How To Get A PERFECT Credit Score For $0
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- Опубликовано: 17 июл 2024
- Here is EXACTLY how you can increase your credit score fast, and get a perfect 800+ score as easily as possible - for absolutely free. Enjoy! Add me on Instagram: GPStephan - Click Show More To See Ad Disclosure
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Here’s what makes up 100% of your score:
FIRST: ON TIME PAYMENT HISTORY - 35%
This one is VERY straight forward…DON’T MISS A CREDIT CARD PAYMENT AND DON’T PAY IT OFF LATE. EVER. In order to get a perfect credit score, you’ll need to pretty much NEVER miss a payment, ever - otherwise that could completely ruin everything.
SECOND: CREDIT UTILIZATION - 30%
In order to get yourself a PERFECT score, the credit bureaus want to see that you aren’t maxing out all of your credit cards, and that you’re keeping a relatively LOW balance compared to the overall credit you have available to you. One of the techniques I use to help with this, is just to have a LOT of available credit - all with really high credit limits.
THIRD: LENGTH OF CREDIT HISTORY - 15%
This just means - the longer you’ve had credit for, and the sooner you start - the BETTER. This is one of the reasons I recommend people begin building their credit score as early as they possibly can, even if it means going and getting a credit card THE DAY THEY TURN 18…this will help build the foundation of your entire credit history very early on.
Now, it is important to remind you that this is calculated as the AVERAGE length of your credit history…not the TOTAL length. So my recommendation is to, first, start building your credit as soon as you possible can - and keep those accounts open and in good standing for as long as possible. This will help you build up a solid fortress of longstanding credit history - so that when you DO apply for new lines of credit, it won’t reduce your average account age as much - and it’ll have less of an impact on your score.
FOURTH: TOTAL NUMBER OF CREDIT LINES - 10%
First, the more credit lines you have - the higher your credit limit - which lowers your overall utilization, and helps your score.
Second, by having MORE credit available to you, you’re able to show even MORE on-time payments - which, again, will help increase your score.
And third, having a mix of credit types - like an auto loan, a mortgage, and credit cards, shows lenders that you can appropriately handle multiple types of loans without defaulting on them.
FIFTH: NUMBER OF CREDIT INQUIRIES - 10%
Anytime you go and apply for credit, it’s reported to the credit bureaus and shows up on your report as a “hard inquiry.” This helps lenders keep track of how many times you’re going and asking for credit…and generally speaking, the more often you’re out there asking for credit, the riskier of a borrower you become.
In addition to that, if you ARE out there getting new credit cards - that also will LOWER your average credit length - which could further drop your score, as well.
Besides that:
I HIGHLY recommend you check your credit score every few weeks using a free service like CreditKarma or CreditSesame. Both are FANTASTIC resources that update your score every week - and even though they’re not going to be 100% accurate in terms of calculating what your score will be, they’re going to be fairly close and will give you a comprehensive overview of your entire report.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com
Some of the card links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This content does not include all credit card companies, or all available credit card offers.
ANDY HACKS, LLC - Credit Backdoor - and a multitude of scammy horrible companies keeps spamming my comments and then like-botting them to the top. I try to delete them, although within days, dozens more appear. So FYI - DO NOT DO BUSINESS WITH THEM AND IGNORE THEIR COMMENTS. THANKS!
Thank you for your videos! Keep doing what you’re doing please
Thanks man for the info
@@NathanKwadade You talk too much, you've been giving this same fake story for months, you call and they never respond, how does that make them a scam? fake story.. #LIES
Video related question. I have never get a test done. But I have had the same credit card since 2008 and never missed a payment, I've nearly maxed it and fully paid it off multiple times(currently paid off) same story with insurance. I only had 1 credit nono before 2008(lost track of an old cell phone bill). The only problem is while I may be very fiscally responsible I have tourettes, and living in a very blue collar area with a severe recession(10-25% unemployment) I don't get jobs that last longer than a few months. So my income rarely goes over 20k a year. Even then I have managed to start up a TFSA(investment) and also building up bitcoin(my income has only got my to about 0.26BTC or about $2500 worth at current prices). Maybe getting that perfect score will be what gets me out of this, the loan that starts the company, perhaps.
I have 830
26 years old and 803 credit score!💪💪💪💪
How often did you open a new credit line?
When RUclips teaches more things than School
RUclipsr's* !!!
I’ve learned more about how to make money on RUclips than in college or high school
Sounds like an American school problem.
RUclips University is where the real learning begins
College doesn't even teach you this
Nobody may see this but pay your credit card bill every time you get paid, not monthly. Trust me your score will thank you.
Graham, thank you for what you do. You put a lot of complex information into a format that is easy to understand, even for someone's who's been around the block a few times. I pass your videos along to my kids and friends often. This one seems exceptionally helpful for younger people just starting out. Thanks man, and keep it up.
You showed great composure, experience, and thinking while dealing with the issues i had about my credit. Your level of quality work remains unprecedented, Thank you for all your help. Without your hard work, patience, and agility, i wouldn’t have completed raising my credit score before the deadline. You rock *Future Imperative Corps* !, Thanks.
Search *"Future Imperative Corps"* to chat Brandon about getting help to fixing your credit.
I can’t drop their website link on here, RUclips don’t allow links. Just search their name and connect to their official page. Don’t search on RUclips, search on google to take you to their platform.
after my experiences with them , i believe credit scores are best fixed only at *Future Imperative Corps* , they've been the backbone of my business by helping me to build my business credit profile after fixing my personal credit, thanks to *future imperative corps* . all inquiries, collections, late payments, judgement and bk permanently gone , you can reach out to them too for help.
You remind me of my financial algebra teacher. He made sure he gave us the gem after gem.
Preciate the refresher fam!
This is awesome!! Congrats 👏🏿 👏🏿 on 800+
I'm 21 right now and started my first credit card when I was 19. Definitely does not know everything about credit card and missed a lot of payments. But this video really helps me a lot. Hope this was really thought to us before we graduate high school and before turning 18. Love this video so much! Now, I really love managing my money.
same here, missed a lot of payments. im screwed for a while lol
I’ve always wanted to know these things. Thank you Graham!
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 wouldn't have been able to take them off if not me meeting *Future Imperative Corps*
Search *"Future Imperative Corps"* to chat Brandon about getting help to fixing your credit.
*Don't search their name on RUclips, search it on google instead. Searching their name on google takes you direct to their website platform where you can chat/speak with someone about the issues you have with your credit. I can attest to their service....*
There is no doubt that you will rise fast at the apex of your career. Because you are a very intelligent, smart, hard worker and your work ethic par excellence. Keep going People like you take the IM out of IMpossible by becoming PRO at tackling CRedIT PROblems. You Rock! *Future Imperative Corps !*
*Your kindness and dedication towards your job shows how professional you’re when it comes to this I’m really happy to encounter your skills FUTURE IMPERATIVE CORPS... thank you for fixing my credit*
I stumbled across your video and instantly knew this was made for me. I'm going through the same thing with my business but just knowing that I'm not the only one who's experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude sir and *Future Imperative Corps* was so helpful during the process of boosting my credit
Search *"Future Imperative Corps"* to chat Brandon about getting help to fixing your credit.
I can’t drop their website link on here, RUclips don’t allow links. Just search their name and connect to their official page. Don’t search on RUclips, search on google to take you to their platform.
Dude your enthusiasm is on point!
Thanks! I feel more motivated now that I have the knowledge you gave!
16:00 Funny thing about credit piggybacking -- my dad had my name on one of his credit cards a long time ago when I had to go buy a computer for school. Fast-forward several years and I noticed I had a high utilization on my credit profile, even though I knew I wasn't using much of my credit. As it turned out, my dad had his credit card nearly maxed out and it was contributing to my credit profile and score. Once I asked the bureaus to remove my name, my score shot up 50 points.
My FICO score is 798 and has been for a while. After listening to this video, I understand why my score has not changed. Thank you.
This is one of the best videos I've seen explaining credit...Great job!!!
Great advice, good looks!
What I’m hearing is that if you have no credit, you should get a few cards up front use them sparingly for a few years and then apply for a loan.
This video was very informative! It really helped me to understand how Credit Score works. Thank you very much!
Followed Graham’s advice, just turned 21, 800 baby!!
You are my hero.
Our knowledge is out of this world.
Even for the recognition *Future imperative corps* gets, his skills is so underrated at least by most credit fans in general. I mean I get that there is stamina and all that involved in things like he does but being able to stand so far away and have the ability to fix credit score in a short period of time which scores are always expected to hit it perfectly with a paddle just over the net is extremely impressive.
I can’t drop their website link on here, RUclips don’t allow links. Just search their name and connect to their official page. Don’t search on RUclips, search on google to take you to their platform.
after my experiences with them , i believe credit scores are best fixed only at *Future Imperative Corps* , they've been the backbone of my business by helping me to build my business credit profile after fixing my personal credit, thanks to *future imperative corps* . all inquiries, collections, late payments, judgement and bk permanently gone , you can reach out to them too for help.
Good info thanks. Been looking for ways to grow my credit.
Wow man this guy really knows his stuff! Stumbled across the video and holy crap it makes so much sense ! Thanks
Love your energy!
My credit score has been between 820-832 for years...depending on my credit card usage...but I have never been late for payments and pay off all my credit cards in full each month. I also have NEVER paid a cent in interest in the 35 years I have had credit cards. If the credit card companies mistakenly charge me interest on a contested charge I call and refuse to pay it. They look up your credit history with them. You would be surprised at how flexible credit card companies can be if you have a history of paying off in full every month for over 30 years.
Love the advice about inquiries
This was very good n very helpful thanks alot Graham for the information
this single video alone taught me more then i ever learned in high school
because you didn't pay attention in high school moron
Thank you for sharing your knowledge!!
Great video, direct and to the point with actual real and true information. Thank you!
Sharing this with my kids now, wish I had this ino 45 years ago, thanks!
This was the best video i've seen. Thanks Graham
GREAT!!!! Advise and instruction!!
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 *850financial assessment* lol, i didn't made it myself
Hope everything is good with you buddy wish you the best and that you are doing so much better now, I also made terrible life decisions so now Im at my 30s and finally close to have a zero balance finally
Darn it! Why did I not see this years ago! A lot of this was learned the hard way, but still some great lessons.
Your life is admirable and your videos full of energy and always helpful!!
I've been waiting for this....thank u
I got the discover it secured card a few years ago for $400 because of you. My score was 520, now I have a score of 720+ with my discover and Apple Card both at $1500 limits. Thanks Graham!
I have a question, I’m 18 and want to apply for a credit card. My question is: would my credit score decrease if there is a vacancy in utilization of my credit card, like if I don’t use it for several months would my score go down? Or should I use it here and there to maintain/build it?
It would stay the same
@@kamilsultan1637 yea, I tried applying for chase freedom card, but I got declined. Is it because I reported as self-employed, or my income reported is too low, or maybe I heard because my account isn’t active enough or my credit score is already too low?
@@kamilsultan1637 I didn’t know about the reconsideration line, but will definitely look into it. They said they will email me reasons why I was rejected, also would you recommend I get a student discover card instead to build up the credit history?
Thnx, needed to hear it from the pro
Graham you are the best. Keep informing us on your epic life!!
Ok, so now I'm confused, you say you need more credit so your credit utilization can decrease.. but in order for you to get more credit or credit cards you have to apply which is going to pull a hard inquiry so how do you accomplish this feat
He said it only affects your score for 12 months and the hard inquiry falls off after two years. So it only is a short term sacrifice to get higher credit later for when you may need it. A future home loan or car loan.
*Future Imperative Corps* is the best credit repair expert I've ever seeing on YT. The dedication, passion and humor he has in these credit industry is what makes it so amazing. I’m happy it's easy to use on backend but excited to see you give that penny to creditors !
I can’t drop their website link on here, RUclips don’t allow links. Just search their name and connect to their official page. Don’t search on RUclips, search on google to take you to their platform.
I love the 1080Ti founders editions mounted on your wall
Thank you for the advice Graham
Thanks for the info buddy! Good stuff
Graham these scam comments are just getting upsetting.. that’s ab all we see anymore
@@trendyvibez7354 this is exactly what I’m talking about🤦🏼♂️
Good advice! Thanks!
I’m 18 and just got my credit card yesterday, I’m gonna cherish you 10 years from now.
I’ve been stuck in the 760s for about a year now
Damn him every time he sneaks in the smash that like button thing LOL
Thank you for the tips. I have been putting them into use.
Thank you! I always wondered if it helped or hindered our credit scores to utilize credit. Thanks for clarifying. God bless! 🙏🏼😄
Most of the challenge is just WAITING for age of credit history ⏳⏳⏳
🙌🏼
At 19, I’ve always used a debit card. Finally changing things and building a score!
Thanks for the info. Great instructive video
Thanks for all your advice bro it has really helped me
Feeling left out in the comments that I'm not selling a service to improve credit scores 😂
Thanks dude! Glad I found you!
Awesome, Graham, tytyty!
Thank you Steph, this was amazing
*_I've been in the 790's range_* FOREVER!
Same, took me awhile to break out from that
I'm a mortgage lender. I can honestly say this was an excellent video and I"ll be sending my clients here to get educated to save myself the breath lol. Thanks Graham!
GREAT advice!! Wish I had learned this decades ago. Thanks for sharing this.
Thanks for the insights!!!
One of the best videos I’ve seen on this topic.
Thank you, this was so helpful. I highly appreciate you sharing.
Thank you very much for this!!
How do you start a credit score and make it good
To get a credit file if you don’t have one at all, all you need to do is apply for credit. The first time you apply, it will usually build a blank file.
Now, to get positive credit reported to it, at least initially, consider getting a secured VISA or MasterCard. A bank debit card will usually not report to the credit bureaus because they don’t consider it an actual extension of credit.
just turned 18 and have a 775 credit score, thanks graham!
Thanks for the video. I think you shared good info for people working on their credit.
HEY GRAHAM!!!!!! I just want to THANKS for making this video! I watched this just over a year ago I believe! Back then my credit was 490 and lower for the weeks to follow.
Following your steps and your confidents in our ability of fix our score gave me hope. For months on end I followed EVERYTHING you recommended and even recoded the percentage you mentioned to help me track what was priority over what.
I am happy to say I now have a 743 ish score and working hard to continue the climb. Not only that but this fight was the start of a new life for me! I saw a new list of opportunities for me shortly have raising my score. This all may seem a little silly to you but shortly after doing nothing but working over time to pay of my debts and get my credit in order I quit drugs and got clean, after I quit smoking Cigarettes and I’m currently on the way to getting my GED. I know this is random, but I watch a lot of your videos and YOU, along with many other have inspired me to do better with my life. But in the end this video started it all. You never know who you’re motivating behind closed doors Graham.
KEEP UP THE HARD WORK AND THANKS AGAIN.
I saw this video come up in my recommendations and I had to rewatch. In doing so it made me thing about everything I listed above and had to thank you.
Yeah just got approved for a card today after so many years waiting for the bad number to reset. My lesson, pay on time bills and have prove of a stable income / pay deposit and voila! I finally now can start to work on all the other awesome advise in this video: )
Thank you Graham - I DID have a credit score over 800 - until COVID hit, laid off work and I had to use my cards - Thank you again for all your advice....
I’m only 15 but I want to set myself up good financially
Nice
I’m 5
I'm 0
You have time. In the meantime, spend it doing research.
I’m 5 and have a 750 credit score
New sub. You have some great info! Thank you!
Very good stuff, young man! Thanks.
Im 24 and just starting on my credit and im kinda glad i waited till i found your videos
19 rn and credit score is 780 I hope I can reach 800+ really soon!!!!
Awesome ~Thank you!! ✌🏼❤️
Thank you so much for your help 🙏
Hey Graham! I just checked my credit score and realized I finally broke 800 after following all your advice, Thank you so much!
Thank you, Mr. Stephan.
thank you for the video, it was very insightful
Year-over-year inflation stood at 6.5% in December 2022-the lowest that figure has been in more than a year. Inflation was in line with what economists expected and gave many of them a reason to believe that the peak of inflation may be behind us. I have approximately $150k stagnant in my port_folio that needs growth. What is the best way to take advantage of this downturn?
Scammers...
My silence for a long time doesn’t mean that I’ve forgotten you. Thanks so much Sir.
very useful and made it simple thanks alot.
Love this guy!!
Graham's office: ⬛
Graham's kitchen: ▢
Thank you for the breakdown. My family has avoided credit in general, so I had no idea where to begin.
I’m going to rewatch so often!
Thank you for the helpful advice!
Thanks graham!
Great tips, I know some of those tips already through credit streamers since last year but I enjoyed watching your video because now I handle most of my credit repair myself, keep up the good work you are touching lives here. I paid for information like this in the past a lot won't understand the quality information you are sharing..
@Graham stephan Lol, what a joke. Was I too believe you are the real Graham?
@@patrickedmoson7456 I contacted Graham but no response, I need help but how can I be guaranteed the credit streamers mentioned above is the real deal?
@@sarageralds7038 You can read online credible sources and watch videos on youtube from credible people, do your research and see what others are saying about them 👌
Ive been slowly building my credit, and i got a 760 recently. Hard work has paid off.
Thank you for pointing out the ridiculousness of the system
Great breakdown of credit scores!
Feeling a bit behind the curve at 22 years old and no credit but so glad there is someone out there to explain how this works bc god knows my school doesn’t.
How I started was a simple gas credit card from Cheveron. Just make sure to use it only for gas and pay it off each month. Built my credit up then was offered better cards