How to Get a Perfect Credit Score | How to get Perfect Credit | How to Get a Good Credit Score

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  • Опубліковано 28 вер 2024

КОМЕНТАРІ • 1 тис.

  • @Homentertainement2
    @Homentertainement2 4 роки тому +177

    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!

    • @ShaheedahHill
      @ShaheedahHill  4 роки тому +7

      Thanks for the feedback and thanks for watching!

    • @Homentertainement2
      @Homentertainement2 4 роки тому +7

      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!!!!

    • @Homentertainement2
      @Homentertainement2 4 роки тому +1

      Aidan Watkins if I could delete this add from beneath my comment I would..

    • @ShaheedahHill
      @ShaheedahHill  4 роки тому +1

      @@Homentertainement2 Done!

    • @ineztimblakes7268
      @ineztimblakes7268 4 роки тому +1

      From annualcreditreport.com some states qualify for a free report every 6 months such Georgia, your state included💁🏽‍♀️

  • @breannaandashley2274
    @breannaandashley2274 4 роки тому +221

    I am in 8th grade and this is teaching me on mistakes that I will not do. 🙂

    • @ShaheedahHill
      @ShaheedahHill  4 роки тому +18

      Thank you so much for watching...never stop learning and you will have a successful future.

    • @terri3486
      @terri3486 3 роки тому +10

      Proud of you and your not my child..my kids are getting educated early so they can miss some of my headaches

    • @ericgiles67
      @ericgiles67 2 роки тому +4

      That,s right u can’t learn this in school at all

    • @greaterishe7197
      @greaterishe7197 2 роки тому +2

      👏👏👏

  • @MelissaMoore_
    @MelissaMoore_ 4 роки тому +52

    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!! ♥️

    • @ShaheedahHill
      @ShaheedahHill  4 роки тому +2

      Best of luck and thank you for watching!

    • @MelissaMoore_
      @MelissaMoore_ 4 роки тому +1

      The Real Realtor - Shaheedah Hill Real Estate thank you!!!

    • @jacobbrown5689
      @jacobbrown5689 3 роки тому

      @@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.

    • @robinhawk2273
      @robinhawk2273 3 роки тому +1

      Athlenticcyber 👨‍❤️‍💋‍👨 telegram is a blessing to my Credit score. Thanks

  • @tigerrx7
    @tigerrx7 4 роки тому +68

    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!!!

    • @ShaheedahHill
      @ShaheedahHill  4 роки тому

      Thank you so much!!!

    • @oyedokunamos3792
      @oyedokunamos3792 4 роки тому

      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

    • @oyegokemubarakadebayo5179
      @oyegokemubarakadebayo5179 4 роки тому

      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

    • @bitcoinforbeginners9667
      @bitcoinforbeginners9667 4 роки тому

      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.

    • @roycreditmasterfix.comeras5133
      @roycreditmasterfix.comeras5133 4 роки тому

      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.

  • @monifareel-spain5478
    @monifareel-spain5478 2 роки тому +5

    Watched this with my daughter. She's about to attend college. Another great and informative video!

  • @YR-vz9ew
    @YR-vz9ew 4 роки тому +11

    Finally someone who breaks things down in detail. New subscriber!!

    • @ShaheedahHill
      @ShaheedahHill  4 роки тому

      Awesome, thank you!

    • @oyegokemubarakadebayo5179
      @oyegokemubarakadebayo5179 4 роки тому

      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!

    • @jacobbrown5689
      @jacobbrown5689 3 роки тому

      @@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.

  • @Blckman9183
    @Blckman9183 4 роки тому +18

    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.

    • @ShaheedahHill
      @ShaheedahHill  4 роки тому +1

      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

  • @brandoncompton7190
    @brandoncompton7190 3 роки тому +8

    Wonderful video! Definitely can tell you have a teaching background! Love the way you explain everything!

  • @PEACHFACE24
    @PEACHFACE24 4 роки тому +3

    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!!!!

    • @ShaheedahHill
      @ShaheedahHill  4 роки тому +1

      Do them within 14 days of one another. Thanks for watching!

  • @Iamcherese
    @Iamcherese 2 роки тому +3

    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

  • @bosslady874
    @bosslady874 2 роки тому +2

    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.

    • @ShaheedahHill
      @ShaheedahHill  2 роки тому +1

      Thanks so much. I really appreciate it😊

  • @devinedaughter5960
    @devinedaughter5960 2 роки тому +3

    May God continue to bless you 🙏🏽 thank you for sharing this valuable knowledge, especially so transparently and relatable

    • @ShaheedahHill
      @ShaheedahHill  2 роки тому

      You are so welcome, thank you for watching!

  • @vickyskye8492
    @vickyskye8492 3 роки тому +2

    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!

    • @ShaheedahHill
      @ShaheedahHill  3 роки тому

      Thank you so much for sharing and watching!

  • @ghaywood902
    @ghaywood902 3 роки тому +2

    You have some of the best information out here. I feel like all college students should have to watch your videos.

  • @ELLE_NESS
    @ELLE_NESS 2 роки тому +3

    This is so helpful 🤓 thank you, Shaheedah

  • @critiquemydecor6801
    @critiquemydecor6801 4 роки тому +2

    Just found this channel two days ago and hook. Watching all her videos.

    • @ShaheedahHill
      @ShaheedahHill  4 роки тому

      Happy you found me and thank you for watching!

  • @bubblabussy9996
    @bubblabussy9996 3 роки тому +4

    Your an amazing teacher. This is so informative and I have learned so much! Thank you!!!

  • @bm1870
    @bm1870 2 роки тому +2

    Thank you for this information I am so glad I found your channel. Your videos are very informative.

    • @ShaheedahHill
      @ShaheedahHill  2 роки тому +1

      Thanks for watching and for finding me. Welcome to the channel!

  • @izziereal2010
    @izziereal2010 4 роки тому +15

    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.

  • @ebonyqueen4931
    @ebonyqueen4931 2 роки тому +1

    Can you please do a video on bankruptcy and purchasing a home.

    • @ShaheedahHill
      @ShaheedahHill  2 роки тому

      Its a short one, but it has a download in the description. ua-cam.com/video/uHGKso7s3eg/v-deo.html

  • @sonya5568
    @sonya5568 3 роки тому +3

    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.

    • @ShaheedahHill
      @ShaheedahHill  3 роки тому +1

      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.

  • @norawhigham4572
    @norawhigham4572 3 роки тому +4

    You are awesome and I’m appreciate you sharing your knowledge with us. 💕

  • @justinfisher5175
    @justinfisher5175 4 роки тому +9

    My parents never taught me! I was pissed and screwed up so bad

    • @ibrahimosiyemi6540
      @ibrahimosiyemi6540 4 роки тому

      @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]

    • @demayoexperience
      @demayoexperience 3 роки тому

      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

  • @KeebasWorld
    @KeebasWorld 4 роки тому +1

    Smart young lady here. But what if you have collections that they refuse to remove even if you agree to pay 100%? No idea🤷🏽‍♀️

  • @kimberlypayne-brown2820
    @kimberlypayne-brown2820 4 роки тому +1

    Wow! Thank you so much! You were awesome! It was very simple and step by step.

  • @tysanders68
    @tysanders68 4 роки тому +9

    What do think about buying Tradelines to boost your score???

    • @mikeatkins1019
      @mikeatkins1019 4 роки тому +7

      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)

    • @jacobbrown5689
      @jacobbrown5689 3 роки тому

      @@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.

    • @jacobbrown5689
      @jacobbrown5689 3 роки тому

      @@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.

  • @avagencheva8354
    @avagencheva8354 2 роки тому +1

    Thank you, again. You are awesome.

  • @answermetvanalyzingallangl2047
    @answermetvanalyzingallangl2047 2 роки тому +1

    Thanks for the info

  • @beekaye1496
    @beekaye1496 4 роки тому +2

    Very well said. You have a gift for sure. Keep it up

  • @luisf7105
    @luisf7105 3 роки тому +3

    I knew it, you're an educator. No wonder you have such a true knack for teaching this stuff in such a simplified way. Given the proximity of Georgia and Florida, are you also licensed in Florida?👊🏾

    • @ShaheedahHill
      @ShaheedahHill  3 роки тому +1

      Wow, thank you . No only in Georgia.

  • @Iamcherese
    @Iamcherese 2 роки тому +1

    Thank you

  • @ThePrincessWithin313
    @ThePrincessWithin313 4 роки тому +5

    Yeah, I co-signed for my son an apartment a fre years ago. It turned out bad. I'll never do that again.

    • @ibrahimosiyemi6540
      @ibrahimosiyemi6540 4 роки тому

      I am 100% contended and satisfied with the credit repair service provided for me at Credit MasterFix, LLC. I found about their team name Credit MasterFix LLC on google and the feed backs were astronomically strong and positive, you can look them up for similar related issues concerning your credit. creditmasterfixdotCOM

    • @fixedmycreditusingroycredi4079
      @fixedmycreditusingroycredi4079 4 роки тому

      I used the services of a credit repair specialist *Roy AT creditmasterfix DOT com*- to improve my credit score and they did a great job, i now score an amazing 800+ across all three bureaus. They offer fantastic service, i am impressed. (Roy @creditmasterfix .com)

    • @jacobbrown5689
      @jacobbrown5689 3 роки тому

      @@fixedmycreditusingroycredi4079 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.

    • @jacobbrown5689
      @jacobbrown5689 3 роки тому

      @Rhoda Small 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.

  • @EC4400
    @EC4400 4 роки тому +1

    Very informative. Thanks

  • @willjoful
    @willjoful Рік тому +1

    What about just paying the Remaining Statement Balance of credit card?

  • @kelz3454
    @kelz3454 3 роки тому +8

    "If your still paying late.. Delete this video" 🤣

    • @ShaheedahHill
      @ShaheedahHill  3 роки тому +2

      😂😂Well you know what I mean...

    • @kelz3454
      @kelz3454 3 роки тому +3

      @@ShaheedahHill I've been an agent for 2yrs. I have studied all of your videos. You are an inspiration.

  • @SCSC-qz7rr
    @SCSC-qz7rr 3 роки тому +1

    👏👏👏👏👏👏 GREAT INFO, GREAT VIDEO!👏👏👏👏

  • @alitabrown1182
    @alitabrown1182 4 роки тому +3

    It’s a very great video and a great moment for me today😊

    • @ShaheedahHill
      @ShaheedahHill  4 роки тому

      Glad you enjoyed it

    • @alitabrown1182
      @alitabrown1182 4 роки тому

      Yes I do, it make me meet the real one too @ worldhackall on IG 💋

    • @jacobbrown5689
      @jacobbrown5689 3 роки тому

      @@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.

  • @TERESAFILIPINAINAMERICA
    @TERESAFILIPINAINAMERICA 2 роки тому +1

    Wow you are so amazing , so smart .

  • @djteddiebear
    @djteddiebear 4 роки тому +3

    You are Awesome!

  • @kimberlywilliams3174
    @kimberlywilliams3174 3 роки тому +1

    I love your videos I have a decent credit score but only credit cards my loans have been paid in full does that mean I can't purchase a home because I only have 3 credit cards and no active loans

    • @kimberlywilliams3174
      @kimberlywilliams3174 3 роки тому +1

      Should I take out a new loan?

    • @ShaheedahHill
      @ShaheedahHill  3 роки тому

      No, you shouldn't need to. Work to get your credit card debt down to 50% then 30%, then 10% or less of the total available balance, that should help increase your score. And of course continue to pay bills on-time. Also, conventional loans will begin to look at rental history and not just credit score, so if you rent you can still qualify without taking on additional debt.

    • @kimberlywilliams3174
      @kimberlywilliams3174 3 роки тому

      @@ShaheedahHill Thank you so much that's very helpful information.I appreciate your assistance

  • @ericgiles67
    @ericgiles67 2 роки тому +1

    High utilization, over 20 or 30 percent is too high, period I know been thru it currently my utilization, meaning the use of my credit cards now is at 10 percent so that means I’m only using my credit when I absolutely have to, things or problems will come up, but if not try not to splurge or unnecessarily spend if u don’t have to

  • @Reneesweet23
    @Reneesweet23 4 роки тому

    I love your video and I learned a lot. But I did something you said not to do that’s is giving a collection agency my bank information to take out payments until paid off 🤦🏾‍♀️ . I am also making extra payments to finish faster. And to be honest with you I just wanted to make sure I pay the debt off to finish cleaning up my credit. My credit is not bad but not good for now. Three of the debt I settle because I couldn’t afford the full amount. Thank god all have been deleted accept for the one I am paying.

  • @lisabriggs2981
    @lisabriggs2981 Рік тому +1

    How about when you are going through a divorce and your spouse won't pay his part of the debt.

    • @ShaheedahHill
      @ShaheedahHill  Рік тому

      Unfortunately, divorce is one of the things that can ruin your credit if one spouse stops paying on obligations. As you go through the divorce, please seek your attorney's advice on how to protect your credit. Here is a good article for you to review - www.nerdwallet.com/article/finance/protect-credit-divorce

    • @lisabriggs2981
      @lisabriggs2981 Рік тому

      Thank you so much

  • @jessiemoorehead08
    @jessiemoorehead08 4 роки тому +3

    If a debt was charged off should you submit the deletion letter to the original credit issuer or the collection agency?

    • @onlyest3921
      @onlyest3921 4 роки тому +1

      Following;

    • @ShaheedahHill
      @ShaheedahHill  4 роки тому +1

      Submit the deletion letter to the company reporting negatively on your report. You may need to do both.

    • @oyegokemubarakadebayo5179
      @oyegokemubarakadebayo5179 4 роки тому

      Credit Master Fix are amazing! They stand by their motto! Yes, it is ultimately up to you to do what is required, but Roy and his staff are by your side every step of the way guiding and advising you on what to do. Roy gave me his personal cell phone number and he always called to check on my progress. He offered words of encouragement when I got frustrated and discouraged. His staff members were diligent in following up and following through via emails and phone calls. What a blessing it was to work with such a wonderful team of people whose hearts are purposed in helping others better their lives. The team is effective and efficient in everything that they do, professional but personal as well. I would highly recommend this company to others. I am now in the 800 club all thanks to [Roy@creditmasterfix.com]

  • @rockdescorpio1178
    @rockdescorpio1178 4 роки тому +1

    Yeh this is a good look ty!

  • @missannie8012
    @missannie8012 4 роки тому +1

    For the secured card I know to keep it less than 30% or even 10% But another video guy said to leave a small balance every month or they may not report usage?

  • @twotimes87
    @twotimes87 4 роки тому

    See you in seven years paid a collection and they are only reporting paid in full and i gave payment info they wanted more to delete and i couldn't afford more

  • @shereetaylor232
    @shereetaylor232 4 роки тому +2

    I have a dire question. I have to choose between turning my late line of credit into a loan or keep as line of credit and have to catch up? What would you do?

    • @ShaheedahHill
      @ShaheedahHill  4 роки тому +1

      It would depend on interest rate and other payment terms and your budget. Compare the options side by side and see which is better for you. Also if you turn the line off credit into a loan how will the company report that to the credit agencies.

  • @anneshaadams
    @anneshaadams 4 роки тому

    wooooow you are amazing at educating!!!

  • @AnaRamirez-fh6iq
    @AnaRamirez-fh6iq 4 роки тому

    Wonderful video great information have a wonderful day 👍

  • @Mrs_Canary
    @Mrs_Canary Рік тому +1

    Should i close 1 of the 2 of my c.c..? The one i want 2 close has a annual fee.

    • @ShaheedahHill
      @ShaheedahHill  Рік тому

      You can but if you are in the middle of using your credit to purchase a home you may want to wait, because it will impact your credit if you have had the card for a long time. However, your credit will rebound. Call the credit card company to see if they will waive the annual fee.

  • @jamilataylor2104
    @jamilataylor2104 3 роки тому +2

    Hello love how informative you are. Great information I just recently applied for a secured credit card with my local credit union to improve my credit I have
    a 500 limit from my saving account. Should I spend only 10 dollars a month for six months or longer and pay the minimum balance each month.

    • @ShaheedahHill
      @ShaheedahHill  3 роки тому +1

      If you are only spending 10, pay it off. That would likely be less than the minimum. Ask the credit union what strategy would improve or raise your score the fastest.

  • @minacoffee
    @minacoffee 4 роки тому +1

    Thank you for this video. This is real education right here! I learned so much!

  • @stylistabeauty
    @stylistabeauty 4 роки тому +2

    Do late payments for student loans fall off after the 7 years or is that excluded from the 7 year drop off?

    • @ShaheedahHill
      @ShaheedahHill  4 роки тому

      Yes, they should come off after 7 years. Student loans that you have defaulted on or are delinquent on are going to stay on your credit report for seven years from the original delinquency date of the debt. Student loans are a type of installment loan, like an auto loan or a mortgage.However they can still garnish your pay or take your tax refund.

    • @kathrynbrock4495
      @kathrynbrock4495 4 роки тому +2

      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).

    • @jacobbrown5689
      @jacobbrown5689 3 роки тому

      @@kathrynbrock4495 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.

  • @lynn9176
    @lynn9176 4 роки тому +1

    If you have zero credit here is how you can start. Get a ~~ Capitol one secure card. After 6 months of paying on time your credit will take off. However don't spend on that card more than ten dollars a month on the card. I helped my brother do this and he now has six different cards and a score of 750. He started with 580 ..... Don't do it unless you feel your ready to be responsible.

    • @bevill72able
      @bevill72able 4 роки тому

      Yes your right..but be extremely careful with Capital One, they will sucker you in by raising your credit line...and it will take forever to pay off

    • @bitcoinforbeginners6932
      @bitcoinforbeginners6932 4 роки тому

      I was able to remove my tax lien and unwanted collections on my credit and also had my credit increased from 598 to 810 within a short time with the help of Roy Brandon from Credit MasterFix LLC. Someone from work hit me up with them, at first I was skeptical about it but I contacted him because I needed to get a loan, now my family is happy and grateful to Credit MasterFix LLC for helping me . I have recommended him to few of my friends and you can contact him through email (Roy@creditmasterfix.com) if you need your credit fixed too

    • @jacobbrown5689
      @jacobbrown5689 3 роки тому +1

      @@bevill72able 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.

    • @jacobbrown5689
      @jacobbrown5689 3 роки тому

      @@bitcoinforbeginners6932 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.

  • @themandinkafamily
    @themandinkafamily Місяць тому

    Im not a public service worker or teacher. Is there any way to get rid of my student loans? I honestly don't want to pay it. Are there charities that pay it off to use as a write off?

  • @darrylsmith3102
    @darrylsmith3102 4 роки тому +3

    So so SO!! True, a $384 $478 $556 & a $600 Dollar+ Car Payment pluse Gas and insurance will without QUESTION! Destroy! you financially and continuously pull your credit score lower and lower to the point where you can't even eat....Now add your Rent, Electric Cell phone Food and other necessary monthly expenses... Been There, Done That. it's.... HELL.

  • @maritatache4543
    @maritatache4543 3 роки тому

    I heard living or having the same address for a long time also impacts your credit positively. Is this true if you know?

  • @shadalajackson6757
    @shadalajackson6757 3 роки тому +1

    Thank you for the content really good information and it has been helpful. FYI I already co-signed a car for my daughter and she defaulted.... do I have to wait about 3 or more years if I want to purchase a home?

    • @ShaheedahHill
      @ShaheedahHill  3 роки тому +1

      You shouldn't have to wait, it really depends on the impact to your credit score of the default. You will need to get your credit score up enough to qualify for a mortgage. Some lenders will approve you with a score as low at 580 but usually with higher interest and fees. Thanks for watching.

    • @shadalajackson6757
      @shadalajackson6757 3 роки тому

      @@ShaheedahHill thank you for this information I'm a new subscriber 👍🏾

    • @ElleBrOw
      @ElleBrOw 3 роки тому

      @Lori Harvey Bye ❌

  • @3jontez
    @3jontez 3 роки тому +1

    I'm trying to buy a house right now going through the NACA program, I have 3 credit cards almost finish paying for them so you are saying pay them off but don't close the account on either of them? I don't wanna any of them.

    • @ShaheedahHill
      @ShaheedahHill  3 роки тому +1

      Pay them off but don't close them yet, it will likely lower your credit score. Once you are settled and closed on your home, you can close them and you will have time for you credit to rebound. Thanks for watching!

  • @06jsil
    @06jsil 2 роки тому +1

    Me and my wife have car notes. Will we still be able to get home

    • @ShaheedahHill
      @ShaheedahHill  2 роки тому +1

      Maybe depending on your income, calculate your DTI ratio to find out, here is a video - ua-cam.com/video/S3glBuf2fRw/v-deo.html

  • @femme5
    @femme5 4 роки тому +2

    So only one credit score count right? And when ask for your credit score give them the highest one? Or tell them all three? Speaking in general

    • @ShaheedahHill
      @ShaheedahHill  4 роки тому +2

      They use your middle score. Watch my pre-approval video for a better idea for how this works.

    • @bitcoinforbeginners9667
      @bitcoinforbeginners9667 4 роки тому +1

      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]

    • @jacobbrown5689
      @jacobbrown5689 3 роки тому

      @@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.

  • @netsai61
    @netsai61 4 роки тому +7

    Does the Experian Boost actually work?

    • @ShaheedahHill
      @ShaheedahHill  4 роки тому +13

      It does because they allow you to report rent payments and utility payments - bills not typically reported, but it only applies to Experian, your other scores will not change.

    • @MrLewis91120
      @MrLewis91120 4 роки тому +1

      @@ShaheedahHill are mortgage companies still lending? or have they all tighten their requirements

    • @bearbear4030
      @bearbear4030 4 роки тому +2

      Collins Sagomba yes...I did it (just to see) and I immediately jumped 22 points!

    • @MT-qq6id
      @MT-qq6id 4 роки тому

      @@bearbear4030 . A lender pulls on three credit scores, and uses the median aka middle score to qualify you .The credit boast only applies to experian and not to transunion or equifax so if experian is your highest score, it won't be used anyways.

  • @chellrobin1
    @chellrobin1 4 роки тому +2

    Great information! Thank you so much!

  • @valeriedavis3322
    @valeriedavis3322 4 роки тому

    Thanks sister for the helpful information
    #Blessigs

  • @sammisweatheart2612
    @sammisweatheart2612 4 роки тому +1

    Hi, what’s if you paid for delete. And they didn’t send you any letters or information and I paid with my card?

    • @ShaheedahHill
      @ShaheedahHill  4 роки тому

      Next time, get the letter first saying they will remove and do not give them access to any electronic accounts - pay by check or money order. Dispute the item in writing, not online and use the credit/debit card transaction as proof of payment.

  • @samisamabuelhaj8512
    @samisamabuelhaj8512 4 роки тому

    Thanks

  • @MieshaMarie
    @MieshaMarie 3 роки тому +1

    So when you make a payment to close out a collection account, it falls off 7 years from that last payment?

    • @ShaheedahHill
      @ShaheedahHill  3 роки тому +2

      It should but the main thing to remember is that the older it is the less impact it has - Think about this - after a foreclosure within about 2-3 years credit is typically back where it was prior if you have been paying everything else on-time.

    • @MieshaMarie
      @MieshaMarie 3 роки тому

      @@ShaheedahHill 👌🏾 thank you

  • @lashturner
    @lashturner 3 роки тому +1

    I consider the perfect credit score 850.

  • @tampadw4l401
    @tampadw4l401 2 роки тому +1

    Every 30 days since the virus hit. You can request credit report.

  • @keshahenry8449
    @keshahenry8449 4 роки тому +2

    So should I start making payment arrangement for what is on my credit it’s mostly hospital bills

    • @ShaheedahHill
      @ShaheedahHill  4 роки тому

      Ideally you should make the payment arrangements before they report it to the credit repair agencies. Now that they are in collections, it may not benefit you much. How old are they?

    • @keshahenry8449
      @keshahenry8449 4 роки тому

      The Real Realtor - Shaheedah Hill Real Estate they are at least 5 years old

    • @HOPE.TheresNoPlaceLikeHomeClub
      @HOPE.TheresNoPlaceLikeHomeClub 4 роки тому

      You can dispute collection accounts.

    • @keshahenry8449
      @keshahenry8449 4 роки тому

      HOPE, LLC Helping Others Progress Economically thank you very much

    • @bitcoinforbeginners9667
      @bitcoinforbeginners9667 4 роки тому

      @@HOPE.TheresNoPlaceLikeHomeClub 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]

  • @henryestilin9090
    @henryestilin9090 3 роки тому +101

    She is a genuine, smart, God gifted professor not just a realtor.

  • @thatsyourgirl._lele1247
    @thatsyourgirl._lele1247 3 роки тому +1

    Thank you so much ! I learn so much I one video and I’m showing my kids . Love your channel❤️

  • @atmfinancialservicesllc641
    @atmfinancialservicesllc641 4 роки тому +44

    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.

    • @oyegokemubarakadebayo5179
      @oyegokemubarakadebayo5179 4 роки тому

      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!

    • @ShaheedahHill
      @ShaheedahHill  4 роки тому +1

      Thank you for the feedback and yes the earlier the better!

    • @jacobbrown5689
      @jacobbrown5689 3 роки тому

      @@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.

  • @brandyhaymond9212
    @brandyhaymond9212 4 роки тому +42

    Love your channel! I teach high school. 👋🏼❤️ great teaching. We need more of this in school.

    • @ShaheedahHill
      @ShaheedahHill  4 роки тому +2

      Awesome! Thank you!

    • @robinhawk2273
      @robinhawk2273 3 роки тому +1

      Athlenticcyber 👨‍❤️‍💋‍👨 telegram is a blessing to my Credit score. Thanks

  • @3smaster581
    @3smaster581 4 роки тому +211

    Well I’m close to 800 I’m just 400 away

  • @kingdomseeker88
    @kingdomseeker88 3 роки тому +28

    0:40 Parents can’t teach what they don’t know. #themoreweknow

    • @ShaheedahHill
      @ShaheedahHill  3 роки тому +4

      Very true!

    • @sonya5568
      @sonya5568 3 роки тому +4

      Definitely true because my family line has NEVER spoken of credit, budgeting nor savings so many of us learn sooooo much later in life.

  • @myraclejarmon6239
    @myraclejarmon6239 3 роки тому +19

    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.

    • @ShaheedahHill
      @ShaheedahHill  3 роки тому +1

      Sounds like you are doing great! Thank you for watching!

  • @carmkizzle
    @carmkizzle 2 роки тому +9

    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!

  • @lisahawkins9187
    @lisahawkins9187 2 роки тому +12

    I 💯 agree about our Parents not telling us about credit at an earlier age. 😕

    • @karenwhite4141
      @karenwhite4141 Рік тому +1

      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.

  • @dorcasolanrewaju1781
    @dorcasolanrewaju1781 3 роки тому +15

    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!

  • @claudette0310
    @claudette0310 4 роки тому +12

    You teach with boldness, simplicity and assurance. Thank you for the training. God Bless

  • @bosslady874
    @bosslady874 2 роки тому +5

    You provide such valuable information. Thanks a lot 🙌🏾

  • @peppaminttea
    @peppaminttea 4 роки тому +4

    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!

  • @AhsokaRey
    @AhsokaRey 4 роки тому +9

    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!

    • @ShaheedahHill
      @ShaheedahHill  4 роки тому +3

      Thank you so much for watching and providing this feedback. It is appreciated. Congratulations on starting the home buying process!

  • @peacebestill662
    @peacebestill662 3 роки тому +5

    I’m at a 712 on one then 694 on another! 🤨
    Added; now I’m at 730

  • @starful07
    @starful07 4 роки тому +8

    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!

  • @alexandraadams2070
    @alexandraadams2070 2 роки тому +2

    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.

    • @ShaheedahHill
      @ShaheedahHill  2 роки тому +2

      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.

  • @imargroomes4990
    @imargroomes4990 4 роки тому +5

    Does it help my credit?

    • @noahgomez4828
      @noahgomez4828 4 роки тому +4

      I would actually recommend you use the help of a professional so you do not ruin your credit the more. I used the assistance of a credit repair specialist to fix my credit profile, he also cleared all my credit card debts too and that improved my score by more than 97 points. Just shoot him an email (Patchcredit@gmail.com)

    • @ibrahimosiyemi6540
      @ibrahimosiyemi6540 4 роки тому

      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]

    • @jacobbrown5689
      @jacobbrown5689 3 роки тому

      @@noahgomez4828 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.

  • @seand67
    @seand67 2 роки тому +3

    Awesome explanation. I’m thankful that I stayed out of credit trouble

  • @julieoscarsrealtor
    @julieoscarsrealtor 3 роки тому +5

    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.

    • @ShaheedahHill
      @ShaheedahHill  3 роки тому +1

      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!

  • @MzEbony_Luvz
    @MzEbony_Luvz 4 роки тому +5

    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!!

  • @Dcw1
    @Dcw1 3 роки тому +7

    Hands down the best teacher!!! I got so excited when I found this channel😅 Great video!!!

    • @ShaheedahHill
      @ShaheedahHill  3 роки тому +1

      Hey Deliz... one of my best students ever! Thanks for watching!

    • @robinhawk2273
      @robinhawk2273 3 роки тому +1

      Athlenticcyber 👨‍❤️‍💋‍👨 telegram is a blessing to my Cash App. Thanks

  • @thatsyourgirl._lele1247
    @thatsyourgirl._lele1247 3 роки тому +4

    Thank you so much ! I learn so much I one video and I’m showing my kids . Love your channel❤️

  • @fioresolerjacobs8028
    @fioresolerjacobs8028 4 роки тому +6

    Wow you answered my questions I’m calling my car company tomorrow followed by a good will letter. Thank you thank you 🙏

    • @ShaheedahHill
      @ShaheedahHill  4 роки тому +1

      Best of luck!

    • @robinhawk2273
      @robinhawk2273 3 роки тому

      Athlenticcyber 👨‍❤️‍💋‍👨 telegram is a blessing to my Cash App. Thanks

  • @CreditCrunchTeenAcademy
    @CreditCrunchTeenAcademy 3 роки тому +4

    Great Video!! I had my 15 year old daughter watch this video with intention to understanding the importance of excellent credit. Thank you 😊

    • @ShaheedahHill
      @ShaheedahHill  3 роки тому

      Fantastic, thank you for watching and the feedback!

  • @keishathompson5094
    @keishathompson5094 3 роки тому +4

    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!

  • @stanyelewest9160
    @stanyelewest9160 2 роки тому +1

    I have had a collection removed by dispute only for them to come back under another collection agency name.

  • @MyNicknash
    @MyNicknash 4 роки тому +6

    Thanks sis! Such a blessing to find your channel

  • @sheeboutique9513
    @sheeboutique9513 4 роки тому +5

    Thank you once again for your advice!!!!💯 YOU’RE AWESOME👑 800 credit score...HERE I COME!!!!🙏🏽💃🏾🏡🙌🏽

    • @ShaheedahHill
      @ShaheedahHill  4 роки тому +1

      Yes, you can definitely do it!

    • @sheeboutique9513
      @sheeboutique9513 4 роки тому

      Thanks!!

    • @bitcoinforbeginners9667
      @bitcoinforbeginners9667 4 роки тому

      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]