This is the thing that pisses me off. why don't they teach us this in at least senior year of high school? you were able to explain the very basics of this so well and if any teacher could pull out 10 minutes to their time to explain this the very same way you did the world would be a better place. I mean this could save a lot of young adults who are just starting their "I'm an adult now" phase lol x333
I agree but that's not what the States allow them to do. Now all the CAN focus on is testing and crap like that lol But I learned a lot of this my Freshman year and college and doing research. BUT I agree 100%, the defiantly should teach this in schools. Thank you for your support. It means a lot to me. If there are any other topics you would like for me to discuss, please let me know.
Ana Ramos It's because the government doesn't want us to know these things, they do everything In there power to keep us dumb and asleep. This is one of the many ways they keep getting richer!
Ana Ramos It's your parents responsibility to teach you about personal finances. There's lots places that offer classes or online resources to help you get a better grasp of your finances. I personally took an accounting course when I was 16 and really enjoyed it.
Only one thing you forgot that does impact your credit directly is, debt to INCOME ratio. If you only make $30k a year but you have a car loan for $25k, credit cards in the excess of $10k, mortgage and more if heavily impacts your income negatively.
On free annual credit report site I believe that's the name lol you can get your free annual report from all 3 bureaus they also allow you to dispute items on your report. Dispute them all and if the creditors do not respond in 30 days to your dispute the items will be removed. After the 30 days whatever is left on your credit report itemize them by your ability to pay. From lowest to highest or vice versa contact the creditors to negotiate the debt. Only pay off the debts they are willing to remove from your credit. Sometimes they won't offer a discount if you want it removed from the credit they will require the debt be paid in full. Any debts that creditors will not agree to remove from your credit once paid shouldn't be paid because it will not improve your score even after paying it off. So there's really no point. If they agree ask for something in writing for your records that states their agreement to contact the bureaus in 30 days for removal. Get a secure card if possible and believe or not your credit status is still considered for secure cards even though it's your own money they will look at that. Try paying off the affordable debts first. If you know someone with great credit ask to be a authorized user on their account to help improve your credit. Sweeten the deal by telling them that you don't need to card they don't have to tell you any account you just want to improve your credit by using there's. It helps. 😊 the tips in this video are absolutely awesome and she's right these steps are things you can do on your own to help improve your credit. Credit karma is great for keeping track of your credit. Good luck everyone! This was helpful to me and I need to better my credit as we speak lol
I'm 20 and I never knew I had credit because I dont have anything in my name or anything, I literally found out two days ago. It's a little under 650 so there's definitely room for improvement but I feel pretty good that I started off kinda okay for not knowing I had any credit in the first place 🤷🏾♀️
My biggest tip that slightly helped my credit score is when I got laid off my job I completed an application for economic hardship for my hospital bill and submitted it! Less than 30 days later my full 500-600$ bill was fully forgiven ❤️
Contact john_mcnees on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .
good credit is around 700. To establish and repair credit, ask your bank for a secured credit card vs an unsecured credit card. If you owe money to collections, make a deal to pay less than you owe...get agreement in writing...pay them. Apply for secured credit card, don't run it up...only use to buy gas etc and pay off monthly. After a while get another card...don't pay anyone to repair your credit...credit repair does not work
Hey Brittany, if I'm trying to find a beginner credit card with small interest rates, which ones would you recommend? Hope to hear from you soon! -Much love xoxo
Hey girl!!! It honestly depends. You will have to do your research and see what card company will work best for you. I recommend trying to get a credit card with 0% interest for 12-18 months. That way, as long as you pay onetime and never go above your credit limit, you won't have to pay any interest. Unless, you miss a payment or don't pay it off in time, you will owe all the back interest on what you purchased so pay off your card. Let me know how it goes!
I'm so grateful I've found you . I've just graduated from high school & is trying to get my life in order😩. You're videos have educated me a ton . Thanks💓. Can we get a video about taxes ??
Contact john_mcnees on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .
It hurts that my mom didn't sit down and have this talk with me. I'm learning so much as I go along in life, but now I need help. I was in the hospital last year with no insurance, and now I have these medical bills sitting in collections. I used credit karma to find the company namrs, but I can't find any way to contact the companies. Any way to solve this problem?
Can you make a "how to do your taxes on your own " video please! Iv been working on my credit since I graduated high school (4 years ago) and so far I'm doing great, I would love to learn how to do my own taxes as well! Great video!
Honestly, it's any credit card you can pay off fully at the end of each bill cycle and any card you can get the lowest interest rate. Your first credit car will most likely have a very low credit limit ($300-$500). If you only charge things you can pay off immediately, then that's the card for you. If you won't be able to pay it off, I would wait so you don't mess up your credit.
The only other thing I recommend knowing is the statement date on your credit cards. I try to get my balanced paid off or as low so can get it before the statement is issued. That way my debt to credit ratio is as low as I can get it reported for that month.
My mom jacked up my credit before I even got a chance to know what it was then I went to college on top of that. I'm building it now which is good but I'm kind of in a ditch with it and I have to move out in a few months
Brittanyyyy helpppp!! What if I pay everything in cash and I do not have a way of proving I pay my rent on time, & phone bc its all cash and I want to get a brand new car
Get a secured credit card by putting down a deposit and generating a payment history. Store cards like myjewelers, fingerhut, I have a gas card. These all make a payment history on your credit report. Self-Lender is another option, borrow 500, secured in a CD and pay 25 for two years or 48 for one year and the CD is yours after its paid off. Its all about creating a record of borrowing money and making your payment on time, then lenders will be more willing to work with you. (Secured cards like OpenSky don't pull your credit, Capitol One, pulls all three reports but can be upgraded into an unsecured card) Just ask the card company if it can be upgraded to retain your payment history of a year or longer. Good Luck!
Contact john_mcnees on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .
Hey love this info, what if I used over 30% on my credit utilization alot but have all on time payments I've had the credit card for a year now should I apply for a credit limit increase now
Contact john_mcnees on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .
Very informative video. I don't have my social and have a credit card and maintain it with discipline exactly as u mentioned in the video. Will I still have my credit score? I would be taking my social soon. Just curious! 😄Thank you.
Contact john_mcnees on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .
I don't have any credit yet, but I'm planning on starting it because my boyfriend and I want to get married in a year or two. Because we are not "apartment people", we want to buy a house thinking of it as our house for at least 10-15 yrs ( if it's God's will). My boyfriend doesn't have credit yet, but his dad is going to help him get his so either of us can buy the house beforehand and then get married. Do you think it's possible for us to get good credit in such short time? And what do you recommend us doing when getting a house?(We live in Michigan btw). Thanks beforehand. Great video.
Hello Pamela, I'm not a buying house expert BUT I will share what I know. Firstly, you will need credit to buy a home at a good-great interest rate so the sooner you start the better. UNLESS you have a lot of money saved to put as a down payment or to buy the house out right. MAKE SURE you want to buy a house before you get married. God forbid you guys decide to end things, it's hard to sell and split a house, It's a long process like divorce. SO PRAY on that and make absolutly sure that's what is best for the both of you before doing that. Also, there is no quick ways to get good to great credit. It takes time and a few years to establish credit history. BUT you can do it! If both of you start small (because you aren't married you have seprate credit histories) start with a small credit card and pay it off all the way every single month. Pay all of your bills (rent, car note, cell phone, student loans... whatever) on time and in full every month. Your income helps your credit score so getting a raise, or having a side business (legally with documentation) will help also. If you arn't in a rush to get married, I wouldn't rush to buy a house. Give yourself a 3 year to 5 year goal so both of you can establish some credit, save for a down payment, and then get the house. Also, speak to a professional in this feild who can give you the best advice possible. I hope I helped. Good Luck!
Ok, 18 is a great time to start establishing your credit. You will have to start small with a card with an ok interest rate. Mine was a $300 limit. If you get a credit card from a bank and pay off the balance every month ONTIME, it will help your credit grow. This takes time and right now you only need one. NO more. Only charge what you can pay off right away. So that may be a meal or a clothing item. Act like the rest of the credit doesn't exist and only use a very small amount every month, and as soon as you spend it, take your money and pay it off. Don't look at credit as free money, the more you use the more money you will have to pay back in the long run. Pay it all off every single month or time. If you ALWAYS do this, your credit will grow and you will get more credit. This is just the first step. So don't get over your head, you have plenty of time. Let me know if this helps and keep me posted.
Brittany Daniel I'm kind of nervous about credit cards. I'm 18 too. Is there a way to build it up without getting a card? I plan on looking for a decent car to put a down payment on. If I pay that on time will it build my credit?
Contact john_mcnees on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .
Correct, however, it still gives you a better idea of what can possibly be on your credit report. It can be difficult to get your own credit info from credit burials smh. lol Thanks for the feedback!
FICO & Vantage are two different scoring models, the number is not real important because there is different models depending upon what type of loan you are attempting (general, auto, home, credit cards, etc). Monitoring the negative and eliminating late payments, collections, charge off will give you a good score because these are credit killers.
Contact john_mcnees on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .
Contact john_mcnees on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .
Contact john_mcnees on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .
Contact john_mcnees on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .
Contact john_mcnees on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .
Contact john_mcnees on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .
Contact john_mcnees on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .
Actually, if you're American, paying everything in cash will hurt you in the long run. If you want to purchase a house or car, you will need credit history. No credit is almost as bad as bad credit. Do your research and just because you have a credit card doesn't mean you have debt. You can PAY IT OFF every month and have no debt but no credit history is the worst thing you can do for yourself. Unless you have over $300,000 or so in cash to drop on a house...you should do some research on your theory.
I purchase my cars in cash and a house...I think I will continue saving instead of taking a 35 yr mortgage...and then buy something I can afford. I sleep in peace knowing I dont owe nothing to no one...but to each there own.
Contact john_mcnees on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .
Hi Brittany I'm bout to turn 18 and I want to get on my credit asap. No, I don't want credit cards to just have and splurge I actually To start early and build up my credit . I just want low limit...like $300 - $500 limit and only use it for emergencies. What secured credit card company would you prefer for a 18 year old .
It depends. Everyone's needs are different but I would try to get one that has a LOW interest rate and low annual fees to start. Don't apply to all of them but research the one that bests sues your needs. Start off looking into one that your bank offers, citi bank, wellsfargo, USAA (if you qualify to get with USAA) but low fee's and interest are keys!
This is the thing that pisses me off. why don't they teach us this in at least senior year of high school? you were able to explain the very basics of this so well and if any teacher could pull out 10 minutes to their time to explain this the very same way you did the world would be a better place. I mean this could save a lot of young adults who are just starting their "I'm an adult now" phase lol x333
I agree but that's not what the States allow them to do. Now all the CAN focus on is testing and crap like that lol But I learned a lot of this my Freshman year and college and doing research. BUT I agree 100%, the defiantly should teach this in schools. Thank you for your support. It means a lot to me. If there are any other topics you would like for me to discuss, please let me know.
You hit the nail on the head... things like this should be taught to us
Ana Ramos It's because the government doesn't want us to know these things, they do everything In there power to keep us dumb and asleep. This is one of the many ways they keep getting richer!
Ana Ramos It's your parents responsibility to teach you about personal finances. There's lots places that offer classes or online resources to help you get a better grasp of your finances. I personally took an accounting course when I was 16 and really enjoyed it.
Economics class. I took it.
I just started watching your videos and I can't stop watching 😭😭 these budgeting tips are lifeeee
Thanks so much!!!
That makes the two of us babe
Only one thing you forgot that does impact your credit directly is, debt to INCOME ratio. If you only make $30k a year but you have a car loan for $25k, credit cards in the excess of $10k, mortgage and more if heavily impacts your income negatively.
Thanks so much for the comment!
Brittany Daniel You are very welcome:)
credit karma does not pull all three bureaus. only Equifax and Transunion.
SoSoSteph what’s the other one ?
@@buba_Dukz experian
I just did my taxes Tuesday. I stayed up all night. I added up all my receipts and made sure I included all my deductions
Go girl!!!
Great video! Please do "how to do your own taxes".
It will be up at 9am tomorrow!
On free annual credit report site I believe that's the name lol you can get your free annual report from all 3 bureaus they also allow you to dispute items on your report. Dispute them all and if the creditors do not respond in 30 days to your dispute the items will be removed. After the 30 days whatever is left on your credit report itemize them by your ability to pay. From lowest to highest or vice versa contact the creditors to negotiate the debt. Only pay off the debts they are willing to remove from your credit. Sometimes they won't offer a discount if you want it removed from the credit they will require the debt be paid in full. Any debts that creditors will not agree to remove from your credit once paid shouldn't be paid because it will not improve your score even after paying it off. So there's really no point. If they agree ask for something in writing for your records that states their agreement to contact the bureaus in 30 days for removal. Get a secure card if possible and believe or not your credit status is still considered for secure cards even though it's your own money they will look at that. Try paying off the affordable debts first. If you know someone with great credit ask to be a authorized user on their account to help improve your credit. Sweeten the deal by telling them that you don't need to card they don't have to tell you any account you just want to improve your credit by using there's. It helps. 😊 the tips in this video are absolutely awesome and she's right these steps are things you can do on your own to help improve your credit. Credit karma is great for keeping track of your credit. Good luck everyone! This was helpful to me and I need to better my credit as we speak lol
I'm 20 and I never knew I had credit because I dont have anything in my name or anything, I literally found out two days ago. It's a little under 650 so there's definitely room for improvement but I feel pretty good that I started off kinda okay for not knowing I had any credit in the first place 🤷🏾♀️
I'm so happy you're taking the time to learn about your credit. It makes a big difference in your adult life!
Good information Brittany. You broke it down very well. Keep up the good work!
I appreciate that very much.
This was a great video and I understood everything to the fullest.
Thank you very much. Please let me know if there are any other videos you want to see.
Omg super freken helpful. I learned more then 6 months in economics.
My biggest tip that slightly helped my credit score is when I got laid off my job I completed an application for economic hardship for my hospital bill and submitted it! Less than 30 days later my full 500-600$ bill was fully forgiven ❤️
Contact john_mcnees on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net
His fast and reliable .
This was actually really informative.
Thank you.
This video was very helpful! Please make a video on how to do your taxes. That would help me so much!
I recorded it today. I plan to have it up on Thursday.
I love your videos! Very informative 😊
good credit is around 700. To establish and repair credit, ask your bank for a secured credit card vs an unsecured credit card. If you owe money to collections, make a deal to pay less than you owe...get agreement in writing...pay them. Apply for secured credit card, don't run it up...only use to buy gas etc and pay off monthly. After a while get another card...don't pay anyone to repair your credit...credit repair does not work
Thank you so much for breaking this down. Really enjoyed how informative this was. I never knew it hurts you for them to keep checking your credit.
Girl yes, it does. But I'm happy this helped you.
Hey Brittany, if I'm trying to find a beginner credit card with small interest rates, which ones would you recommend? Hope to hear from you soon! -Much love xoxo
Hey girl!!! It honestly depends. You will have to do your research and see what card company will work best for you. I recommend trying to get a credit card with 0% interest for 12-18 months. That way, as long as you pay onetime and never go above your credit limit, you won't have to pay any interest. Unless, you miss a payment or don't pay it off in time, you will owe all the back interest on what you purchased so pay off your card. Let me know how it goes!
Okay, thank you! Will do!
I have 5 credit cards all of them have different APR. Should I put extra money towards the highest APR, or the card with the highest utilization?
Thanks for taking your the time to explain how to get credit information it makes sense I appreciate this video.
Thank you, I'm happy to help!
Very well explained , thank you !😁👌🏽
Thank you very much!
Is there a video on how to do taxes yet? That would be sooooo helpful
I'm so grateful I've found you . I've just graduated from high school & is trying to get my life in order😩. You're videos have educated me a ton . Thanks💓. Can we get a video about taxes ??
Does this apply only in the U.S?
this video was on point slot of us needed this please continue to advertise more videos on tips like this Thank you so much Brittany God bless u
This girl so Smart
Smart video! I sent to my young daughter. Easy to understand and Thorough!! Thanks Hunny 🙏
thank you for sharing. That means a lot. I'm happy to help
You are the 💣.com 🙌🏽🙌🏽🙌🏽 I wasn't even looking for this but I'm glad I clicked on this.. This was very helpful information.
Good job. Love your teaching style! Keep it up
Contact john_mcnees on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net
His fast and reliable .
It hurts that my mom didn't sit down and have this talk with me. I'm learning so much as I go along in life, but now I need help. I was in the hospital last year with no insurance, and now I have these medical bills sitting in collections. I used credit karma to find the company namrs, but I can't find any way to contact the companies. Any way to solve this problem?
Thank you for making the video
Can you make a "how to do your taxes on your own " video please! Iv been working on my credit since I graduated high school (4 years ago) and so far I'm doing great, I would love to learn how to do my own taxes as well! Great video!
What's your suggested credit card for college students? Should I get one while in college or once I'm in grad school?
Honestly, it's any credit card you can pay off fully at the end of each bill cycle and any card you can get the lowest interest rate. Your first credit car will most likely have a very low credit limit ($300-$500). If you only charge things you can pay off immediately, then that's the card for you. If you won't be able to pay it off, I would wait so you don't mess up your credit.
Brittany Daniel u
Thanks girl for the great tips because I was surely thinking about closing a credit card. Also those student loan payments are no joke 😩
Great video on financial literacy Soror!
Thank you Soror!
Yaaassssss sis! Spread the knowledge!
Thank you girl!
What is a good credit repair website?
Very well said Brittany your awesome 👏🏾
Thanks for this video. It really helps me a lot.
Thanks for the Love.
The only other thing I recommend knowing is the statement date on your credit cards. I try to get my balanced paid off or as low so can get it before the statement is issued. That way my debt to credit ratio is as low as I can get it reported for that month.
I love your videos ❤️ could you do one on pay off credit cards and student loans tips.
My mom jacked up my credit before I even got a chance to know what it was then I went to college on top of that. I'm building it now which is good but I'm kind of in a ditch with it and I have to move out in a few months
I took so many notes on this. You explain things so well! What would I do without you?! 😂😂
How do you set up for that "credit pull" alert?
You have to call or inquire it through the credit burials.
What do i do about stuff in collectons?
I really liked this video... keep it up! I am going to go check out a few of those credit score websites!
Brittanyyyy helpppp!! What if I pay everything in cash and I do not have a way of proving I pay my rent on time, & phone bc its all cash and I want to get a brand new car
Can I still get credit? Or I'm not sure please help!!:((((
Get a secured credit card by putting down a deposit and generating a payment history. Store cards like myjewelers, fingerhut, I have a gas card. These all make a payment history on your credit report. Self-Lender is another option, borrow 500, secured in a CD and pay 25 for two years or 48 for one year and the CD is yours after its paid off. Its all about creating a record of borrowing money and making your payment on time, then lenders will be more willing to work with you. (Secured cards like OpenSky don't pull your credit, Capitol One, pulls all three reports but can be upgraded into an unsecured card) Just ask the card company if it can be upgraded to retain your payment history of a year or longer. Good Luck!
What's a good credit card company?
Panicking about W2s got me to your channel. THANK YOU SO MUCH.
Contact john_mcnees on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net
His fast and reliable .
Hey love this info, what if I used over 30% on my credit utilization alot but have all on time payments I've had the credit card for a year now should I apply for a credit limit increase now
Contact john_mcnees on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net
His fast and reliable .
Awesome video. Glad I subscribed.
Thank you this helped me oit alot bec i didnt understand it!
Very informative video. I don't have my social and have a credit card and maintain it with discipline exactly as u mentioned in the video. Will I still have my credit score? I would be taking my social soon. Just curious! 😄Thank you.
There are a few ways to build credit, you do not have to have credit cards. Paying your car note on time will help build your credit too.
Yes I love it!!!! I want to learn
Hey girl, I'm glad you enjoyed. Let me know if there is anything else you want to make.
Thank you !
Great info!! New subbie here 🙋🏽
Great Video!!!!
Contact john_mcnees on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net
His fast and reliable .
I don't have any credit yet, but I'm planning on starting it because my boyfriend and I want to get married in a year or two. Because we are not "apartment people", we want to buy a house thinking of it as our house for at least 10-15 yrs ( if it's God's will). My boyfriend doesn't have credit yet, but his dad is going to help him get his so either of us can buy the house beforehand and then get married. Do you think it's possible for us to get good credit in such short time? And what do you recommend us doing when getting a house?(We live in Michigan btw). Thanks beforehand. Great video.
Hello Pamela, I'm not a buying house expert BUT I will share what I know. Firstly, you will need credit to buy a home at a good-great interest rate so the sooner you start the better. UNLESS you have a lot of money saved to put as a down payment or to buy the house out right. MAKE SURE you want to buy a house before you get married. God forbid you guys decide to end things, it's hard to sell and split a house, It's a long process like divorce. SO PRAY on that and make absolutly sure that's what is best for the both of you before doing that. Also, there is no quick ways to get good to great credit. It takes time and a few years to establish credit history. BUT you can do it! If both of you start small (because you aren't married you have seprate credit histories) start with a small credit card and pay it off all the way every single month. Pay all of your bills (rent, car note, cell phone, student loans... whatever) on time and in full every month. Your income helps your credit score so getting a raise, or having a side business (legally with documentation) will help also. If you arn't in a rush to get married, I wouldn't rush to buy a house. Give yourself a 3 year to 5 year goal so both of you can establish some credit, save for a down payment, and then get the house. Also, speak to a professional in this feild who can give you the best advice possible. I hope I helped. Good Luck!
I just turned 18, please tell me how you first established your credit!!! Thank you :)
Ok, 18 is a great time to start establishing your credit. You will have to start small with a card with an ok interest rate. Mine was a $300 limit. If you get a credit card from a bank and pay off the balance every month ONTIME, it will help your credit grow. This takes time and right now you only need one. NO more. Only charge what you can pay off right away. So that may be a meal or a clothing item. Act like the rest of the credit doesn't exist and only use a very small amount every month, and as soon as you spend it, take your money and pay it off. Don't look at credit as free money, the more you use the more money you will have to pay back in the long run. Pay it all off every single month or time. If you ALWAYS do this, your credit will grow and you will get more credit. This is just the first step. So don't get over your head, you have plenty of time. Let me know if this helps and keep me posted.
So helpful!!! Thank you so much❤️❤️❤️
Brittany Daniel I'm kind of nervous about credit cards. I'm 18 too. Is there a way to build it up without getting a card? I plan on looking for a decent car to put a down payment on. If I pay that on time will it build my credit?
Are loans calculated in credit to debt ratio? (Auto/student)
Yes anything borrowed from a financial institution 🏦 that reports your payment activity will show in your debt ratio on your credit report
How else can I get good credit?
I’m 30 and I never got this lesson! Thank you!!! 🙏🙏🙏
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Credit karma only pulls up 2 credit report..... Equifax and Transunion
Correct, however, it still gives you a better idea of what can possibly be on your credit report. It can be difficult to get your own credit info from credit burials smh. lol Thanks for the feedback!
credit karma only pull from two credit not experian and its vintage score not fico , it is good for viewing the report
I didn't know they changed the name of FICO but yes, you're correct they only pull two.
FICO & Vantage are two different scoring models, the number is not real important because there is different models depending upon what type of loan you are attempting (general, auto, home, credit cards, etc). Monitoring the negative and eliminating late payments, collections, charge off will give you a good score because these are credit killers.
very indept video...really great!
Thanks so much! Let me know if there are any other videos you would like to see on channel?
GREAT INFO I JUST PUT YOU ON PAUSE AND CHECKED MY CREDIT SCHOR LOL XOXO THERESA
Great job .
Can I close an account myself? Will this hurt my credit score if I do this?
Closing an account does hurt your credit score, especially if you had the account open for a long time
Can you do a how to do your taxes video
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What's your degree background?? Gotta be accounting or finance new subbie
I have a BA in Marketing and getting my MS in Media Studies.
ngl i had to hit the like button
What about student loans...how badly does that affect credit ? Im 21 and that's the only thing I have on my credit
As long as you're paying them on time is the most important thing, the quicker you pay them off the better.
@@MrsBrittanyGold ok thank you!
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Sick intro!
A update to this video is if you use credit karma just press the dispute button
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how much do you pay for youtube license to promote video do a tutorial on that
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How to get old hospital bills removed.
What if you accidentally payed two days late, but you paid 3x the minimum? Lol i slipped up once & still regret it til this day
Two days late wont hurt you much. It's if it's over 30 then you get reported. A few days late, you may get a fee.
Lmao 1:43 my mom has already fucked my name up. 🤦🏽♀️ I just hope it’s clear for when I turn 18.
Ruqaya
you look just like yara shahidi 😲🤯
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fabulous keep up the good work well done
My teacher sent me here
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Please help me with my taxes Brittany please help!!!!!!
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I don't understand any of this, is it because i'm 15, lmao. Somebody help, should I even worry about this at 15?
No, you're good for now but when you turn 18, this is a very important thing to take care of.
Brittany Daniel oh ok yeah i thought so lol thank youuu😊
You need to communicate with your LENDER, you are the BORROWER. That might confuse people, but other than that good intro video.
My mom fucked up my credit so I'm alone and homeless all the time bc I can't find an apartment
Um how about living debt free. Credit history equals debt. So no thank you. I dont owe no one money and I buy everything cash.
Actually, if you're American, paying everything in cash will hurt you in the long run. If you want to purchase a house or car, you will need credit history. No credit is almost as bad as bad credit. Do your research and just because you have a credit card doesn't mean you have debt. You can PAY IT OFF every month and have no debt but no credit history is the worst thing you can do for yourself. Unless you have over $300,000 or so in cash to drop on a house...you should do some research on your theory.
@@MrsBrittanyGold Dave Ramsey
I purchase my cars in cash and a house...I think I will continue saving instead of taking a 35 yr mortgage...and then buy something I can afford. I sleep in peace knowing I dont owe nothing to no one...but to each there own.
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Your beautiful my name Charlie hit me
Hi Brittany I'm bout to turn 18 and I want to get on my credit asap. No, I don't want credit cards to just have and splurge I actually To start early and build up my credit . I just want low limit...like $300 - $500 limit and only use it for emergencies. What secured credit card company would you prefer for a 18 year old .
It depends. Everyone's needs are different but I would try to get one that has a LOW interest rate and low annual fees to start. Don't apply to all of them but research the one that bests sues your needs. Start off looking into one that your bank offers, citi bank, wellsfargo, USAA (if you qualify to get with USAA) but low fee's and interest are keys!