Sweetie pie, my darling passed away unexpectedly on February 27, 2021. We were diligent about our credit scores paying everything on or before it was due. But since that dreadful day, I am only able to pay my credit card by its due date. I’ve had to use my cc to survive. Thank you for all the tips you continue to share. Blessings to you and your dear husband. Cherish every single moment God gives you💕💞
@@JamesB02 Even though it’s been a year, I’m certain your heart is still crushed. I pray God’s comfort on your life. My darling will be my husband for the rest of my life. Be blessed always🌹
I had a bad credit score and I was denied for everything I applied for but fortunately my colleague recommended me to Leo who helped him fix his credit score too, I’m glad Leo on *Credit Backdoors* came through for me and raised my credit score above 800👏🙏
I used the help of Leo the Credit Repair Expert of *Credit Backdoors* and I have to say Leo have displayed being #1 in class, in my opinion. I appreciate the time and effort he provided getting my credit fixed and back on track, very professional and highly trained and skilled in credit restoration and rebuilding. I strongly recommend Leo to help you fix any credit and debt related issues.
I love listening to you. I’m 73 years old and lost my husband last year so I need all the advice I can get. I don’t do pay pal etc. I just use my checking, cash, or my credit card so I suppose I’m not eligible for your giveaway, but I will continue to watch you. Have a good day and God bless.❤️😊
I had a bad credit score and I was denied for everything I applied for but fortunately my colleague recommended me to Leo who helped him fix his credit score too, I’m glad Leo on *Credit Backdoors* came through for me and raised my credit score above 800👏🙏
I used the help of Leo the Credit Repair Expert of *Credit Backdoors* and I have to say Leo have displayed being #1 in class, in my opinion. I appreciate the time and effort he provided getting my credit fixed and back on track, very professional and highly trained and skilled in credit restoration and rebuilding. I strongly recommend Leo to help you fix any credit and debt related issues.
That’s right! Utilization is KEY with CLOSING Date payment to 1-3%. Love it! I got it … it helped how you broke down the closing vs. statement date! Straight and concise!
So true! For a while I carried high balances on m credit cards, but always had a low score. I had zero lates and could never understand why. As soon as I paid off or paid down (below 30%) of my balance on each card, my score SKYROCKETED. Now I routinely get pre-approved offers for 0% credit cards (0% introductory rates for like 18 months) and now am living the good credit low interest rate life, which is life changing in itself. Such a simple change makes a huge difference!
I have been a very bad financially. Being a single mom juggling so many different things at one time I had no managing skills of my credit. It took me to become much older to understand the responsibility of keeping good credit. I am still a work in progress but I have become much better. I appreciate that you giving the skills that are needed so the younger generation can be better.
Guess what? That journey paid off as I came across the Hintons in their journey. Eight months ago it was between making a decision out of three credit repair companies that was gonna cost me over 150 a month for the deluxe program with my credit situation. It was a godsend tuning into TH-cam as I was down truly down and in dire despair as of what to do being that I was on a limited income disability benefits. I said a prayer in I manifested 2022 I’m only going forward I’m not going backwards and it’s only gonna be bigger and better things ahead and a new year for winning!
When trying to get late payments removed on an active account, if it cannot be verified by the bureaus, do they remove that late payment and show on time payment for that month, show no information available for that month, or delete that account off the credit report? I want to get my late payment history corrected but not sure how disputing with the credit bureaus affects the active account if they cannot verify the information to be accurate, I wouldn't have been able to take them off if not me meeting *WEB INVADER*
A companion of mine alluded me to *WEBINVADER৹NET* promising me he could do large things with my credit. Furthermore, huge things they conveyed! They had the option to eliminate ALL (yes ALL) disparaging things from each of the three agencies. My FICO assessment bounced up 81 focuses to 754. Extraordinary! Furthermore, he pretty much the best to work with ever. He clarified everything plainly and were interminably useful. He's my knights in sparkling shield. I'm renegotiating my home and saving many dollars consistently. I've effectively prescribed him to companions and will proceed to for quite a while to come
A companion of mine alluded me to *WEBINVADER৹NET* promising me he could do large things with my credit. Furthermore, huge things they conveyed! They had the option to eliminate ALL (yes ALL) disparaging things from each of the three agencies. My FICO assessment bounced up 81 focuses to 754. Extraordinary! Furthermore, he pretty much the best to work with ever. He clarified everything plainly and were interminably useful. He's my knights in sparkling shield. I'm renegotiating my home and saving many dollars consistently. I've effectively prescribed him to companions and will proceed to for quite a while to come
Credit score is not something used in all countries though. In France, they determine if you are eligible to get a loan (e.g., to buy a house) based on the ratio between your salary, your expenses and your savings. Basically, if every month you 'burn' all your money, you're perceived as riskier than someone earning less but consistently making deposits to a saving account. I feel in the US people tend to buy things they don't need with money they don't have... The only times I feel one should need a credit is when buying 'big' things (house, car, etc.). Not for a TV. I’m 26 with over 800 credit score, time was put into that to build it up by using this organization
Best smile an personality award forget turo! Nawh jk great info appreciate your energy! Put down momma we all need guidance! Great work giving it back an no higher level of learning but teaching! Keep it up God bless!!
I rarely comment now a days, but I Just want to say thank you so much for sharing the tea 🍵. I understand your smart concept and I'm going to see how this effects my credit score now. My credit score went down by 11 points recently, but you seriously helped me to understand why - utilization % was up too high based on my credit limit 💭💡
NEVER knew about the closing date and its relation to utilization as explained in this video. Every video created on this channel is golden and shares real info that I can always apply to my situation and make it better. Truly grateful to The Hintons for leveling up and actually taking their own money and helping people. They are legit, thorough, and true.
Watched 👀 2x, once to listen👂🏾 and second to take notes✍️. I'm working on my budgeting, savings and retirement portfolio. I'm 47 and wish I had financial literacy early but my family could teach me what they didn't now. Three things I got from this vlog: 1# Pay down your balance and decrease usage to 1-2%, 2# Pay attention to closing date, and 3# This is the year for US to be US. Thanks Monique🤗. Can you do another vlog on current Side Hustles, Please & Thank You!
Just Contact Uncle Tobian he is the best when it comes to credit repair. If you are looking a way to fix your credit/inquiries and collections. He helped me boost my score to over 800+ and all my hard inquiries and collection were also cleared off by him.
God bless the Hintons! Real and relatable information for real people! Your attitude and personality is always a bright light and you serve us meat and potatoes (not just fluffy stuff like so many others). Lots of useful truly helpful information. You do a great job with your editing too! The set looks great, the sound is clear and the little extras you input while editing don’t go unnoticed and really help us to stay engaged. Love you!
I recommend Carl Zayn to those needing effective credit repair service and they did well fixing my report in 12days. I had all negative information deleted, tradelines added and my score got up to 780+ with no hassles.
I love your channel. So my problem is the rewards and sometimes I think I over spend even tho I don’t max it out I still spend at least half so I really need to work on getting my balance down before the closing date. Also listening to your advice has already helped me raise my score over 50 points … thank you for that😊
We love to have fun and what we love more than that is to share this journey with you and bring you everywhere we go in life because together All we do is WIN! AMEN AMEN! I LOVE YOUR DESCRIPTION/ ABOUT IN THE UPPER RIGHT HAND CORNER.... YOU BOTH ARE DEFINITELY DOING JUST THAT. THANKS AGAIN
Here is what I do ...Split monthly payments on ccs Contact your creditors and find out when they REPORT to the bureaus that way you know you can have exactly what you NEED them to report in order to help your file look consistent. This will also help you know when to pay. Credit Card Payment Strategy Place a small bill that you have on each of your credit cards. This way you are able to keep your utilization under 10% AND keep the card open without trying to balance. The bill can be something you pay monthly such as utility, phone, insurance NOT gas or food. The bill that you pay with your credit card, ensure that you have it on auto pay. Then pay your card off each month with the 15day [half] & 3day [other half] trick. Also mentioned below. Pay like this to see a nice reward to your credit score. 15 days before the bill is due, pay half of the balance. 3 days before the bill is due, pay the other half. Don't make any charges 5 days after closing date
Hi Monique, I'm still thinking of how to increase my credit score and other side hustles to pay my credit cards off faster. Please keep the information coming. Thank you , so much.
My interest rate has increased twice in three months because of inflation. I was already on the road to paying it off. But this infuriated me. My limit was increased and I make multiple payments a month I hate they increased my ARP. Pay off your cards every month!!! Taking suggestions for cards with great rewards and low APR.
You are awesome girl. I’ve heard this information before but you explain it in a way that really makes sense and motivates me to get it done! Thank you!
I think this is very noble of you and your husband to help someone else. I don’t use my credit card a lot. I did use it to buy tickets to visit my daughters who are in the army. I have not seen them in over a year. When I use my credit card, I pay the balance off. This time I wasn’t able to as of yet. I did pay well over the amount due. I just moved in an apartment and now have to pay rent that is almost 1k. I did not have to do this before and was able to use my credit card and pay it off. I got the card to build my credit and that of my children so they won’t have it so hard when they get out on their own. Thank you for sharing this information. It’s very helpful.
Just Contact Uncle Tobian he is the best when it comes to credit repair. If you are looking a way to fix your credit/inquiries and collections. He helped me boost my score to over 800+ and all my hard inquiries and collection were also cleared off by him.
I love what you said, "This is the Year for Us to be Great"! Sis, I receive that and thank you for this message. Just started doing what you presented in this video for 2 months now and I have noticed how my monthly payments have began to lower last month. Will continue to follow this until I hit the 1, 2 or 10% threshold balance. It so an advantage to paying towards the balance owe on ccs'in the most possible and efficient way. Thank you as always. Blessings.
Same! Definitely receive the positivity and financial abundance energy from her videos. In the words of Monique, "all we do is win" 🏆 ✨️ Everyone be sure to subscribe, like, follow, & share
I used the help of Leo the Credit Repair Expert of *Credit Backdoors* and I have to say Leo have displayed being #1 in class, in my opinion. I appreciate the time and effort he provided getting my credit fixed and back on track, very professional and highly trained and skilled in credit restoration and rebuilding. I strongly recommend Leo to help you fix any credit and debt related issues.
Thank you for all the time you spend to offer us very informative tips and information. It has helped me and my family tremendously. I'm a single parent with one source of income. So, needless to say it's been a struggle, especiallyhere lately. But listening to you has helped me form and execute a plan to get out from under all this credit card debt. I have a ways to go but thank you for a great head start.
I watched until the end and found I REALLY did need this information. I used to have about 11 credit cards at once and learned to juggle them until I ended in bankruptcy. It has been about 13 years later and I have recently gotten another card, just one. I have a 5K balance and already my balance is 2K even. I must stop and take action before this once gets out of hand. Thanks for your information and concern for your viewers. Be blessed. :)
I love the help I achieved from Mr Carl Zayn Company as they expunged all my negative information raising my credit score points +200 in 14 days. I have since then purchased my new home and looking to start my trucking business.
Credit repair can be very tedious except using a fast deletion program, I started fixing my credit report with the help of Carl Zayn and got my credit rating I have always dreamt of having. All hard inquiries, collections as well as late payments have all been deleted permanently all thanks to him.
Thank you my sister for this info! Just started following you because you really spoke to me! Down to earth and in a way I can understand! My God continue to bless you and your husband and I pray for an early recovery to my debt also
Awesome information, we are currently working on credit card debt at age 59. Grateful for your insight and willingness to share with your audience. You have a new Sub🙏🏾
I definitely need to see the maximum growth with my credit score and that's why I have been working on paying my credit card down low so it can be at the 1 to 30% usage.💸
If you are looking a way to fix your credit/inquiries and collections. He helped me boost my score to over 800+ and all my hard inquiries and collection were also cleared off by him. Just Contact Uncle Tobian he is the best when it comes to credit repair.
Hi Monique! Thanks so much for all of your great informative advice you share with us. I've been following you for several months now and I've learned so much it's crazy 🤪. My hubby and I haven't been paying our credit cards correctly apparently 🙃. So with this video we are definitely going to be following this from this month forward and God willing by next month or soon we can start seeing some changes hopefully 🤭. I appreciate you 🙏 many blessings to you and your husband.
I had a bad credit score and I was denied for everything I applied for but fortunately my colleague recommended me to Leo who helped him fix his credit score too, I’m glad Leo on *Credit Backdoors* came through for me and raised my credit score above 800👏🙏
I used the help of Leo the Credit Repair Expert of *Credit Backdoors* and I have to say Leo have displayed being #1 in class, in my opinion. I appreciate the time and effort he provided getting my credit fixed and back on track, very professional and highly trained and skilled in credit restoration and rebuilding. I strongly recommend Leo to help you fix any credit and debt related issues.
Just by watching your videos I have gotten my score up 160 points. I am a single mom of twins and this means the world to me because I will be able to buy a home for Us!! Keep sharing this free content I love it !! My utilization is 21 percent my goal is to get it to 10 percent so I can get this pre approval letter and not have to renew my lease. Trusting God and thank you again!!!
Hi Monique🤗 Blessings to you and your husband for all that you do!!! We appreciate you and know that your work is definitely making a difference. I've been a long time subscriber and getting to utilize every tip that I find applicable to my situation. I've hit really hard times and your support will go a LONG way 🤗 I know and trust that this year I am winning! Keep up the fantastic work 🙏🏾 $PrincesNJ
I had a bad credit score and I was denied for everything I applied for but fortunately my colleague recommended me to Leo who helped him fix his credit score too, I’m glad Leo on *Credit Backdoors* came through for me and raised my credit score above 800👏🙏
I used the help of Leo the Credit Repair Expert of *Credit Backdoors* and I have to say Leo have displayed being #1 in class, in my opinion. I appreciate the time and effort he provided getting my credit fixed and back on track, very professional and highly trained and skilled in credit restoration and rebuilding. I strongly recommend Leo to help you fix any credit and debt related issues.
Thank you for making these videos. They have been helping. I started my credit journey from bad credit . Still not where i want to be but getting closer daily. I appreciate u
prevented me from getting a mortgage until I starting looking for help. After he finished working on my REPORT in just 7 days, my CREDIT SCORE increased to 780, all the negative items on my REPORT were deleted permanently and he added good trade-lines to boost my credit mix (Mortgage tradelines, Installment tradelines, Revolving credit cards and Auto tradelines) on my report, I got the mortgage and that was phenomenal! *Swift Cyber Hacktivity*
I have 2 chapter 13’s that are dismissed. The reason I have 2 is bcz I did not use an attorney. I was trying to stop an eviction, but when I went to try to add another month’s rent to the bankruptcy, but the guy filed another one. About a month later, I ended up losing my job. They are scheduled to fall off in January and March 2021. Since I’m looking to purchase a home soon but still there. I am currently enrolled with them and I must say, I am loving it thus far. I’m doubling it up with your podcast videos and learning A LOT! Thank you. I’m ready to join the millionaire club!!!
Awesome awesome Video!! Thanks so much for helping us all win! Very informative and will definitely do as said. Me and my husband has come to the conclusion to fix our credit so that we can purchase a home. Thank you so much!
I've been wanting to send a love offering, however a hit and run while my car was parked in December has interrupted my cash flow. I drove for uber and now rent cars to earn income. I said that to say I signed up with Sesame. I hope that increases y'all's abundance.❤️
I appreciate how you break down information in your videos. I'm one of those people that needs it explained so that it can sink in. It's less frightening when I can understand it better. Thanks for all you do!
He helped me boost my score to over 800+ and all my hard inquiries and collection were also cleared off by him. If you are looking a way to fix your credit/inquiries and collections. Just Contact Uncle Tobian he is the best when it comes to credit repair.
Thank you for the information..I appreciate you and your husband's caring heart. I'm just seeing this video so I know I'm late but it doesn't matter because the information I have received from watching your video is priceless..Thank you again. GOD BLESS SEE YALL AT THE TOP
Ms. MoniQ THANK YOU for sharing concerning payment closing date info!! Chile!! God bless you and yours!!!! Hunty!! I really need this info. A Credit Counseling agency rep wanted me to sign up instead of saying what is what. Shucks and then here you come!!! Much appreciated!!!
Thank you so much for these videos!!! They have been “Amazing”!! I have been sharing them with my daughter who just graduated from college. This has been such a blessing for me because it’s positioning me to get ready to purchase my first home. I didn’t know where to start to fix my credit after my divorce, but now I have a place to start, so THANK YOU!!!
I follow this method! I totally get it! I pay based on my due date and statement is about 3 days after due date! That reporting/statement will have you at 800 FiCO score in no time! I pay twice a month and yes 1% is it!
I’ve been paying the full balance off, not just the statement balance, for a while now and it has boosted my score a lot! And I only make a payment on my closing date because my statement balance is always 0 which means I don’t owe anything on my due date. And like you Monique, I use my card for EVERYTHING! Good video!!
Thank you Monique. I always pay more than the minimum and when possible I try to pay on full. I didn't know about the closing date and was frustrated because my credit score wasn't going up; however, now I see the light and appreciate you showing it to me.
He helped me boost my score to over 800+ and all my hard inquiries and collection were also cleared off by him. If you are looking a way to fix your credit/inquiries and collections. Just Contact Uncle Tobian he is the best when it comes to credit repair.
Thank you 🙏🏾 I had gotten behind on credit card bills when I had lived in California. After two years I’m finally showing good history so tips like this helps! ❤️
Contact Uncle Tobian he is the best when it comes to credit repair. If you are looking a way to fix your credit/inquiries and collections. He helped me boost my score to over 800+ and all my hard inquiries and collection were also cleared off by him.
Thank you for that very informative information. I do may 2-3 payments on my card but I didn’t know it should be done by billing date instead of due date. I appreciate you for that information. Blessings on blessings to you and yours!🙏🏾
Thank You for sharing. I was enlightened bc I did not know that how much you’re paying and paying your credit bill off by a certain time actually helps your score in the long run. Having credit debt is overwhelming at times and should be managed according! I believe living in my truth and paying debt is honorable. Keep helping America bc this pandemic has been unbearable for me and many! Thanks again.
I always feel that these lessons should be taught in school. Sadly, they’re not and it’s because they want people to continue having bad money habits and stay poor. But what I’m not quite understanding is for example, my due date is on the 18th of every month and the closing date of that credit card is on the 21st of every month. Obviously I pay before my due date but I don’t have enough time to make a second payment by that closing date. So what I normally do is pay down my balance to at least 5% or less before the due date so come the closing date 2-3 days later when it gets reported to the bureaus it will reflect that it’s down to at least a 5% utilization. But for some reason, at times my score drops several points which is frustrating. And the reasoning I usually get is because I paid down my card by so much. So, for example, a $6000 credit limit has a $650 balance. I pay off $500 and leave myself with $150 balance but my credit score still drops. I wonder why.
Good morning, I just viewed your video. I looked at my credit card statement I see where the open and close date is. Would that be the date that I pay my bill before in order to be effective at the bureau ?
Wow! I really feel like I am "winning" with all the info you've shared on your channel! Keep it coming bc you are helping me and my family, plus all those I share your videos with!!🧡
I just happened upon your channel and this caught my attention. Years ago I went down the credit card rabbit hole and was severely burned in the aftermath of the MCI/Worldcom fiasco! I vowed I would never do credit cards again. Fast forward to now and, while I do have credit cards and maintain a decent credit score - I would like to push it to the next level. I do try to maintain my balances under 30% utilization and do the multiple payments when/if necessary. Thank you for this information and, yes - you are making this CRYSTAL CLEAR. I will be sure to look for the closing date so that I am posting payments by that date AND look for new videos!
I am making good financial moves getting my new home after fixing my poor credit using Carl Zayn Company services, They cleaned my report and I have just been approved a FHA loan. I advice you all to make use of this expert before trying to purchase a home.
Great video! It is a shame they do not teach this in schools, starting at a young age. I know I would have benefited from knowing more about financial education. Thanks!
You have opened my eyes and filled me with knowing how to get the best score possible. What a blessing you are. Keep being a blessing and blessed. Thank you have a blessed day.
If you are looking a way to fix your credit/inquiries and collections. He helped me boost my score to over 800+ and all my hard inquiries and collection were also cleared off by him. Just Contact Uncle Tobian he is the best when it comes to credit repair.
I always focused on the due date. This changes things. Thank you for increasing my knowledge. This information should be a part of a high school course for students. We would have less students in debt. $AllegraLockett
![[LIVE] MCHOICE & MINT AWARDS 2024 at TRUE ICON HALL, ICONSIAM](http://i.ytimg.com/vi/wMewUeT5nbY/mqdefault.jpg)
Sweetie pie, my darling passed away unexpectedly on February 27, 2021. We were diligent about our credit scores paying everything on or before it was due. But since that dreadful day, I am only able to pay my credit card by its due date. I’ve had to use my cc to survive. Thank you for all the tips you continue to share. Blessings to you and your dear husband. Cherish every single moment God gives you💕💞
@ Honey Reynolds, my condolences to you my dad unexpectedly passed on the same date which was a week after his birthday, take care God bless
@@JamesB02 Even though it’s been a year, I’m certain your heart is still crushed. I pray God’s comfort on your life. My darling will be my husband for the rest of my life. Be blessed always🌹
@@honeyreynolds5361 thank you
Sending you and your family peace & blessings 🙏🏾✨️
I have been watching yall for months. Your journey has been so inspiring. Got my credit up to 750. Thank you for all the tips and strategies
You is the first person to explain the significance of paying more than one payment and I understand it.
I was saying the same thing!!! I wish when I was in high school they taught us this.
$IamCharlee1
I had a bad credit score and I was denied for everything I applied for but fortunately my colleague recommended me to Leo who helped him fix his credit score too, I’m glad Leo on *Credit Backdoors* came through for me and raised my credit score above 800👏🙏
I used the help of Leo the Credit Repair Expert of *Credit Backdoors* and I have to say Leo have displayed being #1 in class, in my opinion. I appreciate the time and effort he provided getting my credit fixed and back on track, very professional and highly trained and skilled in credit restoration and rebuilding. I strongly recommend Leo to help you fix any credit and debt related issues.
*CREDIT BACKDOORS* ✅✅
He got 33.3k followers on Instagram🔆🔅🔅
I love listening to you. I’m 73 years old and lost my husband last year so I need all the advice I can get. I don’t do pay pal etc. I just use my checking, cash, or my credit card so I suppose I’m not eligible for your giveaway, but I will continue to watch you. Have a good day and God bless.❤️😊
May God continue to strengthen and comfort you.
I had a bad credit score and I was denied for everything I applied for but fortunately my colleague recommended me to Leo who helped him fix his credit score too, I’m glad Leo on *Credit Backdoors* came through for me and raised my credit score above 800👏🙏
I used the help of Leo the Credit Repair Expert of *Credit Backdoors* and I have to say Leo have displayed being #1 in class, in my opinion. I appreciate the time and effort he provided getting my credit fixed and back on track, very professional and highly trained and skilled in credit restoration and rebuilding. I strongly recommend Leo to help you fix any credit and debt related issues.
*CREDIT BACKDOORS* ✅✅
He got 33.3k followers on Instagram🔆🔅🔅
I’m so sorry for your loss. You will see your beloved again❤
That’s right! Utilization is KEY with CLOSING Date payment to 1-3%. Love it! I got it … it helped how you broke down the closing vs. statement date! Straight and concise!
So true! For a while I carried high balances on m credit cards, but always had a low score. I had zero lates and could never understand why. As soon as I paid off or paid down (below 30%) of my balance on each card, my score SKYROCKETED. Now I routinely get pre-approved offers for 0% credit cards (0% introductory rates for like 18 months) and now am living the good credit low interest rate life, which is life changing in itself. Such a simple change makes a huge difference!
I have been a very bad financially. Being a single mom juggling so many different things at one time I had no managing skills of my credit. It took me to become much older to understand the responsibility of keeping good credit. I am still a work in progress but I have become much better. I appreciate that you giving the skills that are needed so the younger generation can be better.
Guess what? That journey paid off as I came across the Hintons in their journey. Eight months ago it was between making a decision out of three credit repair companies that was gonna cost me over 150 a month for the deluxe program with my credit situation.
It was a godsend tuning into TH-cam as I was down truly down and in dire despair as of what to do being that I was on a limited income disability benefits.
I said a prayer in I manifested 2022 I’m only going forward I’m not going backwards and it’s only gonna be bigger and better things ahead and a new year for winning!
When trying to get late payments removed on an active account, if it cannot be verified by the bureaus, do they remove that late payment and show on time payment for that month, show no information available for that month, or delete that account off the credit report? I want to get my late payment history corrected but not sure how disputing with the credit bureaus affects the active account if they cannot verify the information to be accurate, I wouldn't have been able to take them off if not me meeting *WEB INVADER*
A companion of mine alluded me to *WEBINVADER৹NET* promising me he could do large things with my credit. Furthermore, huge things they conveyed! They had the option to eliminate ALL (yes ALL) disparaging things from each of the three agencies. My FICO assessment bounced up 81 focuses to 754. Extraordinary! Furthermore, he pretty much the best to work with ever. He clarified everything plainly and were interminably useful. He's my knights in sparkling shield. I'm renegotiating my home and saving many dollars consistently. I've effectively prescribed him to companions and will proceed to for quite a while to come
A companion of mine alluded me to *WEBINVADER৹NET* promising me he could do large things with my credit. Furthermore, huge things they conveyed! They had the option to eliminate ALL (yes ALL) disparaging things from each of the three agencies. My FICO assessment bounced up 81 focuses to 754. Extraordinary! Furthermore, he pretty much the best to work with ever. He clarified everything plainly and were interminably useful. He's my knights in sparkling shield. I'm renegotiating my home and saving many dollars consistently. I've effectively prescribed him to companions and will proceed to for quite a while to come
Credit score is not something used in all countries though. In France, they determine if you are eligible to get a loan (e.g., to buy a house) based on the ratio between your salary, your expenses and your savings. Basically, if every month you 'burn' all your money, you're perceived as riskier than someone earning less but consistently making deposits to a saving account. I feel in the US people tend to buy things they don't need with money they don't have... The only times I feel one should need a credit is when buying 'big' things (house, car, etc.). Not for a TV. I’m 26 with over 800 credit score, time was put into that to build it up by using this organization
Best smile an personality award forget turo! Nawh jk great info appreciate your energy! Put down momma we all need guidance! Great work giving it back an no higher level of learning but teaching! Keep it up God bless!!
$500 pays off half of my balance!!! You are blessed
I wish I had learned this earlier but did figure it out during the pandemic and paid off all my credit cards raising my credit score to 823.
I rarely comment now a days, but I Just want to say thank you so much for sharing the tea 🍵. I understand your smart concept and I'm going to see how this effects my credit score now.
My credit score went down by 11 points recently, but you seriously helped me to understand why - utilization % was up too high based on my credit limit 💭💡
NEVER knew about the closing date and its relation to utilization as explained in this video. Every video created on this channel is golden and shares real info that I can always apply to my situation and make it better. Truly grateful to The Hintons for leveling up and actually taking their own money and helping people. They are legit, thorough, and true.
After many years, I decided to get a new credit card. I am so glad that I found this video because I needed help managing this credit card.
Watched 👀 2x, once to listen👂🏾 and second to take notes✍️. I'm working on my budgeting, savings and retirement portfolio. I'm 47 and wish I had financial literacy early but my family could teach me what they didn't now. Three things I got from this vlog: 1# Pay down your balance and decrease usage to 1-2%, 2# Pay attention to closing date, and 3# This is the year for US to be US. Thanks Monique🤗.
Can you do another vlog on current Side Hustles, Please & Thank You!
Just Contact Uncle Tobian he is the best when it comes to credit repair. If you are looking a way to fix your credit/inquiries and collections. He helped me boost my score to over 800+ and all my hard inquiries and collection were also cleared off by him.
Awesome word of hope! We are on our way to the 800 club! Keep the faith!
God bless the Hintons! Real and relatable information for real people!
Your attitude and personality is always a bright light and you serve us meat and potatoes (not just fluffy stuff like so many others). Lots of useful truly helpful information.
You do a great job with your editing too! The set looks great, the sound is clear and the little extras you input while editing don’t go unnoticed and really help us to stay engaged. Love you!
I just finished watching for the second time and taking notes. Thank you. I will listen to this again
I like how you all get straight to the point!
for those with bad credit after recommending this clip to learn some knowledge about credit.
I recommend Carl Zayn to those needing effective credit repair service and they did well fixing my report in 12days. I had all negative information deleted, tradelines added and my score got up to 780+ with no hassles.
He is on instagram..
# Geniuscreditrepairs..
@@sharmajai9748 how expensive was it to do it
@@ellie32470 About $700
In the past, I was terrible with paying all of my bills on time. Now, I make sure my bills are paid before the due date.
I love your channel. So my problem is the rewards and sometimes I think I over spend even tho I don’t max it out I still spend at least half so I really need to work on getting my balance down before the closing date. Also listening to your advice has already helped me raise my score over 50 points … thank you for that😊
Management and discipline is key
I enjoy your presentation. I’m a skeptic, I’m elderly I don’t have all of that stuff . So I’m going to miss out on the $500.00
We love to have fun and what we love more than that is to share this journey with you and bring you everywhere we go in life because together All we do is WIN! AMEN AMEN! I LOVE YOUR DESCRIPTION/ ABOUT IN THE UPPER RIGHT HAND CORNER.... YOU BOTH ARE DEFINITELY DOING JUST THAT. THANKS AGAIN
Here is what I do ...Split monthly payments on ccs
Contact your creditors and find out when they
REPORT to the bureaus that way you know you can have exactly
what you NEED them to report in order to help your file look
consistent. This will also help you know when to pay.
Credit Card Payment Strategy
Place a small bill that you have on each of your credit cards. This
way you are able to keep your utilization under 10% AND keep the
card open without trying to balance.
The bill can be something you
pay monthly such as utility, phone, insurance NOT gas or food.
The bill that you pay with your credit card, ensure that you have it
on auto pay. Then pay your card off each month with the 15day
[half] & 3day [other half] trick. Also mentioned below.
Pay like this to see a nice reward to your credit score.
15 days before the bill is due, pay half of the balance.
3 days before the bill is due, pay the other half.
Don't make any charges 5 days after closing date
Hi Monique,
I'm still thinking of how to increase my credit score and other side hustles to pay my credit cards off faster. Please keep the information coming. Thank you , so much.
My interest rate has increased twice in three months because of inflation. I was already on the road to paying it off. But this infuriated me. My limit was increased and I make multiple payments a month I hate they increased my ARP. Pay off your cards every month!!! Taking suggestions for cards with great rewards and low APR.
You are awesome girl. I’ve heard this information before but you explain it in a way that really makes sense and motivates me to get it done! Thank you!
I think this is very noble of you and your husband to help someone else. I don’t use my credit card a lot. I did use it to buy tickets to visit my daughters who are in the army. I have not seen them in over a year.
When I use my credit card, I pay the balance off. This time I wasn’t able to as of yet. I did pay well over the amount due. I just moved in an apartment and now have to pay rent that is almost 1k. I did not have to do this before and was able to use my credit card and pay it off. I got the card to build my credit and that of my children so they won’t have it so hard when they get out on their own.
Thank you for sharing this information. It’s very helpful.
Just Contact Uncle Tobian he is the best when it comes to credit repair. If you are looking a way to fix your credit/inquiries and collections. He helped me boost my score to over 800+ and all my hard inquiries and collection were also cleared off by him.
I love what you said, "This is the Year for Us to be Great"! Sis, I receive that and thank you for this message. Just started doing what you presented in this video for 2 months now and I have noticed how my monthly payments have began to lower last month. Will continue to follow this until I hit the 1, 2 or 10% threshold balance. It so an advantage to paying towards the balance owe on ccs'in the most possible and efficient way. Thank you as always. Blessings.
Same! Definitely receive the positivity and financial abundance energy from her videos. In the words of Monique, "all we do is win" 🏆 ✨️ Everyone be sure to subscribe, like, follow, & share
I used the help of Leo the Credit Repair Expert of *Credit Backdoors* and I have to say Leo have displayed being #1 in class, in my opinion. I appreciate the time and effort he provided getting my credit fixed and back on track, very professional and highly trained and skilled in credit restoration and rebuilding. I strongly recommend Leo to help you fix any credit and debt related issues.
*CREDIT BACKDOORS* ✅✅
He got 33.3k followers on Instagram🔆🔅🔅
YES, I WATCHED THE VIDEO AGAIN AND I WILL CONTINUE TO WATCH. ONE DAY AT A TIME AGAIN I'M ON MY WAY TO SOMETHING BIGGER THAN I COULD ONLY IMAGINE.
Sister Hinton, KEEP THE INFO COMING ma’am. Your investigative reporting is superb. Thank you.
The year for everyone to be great and stay great.🤗
Thank you for all the time you spend to offer us very informative tips and information. It has helped me and my family tremendously. I'm a single parent with one source of income. So, needless to say it's been a struggle, especiallyhere lately. But listening to you has helped me form and execute a plan to get out from under all this credit card debt. I have a ways to go but thank you for a great head start.
I watched until the end and found I REALLY did need this information. I used to have about 11 credit cards at once and learned to juggle them until I ended in bankruptcy. It has been about 13 years later and I have recently gotten another card, just one. I have a 5K balance and already my balance is 2K even. I must stop and take action before this once gets out of hand. Thanks for your information and concern for your viewers. Be blessed. :)
Thank you for this video; ive been struggling with my credit for a while now
I love the help I achieved from Mr Carl Zayn Company as they expunged all my negative information raising my credit score points +200 in 14 days. I have since then purchased my new home and looking to start my trucking business.
He is on instagram..
# Geniuscreditrepairs..
Monique...thank you...thank you...thank you!!!🤗you have done it again!!! Yes I subscribed!! 💖Awesome information!!👏👏
Cash back on your favorite brand sounds great😊
Credit repair can be very tedious except using a fast deletion program, I started fixing my credit report with the help of Carl Zayn and got my credit rating I have always dreamt of having. All hard inquiries, collections as well as late payments have all been deleted permanently all thanks to him.
He is on instagram..
# Geniuscreditrepairs..
Monique the information is very much needed to many. I love watching and learning
Thank you my sister for this info! Just started following you because you really spoke to me! Down to earth and in a way I can understand! My God continue to bless you and your husband and I pray for an early recovery to my debt also
Awesome information, we are currently working on credit card debt at age 59. Grateful for your insight and willingness to share with your audience. You have a new Sub🙏🏾
I definitely need to see the maximum growth with my credit score and that's why I have been working on paying my credit card down low so it can be at the 1 to 30% usage.💸
If you are looking a way to fix your credit/inquiries and collections. He helped me boost my score to over 800+ and all my hard inquiries and collection were also cleared off by him. Just Contact Uncle Tobian he is the best when it comes to credit repair.
Hi Monique! Thanks so much for all of your great informative advice you share with us. I've been following you for several months now and I've learned so much it's crazy 🤪. My hubby and I haven't been paying our credit cards correctly apparently 🙃. So with this video we are definitely going to be following this from this month forward and God willing by next month or soon we can start seeing some changes hopefully 🤭. I appreciate you 🙏 many blessings to you and your husband.
I had a bad credit score and I was denied for everything I applied for but fortunately my colleague recommended me to Leo who helped him fix his credit score too, I’m glad Leo on *Credit Backdoors* came through for me and raised my credit score above 800👏🙏
I used the help of Leo the Credit Repair Expert of *Credit Backdoors* and I have to say Leo have displayed being #1 in class, in my opinion. I appreciate the time and effort he provided getting my credit fixed and back on track, very professional and highly trained and skilled in credit restoration and rebuilding. I strongly recommend Leo to help you fix any credit and debt related issues.
*CREDIT BACKDOORS* ✅✅
He got 33.3k followers on Instagram🔆🔅🔅
Just by watching your videos I have gotten my score up 160 points. I am a single mom of twins and this means the world to me because I will be able to buy a home for Us!! Keep sharing this free content I love it !! My utilization is 21 percent my goal is to get it to 10 percent so I can get this pre approval letter and not have to renew my lease. Trusting God and thank you again!!!
You are totally correct on paying your credit card payment. Thank you for sharing.
Hi Monique🤗 Blessings to you and your husband for all that you do!!! We appreciate you and know that your work is definitely making a difference. I've been a long time subscriber and getting to utilize every tip that I find applicable to my situation. I've hit really hard times and your support will go a LONG way 🤗 I know and trust that this year I am winning! Keep up the fantastic work 🙏🏾 $PrincesNJ
I had a bad credit score and I was denied for everything I applied for but fortunately my colleague recommended me to Leo who helped him fix his credit score too, I’m glad Leo on *Credit Backdoors* came through for me and raised my credit score above 800👏🙏
I used the help of Leo the Credit Repair Expert of *Credit Backdoors* and I have to say Leo have displayed being #1 in class, in my opinion. I appreciate the time and effort he provided getting my credit fixed and back on track, very professional and highly trained and skilled in credit restoration and rebuilding. I strongly recommend Leo to help you fix any credit and debt related issues.
Thank you for making these videos. They have been helping. I started my credit journey from bad credit . Still not where i want to be but getting closer daily. I appreciate u
prevented me from getting a mortgage until I starting looking for help. After he finished working on my REPORT in just 7 days, my CREDIT SCORE increased to 780, all the negative items on my REPORT were deleted permanently and he added good trade-lines to boost my credit mix (Mortgage tradelines, Installment tradelines, Revolving credit cards and Auto tradelines) on my report, I got the mortgage and that was phenomenal! *Swift Cyber Hacktivity*
I have 2 chapter 13’s that are dismissed. The reason I have 2 is bcz I did not use an attorney. I was trying to stop an eviction, but when I went to try to add another month’s rent to the bankruptcy, but the guy filed another one. About a month later, I ended up losing my job. They are scheduled to fall off in January and March 2021. Since I’m looking to purchase a home soon but still there. I am currently enrolled with them and I must say, I am loving it thus far. I’m doubling it up with your podcast videos and learning A LOT! Thank you. I’m ready to join the millionaire club!!!
Awesome awesome Video!! Thanks so much for helping us all win! Very informative and will definitely do as said. Me and my husband has come to the conclusion to fix our credit so that we can purchase a home. Thank you so much!
@@monalisaanderson5780 the money game with Mike.
This was great info. Thank you so much!
I've been wanting to send a love offering, however a hit and run while my car was parked in December has interrupted my cash flow. I drove for uber and now rent cars to earn income. I said that to say I signed up with Sesame. I hope that increases y'all's abundance.❤️
I appreciate how you break down information in your videos. I'm one of those people that needs it explained so that it can sink in. It's less frightening when I can understand it better. Thanks for all you do!
Thank you so much for explaining the statement date
I never paid attention to it now I will keep my eye on it
Thank you again
He helped me boost my score to over 800+ and all my hard inquiries and collection were also cleared off by him. If you are looking a way to fix your credit/inquiries and collections. Just Contact Uncle Tobian he is the best when it comes to credit repair.
That’s very generous of you and your husband. Thanks
Thank you for the information..I appreciate you and your husband's caring heart. I'm just seeing this video so I know I'm late but it doesn't matter because the information I have received from watching your video is priceless..Thank you again. GOD BLESS SEE YALL AT THE TOP
Ms. MoniQ THANK YOU for sharing concerning payment closing date info!! Chile!! God bless you and yours!!!! Hunty!! I really need this info. A Credit Counseling agency rep wanted me to sign up instead of saying what is what. Shucks and then here you come!!! Much appreciated!!!
I'm do my best pay my balance down little at a time I get there
That's why you're blessed to be a blessing
Thank you so much for these videos!!! They have been “Amazing”!! I have been sharing them with my daughter who just graduated from college. This has been such a blessing for me because it’s positioning me to get ready to purchase my first home. I didn’t know where to start to fix my credit after my divorce, but now I have a place to start, so THANK YOU!!!
Best video I’ve seen about credit score boosting. You have ALL the tips, thank you.
Thanks so much to the Hintons for these words of wisdom!!!!!
Showed up a lil late! But now I’m her Thank you. I have shared this vital necessary information with my sons
I follow this method! I totally get it! I pay based on my due date and statement is about 3 days after due date! That reporting/statement will have you at 800 FiCO score in no time! I pay twice a month and yes 1% is it!
Finally getting this credit card and FICO score figured out...thanks for the information.
I’ve been paying the full balance off, not just the statement balance, for a while now and it has boosted my score a lot! And I only make a payment on my closing date because my statement balance is always 0 which means I don’t owe anything on my due date. And like you Monique, I use my card for EVERYTHING! Good video!!
I wish I had taken credit serious early in but it’s never too late!
Your hair is beautiful. I'm needing this information for many reasons.
This is such good information!! We need this! Thank you again for sharing/teaching!!!!
Thank you Monique. I always pay more than the minimum and when possible I try to pay on full. I didn't know about the closing date and was frustrated because my credit score wasn't going up; however, now I see the light and appreciate you showing it to me.
He helped me boost my score to over 800+ and all my hard inquiries and collection were also cleared off by him. If you are looking a way to fix your credit/inquiries and collections. Just Contact Uncle Tobian he is the best when it comes to credit repair.
I have just found your channel, so much great info thanks
I just found your channel and find it extremely helpfull and informative, I'm hooked!
I am so I have been watching you. I had a sesame cash card in which I did'nt know the real value of using it. Thank you for explaining.
Thank you for sharing this important information and educating a seasoned woman. God bless you.
This information will soon pay off. TO GOD BE ALL THE GLORY!
Thank you for this information. I never knew about the closing date. Glad I found your channel!
I just scribe and definitely gave you a thumbs 👍. I appreciate the information very helpful. I'm definitely going to apply this. Thanks again.
Thank you 🙏🏾 I had gotten behind on credit card bills when I had lived in California. After two years I’m finally showing good history so tips like this helps! ❤️
Contact Uncle Tobian he is the best when it comes to credit repair. If you are looking a way to fix your credit/inquiries and collections. He helped me boost my score to over 800+ and all my hard inquiries and collection were also cleared off by him.
Thank you M. Hinton for the breakdown on the statement/closing date... I am going to check on this post haste...Right now!!!!!
This is "The Year for Us to be GREAT!" I receive that 🤗
I just started paying it to 3% but I will go to 1-2%. I'm looking to purchasing my first home for my babies and I. It's been a journey ✨✨✨.
Wow I just start watching and I hate I missed the credit card payment from you and your husband.
Yes indeed! Always good to have discussion with the collector as well. Sometimes their site may not be user friendly
Thank you I got it now
Thank you for that very informative information. I do may 2-3 payments on my card but I didn’t know it should be done by billing date instead of due date. I appreciate you for that information. Blessings on blessings to you and yours!🙏🏾
I love your personality and these are some great tips. Thank you for sharing these information with us
Thank You for sharing. I was enlightened bc I did not know that how much you’re paying and paying your credit bill off by a certain time actually helps your score in the long run. Having credit debt is overwhelming at times and should be managed according! I believe living in my truth and paying debt is honorable. Keep helping America bc this pandemic has been unbearable for me and many! Thanks again.
I always feel that these lessons should be taught in school. Sadly, they’re not and it’s because they want people to continue having bad money habits and stay poor. But what I’m not quite understanding is for example, my due date is on the 18th of every month and the closing date of that credit card is on the 21st of every month. Obviously I pay before my due date but I don’t have enough time to make a second payment by that closing date. So what I normally do is pay down my balance to at least 5% or less before the due date so come the closing date 2-3 days later when it gets reported to the bureaus it will reflect that it’s down to at least a 5% utilization. But for some reason, at times my score drops several points which is frustrating. And the reasoning I usually get is because I paid down my card by so much. So, for example, a $6000 credit limit has a $650 balance. I pay off $500 and leave myself with $150 balance but my credit score still drops. I wonder why.
Good morning, I just viewed your video. I looked at my credit card statement I see where the open and close date is. Would that be the date that I pay my bill before in order to be effective at the bureau ?
Wow! I really feel like I am "winning" with all the info you've shared on your channel! Keep it coming bc you are helping me and my family, plus all those I share your videos with!!🧡
I just happened upon your channel and this caught my attention. Years ago I went down the credit card rabbit hole and was severely burned in the aftermath of the MCI/Worldcom fiasco! I vowed I would never do credit cards again. Fast forward to now and, while I do have credit cards and maintain a decent credit score - I would like to push it to the next level. I do try to maintain my balances under 30% utilization and do the multiple payments when/if necessary. Thank you for this information and, yes - you are making this CRYSTAL CLEAR. I will be sure to look for the closing date so that I am posting payments by that date AND look for new videos!
I am making good financial moves getting my new home after fixing my poor credit using Carl Zayn Company services, They cleaned my report and I have just been approved a FHA loan. I advice you all to make use of this expert before trying to purchase a home.
He is on instagram..
# Geniuscreditrepairs..
Great video! It is a shame they do not teach this in schools, starting at a young age. I know I would have benefited from knowing more about financial education. Thanks!
You are going to be such a blessing to some one by helping pay down their credit cards. Thank you for that!
Hi there, I'm back again watching your video because I always need to go back, listen again too make sure I'm getting it/ understanding. Thanks
I just subscribed, because o like the information you have, I understood the payment date and statement closing date. I am fired up!😌👊🏽
Thank you for this information. I'm at 710 and I am stalled with getting my score to rise.
You have opened my eyes and filled me with knowing how to get the best score possible. What a blessing you are. Keep being a blessing and blessed. Thank you have a blessed day.
If you are looking a way to fix your credit/inquiries and collections. He helped me boost my score to over 800+ and all my hard inquiries and collection were also cleared off by him. Just Contact Uncle Tobian he is the best when it comes to credit repair.
YOU honey are a beautiful spirited person inside and out. Love your energy. Stay blessed 🙌 🙏
I always focused on the due date. This changes things. Thank you for increasing my knowledge. This information should be a part of a high school course for students. We would have less students in debt. $AllegraLockett