This should have 1M views!!!!! She’s giving away priceless information! There’s people out there charging people excessive amounts of mo way for this info!
The Real Realtor - Shaheedah Hill Real Estate Thank you! I know majority of the things you mentioned but that’s not typical. I already shared this video with my siblings, parents, aunts &’uncles. I appreciate your passion, sincerity, and genuine transparency in your videos. Keep up the great work!!!!
The only "financial" words spoken in my home was, "the bank is your friend." Whatever that meant. Now I'm 45 and just getting my credit together thanks to people on UA-cam.
I got a secured card during summer of 2020 and had to provide a $200 deposit (so the credit line was $200). Fast forward to December of 2021 and my card is now unsecured, my credit line is now $1800, , AND I’m getting my $200 deposit back😊. It definitely helps build credit with responsible use!
I’m looking to buy my first house sometime in 2021 and your videos have helped me understand the process of buying the house so much! I appreciate all the advice you so kindly post for free!! ♥️
@@MelissaMoore_ Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
Awesome video. I loved the analogy with transcripts and GPA compared to credit reports and credit score. I am a Personal Financial Advisor and I too work with people who are trying to buy a home but don't have the credit score to qualify. I also consider myself a financial educator and consumer advocate. I totally agree with you when it come to teaching at an early age. I have taught Financial Literacy classes to students in junior high, high school, as well as adults. I also have a UA-cam channel where I post a new personal finance lesson each week. Sounds like we have a lot in common. Keep up the great work.
Roy Brandon assisted me with a very time sensitive issue. He was quick to get things moving and didn't stop until it was resolved. I was ashamed that I had gotten myself into such a bad situation, but was reassured by Roy@ creditmasterfix.com that this is not as bad as I thought. Roy was compassionate and understanding. He was very informative as to what was required by me and possible scenarios. He made me feel confident. I was extremely happy with the results. My experience with [Roy@creditmasterfix.com] and Credit Master Fix was absolutely GREAT! I highly recommend Roy and Credit Master Fix for any of your financial needs!
@@oyegokemubarakadebayo5179 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
Love this video ...I called my car company " from a previous bank .had 1 late payment..they still haven't removed it " Even when I asked..Now I'm with another lender " with another car
I’m so happy I found your channel. I’m currently in college about to go graduate school. I’m in the mid 700s now but I’m trying to lift to the 800s. Sadly I’m new to having credit. I also plan to own a house within the next 8-10 years so I plan to eliminate my student loan as soon as possible. Your videos are very helpful and are preparing me for more financial security and stability.
I fixed my bad credit report with the help of a credit repair specialist who I was referred to by my colleague, they helped me improve my bad credit and erased all the negative items affecting my score negatively. I now score an excellent 780’s across all 3 major bureaus all thanks to Mr Roy. Feel free to reach out to him for help as well Roy [at] creditmasterfix [dot] com
I was in the process of repairing my credit and someone recommended Actify Solutions in CA here but this company scammed me out of $24k, I paid them $850 monthly but all they did was to make my credit look more horrible until I saw positively strong reviews about Credit MasterFix, LLC on youtube here 7 weeks ago, I looked them up on google and they’re been my credit backbone, I now have 821 financial assessment.. You can check out their website *creditmasterfix .com* . Join this buzzing telegram group for tips to get improved credit in a few weeks
I’m in California, I bought a vehicle, but in my shopping I had 12 hard inquiries done in a one month period, I have heard (and I can’t remember where) that in Ca. if you BUY a vehicle within 30 days of the first inquiry that any inquiries within that 30 day period would be combined into ONE inquiry. But this has not been changed on my reports which is giving me headache along side collections, charge offs & tax liens but few weeks ago I read about Credit MasterFix, LLC from an article created from 2015 by a UK blogger. They didn’t only delete all negative items that’s giving me headache, they also raise by score by 285pts in under 3 weeks, I can’t thank you enough.. for similar assistance look them up creditmasterfix.com.
Hi everyone, I live in the state of Nevada. And as of a month ago I still needed help with my credit score. I had nowhere to turn to, My credit score was 569, I wanted it a little higher and probably my old accounts deleted although most of them I had no idea why they were there because I never opened accounts with credit card. I went on internet to search for help and I found the credit expertise in Credit MasterFix LLC cause I saw someone recommend them ASAP. We got started with the process with some few questions and a little display of competency as a proof of legitimacy. The good news is that he did all he said he will do (deleted the accounts, erased all the inquiries and eventually raised my score to a 805 excellent score. REACH out to him if you need your credit fixed and restored and you’ll definitely thank me later Roy@creditmasterfix com.
You are truly an amazing teacher-you make what you say easy to understand! The illustrations and clipboards work great too, thank you for all that you do!
This is why I added my kid as an "Authorized User" on my credit cards. She'll get all my payment history and I never use more than 10% of of the limit. Should have a great score when she turns 18 next year
I cannot fathom why someone would give this video a thumb’s down. This is a Million$s worth of game and the passion that she has to get this info to us is undeniable. There will always be haters. In my opinion, this is the best/most informative video in her library. I will definitely be showing this video to my teens. Thanks Mrs. Hill.
Roy Brandon assisted me with a very time sensitive issue. He was quick to get things moving and didn't stop until it was resolved. I was ashamed that I had gotten myself into such a bad situation, but was reassured by Roy@ creditmasterfix.com that this is not as bad as I thought. Roy was compassionate and understanding. He was very informative as to what was required by me and possible scenarios. He made me feel confident. I was extremely happy with the results. My experience with [Roy@creditmasterfix.com] and Credit Master Fix was absolutely GREAT! I highly recommend Roy and Credit Master Fix for any of your financial needs!
@@oyegokemubarakadebayo5179 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
Thank God for you and your masters in business education!!! You are giving us all the tea on home ownership lol. I am so happy your channel was recommended to me! I pray your channel grows because this information and the way you present is the best I’ve seen!
This explains why and how you break things down...good job from one teacher to another. Also, have you ever talked about programs for teachers buying houses for the 1st time.
Hi Teacher , you know you have to "Build on Prior Knowledge with New Content"😀. I don't have a video just for teachers but I did do a video that goes over the programs available in all states. If you are in Georgia, Georgia Dream gives $7500 to teachers. I have a Georgia Dream playlist under Playlist on the top of my channel. If you are not in Georgia most states will have some sort of teacher program. Here is a link to that video - ua-cam.com/video/uTw9wsbYGyc/v-deo.html
I have pretty good credit, but this has helped me thoroughly understand my credit probably for the first time. Thanks for the percentage breakdowns and wonderful explanations! I just found your channel a few days ago and started the home buying process for the first time a week ago. I’ve learned so much from you! Thank you!
No need for 800. All you need is to get to 750. The 750 person gets the same rate as me with 800s scores. 800 does look nice 🙂 I like how you teach credit in a way people can understand. Thumbs up!
Wow 🤩 mind blown over the being able to apply for the same type of loan multiple times since bureaus only dock you once. I have never ever heard anyone say that before. God bless you and the service of knowledge you are providing!!!!
Amazing video! Contains the basics to clean up your credit yourself. Love it! I can do this myself and save what I would spend with someone to clean up my credit.
Thank you yes, I have a subscriber that went from about a 570 to a 700+ in about 6 months. Everything they charge you for you can do yourself. Best of luck and thanks for watching!
I find this video really helpful. I just started improving my credit since quarantine started. I never knew how important credit was until I went to purchase a car and my car note equaled to be around $350/month for an american car!
Keep it up, over time your score will go up. Also, drive that car until the wheels fall off. Not having a car payment will allow you to save more and you will be in a better position when it is time to buy a home. Thanks for watching!
Credit Master Fix did an amazing job. Their professionalism was beyond compare from beginning to end. They follow through until we where able to accomplish our goal and still they continue to reach out and make sure everything is going well. My appreciation for their assistance is beyond words. They made a stressful situation move along flawlessly and where able to erase all negative items to raise my score 180 points, just within 7 days. Thank you again I will be happy to refer you out. [Roy@creditmasterfix.com]
@Trudie Schuelke Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
This was the best explanation of credit cards I’ve heard...... just subscribed to your channel. In the process of saving money for a future down payment.
That’s great information!!! I did exactly that with my car payment from 2 years ago and my credit utilization rate is down to 5%; my FICO score went from 490 to 750.
The Real Realtor - Shaheedah Hill Real Estate Thanks!!! I was furloughed a year and half and got behind on my car payment and they worked with me since I had a perfect payment history up until that point.
I currently have 'Credit PatchUp LLC' handling my credit portfolio. I have had a couple of missed payments, hard inquiries and collections all removed from my credit history using their unconventional strategy. I also got a good mortgage rate based on the credit score increase. I recommend you reach out to them to get your Credit boost and debts cleared in no time . [CreditPatchUp.com]
Thank you so much for the information I know the information I just don’t know how to convey it to my client so I appreciate the help and keep up the great work.
Thanks for sharing. The other problem is many credit cards will automatically be closed even if you don’t close it if you don’t use it. It has happened to me so what suggestions do you give to your buyers in that case since pouts drop when something is closed.
If you think the credit card company is going to close the credit card automatically when it is paid off then you may want to leave a small balance. However, must revolving accounts leave accounts open. Loans - like car loans and student loan will close once paid off. There is really nothing you can do there but it will rebound relatively quickly.
Getting a perfect credit score seemed to be out of my reach till I came across Credit Patch Up LLC who has helped me achieve my goal of a near perfect credit as my score was raised by 108 points within a few days of signing up for their services. He has also helped me clear all student loans, late payments, debt and hard inquiries on my credit report. I totally recommend this service to everyone in need of an effective credit restoration. (Gibbs@creditpatchup.com).
Credit Master Fix did an amazing job. Their professionalism was beyond compare from beginning to end. They follow through until we where able to accomplish our goal and still they continue to reach out and make sure everything is going well. My appreciation for their assistance is beyond words. They made a stressful situation move along flawlessly and where able to erase all negative items to raise my score 180 points, just within 7 days. Thank you again I will be happy to refer you out. [Roy@creditmasterfix.com]
@@bitcoinforbeginners9667 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
@Kalifornia Sol I just wanted to thank all of you for your gracious attitudes and work ethics helping me to repair my credit. It not only increased my credit scores but also taught me some valuable lessons on how to continue to get my scores up. Thanks to all of you I will now be able to qualify for my home refinance and I highly recommend you to anyone who is trying to repair their credit. In the past I never realised how helpful a credit repair company could be, I was skeptical but now I've learned to accept the help and learn from it. Thank you again everyone at Credit MasterFix LLC was very easy to work with and always available when needed, much appreciated. I look forward to continuing to work with you so that I can get my credit score's even higher. [Roy@creditmasterfix.com]
My parents got me my first credit card so i could stay building my credit. I reluctantly went with them and applied for it since i didn't care about credit at the time. Now I'm thankful they made me go, my age credit history would be way shorter than it is
Thanks for the videos, I'm working on my credit to buy a house.. My credit sucks cus of 6k in medical bills 😩 no student loans, no car note, just medical bills.
I just wanted to thank all of you for your gracious attitudes and work ethics helping me to repair my credit. It not only increased my credit scores but also taught me some valuable lessons on how to continue to get my scores up. Thanks to all of you I will now be able to qualify for my home refinance and I highly recommend you to anyone who is trying to repair their credit. In the past I never realised how helpful a credit repair company could be, I was skeptical but now I've learned to accept the help and learn from it. Thank you again everyone at Credit MasterFix LLC was very easy to work with and always available when needed, much appreciated. I look forward to continuing to work with you so that I can get my credit score's even higher. [Roy@creditmasterfix.com]
@@ibrahimosiyemi6540 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
If you are looking for fast credit score increase I would advise you purchase some good primary and AU tradelines which is guaranteed to get you 120-140 points ... I purchased mine from Credit Patch-Up LLC and my score improved in just within a week ... I now score an excellent 772 all thanks to their aged tradelines ( Tradelines@creditpatchup .com)
@@mikeatkins1019 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
@@jefferydanz9156 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
This is a great video! Thank you so much! One question, if you want to see what's on your credit reports is it good to pull of them at once? I took your advice on checking my credit card scores and bank scores and they vary 50-70 points! even among Transunion! So now I'm confused, shouldn't Transunion scores all be the same?? Help!
Hi and thanks for watching. Generally speaking all Transunion scores should be the same but each lender can use a slightly different model. I wouldn't worry about that too much. But go ahead and pull each of your credit reports from annualcreditreport.com and see if everything is accurate on your Transunion, Equifax and Experian reports.
Thank you for all your education on credit score! I am trying to build my credit but it’s going up by a point or two at a time. I have payed off everything but a student loan. Would large payments on the student loan help it to go up more?
Yes definitely, but have you tried purchasing tradelines from Credit PatchUp? I used their services to purchase a tradeline and it improved my score dramatically.(Tradelines@ creditpatchup.com)
My first of 3 Tradelines hit my report today and already went up 75 points on Equifax! 2 more Tradelines to go, a huge thank you to Mark at Credit Patch-Up!! huge help and always there to answer my questions and help with any hiccups.
I just wanted to thank all of you for your gracious attitudes and work ethics helping me to repair my credit. It not only increased my credit scores but also taught me some valuable lessons on how to continue to get my scores up. Thanks to all of you I will now be able to qualify for my home refinance and I highly recommend you to anyone who is trying to repair their credit. In the past I never realised how helpful a credit repair company could be, I was skeptical but now I've learned to accept the help and learn from it. Thank you again everyone at Credit MasterFix LLC was very easy to work with and always available when needed, much appreciated. I look forward to continuing to work with you so that I can get my credit score's even higher. [Roy@creditmasterfix.com]
@@lesliekinney4424 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
@@steujphils3739 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
@@alitabrown1182 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
I had a debit change the dates when they sold to another collection agency. They have found a way to keep that on your credit so it won't fall off at that 7 year mark.
You can reset the clock when you make payments or admit to the debt, if you haven't done that then dispute with the date of the original debt. Please see this: www.bankrate.com/personal-finance/debt/reset-old-debt/
I'm meeting with a lender next week. 95% of my debt is paid off, I just wish I knew what my true score is. I have one over 800 and the other two are in the upper 700's. I should be ok but I just wish it was more definitive. I don't understand the difference between the three bureaus.
Get your three credit reports they may be reporting slightly different things. The lender will use the score that falls in the middle, they will eliminate the highest and lowest.
Thank you for informing us. I have been building my credit for years. I recently relocated to Georgia and will be looking to purchase a home soon. I did utilize about 38% of my overall credit and it’s been hard getting it down 😔. My question is will a loan consolidation be a good thing or no? I’m so confused I don’t know what to do. Thank you in advance .....Q
Debt consolidation will not lower your debt, however if you can get a lower interest rate you may be able to pay it off sooner with more of your payment going toward principal. Try to call each of your credit cards and ask for lower interest rates, they are being very accommodating with the Covid crisis. Try to go to a local credit union to see if you can get a low interest card and transfer your other balances. clark.com/debt/how-to-get-out-of-debt/
This should have 1M views!!!!! She’s giving away priceless information! There’s people out there charging people excessive amounts of mo way for this info!
Thanks for the feedback and thanks for watching!
The Real Realtor - Shaheedah Hill Real Estate Thank you! I know majority of the things you mentioned but that’s not typical. I already shared this video with my siblings, parents, aunts &’uncles. I appreciate your passion, sincerity, and genuine transparency in your videos. Keep up the great work!!!!
Aidan Watkins if I could delete this add from beneath my comment I would..
@@Homentertainement2 Done!
From annualcreditreport.com some states qualify for a free report every 6 months such Georgia, your state included💁🏽♀️
I am in 8th grade and this is teaching me on mistakes that I will not do. 🙂
Thank you so much for watching...never stop learning and you will have a successful future.
Proud of you and your not my child..my kids are getting educated early so they can miss some of my headaches
That,s right u can’t learn this in school at all
👏👏👏
She is a genuine, smart, God gifted professor not just a realtor.
Thank you!
I 💯 agree about our Parents not telling us about credit at an earlier age. 😕
The only "financial" words spoken in my home was, "the bank is your friend." Whatever that meant. Now I'm 45 and just getting my credit together thanks to people on UA-cam.
I got a secured card during summer of 2020 and had to provide a $200 deposit (so the credit line was $200). Fast forward to December of 2021 and my card is now unsecured, my credit line is now $1800, , AND I’m getting my $200 deposit back😊. It definitely helps build credit with responsible use!
Great job, thanks for watching
Congrats
I’m looking to buy my first house sometime in 2021 and your videos have helped me understand the process of buying the house so much! I appreciate all the advice you so kindly post for free!! ♥️
Best of luck and thank you for watching!
The Real Realtor - Shaheedah Hill Real Estate thank you!!!
@@MelissaMoore_ Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
Athlenticcyber 👨❤️💋👨 telegram is a blessing to my Credit score. Thanks
Awesome video. I loved the analogy with transcripts and GPA compared to credit reports and credit score. I am a Personal Financial Advisor and I too work with people who are trying to buy a home but don't have the credit score to qualify. I also consider myself a financial educator and consumer advocate. I totally agree with you when it come to teaching at an early age. I have taught Financial Literacy classes to students in junior high, high school, as well as adults. I also have a UA-cam channel where I post a new personal finance lesson each week. Sounds like we have a lot in common. Keep up the great work.
Roy Brandon assisted me with a very time sensitive issue. He was quick to get things moving and didn't stop until it was resolved. I was ashamed that I had gotten myself into such a bad situation, but was reassured by Roy@ creditmasterfix.com that this is not as bad as I thought. Roy was compassionate and understanding. He was very informative as to what was required by me and possible scenarios. He made me feel confident. I was extremely happy with the results. My experience with [Roy@creditmasterfix.com] and Credit Master Fix was absolutely GREAT! I highly recommend Roy and Credit Master Fix for any of your financial needs!
Thank you for the feedback and yes the earlier the better!
@@oyegokemubarakadebayo5179 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
Love this video ...I called my car company " from a previous bank .had 1 late payment..they still haven't removed it " Even when I asked..Now I'm with another lender " with another car
I’m so happy I found your channel. I’m currently in college about to go graduate school. I’m in the mid 700s now but I’m trying to lift to the 800s. Sadly I’m new to having credit. I also plan to own a house within the next 8-10 years so I plan to eliminate my student loan as soon as possible. Your videos are very helpful and are preparing me for more financial security and stability.
Sounds like you are doing great! Thank you for watching!
I’ve watched about 3 of your videos since I subscribed in the past week and I must say, YOU ARE A GEM!! Keep it up, you are doing great!!!
Thank you so much!!!
I fixed my bad credit report with the help of a credit repair specialist who I was referred to by my colleague, they helped me improve my bad credit and erased all the negative items affecting my score negatively. I now score an excellent 780’s across all 3 major bureaus all thanks to Mr Roy. Feel free to reach out to him for help as well Roy [at] creditmasterfix [dot] com
I was in the process of repairing my credit and someone recommended Actify Solutions in CA here but this company scammed me out of $24k, I paid them $850 monthly but all they did was to make my credit look more horrible until I saw positively strong reviews about Credit MasterFix, LLC on youtube here 7 weeks ago, I looked them up on google and they’re been my credit backbone, I now have 821 financial assessment.. You can check out their website *creditmasterfix .com* . Join this buzzing telegram group for tips to get improved credit in a few weeks
I’m in California, I bought a vehicle, but in my shopping I had 12 hard inquiries done in a one month period, I have heard (and I can’t remember where) that in Ca. if you BUY a vehicle within 30 days of the first inquiry that any inquiries within that 30 day period would be combined into ONE inquiry. But this has not been changed on my reports which is giving me headache along side collections, charge offs & tax liens but few weeks ago I read about Credit MasterFix, LLC from an article created from 2015 by a UK blogger. They didn’t only delete all negative items that’s giving me headache, they also raise by score by 285pts in under 3 weeks, I can’t thank you enough.. for similar assistance look them up creditmasterfix.com.
Hi everyone, I live in the state of Nevada. And as of a month ago I still needed help with my credit score. I had nowhere to turn to, My credit score was 569, I wanted it a little higher and probably my old accounts deleted although most of them I had no idea why they were there because I never opened accounts with credit card. I went on internet to search for help and I found the credit expertise in Credit MasterFix LLC cause I saw someone recommend them ASAP. We got started with the process with some few questions and a little display of competency as a proof of legitimacy. The good news is that he did all he said he will do (deleted the accounts, erased all the inquiries and eventually raised my score to a 805 excellent score. REACH out to him if you need your credit fixed and restored and you’ll definitely thank me later Roy@creditmasterfix com.
You are truly an amazing teacher-you make what you say easy to understand! The illustrations and clipboards work great too, thank you for all that you do!
This is why I added my kid as an "Authorized User" on my credit cards. She'll get all my payment history and I never use more than 10% of of the limit. Should have a great score when she turns 18 next year
Thanks for watching, smart!
You teach with boldness, simplicity and assurance. Thank you for the training. God Bless
I appreciate that!
Love your channel! I teach high school. 👋🏼❤️ great teaching. We need more of this in school.
Awesome! Thank you!
Athlenticcyber 👨❤️💋👨 telegram is a blessing to my Credit score. Thanks
I cannot fathom why someone would give this video a thumb’s down. This is a Million$s worth of game and the passion that she has to get this info to us is undeniable. There will always be haters. In my opinion, this is the best/most informative video in her library. I will definitely be showing this video to my teens. Thanks Mrs. Hill.
Thank you, I appreciate that! You will always have haters, just have to keep pushing and do what God has put inside of you. ❤😊
Watched this with my daughter. She's about to attend college. Another great and informative video!
Thanks for watching together😊
You provide such valuable information. Thanks a lot 🙌🏾
Awesome explanation. I’m thankful that I stayed out of credit trouble
Finally someone who breaks things down in detail. New subscriber!!
Awesome, thank you!
Roy Brandon assisted me with a very time sensitive issue. He was quick to get things moving and didn't stop until it was resolved. I was ashamed that I had gotten myself into such a bad situation, but was reassured by Roy@ creditmasterfix.com that this is not as bad as I thought. Roy was compassionate and understanding. He was very informative as to what was required by me and possible scenarios. He made me feel confident. I was extremely happy with the results. My experience with [Roy@creditmasterfix.com] and Credit Master Fix was absolutely GREAT! I highly recommend Roy and Credit Master Fix for any of your financial needs!
@@oyegokemubarakadebayo5179 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
Thank God for you and your masters in business education!!! You are giving us all the tea on home ownership lol. I am so happy your channel was recommended to me! I pray your channel grows because this information and the way you present is the best I’ve seen!
This explains why and how you break things down...good job from one teacher to another. Also, have you ever talked about programs for teachers buying houses for the 1st time.
Hi Teacher , you know you have to "Build on Prior Knowledge with New Content"😀. I don't have a video just for teachers but I did do a video that goes over the programs available in all states. If you are in Georgia, Georgia Dream gives $7500 to teachers. I have a Georgia Dream playlist under Playlist on the top of my channel. If you are not in Georgia most states will have some sort of teacher program. Here is a link to that video - ua-cam.com/video/uTw9wsbYGyc/v-deo.html
Thanks....I just found out my credit passed 800. Have to continue knocking down my debt level before next year
Congrats
Wonderful video! Definitely can tell you have a teaching background! Love the way you explain everything!
Thank you so much!
Your a blessing I pray you see my message. It’s things I didn’t even know about my credit and you’ve helped me. Thank you so much!
You are so welcome, thank you for watching.
I have pretty good credit, but this has helped me thoroughly understand my credit probably for the first time. Thanks for the percentage breakdowns and wonderful explanations! I just found your channel a few days ago and started the home buying process for the first time a week ago. I’ve learned so much from you! Thank you!
Thank you so much for watching and providing this feedback. It is appreciated. Congratulations on starting the home buying process!
I am a homeschool Mom, thank you for sharing in a simple way. I am going to use your video for my 16 year old.
Thank you...great to hear. 😊
No need for 800. All you need is to get to 750. The 750 person gets the same rate as me with 800s scores. 800 does look nice 🙂
I like how you teach credit in a way people can understand. Thumbs up!
Hands down the best teacher!!! I got so excited when I found this channel😅 Great video!!!
Hey Deliz... one of my best students ever! Thanks for watching!
Athlenticcyber 👨❤️💋👨 telegram is a blessing to my Cash App. Thanks
You are fabulous . Senior citizen here starting all over with buying a home. Doing it all by myself. Thank you.
Thank you and best of luck! And you are not alone - Lots of Baby Boomers are buying homes now.
@@ShaheedahHill thanks for the insight
You will hear from me soon.
You have company. Go for it.
Wow 🤩 mind blown over the being able to apply for the same type of loan multiple times since bureaus only dock you once. I have never ever heard anyone say that before. God bless you and the service of knowledge you are providing!!!!
Do them within 14 days of one another. Thanks for watching!
Great Video!! I had my 15 year old daughter watch this video with intention to understanding the importance of excellent credit. Thank you 😊
Fantastic, thank you for watching and the feedback!
I am so fortunate to have access to your channel. I appreciate your willingness share valuable information that will help all that will dare apply.
Thanks so much. I really appreciate it😊
I started with a secured discover card to rebuild my credit for $200. After a year they gave my $200 back then gave me $1000 in total
I am a Discover fan! Good job😊
So glad I came across your videos! I’ve been hooked for the last 2 hours. Thank you!!
Thanks so much and welcome to the channel!
Thank you so much ! I learn so much I one video and I’m showing my kids . Love your channel❤️
You have some of the best information out here. I feel like all college students should have to watch your videos.
Glad you think so! Thanks so much😊
Amazing video! Contains the basics to clean up your credit yourself. Love it! I can do this myself and save what I would spend with someone to clean up my credit.
Thank you yes, I have a subscriber that went from about a 570 to a 700+ in about 6 months. Everything they charge you for you can do yourself. Best of luck and thanks for watching!
your fantastic i just actually fwded this to my 14 yr old. My mother was a teacher and I can see u have the same awesome way of explaining things!
Thank you so much for sharing and watching!
This is so helpful 🤓 thank you, Shaheedah
You're so welcome!
Just found this channel two days ago and hook. Watching all her videos.
Happy you found me and thank you for watching!
Wow you answered my questions I’m calling my car company tomorrow followed by a good will letter. Thank you thank you 🙏
Best of luck!
Athlenticcyber 👨❤️💋👨 telegram is a blessing to my Cash App. Thanks
I taught the same subject and would provide the same information to my students! Love this!
Thanks for watching fellow teacher 🍎. I appreciate it!
I find this video really helpful. I just started improving my credit since quarantine started. I never knew how important credit was until I went to purchase a car and my car note equaled to be around $350/month for an american car!
Keep it up, over time your score will go up. Also, drive that car until the wheels fall off. Not having a car payment will allow you to save more and you will be in a better position when it is time to buy a home. Thanks for watching!
I’m at a 712 on one then 694 on another! 🤨
Added; now I’m at 730
I just stumbled on your channel , glad to be here
Welcome!
I saw your video and I am happy for the videos. Your are precise to the point and you keeps it real. Thanks and be safe out there!!
Thank you once again for your advice!!!!💯 YOU’RE AWESOME👑 800 credit score...HERE I COME!!!!🙏🏽💃🏾🏡🙌🏽
Yes, you can definitely do it!
Thanks!!
Credit Master Fix did an amazing job. Their professionalism was beyond compare from beginning to end. They follow through until we where able to accomplish our goal and still they continue to reach out and make sure everything is going well. My appreciation for their assistance is beyond words. They made a stressful situation move along flawlessly and where able to erase all negative items to raise my score 180 points, just within 7 days. Thank you again I will be happy to refer you out. [Roy@creditmasterfix.com]
Oh yes this is factual and priceless info to know, bless this woman
Thank you for watching!
May God continue to bless you 🙏🏽 thank you for sharing this valuable knowledge, especially so transparently and relatable
You are so welcome, thank you for watching!
I really like how you break everything down to a science 😀Super!!
Thank you and thanks for watching
Hello Cousin. I am scrolling through UA-cam and I am like that looks like
Shaheeedah. Excellent.
Hey cousin - Thanks for watching! 😍
@Trudie Schuelke Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
1min in and Im already like wow... Great analogy! 👏🏾🥰
Thank you!
Athlenticcyber 👨❤️💋👨 telegram is a blessing to my Cash App. Thanks
Very great way to explain credit using the transcript/GPA comparison! I will utilize that information to explain it to young people from now on!
Great, thank you for watching!
Shaheedah, thank you for taking the time to pass this great information. I know this was a long video and I appreciate all that you do for us viewers.
Thank you
This is probably the most informative video I have ever seen on UA-cam University in regards to credit. Thank you 🙏🏾
Thanks sis! Such a blessing to find your channel
Thank you for this information I am so glad I found your channel. Your videos are very informative.
Thanks for watching and for finding me. Welcome to the channel!
Perfect analogy. I’m in the early stage of trying to grow my credit but I can’t wait to see if you can be my realtor 🙌🏾
I love this video here’s how I fix my credit
Because of Covid, annual credit report has credit access available for free multiple times (as opposed to once per year) until April 2021! Amazing!
Yes, it is great!
This is so educational! Thank you so much! Keep them coming!! 👏🏻👏🏻
Thank you! Will do!
This was the best explanation of credit cards I’ve heard...... just subscribed to your channel. In the process of saving money for a future down payment.
Thank you!
So glad I found your channel! Great video. You got a new subscriber. ❤️👀👍🏾
Thank you and welcome!
You are very informative and professional. Thank you
You are very welcome, thanks for watching
That’s great information!!! I did exactly that with my car payment from 2 years ago and my credit utilization rate is down to 5%; my FICO score went from 490 to 750.
Great job!
The Real Realtor - Shaheedah Hill Real Estate Thanks!!! I was furloughed a year and half and got behind on my car payment and they worked with me since I had a perfect payment history up until that point.
Congrats!!!
TunYotaSport Thanks
I currently have 'Credit PatchUp LLC' handling my credit portfolio. I have had a couple of missed payments, hard inquiries and collections all removed from my credit history using their unconventional strategy. I also got a good mortgage rate based on the credit score increase. I recommend you reach out to them to get your Credit boost and debts cleared in no time . [CreditPatchUp.com]
I have had a collection removed by dispute only for them to come back under another collection agency name.
Well I’m close to 800 I’m just 400 away
😳
Elle Brown right? Lol
lmao
😂
🤣🤣🤣🤣
As soon as I hear you speak “thumbs up”
Thank you!
Another great educational video!! Thank you!!!
My pleasure!
Thanks for sharing! Great video! Would closing credit cards hurt your score?
I love your videos 😊 Great content!! Keep it coming I just subscribed
Great thanks
Thank you so much for the information I know the information I just don’t know how to convey it to my client so I appreciate the help and keep up the great work.
You are so welcome, thanks for watching!
You are awesome and I’m appreciate you sharing your knowledge with us. 💕
Thank toy
Thank you
Thank you, needed to see this, very informative.
Thanks so much
Wow! This video is so informative and well executed. Thank you. Looking forward to new videos.
Awesome, thank you! Thank you for watching!!
Athlenticcyber 👨❤️💋👨 telegram is a blessing to my Cash App. Thanks
Can you please do a video on bankruptcy and purchasing a home.
Its a short one, but it has a download in the description. ua-cam.com/video/uHGKso7s3eg/v-deo.html
Thanks for sharing. The other problem is many credit cards will automatically be closed even if you don’t close it if you don’t use it. It has happened to me so what suggestions do you give to your buyers in that case since pouts drop when something is closed.
If you think the credit card company is going to close the credit card automatically when it is paid off then you may want to leave a small balance. However, must revolving accounts leave accounts open. Loans - like car loans and student loan will close once paid off. There is really nothing you can do there but it will rebound relatively quickly.
Great analogy with transcript/credit report. Easy to follow information.
Thank you!
Getting a perfect credit score seemed to be out of my reach till I came across Credit Patch Up LLC who has helped me achieve my goal of a near perfect credit as my score was raised by 108 points within a few days of signing up for their services. He has also helped me clear all student loans, late payments, debt and hard inquiries on my credit report. I totally recommend this service to everyone in need of an effective credit restoration. (Gibbs@creditpatchup.com).
Very helpful and informative. Thank you for this info :) Very easy to follow.
Credit Master Fix did an amazing job. Their professionalism was beyond compare from beginning to end. They follow through until we where able to accomplish our goal and still they continue to reach out and make sure everything is going well. My appreciation for their assistance is beyond words. They made a stressful situation move along flawlessly and where able to erase all negative items to raise my score 180 points, just within 7 days. Thank you again I will be happy to refer you out. [Roy@creditmasterfix.com]
@@bitcoinforbeginners9667 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
You are the best lady. Thanks
Wow, thank you!
My parents never taught me! I was pissed and screwed up so bad
@Kalifornia Sol I just wanted to thank all of you for your gracious attitudes and work ethics helping me to repair my credit. It not only increased my credit scores but also taught me some valuable lessons on how to continue to get my scores up. Thanks to all of you I will now be able to qualify for my home refinance and I highly recommend you to anyone who is trying to repair their credit. In the past I never realised how helpful a credit repair company could be, I was skeptical but now I've learned to accept the help and learn from it. Thank you again everyone at Credit MasterFix LLC was very easy to work with and always available when needed, much appreciated. I look forward to continuing to work with you so that I can get my credit score's even higher. [Roy@creditmasterfix.com]
My parents got me my first credit card so i could stay building my credit. I reluctantly went with them and applied for it since i didn't care about credit at the time. Now I'm thankful they made me go, my age credit history would be way shorter than it is
Thanks for the videos, I'm working on my credit to buy a house.. My credit sucks cus of 6k in medical bills 😩 no student loans, no car note, just medical bills.
Watch my pre-approval video the lender talks about medical bills. Some lenders don't consider them
I just wanted to thank all of you for your gracious attitudes and work ethics helping me to repair my credit. It not only increased my credit scores but also taught me some valuable lessons on how to continue to get my scores up. Thanks to all of you I will now be able to qualify for my home refinance and I highly recommend you to anyone who is trying to repair their credit. In the past I never realised how helpful a credit repair company could be, I was skeptical but now I've learned to accept the help and learn from it. Thank you again everyone at Credit MasterFix LLC was very easy to work with and always available when needed, much appreciated. I look forward to continuing to work with you so that I can get my credit score's even higher. [Roy@creditmasterfix.com]
@@ibrahimosiyemi6540 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
What do think about buying Tradelines to boost your score???
If you are looking for fast credit score increase I would advise you purchase some good primary and AU tradelines which is guaranteed to get you 120-140 points ... I purchased mine from Credit Patch-Up LLC and my score improved in just within a week ... I now score an excellent 772 all thanks to their aged tradelines ( Tradelines@creditpatchup .com)
@@mikeatkins1019 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
@@jefferydanz9156 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
So much good information. I’m going to be so knowledgeable when I purchase.
Glad it was helpful!
This is a great video! Thank you so much! One question, if you want to see what's on your credit reports is it good to pull of them at once?
I took your advice on checking my credit card scores and bank scores and they vary 50-70 points! even among Transunion! So now I'm confused, shouldn't Transunion scores all be the same?? Help!
Hi and thanks for watching. Generally speaking all Transunion scores should be the same but each lender can use a slightly different model. I wouldn't worry about that too much. But go ahead and pull each of your credit reports from annualcreditreport.com and see if everything is accurate on your Transunion, Equifax and Experian reports.
Your information is always a hard pill to swallow but priceless!!! I’m looking at Austelle, GA. You will be the first person I call👍🏽💕😃
Athlenticcyber 👨❤️💋👨 telegram is a blessing to my Cash App. Thanks
I really appreciate your content. Thank you!
I appreciate that! Thank you
Yayyy I’m so excited for this video !!! Lol . I had to comment before I watched it 😂
0:40 Parents can’t teach what they don’t know. #themoreweknow
Very true!
Definitely true because my family line has NEVER spoken of credit, budgeting nor savings so many of us learn sooooo much later in life.
First time listening to your channel very informative 👌
Thanks Omar, welcome!
Thank you for all your education on credit score! I am trying to build my credit but it’s going up by a point or two at a time. I have payed off everything but a student loan. Would large payments on the student loan help it to go up more?
Yes definitely, but have you tried purchasing tradelines from Credit PatchUp? I used their services to purchase a tradeline and it improved my score dramatically.(Tradelines@ creditpatchup.com)
My first of 3 Tradelines hit my report today and already went up 75 points on Equifax! 2 more Tradelines to go, a huge thank you to Mark at Credit Patch-Up!! huge help and always there to answer my questions and help with any hiccups.
I just wanted to thank all of you for your gracious attitudes and work ethics helping me to repair my credit. It not only increased my credit scores but also taught me some valuable lessons on how to continue to get my scores up. Thanks to all of you I will now be able to qualify for my home refinance and I highly recommend you to anyone who is trying to repair their credit. In the past I never realised how helpful a credit repair company could be, I was skeptical but now I've learned to accept the help and learn from it. Thank you again everyone at Credit MasterFix LLC was very easy to work with and always available when needed, much appreciated. I look forward to continuing to work with you so that I can get my credit score's even higher. [Roy@creditmasterfix.com]
@@lesliekinney4424 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
@@steujphils3739 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
Wow! Thank you so much! You were awesome! It was very simple and step by step.
Great info! I’m going to use this to teach my teenager about credit.
If you have accounts in collections, at what point should you just wait for the 7 years to lapse? 2.5, 3, or 5 years?
Very well said. You have a gift for sure. Keep it up
Thank you!
It’s a very great video and a great moment for me today😊
Glad you enjoyed it
Yes I do, it make me meet the real one too @ worldhackall on IG 💋
@@alitabrown1182 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
I had a debit change the dates when they sold to another collection agency. They have found a way to keep that on your credit so it won't fall off at that 7 year mark.
You can reset the clock when you make payments or admit to the debt, if you haven't done that then dispute with the date of the original debt. Please see this: www.bankrate.com/personal-finance/debt/reset-old-debt/
Very clear and excellent information 💕
Thank you
@@ShaheedahHill you're welcome
I'm meeting with a lender next week. 95% of my debt is paid off, I just wish I knew what my true score is. I have one over 800 and the other two are in the upper 700's. I should be ok but I just wish it was more definitive. I don't understand the difference between the three bureaus.
Get your three credit reports they may be reporting slightly different things. The lender will use the score that falls in the middle, they will eliminate the highest and lowest.
Thank you for informing us. I have been building my credit for years. I recently relocated to Georgia and will be looking to purchase a home soon. I did utilize about 38% of my overall credit and it’s been hard getting it down 😔. My question is will a loan consolidation be a good thing or no? I’m so confused I don’t know what to do. Thank you in advance .....Q
Andrew Mcpherson
Great thanks
Debt consolidation will not lower your debt, however if you can get a lower interest rate you may be able to pay it off sooner with more of your payment going toward principal. Try to call each of your credit cards and ask for lower interest rates, they are being very accommodating with the Covid crisis. Try to go to a local credit union to see if you can get a low interest card and transfer your other balances. clark.com/debt/how-to-get-out-of-debt/
The Real Realtor - Shaheedah Hill Real Estate thank you so much I’m going to look into that ASAP. 😁