Guess My Credit Score | Lineup | Cut
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- Опубліковано 6 січ 2023
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Love that the first guy is teaching kids about credit
Yes! Most schools still aren’t talking about finances and how to handle them!
@@wendysgobbo8242 it
Been in debt since 18 years old. At 32 finally debt free and 800 credit score. Dont have a lot of people to share this with but really proud. If you are working hard to get yourself out of debt keep it up! You got this.
I’m happy for you.
Nice bro but damn sucks to think of all the things you could’ve done if you weren’t in debt at 18
Congratulations!!
proud of you and really hoping this for myself in the near future!
Congrats!
Using minor’s social to use credit should be illegal - I’ve heard too many horror stories of credit abuse by parents 😢
My mother did this with me and my sister
It is illegal, but who sends their mom in jail?
@@deathbyweightsco.6056 who messes with their kid's financial future like that?
@sindy ortiz tons of bad parents lol. But prison and finances are completely different.
@@deathbyweightsco.6056 no they should be imprisoned…its fraud no matter if that’s their child or not and a complete disregard for the child’s future
As a German the importance of credit score in the US always baffles me. It's hardly talked about here and I think the same goes for most European countries. Why is it so relevant over there?
Quantifying how exploitable someone is? It’s kind of our thing.
Because no one saves and everyone consumes.
Wdym bruh, Schufa is just as bad
@@SeroAbi If you ask 100 random people what their credit score is hardly anyone will know it. I don't even know if it's quantified and where I would check it. That alone shows me that it's not nearly as relevant here. Or maybe it is and most of us don't care about it at all🤷♂️
Many people here rely on loans and credit cards. Whenever you pay off a loan, make payments on time, etc. they assign you a number to tell other people how responsible you are so they know if they should give you a loan or not.
Is anyone else really impressed by how accurate the guessers were??
except the blue jacket one lol
I feel so, so bad for the people in this video who had their credit tanked by fraud. It’s so unfair that it affects their credit score when it wasn’t them who did it 😭
There is a process to get it all taken off your report. Just have to follow the FCRA.
I’m so happy the first guy takes it seriously and teaches his students it too
Me as a European…: Bro, what does any of this even mean?!?
A credit score is based on a number of factors, and basically says how financially trustworthy you are (bit of a simplification, but close enough for this purpose).
financial predators want to know who they can charge inflated interst rates to
So what do you use in Europe ?
@@WhatInTheWorld3 nothing you just send the banks a few months of bank statements if you want a credit and use debit cards for the rest
@@WhatInTheWorld3 The point is that you’re not using credit for every expense there is, but only investments. And university (or as you call it college) and healthcare are free, so two crazy spending items are just wiped off our balance sheet altogether, which allows to handle our capital more conservatively as well. That’s just my two cents. Don’t quote me.
I would never go on here, I can’t have random strangers knowing I have a 213 credit score
Goddamn do you not pay your bills
😟
Isn't 300 the lowest?
I’m a random stranger and now I know 😂
😂😂😂😂😂😂
I find it mind blowing how credit scores are so focussed on in the US. I live in Scotland, and you don't even need a credit score to get a mortgage. It's all about affordability and your savings.
I mean, we all know the US is fucked so it shouldn't be surprising lol
You can rarely even rent a home in the US without a good credit score now, unless you live in a rural area and find an independent landlord (instead of an agency) who is willing to rent based on proof of income and/or bank statements. I don't know how much longer we can sustain this system. Mind-blowing to me that you guys barely use credit scores, I'm jealous!
B/c it's not really about saving (and I know many other countries put this as a huge importance) but it's about how well you can utilize the system to make more money. THAT is the most important thing in the US
Am I trippin or was the contestant in white and black in the lineup not shown in the episode?
I noticed that, too
Yeah, they didn’t show everybody. I wonder why?
And the person in the black leather jacket right??
Lollll I was just thinking the same thing!
yeah maybe their credit score is super low? they didn't include anyone with low credit scores... maybe they didn't think they should advertise that they had low scores? idk.
Credit is a cruel effed up ‘tool’ of society.
The blue hoodie girl said “if they’re excellent they’re my people” but she JUST said her mom is the reason her credit is so good?? Like what?? Without the support of a parent establishing credit for you in your teens, who knows what your score would be??? Don’t be so quick.
Participation trophy syndrome 😂… she really think she did something doesn’t she
This, 100%. It was really off-putting to hear that from someone who didn't establish that high of a credit (at first) all on her own.
Like, could she have made it on her own? Sure. But we'll never know that unless she tanks it and brings it back up.
Good for her to have kept it up there, but dang.
and she got nobody right at the end lmfaoo
She also said she was guessing based on appearance. I don’t think she was taking this very seriously. She was just joking.
@@josephsherby Nah she was humbled very quickly
the obnoxious landlord getting less right than the other girl made my day
@@TheScheiss yikes
Landlord's like this suck. Renting out grandmoms house after she passes is different then the hoarding of wealth that is owning 244 apartments all to yourself just so you can overpriced rent all them out and rip people off
@@arrow2589 and then they convince themselves and tell others they are morally superior, financially responsible, smarter, etc. I laugh at rich people who think they are better when their starting line was miles ahead of ours.
@KevrosyEh exactly. Like what do they want more money and a kwepie doll?
Why is he obnoxious? Don't be an asshole just because people aren't as emotive.
I didn’t know how bad fraud is until now. People are awful.
I’m 20 and I didn’t know anything about credit until watching this video. Thank you for making this I just learned a lot.
my credit score is shit because no one ever taught me anything and just told me “not to get credit cards” and i’m 26 and still struggling. i’m very glad you found this even though i couldn’t. ❤
20 is a great time to start. Get your credit report, understand the important factors that go into your score, and then get and smartly utilize a good credit card.
@@caliiinoel The thing is, having a credit card can improve your credit score so much as long as you make consistent payments. Actually, it's recommended to use a credit card to build credit, just never spend out of your means.
@@caliiinoel Hopefully I don’t end up like you❤️💀
@@caliiinoel same! growing up, everyone around me always just said to never get a credit card, never buy things on credit, etc and now i’m 24 with no credit score at all.
Yaun is the kind of Landlord, I'd put on blast.
I have a 561 credit score, but haven't missed a rent payment in 10+ years.
Yup, he is very thing wrong with the Seattle rental situation atm.
@@arrow2589 yep, my rent's about to go up while the housing market is on the downturn ugh
Why did you say you haven't missed out on a rent payment? What about other missed payments?
@@Exachad during 2020/2021 when work slowed due to the pandemic, I deferred a couple payments.
5:55 EVERYONE needs to know this! If you miss a payment, don’t just say F it and wait till your next payment… pay it BEFORE 30 days, and they won’t report it as a missed payment.
Am I crazy or do they have someone in the end lineup who wasn't in the video?
Also noticed this.
Yea just commented this😭thought I was trippin
Two people actually I wonder why
Woah yea thats a bit weird
Yes literally! I had to go back and rewatch to realize I really didn't miss their part. They should've been there 😭
I spent 20 years working in finance and had an excellent credit score - I got really ill and couldn't work for a while, business went bust and I ended up in personal bankruptcy, and my credit just bombed. I could do nothing for 5 years until it was wiped from my file in 2022. It's taken me a year to hit 823 but I want that 999. Honestly, if you do not understand the importance of credit score, learn because it will dictate your life, from the best mortgage deal to the ability to rent. - never miss payments, and do not use more than 25% of your credit limit ever!
Thank you! A I'm a 22 year old college student without credit, this was very informative thank you again!
@@chaseakpulonu2093 It’s different, he’s probably from the UK, they use that range up to 999.
I am 30 and know absolutely nothing about credit. I’ve never had a credit card. I’ve heard, “no credit is worse than bad credit.” Is this true?
What's wrong with using more than 25% of credit limit?
@@brittnymembreno4668 its to do with your credit utilization, which is a factor of your credit score. basically it proves you don't go close to or hit your total limit usually in the eyes of lenders, dicates your likelihood to make payments kinda
You guys should do one where you ask if money makes you happy then you ask the people for their routine an see who lives the most free,I wanna be in it
everytime i see a landlord i die a little
Why
@@roxy4325 because
Not every landlord is terrible 🙄
@@tideio because why?
@@roxy4325 because
It will always shock me that parents will take out loans in their kids name and run their own children's credit scores into the ground.
How upsetting.
Yupp I knew a girl and she was under aged she could legally not do anything!! Her dad was not in the picture only her mom. And the only way to legally stop it at that age was by going to the judge and ask to be disconectect from her parents.... she was basically like an orphan but both her parents lived. The mom took more then 80.000 euro in loans in her name... wtf what parent does that!? That is so wrong :/
@@littlepumpkinseed that's so sad. How would she ever financially recover from that
@hotgirladjacent I can't remember but she was super brave and had a plan!
I think she went and filled a lawsuit against her mom as soon as she could. She won. She was studying and working when I met her! One of the sweetest persons I have met! I love that she did not get discouraged by that betrail! I regularly think about her if I feel down or overwhelmed! What a warrior she is! I can not imagine having the strength and the wisdom at such a young age!
Hopefully they talk about the history of the current credit score system we use now how it was and only invented in 1989
This video just called me financially illiterate in every single language....
wtf is a credit score? How are Americans getting their identities stolen? That is unheard of here. Why does a 20 year old kid have debts to repay? Why is it normal for Americans to own credit cards?
It is a determination of how well you pay back borrowed money; people can steal social security numbers/banking info; we have to pay for schooling and that is the easiest way to gain a fuck ton of debt (its also easy to owe a ton of debt because of medical bills); we have to owe someone money at all times because capitalism, therefore credit cards
A credit score is a numerical metric derived from several factors, including length of credit history, number of accounts, total debt, missed monthly payments, percentage of credit utilization, etc. Essentially, it is a score for how good you are to lend money to.
Identities can be stolen via gathering information online, on familial fraud in the case of one person (her mom opened credit card account in her daughters name).
A 20 year old might have car payments, student loans, unpaid credit card debt, any number of things.
Having a credit card is almost universal in the US at this point. The primary reason people get them initially is to establish that credit history as soon as possible. The longer credit history you have, the better your score is, and the easier it will be to get larger loans in the future (business loans, mortgages, etc)
the biggest mistake from Cut is make content only USA citizens could undestand. They need to explain more to worldwide audience or the video will be irrelevant
@@Guarlaon no it isn't just american countries that have this system my country does as well
@@thatweirdblackgirl4259 The EU is capitalist as well. We don’t have those shenanigans.
When I moved from Portugal to the US, I couldn't do anything cause I didn't have a credit score. Was basically forced to get a credit card in order to build it up and be able to function in that country.
Back in Portugal now, happily using my debit card 😂
This was surprisingly very fun and insightful to watch. Loved it
Interesting the rental guy relies so heavily on credit scores when if you pay your rent on time doesn't actually factor into your score
It does if they report it to the credit bureau
@@feliciasisk494 they only report when you don't. So not paying hurts it. But it's not a credit towards your score either. Paying you CC or loans on time helps your score. Not doing so hurts. Rent however only offers the option to hurt it
@Katy I only rented for a little over a year so honestly didn't know this. I always thought they could report both.
@@feliciasisk494 nope they don't lol and I hate it makes me mad
@@feliciasisk494 nope. There is a bill in congress to try to now include paying on time into your score as a way to help build credit but I doubt it happens. Always worth a call to your reps though
Need more teachers like him ❤
Thank you for this video. So important! Lol they fully took out 2 people from the interviews but you see them in the final lineup
Yeah, noticed i didn't see the black lady and other person in interview's
I think the girl in the leather trench coat was on The Button
Maybe they withdrew consent to be in the video
Hi I was the girl in the striped sweater at the end of the video I think they just cut it out because it might have not been as interesting as the others lol
@@scotthearts9634 is the other person called other because she's white, or do you just see white as standard so it doesn't need to be mentioned, only black.
Missed payments aren't automatic bad credit, asking about the situation clearly is needed.
I would hate to deal with that landlord, he got the missed payment folks wrong assuming they are irresponsible 😒
Right?? It's not the end of the world if someone has a few missed payments. Life happens and sometimes you have to decide if you'd rather have food or pay off your debt.
A whole leech
he doesn't know enough about credit. you can easily bounce back from a few missed payments. I hit rock bottom in 2019-2020 when my credit card was over the limit with 3 missed payments and 2 items in collections. I was at 489. I've spent about 2 years to work my butt off to get it to where it is now at 745.
they cut 2 ppl out u can see them at the end of the vid💀💀
its wild how i searched earlier today about credit cards and now cut releases this video lol. "a credit score" is a new term to me. in the Caribbean, we don't really have that. whatever we need is paid for with the money we have. the idea of maintaining debt in the US is crazy
she said 300 cause his laces untied🤣🤣🤣
All the outfits in this video are on point fr
"Credit is like your bloodline" one of the guessers, *Dave Ramsey shaking in his seat*
Imagine making a 10 minute long ad.
How have so many of these people been victims of fraud!!! Sounds scary and very stressful
Not surprised the landlord was inaccurate, yet so confident in his answers.
He literally got some almost exactly and was pretty close on others. Wasn't that far off
did we watch the same video?
he wasnt far off with any of them what, maybe just the guy with the beanie
A man at American Tires asked if I wanted a credit card with them, and I declined, but he said he only wanted to check my score to see if I was even eligible. He said he’d only check but had the audacity to proceed with opening a credit card with them. I only noticed this a few years after the matter, and I’m still mad at that man. If you’re not interested in opening a credit card, and they offer to “check” your eligibility, say no!
Did they just cut the leather dress girl & striped sweater girl from the video? (see the eventual lineup)
Identity theft is not a joke, Jim
amazing
MICHEAL!!!
@@milamarni oh that’s mature, Michael!
I don't remember the girl with the striped sweater or the girl with the black coat from when the three of them guessed, but they're in the final line up of revealing who was guessed correctly.
I'm shocked of how many individuals can so easily be scammed or get involved in a fraud.
Something parents and schools need to teach kids about. Struggling thru credit card debt for many years. Still in debt but finally at 730+ credit score.
i love how he teaches his students about it, can you teach me too? mine keeps going down slowly but idk why… i haven’t made any late payments
Are you paying in full every month? Paying just the minimum might bring it down a little. Do you have any loans? A mortgage? If you aren't paying those in full, just the minimum or a little above, it could be hurting your credit score.
@@laurentulis4129 i pay my full amount in two payments, one around when i get my statement and then one like in the middle of the month. but i always pay the full amount before the payment is due.
sometimes I pay my credit card early before the statement comes out too, not sure if that would have a negative effect?
@@xxttiiffaannyyxxTry paying before you get your statement, and in the middle.
Very clever…A ten-minute commercial for Aura.
I would've been perfect for this episode lol. I have a debt addiction, or more specifically a loan addiction. You would never guess my credit based off my income and appearance.
just payed off my credit card while watching this video thank you cut lmao
Home girl making 40k in LA. Baby girl move
Doing a payment installment for a shirt is crazy😂
It might not have been just for one shirt though. A lot of places have a minimum purchase so the one shirt could’ve been included in a larger purchase with multiple items
Everytime I hear credit I remember my grandma telling me that’s a new thing they created cause when she was coming up they only had layaway
Why were some of the people in the lineup not in the actual video?
maybe they changed their mind and didn't want their actual score being known so they asked to be cut out
@@PikaChu-sp2qo I'm one the girls at the end, I think it just had to do with our stories maybe? Too long/not too interesting possibly lol
i learned more about credit in this video than i ever have in my life lol
"Past behavior is best indicator of future behavior" - landlord
😭😭 I hope he is considering all aspects of the score & not just the number itself
i’m 18 and this is scaring me about getting a credit card. i’ve never been taught about credit or anything like this and i’m terrified of fraud
You should not be afraid! Look up more videos to understand better. The reality is, if you want to ever buy a car, house, loan, you NEED credit. In our system, debt is good! Before our house closure, they told me, pay off your debt AFTER buying the house. Not before. Don’t wait until you’re 22 to get a card. Use this extra 4 years to get a better score!
"So, a bank trusted you enough to give you probably half a million or more in debt to live in this expensive ass city."
- Pretentious landlord with 224 rental units
As a French person I didn't even know what credit score was until I saw this video and had to search it up lol
Québecois ici. Mon crédit sur Equifax est 831 sur 900. Pas trop mal :)
@@hagron5702 Génial ça ! :D
It's complicated and definitely not perfect 😅 but it has its advantages.
Im 22 and I don't have a credit card yet, this was so educational and informative.. thanks CUT!!!
Get a student card. The only one I had approved was the student discover. After years I had offers for better credit cards. The point is never spend more than you can afford. Autopay is good for not missing payment.
@@dileycacepeda9184 thank you! Speakin' of discover yeah, will definitely do that! I have been gettin' alot of offers from whenever i get my mail.
I'm proud that at 29, I am debt free and my credit score is 821✌🏻
Woohoo!! Good for you, must have taken a lot to build i guess, nothin' good like feeling debt free!
@@scotthearts9634 I beat you by 10 points! Though I'm 12 years older lol
Same! 29. No debt at all and a credit score over 850
trying to get there! 25, no debt, and 745 score!
THE LACES WTFFFFF
Not me clicking by thingking their school credit acore 😂🤣😂🤣
I thought the same about university.
It's sad that so many people aren't taught about money management. I was fortunate enough to have parent's who raised me to understand the value of a dollar and an economics teacher in high school that covered personal money management.
my boy flexing that Rolex lets gooo
I am so pissed off for the girl that got her info stolen for a BMW to get repossessed. And the other poor person who was fucked over bc of some iPhones?!?! Why the fuck do they have fix that mess when they were victims of fraud?!?!?! I hate this country.
The first one tho 😭😭
my score is so bad i dont even look at it anymore
Wow, that one lady was so judgemental for no reason. Bruh, some of the most well fitted people have the worst credit scorers they racked up all their credit with their nice clothing and stuff lol. So not sure why she acting like tattos and shoe laces are great indicates of credit scores. At least the others were actually asking questions
she just didnt take it seriously at all. it was just a fun game for her and you have to guess based on something..
the landlord doesn't know enough about credit. you can easily bounce back from a few missed payments. I hit rock bottom in 2019-2020 when my credit card was over the limit with 3 missed payments and 2 items in collections. I was at 489. I've spent about 2 years to work my butt off to get it to where it is now at 745.
Affirm for a shirt is crazy
I don't feel so bad after watching this lol.
If rent was taken into consideration for my credit score I would be at 825 by now.
Always pay your monthly statement in full people!!
bro they put in two extra people at the end when they reveal who they got right, they never went
Sams outfit is really speaking to me
you should have brought Tefi for that!!!
Did i miss something or did we not see the lady in the black and white sweater?
I took a financial literacy in highchool - got all random credit cards, fake profile (0 kids and a partner) lol
Still don’t know about it but my mom and dad always says pay your bills on time
757 credit score and climbing. took a digger a fee years back got that straighten out.
He said past behavior is the indicator of futurebehavior and i honestly dont believe that. My husband used to make very little and we couldnt afford anything but we would always pay our bills and rent on time, we did have late payments and thats why our credit score went down, but we ALWAYS paid. Credit stays bad for a while even after you’ve paid things off, its a struggle. We’re almost debt free now, I wish anyone that is struggling the best..
I went from none to 798 in 8 years
Some of the people didnt even get questioned, what happen to the orher other people?
Dewa is a straight up nightmare
There was a girl in the black leather coat in the final line up that we never saw!
I think maybe she had bad credit i guess or didn't to talk anymore 🤷♂️ ??
I have a horrible credit score - my ex & I had so many things together, I thought we would be end game, but he cheated. when we split, I went from a dual income to a single income, I couldn’t afford it all, & he refused to help me so I stopped paying on all of it. idk what to do to even raise my score or if its even worth the hassle.
Dewa didn’t even ask them about money habits so ridiculous
Ok but Jan is cute and I NEED his jacket! 😊
🙄
i'm from a country where we don't use credit score, that seems so abstract to me
My credit score is 805, and never worked a full time job in the states since I’ve moved abroad. I got my first student CC in high school while working part time. Never expected to get approved for credit cards with a high annual fee and probably on my 10th cc that’s opened now. Are credit scores even accurate though? Sure I’ve only had a late payment but it’s weird how I can even get approved for practically every card I apply for and the highest is one with a 11k limit.
If you make all your payments, then they have no reasons to believe you won't keep doing that.
The beginning when they’re introducing themselves… both had very different mothers 💀
There’s the person in the black and white striped sweater at the end, I don’t remember seeing them in the guessing???
Credit scores are a scam. The fact that’s it’s easier to get it dropped than it is to raise pisses me off
I'm from Australia where credit isn't really a big deal, like you don't need a credit card and stuff isn't based on a credit score (like to buy big things). I moved to the US and its such a huge thing, I don't get why it's such a big deal (like obviously I get why it's used, but it's so dumb to me you have to borrow money to get a score to buy bigger things). Then the huge risk for fraud.
Credit scores mean nothing yet get put on a pedestal as this thing that if it’s high you must be wealthy and “cool” yet if it’s low your irresponsible and poor, yet it’s really the history that’s needed and looked at. I am England and had a credit score of 997/999 on Experian when I turned 18 which is stupidly high for my age especially as the average is 300-400 I still couldn’t just immediately go and apply for an amazing credit card or loan with next to no interest!
The landlords voice sounds exactly like blaines.
I had 700 and it dropped drastically in 2022 due to me losing my job and being hospitalized it’s at 498 now 😭
You guys should do a video, a stoner guesses who smokes weed from a line up
Lady in the blue hoodie mad judgemental lol
She got nobody right.... lol
fr she think she's the shit for having high credit
Wow. Everyone's credit ranged from 600 upwards thats good, damn and sorry to sophie 6 iphone's in her name 💀☠☠ and the lady that mentioned the BMW people are heartless hope there able to get it up.