@@JamesAnderson-Woods I just asked for 25,000. Can you put out some more videos on credit unions that run through Transunion only? Thank you for all you do.
First and foremost I want to thank you for all the valuable information.. I used your information to take my credit score from a528 to a 709 and a 694 in less then 30 days.. now my next step is to make these scores work for me.. I want to know if I would have to unfreeze my secondary like lexis nexus in order to apply for this loan??
Thank you so much Sir. You are a great person and a rare find in this internet/credit space.. You gave me the opportunity to change my life around and didn’t charge me a single penny for the advice , so I would like to thank you so much..
@@Successwithstephensmith I’m a little confused… on the video you mentioned it being good that it shows up as an Auto loan on your credit report, because higher limits like that ($35k) is common for Auto loans. I completely agree & thought that was an excellent point. However, in your answer to this persons question above, you responded that it will show as a Personal loan on credit report… which is it?
Do you recommend I apply for a debt consolidation loan or an auto loan instead ? Im currently paying off a high interest rate personal loan and would like a lower rate. I want the lowest rate possible , just don't know which option I should go for. Appreciate all you do fam💯💯
Remove the inquiry and look out for an adverse action letter. It will tell you why you were denied, if it’s adjustment you can make then make it and reapply.
Bro steph Let say im going to get auto loan for 12k to payoff my personal loan from the other lender that has higher apr is that okay? Since im getting auto apr not personal apr, also do i need to provide the title or kind of documents?
I got approved & funded bro! 711 credit score when applied 2 inquiries no late, remarks etc. -2 points for 1 HP (transunion) 14k funded less than 12hours (my pref amount) i did not max to 35 for no doc. Auto loan description when applied 11%int Thats the info bro thanks for helping
@Successwithstephensmith They want you to be under 10% utilization along with no more 2 inquiries AND your income needs to be at least 3-4x times your visual debt. THEY will also call your employment alot of the time so if the Info is not verifiable well you will be denied
I was approved and it was basically instant no call to my employer as I’m self employed. The credit criteria is listed on the website and I go over it in the video so you do need to be aware of the credit score data points.
Hi I have a 700 score I have a maxed out card but I also have cards with low balances and I just added an AU that has my utilization down to 18%. You think I’ll get approved? Thanks
Appreciate the information . I got approved for a $35,000 auto loan at 10% interest rate
Awesome! 👏🏾
Congrats!😊 Please share your Transunion score, & any other data points you can share to help others.
Thank you, Stephen I got approved for $25,000 at 11% interest rate you’re the best🎉🎉🎉
Thanks for watching! 🙏🏾
If you don’t mind me asking, did you apply for the 35k max or just the 25k?
@@JamesAnderson-Woods I just asked for 25,000. Can you put out some more videos on credit unions that run through Transunion only? Thank you for all you do.
@ 30K
And the funds were just deposited into your account?
Need more about this
🙌🏾
First and foremost I want to thank you for all the valuable information.. I used your information to take my credit score from a528 to a 709 and a 694 in less then 30 days.. now my next step is to make these scores work for me.. I want to know if I would have to unfreeze my secondary like lexis nexus in order to apply for this loan??
No you wouldn’t need to unfreeze LexisNexis to apply for this loan, it’s okay if it’s still frozen.
Thank you so much Sir. You are a great person and a rare find in this internet/credit space.. You gave me the opportunity to change my life around and didn’t charge me a single penny for the advice , so I would like to thank you so much..
I don't have a credit card. Is that a deal breaker??
You can try using a debit card
@Successwithstephensmith I don't have a Driver's License. I don't have a car. Is that a deal breaker??
when is the best time to do this loan? morning or night?
Anytime is fine
Is applying at the end of the business day part of the “hack” or anytime of the day should yield the same results?
You can apply at any point in time, it doesn’t affect the approval process.
@@Successwithstephensmith and the verification with the credit card, does it matter if it’s a secured card?
@ no it doesn’t matter.
Are they inquri sensitive
Not that I’m aware of, but I recommend removing any inquiries you don’t need to keep to give yourself the best approval odds possible
So if I put auto loan I can use it as a personal loan instead of
Yes that’s correct, it also reports as a personal loan on your credit report.
@@Successwithstephensmith I’m a little confused… on the video you mentioned it being good that it shows up as an Auto loan on your credit report, because higher limits like that ($35k) is common for Auto loans. I completely agree & thought that was an excellent point.
However, in your answer to this persons question above, you responded that it will show as a Personal loan on credit report… which is it?
If I have auto loan on my credit profile now am I still good to go
Yes you can still get this even if you have an auto loan
@@Successwithstephensmith thanks applying this month for sure
For an income of 30k, how much auto loan should i request?
I’m not sure I you’ll qualify but maybe $10k
At what score does “good credit” begin? 670+?
680+ but it depends on the FICO scoring model
Do you recommend I apply for a debt consolidation loan or an auto loan instead ? Im currently paying off a high interest rate personal loan and would like a lower rate. I want the lowest rate possible , just don't know which option I should go for. Appreciate all you do fam💯💯
In this case the auto loan, it functions the same as a personal loan and you’re more likely to get approved
What does your credit score need to be?
It’s in the video and on the website
680 on what bureau?
It’s in the video
👍👍
Thanks for watching! 🙏🏾
@@Successwithstephensmith Please do a video on U.S. Senate Federal Credit Union. Trust me, it's FIIIRRREEE!!!! 🔥🔥🔥
@@roses4me451never heard of it, I’ll check it out also…They better than Navy Fed?
I actually was supposed to open an account with them yesterday. I should have some information later this week. Thanks for watching! 🙏🏾
I know about this, low low rates 3 yrs ago (36 months at 4%).
Wow! 🤯
Denied 720 TU
Remove the inquiry and look out for an adverse action letter. It will tell you why you were denied, if it’s adjustment you can make then make it and reapply.
I got approved for this loan at 9% Brazy!
@@compounderlounger congratulations 🎉🎈
@@Successwithstephensmith Word got approved for the full 35k. Gonna have my wife apply next.
@@compounderlounger did they ask for paystubs?
Bro steph Let say im going to get auto loan for 12k to payoff my personal loan from the other lender that has higher apr is that okay? Since im getting auto apr not personal apr, also do i need to provide the title or kind of documents?
Yes you can do that and that would make sense
You don’t have to show any docs
Thanks bro appreciate helping others 💪
I got approved & funded bro!
711 credit score when applied
2 inquiries no late, remarks etc.
-2 points for 1 HP (transunion)
14k funded less than 12hours (my pref amount) i did not max to 35 for no doc.
Auto loan description when applied 11%int
Thats the info bro thanks for helping
@@victorpollescas2632 they funded you and you had debt? Thanks
Bro u be reading my mind freal because I was looking how I can do this for 50 k is this business name or personal? I wanted 50 k
This is a personal loan, hope it helps! Thanks for watching 🙏🏾
Can you do a video on Chase how to get into Chase?
@Successwithstephensmith They want you to be under 10% utilization along with no more 2 inquiries AND your income needs to be at least 3-4x times your visual debt. THEY will also call your employment alot of the time so if the Info is not verifiable well you will be denied
Yes I can!
I was approved and it was basically instant no call to my employer as I’m self employed. The credit criteria is listed on the website and I go over it in the video so you do need to be aware of the credit score data points.
Hi I have a 700 score I have a maxed out card but I also have cards with low balances and I just added an AU that has my utilization down to 18%. You think I’ll get approved? Thanks
Unfortunately I can’t say, I would apply and if you’re approved great! If you’re denied you can remove the hard inquiry and reapply at a later time.
Did u get approved?
@@precious8326 people are telling me to pay off the debt. So I’m gonna wait
@@Successwithstephensmith thank you for response
@@Successwithstephensmith I have seen people get denied fix their credit and then reapply and get approved
Good afternoon I am from Namibia 🇳🇦 Africa I just wanted to find out does this loan also apply to as?
Hello! You need to be a US citizen to apply for this loan, if you have dual citizenship you should still be able to apply.
@Successwithstephensmith Okay thank you but I have a dual citizenship of US of America