How To Get The Perfect Credit Score For $0

how to get the perfect credit score for $0 are you ready to have a great credit score so that you can pay lower interest rates get higher credit limits and save money well in this video I'm going to share with you all of the secrets so that you can get it done for 0 Let's Go no she fix you got to get it done or you need to do it better well she can fix that yeah she can fix that investment to get back trying to get a big stack she can fix that let's fix that so I have a lot to go over and I'm going to get right to it you may already know what your credit score is but I need you to know that credit scores really do matter for your life if you have a credit score that is below 580 I want to let you know you probably have bad credit so scores less than 580 are considered bad credit trust me I used to have bad credit and I know how to fix it if you can get get your credit score though over 720 you will be considered someone with excellent credit and you will be able to pay lower interest rates you will also get discounts many times on insurance and house notes and pay lower interest rates and you'll even get approved for much higher amounts having great credit is a door opener to Opportunities you'll be able to pay lower rates like I said but more importantly you'll be able to leverage other people's money which in many cases can take you to that next level and reduce a lot of your stress so let's get into how you get that done today number one the first thing that you need to do is pull your credit report you literally get access to your credit report every single year for free just go to annualcreditreport.com now you can pull your credit report but it will not have a credit score so if you want to pay a little bit extra you can I'll actually give you a link at the end of this video where I have a cheat sheet that will give you a link to how you get your credit report pulled for free and more importantly how you can get all three credit bureaus so you may know that there are three credit bureaus you have Experian you have Transunion and you have Equifax one of the credit bureaus that I like to use and that I pay a monthly fee to is Experian and that is because Experian has this thing called experience boost where you can add rental payments or car insurance and different things like that and it will boost your credit score and it literally will boost it even at different companies they will see those higher credit scores so again I am not being promoted by Experian or anything like that but if you wanted to get your credit report for free or pay the subscription I recommend experion over the other two now if you have terrible credit and you want help you can call my friends at creative credit solutions.net my friend Justin merch actually helped me fix my own personal credit and he will give you a free consultation and you can actually work with him if you want help doing this and you don't want to do it yourself in this video I'm going to share with you how to do it yourself but always remember you can use the link below to contact creative credits solutions.net and get a free consultation just tell them Noel Randall sent you so after you have pulled your credit report and you actually got to see the entire report and you can see all of your trade lines you can see your addresses you can see if you have any collections or public records the first thing that you want to do is dispute everything that is negative I know some people will tell you not to do this and again this is Noel's opinion I am not a professional credit repair person person but I will tell you that I would dispute everything that's negative and if it stays up there cuz it's true that's fine but I would just dispute it because you're able to dispute everything and it doesn't cost you a dime to do it you will have to go through all three credit bureaus and VOD your disputes but in many cases you can do the entire process online and if they don't respond back the original creditor you have the possibility of getting that removed absolutely free it's an amazing thing to do to start cleaning up your credit and get a better credit score again you can go to Noels free.com and I'm going to give you a full checklist of everything that I'm saying and it will even include a letter that you can use to dispute and mail it to different creditors so that they will remove those negative items from your credit report remember credit bureaus have to keep information accurate so even if the amount is not accurate they have to remove it or if the dates are wrong different things like that so it's in your benefit to dispute it and again again it's absolutely free and you have a good chance of getting things disputed and removed and improving your credit score without paying a dime let me tell you some more things because it gets even more awesome number two add new trade lines so one of the things when I was working with creative credits solutions.net Justin merch and their team they talk to me about getting new trade lines so your credit score is comprised of many different things and none of us know what the exact algorithm or formula is for credit reporting scores but we do know that new trade lines does usually help boost your credit score in many cases so if you can get a new credit card for example even if you have to use a secured credit card where you give the bank $500 and then they give you a credit card that will report as a new trade line on your credit report and in many cases it can help boost your score but let me tell you a big secret of how I can do that and get multiple new trade lines at it that adds many many points there's a things at Banks called secured savings loans and these will report on your credit report as installment loans so a credit card of course is a revolving account but a car note or a personal loan where you have set monthly payments is called an installment loans and new installment loans actually increase your credit score even more than new revolving accounts do so you literally can take $11,000 walk into a credit union for example or walk into a smaller Bank like a mids size Bank maybe Regions Bank or PNC Bank or uh Fairwinds Credit Union you know there's different credit unions and things you can look this up I'll get actually again go to Noels free.com and I'll give you a list of banks that do this and you can take that $1,000 give it to them and then they will give you a loan against that $11,000 that will report as an installment account you can then take the $1,000 and go to another bank and do the exact same thing you literally can take money and then buy new accounts by getting new secured saving loans added to your credit report by opening up those accounts again you go to the bank give them $1,000 they give you a loan for that $1,000 you take that money you go to the bank you do it again you can rinse and repeat this two three four five times and in many cases they will approve you because it's a secured loan so they don't care about your credit score get a credit sponsor another amazing thing things that creative Credit Solutions taught me is that I could use my dad to help me fix my credit score he could make me an authorized user on some of his great accounts and then those accounts would show up on my credit report with all of that great long history that my dad had on those credit cards so for example I had very terrible credit like I said I used to be bankrupt broke living in my parents basement I moved and pregnant with my third kid and just in the worst situation ever so when I decided to to change my life I needed to fix my credit well my dad said that he could add me as an authorized user on two or three of his credit cards but he didn't really trust me so he did not give me the credit cards at the time I really didn't care I just cared about fixing my credit so when he added those three accounts to my credit my credit score went up by over 100 points because my dad had these great credit cards that he barely used and they had this really long history with this great payment history my credit score improved because of that again you may have an aunt a uncle a mom a dad that can do this and kind of be like a credit sponsor for you get you added as an authorized user and you can do this for free consolidate debts so if you are someone for example like me that had a ton of student loans you may have a lot of student loan accounts on your credit report and this could be harming you because in many cases the original amount that you opened the account for is now higher than the am amount that you owe because of the interest this really lowers your credit score this is a big secret that people don't know but if you have government student loans you literally can consolidate them into one loan and it will close out those other accounts and make a new account for you and in many cases it will increase your credit score my credit score increased by about 50 points when I did a student loan consolidation now again if you have credit cards for example or other loans you can consolidate them that will pay those loans off so they will go to a zero balance and you get a new account in the process it's an amazing way to increase your credit score for free especially with student loans so last but not least you need to understand what goes into your credit score there are five main factors that are affecting your credit score and you can utilize all of these five factors to increase your credit score by attacking each one of these things one by one so the first thing that affects your credit score is your payment history so make sure that you're making your payments on time if you have late payments that you've made in the past if you start making payments now on time it will increase your credit score number two credit utilization if you have credit card balances that are really high to the Limit you can see if they will increase your credit limit so that the balance that you owe is not as close to the Limit again your credit utilization really affects your credit score so attack this and this will get you points if you can get that credit utilization below 30% across the board you may have to do some balance transfers on credit cards or things like that but whatever you do you can get this credit utilization fixed by either getting limits increased or transferring balances to other cards to even it all out number three length of credit history well for some of us we won't be able to change how long we've had credit but with the secret that I gave you before with the authorized users accounts you can get credit cards and things added to your credit report that have a very long history that will give you a longer credit history you want a longer credit history and there's not really ways to do it except that one way I don't know of many other ways maybe my friends at creative credits solutions.net can help you and tell you even more ways number four credit mix so having different types of accounts like I said credit cards are revolving accounts then you can have Auto accounts you can have installment accounts you can have mortgage accounts you want to have a different mix of different types of credit on your credit report because this affects your credit so if you have have just credit cards get some installment loans if you just have a student loan get some credit cards again get a mix of credit going on your credit report and number five new credit again what the things that I told you earlier will help you get new credit just by using secured savings loans or by getting new accounts added or open up a secure credit card different things like that will help get you new credit because you always want to keep getting new credit because for some reason the credit reporting agencies think that if people continually give you new credit then that means you're a good credit risk if you need help with your credit call my friends at creative credits solutions.net again they're not going to be able to help every single person but I know that they are high integrity people they really help Noel Randle fix her credit they've helped tons of my students I've gotten great reviews and I absolutely love the team because they work really hard to help people restore their credit this isn't just credit repair it's credit Restorations just use the link below in the description box so that they know that I sent you and they give you that special treatment and that free consultation I just want to make sure that you have all of the resources all of the tools and all of the knowledge that you need to be successful this is Noel to your success

Channel: Noelle Randall

Views: 16,688

Keywords: credit score, credit score explained, credit score increase, how to increase your credit score, how to increase your credit score fast, 800 credit score, credit score tips, 850 credit score, increase credit score, how to get an 850 credit score, how to get a perfect credit score, improve credit score, how to raise your credit score, how to improve credit score, credit score hacks, credit score for beginners, credit scores fully explained, raise credit score

Id: ItQodOWHkJw

Length: 12min 12sec (732 seconds)

Published: Wed Feb 14 2024