So glad you did this video ... We tend to worry about this account or this credit balance or credit line, at the end of the day, if your not in control of these factors, especially the negatives,, you destroy any good things you do have...... Been there, done that ... took me years and a bank manager to repair my credit. Thank God this man to a interest and trust in me,... I'll never forget what he said to me, " you'll never have any banks trust with this type of credit behavior, you have been irresponsible... but I'm willing to help you, and this can be fixed " and he did , I'm low 700's now , he brought my score up over 200 points.. don't get me wrong I'm still working on my goal of 750 plus, and I'm still learning the game, but it feels good to walk into a bank and the person across the desk says " how much money would you like to borrow today " That my brudda, is priceless " Thank you for Sharing your personal journey with all of us, you speak from experience and truth ... you have a blessed weekend my friend. 👊
Thank you my guy appreciate all the kind words. We all make mistakes but we can still fix them and it sounds to me you been working and leveling ⬆️ your credit keep grinding your going to get to your goal of 750 real soon. You definitely correct we worry sometimes about shit that don’t matter as much as the basics and the fundamentals. We need to focus on building up our credit and solid ground. The end goal is always to get the “your approved” answer. Thanks again appreciate you as always. Salute!! #level🏹💥🏹💥🦾
Thank you queen appreciate it. Yes you can never know everything,the credit game it’s a lot to learn plus it changes to. Thanks for stopping by sis appreciate you as always. 🏹💥
Good video. Only one thing though. Inquiries can hurt your score but they can also be managed, I've gotten 13 credit cards in the last 5 months with very little affect to my credit score
Wow 13 credit cards in 5 months you on a mission 🦾.Thanks for the info appreciate it. Yea inquiries sometimes don’t affect us like that. You had a 5 month spread so it’s not too bad plus it might be spread out from all the credit bureaus to. Keep leveling 🏹💥
So I’m 18 and had my secured credit card for about 8 months and never made a late payment, only carried a balance so it would report to the Bureaus. I haven’t been reached out to about an increase/switch to unsecured credit so I’m looking to contact them about it but I recently became an authorized user on a family members card to boost my credit. Should I wait until my credit shows that I’m an authorized user (I think it’s when the statement comes out) or should I just contact them about an increase now? Also, I’m thinking about applying for another card so should I do them both at the same time? Preciate the knowledge brother.
Hey young king congratulations on being in the credit came early you definitely on the correct path. Yes that authorize user account will reflect on your credit report after the statement date but if you notice in the video fico not me said they don’t factor authorize users so having a primary tradeline mean more. Since you have a secured credit card they didn’t tell you when it’s supposed to graduate? With secured cards they don’t increase unless you put more money on them or they graduate. If I were you I would see if they can graduate me but I don’t know if your bank waits 12 or 6 months to graduate there secured credit cards. Since you been paying for 8 months you can actually apply for unsecured credit cards checkout a credit union like Penfed or your local credit union. Let me know how it goes and good luck. #level⬆️
@@levelupfinance1 With Navy Fed, they were supposed to review my account at 6 months to decide whether they graduate me or not but I haven’t heard anything. I have a 708EQ score so I’m confused as to why I haven’t been contacted about an upgrade yet 🤷🏾♂️. I guess I need to just contact them about it. I’ll definitely start looking into getting another card thanks 🙌🏾.
@@greatest.8831 Wait until 19th birthday and login and check the prequalify link to determine what you qualify for. I suggest you sign up for pledge loan with NFCU. If your parents have NFCU ask them to add you add AU with low utilization and no late payments & wait for reporting to put you in position for next NFCU application. This is how I establish sons relationship with NFCU in addition to opening a checking & savings account.
@@helseajefferson5640 Thanks for the reply. Luckily I just turned 19 a couple days ago lol, and I looked online and I prequalify for all of the cards they offer. I’ll also look more into getting a loan to boost my credit. About a month ago my mom added me as an AU and now that it’s being reported, my equifax score is up to a 746. Now It’s about applying for my own credit cards besides the secured one I have. Im not sure if I should wait a couple months to apply for CC’s or just do it now.
Good info but is this more targeted at personal credit scores and ratings? Will having over 7 to 30 % Credit utilization with business credit affect your overall Personal credit score and ratings ? As always Thanks for your valuable information.
Thanks you my guy appreciate you.Oh yea this info is definitely targeted for personal credit.You do these steps you put your personal credit in a great position to level 🏹🏹.
I’ll do them both the same day if possible I did that before. Apply for the increase on the app and then apply for a new cc and see what happens. It’s no wrong way to do it you can wait for the new cc. It’s all on you big bro but me if I can get a new cc I’ll get it. 🏹💥🏹💥
This info is to be a fico high achiever so if you still growing your credit profile get them inquiries and new accounts but at some point you going have enough credit cards then you can change your habits. 🏹💥
I like that you talk about what you did, how to navigate credit to build,and good information!
So glad you did this video ... We tend to worry about this account or this credit balance or credit line, at the end of the day, if your not in control of these factors, especially the negatives,, you destroy any good things you do have...... Been there, done that ... took me years and a bank manager to repair my credit. Thank God this man to a interest and trust in me,... I'll never forget what he said to me, " you'll never have any banks trust with this type of credit behavior, you have been irresponsible... but I'm willing to help you, and this can be fixed " and he did , I'm low 700's now , he brought my score up over 200 points.. don't get me wrong I'm still working on my goal of 750 plus, and I'm still learning the game, but it feels good to walk into a bank and the person across the desk says " how much money would you like to borrow today " That my brudda, is priceless " Thank you for Sharing your personal journey with all of us, you speak from experience and truth ... you have a blessed weekend my friend. 👊
Thank you my guy appreciate all the kind words. We all make mistakes but we can still fix them and it sounds to me you been working and leveling ⬆️ your credit keep grinding your going to get to your goal of 750 real soon. You definitely correct we worry sometimes about shit that don’t matter as much as the basics and the fundamentals. We need to focus on building up our credit and solid ground. The end goal is always to get the “your approved” answer. Thanks again appreciate you as always. Salute!! #level🏹💥🏹💥🦾
We on the road to get millions. Level Up
Yes ma’am!!!You already know that’s the end goal. #level🏹
Word!💯
Great information! You can never know enough about credit! Thank you for sharing!
Thank you queen appreciate it. Yes you can never know everything,the credit game it’s a lot to learn plus it changes to. Thanks for stopping by sis appreciate you as always. 🏹💥
Good video. Only one thing though. Inquiries can hurt your score but they can also be managed, I've gotten 13 credit cards in the last 5 months with very little affect to my credit score
Wow 13 credit cards in 5 months you on a mission 🦾.Thanks for the info appreciate it. Yea inquiries sometimes don’t affect us like that. You had a 5 month spread so it’s not too bad plus it might be spread out from all the credit bureaus to. Keep leveling 🏹💥
Keep the videos coming bro 💯
Yes sirrrrr will do. Salute. 🦾🏹💥
Great video man all those things are very important thanks! To get personal credit card anyway.
Your very welcome my guy appreciate the positive feedback 🦾. We get that personal correct so we never get denied again. 🏹
I was able to get a score over 800 with a mortgage, car loan, two small lines of credit and two credit cards. Cards and lines were with Navy Federal
Hey you definitely in the top 10% amazing score. What you doing works for you numbers don’t lie. 🏹💥
Thank you, short and sweet. Good info to know.
Straight to it today. Yes sirrr thank you. #level⬆️🏹
@@levelupfinance1 That watch piece is #BOSS! What's the brand and model?
A trade line will help the credit age a lot!
Level up ⬆️ 🏹
Yes sirrrrrrr!!! My guy salute.🦾🏹💥🏹💥
Yes sir 💪🏾
My guy!! 🦾🏹💥
Brother please do a video about the sable credit card. I’m hearing great things about it!
Yes sirrrr will do. Appreciate you bro. 🦾🏹💥
Ily bro ! Appreciate it all.
Thank you happy I give some value. Salute!! 🏹
You gonna get the inquires because you got to apply for the bank issued credit cards a/o store cards...
Oh yea definitely you get them tradelines but after awhile you might relax and not apply for nothing because you have enough credit cards. 🏹💥
So I’m 18 and had my secured credit card for about 8 months and never made a late payment, only carried a balance so it would report to the Bureaus. I haven’t been reached out to about an increase/switch to unsecured credit so I’m looking to contact them about it but I recently became an authorized user on a family members card to boost my credit. Should I wait until my credit shows that I’m an authorized user (I think it’s when the statement comes out) or should I just contact them about an increase now? Also, I’m thinking about applying for another card so should I do them both at the same time? Preciate the knowledge brother.
Hey young king congratulations on being in the credit came early you definitely on the correct path. Yes that authorize user account will reflect on your credit report after the statement date but if you notice in the video fico not me said they don’t factor authorize users so having a primary tradeline mean more. Since you have a secured credit card they didn’t tell you when it’s supposed to graduate? With secured cards they don’t increase unless you put more money on them or they graduate. If I were you I would see if they can graduate me but I don’t know if your bank waits 12 or 6 months to graduate there secured credit cards. Since you been paying for 8 months you can actually apply for unsecured credit cards checkout a credit union like Penfed or your local credit union. Let me know how it goes and good luck. #level⬆️
@@levelupfinance1 With Navy Fed, they were supposed to review my account at 6 months to decide whether they graduate me or not but I haven’t heard anything. I have a 708EQ score so I’m confused as to why I haven’t been contacted about an upgrade yet 🤷🏾♂️. I guess I need to just contact them about it. I’ll definitely start looking into getting another card thanks 🙌🏾.
@@greatest.8831 Wait until 19th birthday and login and check the prequalify link to determine what you qualify for. I suggest you sign up for pledge loan with NFCU. If your parents have NFCU ask them to add you add AU with low utilization and no late payments & wait for reporting to put you in position for next NFCU application. This is how I establish sons relationship with NFCU in addition to opening a checking & savings account.
@@helseajefferson5640 Thanks for the reply. Luckily I just turned 19 a couple days ago lol, and I looked online and I prequalify for all of the cards they offer. I’ll also look more into getting a loan to boost my credit. About a month ago my mom added me as an AU and now that it’s being reported, my equifax score is up to a 746. Now It’s about applying for my own credit cards besides the secured one I have. Im not sure if I should wait a couple months to apply for CC’s or just do it now.
Lovely video! New subscriber here🤗
Appreciate it.Thanks for the sub queen welcome to the Level Up Family.
So amazing thanks you sir
No problem. Thank you appreciate the positive feedback 🦾🏹💥
🔥
Can I schedule a call ?
Layin it out!
Yea sirrrr step by step to level 🏹
Good info but is this more targeted at personal credit scores and ratings? Will having over 7 to 30 % Credit utilization with business credit affect your overall Personal credit score and ratings ? As always Thanks for your valuable information.
Thanks you my guy appreciate you.Oh yea this info is definitely targeted for personal credit.You do these steps you put your personal credit in a great position to level 🏹🏹.
My 91/3 is approaching....what are your thoughts on applying for credit limit increase then apply for a new card?
I’ll do them both the same day if possible I did that before. Apply for the increase on the app and then apply for a new cc and see what happens. It’s no wrong way to do it you can wait for the new cc. It’s all on you big bro but me if I can get a new cc I’ll get it. 🏹💥🏹💥
In order to have a account you have to open new accounts and then comes the inquiries so hmmm
Shared/secured loans from credit unions= no inquiries ( Navy Federal hack)
Rent Reporters/ Rent Kharma= no inquiries +adds age
This info is to be a fico high achiever so if you still growing your credit profile get them inquiries and new accounts but at some point you going have enough credit cards then you can change your habits. 🏹💥
Thank you
So if you are over 60 then we're talking 69 70 yrs old...... for the late bloomers
Yea to be a “fico top achieve” but you can get great credit in a year and be able to get credit cards and loans so it’s never too late. 🏹
🔥
Yes sirrrr!!!🏹💥