Credit Coach Jeanne Kelly Talks About Building Credit & How To Fix Credit Problems
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- เผยแพร่เมื่อ 9 พ.ค. 2017
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this should be a mandatory course in school
DanielWhaaaa I agree with this 100%, along with Cooking and farming.
DanielWhaaaa and sewing
DanielWhaaaa I so agree!!! And for parents! Right after the sex talk, they should have a financial literacy talk....hopefully they themselves are financially literate 👀
DanielWhaaaa plus cooking these kids nowadays can't make a grilled cheese sandwich
it's a damn shame guys my age can't cook for shit and survive off of Ramen like that's nasty
I graduated high school with no knowledge of credit, how to pay taxes, buy a house, the types of insurances there are (car, life, etc). It feels like they intend to keep us in the dark
Mark Your parents failed you 😂
I know that feel. in college with no knowledge #BARS
Keef Croc "They" as in the ones who run the education system and set the curriculums. Parents are somehow to supposed to self-teach themselves on finances so they can pass it on to their kids? What if the parent themself is too incompetent and will misteach their kid? It's not like teaching how to ride a bike. Finances should be formally taught in school because it's something EVERYBODY has to deal with in their adult life, regardless of their career
Keef Croc who's teaching the parents smart ass???
right! I learned how to budget and balance a check book in a summer job program. the school system only teaches you how to be an employee and in debt.
y'all should have her on here every Friday for financial Friday.😇
sophisticatedswanson id support that
Good idea
Great idea
Thanks~!
I agree 💯💯
I love how breakfast club puts us on game with financial education and literacy. In our community, we need to have this type of information young. I appreciate you guys!
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Life Advice : Don't create unnecessary debt
Donovan Beavers basically.
Donovan Beavers wish you told me this before I went to college bro! Lmao
Donovan Beavers hard af in this American capitalistic society...
Donovan Beavers yeah it's good debt and bad debt
Donovan Beavers what about college loans?
Finally a interview with substance....these type of interviews are rare
chris3172 lol typical nigga....uses "concur" to sound smart yet abbreviates TBC as b.f.c...
Drizzy Got Sole 😂😂 You petty
Drizzy Got Sole with least amount of views
I literally started with a 499 and I once was on vacation and got denied for a rental car.. I now boast a 750+ after doing the simple things she said. People are saying it's bad advice, but it has really benefited me. I'm a black man who started with nothing. I have a great job and a great score..
I'm so happy they interviewed her I needed this.
Have you been able to improve your credit yet ?
Good morning black brothers and sisters, hope y'all fighting the good fight and making moves today, no matter how small it is, any progress is wonderful. Always remember this proverb "the nail that sticks will get hammered". We must sometimes learn to sit down, be humble and stay out of site in order to make the monumental moves we want to make. It's wise to just listen more, talk less and quit the arrogance, it gets us no where. I love y'all, be proud, be wise and be humble, take care ✊🏾✊🏾✊🏾✊🏾 #blackways
Marrow Morrison why can't it be "good morning brothers and sisters"?
Good morning and thanks again for positivity and great advice ✊🏽✊🏽
What your credit look like thou ?
Thanks man...
TH-cam Life where did bleaching come from????
Would be nice if this was taught in schools so grown ass adults don't need to be taught to manage their money.
...sad really...most universities already have watered down general course curriculums for incoming students so you'd think they have room for one course on this...but it'd probably scare kids away from taking on student loans (as it should)...
Bingo......
Im lucky that my parents taught me how to manage my money. But the one thing that took me by surprise was when I was sent a collection notice for a library fine!
willemdee there's a sick reason for that..debt = slavery
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This should be taught in schools. Along with investing, money management.
A Live we have a school for it
It truly should be taught!...at HOME!!!....around our....KITCHEN or DINNER tables!😊👍👍✌
Your parents should’ve taught you this
But parents can’t teach you what they don’t know. I agree that it should be taught at home but it should be taught n school too. A LOT of what we learned in school has either changed upon new findings or just was not pertinent to what we would experience/need as adults.
I am glad that I am learning how to manage money now. My parents did not even teach me about credit and how it works, mainly cause they were ignorant as well. Better later than never, these interviews are important.
Damn you Sallie Mae/Navient!!! Student loans be damned!!!
I'm tryna fall asleep listening to this and 4 mins in this shit got paying my credit card bill that's not due for another month.
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Now a 20 year old young man About to wrap up my first year in college,I can say I've grown up watching the breakfast club,like for real since like 9th 10th grade.I just want to thank you guys for being more than a hip hop station,you guys have brought so many meaningful people up here,that a young black man like me has been influenced by and maybe even needed to see.Yeah I enjoy the silly stuff sometimes too but I also appreciate conversations like this, Farrakhan,justice league NYC too.thank you so much guys.May God bless you.
I'm going through this issue. Thank you for having her on the show.
Needed to see this for a young guy like me whose graduating high school and about to be in the real world
Shxllow do not get into any debt at all. Save and invest
Wife and I just bought our amazing first home a month ago for our 2 year old son and THANK GOD my credit was amazing! I've had friends say "I don't need credit, it ain't shit" and I'm sitting there like 👀👀👀!!!! Have fun living in an apt forever then.. CREDIT IS LIFE!
Congratulations. I'm trying to get my credit back together to get my show place too. Only people with bad credit say credit doesn't matter.
We can't continue to blame "the man". The man isn't in our day to day lives. Teaching financial literacy to OUR children & the value of a dollar is OUR job. We can't drop kids off to school and carry on like, "THAT'S IT". If you don't CONTINUE to learn so you can TEACH, we will FOREVER be in a bad cycle.
ZTL where have u been!!!!? White ppl had a 400 year head start!!! Playing field is not leveled fairly. Wake Up!
What the Man wants u to think is that Black ppl have been made whole by being ALLOWED to read books and research for ourselves how they’ve been fucking us for almost half a millennium. We have not been made whole. We are STLL owed.
It's like a game of baseball and the white team paid the refs ro cheat and rule rig while they were up to bat so they can stay up to bat for 400 years while the black team was literally stuck in the out field(out in the field) while they rack up on home runs.
DAMN!
@@deedeemoto8076 in a fair society Oprah Winfrey would be a trillionaire
thank you guy who called in!!!!!
so needed this video right now
Need more interviews like this. Gossip is getting boring now. Free vital information that benifits everyone 🙌🏾🙌🏾
Dave Ramsey is going to report this video as inappropriate content.
Right
lol
😂😂😂😂 IM DEBT FREE LOL
Lol, I was thinking that too...
Live like no one else, so later, you can live like no one else.
Thank you guys for this interview.
Thank you for this amazing interview
7%!!!! Credit is a hustle
found this looking at old interviews, bring her back envy...excellent interview
I live in the u.k getting a credit card for the first time. As a 35 year old, Drinking in this knowledge like a vampire!
My mom made me an authorized user to help my credit I went from a 550 to a 643 still not that good but I'm in the rebuilding process it only took like 10 days after she added me
Kevin Hall Now you can get a card of your own to bump it up to 700+! 👍🏾 Keep the usage rate under 30% and pay it twice during the payment cycle so it reports twice!
that is amazing....tradelines are life!!!1
Louis Williams good look I thought you only need to pay once
@@louiswilliams984 great advice!!!
That's great
10 days
I went to high school 2002-2006 and i had one economic instructor, ONE! And that was my freshman year and during that year they cut the course and we were fucked. What i learned from that beautiful instructor was to build credit and save. Dept of edu don’t even care to have kids succeed anymore smh 🤦🏾♀️
Respect for interviewing someone like this. Young people in our community need to learn this stuff.
Angela yes! I hate the idea of debt and loans. Not wanting to give my money to anyone for any reason especially when starting my own business. Way to go sis for grinding out and financing your own!
Teach your kids this and about life insurance
She just said not to use over 10 percent of the available credit ENVY... Why use the example with 1,000 and spending 600 on a trip? You just used 60 percent bruh, you already fucked up.... Listening and comprehension fam.
Bro u dumb af
You can use more than 10% on your card, but she means make sure you have 10% on your balance when the closing date comes. i.e., Envy should pay $500 on his account ~3 days before the closing date, so his balance will read $100.
finally an interview i can use in my life S/O Breakfast Club
I love the breakfast club always great interviews
Love interviews like this educating the people. There are a lot of successful brown and black entrepreneurs with skill sets like day trading, real estate investors, forex traders etc. Lets get more on the show
Credit is life!
ivfdaddy Real Talk!!!!
appreciate this
I’m really happy yal had her on here! No one teaches you this stuff growing up! Like schools should ABSOLUTELY have a class on this!
Somewhere Dave Ramsey is having a stroke listening to this lol
Since I follow Dave Ramsey this stuff is going in one ear and out the other. Though I'm aware good credit is held on a high plateau in the U.S. I'm still not likely to go into debt intentionally anymore other than a For a home. My views may be skewed.
Q Talks Finances 🙏🏼🙏🏼🙏🏼
heres pros and cons to your opinion
If you following Dave your buying your house with cash
Dave is the bomb ... Are you still rocking the baby steps?
She never said anything about going into debt ...she said good credit is important and to pay off your cc.(??????) Follow DR if you must .... However she was not discrediting him ... but as you said ...you were not listening .,.🤔
this was a great video and well needed! thanks for enlightening young black folks like me thats trying to get their life in check.
This was Awesome!!! Great segment and informative share of essential information!👏🏽
Well done breakfast club.. education
Dave Ramsey should make an appearance on here...
This was so informative💫
Everyone should watch this.
I learned all this on google at 21. Now at 25 I have 26 credit cards, 750+ credit score, and I travel all over for free with reward points. I get the dave ramsey thing about never using credit cards but I have the self control not to run up my $150k+ credit limit (honestly too lazy to add it all up). I only make like 47k so you really dont have to be wealthy or anything, it's not that hard if you dont screw up early.
This is the stuff that should be taught in high schools
This was great!
Nice great information!
What I’ve learned from a credit doctor, for free, they basically call the 3 credit bureaus & literally dispute it as fraud etc but said they don’t have to give them a reason why, they basically tell them to remove it. Once the dispute is put in place, it takes 30-45 days. Sometimes the first dispute makes it disappear, the credit doctor also told me that sometimes it takes 3-4 disputes (3-4 months essentially) & by that time they just take it off. SO, that being said, I disputed the 2 derogatory marks on my credit through credit karma, Experian app (credit karma only shows the first two bureaus & experian is a whole other app with the third bureau) & I’ve had had them disappear, with my credit improving drastically. Take note that companies don’t care what your credit karma credit score is, they care about your FICO score which if you bank with Wells Fargo you can see your monthly updated FICO score for free but there are other ways to see your FICO. Experian app also shows your FICO. Just what I learned & what has worked for me 🙂 I personally wouldn’t pay someone to do what I can do, which is what I do. Free game!
What’s the credit bureau number
Credit Repair Companies don't work. I used Lexington Law before and the items removed were placed back on my report.... Lost tons of money for nothing...
yep... money wasted..
You just said it. Lexington money grab. From the stories I've heard you'll be paying for months and not know if they got something removed or not and your being billed montgly.
Lexington Law here in SC?? Honestly I’ve been cleaning up my credit. It jumped from 430 to 580, all I did was pay off debt and didn’t open new credit accounts. I still have stuff to pay off, so imagine when I pay it all off.
Do it yourself. It ain't hard.
@@sharae926 explain, what did you do and what was the response
We need more shows like this one.
peace; Something I am on very heavy on is keeping my credit good. This is definetly a topic most have no idea about.
Ya'll should have the Budgetnista on the show! She's great!
Morgane B ima dream chaser!
No Charlamagne again? This is one of those interviews when he would act deep and responsible and bring up the fact that he has a black bank account lmao
😂😂😂
willemdee he was there on her first interview
Yes she should come on the show at least once a week .
Great interview and real advice.
Angela stay interrupting and over talking!
Angela's mom must be so embarrased. Tell the whole world why don't you.
Bo Elle
Thx you guys
This is a useful interview!
When I first got my credit card I used it way more than I paid on it & my credit score was shitty. So I decided to have one small bill come from it every month (my Netflix bill) & cut the card up but keep it open. Then I started paying $10 on it every week & a few months later my credit score shot up to 710. Another thing... as far as hospital bills you can write a financial hardship letter asking the hospital to pretty much erase what you owe them because you are struggling financially. It doesn't always work, but it worked for me when I got into a bad car accident. I owed $22,000 & my insurance paid $16,000 so I owed $6000. I filled out a financial assistance form from the hospital & it knocked it down to $700 THEN I wrote them a financial hardship letter & to my surprise they completely ERASED THE $700 I OWED!!!
SlowClass Kai damn that's amazing.
Jaime Mootoo I know! So happy I wised up. & what's crazy is, I went to the bank a few days ago to transfer money & they offered me a second credit card w/ a $4600 limit because they said my credit is now a 756!🙌🏾🙌🏾🙌🏾 but I'm not really going to use that credit card either lol
SlowClass Kai you killing it. You can use that card cause it probably doesn't have interest for 12 or 15 months. Just don't go crazy and put like a rack on it lol
she's my second favorite guest next to Angela Rye.
Wow, thanks so much~!
Thanks so much ~!
Jeanne Kelly can child support come off your credit report?
It depends....are you current now? If it is current, call the department your account is within child support and ask them since the account is now current can this be updated as a current account or removed from my report. Good Luck. ***I would first have a copy of the credit reports before calling so you can see exactly how it is reported.
Credit Karma is Great~! The score they use is not the FICO score, but it still does help you see if the score goes up or down and a good way to stay focused on it.
Very informative!
The FICO score is the most common score, and 35% goes to Payment history and 30% goes to utilization. So if you pay on time and use only 30% (utilization) you will be good. If you want to boost your points, pay your credit card before the statement date, it will boost your score by a lot of points and it will last for 30 days, the only draw back is you have to keep it up because if you don’t you will lose the points.
credit warriors: each one teach one, on facebook. thank me later.
B Cuz thanks
The besttt
I LOVE credit warriors
I needed this interview, very informative .
THANKS
True Statement I Broke Up with Ex Fiance because She's Mess Up Credit & didn't Appreciated It &Since it was in my Name I took one for the Team
creditbosslady.com website is coming back with an error 502
I LOVE INTERVIEWS LIKE THIS
This interview help me a lot understand about credit card.
She right about the app it helps with organizing your bills. The app I use is called Bill organizer it’s green and has a checkmark. I just learnt how to build my credit at 24 by learning the hard way I paid all of my debt my credit went up at least 300 points and now I’m almost at 700 paying bills on time and using 30 percent of your credit cards helps a lot
student loans are messing me up
Ania Warren we can help! Text/call 573-340-3308
That's the only debt I have, damn student loans. I'll be paying on them for the rest of my life unless their somehow forgiven or if I come into some money lol
Courtney Mitchell Damn Queen, that’s crazy. Same here. Try to get revised repayment plan.
If they are in collections let's get them removed!
Diquanfranklin33@gmail.com
Good stuff, but the borrower is a slave to the lender...Proverbs 22:7...
Omar Branch you're not a slave if you choose to use credit. It's free will opposite of slavery. Its getting benefits from others people money
Props to Envy for this, I almost gave up on you, but then you had this idea.
Leveraging good credit with good business credit is really where it's at
What I got from this is that Envy and Yee ain't as sharp as I thought.....but it's cool though.....Smokey Voice
Or they are and they dumbed down so they can ask all the questions the rest of us need
7% my score 770 I keep my cards under 20% that's what I was told 20% might try the 7%
If it works for you keep it up
7% is unrealistic if you only have one card with a low limit.
@@shawn5mobile
Unrealistic?
7% is 7%
@@insomthegreat I'm coming from the stand point of using your card for an emergency (car repair) or even renting a car( you need a curtain amount of available credit) . 7% of $4000 is 280, 30% is $1200, that is a big difference. I don't want over $5000 in credit card debt in any given time , so I would need over $70000 in credit to stay under 7%. I will get there but it will take time.
Keeping them under 30% keeps your score high. Has worked for me for years.
That's right Daniel!
Clear credit score app. iPhone 🙌🏾🙌🏾
Wish they would have asked about Credit karma and others. How reliable are they?
Credit Karma is a great site for advice and getting your report.
Dave Ramsey would shun y'all for this 😅
hey breakfaast club more interviews about this please she has knowledge .. credit usage is important acess t money is important on god it is !!
What is the name of the website Jeanne Kelly mentioned about the small business loan? Thank you.
Nav.com
You owe somebody., pay them.
nbastar12223 fucking facts of life
My show is a socially conscious talk show that will enlighten, encourage, inspire, invite you to critically think & a lot more. Us Millennials have a unique position in this world and we have a voice. We will be heard ✊🏾
The Sabrae Show Live No.
Mr. Lynx thanks!
Stop with the foolery fool
Good SHIT!!!!
I've been saying that for years.
I lost my bank card at a Dunkin Donuts and some thot stole it and went crazy at Fashion Nova. I cringe everytime i see those instagram ads...
Jojos Mom why you didnt pause your card bro?
K1NGCED I honestly didn't realize that the card was lost until 3 days later. I don't use that card often and was just plain absent minded that day, most likely rushing lol. No worries though, they refunded my money. Now whenever I see chicks in Fashion Nova I wonder who she robbed to get it...
Jojos Mom 😂😂😭😭💀💀🤣🤣🤣
Oh my 🤣😂🤣😂😂. Sorry about what happened, but you are hilarious.
Am I the only one who noticed her say "you people"?
When?
At like 4:54. It's like she catches herself
Avg Vet She did catch herself.
Oh snap! She did say that. That’s troubling, to say the least.
I thought it was just me😒
melissa mccarthy is a actor,credit coach and a doctor Damn!!!
The 3 things I did that saved me and kept my credit score at an all time high.....I paid off my mortgage in 2010, bought my car and paid cash (no car payment) and I only have 2 credit cards. I use only one for big purchases. The second card has a zero balance....I keep in for emergencies only.
That seven years thing, the company can resale your debt and the debt is on your credit another 7 years.
Not true at all
Bring Dave Ramsey to the show 👀
amoneydaproducer Chris hogan
Either one
dave ramey gives horrible advice to low and middle class people
Anthony Cherry hows that? can you be specific?
I’m sooooo glad CTG wasn’t in this interview it make watching this 10X more enjoyable
love her