yea foreal its important,and can make you look real good when you in the dealership and make you feel good when you can pick what you want instead of what they try to give you
Just started learning about credit myself a couple years ago. Just a few tips for those wanting to build: Start off with a secured credit card, Keep your utilization down below 9% of your max each month, NEVER miss a payment. Using your card to "shop" is nonsense, it should mainly be used for small purchases such as gas, groceries etc... TH-cam is the new school, so instead of depending on school teachers to teach us, learn everything you can from here. Then cycle and provide this information to our youth.
26 with a 750! Honestly, I wouldn't have known about credit if I hadn't started working at a finance company post college. We need more education on things like this in schools. ESPECIALLY in the African American community.
Jay Morrison taught me about credit a long time ago from a interview on the breakfast club and now my credit is amazing! When I got approved for my Amex (10,000 CL)it was icing on the cake. Thanks jay!
Great Interview. Credit more important than air in America. If you have good credit, banks dont care about the money you have, the color of your skin, male/female or anything. Your 3 numbers are high you can have it all.
easier said than done nigga. at the moment things could be looking up for you (living within your means at the time) then at the drop of a dime your life is changed for whatever reason. its happened to me mayne. but im back on track through the grace of GOD. and my mama... lol
You're right, I'd like to suggest Dave Ramsey to you. he's a genius that preaches financial stability and says credit cards are no good. to each their own tho.
Is this one of those interviews where Yee will go "yeah, I always do that" or "I always tell my friends to do that" whenever the guest mentions something good you're supposed to be doing?
My advice is start off with a secure credit card, make small purchases of 5$, and $10. Pay it off on time every month. At that 6th month you should receive a letter or email with your scores.
i agree for the most part, but schools try to teach a lil bit of everything so when you go to college or figure out what you wanna do in life youll at least know the basics of what you need. for example, youre a machinist and you need trig +L. Thomas is an electrician and he needs algebra. yall could (if yall havent already) go to a college or trade school and further your knowledge in the specific subject yall need to be better at your job. GOD Bless
Lola D facts!! and ideally is correct... my parents were financially illiterate unfortunately and so we're theirs before them, so I'm now learning at the age of 26 the right way to do things 🤦🏽♀️
We should take it upon ourselves to go into these impoverished schools and present information on credit, mortgage, APR's, what benefits to choose when being hired at a new job. Life insurance, and retirement funds. We as parents should encourage these types of presenters.
Fixing credit is great!!! I love doing it myself. Changing lives after a boosted credit score feels incredible. She gave a lot of value I do agree but all she is offering is credit. check out my page. m.facebook.com/twiz.mane?ref=bookmarks we offer a lot with credit also.
Perfect interview. Just started my credit and this is very insightful and useful. Credit is basically trust. If no one trusts you, they won't want to help you!
my student loans were killing me, but I started opening up credit cards using them to pay certain bills. Never using more than 25% and it helped that I got a good paying job. In 4 months my c. score jumped 80 points. Also I got 1 thing removed each credit bureau by writing a letter.
Andre Norrils while this is possible, getting a home loan with no credit history is difficult. with no credit history it automatically makes you a high risk investment. most companies will outright deny you for not having credit history or too short of a credit history. The only way I know to get a no credit history loan is to more than likely go to a small lender as they are more flexible in general. credit unions, small banks, small lenders. FHA loans are your best route as I do not see a company approving you for a conventional with no credit. home loans are a big risk, so you're going to get a high rate for sure. its easier and better just to build some credit.
That's pretty good, DJ Envy's credit score was already high. It was just those two things that made his score look low. If you don't have a bunch of collections and you made your score go up 30 points that's really good. Usually that can take a year or a few months.
No Debit cards report to credit bureaus. That's one of the major differences between credit and debit. Although Russel was trying to build a reporting agency for Rush cards because people are building history with paying their rents and other bills on time using Rush Cards, so they should get credit for that.
relevant totally. Its ironic how I was just talking about changing my life around with my girl by filing bankruptcy and expunging my record. She covered some good topics about credit!!!
Listen to Grant Cardone not Dave Ramsey like he said debt is not your problem income is the more income I have the more I can handle debt . My dad was a big Dave Ramsey listener so all my life he taught me to pay cash for everything so I did like my cars and I never used checks or credit cards. The problem with that is one day you want to buy a home or start a buisness but I couldn't get approved for one because I didn't have enough credit established I had a low score and now my dad is a business owner with many credit cards what he should have done when I was younger was teach me how to be responsible with credit cards and build your credit not everybody has $200,000 lying around to buy a house cash and nowadays you need credit to get an apartment you need credit to get a great job you have to have good credit in your life. Even if you can pay cash for everything you should still have some good established credit. So I don't worry about debt anymore I just worry about bringing up my income to be able to handle that. All the billionaires in the world use credit you get free flyer mileage points and a bunch of great benefits. Coca-Cola caterpillar Apple Etc. Have more debt than they have income because they know they can handle their debt it's about education debt is not a bad thing. Cash is not King as soon as you give your money to the bank they immediately turned it into a digit and lend it out to other people. Do not be duped by Dave Ramsey trust me the studio that owns Dave Ramsey uses debt to fund him.
You shouldn't do that if the debt is actually yours. I'm looking to buy a house and lenders do not like to see disputes that are actually yours. If it's a fraud issue then it's okay to dispute. Tricking the system only works in certain situations. Believe me I'm 25 and I'm rebuilding my credit. There's so much to learn.
Some words of advice about credit: pay your bills on time, ideally pay your entire credit card balance each month, or don't let your credit card balance go over 30% of your balance (research this for the correct info.), and check your credit report yearly. Use a free credit report site for this.
To everybody talking about min payments hurt pay more than the Minimum it's your fault you in debt like me I have a home loan it's my fault for that debt if I can't pay it it's my fault when I signed them papers I told the bank I can pay if I don't pay they fucking my shit up I can't be mad even though I will be its still my fault for signing for that debt people don't like taking responsibility for they spending if you have a credit card that mean you signed for it YOUR DEBT IS YOUR FAULT!!!!!
Believe or not, Fingerhut and other store cards help boost your credit. Once you buy something, they automatically boost your limit in which improves your debt ratio.
u can do balance transfers but make sure you transfer the complete balance! not just part of it. if not u will get caught out there with that 6 month to a year low rate that will jump to 23% when its finished.
I love the stupid questions they are asking that they already know the answers to but they have to ask because half the people that listen to this show have never used plastic
having your parents bills in your name as a black kid is a #WholeDifferentExperience than what she is describing. end up having a whole car, stove, and light bill in your name before you turn the age of 1
i've been told several times don't get a credit card, what do you guys think? never had one ... only 22 ... my score is up there pretty good because im paying off student loans
I think you should get one and be smart about it. As soon as you use it, pay it off, and keep your balance low. Having it on your credit file and in good standing will be beneficial to you :)
those who tell you not to get a credit card are just scared of credit. its the old way of thinking. people don't understand it, dont want to learn how to understand it so they just tell the kids not to get one. you should definitely have one, just use it responsibly.
how to get credit to begin with? how do you get credit if you never had it. do you shop in Fingerhut? what is credit? oh well my screen says an error occurred please try again so I only heard3-4minutes worth. yes they say the more you check your score the lower your score will be. I checked one time in my life but had to jump thru so many hoops just to check it. don't know what the score was but I do know that never having credit to begin with is worst then having bad credit. Bad credit better then no credit?
Yeah Breakfast club rocks! that was super cool to have an actual interviewee, respond to me personally in the comment section. thought I was dreaming that morning. I Subscribed to her channel and will be going to it from time to time. she inspired me to establish credit. Cashier be like debit or credit and I be like "Debit Duh". to me Debit is a big accomplishment. this chick is just an inbox away
I think too many people have a misconception about credit cards. Alot of people think it's the worse thing in the world. Actually, it's people's mindset with them. Credit cards aren't a ticket to buy things you know you don't have money for. Use it as a tool and pay for things you already pay for. Like cell bills and gas. An excellent credit score will save you several thousands of dollars when it comes to financing a home or car vs a mediocre score.
You definitely can remove bankruptcy. It’s not about getting hung up on weather or not it’s real, it’s about the rules being followed properly when it’s reported. That’s why we have the FCRA.
guest on the Breakfast club teach me more life lessons than my teachers did in high school
Big up to Envy for asking her "explain to people" this phrase fits perfectly for this interview.
haha
Fr tho 😂
the interview of Envy's life
,
yea foreal its important,and can make you look real good when you in the dealership and make you feel good when you can pick what you want instead of what they try to give you
Just started learning about credit myself a couple years ago. Just a few tips for those wanting to build:
Start off with a secured credit card, Keep your utilization down below 9% of your max each month, NEVER miss a payment. Using your card to "shop" is nonsense, it should mainly be used for small purchases such as gas, groceries etc...
TH-cam is the new school, so instead of depending on school teachers to teach us, learn everything you can from here. Then cycle and provide this information to our youth.
NicoVersace where are u getting 9%
It can go pass 9% but not over I think it was 15% that can mess you up bad
Julian Moran utilization is 30% of overall fico score, if you are trying to increase credit score or get high limit cards 9% or less is the best way.
Well said
26 with a 750! Honestly, I wouldn't have known about credit if I hadn't started working at a finance company post college. We need more education on things like this in schools. ESPECIALLY in the African American community.
Need more videos like this. I had credit score of 508 three years ago. im at 742 now. Credit is extremely important. Should be taught in school
Educate the people! Love these types of interviews :) Happy Friday everyone!
And we love your smile happy Friday to you too
Exactly. I'm glad they had a show that's actually useful.
Maybe Its The Thug In Me thank you 🤗
Good news. Thanks
I love this had a 490 now i have a 700 and still growing. Credit is a major key!
how long did it take you? And did you have previous credit history?
Stop lying
Jay Morrison taught me about credit a long time ago from a interview on the breakfast club and now my credit is amazing! When I got approved for my Amex (10,000 CL)it was icing on the cake. Thanks jay!
It is possible. You have to know how to play the game. What's your biggest issue on your credit report?
It took me 2 years of learning adding positive credit and getting negative items deleted.
And this is why you have to love the Breakfast Club! Good stuff Guys!
Great Interview. Credit more important than air in America. If you have good credit, banks dont care about the money you have, the color of your skin, male/female or anything. Your 3 numbers are high you can have it all.
that's not true. Race still is a factor in loans that are given, especially when they consider the zip code of an address.
False. Debt to income ratio weighs heavy as well.
Heavy is contextual, still intangible.
what is debt to credit ratio
Moe P your current balance versus your available credit
When I was 20 the lady at the bank sat me down and explained to me how to build my credit and the do's and don'ts. Thanks lady at the bank.
Key rule to financial stability : Don't create unnecessary debt
AMENNNNNN
easier said than done nigga. at the moment things could be looking up for you (living within your means at the time) then at the drop of a dime your life is changed for whatever reason. its happened to me mayne. but im back on track through the grace of GOD. and my mama... lol
You're right, I'd like to suggest Dave Ramsey to you. he's a genius that preaches financial stability and says credit cards are no good. to each their own tho.
this is the difference between Breakfast Club & Hot 97
sub me
What if she goes on Hot 97?
Eating off TBC leftovers, just like the Birdman situation
***** I prefer TBC over Hot 97 but TBC kiss more ass than Hot 97. Let's keep it real.
Is this one of those interviews where Yee will go "yeah, I always do that" or "I always tell my friends to do that" whenever the guest mentions something good you're supposed to be doing?
She would be the worst friend. She makes it seem like shes perfect at everything with her 800 credit score. lmao
sub me
+xoRachelRoxy sub me
Most be a Capricorn thing because both of my sisters are the same way. In my head I'm like STFU.
I too have an 800 credit score (26 yr old)
My advice is start off with a secure credit card, make small purchases of 5$, and $10. Pay it off on time every month. At that 6th month you should receive a letter or email with your scores.
👍👍👍👍👍
It really helped me out too
Agreed! You should never pay the minimum, always pay the entire balance
Christal williams its really good i found out to leave a lil something owed to them it keeps your credit line open..i know it sounds crazy right
Wow. Why did I take so long to listen to this video smh. I though it would be boring but it's life changing.
She's right. I got a secured card a couple months ago, and as soon as I opened it, my score was up 50 points immediately.
loved it, that was right on time for me
i can be on time for you too ma
let me fix yo credit ma
hahahahaha yall nigga thirsty AF LOL that could be a gay ass nigga catfishing yall dumb asses!
spadedot lmao relax
This shit is too good. Haha 😂😂
the Breakfast Club does the best interviews
This what they need to teach in school instead of fucking Masturbation!! Smh Idk shit about Credit!! No Credit Gang
I agree! Taxes also
YUP!
They do, my child high school offers it (NC), and plus it counts as a college credit. Students just don't take it...Mines did...
Just black Folks...? I know A lot of different races, that don't know shit about credit!
That's not an excuse fam. The Internet is a vast resource. You could be learning rn
This was awesome please keep giving us helpful & useful content!!?
My moms always told me "we're poor keep your credit clean" lmao. My score is a 802.
schools dont teach you anything you can use in life, still dont use algebra and i was good at it
become an electrician we use it all the time
really ? im a machinist so geometry and trigonometry i use
i agree for the most part, but schools try to teach a lil bit of everything so when you go to college or figure out what you wanna do in life youll at least know the basics of what you need. for example, youre a machinist and you need trig +L. Thomas is an electrician and he needs algebra. yall could (if yall havent already) go to a college or trade school and further your knowledge in the specific subject yall need to be better at your job. GOD Bless
Yes I'm a union electrician so I've been to trade school and had training .....
Lola D facts!! and ideally is correct... my parents were financially illiterate unfortunately and so we're theirs before them, so I'm now learning at the age of 26 the right way to do things 🤦🏽♀️
The breakfast club teaching people something in important that years of American public education neglected in one video 👀👀
We should take it upon ourselves to go into these impoverished schools and present information on credit, mortgage, APR's, what benefits to choose when being hired at a new job. Life insurance, and retirement funds. We as parents should encourage these types of presenters.
+Michelle not great idea!
Michelle not i couldn't agree more!!
Thank you so much for having her on. Very good information. I look forward to linking up with her to FIX MY LIFE! #GreatShow
Fixing credit is great!!! I love doing it myself. Changing lives after a boosted credit score feels incredible. She gave a lot of value I do agree but all she is offering is credit. check out my page. m.facebook.com/twiz.mane?ref=bookmarks we offer a lot with credit also.
Perfect interview. Just started my credit and this is very insightful and useful. Credit is basically trust. If no one trusts you, they won't want to help you!
Great Interview thanks for having her & giving us some helpful content!!
Two words...Credit Karma
This was perfect I’m glad I finally watched
they should do more show's like this educating the young and old about credit, insurance, savings, retirement accounts, 401k, roth ira's
Great information! This is why the breakfast club is the best radio show!
my student loans were killing me, but I started opening up credit cards using them to pay certain bills. Never using more than 25% and it helped that I got a good paying job. In 4 months my c. score jumped 80 points. Also I got 1 thing removed each credit bureau by writing a letter.
FYI you can still buy a house without credit. Go to a mortgage company that does Manuel underwriting.
Andre Norrils while this is possible, getting a home loan with no credit history is difficult. with no credit history it automatically makes you a high risk investment. most companies will outright deny you for not having credit history or too short of a credit history.
The only way I know to get a no credit history loan is to more than likely go to a small lender as they are more flexible in general. credit unions, small banks, small lenders. FHA loans are your best route as I do not see a company approving you for a conventional with no credit. home loans are a big risk, so you're going to get a high rate for sure. its easier and better just to build some credit.
Credit experts: the unheralded saviors of the modern free world! Thanks for this, Breakfast Club: much appreciated.
Love interviews that teach!!!
it took me 30 days to make my score jump 30 pts but 140 in 10 days?!?😥
That's pretty good, DJ Envy's credit score was already high. It was just those two things that made his score look low. If you don't have a bunch of collections and you made your score go up 30 points that's really good. Usually that can take a year or a few months.
Rush card is a pre-paid debit. It's not the same thing as a secured credit card. Feel free to correct me if I'm wrong.
your exactly right
yee and charlamagne putting wax's credit score out there is kind of wack lol
man wax is fine. he work for charlamagne and got a chicken farm.
Good show! She gave very useful information.
Great interview!
Rush Card doesn't report to the credit bureau
lmao
No Debit cards report to credit bureaus. That's one of the major differences between credit and debit. Although Russel was trying to build a reporting agency for Rush cards because people are building history with paying their rents and other bills on time using Rush Cards, so they should get credit for that.
Need to get Dave Ramsey on The Breakfast Club he is on the other end of the spectrum of credit...
I'm sitting at a cool 660 right now, this is really insightful advice
This was so good for the culture. Goodlooking.
Finally got rid of my credit card and started the Dave Ramsey plan. Wish I would have done it 5 years ago
Thanks I needed this..
Also, there is credit protection insurance for job loss, disability, etc. Check with your lender.
Thanks people need this information.
relevant totally. Its ironic how I was just talking about changing my life around with my girl by filing bankruptcy and expunging my record. She covered some good topics about credit!!!
yal should have Dave Ramsey on the show
Good one!
Seriously. This video is making me sick. Going to hear Dave right after.
ChooseLife 83 They won’t understand Dave because the breakfast club thinks credit is king.
The borrower is slave to the lender.
Listen to Grant Cardone not Dave Ramsey like he said debt is not your problem income is the more income I have the more I can handle debt . My dad was a big Dave Ramsey listener so all my life he taught me to pay cash for everything so I did like my cars and I never used checks or credit cards. The problem with that is one day you want to buy a home or start a buisness but I couldn't get approved for one because I didn't have enough credit established I had a low score and now my dad is a business owner with many credit cards what he should have done when I was younger was teach me how to be responsible with credit cards and build your credit not everybody has $200,000 lying around to buy a house cash and nowadays you need credit to get an apartment you need credit to get a great job you have to have good credit in your life. Even if you can pay cash for everything you should still have some good established credit. So I don't worry about debt anymore I just worry about bringing up my income to be able to handle that. All the billionaires in the world use credit you get free flyer mileage points and a bunch of great benefits. Coca-Cola caterpillar Apple Etc. Have more debt than they have income because they know they can handle their debt it's about education debt is not a bad thing. Cash is not King as soon as you give your money to the bank they immediately turned it into a digit and lend it out to other people. Do not be duped by Dave Ramsey trust me the studio that owns Dave Ramsey uses debt to fund him.
Jeanne Kelly should make this credit building a College course...!! This would be a GREAT class..!!
why is angela yee dressed like a hospital patient?
Who in the Hell Dislikes this, whoever dislikes this I bet have horrible credit lol Pay Attention man
Plus you can dispute credit send a letter to the credit bureau
Yep. Envy could have done that himself.
Yep. Envy could have done that himself.
You shouldn't do that if the debt is actually yours. I'm looking to buy a house and lenders do not like to see disputes that are actually yours. If it's a fraud issue then it's okay to dispute. Tricking the system only works in certain situations. Believe me I'm 25 and I'm rebuilding my credit. There's so much to learn.
Envy slow ass didn't even know the credit bureau had a phone number.
Great interview
her voice sounds like melissa mccarthy
that's a fact
great informational interview
Some words of advice about credit: pay your bills on time, ideally pay your entire credit card balance each month, or don't let your credit card balance go over 30% of your balance (research this for the correct info.), and check your credit report yearly. Use a free credit report site for this.
Pay the extra $1 to $5 to get a FICO score.
Bigger advice don’t get a credit card use your ATM Card. The borrower is slave to the lender.
Wished they would of asked Dr Boyce Watkins these questions when he was on here.. I swear ppl forget that he has a Doctorate in Finance.
Dave Ramsey it's about cash only. Zero debt pay cash for cars and frig. Cash is better than credit
I miss the old breakfast club & the old interviews
Her website should have been linked below 🙄
Great info!
Angela do what I start doing; spend everything on my card, earn my rewards, then pay it off with my bank account. Use your credit cards responsibily
It’s so sad that this only has less than 200k views and Soulja boy and 69 interviews has 17 mil views..shows how lost we are as a people
Because everyone want to act like they have great credit until they need to apply for something.
Student loans has been the bane of my credit existence!
8:25 Epic! He love to talk about how much he love DI&k
Charlemagne needs to stop acting goofy....this woman is actually trying to teach us something and he's over there cracking jokes
140 points in 10 days?Word!
Know how to get good credit pay your damn bills thank you
Do you mean "know"?
it is really that simple people. like for real for real
Lmaooooooo
but u need credit card to get credit am I right. I dnt have a credit card. I thought dat was a good thing to just have debit card
To everybody talking about min payments hurt pay more than the Minimum it's your fault you in debt like me I have a home loan it's my fault for that debt if I can't pay it it's my fault when I signed them papers I told the bank I can pay if I don't pay they fucking my shit up I can't be mad even though I will be its still my fault for signing for that debt people don't like taking responsibility for they spending if you have a credit card that mean you signed for it YOUR DEBT IS YOUR FAULT!!!!!
I'm so glad Envy asked about Trade Lines
What would you like to know about them
How can I remove these inquires off my list without waiting 2 years ????
The Breakfast Club is dope for this
Thanks
Envy is extra goofy
Believe or not, Fingerhut and other store cards help boost your credit. Once you buy something, they automatically boost your limit in which improves your debt ratio.
Jay Morrison said to divide your credit card limit by 3. that becomes your new limit and you'll never go over. secured credit cards are the best.
I want this woman's info.
I'm pimpin that wells fargo secured card. credit score going up like a crescendo!
Angela low key gives the best advice!!
u can do balance transfers but make sure you transfer the complete balance! not just part of it. if not u will get caught out there with that 6 month to a year low rate that will jump to 23% when its finished.
Paying down the mortgage is good! It lowers your balances and paying more directly to principal makes less available to charge interest on...
You don't need a counselor. Pay your bills and it clears up within a month.
Envy "explain to the people..." famous phrase was useful this interview fam...
is angela yee wearing a hospitall sheet ???
She's wearing one of those protective guards you put on at the barber shop. Tacky, tacky girl. Lol
you wild cuz
I love the stupid questions they are asking that they already know the answers to but they have to ask because half the people that listen to this show have never used plastic
where can I find her, I have some questions to ask her..
www.JeanneKelly.net
DJ Envy: “So explain to the people what a credit card is - for those that don’t know”
My score is Good 793
having your parents bills in your name as a black kid is a #WholeDifferentExperience than what she is describing. end up having a whole car, stove, and light bill in your name before you turn the age of 1
I swear!
+Kearia Rayson it's funny I've seen you before. you graduated with my little brother
🤣🤣🤣
Credit is never boring .. The waiting is. Boring at times
DEY ALL HATERS FO NOT MENTIONING CREDIT KARMA! I fixed most my credit in 3 months with dat joint! #GetInformed
i've been told several times don't get a credit card, what do you guys think? never had one ... only 22 ... my score is up there pretty good because im paying off student loans
I was feeling the same way you were; but here is an article on the subject. www.thestreet.com/story/10340937/2/10-reasons-you-need-a-credit-card.html
I think you should get one and be smart about it. As soon as you use it, pay it off, and keep your balance low. Having it on your credit file and in good standing will be beneficial to you :)
those who tell you not to get a credit card are just scared of credit. its the old way of thinking. people don't understand it, dont want to learn how to understand it so they just tell the kids not to get one. you should definitely have one, just use it responsibly.
If you're black , I guarantee the middle numbers on your social security are even . Major Key
It adds up to an even number but all of them exacept for one are odd. What are ur middle numbers and last 4 digits
also, what are your first three numbers?
Has anyone been to her website I am trying to get to it.
just go to me TH-cam, you'll have all the information you need. Also I answer questions.
Credit Score 782 !
how to get credit to begin with? how do you get credit if you never had it. do you shop in Fingerhut? what is credit? oh well my screen says an error occurred please try again so I only heard3-4minutes worth. yes they say the more you check your score the lower your score will be. I checked one time in my life but had to jump thru so many hoops just to check it. don't know what the score was but I do know that never having credit to begin with is worst then having bad credit. Bad credit better then no credit?
credit karma......website....good luck
Try to get a secured credit card and start building your credit history.
Thanks for your response
Jeanne Kelly do you have contact info?
Yeah Breakfast club rocks! that was super cool to have an actual interviewee, respond to me personally in the comment section. thought I was dreaming that morning. I Subscribed to her channel and will be going to it from time to time. she inspired me to establish credit. Cashier be like debit or credit and I be like "Debit Duh". to me Debit is a big accomplishment. this chick is just an inbox away
I don't think they removed the background bottles since Farrakhan lol
Yee got that will smith hospital gown from when he got his tonsils taken out lls
I think too many people have a misconception about credit cards. Alot of people think it's the worse thing in the world. Actually, it's people's mindset with them. Credit cards aren't a ticket to buy things you know you don't have money for. Use it as a tool and pay for things you already pay for. Like cell bills and gas. An excellent credit score will save you several thousands of dollars when it comes to financing a home or car vs a mediocre score.
You definitely can remove bankruptcy. It’s not about getting hung up on weather or not it’s real, it’s about the rules being followed properly when it’s reported. That’s why we have the FCRA.