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76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *_Strategic techies_* help appreciated. Thank you
My brother, you needed this! I already had ideas of raising my score. But I just found more ways because of this. *Pecuniary backdoors* are such a blessing, keep going frl!
I would say I don’t know how I find you on TH-cam, but I know better. My husband and I have been in prayer so that we get our credit scores up and our credit record in great shape so that we can purchase our forever home. It was no one but God that led me to *_Pecuniary backdoors_* . I thank God for this wisdom. Bless you.
40 now, and everything is paid for. Fortunately, I had a *pecuniary backdoors* teacher who taught me a lesson when I was 18 years old. That lesson was: you can't buy something else for every purchase you make. Having multiple sources of income is prudent, as is living within your means. I have a 13-year-old vehicle because it is all I need, I like it, and I can do whatever I want with it. My net worth is $4 million, and I can pay my bills without stress, but I don't live like I have that. I have no complaints.
This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors* ....
76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you
*_Perry moskva_* , I’ve been watching your videos for a while now. I work in accounting and finance myself, can’t agree more with you on anything you say and you are genuinely honest and accurate. You are a true gem in the social media space! Keep spreading the good word and teaching people about money. You’re awesome!
76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *_Strategic techies_* help appreciated. Thank you
My brother, you needed this! I already had ideas of raising my score. But I just found more ways because of this. *Pecuniary backdoors* are such a blessing, keep going frl!
I would say I don’t know how I find you on TH-cam, but I know better. My husband and I have been in prayer so that we get our credit scores up and our credit record in great shape so that we can purchase our forever home. It was no one but God that led me to *_Pecuniary backdoors_* . I thank God for this wisdom. Bless you.
The efficiency of this *Top phase resolution* is next level. To juggle walk throughs of various angles on the topic delivered to-camera, differnet content per topic from various folks underneath the umbrella of the track list of the larger big band concert itself is engaging and refined. To make a dense taccess like this so digestible is really something. Awesome work jon!!
This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*
76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you
Paying credit card bills 10 days before they are due is a useful tip. My credit card bill is due on the 28th of every month. Once, I forgot to pay the bill - this was very early in my financial journey. My credit score tanked from 750+ to barely above 700. Lesson learnt the hard way. Will implement *_Pecuniary backdoors_* to stop any such mistakes in the future!
76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *_Strategic techies_* help appreciated. Thank you
My brother, you needed this! I already had ideas of raising my score. But I just found more ways because of this. *Pecuniary backdoors* are such a blessing, keep going frl!
I would say I don’t know how I find you on TH-cam, but I know better. My husband and I have been in prayer so that we get our credit scores up and our credit record in great shape so that we can purchase our forever home. It was no one but God that led me to *_Pecuniary backdoors_* . I thank God for this wisdom. Bless you.
Maybe you should turn on the auto pay for the minimum amount due just in case you are injured and in the hospital, or just lose track of time. It's FREE and cover's you.
Dude he said pay off your credit card on the statement closing date. Looking at Bank of America's credit card.. If the payment due date is January 3, 2025.. the statement closing date is December 6, 2024..
I have been thinking about starting my small business for several months. Doing the research takes the longest. So I thank you for sharing *Pecuniary backdoors* of ideas for women like me who is thinking seriously about starting a small business. Again Thank You!!!
This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*
I would say I don’t know how I find you on TH-cam, but I know better. My husband and I have been in prayer so that we get our credit scores up and our credit record in great shape so that we can purchase our forever home. It was no one but God that led me to *Pecuniary backdoors* . I thank God for this wisdom. Bless you.
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This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*
76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you
I drove my first car in my dad's name and later went to get a truck in mine after I paid off my first one and drove off the lot with the truck I wanted, its mostly about a good credit score and a loan portfolio helps as well...lenders like to see various forms of loans in your name to be less of a risk and yes you might have to put money down but not HALF of the car loan Your exactly right I screwed my credit as a young man now I own a detailing company and can't get anything with out the full amount of cash. I'm working on my credit to get better with *Pecuniary backdoors* , Love the knowledge keep it up
This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*
76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you
I get such GREAT service every time I go to the *Pecuniary backdoors* and the IRS is SO wonderful to work with. I DEFINITELY want the Government in charge of my Social Credit Score! This couldn't possibly be misused in ANY way! All the data breaches that the VA has had makes me confident that my data would be TOTALLY safe!
Is all about having a conscious responsible mindset to protect your home, credibility, My grandmother always told me put away and save at least $50-$100 in *Pecuniary backdoors* . Every time I get paid ..As paying yourself as a bill put the money in an envelope that’s emergency cash for household and myself. take the rest of the pay and take care of your rent and your other expenses… thank you for this video is very informative.
This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*
76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you
I cannot imagine completing this project without you *Top phase resolution* . You are amazing. Thank you for being there for me. Not a single effort of yours will go in vain. You will be rewarded for your pain. Your hard work will bring you a lot of gains. Well done. Your achievements speaks itself about your capabilities. Slow and steady makes it to the top! Good job! Jon
This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*
76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you
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This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*
76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you
I get such GREAT service every time I go to the *Pecuniary backdoors* and the IRS is SO wonderful to work with. I DEFINITELY want the Government in charge of my Social Credit Score! This couldn't possibly be misused in ANY way! All the data breaches that the VA has had makes me confident that my data would be TOTALLY safe!
Ive been watching you since I was 16/17 and im now 24. I’ve built a 822 credit score, emergency fund, retirement funds, debt free (other than full paid off monthly cards) and I’m saving for a house. All thanks to your videos. Big thank you to you *Pecuniary backdoors*
This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*
This man spends hundreds of thousands of time just to help us. He helps those in need while also helping us. He always puts a smile on our faces and we should appreciate it. Hats off to Him! I love you dude. Crazy I've never payed attention to the *Pecuniary backdoors* on the internet movement when I say ancestral your a gift to our people
Ive been watching you since I was 16/17 and im now 24. I’ve built a 822 credit score, emergency fund, retirement funds, debt free (other than full paid off monthly cards) and I’m saving for a house. All thanks to your videos. Big thank you to you *Pecuniary backdoors*
This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*
Making those early payments is key!! I personally set a reminder to pay off my credit cards down to 1-2% utilization BEFORE the statement close date and then set up autopay to pay the rest of the statement balance off by the due date. It's worked great for me so far!
I pay down my cards every Friday except the last one of the statement period ( unless I made large purchases) and then auto pay handles the rest. Been hitting 2-3% utilization
@@SpencerJohnsonOfficial I have heard that some banks report to credit bureaus mid statement period, no idea if it's actually true but if they pull mine in the middle utilization should still be low.
I’m a little confused, so if my due date is on the 1st of every month and my closing date is on the 3rd of every month, when should I be paying off my CC?
I stumbled across your video and instantly knew this was made for me. I'm going through the same thing with my business but just knowing that I'm not the only one who's experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude sir and *Pecuniary backdoors* was so helpful during the process of boosting my credit.
This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*
76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you
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76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you
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This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*
76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you
I stumbled across your video and instantly knew this was made for me. I'm going through the same thing with my business but just knowing that I'm not the only one who's experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude sir and *Pecuniary backdoors* was so helpful during the process of boosting my credit.
I would say I don’t know how I find you on TH-cam, but I know better. My husband and I have been in prayer so that we get our credit scores up and our credit record in great shape so that we can purchase our forever home. It was no one but God that led me to *Pecuniary backdoors* . I thank God for this wisdom. Bless you.
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76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you
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Hello, I'm a small business owner, I make goat milk beauty products, soap, lotion, shampoo, body wash, bath salts, bath bombs. But I would love to get a shop put on our farm. I also am getting into rabbit fur blankets, hats, slippers. And would love to get a grant to start and all updated equipment to complete my business. Thank you *Pecuniary backdoors* . Till next time. God Bless
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I would say I don’t know how I find you on TH-cam, but I know better. My husband and I have been in prayer so that we get our credit scores up and our credit record in great shape so that we can purchase our forever home. It was no one but God that led me to *Pecuniary backdoors* . I thank God for this wisdom. Bless you.
Wonderful, just wonderful. Truth must be sought beyond whatever social baggage you are carrying and must let go of. Forward momentum is accelerated in crystal clear vision. *Pecuniary backdoors* dropped serious knowledge. My credit presently runs from good to excellent, but I want from excellent to most excellent. I hear that this is the way to do it. I love the whole precision of this methodology. Here is power. Thank you.
You could explain what to do in these cases, that any channel takes 15 days to recover it and that many times you can’t recover it, but if you are a *top phase resolution* it appears in a couple of hours if they do, it would be fine. Greetings man!
Becoming a good trader takes time and patience. When I first got into trading I was liquidated twice and I lost my entire mortgage deposit. I could have given up. But I decided to learn how to tradei put it to practice. I'm glad I made that decision today.
The process of trading can be complicated when you have limited knowledge. However with the right strategy and setup, you can be successful. That's the whole point of investing. I got into the market 10k and up to 76k in a short period of time. I was able to build a business from my returns♥️♥️
Everyone needs more than their salary to be financially stable. Best thing to do with your money is to invest it rightfully because money kept in reserved is dormant.
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This man spends hundreds of thousands of time just to help us. He helps those in need while also helping us. He always puts a smile on our faces and we should appreciate it. Hats off to Him! I love you dude. Crazy I've never payed attention to the *Pecuniary backdoors* on the internet movement when I say ancestral your a gift to our people
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Thank you Jesus for explaining all this - this explains why my score has been dipping and won’t go up - I will pay off before the statement date now, thank you sooooooo much sir!!!
I started working on my credit 2 years ago. I didn't know where to start I had no credit. I started looking up videos and found *Pecuniary backdoors* . I followed what you said and started with an secured credit card for 200.00 and mad sure to keep my utilization under 10% and paid on time every month. I now have 3 unsecured credit cards and a 757 fico score. Thank Danielle for all the information and tips. Now we are in a position to buy home.
Hello, I'm a small business owner, I make goat milk beauty products, soap, lotion, shampoo, body wash, bath salts, bath bombs. But I would love to get a shop put on our farm. I also am getting into rabbit fur blankets, hats, slippers. And would love to get a grant to start and all updated equipment to complete my business. Thank you *Pecuniary backdoors* . Till next time. God Bless
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So I just tried this this past billing cycle and it actually worked! I always paid my cards in full on the first of the month but paid this month right before the billing cycle ended for each card. In a week my vantage score went up 6 points. My goal is an 840 credit score.
I'm very pleased with Brandon's program - it's truly effective! In just two weeks, my credit score had increased by 280 points and twenty negative items had been removed. Everyone's credit file is different, but Brandon's program is designed to help you manage and improve your own. It's great to have someone so knowledgeable and experienced guiding you on how to improve your credit file. Thanks so much, Brandon.
I cannot imagine completing this project without you *Top phase resolution* . You are amazing. Thank you for being there for me. Not a single effort of yours will go in vain. You will be rewarded for your pain. Your hard work will bring you a lot of gains. Well done. Your achievements speaks itself about your capabilities. Slow and steady makes it to the top! Good job! Jon
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The credit utilization explains why when I switched to paying it off twice a month, it raised my credit score a lot (I'm caught up now so I don't carry a balance)
These are extremely useful rules for anyone looking to grow rich. Unfortunately, the majority of individuals that see this video will be unable to implement the ideas. We may not like to acknowledge it, but as Warren Buffett famously stated, investing is like any other profession: it takes a certain amount of knowledge. It's no surprise that some people are losing a lot of money during the bear market, while others are profiting by hundreds of thousands. I'm just not sure how they do it. I now have around $570k to invest in the market.
Dealing across multiple asset classes can reduce risk more effectively than putting all of your money into one. If you don't understand finances properly, see a financial consultant.
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'Grace Adams Cook' , is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I started working on my credit 2 years ago. I didn't know where to start I had no credit. I started looking up videos and found *_Pecuniary backdoors_* . I followed what you said and started with an secured credit card for 200.00 and mad sure to keep my utilization under 10% and paid on time every month. I now have 3 unsecured credit cards and a 757 fico score. Thank Danielle for all the information and tips. Now we are in a position to buy
Ive been watching you since I was 16/17 and im now 24. I’ve built a 822 credit score, emergency fund, retirement funds, debt free (other than full paid off monthly cards) and I’m saving for a house. All thanks to your videos. Big thank you to you *Pecuniary backdoors*
Thank you *850 Credit restoration* so much for you're advice as my credit score is 771 and wanting to increase it as much as possible as I'm just trying to look out for my future. I've subbed you.
Save yourself 8:03 Watch time. He explains you want to pay your CC before the statement close date. This is when your usage is reported, and is different than the DUE date. The other good tip is try to keep your credit usage under 10%.
@iAMinvisiblhey I’m still confused and just need some clarification. His example he showed that his due date was the 4th of every month. It also showed that the close date is the 7th. So is that the statement closing date? The 7th? And so by that does that mean to essentially have ur credit card payed off by the 7th?
@@JG-ll5lf go to the email that is connected to your account, look up the institution and find the emails that say “your statement is ready.” You want to pay off your debt on the card the day before that day.
Just an alternative experience. First, processing payments for some cards seems to take place after processing the amount owed. This likely maximizes interest for the banks so I get why they do this. In that case what gets reported is likely your balance. If you really want to show low or zero utilization then paying the day before your statement day is likely safer. Additionally, for many years I have paid the day before my due date so that what’s due is zero across all cards. In effect what this means is it shows up as zero utilization. Which in some scenarios can have a negative impact in your score. When I changed to ensuring payments happen the day before the due date to bring utilization at ten % or less, but still some Balance owed…for me that is the sweet spot for maximizing score if that’s your goal say for bouncing you up a few points to ensure you get the best rate for a potential loan.
@@krane15 if you want to max your score for something, this is the way. And I might add, it’s not exactly hard to press the four or five buttons to pay a credit card.
I stumbled across your video and instantly knew this was made for me. I'm going through the same thing with my business but just knowing that I'm not the only one who's experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude sir and *Web back doors* was so helpful during the process of boosting my credit.
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So do you make two payments? 1. Prior to statement close date/statement close date AND due date. I have an AMEX so I need to pay the full balance each time.
I've watched countless videos on this and left more confused than before I watched them. You explained this better than anyone i have watched. Utilization has been my downfall. Excited to put this into action! Thank you!!
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This man spends hundreds of thousands of time just to help us. He helps those in need while also helping us. He always puts a smile on our faces and we should appreciate it. Hats off to Him! I love you dude. Crazy I've never payed attention to the *850 Credit restoration* on the internet movement when I say ancestral your a gift to our people
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I've been wondering for so long why my score drops so much even though I'm always paying off my statement balances on time! Thank you for the info! And no thanks to the banks who don't want us to know this.
Thanks for sharing your knowledge. Skills sets are deffinate need for start up. Knowing *Pecuniary backdoors* and re-investing grant profits is key. Tough at times but very doable. Fall in a good time to receive grant and get infrastructure set for a business or home application grant
The efficiency of this *_Perry Moskva_* is next level. To juggle walk throughs of various angles on the topic delivered to-camera, differnet content per topic from various folks underneath the umbrella of the track list of the larger big band concert itself is engaging and refined. To make a dense taccess like this so digestible is really something. Awesome work jon!!
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So if a credit card limit is 10,000 and you use over the recommended 30% utilisation (let’s say 75%) but you pay back 3,500 before the statement close date, will you utilisation be 30% on the due date? Forgive me I’m new to this.
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This may have been touched on in the comments. I have always paid my credit and charge cards off before the cycle went through. We had some personal situations that made it so I could not pay some of them before they cycled but rather before they were due. When I checked my credit, it jumped up 10 pts or so (to 836). I played around with my payments and found that if I keep 1,000-2,000 on my cards for the cycle (and still pay off by the time they are due) my credit is at its highest. I also found that it's not due to the credit bureaus thinking the card is inactive, because I can leave $20 on each one and my credit scores are still drops. Why is it that I have to keep a thousand or so dollars on the cards for the end of the cycle?
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From a budgeting standpoint, it's much easier for me to pay off my cards bi-weekly timed with my paychecks. Is it possible to pay your cards off too often, where maybe your utilization appears too low?
I found this to be the case. The issuer makes money on the APR. Yeah, your score may go up but, there are no guarantees the creditor will increase your credit limit because they base it on a percentage of your income.
@@mrvgstyle2442The note you use you card, the more likely you are to get an increase in your credit limit. Example, you have a credit limit of $1k. If you put $500 a week on your card and pay it off weekly, the credit card company sees that you are using 'more than your limit' and will increase your limit.
I have a question. My statement closing date is on the 7th of every month, but my due date is the 4th of every month, and I've always paid my entire balance on the due date. How would I work with that, since I rarely rack up a huge bill within the first 3 days after I've paid my card off?
Same if i took his logic i would have to spend enough in 2 days (from due date on 8th) so on my statement date (the 13th) it shows i have 10%-20% utilization.
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Hey John, quick question for you. How does my American express gold card which has no preset spending limit affect my credit utilization rate, and my total available credit over the span of multiple cards?
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You suggest a low utilization, below 10%. Does it mean that you use the card only to 10%, or that you could use the card even at 50% but before the statement closure date you take it down to 10%? Also, would taking it down to 0% instead be better for the credit score?
I love your videos, they are super helpful! However I’ve heard this concept before and it always confuses me. My closing dates are always 5-6 days after my due date. So if I pay in full on the due date, unless I just happen to have a huge purchase in that couple of days, I don’t usually have much spent in just a few days so I can’t understand how this would really affect my score much to pay again 5 days later. Is this more useful if you just happened to have a big purchase in those few days after your due date or am I missing something else here?
@@rmknicks the statement close is always before the due date. So nearly a month before your due date is the statement close. Then comes your due date, and 5 days later (in your scenario) the NEXT statement close date occurs. The NEXT due date amount will be based on the statement close that came BEFORE it.
@@innerpeace3973For example my statement date is on the 16 th every month so recently may 16th it closed. All payments from April 16th to May 16th will be on the statement but the due date isn’t until June 13th
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I've found the best dates differ depending on statement closing dates. I have one with a closing date of the 3rd or 4th of every month depending on whether it falls on a weekend or holiday, so I just make a payment 1 week before the 3rd of every month now. The card issuer then reports the balance to the credit bureau and I notice the credit bureau doesn't update the new score until close to the 17th. Basically, I make a payment a few days before the 30th of the month, and don 't touch the card until the new score is updated.
In a nutshell, if the payment is due the 3rd of each month, and your statement closing date is on the 6th of each month: Turn off AutoPay or modify it, set reminders, pay 99% of your balance on or prior to the 1st, and then pay off the final 1% balance on the 15th so that the 1% is reported to the bureaus. Generally, the statement close is 3 days after the due date, but other companies like Capital One I can have my payment due the 3rd of each month, but the statement close may be on the 8th, or 7th, so that's why I chose to pay it off the 1% on the 15th each month.
@@SWISSMUSICFCyeah but if you do that then the credit card company will think you’re not using the card in the end and your credit score lowers. How do I know this? It happened to me when I first got a CC. You’re supposed to let them know you’re using it hence paying off the STATEMENT BALANCE and not the full balance. Ik it sounds counter intuitive.
I also got to and what I've noticed is it's best not to use your card about 3 to 4 days before your statement closed date because any of that will be adding to your utilization. This happened to me. Just don't make no charge like it 4 days before. Unless you're really low on your neutralization
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Super helpful video! I'm a bit new to credit cards, but have figured this out myself. All I remembered was that I needed to keep my credit utilization as low as possible, and when I noticed that my current balance was above that, I made sure to pay a good portion of it off so it would be around 10% by the statement date. Nice to see that this video confirms that what I've already been doing is what I should keep doing 😊My credit score has improved around 30 points as well and my credit limit increased a couple hundred bucks.
@@eliteforce8017 how many days before the statement close date doesn't matter. All that matters is that you have most of it paid off before that date. Just make sure to keep a small portion unpaid so the cc company's screenshot of what they send to the credit bureau can see you are able to use credit(borrowed money) but you're not risky with how you do it. That's the name of the game, showing them you are responsible with the borrowed money.
If I make a charge on the card before the statement close date and also completely pay it off before then, are they going to think I didn’t use card at all that month since from my understanding they would report a 0% utilization then? I want them to still see that I’m using the card.
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Maybe you should turn on the auto pay for the minimum amount due just in case you are injured and in the hospital, or just lose track of time.
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Dude he said pay off your credit card on the statement closing date. Looking at Bank of America's credit card.. If the payment due date is January 3, 2025.. the statement closing date is December 6, 2024..
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76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you
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76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you
I’m glad to be fortunate enough to get to know their name and looked it up online.
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76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you
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I’m glad to be fortunate enough to get to know their name and looked it up online.
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You also neeed to look their name up to see their website
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@@BreadsJuly7😂we know.. you've said it many times on this video lol
Making those early payments is key!! I personally set a reminder to pay off my credit cards down to 1-2% utilization BEFORE the statement close date and then set up autopay to pay the rest of the statement balance off by the due date. It's worked great for me so far!
I pay down my cards every Friday except the last one of the statement period ( unless I made large purchases) and then auto pay handles the rest. Been hitting 2-3% utilization
@@ninevanillaninjas1018 That's a great way to do it too!
@@SpencerJohnsonOfficial I have heard that some banks report to credit bureaus mid statement period, no idea if it's actually true but if they pull mine in the middle utilization should still be low.
@@ninevanillaninjas1018 That's interesting.. I don't think I had heard that before. I guess you'll be all set though!
I’m a little confused, so if my due date is on the 1st of every month and my closing date is on the 3rd of every month, when should I be paying off my CC?
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76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you
I’m glad to be fortunate enough to get to know their name and looked it up online.
Thanks for sharing your knowledge. Skills sets are deffinate need for start up. Knowing *Pecuniary backdoors* and re-investing grant profits is key. Tough at times but very doable. Fall in a good time to receive grant and get infrastructure set for a business or home application grant
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*I’m glad it works for me and i am sure it will works for you as well*
76, broke, partially disabled, honorably discharged US veteran. No police record, no drugs, no alcohol, no tobacco. Need help so i can get a low income apt...once in have 1500 ssa, va to sustain myself. *Strategic techies* help appreciated. Thank you
I’m glad to be fortunate enough to get to know their name and looked it up online.
I stumbled across your video and instantly knew this was made for me. I'm going through the same thing with my business but just knowing that I'm not the only one who's experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude sir and *Pecuniary backdoors* was so helpful during the process of boosting my credit.
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You also neeed to look their name up to see their website
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This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*
I would say I don’t know how I find you on TH-cam, but I know better. My husband and I have been in prayer so that we get our credit scores up and our credit record in great shape so that we can purchase our forever home. It was no one but God that led me to *Pecuniary backdoors* . I thank God for this wisdom. Bless you.
*I’m glad it works for me and i am sure it will works for you as well*
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You could explain what to do in these cases, that any channel takes 15 days to recover it and that many times you can’t recover it, but if you are a *top phase resolution* it appears in a couple of hours if they do, it would be fine. Greetings man!
Everyone family has that one person who will break the family financial struggle I hope you become the one 😏
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The process of trading can be complicated when you have limited knowledge. However with the right strategy and setup, you can be successful. That's the whole point of investing. I got into the market 10k and up to 76k in a short period of time. I was able to build a business from my returns♥️♥️
Trading,,,,without any guilde is so risky you need a good Mentor like Derek Mia Scott strategy to guide your trades,,,,,
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Everyone needs more than their salary to be financially stable. Best thing to do with your money is to invest it rightfully because money kept in reserved is dormant.
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Thank you Jesus for explaining all this - this explains why my score has been dipping and won’t go up - I will pay off before the statement date now, thank you sooooooo much sir!!!
I started working on my credit 2 years ago. I didn't know where to start I had no credit. I started looking up videos and found *Pecuniary backdoors* . I followed what you said and started with an secured credit card for 200.00 and mad sure to keep my utilization under 10% and paid on time every month. I now have 3 unsecured credit cards and a 757 fico score. Thank Danielle for all the information and tips. Now we are in a position to buy home.
Hi
Hello, I'm a small business owner, I make goat milk beauty products, soap, lotion, shampoo, body wash, bath salts, bath bombs. But I would love to get a shop put on our farm. I also am getting into rabbit fur blankets, hats, slippers. And would love to get a grant to start and all updated equipment to complete my business. Thank you *Pecuniary backdoors* . Till next time. God Bless
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*You also neeed to look their name up to see their website*
I cannot imagine completing this project without you *Top phase resolution* . You are amazing. Thank you for being there for me. Not a single effort of yours will go in vain. You will be rewarded for your pain. Your hard work will bring you a lot of gains. Well done. Your achievements speaks itself about your capabilities. Slow and steady makes it to the top! Good job! Jon
I have 2 chapter 11’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 in *Pecuniary backdoors* 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!!
Thank you so much John! Because of this advice my credit score jumped up 39 points up to a 751!!!
You explain it so clear👍🏼You give examples👍🏼You show the explanation visually👍🏼and short videos👍🏼
So I just tried this this past billing cycle and it actually worked! I always paid my cards in full on the first of the month but paid this month right before the billing cycle ended for each card. In a week my vantage score went up 6 points. My goal is an 840 credit score.
That's awesome Peter! Keep it up!!
I'm very pleased with Brandon's program - it's truly effective! In just two weeks, my credit score had increased by 280 points and twenty negative items had been removed. Everyone's credit file is different, but Brandon's program is designed to help you manage and improve your own. It's great to have someone so knowledgeable and experienced guiding you on how to improve your credit file. Thanks so much, Brandon.
Brandoncreditfix
Got to them on youtube..,
@@TravisGDavids 280 points in 2 weeks. Come on Pinocchio. Not a chance.
I cannot imagine completing this project without you *Top phase resolution* . You are amazing. Thank you for being there for me. Not a single effort of yours will go in vain. You will be rewarded for your pain. Your hard work will bring you a lot of gains. Well done. Your achievements speaks itself about your capabilities. Slow and steady makes it to the top! Good job! Jon
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The credit utilization explains why when I switched to paying it off twice a month, it raised my credit score a lot (I'm caught up now so I don't carry a balance)
These are extremely useful rules for anyone looking to grow rich. Unfortunately, the majority of individuals that see this video will be unable to implement the ideas. We may not like to acknowledge it, but as Warren Buffett famously stated, investing is like any other profession: it takes a certain amount of knowledge. It's no surprise that some people are losing a lot of money during the bear market, while others are profiting by hundreds of thousands. I'm just not sure how they do it. I now have around $570k to invest in the market.
Dealing across multiple asset classes can reduce risk more effectively than putting all of your money into one. If you don't understand finances properly, see a financial consultant.
Agreed, a lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
Market behavior can be complex and unpredictable. Mind if I ask you to recommend this particular coach to whom you have used their services?
'Grace Adams Cook' , is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.
I started working on my credit 2 years ago. I didn't know where to start I had no credit. I started looking up videos and found *_Pecuniary backdoors_* . I followed what you said and started with an secured credit card for 200.00 and mad sure to keep my utilization under 10% and paid on time every month. I now have 3 unsecured credit cards and a 757 fico score. Thank Danielle for all the information and tips. Now we are in a position to buy
Ive been watching you since I was 16/17 and im now 24. I’ve built a 822 credit score, emergency fund, retirement funds, debt free (other than full paid off monthly cards) and I’m saving for a house. All thanks to your videos. Big thank you to you *Pecuniary backdoors*
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Save yourself 8:03 Watch time. He explains you want to pay your CC before the statement close date. This is when your usage is reported, and is different than the DUE date. The other good tip is try to keep your credit usage under 10%.
All of what he said is perfectly good
Right, but if you want to understand why, then watch the video.
@iAMinvisiblhey I’m still confused and just need some clarification. His example he showed that his due date was the 4th of every month. It also showed that the close date is the 7th. So is that the statement closing date? The 7th? And so by that does that mean to essentially have ur credit card payed off by the 7th?
@@JG-ll5lf go to the email that is connected to your account, look up the institution and find the emails that say “your statement is ready.” You want to pay off your debt on the card the day before that day.
2:42 (Credit Utilization): does that mean you only can only use $1,000-$3,000 of you $10,000 credit limit without getting DING (As you say).
I would say yes
Just an alternative experience. First, processing payments for some cards seems to take place after processing the amount owed. This likely maximizes interest for the banks so I get why they do this. In that case what gets reported is likely your balance. If you really want to show low or zero utilization then paying the day before your statement day is likely safer.
Additionally, for many years I have paid the day before my due date so that what’s due is zero across all cards.
In effect what this means is it shows up as zero utilization. Which in some scenarios can have a negative impact in your score.
When I changed to ensuring payments happen the day before the due date to bring utilization at ten % or less, but still some
Balance owed…for me that is the sweet spot for maximizing score if that’s your goal say for bouncing you up a few points to ensure you get the best rate for a potential loan.
Paying before the due date makes no sense. You still have to pay again on the due date unless you pay the entire balance.
@@krane15 if you want to max your score for something, this is the way.
And I might add, it’s not exactly hard to press the four or five buttons to pay a credit card.
I stumbled across your video and instantly knew this was made for me. I'm going through the same thing with my business but just knowing that I'm not the only one who's experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude sir and *Web back doors* was so helpful during the process of boosting my credit.
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Read the comments to.
So do you make two payments? 1. Prior to statement close date/statement close date AND due date. I have an AMEX so I need to pay the full balance each time.
You’re the BEST John!!! Thank you so much for your videos
This is a golden tip! I totally forgot about the statement close date for credit cards although I was mindful for the phone bills. Thank you.
I've watched countless videos on this and left more confused than before I watched them. You explained this better than anyone i have watched. Utilization has been my downfall. Excited to put this into action! Thank you!!
Bot? Wtf
@@internetstresswhy?
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I've been wondering for so long why my score drops so much even though I'm always paying off my statement balances on time! Thank you for the info! And no thanks to the banks who don't want us to know this.
Thanks for sharing your knowledge. Skills sets are deffinate need for start up. Knowing *Pecuniary backdoors* and re-investing grant profits is key. Tough at times but very doable. Fall in a good time to receive grant and get infrastructure set for a business or home application grant
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The deeper your investment roots, the stronger your financial security will be in the future.
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So if a credit card limit is 10,000 and you use over the recommended 30% utilisation (let’s say 75%) but you pay back 3,500 before the statement close date, will you utilisation be 30% on the due date? Forgive me I’m new to this.
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Thank you for explaining this in such detail 😊
4:15 here is the info
This may have been touched on in the comments. I have always paid my credit and charge cards off before the cycle went through. We had some personal situations that made it so I could not pay some of them before they cycled but rather before they were due. When I checked my credit, it jumped up 10 pts or so (to 836). I played around with my payments and found that if I keep 1,000-2,000 on my cards for the cycle (and still pay off by the time they are due) my credit is at its highest. I also found that it's not due to the credit bureaus thinking the card is inactive, because I can leave $20 on each one and my credit scores are still drops. Why is it that I have to keep a thousand or so dollars on the cards for the end of the cycle?
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The confidence you take in your work is really inspiring and amazing, special thanks The time and efforts you had put into deleting all inquiries and collections is beyond excellence. Take my cordial thanks! You are really an efficient, organized and result-oriented man Thank you for all the extra hours and extra effort you had to put on for getting this done. I appreciate every bit of your effort. Thank you *Pecuniary backdoors* for pulling this off so smoothly...
From a budgeting standpoint, it's much easier for me to pay off my cards bi-weekly timed with my paychecks. Is it possible to pay your cards off too often, where maybe your utilization appears too low?
I found this to be the case. The issuer makes money on the APR. Yeah, your score may go up but, there are no guarantees the creditor will increase your credit limit because they base it on a percentage of your income.
No, I pay my balance as soon as there is a balance.
@@mrvgstyle2442The note you use you card, the more likely you are to get an increase in your credit limit. Example, you have a credit limit of $1k. If you put $500 a week on your card and pay it off weekly, the credit card company sees that you are using 'more than your limit' and will increase your limit.
I have a question. My statement closing date is on the 7th of every month, but my due date is the 4th of every month, and I've always paid my entire balance on the due date. How would I work with that, since I rarely rack up a huge bill within the first 3 days after I've paid my card off?
Same if i took his logic i would have to spend enough in 2 days (from due date on 8th) so on my statement date (the 13th) it shows i have 10%-20% utilization.
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Hey John, quick question for you. How does my American express gold card which has no preset spending limit affect my credit utilization rate, and my total available credit over the span of multiple cards?
Charge cards do not impact utilization
What if you pay the card off same day. Swipe your card, then go online and pay it off consistently?
That's what I do
Apparently that's not good bc then no balance is reported so it looks like ur not using the card
Than why dont you use only debit if you dont want to use credit
Yep not good. Looks like 0 utilization and that goes against u too
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You suggest a low utilization, below 10%. Does it mean that you use the card only to 10%, or that you could use the card even at 50% but before the statement closure date you take it down to 10%? Also, would taking it down to 0% instead be better for the credit score?
I love your videos, they are super helpful! However I’ve heard this concept before and it always confuses me. My closing dates are always 5-6 days after my due date. So if I pay in full on the due date, unless I just happen to have a huge purchase in that couple of days, I don’t usually have much spent in just a few days so I can’t understand how this would really affect my score much to pay again 5 days later. Is this more useful if you just happened to have a big purchase in those few days after your due date or am I missing something else here?
In your scenario, your due date is from the previous closing date.
@@rmknicks the statement close is always before the due date. So nearly a month before your due date is the statement close. Then comes your due date, and 5 days later (in your scenario) the NEXT statement close date occurs. The NEXT due date amount will be based on the statement close that came BEFORE it.
@@EthanPatrick_CreditCards Yep that's what i wrote
@@innerpeace3973For example my statement date is on the 16 th every month so recently may 16th it closed. All payments from April 16th to May 16th will be on the statement but the due date isn’t until June 13th
@@EthanPatrick_CreditCards Exactly how many days before the statement closing date do you think should we pay our credit card bills?
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I've found the best dates differ depending on statement closing dates. I have one with a closing date of the 3rd or 4th of every month depending on whether it falls on a weekend or holiday, so I just make a payment 1 week before the 3rd of every month now. The card issuer then reports the balance to the credit bureau and I notice the credit bureau doesn't update the new score until close to the 17th. Basically, I make a payment a few days before the 30th of the month, and don 't touch the card until the new score is updated.
In a nutshell, if the payment is due the 3rd of each month, and your statement closing date is on the 6th of each month: Turn off AutoPay or modify it, set reminders, pay 99% of your balance on or prior to the 1st, and then pay off the final 1% balance on the 15th so that the 1% is reported to the bureaus. Generally, the statement close is 3 days after the due date, but other companies like Capital One I can have my payment due the 3rd of each month, but the statement close may be on the 8th, or 7th, so that's why I chose to pay it off the 1% on the 15th each month.
Still don’t get it bruv….
Started following the strategies and have seen my credit score improving…
I just pay mine constantly. Transaction goes through: I make a payment.
Something most people would find annoying and totally non beneficial.
Same here.
@@krane15 but you’ll never be charged interest, that’s worth the 30second of annoyance it takes to hit ‘make a payment’
@@SWISSMUSICFCyeah but if you do that then the credit card company will think you’re not using the card in the end and your credit score lowers. How do I know this? It happened to me when I first got a CC. You’re supposed to let them know you’re using it hence paying off the STATEMENT BALANCE and not the full balance. Ik it sounds counter intuitive.
I also got to and what I've noticed is it's best not to use your card about 3 to 4 days before your statement closed date because any of that will be adding to your utilization. This happened to me. Just don't make no charge like it 4 days before. Unless you're really low on your neutralization
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Super helpful video! I'm a bit new to credit cards, but have figured this out myself. All I remembered was that I needed to keep my credit utilization as low as possible, and when I noticed that my current balance was above that, I made sure to pay a good portion of it off so it would be around 10% by the statement date. Nice to see that this video confirms that what I've already been doing is what I should keep doing 😊My credit score has improved around 30 points as well and my credit limit increased a couple hundred bucks.
Exactly how many days before the statement closing date should we pay our credit card bills.
@@eliteforce8017 how many days before the statement close date doesn't matter. All that matters is that you have most of it paid off before that date. Just make sure to keep a small portion unpaid so the cc company's screenshot of what they send to the credit bureau can see you are able to use credit(borrowed money) but you're not risky with how you do it. That's the name of the game, showing them you are responsible with the borrowed money.
If I make a charge on the card before the statement close date and also completely pay it off before then, are they going to think I didn’t use card at all that month since from my understanding they would report a 0% utilization then? I want them to still see that I’m using the card.
You always want to pay off your balance to about 1-10% a week before the statment date for you can report that amount to the credit berruos
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Very informative video thank you John!
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But what if your closing statement is after your due date? And you paid off your bill in full and the score still gets dinged?
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