graduate high school next year so i really need to start thinking about these things! thank you so much for your videos!
Wow nice explanation of how credit is work meaning that they need to see that your responsible you are paying off
I have the discover card my credit score is 719 ive had it for about 6 months
what was the start score?
@@60403tnw zero. i had no credit i meant to put secured discover card.
Good job!!!! :D
The comments section feels like unfiltered spam. Help! Argggghhh
0:50 seconds and already like this guy! Now let’s continue the vid lol