EASY 10 DAY PLAN - How To Get A Perfect Credit Score For Home Buyers
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- Опубліковано 8 чер 2024
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0:00 Your 10-Day Plan To Get The Best Credit Score
0:42 Why we want the best credit score?
2:24 Day 1 - Your Starting Point
4:45 Day 2 - Your Budget
6:30 Day 3 - Your Goals
8:52 ScoreMaster
11:16 Day 4 - Fixing Errors
13:47 ScoreMaster and how to use ScoreBuilder
17:05 Day 5 - Set up Auto Pay
19:05 Day 6 - Lower Utilization
25:38 Day 7 - Credit Length
28:03 Day 8 - Credit Types
31:43 Day 9 - New Credit
33:42 Day 10 - Credit Monitoring
- DISCLAIMER -
Kyle Andrew Seagraves is Federal Mortgage Loan Originator (NMLS 1701021) licensed in all 50 states with the Dan Frio Team at Allied First Bank (NMLS 203463), an Equal Housing Lender. Separately, Kyle owns Win The House You Love LLC, an education company. Win The House You Love LLC is not a lender, does not issue loan qualifications, and does not extend credit of any kind. This video is only for educational usage. All calculations should be verified independently. This video is not an offer to lend and should not be used directly to make decisions on home offers, purchasing decisions, or loan selections. Not guaranteed to provide accurate results, imply lending terms, qualification amounts, or real estate advice. Seek counsel from a licensed real estate agent, loan originator, financial planner, accountant, and/or attorney for real estate, legal, and/or financial advice. Allied First Bank is not affiliated with the VA, FHA, or any other government agency. This video has not been approved by any government agency.
Day 11 suggestion: freeze your credit with each bureau to prevent fraudulent items in the future. You will need to unfreeze it whenever you are applying for new credit
Ooh good suggestion. That's something I'll note to add in a future video :)
This guy never misses every video is QUALITY content
Wow! Thanks!
Duuuude, this is information for ANY large purchase. Even if you’re not purchasing a home, lots of great info to work on your credit. Note on day 6, credit increase requests may require a hrs inquiry. 1 time I attempted to & I was told by that particular credit provider.
Yes some credit cards may do a hard pull for credit limit increases. It's best to ask THAT first!
Great video I always learn so much! Just to add a tip for bringing down credit utilization,something I did was take out a personal loan to pay off my credit cards which helped because it had lower interest than my credit cards! And my credit shot up 30 points according to credit karma😅
I really do appreciate you, new been binge watching and taking notes.
I’ve been waiting for your videos! Yay!
Sorry I've been slacking a bit! Thanks for waiting :)
Love your videos! You are a very intelligent educator thanks for all the info!
I appreciate that! Thanks!
Thanks for the 10-day plan Kyle & looking sharp!
Thanks for watching, Roland!
Love your videos and advice Kyle thank you!
My pleasure! Thanks for watching. :)
Amazing information! Your videos are awesom.Thanks man
I appreciate that! Thank you!
Good Educational Content
Very well put video!
Thank you!
this is super helpful to me
being from brazil i never really understood credit here 🤭 here it is so complicated.
there if you have a job and don’t have collections or returned checks, you have credit!
Kyle, love your videos. What’s the mic you use in this vid?
Thanks! I use a Neumann TLM 102
My problem is that I don’t have enough credit history. Exceptional payment history, piggybacking off of family member with 20+ year history, low balance but still only 700 after 2 1/2 years. 😅
AWESOME
Got one late payment from 2019 for student loan and it’s killing me 😭😭
I just recently paid off all debt. How long does it take to clear? Thanks!
In one month your score will boost up like crazy if you have no credit card debt (paying off CC debt with a loan i don't know if that affects i imagine it might somewhat). If it doesn't, then there are other factors keeping your score low.
What about hard inquiries, i have 4 of them and a 740 score
When I look to get approved(which will be 5-6 months from now) for a mortgage, im not sure whether to use you, Dan Frio or Javier Vidana. Who should I use?
Dan Frio and I work together on a team. Javier Vidana is a real estate agent, not a loan officer.
@@WinTheHouseYouLove oh ok sweet. Thanks!
720 credit score denied home loan for a ,$ 5000 credit card default 5 years ago. Is this normal
The credit score you guys look at is different than what my free reports give me.
When I applied for a loan, Allen advised me that the credit report pulled is different than what I see. I was frustrated because your score was 30 points lower than scores I was getting.
How can I get a true score report like you guys get?
Here is a good video on this: ua-cam.com/video/9HsWNr7vbAI/v-deo.html
The next statement cycle for each account.
Oh and it depends on what model they pull from. I renetly bought a house, Experian had the loan pop up 2 days before Credit Karma.. Fico 8 and Vantage 3.. that would probably be the issue you are having. I know when I got my home loan they used 3 other models that I have never even heard of!
I am just beginning to repair my credit, I have paid off 9 credit cards and have one more to go, I also have a very large student loan debt, a car loan and a few collections on my credit report. How long should I wait to attempt to get approved for a home loan.
My Date of last activity keeps updating - what is Date of Last Activity based on
Last payment you made
Most commonly the last payment made, or if the balance changes.
@@WinTheHouseYouLove also if you talk on the phone with a collection company it resets the age of your collection account and starts the clock all over again.
It only resets the time they can take you to court, it doesn't reset the timer on your credit profile. Common misconception.
Score master is down atm?
So a credit repair company should be negotiating with collections on my behalf and instead of me paying them to teach me how to do it?!?! Had a company say we're not your POA but we'll teach you.
Hi Kyle, I love your videos however your team at win the house you love does not help at all. The advice I got from them was to find a family member to gift me funds for a big downpayment. How realistic is this advice?
Hi! Can you email so I can look into this? kyle@winthehouseyoulove.com
Look into a USDA loan! I bought my house with 0 down. EMD was refunded! But it has to be able to appraise higher than the purchase price. I was lucky! USDA is 100% LTV.
What is EMD? LTV?