How To Get The Perfect Credit Score 2019

[Music] as promised I'm gonna give you everything you need to know about how to build a perfect credit score pretty much the exact same thing that took me from a small-town kid from Milwaukee Wisconsin in 2005 moving to Las Vegas you know at one point being homeless working odd and end jobs having a vehicle repossessed you know I can remember at one point renting an apartment or it was actually renting a room out of an apartment the bedroom was the size of a closet a sleeping closet and I slept on a cop but you know it was it was information is what separated me or propelled me to be in a position to now build a multi-million dollar company in under three years I'm gonna give you that information here today you know so one of the things that I've always learned is that there's such a huge misconception about credit you know we don't understand it it's not being taught in schools you know our grandparents used to tell us credit was taboo you know so hopefully by the end of this you know we'll be able to not only dispel some of those kind of taboos and myths that you know you may have grown up or heard and different things like that but but educate you to let you know that you know credit it could be a good thing you know credit has pretty much runs the world I mean currently right now you can't get a decent job without them running your credit score your insurance rates they're running your credit score obviously to buy a home to buy a house an automobile or whatever the case even or in an apartment they're gonna run your credit score so you know I really want you to just dive in and take heed to this information that I'm about to share with you because it's not only been life-changing for me but it's changed the entire trajectory of my entire family being able to to help families all across the country purchase their first home purchase that first automobile without a cosigner be able to get that credit card that they've always wanted to be able to start that business you know so I don't want you to take what I'm about to share with you for vain for granted because this information has changed lives all across the country you know I can remember prior to moving to Las Vegas I had a mentor who taught me he said we'll eventually credit will become the new dollar of course I didn't know what that meant at the time but you know once I got to Las Vegas I quickly found out couldn't get an apartment by myself of course have to call home and that's relatives to co-sign for a vehicle Here I am 20 plus years old asking someone to co-sign for a vehicle and I'm calling myself a man so I knew I had to do something you know I got sick and tired of being sick and tired and so what I was able to do was find out that the reason all of these things were happening was my credit you know you it's hard to have a decent life a good lifestyle without a solid credit score and understanding credit is so much more than just being able to purchase things but it also puts it positions you to be in position to live life a little bit differently did you know that credit can indirectly determine the school zone that your kids go to school in that you know credit can determine whether you can get student loans or not for your parents who are trying to you're ready to send your kids to college that you know credit is now starting to be used as a barometer for you know life insurance companies they're trying to figure out a way to leverage credit as a means for someone to get a proof of life insurance and we all knows and we see all the detrimental things that happen when someone in a family doesn't have access to proper life insurance we're doing GoFundMe and different things like that but understanding that if you had that good credit not only you know would that not be an issue but if you did need to leverage your credit to be able to send your family out on a proper burial you would be able to do so you know to be able to - oh as always say at minimum you should have access to at least $10,000 worth of credit at your disposal it's just in case of credit as I call it you know because we understand life happens you know life happened to me many times throughout my journey well when I moved to Las Vegas you know being able to determine whether you know I can have any extracurricular activities go to the movies or different things like that because you know one of the things that I've vastly started to learn in my question in rebuilding my own personal credit is that people view you and respect you a little bit differently you know when you walk into a dealership with an 800 credit score you're now mr. Roundtree you know they're asking you hey what else can I give you and believe it or not they're throwing in things free car mats free you know car washes for life or whatever the case is because they want you to be a repeat customer from purchasing a home standpoint when it's whether it's a residential presidency you're gonna get the best rates you know whether you're a real estate investor you're trying to start a business matter of fact as a business owner for all my entrepreneurs out there your credit is the lifeline to your business you know you're always gonna have to leverage your credit in some form of capacity you know you want to go out there and start that restaurant guess what you're gonna need what a building to get that building what are you going to have to do you're gonna have to provide them your a personal guarantor of what your credit looks like in order to even qualify for that building and this is just ELISA you're not even trying to buy it you know so understand that credit is so much more than the taboo things that people have taught us about you know you know around my household we were taught that credit cards were bad there's a devil Woodman you know all these different things but one of the things that I learned is that having access to a checking account could be bad I know people that burnt every single Bank in a city that they live in they had to move to the next town so it's not that the credit cards are bad as people who are irresponsible and a lot of it just has to boil down to we weren't taught these things we weren't taught these principles you know they say what separates the wealthy from the unworthy is information but they're not only that information you want to apply that information so hopefully you're going to apply everything that I'm about to dive into right here about you know how to get the perfect credit score so now the first thing that you want to do is before I jump into it you want to get out of denial you know I've talked to so many people across the country who are scared to look at their credit reports you know I know people who who you know tap into the underworld if you understand what I'm saying and they're more afraid to look at their credit report then the street life you know I know people who conquered and done all types of things that are on most people bucket lists but they're scared to look at their credit and understand it can be it can be you know scary it can be daunting it can be intimidating mainly because it's foreign to a lot of us you know there is no class in school that teaches you about credit you know I find it unbelievable that you can get a quarter of a million dollars in student loan money but you can't get a ten thousand dollar business loan you know so this is the information that you know I'm going to give you today the information that's changed my life and the people's lives around me so I hope you're locked in I hope you have your pins and pads and as they say a short pencil is better than a long memory but in my case a marker so let's go ahead and hop into this so how to build a perfect credit score so understand that credit is really just a three-digit number that pretty much dictates our lives you know a the other thing that I really want people to know is that you know understanding that credit doesn't have to be scary and a lot of it just has to do with is because we don't know how to use it we don't understand the purpose of it for so going back to understanding one of the first steps of what I had to do which it took me two years to position myself for this information so everything that it took me two years to do I'm about to give you right now so you guys are kind of getting the cheat notes of what position need to be in a position that on there to build a multi-million dollar company all off leveraging perfect credit so pulling your credit score one of the very first places that you want to do well one of the very first things that you want to do understand a lot of people don't know that the three different credit bureaus there these are three different entities well first of all let's break down credit bureau a credit bureau is not a government agency and believe it or not a lot of people think that they don't have any jurisdiction or or any rights from a legality standpoint in relations to government relations all they do is they house and sell our information did you know credit bureaus make billions of dollars a day off of our information so pretty much all there is is a data dump they're a hub for our information so for those who don't know there are three different credit bureaus you have experience you have Equifax then you have trans Junior three different credit repositories three different parts of the country now the reason this is extremely important is because I want people to understand you can have a seven hundred credit score on Experian a 600 credit score on Equifax in a 500 credit score on TransUnion true story I actually seen this believe it or not you may ask why is that the case well because these three do not talk to each other they're not related to each other in any shaped form of fashion but what happens is is when you go out and get credit the creditors they have the right to send the information of your payment history to any one of these so they may not report everything to all three bureaus they may only report to two credit bureaus or let's say you're on the latter end of that and you have a count that goes to debt or goes to collections that collection agency may not report to all three bureaus they may only report to two of them let me only report to one so understanding and the reason I point that out is because you know there's a lot of places where you can go and check your credit but understanding that you want to make sure that you're going to pull a comprehensive report a three and one credit report a three and one credit report is going to give you a breakdown in a composite overview of all three of these credit scores all three of the different credit repositories to see the information that they're reporting the reason that's important the last things you want to do is you're at the closing table getting ready to close on that beautiful first home that you're about to purchase and then something pops up on your Equifax and they pull your Equifax score so again one of the things about having access to credit monitoring which is what I recommend and that's the only way you're going to get your credit reports is that it's an investment you know what if it did cost you 30 bucks I mean if it costs me 300 bucks a month I would pay for that to have a peace of mind we pay for things every single day that brings us zero return on our investment how many of us are paying for cable television I spoke to a client he said his cable bill was three hundred and fifty dollars a month and I said that's to watch television so you know we pay for things all the time we need to understand that getting access to our credit information is really just an investment you know now also understand a lot of times people ask well how do I get my free credit score you get what you pay for you know so in this case you want to go out and invest and get an actual report that's going to give you all the information because there are some free reporting agencies or credit monitoring services out there but keep in mind those are just consumer reports when you're looking to position yourself for any type of financing whether you're trying to buy that house whether you're trying to lease that vehicle or whatever the case is you want to pull an actual FICO score to pull that FICO score yes you will have to pay for that so again let's not always look for the freebies even though this information I'm giving you is complimentary so but in this case you want to make sure that you're investing not only in your future but for that peace of mind so let's go ahead and jump into some of this life-changing information all right so what makes up a credit score all right so what makes up a credit score there's a couple different components okay now I'm going to go in sequential order based upon the importance because just knowing these five components you can literally instantly improve your credit score overnight you know I look at thousands of credit reports a month and one of the things that you know is a common you know question is that how do I increase my and again it's the lack of information but then once you get the information you want to make sure that you apply it so hopefully that hopefully you apply everything that you're about to learn here so the first thing is payment history your payment history is extremely important understanding payment history is 35% of your score 35 percent of what makes up your credit score this is the largest component of what makes up your credit score now you may ask what's payment history it's the ability to make payments on time meaning you get a credit card you have an automobile you have your mortgage or whatever the case is you have to make your payments on time every single month one late payment meaning a 30-day late can drop a score of 50 to 100 points so that can be the difference from going from a 700 to a 600 literally overnight because life happened we understand life does happen in relation to dealing with your credit because you're on vacation you're at a wedding or whatever the case is and you forget to send in that 15 dollar credit card payment so your credit card company next thing you know it's a 30 days past due and then your score just dropped then you don't know why or you maybe one who didn't believe in having access to credit monitoring and you didn't even know your score dropped so again is vitally important because this can be corrected you know so one of the things that you can do if you did get a late payment is the power of the goodwill letter basically a goodwill letter is in layman's terms you're reaching out to the company and asking in good faith are they willing to reverse this 30-day late payment for you and if so that score will go back up to or you will see an increase in your score now I may not go back to the original score but if it went back and you know you were sorry seven points you're still winning so that's the thing that I really want you to look at now also understand in relation to that goodwill letter now if you got seven eight nine ten plus late payments on that one account the odds on getting those removed are pretty slim to none so this is mainly used in the event if you know life happened you had a slip-up so understanding payment history vitally important next is your credit usage now credit usage 30% of your credit score now when I saw this again this information changed my life when I saw this information right here just these two components I was like men this is the two biggest challenges on my credit report I had a bunch of late payments and my credit usage was out of whack what is credit usage so credit usage or credit utilization or what is also commonly referred to is and let's draw this out for you you know I'm a visual person so let's say you have a credit card for $1,000 okay you use $800 of it your credit utilization is 80% of that thousand dollars now your credit usage or credit utilization is only based off of revolving credit so you may ask what's revolving credit okay again this is this is life-changing information so because a lot of people don't know the difference between the types of credit you have revolving and then you have installment all right revolving with the credit cards department store cards or anything that has a revolving balance installments would be an auto loan your home loan your student loans anything that generally has a fixed payment is going to be an installment so from a credit utilization standpoint it's only going to be based off of revolving credit hence if you only have a thousand dollars worth of revolving credit and you use $800 of it you are 80% now credit utilization being 30% of our credit score you also want to understand or I don't think it's a coincidence that you never want your credit utilization to exceed 30% okay meaning 30% of this thousand dollars is $300 so for what for so for everyone out there who has credit cards what I want you to do is factor and figure out and calculate how much revolving credit you actually have reporting and divide it by three that's what your credit limit actually should be now there are some circumstances yeah you're going to exceed 30% but understand that now you know how to play the game properly understanding that okay if I go over 30% my score is going to decrease but at least now you have the information and know what to do to get it back under the 30% so that's your score can go back up so now one of the biggest things that I see with people are my or my people who say you know what I don't like credit cards because again this is based off a strictly revolving credit which mostly is credit cards because the department store car is also in the family of a credit card so for those people who don't believe in credit you know again Big Mama told us credit was bad or whatever the case is and you have a $500 secured credit card and that's all you have okay now some of these secured credit cards not all when they first send you a card they take fees out immediately or it may not be a secured card and if you don't know what a secured credit card is it's when you put your money until almost like a savings account and they give you a credit card for that amount of money that you put into the to their bank which generally most people start with about a $500 secure credit card now for some of those what we call C and D tiered credit cards generally people who are rebuilding their credit you may get a proof with three to five hundred dollar credit card then they're going to take out all of their fees and by the time you get that credit card you have $100 on that car because they may have taken four hundred dollars in fees so what just happened your utilization just decreased 90% again what you don't know can hurt you so now that you know or as I say well you know better you do better so we're gonna help you do better and understanding why you want to have access to credit because life happens going back to this scenario you have a thousand dollars worth the credit life happens your brakes Wow you have to get the kids braces or whatever the case is credit is that emergency lifeline because some people don't have an extra eight hundred dollars laying around in cash they say the average family has five hundred dollars in their savings account now again I'm not saying credit is to be used as cash again it's a form of leverage but in this scenario because we understand that life can happen if you have access to credit you're able to make sure that life continue on without skipping a beat so again in this scenario you have an $800 scenario or $800 situation your credit score just dropped just for doing what you have to do anyway so that's why I always tell people you want to at minimum have access to ten thousand dollars worth of revolving credit because then if life happens and you have that $800 you know situation now you're only had 8% guess what happened it didn't affect your credit score so understanding that having access to credit is the first of all the quickest way for you to build your credit score to have the perfect credit score in when you're going out there trying to apply for things banks gauge in in in in in in an underwrite your application based upon the amount of credit you have you know so if you're trying to buy you know that first you know home residency for you and your family and the dog and two kids to have the white picket fence you know the story that they sold us when we were growing up in school in that home is let's say a quarter of a million dollars you know that's probably about the average selling price for a home across the country now if all you have is a thousand dollars worth of credit why would a bank want to give you two hundred and fifty thousand dollars towards that property you need to be able to show them that you are credit worthy so that's why another reason why having access to credit helps to position you from a credit profile standpoint that's one of the things I really also want to get past you understand it's not about the credit score I'll talk to people every single day hey I want to 800 credit score well 800 doesn't mean anything it's about the information that's in there and again very information is exactly what I'm giving you guys right here right now so definitely hope you guys are still locked in with me so if you notice you know those two things again are the largest component these two these two situations or these two components of how to get the perfect credit score today make up 65% let me write this down I really want you guys to see this the power of this 65% of our credit score are just the two tricks or tips or bits of information that I gave you just right here just right now now if all you did was focused on those two things literally you can improve your credit score within the next 30 to 45 days no magical information no magical P loss I say no kool-aid to drink but with information information that they've kept away from us you know I can remember been in in college I did you know two years in college and so I can remember being in my economics class and asking my teacher cuz he brought up a point of something about you know he has several failed businesses and he gave up and now that's why he's a college professor so I remember raising my hand and I said mister so-and-so so you can't teach me to be wealthy he said well I don't think I can do that and I dropped out of college you know I wanted to follow people who were successful and at that time my professor was not successful but I guarantee you if he had information like this he wouldn't have felt that way because he felt broken maybe he felt you know you know he couldn't get access to some capital to continue his business usually the number one reason most businesses closes their undercapitalized and if you remember at the beginning of this I mentioned your credit is the lifeline of your business that's why you can have wealthy successful business owners and entrepreneurs who file bankruptcy multiple times but they don't miss a beat because they understand this information again information that we hadn't been taught and I remember in my economics class there was no chapter or section about credit there was no chapter or section about finances it just gave us theory it talked about stocks and how the stock market created in a great depression in all those things that gave me no benefit of what I'm doing right now so 65 percent of what makes up our credit score is what we just covered okay so a couple different things new credit one of the next components of how to get the perfect credit scores you got to get new credit I talk to people all the time they say well how do I increase my credit score you got to get access to new credit now I get it it's good it could be a catch-22 well how can I get new credit if my credit is bad understand that's why you want to seek out mentors you want to have someone who's a expert that's why you're here getting this information so now you can become an expert you position yourself with the knowledge to be the expert of course at least within your immediate circle so getting access to new credit is the fastest way to increase your credit score understanding there's a couple different ways to increase your credit yes you can get secured credit cards all right you can get unsecured credit cards oops now basically the difference between secured and unsecured credit cards secure credit cards again as mentioned that's when you're putting your money into a bank and they're going to give you a line of credit on that credit card based upon that dollar amount unsecured means that they based upon your credit profile your debt to income ratio and all of those different things they're going to give you a line of credit that you have to pay back every single month but no matter which one you go at keep in mind you want to make sure that you keep your payments on time all right another thing you can do is using authorized users all right you may ask well what's an authorized user there's a couple different terminologies out there for it you have trade lines you have piggybacking which is an old mortgage term but alter i's users can be a very effective way to increase your credit score's literally within the next 30 to 45 days how do you get access to an authorized user essentially what it is is you have a family member a friend a co-worker whoever so obviously who has to trust you who has good credit and they have a credit card in good standings so what happens is is they can call their bank their institution their financial lender and ask them to add you on as an authorized user to that credit card now you don't get the credit card you know if that's what you're thinking or for those who are saying you know what I was thinking about doing this for a friend or relative or whatever I don't want them to have access to the card you can tell the institution no I don't want a card mailed out or have it shipped to your home address the person who the credit line actually belongs to and what happens is is that all that information on that credit card that's been in good standings for the past X amount of years now goes on to your credit file so now it took you from having only that thousand dollar credit card line and so on with the ten thousand dollar credit card line adds you as an authorized user now you have over eleven thousand dollars of revolving credit again instantly boosting your credit score depending on where your utilization was that but then also put giving you a stronger credit profile again what banks look at they look at credit profiles so now couple caveats with authorized users one you want to make sure they have no late payments all right secondly you want to make sure that they're at ten percent balance of the car okay the reason being at a ten percent balance is important is because if they're thirty percent and let's say you're already over thirty percent based upon the accounts that are actually reporting on your profile that are yours it's going to throw your utilization out of whack and it pretty much did nothing for you you know I had a scenario where I had a client who asked his father to Adam owned as an authorized user he called me he was really excited and said well my dad has a credit card fifteen thousand dollars it's a about twenty five years old and I'll say great what's the limit what's the balance on it he said fourteen thousand nine hundred ninety nine dollars and seventy six cents so I quickly told him that would not be a great idea because that credit card was maxed out at a ninety nine percent credit utilization if he would have added that guess what would have happened his credit score would have plummeted but again he wouldn't have known that if he hadn't had access to this information and I see people make that mistake come I see people make that mistake all the time they assume just because someone has a high credit card limit that it's going to help their credit score but keep in mind if it doesn't fit in the criteria where they don't have any lights and the balance is less than 10% you pretty much did yourself a disservice and sometimes fighting with the credit bureaus it can be a headache trying to get those things removed off the credit report it's almost like you have to prove to them that this is not mine even though it's not yours so so yes so authorized users definitely can be used as a benefit but understanding how to use them effectively is extremely important okay so next thing credit mix or a mix of credit what is mix of credit your mix of credit is all of the things that you can apply for that make up your credit profile so you have your your auto loan you have your home or mortgage you have your revolving credit you may have a personal loan you may have student loans you may have you know a let's see in some cities in some states they actually report your utility bills so utility bills all these things can report on your credit report and would be a mix of your credit now understand if all you had was revolving credit meaning only credit cards reporting your credit profile is not that effective I'll give you an example did you know there are three different credit scoring models based upon what you're trying to get approved for that this is what this looks like will you go to buy a home there's a credit scoring model that they use to calculate your credit score specifically to purchase a home when you go and buy a car there's a credit score your FICO score gauges differently based upon your auto loan score as I call it meaning you can have a 700 50 plus credit score but if you've never financed an automobile they can cap you on how much of a vehicle they're going to loan you or how much money they loan you for a vehicle usually it caps out right around about 15 to 20 plus thousand dollars so now you can have a 690 credit score but let's say you've financed two different vehicles over the the life of your credit profile and you had great payment history you will get sometimes a better rate and be approved for more money for that auto loan even though you have a 690 and the other person has a 750 so understand how your credit score's based upon where you're trying to apply for it's gonna you know gauge a little bit differently lastly of course you have your credit cards and revolving credit they have a different you know algorithm of how they gauge or credit profile and did you know you can have a 790 credit score and not get approved for a credit card again because your credit profile your mixture of credit makes a huge difference and whether they want to borrow money to you because again the reason it's harder to get a proof for a credit card versus an automobile or a home is that these are hard assets so if you stop making payments what can they do they come and take the house and take the car but with the credit card banks have to protect their interest some kind of way because they can't come back and take something now of course they can cut you off with your credit line but by that point you win and probably squander at the credit line so you know one of the things that banks do is they you know scrutinize your credit report to make sure okay this person is credit worthiness or they have enough credit worthiness for me they extend them this $5,000 line of credit or this $5,000 credit car so what they do is they look at a couple of different variables from a standpoint when you're trying to get an approval for a credit card of course they looking at your mixture of credit but then they also look at your high limits of your credit your your balances of your credits how often you carry your balance they even want to look at how old your credit profile history is let's say you just started being approved for revolving credit in the past two years it may not weigh as heavily as someone who's been utilizing revolving credit for the past ten years so all those things you know going to play when getting an approval but as we talked about in this particular scenario it's all about the mixture of your credit it's vitally important because again having a strong credit profile is how you go out there and unlock as I call it the bank's money that's how you go out there and leverage your credit okay so one of the very last ingredients about what is going to take for you to build a perfect credit score it's actually kind of covered in one of the first topics but it's the length of your credit history length of credit all right you may say what do you mean by the length of credit all of our credit profiles has age of time meaning from the very first time you had credit extended to you that's when that clock starts and then it goes on infinitely until you know you decide you no longer wants to apply for credit so now keep in mind the newer your file meaning let's say you just started building credit in the past two years your scores that your profile may be a little bit weaker than someone who's had a 10-year credit history run as I call it so the length of credit is vitally important now you may also say well what do you mean by the length of credit or how does that hurt me or help me or whatever the case is I'll give you an example so let's say you have 10 years of credit history and then you say you know what it's time for me to go out there and start building some new credit but your credit is not in position you know understanding it's a difference when you're trying to apply for credit when it's in position versus when it's not in position so when it's not in position and your credit file is ten years old you're going out there and apply for a bunch of credit cards and you're getting none but denials what's going to happen is you're going to get what's called credit inquiries meaning every time they pull your credit or check your credit it's gonna be like a demerit on your credit profile letting the bank's know hey this person has tried to apply for credit but when you get deny it's that much more detrimental to your overall credit profile but hints what it also does is that it brings your length of credit history down let's say you do get approved for that $300 credit card so what's going to happen is they brought your average age of your file down so it's really important to understand first of all the length of credit history is important but also that you know you want to make sure that you're not just going out there going on a credit card binge you want to make sure that first of all you've edited yourself on what banks and underwriters are looking for to even be approved and then I also see this happen a lot when people are going out there automobile shopping did you know you can get an automobile with a 500 credit score now I didn't say a good automobile so you can get an automobile with a 500 credit score but what comes along with that 500 credit score automobile that you just drove off 29% interest which means for $10,000 vehicle that you probably had to put down $7,000 on the remaining balance of 3,000 your monthly payment is going to be two hundred and eighty dollars over the next three years now you can do the math on that as he you just pay for this vehicle probably about four times over so understand that when you don't have bad credit having bad credit is expensive I'll just flat-out tell you but with this information again that's done wonders for my life has been able to position me to travel the country you know I was fortunate enough to do a 25 city tour with my partner last year too when we went into communities and literally the exact same thing I'm doing right here on this white board we were able to do for them outside whether it was raining whether it was you know 90 degrees and humid you know any weather condition you could think of of course because we criss crossed a country over the span of about nine months and we gave people this information and and now literally what have people come up to me in tears and say you just don't know that you know how much this information has changed me because now we've been able to go from a two-bedroom apartment or seven of us are living to be able to purchase our first home and I mean things like that is what pushes me to continue on on this quest of giving you this information again has been so vital to me and that's helped me you know tremendously over the past ten years again guys this is will Roundtree and and again this is why I made this program you know I wanted to give you guys this information not just so that you can hoard it for yourself list so that you can actually do something with it you know so when you are sick and tired of being sick and tired when you're constantly getting those you know credit card denials when you're constantly having collection agencies call your phone whether you're at home or at your at work you know whether you're you're scared to go to the car dealership because you know you're gonna roll out of here with something that's undesirable based upon your credit score or you may be one of those who know nothing about credit that's okay because we have something no matter where you whet so you know I'm gonna provide you a link somewhere it's I'm not sure it's gonna be up here or down here or whatever but I just want to make sure that you take advantage of this information today you know they said it's no better time than the present so you know take charge today you know and get this information and go ahead and set yourself to like I say open up different doors you know one of the things that I learned is that when you have a strong credit score you walk differently so why not put yourself in position to walk into that dealership more confidently walk to the closing table when you're getting ready to purchase your first home a little bit more confident position your kids to be able to go off to college what strong credit score's just giving you more financial astuteness in helping them excel when they're already getting ready to go to college and if you give this information to them before they go to college I'm telling you they'll be lightyears ahead of most people there and probably even most of the professors so again get enrolled today click the link below or up top or on the side I'm not sure where is it gonna be and let's get started and I'll see you at the top [Music]

Channel: Will Roundtree

Views: 871,271

Rating: 4.8817945 out of 5

Keywords: How to get the perfect credit score, credit, real estate, education, knowldege, credit repair, how to boost credit score, how to get perfect credit, how to, credit utilization, perfect fico score, how to repair credit, business funding, 850 credit score, 700 credit score, tips and tricks, step by step, credit inquiries, credit history, docusign, dotloop

Id: KOyIQF-hmts

Length: 40min 5sec (2405 seconds)

Published: Fri May 11 2018