A Credit Simulator That Will Get You Ready To Buy A House
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- Опубліковано 15 чер 2024
- I used ScoreMaster to take care of a negative item on my credit report before I recently went under contract to buy a home. The average ScoreMaster user sees +61 points in 20 days. Sign up today: www.scoremaster.com/winthehou...
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0:00 This Credit Simulator Will Show You Your Best Score (+61 Points In 20 Days)
0:02 What is ScoreMaster?
1:24 How to use ScoreMaster
2:19 What is ScoreBuilder?
6:03 ScoreBoost
12:37 Smart Report
13:49 Check out the link in the description
Kyle Seagraves - NMLS 1701021
Only for educational usage. All calculations should be verified independently. Win The House You Love LLC is not a lender, does not issue loan qualifications, and does not extend credit of any kind. This is not an offer to lend and should not be used to make decisions on home offers, purchasing decisions, or loan selections. Not guaranteed to provide accurate results, imply lending terms, qualification amounts, nor real estate advice. Read the full disclaimer here: www.winthehouseyoulove.com/di...
Quick clarification: Amazon sent me a letter saying they would update my account to the credit bureaus. I misspoke in saying that the bureaus sent me a letter.
Hello, Kyle! Thank you for sharing such great information. You're awesome! Congratulations on joining the path to homeownership! (Clapping)
I was approved for a loan to purchase a home back in March and my mom and I are STILL house hunting. Here in MI it is no different than other states in throughout the country in terms of homes barely staying on the market a week before they're purchased. Homes are being purchased at figures way above their listing prices and it's atrocious. My scores have been in the mid to upper 700s since the beginning of this year, 3% credit usage and I'm hoping ScoreMaster will be the key in getting my scores into my goal of the 800 range.
Thank you! Ugh, it is so tough to find a home. I got very lucky and am buying a home that my friend is selling.
Keep up the good work, I'm sorry this market makes it extra tough to see the results of all the effort you've put in!
Great timing! I was going to give up on my home dreams but I’m still going for it. I want to get my credit score as high as possible in the next couple of months. Can’t wait to see how your home buying process is going
That's great!! Wishing the best for you!
Thank you for great video. Does this tool show various versions of credit score ? Meaning Mortgage lenders look at fico score 2,4,5 from EX, TU, EQ ?
Thanks for watching! I don't believe so, it will show a similar model to other soft pull methods (e.g. Credit Karma)
I used this for 2 months. Other than helping me write dispute letters, I didn't see how it was much different from Credit Karma.
Thanks for sharing :)
The Build Plan does allow you to get a 3B report monthly!
I had a late payment and been disputing it for almost 7 years it’s falling off in 4 months it’s crazy how a late payment can hurt for that long but it’s been paid off 6 years ago
Congrats on it falling off soon! Late payments are brutal to the score
@@WinTheHouseYouLove yes it is the charge off is falling off in 4 months still this day I’m disputing it but it’s paid off over 6 yrs now on my Experian. These credit bureaus are not your friend at all they favor the creditors. We all make mistakes but the credit bureaus treat people harshly
Great resource. Would love it to help me remove some hard pulls. Got an auto loan before I knew better and have 13 inquiries. I have heard some lenders will deny you if you have too many. It’s a bit of work to get it done. If this has some assistance in that it would be great
The day, I paid my vehicle loan and kept paying utility bills from that day and onward banks are offering on 1 percent......that's mantra
I’m a little confused what you mean here. 1% interest on your bank account?
@@WinTheHouseYouLove loan on 1% annual interest rate and zero one time charges.
🤔 does this show the mortgage score 5,4, and 2? Indiana lenders use the 5, 4 and 2 scores🤨 and it looks like the credit score on this is the fico 8.
I have one bad account with Toyota I called them but they won’t take of any late payments from your credit history even after it’s payed of!
Does this also help with correcting other errors on your credit report? For example past addresses being incorrect.
Errors, yes. I'm not 100% certain on the addresses
thats nice.
Thanks for watching!
Kyle, love your channel a lot!! Question, I have been on a particular score range for a while, with 1% credit card utilization, I haven’t been able to move up and it’s beginning to confuse me why this is the case. Can Scoremaster help with this? Or should I look into a different process like paying the card on a different day just like Jimena did?
Do you have a high score already?
@@WinTheHouseYouLove Yes, my score is 772 at the moment.
Ahhh there it is! Great work. So, I love that you want to raise your score, but lender's top out the score at 740 meaning as long as you have a 740+ you will get the best terms.
However, with a score that high, usually it just takes time for it to go into the 800 range. I usually don't see 800+ scores until people are in their 40s
@@WinTheHouseYouLove Wonderful! I was thinking the same. That maybe history was playing a role in it. Thanks for helping shed more light on this. Looking forward to getting over 800+ sc.
PS your videos helped me buy my first home a year ago!
Keep up the good work man!
So quick question, we spoke to a lender and they indicated that they use a different fico score. My fico 8 is easily 40 points higher. Will this improve the fico 2 score as well? How often do those get updated in general?
The different models are different ways to look at a score, they don't impact each other. Your score will change monthly
What if my credit score is around 780-790. How can I make it 840-850 or around there?
Is there any app or website that can help?
To be perfectly honest, as long as your FICO is at least 740, you will be fine. Any FICO higher than that is just for bragging rights.
Jimena 🔥
Thanks for watching. :)
Vantage scoring 👎 Experian membership uses fico 8 scores AND fico 2 which is what mortgage companies use. False sense of hope with inflated vantage scoring
legalized crooks!!!
Thanks for your input
First!
🏆