How to Fix Your Credit Score Fast!

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  • Опубликовано: 28 дек 2024

Комментарии • 440

  • @clearvaluetax9382
    @clearvaluetax9382  11 месяцев назад +16

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    • @Kakarotseuslee
      @Kakarotseuslee 23 часа назад

      AWARENESS YOU ARE A GOOD PERSON 💳

  • @Espresso101
    @Espresso101 11 месяцев назад +173

    This should be mandatory in high school. Would help so many people start on the right track.

    • @allancastillo3419
      @allancastillo3419 11 месяцев назад +7

      But it wouldn't be good for business

    • @heirtothethrone9428
      @heirtothethrone9428 11 месяцев назад +6

      This video is facts I’m 22 with an Amex and 20,000 in credit cards ,743 experian, 717 equifax,701 transunion . I followed these steps at the age of 18 I can confirm this is true

    • @shaunnaemmons1297
      @shaunnaemmons1297 11 месяцев назад

      Solvency Backdoor is bogus

    • @dmc4747
      @dmc4747 11 месяцев назад

      @@shaunnaemmons1297 lies

    • @victorhaywood9995
      @victorhaywood9995 11 месяцев назад +2

      It was in the 70s and 80s.
      I graduated in 83, so I'm not sure why the schools stopped.

  • @PaulTheadra
    @PaulTheadra 11 месяцев назад +209

    when I was growing up, we flexed on each other by how many girls/boys we could get, now it's how high your credit score is.

    • @vallariestephens2853
      @vallariestephens2853 11 месяцев назад +1

      Yes,the tomfoolery and goofy days of youth-as well as aged nowadays

    • @insidethebnb
      @insidethebnb 11 месяцев назад +3

      And that's for women to see if they'd want to use you to get free meal. Imagine a dating app that uses your financial fitness and not your photo to determine if you're a worthy person to make babies with!

    • @PaulTheadra
      @PaulTheadra 11 месяцев назад +3

      @@insidethebnb idk, I knew some dudes who used to do that very thing, lol

    • @narylay8591
      @narylay8591 11 месяцев назад +1

      😂

    • @KillRoy24
      @KillRoy24 Месяц назад

      I flex my credit !! 👋 I’m Working Hard on that! 💯

  • @mrtreezz8251
    @mrtreezz8251 11 месяцев назад +76

    ive been working on my credit for years. was at 728. paid my car off and it went down 54 points! this systems is a rigged bs pos. im done. this world is bullshit

  • @SofiaJames9H
    @SofiaJames9H 26 дней назад +172

    Investments are the roots of financial security; the deeper they grow, the stronger your future will be."

    • @NicholasJames3l
      @NicholasJames3l 26 дней назад

      The deeper your investment roots, the stronger your financial security will be in the future.

    • @JulianBenjamin3d
      @JulianBenjamin3d 26 дней назад

      Exactly! With my adviser, I’ve cultivated deep investment roots, strengthening my financial security for the future.

    • @ChristopherJeffreynx8
      @ChristopherJeffreynx8 26 дней назад

      I would love an introduction to an adviser who can help me strengthen my financial roots.

    • @JulianBenjamin3d
      @JulianBenjamin3d 26 дней назад

      My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further.

    • @ChristopherJeffreynx8
      @ChristopherJeffreynx8 26 дней назад

      Thank you for this amazing tip. I just looked the name up and wrote her.

  • @x2dab184
    @x2dab184 11 месяцев назад +14

    I had a 816, but then i had a fraud case, and it dropped it 104 points when i closed the account. Such BS, i need to work on disputing the drop.

  • @justinredman4389
    @justinredman4389 11 месяцев назад +55

    Another aspect of paying bills to reflect on credit reports is understanding “payment due date” vs “statement closing date”

  • @MrChanw11
    @MrChanw11 11 месяцев назад +19

    Forgot about increasing my credit line in awhile, got boosted from 7,500 to 10,500. Thanks for reminding me!

  • @shan4078
    @shan4078 11 месяцев назад +37

    Oh my goodness Brian, you cracked me up. You're so up front about the foolishness that we all have when young😂😅😂

    • @clearvaluetax9382
      @clearvaluetax9382  11 месяцев назад +8

      I'm sure many of us went through that phase Shan!

  • @albertoacosta6788
    @albertoacosta6788 11 месяцев назад +27

    I just made it 800 last week

  • @bensonella5175
    @bensonella5175 11 месяцев назад +8

    My credit has been repaired !!!!

  • @Scott_Goodwin
    @Scott_Goodwin 11 месяцев назад +12

    I paid off a credit card and my score dropped 50 points. Granted it rebounded after s month or so, but still. Glad I wasn't trying to buy a house or some other major purchase requiring credit.

  • @darrylk808
    @darrylk808 11 месяцев назад +25

    Who gave 3 companies so much power over peoples ability to get credit?
    I see my score fluctuate by 80 - 90 points monthly. I think it's due to utilization. I travel a lot, and when I have a huge CC bill, a month later, the score drops. Then I pay it off, and a month later, it jumps back up. I need to ask for more credit! 😁

    • @kwayjay3740
      @kwayjay3740 3 месяца назад +3

      Exactly... who gave them the power to collect people's personal info.

  • @Elsa-qy9hr
    @Elsa-qy9hr 11 месяцев назад +13

    #6 is DEFINITELY a worthy mention. I did this with my mate & it helped immensely. Some call this piggy backing 👌

    • @franciscolopez3224
      @franciscolopez3224 6 месяцев назад

      Your absolutely correct, you Don't need to let an authorized user to use the credit card , just let them piggy back and their score will climb.

  • @cyborg1275
    @cyborg1275 7 месяцев назад

    Don't know why i ever stopped visiting this channel. Clear Value Tax ALWAYS has something to offer that's WORTH listening to and applying. The people are truly benefitting from all that you share with us. So, thanx and keep up the good work! 😊👍

  • @karandancharan6264
    @karandancharan6264 6 месяцев назад

    We need more wise and compassionate individuals like you, Adrian Ruthnik. Your support arrived at the perfect moment, and your contributions are deeply appreciated.

  • @Diceplease2042
    @Diceplease2042 11 месяцев назад +24

    This was an excellent educational video. Thank you for the great content! I have applied and been approved for credit cards here and there. This video really opened my eyes more on lines of credits! Thank you for the information! 😎🤝

    • @clearvaluetax9382
      @clearvaluetax9382  11 месяцев назад +3

      Thank you for that feedback and all the support. I appreciate it so much DicePlease!

    • @isagoldfield7393
      @isagoldfield7393 10 месяцев назад +1

      He’s very helpful♥️

  • @ravindrawaghmare3018
    @ravindrawaghmare3018 6 месяцев назад

    The efficiency of Adrian Ruthnik is next level. Managing walkthroughs from various angles with such clarity is remarkable. Making complex topics easy to understand is really something. Awesome work!

  • @ravishankarram3106
    @ravishankarram3106 6 месяцев назад

    Respect should not be underestimated. Your mature and thoughtful actions are commendable. Thank you, Adrian Ruthnik.

  • @henryaguirre9368
    @henryaguirre9368 Месяц назад

    Makes me so happy I’m unknowingly doing these steps to build my credit

  • @lizcorredor3480
    @lizcorredor3480 11 месяцев назад +2

    You are extremely extremely smart I love watching your videos great information and very professional thank you for your videos❤❤❤❤❤❤❤

  • @gaming_ahmad0786
    @gaming_ahmad0786 6 месяцев назад

    My account was hacked, and despite following the video's method, I faced difficulties. Thank you, Adrian Ruthnik. Seeing your name in the comments speaks volumes about your good work.

  • @941asland
    @941asland 11 месяцев назад +36

    My parents put us as authorized users to build credit over the years. That's the only reasonable situation where that would be okay imo.
    Also, some credit cards with annual fees have lower tier cards without fees that they will allow you to downgrade to. So you can keep your credit, but lose the fee.

    • @earlbrown
      @earlbrown 11 месяцев назад

      Yep. When AmEx pissed me off with my Blue Cash card, I told them to knock it down to the free (useless 1% card). When the new card got here, I never even bothered to activate it.
      It is kind funny how being an authorized user without the responsibility to pay the card actually builds credit. What is credit worthy about zero responsibility?
      And my parents did the same thing for me back when I was a ghost. Added me to their ancient AmEx account and had the card sent to their address. When 'my card' got there, they cut it in half. I never even put eyes on it.
      Had over 30 years of $60K credit history in one day. Over 700 beacon and never paid one dollar on that card.

    • @clearvaluetax9382
      @clearvaluetax9382  11 месяцев назад +3

      Agreed 941asland!

    • @dct1238
      @dct1238 11 месяцев назад

      Except when your daughter ruins your credit by overusing and not paying your Macy's card 😒 🤦‍♀️

    • @tomcat8662
      @tomcat8662 11 месяцев назад +1

      Works well when your parents have good credit.

    • @941asland
      @941asland 11 месяцев назад

      @dct1238
      Oof. Sorry, bud 😅

  • @Hardwork4889
    @Hardwork4889 6 месяцев назад

    Big thanks, Adrian Ruthnik, for your assistance. Although the steps were challenging, your guidance was invaluable. Thank you, Jon.

  • @leftysidewinder
    @leftysidewinder 11 месяцев назад +3

    The problem with trying to maximize credit score is that you lose out on high yield savings interest or other short term use of the free floater loan from credit card if you pay the balance before the statement cycle date. Sure, nice to have high credit score, but if you’re not applying for credit card or other loan, no need to prepay the credit card charges prior to the statement cycle date.

  • @keyurchitnis2318
    @keyurchitnis2318 11 месяцев назад

    Personally, one of the best financial advice i have received in terms of banking and how to deal with lenders. Thank you!!

  • @deepakchandra5648
    @deepakchandra5648 6 месяцев назад

    Your innovative spirit and dedication to your work deserve appreciation. Thank you, Adrian Ruthnik, for making corporate life smoother. Proud to have you on our team.

  • @Tracy-wr7mj
    @Tracy-wr7mj 11 месяцев назад +1

    First its unfortunate some have such power over your credit...also i was going to trade my car in for another from the dealer ..i always use..i was denied at first because they ( the credit reporters) said i had no credit cards and they wanted very badly to get me into one of their credit cards..i did have a credit card for years and thats a load of b.s. ...i went back to the dealer and told them what i found out and they reconsidered thankfully. Thanks Honda.

  • @Biswajit7371
    @Biswajit7371 6 месяцев назад

    Thank you for sharing your insights. Hopelessness is the worst feeling, and I hope others find hope through Adrian Ruthnik's efforts.

  • @ArjunChauhan-k5z
    @ArjunChauhan-k5z 6 месяцев назад

    Thank you, Adrian Ruthnik, for your help. Although the video tutorial was challenging, your guidance was invaluable. I appreciate your efforts.

  • @jaewannjoseph
    @jaewannjoseph 11 месяцев назад +1

    I love how serious you are with these videos but also pretty funny lol

  • @pernellhaynesworth1212
    @pernellhaynesworth1212 11 месяцев назад +8

    Definitely a major flex Brian 😂😂📌💯🐐

    • @paulheydarian1281
      @paulheydarian1281 10 месяцев назад

      Is it like p€nis size and sending chicks or dudes your d!ck p!cks? 🤔

  • @76Fordblue
    @76Fordblue 11 месяцев назад +5

    Do they run your credit when you ask for a limit increase on your?

    • @clearvaluetax9382
      @clearvaluetax9382  11 месяцев назад +6

      No they will not, that will be a soft inquiry.

    • @dec1slh
      @dec1slh 11 месяцев назад +3

      Some do some don't

  • @isagoldfield7393
    @isagoldfield7393 10 месяцев назад +1

    Thank You so much Brian for this content, this is so helpful. Great explanation⭐️⭐️⭐️⭐️⭐️

  • @Nicole-n7d9f
    @Nicole-n7d9f Месяц назад

    Thank you man this knowledge you are sharing is appreciated. God bless you

  • @veterangaming9511
    @veterangaming9511 11 месяцев назад +5

    Awesome! Love the information and explanations. Quite helpful with looking at the big picture

  • @T8rB
    @T8rB 11 месяцев назад +14

    846??? Clear value is such an Alpha male 😮 🔥

    • @clearvaluetax9382
      @clearvaluetax9382  11 месяцев назад +24

      I’m not an alpha and don’t get along with alphas. I’m a sigma.

    • @d.knight6008
      @d.knight6008 Месяц назад

      😂😂😂​@@clearvaluetax9382

  • @rosebloom2518
    @rosebloom2518 11 месяцев назад +4

    Happy Monday Brian!!! Have a great day!☀️🌺

    • @clearvaluetax9382
      @clearvaluetax9382  11 месяцев назад +1

      Happy Monday Rose Bloom! I wish you a great day as well!

  • @maturechick9536
    @maturechick9536 25 дней назад

    Excellent information ! Thank you!

  • @gmooney77
    @gmooney77 2 месяца назад

    Having your score go down when you pay off an account sucks. It's happened to me multiple times. Feels very scummy considering I'm doing the very thing I should be doing, paying off the loan.

  • @cheevosupremo
    @cheevosupremo 11 месяцев назад +2

    5:15 this happened to me as well. I always thought “it’s not 200 years ago they can’t put me in debtors prison anymore” but metaphorically they do now

    • @samanthaquintero1732
      @samanthaquintero1732 11 месяцев назад

      The method this video pointed to isn’t really working for fixing your credit and getting rid of negative items off your reports.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports 👌

    • @samanthaquintero1732
      @samanthaquintero1732 11 месяцев назад

      Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.

    • @samanthaquintero1732
      @samanthaquintero1732 11 месяцев назад

      Their name is spelt as *Future imperative corps* … They’re specialized with finance and credit😊..

    • @samanthaquintero1732
      @samanthaquintero1732 11 месяцев назад

      I’m glad to get the privilege to get to know about their name and looked it up online.

    • @samanthaquintero1732
      @samanthaquintero1732 11 месяцев назад

      *All you just need to do is just to look their name up online to see their website*

  • @mommy_and_lulu9271
    @mommy_and_lulu9271 9 месяцев назад +2

    How do I get cc with low interest

  • @nellosnook4454
    @nellosnook4454 11 месяцев назад +4

    Thanks CVT! 👍
    EXCELLENT advice! 🙏

  • @JosePerez-zt8si
    @JosePerez-zt8si 11 месяцев назад +6

    Don't get it,120,000 dollars available credit between 21 accounts all good standing, one 10,000 loan paid off only 1000 dollars bedt and my oldest card is 15 years never late only use less than 10 percent of available credit individually. My fico score is 803

    • @Tien1million
      @Tien1million 11 месяцев назад +3

      At least you're in the 800. I'm 779 and my report show I have perfect record. 3% utilization, no late, 20+ years credit, zero hard inquiries. I don't get it

  • @PinkLadyNews
    @PinkLadyNews 11 месяцев назад +5

    Experian Vantage Score 8 is hard to move up and I don't know why. You showed Vantage Score 9...which one is the one to believe? Or are there different type of scores under each Credit Reporting Bureau?

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      The method this video pointed to isn’t really working for fixing your credit and getting rid of negative items off your reports.. *Solvency backdoors* is the solution to all bad credit score, negative & derogatory items on reports 👌

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *solvency backdoors* keep up the good work and thanks for fixing people’s credit.

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      Their name is spelt as *solvency backdoors* … They’re specialized with finance and credit😊..

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      I’m glad to get the privilege to get to know about their name and looked it up online.

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      *All you just need to do is just to look their name up online to see their website*

  • @jonapierce1972
    @jonapierce1972 8 месяцев назад

    When does the 7yrs count on debt? From last late payment or when the account started?

  • @wendysherbert3257
    @wendysherbert3257 7 месяцев назад

    I like your info graphics. They were clear and helpful.

  • @shivam_100_k
    @shivam_100_k 6 месяцев назад

    Honestly, Adrian Ruthnik, I am amazed by your consistent ability to deliver exceptional work every single time. Your willingness to help during my time of need is deeply appreciated. Thank you for your support and kindness. I am proud of your ability to overcome challenges and consistently achieve outstanding results.

  • @MGglenn
    @MGglenn 11 месяцев назад +1

    This is great information!! One exception: Identity Theft. I had identity theft around 2018 (not sure exactly when got hacked) and I've been to court 4 times and numerous requests to credit bureau's to correct yet NOTHING fixed yet. Please provide advice how to fix??

    • @samanthaquintero1732
      @samanthaquintero1732 11 месяцев назад

      The method this video pointed to isn’t really working for fixing your credit and getting rid of negative items off your reports.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports 👌

    • @samanthaquintero1732
      @samanthaquintero1732 11 месяцев назад

      Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.

    • @samanthaquintero1732
      @samanthaquintero1732 11 месяцев назад

      Their name is spelt as *Future imperative corps* … They’re specialized with finance and credit😊..

    • @samanthaquintero1732
      @samanthaquintero1732 11 месяцев назад

      I’m glad to get the privilege to get to know about their name and looked it up online.

    • @samanthaquintero1732
      @samanthaquintero1732 11 месяцев назад

      *All you just need to do is just to look their name up online to see their website*

  • @Shakashack2022
    @Shakashack2022 8 месяцев назад

    So how many credit cards should one own? Also, I read somewhere that when paying off debt, the highest APR credit card should be paid off first, while paying minimum to the lower APR. But then I saw another recommend the opposite - pay the lowest APR balance first. Which is actually better? Thank you, new here.

  • @istandinawe6319
    @istandinawe6319 11 месяцев назад

    Love the transparency 😊. Seeing who you are now gives hope 😊

    • @istandinawe6319
      @istandinawe6319 11 месяцев назад

      @@MSilah nahhhh they’re actually predatory. They help you lie and say that you don’t know of the debt. Then charge for something that you could for free.
      I’ve done it for free

  • @kevinholaway3998
    @kevinholaway3998 11 месяцев назад +4

    Ty Brian 🎉

  • @ShayWilliam341
    @ShayWilliam341 11 месяцев назад +1

    Thanks for the information I’m currently working on my credit so I can buy a home in 2 years

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      The method this video pointed to isn’t really working for fixing your credit and getting rid of negative items off your reports.. *Solvency backdoors* is the solution to all bad credit score, negative & derogatory items on reports 👌

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *solvency backdoors* keep up the good work and thanks for fixing people’s credit.

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      Their name is spelt as *solvency backdoors* … They’re specialized with finance and credit😊..

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      I’m glad to get the privilege to get to know about their name and looked it up online.

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      *All you just need to do is just to look their name up online to see their website*

  • @LAUGH_LINE321
    @LAUGH_LINE321 6 месяцев назад +1

    Already down credit like 680 to 540 due to financial difficulty, didn't pay several credit cards, has the loan. Now how to build up?

  • @Under510
    @Under510 4 месяца назад

    Thanks for sharing these valuable tips!

  • @TJ-Stackin
    @TJ-Stackin 11 месяцев назад +3

    Credit is pretty darn important in the United States.

  • @bannerrj41
    @bannerrj41 11 месяцев назад

    Thank you Brian for all you do.

  • @AriaDiamond
    @AriaDiamond 11 месяцев назад

    Some of the credit cards too you can lock if you are not using it to reduce worries of fraud on it.

  • @paulettewhite2866
    @paulettewhite2866 11 месяцев назад +2

    I'm so grateful for your illustrations on how to get good credit and keep it. I have a question for you. I know that closing a credit card is a bad hit, but what if you had a card for years and kept it paid off and hadn't used it for several months, just to have that company close it for non use?! Thank you!😊

    • @MirandaN407
      @MirandaN407 11 месяцев назад +1

      It’s better for the company to close the account that way it won’t hurt you.

    • @paulettewhite2866
      @paulettewhite2866 11 месяцев назад +1

      @@MirandaN407 thank you! I was so worried it would be detrimental to my credit score! ❤😁

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      The method this video pointed to isn’t really working for fixing your credit and getting rid of negative items off your reports.. *Solvency backdoors* is the solution to all bad credit score, negative & derogatory items on reports 👌

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *solvency backdoors* keep up the good work and thanks for fixing people’s credit.

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      Their name is spelt as *solvency backdoors* … They’re specialized with finance and credit😊..

  • @Vito_993
    @Vito_993 11 месяцев назад +4

    Credit score don’t mean nothing, I have 803 and I still paid high interest when I was buying a new car

    • @Mijah-ff8ib
      @Mijah-ff8ib 4 месяца назад

      It means everything, especially in the USA or Canada.

    • @Vito_993
      @Vito_993 4 месяца назад

      @@Mijah-ff8ib no it doesn’t you still get the same interest as some as low 400

  • @dieselmechanic1423
    @dieselmechanic1423 11 месяцев назад

    I was living life when i was young and plus cash ruled not this systematic bs now but good for you Brian keep it up

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      The method this video pointed to isn’t really working for fixing your credit and getting rid of negative items off your reports.. *Solvency backdoors* is the solution to all bad credit score, negative & derogatory items on reports 👌

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *solvency backdoors* keep up the good work and thanks for fixing people’s credit.

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      Their name is spelt as *solvency backdoors* … They’re specialized with finance and credit😊..

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      I’m glad to get the privilege to get to know about their name and looked it up online.

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      *All you just need to do is just to look their name up online to see their website*

  • @peterkwok9608
    @peterkwok9608 11 месяцев назад

    Thank you Brian for your insight.

  • @shahzeenkhan2216
    @shahzeenkhan2216 11 месяцев назад +1

    Get a debit card that builds credit, it cost money but it helped me out a lot

  • @infinitebeast5517
    @infinitebeast5517 11 месяцев назад

    Thank you for the great video!

  • @ms.blumoonsage8699
    @ms.blumoonsage8699 11 месяцев назад

    Thank you for all your knowledge. Much appreciated. You have yourself a Supa day!

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      The method this video pointed to isn’t really working for fixing your credit and getting rid of negative items off your reports.. *Solvency backdoors* is the solution to all bad credit score, negative & derogatory items on reports 👌

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *solvency backdoors* keep up the good work and thanks for fixing people’s credit.

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      Their name is spelt as *solvency backdoors* … They’re specialized with finance and credit😊..

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      I’m glad to get the privilege to get to know about their name and looked it up online.

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      *All you just need to do is just to look their name up online to see their website*

  • @fishinthepool
    @fishinthepool 9 месяцев назад

    to build my credit, should i purchase stuff and stay in 0-9% of utilization or just lock the card and not spend anything?

  • @Miltonfrank39
    @Miltonfrank39 11 месяцев назад

    Thank u very much. Really appreciate u for your information on credit and your professionalism with credit increases

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      The method this video pointed to isn’t really working for fixing your credit and getting rid of negative items off your reports.. *Solvency backdoors* is the solution to all bad credit score, negative & derogatory items on reports 👌

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *solvency backdoors* keep up the good work and thanks for fixing people’s credit.

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      Their name is spelt as *solvency backdoors* … They’re specialized with finance and credit😊..

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      I’m glad to get the privilege to get to know about their name and looked it up online.

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      *All you just need to do is just to look their name up online to see their website*

  • @prettyblac428
    @prettyblac428 11 месяцев назад +3

    Been following since day 1

    • @clearvaluetax9382
      @clearvaluetax9382  11 месяцев назад

      I can’t believe it’s going to be 5 years on RUclips.

    • @prettyblac428
      @prettyblac428 11 месяцев назад

      @@clearvaluetax9382 it’s been a long time coming!!

  • @SupremegreenlawncareLLC
    @SupremegreenlawncareLLC 4 месяца назад +1

    Very solid information!

  • @oSTYNCLSYo
    @oSTYNCLSYo 27 дней назад +1

    How reliable is CreditKarma?

  • @josephkelley3035
    @josephkelley3035 10 месяцев назад +1

    You are awesome!!

  • @saramarie5628
    @saramarie5628 11 месяцев назад

    Experience and transunion credit scores are such different numbers mine is over 100 point difference and it depends on where the place pulls from

    • @clearvaluetax9382
      @clearvaluetax9382  11 месяцев назад

      Yes, I’ve noticed the same thing regarding the variance. It can be quite large.

  • @24mbronc
    @24mbronc 11 месяцев назад +1

    I have no debt besides a student loan that is in collections. How does this affect my credit score? I never use more than 5% of my available credit card availability and ALWAYS pay it on time. My home is paid for and I have no auto loans.

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      The method this video pointed to isn’t really working for fixing your credit and getting rid of negative items off your reports.. *Solvency backdoors* is the solution to all bad credit score, negative & derogatory items on reports 👌

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *solvency backdoors* keep up the good work and thanks for fixing people’s credit.

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      Their name is spelt as *solvency backdoors* … They’re specialized with finance and credit😊..

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      I’m glad to get the privilege to get to know about their name and looked it up online.

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      *All you just need to do is just to look their name up online to see their website*

  • @Raulo707
    @Raulo707 6 месяцев назад

    Thank God he flexed like that ! That’s all you need really !

  • @ronbeck201
    @ronbeck201 11 месяцев назад +1

    For me my credit score means nothing when it comes to getting a mortgage. Being self employed they go by my income which is kinda low (there is only so much you can do with 2 hands). Also my oldest account has been 10 to 11 years old and never increases, been that way for 6 to 8 years.

    • @77Joseph777
      @77Joseph777 11 месяцев назад +1

      The trick is to have at least 3 credit cards open and use them sparingly and pay off. It will boost your credit score.

  • @mackman3294
    @mackman3294 11 месяцев назад +4

    No Brian your flexing but it's ok 😂

  • @vivianogbebor365
    @vivianogbebor365 11 месяцев назад

    Thanks for sharing 🙏🏽

  • @pooh4519
    @pooh4519 11 месяцев назад

    What about the timing of when to make a card payment each month. It affects when the agencies see how much you are using the card?

  • @greeneclipse8088
    @greeneclipse8088 11 месяцев назад +7

    Mine is stuck at 798 🙃

    • @clearvaluetax9382
      @clearvaluetax9382  11 месяцев назад +3

      798 is awesome!

    • @Mr8675309ful
      @Mr8675309ful 11 месяцев назад +1

      Age will get you over the 800 mark, just be patient.

  • @sidneysmith6286
    @sidneysmith6286 11 месяцев назад +1

    Because of covid I fell into a lot of debt. Credit cards, repo, medical bills, etc. Should I pay off all my bills to improve my credit?

  • @mrs.fernandez2744
    @mrs.fernandez2744 11 месяцев назад +1

    Thank you so much for the info!

    • @clearvaluetax9382
      @clearvaluetax9382  11 месяцев назад

      It's my pleasure and I thank you for the support Mrs Fernandez!

  • @t-fuelernienotoriousmisfit7449
    @t-fuelernienotoriousmisfit7449 11 месяцев назад +1

    Brian, this was another keeper video 💯😍🚀

    • @clearvaluetax9382
      @clearvaluetax9382  11 месяцев назад

      Thank you for all the support! I appreciate it so much! Nice cat!

  • @brendad940
    @brendad940 11 месяцев назад +9

    How can one build credit on an extremely limited fixed income when you aren't eligible for credit? Thank you for all your valuable advice Brian, you've been my go to since you had less than 50,000 subs! Happy new year everyone!

    • @SGV87
      @SGV87 11 месяцев назад

      don't get credit.

    • @Villianthropist
      @Villianthropist 11 месяцев назад

      If you may allow I can recommend someone who can help you with your problem

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      The method this video pointed to isn’t really working for fixing your credit and getting rid of negative items off your reports.. *Solvency backdoors* is the solution to all bad credit score, negative & derogatory items on reports 👌

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *solvency backdoors* keep up the good work and thanks for fixing people’s credit.

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      Their name is spelt as *solvency backdoors* … They’re specialized with finance and credit😊..

  • @Trwanddon
    @Trwanddon Месяц назад

    When my husband died our pickup payment was on automatic. As soon as he died, that stopped, but I didn't know until 3 months later. The bank refused to fix it, even though I paid off the entire balance.
    Also, even though I was the one paying off the mortgage, it doesn't count on my credit score because I was the second person on the loan--the wife. Such bull! I would have taken the hit for not paying. Sex discrimination lives!

  • @danzora
    @danzora 9 месяцев назад

    Thank you so much for this 🙏🏻

  • @rohanmeena7477
    @rohanmeena7477 6 месяцев назад

    Your performance has been incredibly helpful to me, Adrian Ruthnik. Thank you for your hard work and dedication. Your fantastic idea was crucial in my success, and I am truly grateful. Your reliability is invaluable, and I appreciate the quality of your work.

  • @JuanGarcia-vn1jw
    @JuanGarcia-vn1jw 11 месяцев назад +1

    Where’s the link to the other video?

  • @jogmas12
    @jogmas12 11 месяцев назад +27

    My credit score is 839. Why am I watching this video??? 😮

    • @joelr7208
      @joelr7208 11 месяцев назад +6

      Because you want it at 845 admit it !
      Plus Brian is awesome so why not show love? With a like and share

    • @clearvaluetax9382
      @clearvaluetax9382  11 месяцев назад +5

      Congrats, that is an awesome score Jogmas!

    • @peters.6343
      @peters.6343 6 месяцев назад

      I know mines 823

    • @emimon2351
      @emimon2351 Месяц назад +1

      So you can flex in the comments, obviously 🙄

  • @Yayi.Feraudy
    @Yayi.Feraudy 11 месяцев назад +4

    Happy new year 🎊. Thank you for always helping others. God bless you !! 🙏🏾

    • @clearvaluetax9382
      @clearvaluetax9382  11 месяцев назад

      Happy New Year to you as well! I wish you an excellent year!

  • @kdefensemartialarts8097
    @kdefensemartialarts8097 11 месяцев назад +1

    Thank you for your videos.

  • @lauracappuccino1484
    @lauracappuccino1484 7 месяцев назад

    I wonder if I do one of those credit cards that help build your credit ? I don’t have any credit cards

  • @kemiadams7900
    @kemiadams7900 3 месяца назад

    Thank you ❤

  • @daeJhitt
    @daeJhitt 11 месяцев назад

    thank you

  • @floridaglitz
    @floridaglitz 11 месяцев назад +2

    Great Video...Thank You! ❤

  • @jamaicanblackqueen
    @jamaicanblackqueen 11 месяцев назад

    Is it okay to add utilities or rent on your credit score?

  • @iwinzeazy
    @iwinzeazy 5 месяцев назад

    I will definitely be dropping my card with the annual fee 🇺🇸

  • @zuozuo9192
    @zuozuo9192 11 месяцев назад +2

    I can confirm that being an authorized user on someone else's credit card works. I have over 120 cards myself and I have been adding people to my cards as authorized users as a side hustle - it improves their score and allows them to repair their credit, quality for a mortgage, car loan, etc.

    • @Oahu-
      @Oahu- 11 месяцев назад +3

      But you don’t actually give them your card though right?

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      The method this video pointed to isn’t really working for fixing your credit and getting rid of negative items off your reports.. *Solvency backdoors* is the solution to all bad credit score, negative & derogatory items on reports 👌

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *solvency backdoors* keep up the good work and thanks for fixing people’s credit.

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      Their name is spelt as *solvency backdoors* … They’re specialized with finance and credit😊..

    • @joycepayne3242
      @joycepayne3242 11 месяцев назад

      I’m glad to get the privilege to get to know about their name and looked it up online.

  • @anklebreaker9728
    @anklebreaker9728 11 месяцев назад +1

    Does checking your credit score regularly hurt your score? Can anyone clarify this?

  • @mercedeswilkins9085
    @mercedeswilkins9085 3 месяца назад

    Dispute all charges.

  • @Musane00
    @Musane00 11 месяцев назад +1

    Could you speak on 1031 the function of it?

    • @clearvaluetax9382
      @clearvaluetax9382  11 месяцев назад

      The 1031 like kind exchange?

    • @Musane00
      @Musane00 11 месяцев назад

      @clearvaluetax9382 1031 exchange yes that would be nice to elaborate on that.