Simple. 1. Pay attention to your statement open and close dates every month. 2. Use your card(s) between those dates. 3. Make payments between those dates - if you want. 4. Pay down before the close date to whatever utilization you need. 5. Let the card report. 6. Pay the bill on the day that you get your new statement (beginning of the new cycle). 7. Rinse and repeat.
Omg thank you!!! Even though I already know this, I'm listening for her to say it! I'm over half way thru the video and she keep going in circles! If I didn't know already I would be so confused!
I've been paying off my cards every month. All my cards are over 30k ..you don't have to leave balances. Some people do say that but from experience you do not have to leave balances.
You’re spot on! Paying off your cards in full every month is the smartest move-no need to leave balances. It keeps your utilization low, avoids interest, and shows lenders you’re on top of your game. That’s how you stay in control and build strong credit! 🙌
These last few weeks were wild, and I had forgotten to pay multiple credit cards. Fortunately, I was granted reversals on those late payments. However, when you mentioned autopay, I remembered how I'd meant to do that, so I paused the video and did it. Thank you for that reminder, Noelle!
I have paid off my CC and the credit score does not increase. It seems that the credit bureau companies take their time reporting the zero balance and applying it to your account.
Wonderful video. The only thing i would add. This only applies if you dont carry any debt. Whether auto, home, signature loans. If you carry debt you can pay off your credit card every month.
Thank you! 😊 Paying off your credit card in full is definitely smart, especially if you’re managing other debts like a car or home loan. It keeps your finances balanced and avoids extra interest. Great point! 👏
Valuable information if you can find those dates on your statement because all statements DON'T have this! It's crazy to pay anyone to help you get better credit. It's YOUR credit so educate yourself and get books from the library. Learn about BUDGETING, credit laws and all the important things about credit!!!
Thank you for telling people that good personal credit is the fastest way to business credit. Too many entrepreneurs are struggling with getting business credit without using personal credit. I DOESN'T WORK LIKE THAT.
You're awesome. I never worried about credit score before because I always had great credit until someone stole my identity. It took 7 months to "fix" my score. Thank you for your wisdom
I did not hear anything I can do. Once my bill comes I pay full and mindful; when the check comes if I keep charging I will end up paying interest charges, Yikes!..no money will be left.
Noel, If you are on auto pay and pay the bill before the due date, will the minimum due be deducted from my account? Will I pay them twice? Will I save interest, by paying before the due date? I didn't quite hear you say, that to be the case!
@@universalangei9320 they (the cc people) like auto pmts because they make more $. The amt deducted is just the min pmt on the due date. So the bal reduces slower. You can go in and pay more but most people dont. I have nothing on auto pmts.
Creditors usually look at late payments for up to 7 years, but don’t worry-the impact on your credit score fades over time. At first, it can hurt your score a lot, but after a few months, you’ll start to see the damage lessen. If it's been 12-24 months and you've been paying on time since then, you should see a big improvement. If you’re still feeling the sting, focus on paying your bills on time, lowering balances, and asking for credit limit increases. You can also try reaching out to your creditors for a "goodwill adjustment" to remove the late payments, especially if this was a rare slip-up and you've been a solid customer. Patience is key-stay consistent with your good credit habits, and you’ll see your score improve!
The best way to raise scores if you do not pay off the balance in full each month is to keep your credit usage 20% or lower for revolving credit. For example the credit limit on the card used in the example is $3000.00. The credit used should never go over @$600.00 unless the entire is being paid off each month.
Having an auto pay, it helps right good afternoon, beautiful from New York City 2:22 PM Monday, November 25 and happy Thanksgiving to you and your family. Can you answer my question please auto pay It helps right
OMG! Stop the word salad. Credit cards are basic math. Advise your listeners/viewers to review the terms/agreements for the card. Credit scores are basically based on how individuals handle/manage their financial commitment and circumstances.
LADY DIVA. GO HEAD ON!. HELP BLACK PEOPLE GAIN ECONOMIC KNOWLEDGE & SELF-DEFENSE. LEARN YOUR RIGHTS BLACK PEOPLE. CONSTITUTIONAL & STATE RIGHTS. MY AFRICAN BROTHER & SISTERS & COUSINS. (ALL INCLUSIVE). WE ARE FAMILY($).
That's great! A payment history of 89% means you're doing well overall, but you might want to focus on improving that last 11%. Remember, your payment history makes up 35% of your credit score, so even small improvements can make a big impact. Keep making those payments on time and consider setting up auto-pay to avoid any future late payments. You’re on the right track!
An 802 is amazing! 🚀 But late payments can still hurt in the long run since payment history is 35% of your score. Even one 30-day late can drop it fast. Setting up autopay is a game-changer-it’ll keep that 802 solid and growing.
🛠 📈 𝐑𝐚𝐢𝐬𝐞 𝐘𝐨𝐮𝐫 𝐂𝐫𝐞𝐝𝐢𝐭 𝐒𝐜𝐨𝐫𝐞 𝐅𝐚𝐬𝐭𝐞𝐫 𝐰𝐢𝐭𝐡 𝐂𝐑𝐄𝐀𝐓𝐈𝐕𝐄 𝐂𝐑𝐄𝐃𝐈𝐓 𝐒𝐎𝐋𝐔𝐓𝐈𝐎𝐍:
bit.ly/CcS11NR
💳 𝐁𝐮𝐢𝐥𝐝 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐂𝐫𝐞𝐝𝐢𝐭 𝐅𝐚𝐬𝐭𝐞𝐫 𝐖𝐢𝐭𝐡 𝐉𝐔𝐒𝐓𝐈𝐍 𝐌𝐈𝐑𝐂𝐇𝐄:
bit.ly/3eydxza
@@NoelleRandall1 thank you soo much for the information you give us.
FYI..The link for Justin Mirche is not working. Error shows that the page cannot be found.
@@king_atlien8276 - I see the link is working now.
I wanted to mention something that can mess up your credit by not your fault, Do Not Cosign For Nobody,even family
@@dreameryoung38 especially for family 😂
Absolutely. Don’t co-sign for ANYONE!
@@G..G.. Omg I'm learning the hard way which I could get my name off
😢FACTS 🙏 👍🏻 💯!!!!!!!!
I co-signed for a family member and they had the nerve to get ungrateful until I mention going taking them to court! I WAS DEAD SERIOUS TOO!
Simple.
1. Pay attention to your statement open and close dates every month.
2. Use your card(s) between those dates.
3. Make payments between those dates - if you want.
4. Pay down before the close date to whatever utilization you need.
5. Let the card report.
6. Pay the bill on the day that you get your new statement (beginning of the new cycle).
7. Rinse and repeat.
Thank you for getting to the point!
Good God❤
thank you.
I always pay my card payment early, and often more than the payment, but they always wait to take it until the due date to get more interest. Its BS.
Have you seen how long the food lines are?
Don't pay anyone to fix your credit. Do it yourself
right!
@@tracyslytv7134 Absolutely!!!!
You don’t need no consultation, just pay your bills on time or before
Pay 5 days early…✍🏾 got it ! Thanks for sharing !
Omg thank you!!! Even though I already know this, I'm listening for her to say it! I'm over half way thru the video and she keep going in circles! If I didn't know already I would be so confused!
@ 😂
I've been paying off my cards every month. All my cards are over 30k ..you don't have to leave balances. Some people do say that but from experience you do not have to leave balances.
You’re spot on! Paying off your cards in full every month is the smartest move-no need to leave balances. It keeps your utilization low, avoids interest, and shows lenders you’re on top of your game. That’s how you stay in control and build strong credit! 🙌
@@et8865 ditto
Paid cards off lowered my score 60 points to 440
@@ozzy.....7383 o my
@@ozzy.....7383 it will rebound
These last few weeks were wild, and I had forgotten to pay multiple credit cards. Fortunately, I was granted reversals on those late payments. However, when you mentioned autopay, I remembered how I'd meant to do that, so I paused the video and did it. Thank you for that reminder, Noelle!
Don’t forget to set due date alerts on your phone as well as auto pay
@@drleo6409 Much appreciated! I've just done that, too. 🤑
Do not charge any amount you cannot pay on the due date! Pay in full every month!
I have paid off my CC and the credit score does not increase. It seems that the credit bureau companies take their time reporting the zero balance and applying it to your account.
It will change 100%, just give it some time.
Thank you for this great content!
Do you help with taxes❓
Just came accross your channel!👏👏 I shared 2 of your videos w my daughter in NC. She's a new business owner & I love your fyi & energy! Ty.
Wonderful video. The only thing i would add. This only applies if you dont carry any debt. Whether auto, home, signature loans. If you carry debt you can pay off your credit card every month.
Thank you! 😊 Paying off your credit card in full is definitely smart, especially if you’re managing other debts like a car or home loan. It keeps your finances balanced and avoids extra interest. Great point! 👏
Valuable information if you can find those dates on your statement because all statements DON'T have this! It's crazy to pay anyone to help you get better credit. It's YOUR credit so educate yourself and get books from the library. Learn about BUDGETING, credit laws and all the important things about credit!!!
Thank you for telling people that good personal credit is the fastest way to business credit. Too many entrepreneurs are struggling with getting business credit without using personal credit. I DOESN'T WORK LIKE THAT.
Thanks for sharing. I pay it off before the due date 860 over here
@@margowhitlock7933 865 score!
Pay your bills when you get paid. Don't wait till the due date if no payday before the actual due date.
You're awesome. I never worried about credit score before because I always had great credit until someone stole my identity. It took 7 months to "fix" my score. Thank you for your wisdom
long story short, you want your statement to say $0 balance owed every month and show you paid already, the end
My daughter is 20 years old and her FICO score is 700 and she is not in debt. 😊😊
Awesome Video. I'll send this video to my kids to set them up for success.
Wow~ Thank you so much!
Thank you so much for sharing your knowledge with us Noel
Plain and simple, pay your bills, people!!!!
I think you should have touched on your dept to income ratio, which is important also.
Good information.thank you.this is putting things in the right perspective..
Thank you very much
That was very very helpful.. keep up the good work
Great info thank you for clearing this up! How much should we be leaving on our credit cards after the payment to boost our credit score?
Hi Noelle , I really enjoyed this video. And I ❤️ your energy. Thanks for your knowledge.BBless!
For example say my payment is 40 dollars should I pay like 60 to 80 dollars
If you can, do it.
Great information here, thank you. But Jesus this clip could have been reduced by 75% and been much more user friendly.
How about paper statements vs email statements… I like the paper in my hand
I do both.
Very informative.
How do i get the banks to increase my limit? I use less than 30 %.
You can ask them
Good stuff Noelle! I can flow with the fast talking and bombs you’re dropping😉
Thank you so much! 😃
That was quite helpful. Thanks lots, Noelle👍🏾
Great information. Thank you for sharing ❤
Love the video. That utilization tho is 56% on your example. Thx for bringing this concept to light.
I did not hear anything I can do. Once my bill comes I pay full and mindful; when the check comes if I keep charging I will end up paying interest charges, Yikes!..no money will be left.
Does hospital/ doctor bills affect ur credit????
@@tarahardy26 no it does not. They stopped that years ago
Pay 2 days before Statement date, not the due date. I been doing this 2 months now. Credit score goes up
Sister, Good looking out for the info.
Thank you so much! 😃
Did you say Bonus Daughter’s?! That’s amazing 😊
another home run Noelle this is some gooood content baby😊😅😂
Thank you, thank you! 🙌🏽 I’m so glad you liked it!
Just put it on autopay and pay the statement balance every month
I love your energy 😊
Great information i never knew some of this
Thank you Noel
You're welcome! 🥰
I think the saying is, " You can catch more flies with honey than you can with vinegar."😊
The numerator for your credit utilization percentage is $1,365.91, not $1,634.
good to know i ve always just paid by the end of the month
Gorgeous and smart 🤓🤓
Great info 👍
This is where its at ❤
Thank you great information ❤
You're welcome! 🥰
Noel, If you are on auto pay and pay the bill before the due date, will the minimum due be deducted from my account? Will I pay them twice? Will I save interest, by paying before the due date? I didn't quite hear you say, that to be the case!
@@universalangei9320 they (the cc people) like auto pmts because they make more $. The amt deducted is just the min pmt on the due date. So the bal reduces slower. You can go in and pay more but most people dont. I have nothing on auto pmts.
Is it good to psy the whole annual fee off up front so then you ll only be dealing with purchases price payments monthly
The interest is calculated monthly according to your balance.
When do creditors stop looking at those late payments? I few late payments from last year , I feel I am still being punished for it.
@@oliviarobinson7402 it’s best to get them sweeped off your report the late payments
Creditors usually look at late payments for up to 7 years, but don’t worry-the impact on your credit score fades over time. At first, it can hurt your score a lot, but after a few months, you’ll start to see the damage lessen. If it's been 12-24 months and you've been paying on time since then, you should see a big improvement. If you’re still feeling the sting, focus on paying your bills on time, lowering balances, and asking for credit limit increases. You can also try reaching out to your creditors for a "goodwill adjustment" to remove the late payments, especially if this was a rare slip-up and you've been a solid customer. Patience is key-stay consistent with your good credit habits, and you’ll see your score improve!
Thanks for the info Noelle! May I say you are the Prettiest lady I have ever seen!!!😍
Thank you
You're welcome
So grateful for you! 😻
OMG....... I think I love you Noelle......... lol...... THANKS!!!!!
Good information
Give them 540 if u can easy fix to pull that 1 dwn don't use the card till the payment post....
I love all your videos
Thank you! 🙌🏽 I’m so glad you liked it!
@NoelleRandall1 Thank you so much I love watching all your videos
That will be my goal to get my two largest card down to30%. Thanks for your advice 💖🙏🏻☃️
The best way to raise scores if you do not pay off the balance in full each month is to keep your credit usage 20%
or lower for revolving credit. For example the credit limit on the card used in the example is $3000.00. The credit used should never go over @$600.00 unless the entire is being paid off each month.
@@Ceci-7, this was the best response!! Thanks for sharing!! 😊
Thank you so much
Thank you, thank you.
You're welcome! Thank you for watching! 🥰
Thank you! ❣️
Summery??
great advice..........
New to your channel. Just wanted to say. Thank you so much for this. Needed to see and hear. Awesome. Thank you 🙏 thank you
Having an auto pay, it helps right good afternoon, beautiful from New York City 2:22 PM Monday, November 25 and happy Thanksgiving to you and your family. Can you answer my question please auto pay It helps right
GIRL GREAT JOB 🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉😢🎉
All facts
Thank you! 🙌🏽 I’m so glad you liked it!
I got auto paid I'm good right
Im looking for work still!!!😢
First off, pay it off in full and never pay interest.
Subscribed RIGHT AWAY!😊
The only problem w/ this vid they talk too much in the beginning. Summary plz.
Repetitive!
Nice video
Thank you! 🙌🏽
@NoelleRandall1 Your video is full of quality
OMG! Stop the word salad. Credit cards are basic math. Advise your listeners/viewers to review the terms/agreements for the card. Credit scores are basically based on how individuals handle/manage their financial commitment and circumstances.
Facts
Very ez choice.I Dont need to see this video. Keep No balance. pay off week;y or sooner.
Stay away from credit,.... that's better
LADY DIVA. GO HEAD ON!. HELP BLACK PEOPLE GAIN ECONOMIC KNOWLEDGE & SELF-DEFENSE. LEARN YOUR RIGHTS
BLACK PEOPLE. CONSTITUTIONAL & STATE RIGHTS. MY AFRICAN BROTHER & SISTERS & COUSINS. (ALL INCLUSIVE). WE ARE FAMILY($).
Your teeth 🦷 are immaculate. Nice and shiny ✨.
HELP
My payment history is 89%
That's great! A payment history of 89% means you're doing well overall, but you might want to focus on improving that last 11%. Remember, your payment history makes up 35% of your credit score, so even small improvements can make a big impact. Keep making those payments on time and consider setting up auto-pay to avoid any future late payments. You’re on the right track!
Yassss
I've made so many late payments, and I have an 802 score. As long as they get paid, I don't think it matters.
An 802 is amazing! 🚀 But late payments can still hurt in the long run since payment history is 35% of your score. Even one 30-day late can drop it fast. Setting up autopay is a game-changer-it’ll keep that 802 solid and growing.
@NoelleRandall1 probably late, but not 30 days late, that is why it's not affecting the credit
Help
Blah, blah, blah, just pay on time
Dedt
Omg you talk soooo much get to the point faster😮
Your helping people out here 🔥🫡
Thank you! 🙌🏽 I’m so glad you liked it!
Love the video. That utilization tho is 56% on your example. Thx for bringing this concept to light.
Thank you! 🙌🏽 I’m so glad you liked it!
Good video
Blah, blah, blah, just pay on time