When my husband and I got married in 2015, we were $22,000 in debt. It was left over from Dontae’s student loans with some of it being credit card debt until my colleague then told me to contact ZEUSHACKERS01 at OUTLOOKdot COM to help me clear my debts. I was just too impressed cos I never thought it was possible until they did it within a day. They can also help you with any hack service like fixing your credit score, catching cheating partner
Divide by 3... Take max limit and divide by 3. That's your new max limit. Example.. If credit card max is 3000/3= 1000 is your new max. This is how you utilize credit properly to raise your credit score.
I had 0 knowledge on credit at the age of 40 until I watched this brothers RUclips video on credit. Now my scores are in the 7+ and God willing will be closing on my first home 8-30-18 thanks Jay love you bro, no homo!!!!!!!
Goodmorning Jay . I've recently started watching your videos and think it's a good thing your doing . I've learned what to do and I'm going to continue watching so I can also teach and inform my son and nephews . I wish I had this information when I was young . If there is a way you can support me in teaching others let me know. Thanks again for all your info and work , I will stay tuned!
This was very informative. My credit score is now 780 I don't have any student loans paid for my nursing school with a scholarship and utilized the payment plan at the school which I paid thw cost out of pocket. Always dividing by 3 it what raised my credit score up. Thanks
Jay, I understand the idea behind the secure credit card and how to utilize that tool to improve credit (max limit divide by 3). How does the secure loan work? There's no max limit because you are paying back a set amount.
just for clarification, should i be paying off the entire amount of my statement each month? what do you mean by not paying it all at once if its a rotating payment.
ANDRÉA a rotating account is one that rotates, meaning you will have a balance due each month or billing cycle with interest (maybe). For example, if you spend $300 on your credit card that's has a max limit of $900. By paying this bill off at once, you would not build any credit, or prove that you have the ability to pay overtime. If it's a rotating account, you should pay a portion of the $300 that's due, let's say you pay $150. Then the next month, you decide to pay half of that, which leaves $75 as a remaining balance. The next month you choose to pay $60 of the $75 that's due. This will leave you with only $15 dollars left, now you can either decide to pay it off or continue making payments until you decide to use your card again. By doing this you're showing that you can make payments overtime on a rotating account. The amounts I used aren't perfect and was just for the example but this really does help. I recommend leaving a balance that you are comfortable and certain that you can & will pay each month.
Credit PatchUp LLC has helped me to get back my credit score that was messed up at the time of my divorce all thanks to Tina at Credit PatchUp LLC they are very helpful as to what to do and how to do it , and they do all the work have used them before and was satisfied both times, thanks again.(Tina@creditpatchup.com)
Credit PatchUp LLC has helped me to get back my credit score that was messed up at the time of my divorce all thanks to Tina at Credit PatchUp LLC they are very helpful as to what to do and how to do it , and they do all the work have used them before and was satisfied both times, thanks again.(Tina@creditpatchup.com)
Credit PatchUp LLC has helped me to get back my credit score that was messed up at the time of my divorce all thanks to Tina at Credit PatchUp LLC they are very helpful as to what to do and how to do it , and they do all the work have used them before and was satisfied both times, thanks again.(Tina@creditpatchup.com)
Credit PatchUp LLC has helped me to get back my credit score that was messed up at the time of my divorce all thanks to Tina at Credit PatchUp LLC they are very helpful as to what to do and how to do it , and they do all the work have used them before and was satisfied both times.thanks again.(Tina@creditpatchup.com)
Who is that goddess at the end I know y’all remember her voice she was on cyha da prince album - new Africa, at the end. Who is that queen talking at the end of the video ???
MANY DONT UNDERSTAND....ITS NOT ABOUT ACTING A FOOL OR TRYING TO PUT ON A SHOW!!! REAL PEOPLE..REAL LIVES...ITS NOT A MATTER OF WHO YOU ARE, ALOT OF PEOPLE NEED TO KNOW...ITS REAL AS IT GET!! DUE TO THE COLOR OF YOUR SKIN....GIVES YOU CHOICES!!! & NEVER STOP!! ITS THE PATH AND MOTIVE BEHIND EACH STEP YOU TAKE FOR YOUR LIFE,YOUR FAMILY,AND OUR COMMUNITIES AS MANY WAKE THE HELL UP!!!! IF YOU DONT KNOW STOP AND ASK WITH POSITIVE RESPECT & MOVEMENTS!!! SHACKLES BE GONE & LEAVE OUR PEOPLE ALONE AS THE SHINE AND TAKE BACK THEIR STRENGTH TO REBUILD AND UNITE FAMILIES WITH HOMEOWNERSHIP AND ESTABLISH BUSINESSES WITHIN THEIR OWN NEIGHBORHOODS THAT CONNECTS WITH OTHERS IN UNIFIED CORPORATE STANDINGS OF SUCCESS...PLZ. HELP REMOVE AND PROTECT....EACH 1 TEACHES 1 AS WE KONNECT THE DOTS!
Credit PatchUp LLC has helped me to get back my credit score that was messed up at the time of my divorce all thanks to Tina at Credit PatchUp LLC they are very helpful as to what to do and how to do it , and they do all the work have used them before and was satisfied both times.thanks again.(Tina@creditpatchup.com)
Credit PatchUp LLC has helped me to get back my credit score that was messed up at the time of my divorce all thanks to Tina at Credit PatchUp LLC they are very helpful as to what to do and how to do it , and they do all the work have used them before and was satisfied both times.thanks again.(Tina@creditpatchup.com)
It pains me to see someone who is looked upon as an "advisor" of finances is offering incorrect information. What is this 1/3 concept? And where did it come from? Use whatever amount, up to 100% of your available credit limit and use both your statement closing date and due date as ear marks. 1. Make sure your balance owed is no larger than 9% of your available balance on your statement closing date. Because that is the date cc companies report your utilization, which makes up for 30% of your calculated score. 2. Assure that your balance due for previous months statement is paid in full by your due date, do incur interest. This 30% or 1/3 thing has to catch cancer and die already.
Credit PatchUp LLC has helped me to get back my credit score that was messed up at the time of my divorce all thanks to Tina at Credit PatchUp LLC they are very helpful as to what to do and how to do it , and they do all the work have used them before and was satisfied both times.thanks again.(Tina@creditpatchup.com)
You can use over 30% that doesn't make much of a difference for your credit score. Main thing is paying your bills and not using it that much. Good thing is usually once you pay enough on it they will raise your credit limit, inadvertently decreasing you utilization.
Credit PatchUp LLC has helped me to get back my credit score that was messed up at the time of my divorce all thanks to Tina at Credit PatchUp LLC they are very helpful as to what to do and how to do it , and they do all the work have used them before and was satisfied both times.thanks again.(Tina@creditpatchup.com)
just for clarification, should i be paying off the entire amount of my statement each month? what do you mean by not paying it all at once if its a rotating payment.
![Megan Thee Stallion - Bigger In Texas [Official Video]](http://i.ytimg.com/vi/QxTkZTLWdo4/mqdefault.jpg)
"Credit" defined is the ability to make payments over time on time.
When my husband and I got married in 2015, we were $22,000 in debt. It was left over from Dontae’s student loans with some of it being credit card debt until my colleague then told me to contact ZEUSHACKERS01 at OUTLOOKdot COM to help me clear my debts. I was just too impressed cos I never thought it was possible until they did it within a day. They can also help you with any hack service like fixing your credit score, catching cheating partner
I was there! Right beside the camera guy!
Kierra Williams So what did the knowledge learned spark in you?
You are one beautiful Sista...
Divide by 3... Take max limit and divide by 3. That's your new max limit. Example.. If credit card max is 3000/3= 1000 is your new max. This is how you utilize credit properly to raise your credit score.
merio1992 okay take limit and * by 30%
merio1992 okay... Just getting the hang of this... I try to not go over 30% for instance 11,000 credit, my debt is 3000 and I just pay that on time.
Thanks bro!
I had 0 knowledge on credit at the age of 40 until I watched this brothers RUclips video on credit. Now my scores are in the 7+ and God willing will be closing on my first home 8-30-18 thanks Jay love you bro, no homo!!!!!!!
Fannen Hembah ok thank you
I’m in my new home
Goodmorning Jay . I've recently started watching your videos and think it's a good thing your doing . I've learned what to do and I'm going to continue watching so I can also teach and inform my son and nephews . I wish I had this information when I was young . If there is a way you can support me in teaching others let me know. Thanks again for all your info and work , I will stay tuned!
Awesome. I remember this teaching.
This was very informative. My credit score is now 780 I don't have any student loans paid for my nursing school with a scholarship and utilized the payment plan at the school which I paid thw cost out of pocket. Always dividing by 3 it what raised my credit score up. Thanks
Greatness man thank you. I never really fully grasped the idea of Credit, but you’ve made that much more clear to me. Thank you.
DAMN I LOVE THIS STREET SCHOOL....don't need no building to learn some real shyt...jay you exemplify this.....
I live this man and his heart. It's amazing what he's doing
Jay, I understand the idea behind the secure credit card and how to utilize that tool to improve credit (max limit divide by 3). How does the secure loan work? There's no max limit because you are paying back a set amount.
Barron McCaskill
Thx
Jay whats the best way to invest $1000 ?
just for clarification, should i be paying off the entire amount of my statement each month? what do you mean by not paying it all at once if its a rotating payment.
ANDRÉA a rotating account is one that rotates, meaning you will have a balance due each month or billing cycle with interest (maybe). For example, if you spend $300 on your credit card that's has a max limit of $900.
By paying this bill off at once, you would not build any credit, or prove that you have the ability to pay overtime. If it's a rotating account, you should pay a portion of the $300 that's due, let's say you pay $150. Then the next month, you decide to pay half of that, which leaves $75 as a remaining balance. The next month you choose to pay $60 of the $75 that's due. This will leave you with only $15 dollars left, now you can either decide to pay it off or continue making payments until you decide to use your card again. By doing this you're showing that you can make payments overtime on a rotating account. The amounts I used aren't perfect and was just for the example but this really does help. I recommend leaving a balance that you are comfortable and certain that you can & will pay each month.
Jordan Dempsey
Hello Jordan, what was the cost to fix your credit, also was the time spans, I know every situation is different?
Thank you so much!!!!
Credit PatchUp LLC has helped me to get back my credit score that was messed up at the time of my divorce all thanks to Tina at Credit PatchUp LLC they are very helpful as to what to do and how to do it , and they do all the work have used them before and was satisfied both times, thanks again.(Tina@creditpatchup.com)
God bless you! I'm happy that I came across your channel
Credit PatchUp LLC has helped me to get back my credit score that was messed up at the time of my divorce all thanks to Tina at Credit PatchUp LLC they are very helpful as to what to do and how to do it , and they do all the work have used them before and was satisfied both times, thanks again.(Tina@creditpatchup.com)
Thank you & God bless you.
I'm a believer. Thanks for the info!
Credit PatchUp LLC has helped me to get back my credit score that was messed up at the time of my divorce all thanks to Tina at Credit PatchUp LLC they are very helpful as to what to do and how to do it , and they do all the work have used them before and was satisfied both times, thanks again.(Tina@creditpatchup.com)
Credit PatchUp LLC has helped me to get back my credit score that was messed up at the time of my divorce all thanks to Tina at Credit PatchUp LLC they are very helpful as to what to do and how to do it , and they do all the work have used them before and was satisfied both times.thanks again.(Tina@creditpatchup.com)
What do you mean by “ NEW MAX “ 30% of 300 is 90 but dividing by 3 gives me 300. What’s the big difference? I though you want to keep under 30%
Thank you "big Brother Jay"
What if you are a secured party creditor?
Clean your mind before you start that new thought 💭 🙏🏽
I love this man!!!
So if you have credit where is the video where we are taught to leverage it?
Awesome video, thank you
Keep on pushing...
What course is that ? I would like to learn how to do that
When are you coming to Cleveland?
Who is that goddess at the end I know y’all remember her voice she was on cyha da prince album - new Africa, at the end. Who is that queen talking at the end of the video ???
That poem though!!! #yeswecan
MANY DONT UNDERSTAND....ITS NOT ABOUT ACTING A FOOL OR TRYING TO PUT ON A SHOW!!! REAL PEOPLE..REAL LIVES...ITS NOT A MATTER OF WHO YOU ARE, ALOT OF PEOPLE NEED TO KNOW...ITS REAL AS IT GET!! DUE TO THE COLOR OF YOUR SKIN....GIVES YOU CHOICES!!! & NEVER STOP!! ITS THE PATH AND MOTIVE BEHIND EACH STEP YOU TAKE FOR YOUR LIFE,YOUR FAMILY,AND OUR COMMUNITIES AS MANY WAKE THE HELL UP!!!! IF YOU DONT KNOW STOP AND ASK WITH POSITIVE RESPECT & MOVEMENTS!!! SHACKLES BE GONE & LEAVE OUR PEOPLE ALONE AS THE SHINE AND TAKE BACK THEIR STRENGTH TO REBUILD AND UNITE FAMILIES WITH HOMEOWNERSHIP AND ESTABLISH BUSINESSES WITHIN THEIR OWN NEIGHBORHOODS THAT CONNECTS WITH OTHERS IN UNIFIED CORPORATE STANDINGS OF SUCCESS...PLZ. HELP REMOVE AND PROTECT....EACH 1 TEACHES 1 AS WE KONNECT THE DOTS!
I have a business that I currently close how can I get money from it? it's an S corp
What is the poem called at the end
shit i need to get some credit first lol
Spectacular _God check his other vids out he's show how to get credit
Spectacular _God get a secured credit card
Credit PatchUp LLC has helped me to get back my credit score that was messed up at the time of my divorce all thanks to Tina at Credit PatchUp LLC they are very helpful as to what to do and how to do it , and they do all the work have used them before and was satisfied both times.thanks again.(Tina@creditpatchup.com)
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That women in the left mmmm she is fine ... love them black womens.
What about us people that have bad credit due to student loans. How can we work around that??
Francis Singh google it, there's plenty credit recovery programs
Credit PatchUp LLC has helped me to get back my credit score that was messed up at the time of my divorce all thanks to Tina at Credit PatchUp LLC they are very helpful as to what to do and how to do it , and they do all the work have used them before and was satisfied both times.thanks again.(Tina@creditpatchup.com)
3:37 Whah???
Darryl Banks Lol....idk what he said😂😂😂
Oh! I believe what he said was "Stop payin off cash, showin that you're ballin"
It pains me to see someone who is looked upon as an "advisor" of finances is offering incorrect information.
What is this 1/3 concept? And where did it come from?
Use whatever amount, up to 100% of your available credit limit and use both your statement closing date and due date as ear marks.
1. Make sure your balance owed is no larger than 9% of your available balance on your statement closing date. Because that is the date cc companies report your utilization, which makes up for 30% of your calculated score.
2. Assure that your balance due for previous months statement is paid in full by your due date, do incur interest.
This 30% or 1/3 thing has to catch cancer and die already.
Erhm... sorry what were the 3 proven strategies ... I only peeped one.
Credit PatchUp LLC has helped me to get back my credit score that was messed up at the time of my divorce all thanks to Tina at Credit PatchUp LLC they are very helpful as to what to do and how to do it , and they do all the work have used them before and was satisfied both times.thanks again.(Tina@creditpatchup.com)
You can use over 30% that doesn't make much of a difference for your credit score. Main thing is paying your bills and not using it that much. Good thing is usually once you pay enough on it they will raise your credit limit, inadvertently decreasing you utilization.
too much bll
Credit PatchUp LLC has helped me to get back my credit score that was messed up at the time of my divorce all thanks to Tina at Credit PatchUp LLC they are very helpful as to what to do and how to do it , and they do all the work have used them before and was satisfied both times.thanks again.(Tina@creditpatchup.com)
just for clarification, should i be paying off the entire amount of my statement each month? what do you mean by not paying it all at once if its a rotating payment.
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