VERY well done ! I say this with 40+ years in mortgage finance & banking working with credit bureaus. Different models and parameters are used by different industries but this name below info is pretty much universal. If you're trying to max your credit scores, there is a happy medium between too many credit cards and none. Too many cards with zero balnce may actually hurt you in some cases. Even if you do not use them, you have a potential. To always pay cash & still have cards doesn't help your scores as well
At 34 years old I finally feel ready to settle down long enough to buy a house. Unfortunately due to previous horrible stupid life decisions, I'm forced to start with a zero balance in my savings account. On the bright side, the huge amount of debt - consequence of those bad decisions will be payed off next month! 🥳 It's never too late to start saving like there's no tomorrow, and I'm really REALLY excited and motivated. Oh and Graham, fyi my emergency fund is also a done deal! by This name below team lol, i didn't made it myself
Get That Jewelry is awesome. Edit: I didn't know that was their line of credit, $15k if you get approved! So this is gonna help that credit utilization and shoot my score up! Thanks for this video man, a whole lot. Stuff I wouldn't have known without ya!
I have 2 chapter 13’s that are dismissed. The reason I have 2 is bcz I did n+ot use an attorney. I was trying to stop an eviction, but when I went to try to add another month’s rent to the bankruptcy, but the guy filed another one. About a month later, I ended up losing my job. They are scheduled to fall off in January and March 2021. Since I’m looking to purchase a home soon but still there. I am currently enrolled in This name below and I must say, I am loving it thus far. I’m doubling it up with your podcast videos and learning A LOT! Thank you. I’m ready to join the millionaire club!!!
Just an update, most of these companies are being removed from the credit bureaus . They are cracking down on these accounts and also AU’s. I thought I’d update your audience before they go and get any of these accounts and waste money.
Leaseville does not report on to the credit bureau guys don’t join them.The representative said they only report if you go into default. This information here is not accurate.
If you opened an account, would there be impact on your score due to opening a new account? Doesn't duration of existing accounts play a role in credit score?
I love how you break down each card/store in detail so we know exactly what to expect before going and applying with each place. Many other RUclipsrs give info but not nearly as in-depth as you go into each card, thank you... going to go check some of these out, fingers crossed.... will try to come back and let you know my results....
All these cards seem like a better way to create debt. If you're not in financial trouble, you don't need these rip off cards. If you are in financial trouble these cards will make it worse. Try putting money in savings every week, if you miss a payment to yourself you will know that additional credit cards will make your situation. Stop the spending.
3 года назад+11
Monthly income of at least $1400 lol damn. If that was me, I’d be looking to acquire some new skills and make at least that $1400 a week before getting credit lines.
I am rebuilding my credit after near fatal accident and this is just the info I needed to help me without killing my credit with inquiries that get me turn downs! Thank you
I got a credit repair recommendation for you all. Credit Patch-Up LLC are the myth behind credit repair, they removed several negative items from my report in just 15 days, raised my score in a discreet manner and also added aged tradelines. In 10 years I struggled to bring it to 803. Without Credit Patch-Up Group, this would not of happened. Now I have my business loan approved. Credit Patch-Up LLC search on google for similar assistance and remember to thank me after your successful credit repair.
You need help with credit or loan or any other financial issues? Communicate with Brandon on *Future imperative corps* to get assistance in fixing all these ASAP.
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 had a bad credit score and I was literally denied for every applications I applied for but fortunately my colleague recommended me to Brandon who helped him fix his credit score too, I’m glad Brandon on *Future Imperative Corps* came through for me and raised my credit score above 800🙏
I must say Brandon and his team have displayed being #1 in my opinion after using their service to fix my credit. I appreciate the time and efforts *Future Imperative Corps* provided while getting my credit fixed and it’s now back on track. Very professional and highly trained individuals who are skilled in credit restoring and rebuilding. I strongly recommend them to you if you need help.
I'm confused, this seems to be for people who just started credit, cause isn't a credit history reducer. If you had one cc for 4 years and you open a card, doesn't it basically make it seem like you've had credit history for 2 years? that's what one of the other credit dudes was saying
My jewelers never showed up on my credit but it did on my partners. Smh 🤦🏾♀️ I pay everything on time, I’m never late I pat balances down mid month and pay them off and still can’t crack 700 been doing this for 2 years and the score stays 665 across the board ... just feels like you can never overcome past mistakes they don’t want you to win. I bough a house with my partner I hope that makes it go up. 🤷🏾♀️ utilization is 18percent btw no collections either can’t get credit cards but I bought a house and my income is verrryyyyy high I’m really confused
@Naam Wynn I have had a My Jeweler's account for four months or more. They have not reported to my credit report. What do you think is wrong? I have received the jewelry and made a payment
every single one of these costs you a ton of money for really not helping you. if you really want to build your credit get a secured like the discover it you'll have to put in a small deposit but it's a real credit card that you'll build credit with no monthly or annual fees. Then you'll get your deposit later but as your score goes up you can go from unsecured cards like chase freedom flex.
I did credit strong. After 1 year of paying 20 dollars a month. I paid off my debt with them and instead of them giving me my money back. They gave me $1.98 back. Total scam….
I know that if creditors have bad information on your report you can dispute it. What letter can I send to have them removed and can I email the letter or do I have to use the postal system ?
I have a question. If I cancel my tradelines once I reach my desired credit score, will it affect my credit score? You mentioned that it won't for a few of the tradelines discussed, but not all.
do not close trade lines keep them open but at low balances if you close them it will tank your credit score ... scores are judged on length of tradeline open and balance i used to do mortgages and it was one of my clients biggest mistakes closing accounts thinking there reducing debt but when you close it you loose credit history which reduces your score ....
Naam.... i dont usually leave comments. BUT YOU ON IT BRO ! you are on point ! the next time you see your family, tell them that you are changing the WORLD ! your youtube family says so ! Thanks Bro. Brother Eli
A very informative video loaded with good credit resources. This is the best video by far that offers numerous resources! I have watched a lot of them! A new sub! Thanks for sharing!👊
@@longcurtis3695 I love how friendly and helpful their employees are. I've never had a bad interaction! They help you fix your credit score and are there when you need them.
@@longcurtis3695 Their customer service is beyond what I would call exceptional! They are always quick with replies and they answer my questions and concerns 100% with no “beating around the bush”.
Thumbs up on all this great information. I need to ask, how can you stop a collection agency from chasing you and threatening you for an account that is well over 8 yrs old?
Typically collections fall off after 5 years. but everytime you answer the phone and confirm that its you who answers it that time resets. So when you answer when they say is this so and so. Say who speaking? they will ask again because you are on a recorded line. is this so and so? say WHOS SPEAKING ? or say no you have the wrong number and hang up. As long as they dont have your confirmation recorded that its actually you. after 2-5 years it will fall off and they will stop calling. or just change your phone number ;)
@@KidsFund1 I can take it or leave it. MJC and NWC are good stepping stones to real revolving credit with Chase and Amex. If you don't need them any more no point in spending $200. But it's an open choice
I just subscribed. I have been going through a rough time trying to repair my credit, so I will definitely be looking into some of these accounts. Thanks so much for the info!
@@NaamWynn i tried them already. I need a real bank account. I have like $20,000 in paypal, and they don't accept that. I need a real bank account. Any suggestions? for a real bank and to put my direct deposit for the best effect, for me?
Would it be a good idea to do a couple of them at a time? Also for my JewelrsClub, do you have to keep using the credit every month like a credot card so it keeps getting reported?
I’m currently rebuilding my credit my score is currently at 621. How many credit lines are enough? How many is too much? There’s a few I’m leaning toward but want to know how many would be a good amount to get me to the 800-850 range in the long run⁉️
Great videos!!! As a personal that understands what it takes to report these lines. I don't care how crappy the product is. As long as you report my tradelines. It's better than alot of so called quality things that don't give you nothing in return. And not even a asset.
Thank you for this content brother! Much appreciated 🙏 should I try to apply for these companies spread out over a few months or within a couple weeks?
@@longcurtis3695 I love how friendly and helpful their employees are. I've never had a bad interaction! They help you fix your credit score and are there when you need them.
@@longcurtis3695 Their customer service is beyond what I would call exceptional! They are always quick with replies and they answer my questions and concerns 100% with no “beating around the bush”.
VERY well done ! I say this with 40+ years in mortgage finance & banking working with credit bureaus. Different models and parameters are used by different industries but this name below info is pretty much universal. If you're trying to max your credit scores, there is a happy medium between too many credit cards and none. Too many cards with zero balnce may actually hurt you in some cases. Even if you do not use them, you have a potential. To always pay cash & still have cards doesn't help your scores as well
BAD KhenCorp⨀COM
Went from a $200 secured to almost 10k unsecured. Thank you boss man
How? What steps did you take
@@Fernandezfamily22 watch the video
At 34 years old I finally feel ready to settle down long enough to buy a house. Unfortunately due to previous horrible stupid life decisions, I'm forced to start with a zero balance in my savings account. On the bright side, the huge amount of debt - consequence of those bad decisions will be payed off next month! 🥳 It's never too late to start saving like there's no tomorrow, and I'm really REALLY excited and motivated. Oh and Graham, fyi my emergency fund is also a done deal! by This name below team lol, i didn't made it myself
BAD KhenCorp⨀COM
Get That Jewelry is awesome. Edit: I didn't know that was their line of credit, $15k if you get approved! So this is gonna help that credit utilization and shoot my score up! Thanks for this video man, a whole lot. Stuff I wouldn't have known without ya!
I have 2 chapter 13’s that are dismissed. The reason I have 2 is bcz I did n+ot use an attorney. I was trying to stop an eviction, but when I went to try to add another month’s rent to the bankruptcy, but the guy filed another one. About a month later, I ended up losing my job. They are scheduled to fall off in January and March 2021. Since I’m looking to purchase a home soon but still there. I am currently enrolled in This name below and I must say, I am loving it thus far. I’m doubling it up with your podcast videos and learning A LOT! Thank you. I’m ready to join the millionaire club!!!
BAD KhenCorp⨀COM
Just an update, most of these companies are being removed from the credit bureaus . They are cracking down on these accounts and also AU’s. I thought I’d update your audience before they go and get any of these accounts and waste money.
Most of these don’t work anymore. Great video tho
Leaseville does not report on to the credit bureau guys don’t join them.The representative said they only report if you go into default. This information here is not accurate.
If you opened an account, would there be impact on your score due to opening a new account? Doesn't duration of existing accounts play a role in credit score?
I love how you break down each card/store in detail so we know exactly what to expect before going and applying with each place. Many other RUclipsrs give info but not nearly as in-depth as you go into each card, thank you... going to go check some of these out, fingers crossed.... will try to come back and let you know my results....
Time for an update!!
How'd it go?
All these cards seem like a better way to create debt. If you're not in financial trouble, you don't need these rip off cards. If you are in financial trouble these cards will make it worse. Try putting money in savings every week, if you miss a payment to yourself you will know that additional credit cards will make your situation. Stop the spending.
Monthly income of at least $1400 lol damn. If that was me, I’d be looking to acquire some new skills and make at least that $1400 a week before getting credit lines.
Honestly depends on your situation and what money the govt is tracking
I am rebuilding my credit after near fatal accident and this is just the info I needed to help me without killing my credit with inquiries that get me turn downs! Thank you
I got a credit repair recommendation for you all. Credit Patch-Up LLC are the myth behind credit repair, they removed several negative items from my report in just 15 days, raised my score in a discreet manner and also added aged tradelines. In 10 years I struggled to bring it to 803. Without Credit Patch-Up Group, this would not of happened. Now I have my business loan approved. Credit Patch-Up LLC search on google for similar assistance and remember to thank me after your successful credit repair.
New Coast Direct is currently not accepting new credit applications.
LeaseVille doesn't seem to report to the bureaus at all so it wont do anything for boosting credit score.
You need help with credit or loan or any other financial issues? Communicate with Brandon on *Future imperative corps* to get assistance in fixing all these ASAP.
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 had a bad credit score and I was literally denied for every applications I applied for but fortunately my colleague recommended me to Brandon who helped him fix his credit score too, I’m glad Brandon on *Future Imperative Corps* came through for me and raised my credit score above 800🙏
I must say Brandon and his team have displayed being #1 in my opinion after using their service to fix my credit. I appreciate the time and efforts *Future Imperative Corps* provided while getting my credit fixed and it’s now back on track. Very professional and highly trained individuals who are skilled in credit restoring and rebuilding. I strongly recommend them to you if you need help.
If you go to lease ville's website they say they dont report to the credit bureaus so its pointless to use them.
I wish Canada was like America like the credit game is so different over there but I don't know
I'm confused, this seems to be for people who just started credit, cause isn't a credit history reducer. If you had one cc for 4 years and you open a card, doesn't it basically make it seem like you've had credit history for 2 years? that's what one of the other credit dudes was saying
Get that jewelry link does not work? Is there another?
new coast is also not accepting new credit applications
How do u feel now about giving this advice
New Coast Direct is not accepting new applications
Hello have you tried doing the cash hack program I did the cash hack platform and I got paid $10,000 in just a few hours
Thanks for the plug! I been doing something similar with finger hut! Just the credit line is way smaller
Btw I dont buy anything. Just have it and it helps my score
closing any account is not good, unless the company closes it
a google of the jeweler says they can't report to credit anymore
Thank you Naam! I greatly appreciate your research. God Bless You!!!
Can you please update if this is still viable hack?
My Jewelry and New Coast is not reporting according to Reddit is this info accurate ?
‘hm send me’ a maiI with your complaint below and I’ll run a quick check’
this was so informative greatly appreciated
My Jewelers Club and Get that Jewelery are both not working anymore.
My jewelers never showed up on my credit but it did on my partners. Smh 🤦🏾♀️ I pay everything on time, I’m never late I pat balances down mid month and pay them off and still can’t crack 700 been doing this for 2 years and the score stays 665 across the board ... just feels like you can never overcome past mistakes they don’t want you to win. I bough a house with my partner I hope that makes it go up. 🤷🏾♀️ utilization is 18percent btw no collections either can’t get credit cards but I bought a house and my income is verrryyyyy high I’m really confused
Well brother you credit utilization is average if you want me to be honest with you. Keep your credit utilization between 7 - 9% and see what happens
Can i use any of these strategies to get business credit for my construction company?
@Naam Wynn I have had a My Jeweler's account for four months or more. They have not reported to my credit report. What do you think is wrong? I have received the jewelry and made a payment
:Thanks for watching!
For more clarification, guidance & tips send a message to my maiI at’:
Wynnnaam
gmaiI
@@naamwynn6887 sent ✅
it appeared on my credit and then two days later it was removed off all my credit report
Thanks for the information Naam
My problem is not bad credit, but not high enough income to qualify!
Lie
Maybe you should get a better job
@@teambentley4223 I am on disability!
I just watched it twice. I love the 10 credit card breakdowns. You Sir received my Sub...👍
I make over 10 000 USD each month thanks to FRO ZEN PA.C OM
@@mariusjohnson6083 right
every single one of these costs you a ton of money for really not helping you. if you really want to build your credit get a secured like the discover it you'll have to put in a small deposit but it's a real credit card that you'll build credit with no monthly or annual fees. Then you'll get your deposit later but as your score goes up you can go from unsecured cards like chase freedom flex.
Very good video bro! Subscribed!
Do u get the $ from the credit strong or u just pay it off as if you got a legit loan
Once you paid it off. You get the money back minus interest and fees
All these different videos about credit I'm JUST tryna buy a outfit and a 100 $ out the atm with a 656 credit score 😭
Do they all require a deposit or an payment right off top?
Thank you great information
I did credit strong. After 1 year of paying 20 dollars a month. I paid off my debt with them and instead of them giving me my money back. They gave me $1.98 back. Total scam….
Only 3 companies on this entire list are still reporting on my file.... MJC, CS, and SL
Do you recommend Credit Strong? I dont have any installment loans on my profile so I thought this would be a great start
I know that if creditors have bad information on your report you can dispute it. What letter can I send to have them removed and can I email the letter or do I have to use the postal system ?
Please slow down.
so which ones are the best/worthwhile?
Myjewelersclub, New Coast Direct, or Self
New coast direct only reports to transunion and Equifax. Just FYI.
blue nile jewelry i got 16k limit when i couldnt get 1000 visa
Great stuffs....thank you Sir !
I have a question. If I cancel my tradelines once I reach my desired credit score, will it affect my credit score? You mentioned that it won't for a few of the tradelines discussed, but not all.
Possibly if you have high balances since it will affect utilization. But if your balance are low, it really doesn’t make much a difference.
do not close trade lines keep them open but at low balances if you close them it will tank your credit score ...
scores are judged on length of tradeline open and balance
i used to do mortgages and it was one of my clients biggest mistakes closing accounts thinking there reducing debt but when you close it you loose credit history which reduces your score ....
New coast only does equifax and transunion
Naam.... i dont usually leave comments. BUT YOU ON IT BRO ! you are on point ! the next time you see your family, tell them that you are changing the WORLD ! your youtube family says so !
Thanks Bro.
Brother Eli
Much appreciated Eli!
Do to videos like this these companies members have skyrocketing and now the bureaus flagged these companies now when they report
A very informative video loaded with good credit resources. This is the best video by far that offers numerous resources! I have watched a lot of them! A new sub!
Thanks for sharing!👊
Do u think it’s good to do at least 3 of these credit lines to get a higher amount
15000
Hello have you tried doing the cash hack program I did the cash hack platform and I got paid $10,000 in just a few hours
Great vid! Always dropping gems 😎🙌🏾
Hello. You're very beautiful.
What about getting flag for having consumer financed accounts?
3 1 7 9 4 3 3 3 8 4 would assist you
@@longcurtis3695 I love how friendly and helpful their employees are. I've never had a bad interaction! They help you fix your credit score and are there when you need them.
@@longcurtis3695 Their customer service is beyond what I would call exceptional! They are always quick with replies and they answer my questions and concerns 100% with no “beating around the bush”.
@@longcurtis3695 Absolutely amazing representatives that are understanding and helpful towards there clients
Thumbs up on all this great information. I need to ask, how can you stop a collection agency from chasing you and threatening you for an account that is well over 8 yrs old?
Typically collections fall off after 5 years. but everytime you answer the phone and confirm that its you who answers it that time resets. So when you answer when they say is this so and so. Say who speaking? they will ask again because you are on a recorded line. is this so and so? say WHOS SPEAKING ? or say no you have the wrong number and hang up. As long as they dont have your confirmation recorded that its actually you. after 2-5 years it will fall off and they will stop calling. or just change your phone number ;)
New Coast Direct doesn't report to Experian
You sir earned a sub
Can you use these cards anywhere else?
My jewelers is legit, I still have it from over a year. $5K credit line on all 3 CBs. but that $99 annual fee tho.
can you use this credit card anywhere or just for the items on their store?
@@karansparshh just on that store only.
that is basically a chase sapphire preferred.
@@jalabi99 smart but is that 100 really hurting you for that other 5000 line to appear with a year of age that you worked hard for???
@@KidsFund1 I can take it or leave it. MJC and NWC are good stepping stones to real revolving credit with Chase and Amex. If you don't need them any more no point in spending $200. But it's an open choice
Is this available for us here in Australia?
i was Approved thanks Naam
I just subscribed. I have been going through a rough time trying to repair my credit, so I will definitely be looking into some of these accounts. Thanks so much for the info!
You got this!
Self is great...2 reported accounts...one app
Awesome information!
This Is Awesome!
i'm allergic to fees. you got anything with no credit, AND no fees?
Try the Tomo card
@@NaamWynn i tried them already. I need a real bank account. I have like $20,000 in paypal, and they don't accept that. I need a real bank account.
Any suggestions? for a real bank and to put my direct deposit for the best effect, for me?
Hello have you tried doing the cash hack program I did the cash hack platform and I got paid $10,000 in just a few hours
Would it be a good idea to do a couple of them at a time? Also for my JewelrsClub, do you have to keep using the credit every month like a credot card so it keeps getting reported?
Hello have you tried doing the cash hack program I did the cash hack platform and I got paid $10,000 in just a few hours
Does lease ville report to all three credit bureaus?
Great information to jump start your credit will definitely share..
Thank you soooo much for this, very much helpful 🙏🏾
Jewelry Club is out
Great Job Bro
Im just trying to get 10k thats all. I want to invest in better camera gear :/ im already filming alot. But my credit is terrible
I don't understand Credit Strong... how are you even borrowing credit if you pay it off before you get access to it? Makes no sense.
Hello have you tried doing the cash hack program I did the cash hack platform and I got paid $10,000 in just a few hours
Great content and tips... Thanks
Ok I’ll sub and see what your all about!!!
10:25 I LOL'd so hard.
myjeweler site does not report to none of the credit companies
:thanku for watching!
for more guidance & support send a message to’:
@@naamwynn6887 I sent you a maiI sir
I’m currently rebuilding my credit my score is currently at 621. How many credit lines are enough? How many is too much? There’s a few I’m leaning toward but want to know how many would be a good amount to get me to the 800-850 range in the long run⁉️
3 is minimum. Less is usually better.
I have someone who helped with mine, if you want I can refer him to you
@@tiffanycampbell5813 I’m interested
@@tiffanycampbell5813 can I get that number ? Or website
Your video is already out dated most of these companies don’t report anymore they got shut down
Great videos!!! As a personal that understands what it takes to report these lines. I don't care how crappy the product is. As long as you report my tradelines. It's better than alot of so called quality things that don't give you nothing in return. And not even a asset.
I don't suppose I could use my PUA money as proof of making a certain amount each month could I?
Unfortunately not
This is very helpful.
What a crock I went for the electronic place that is supposed to give you $5000 they gave me $500
You’re the greatest
Thank you for this content brother! Much appreciated 🙏 should I try to apply for these companies spread out over a few months or within a couple weeks?
What about Canada man ???
Nice job
Stay away from those to deep.
can you add an additional user on any of these lines of credit???
Yes 3 1 7 9 4 3 3 3 8 4 would assist you
@@longcurtis3695 I love how friendly and helpful their employees are. I've never had a bad interaction! They help you fix your credit score and are there when you need them.
@@longcurtis3695 Their customer service is beyond what I would call exceptional! They are always quick with replies and they answer my questions and concerns 100% with no “beating around the bush”.
@@franksiegle1821 Absolutely amazing representatives that are understanding and helpful towards there clients
Curious if you know where can get a car how you can find place get a loan if you have bad credit
Do you have ways to do this in Canada?
How is the credit system setup in Canada vs the US?
Do you have any info on Zebit?
My Jewelers Club pulls credit from Experian
What does that mean
@@tashagotit7747 it means they do a credit check/hard pull from Experian
@@DollaSignE OK thanks so much
@@tashagotit7747 means it reports to Experian
Man, awesome video!! 👏🏻👏🏻👏🏻 took so many notes it ain’t funny lol
Just do research prior to applying, unfortunately some accounts may not report to credit bureaus currently. But this may change later.
@@NaamWynn which ones do not report anymore I know my jewelers club doesn’t anymore but was wondering what else would not report