I have never taken a mortgage or auto loan, I have one single credit card, and my credit score is 790+. Just pay your bills on time and don't max you shyt.

@AM-nm1oe

Жыл бұрын

You probably should work on getting a few more cards

@himeyalvaradoslaying

Жыл бұрын

Your bills don’t affect your credit score… expect the actual bill on the credit card and you may want to explore more credit cards to get you over a 800 score

@BlackHatAndy

Жыл бұрын

@@AM-nm1oe Why when I have an almost perfect credit score?

@smith549371

Жыл бұрын

@@himeyalvaradoslaying only had credit for a few years and had a non existent report before that and mines at 804 now. Only one credit card is necessary

@keem2723

3 ай бұрын

What credit utilization do you always let report to the bureau

Bubble wrap this man and protect him at all costs. Blessings

@xXblackstarXx77

2 жыл бұрын

We must build a statue of him

@TheSpelledMilk

2 жыл бұрын

💯

@garvitagrawal1789

2 жыл бұрын

I would kidnap him if i could to get all the information from him

@anarivera3501

2 жыл бұрын

@@jesuslovesyou1 iiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiib

@glasshead7181

2 жыл бұрын

Hardly anyone is gonna take advantage of this. We all kno this

When you invest you're buying a day you don't have to work

@thomasdooley3702

Жыл бұрын

@Hart Thim you're right it's obvious a lot of people remain poor due to ignorance

@cassiejacobs4197

Жыл бұрын

Starting early is the best way to getting ahead of build wealth, investing remains the priority

@christianajoe8563

Жыл бұрын

Obviously trading in bitcoin is very volatile and risky to trade that's the reason most traders trade with a company

@christianajoe8563

Жыл бұрын

Now is the best time to purchase and invest in Bitcoin stop proscastinating!

@christopherhobb7702

Жыл бұрын

Cry-pto currency will outsmart the banking system in the nearest future serving as a global fiat. Already making over 85% of my investment

With the way things are moving, I think I need to see a video on "How to survive amidst the present recession". I mean, everything is in shambles. Surprisingly I heard people still make over 100K within a few months, seems I am getting it all wrong.

@patriciacleveland2588

Жыл бұрын

Have this at the back of your mind. There are good days, and there are bad days. It is a zero-sum game. Always follow these tips: Save, and Invest wisely, by diversifying your investments so that when another is down, the other will be up. An experienced specialist whose platform has diverse investment choices to pick from can help you achieve this. I can recommend one if you don't mind. By doing so, you give little room for regrets and perhaps gain more.

@kathleenstoner.n7499

Жыл бұрын

@@patriciacleveland2588 Generally, diversification is a key factor. Don't put all your eggs in one basket. Pragmatically, I have been into all of these for some time, though I won't say I have made or lost a fortune. Pls do say the specialist with diverse investing choices as you said. It's quite rare! I anticipate your response.

@patriciacleveland2588

Жыл бұрын

@@kathleenstoner.n7499 Funny enough, I can honestly relate. I don't know if I am permitted to drop this here, but do run a check on Sandra Yvonne Webster. Was in the news a lot a few months ago.

@sonyablack2015

Жыл бұрын

@@patriciacleveland2588 In all honesty, this is the second time I am coming across the name "Sandra Yvonne Webster". The first was Last Tuesday at a summit on the economic bubble in CA, there were lots of testimonials, with proofs from her clientele on how they gain daily with her. The testimonies were so impressive and sounded too good to be true. I had to make some research and found out she's one of the oldest by ranking and has a very large clientele base. I am still a bit skeptical. Do you work with her? Thanks.

@patriciacleveland2588

Жыл бұрын

@@sonyablack2015 Yes, I do. Her AI-driven trading interface made waves a few months ago.

Thanks Graham my credit score went from 400’s to almost 700 in a matter of months because of your other videos

This video should be shown in all public schools to the senior class.

@Ghost-vw1dj

12 күн бұрын

It might be crazy what im about to tell you…

Never thought I’d watch a Graham Stephen credit card video but here I am. Finally got a credit card.

I'm going to be honest super long time subscriber have watched more credit score videos from you then I can count. Honestly clicked on this going there's no way this can be interesting... Wrong best one yet! Was hooked all the way through..... Just when I think you can't do it better you do. Much love keep up the good work.

Great video! I have two fraud inquiries on my reports that I would like to get removed. I've seen your video regarding this, but Im still a bit confused. So I know my first step would be making a call with the credit bureau (Experian) but should I also make call what time? And would I be never stop sending you to the *850 credit Restoration* to my friends and people I know regarding any credit situations...

@ManvsTrail

8 ай бұрын

So is the 850 like a cult or something?

The day of the month you make your payment also matters. Make your payment (minimum or payoff) prior to the closing date of the account. That way, the lower balance will be reported to the credit bureau. This will lower your debt to available ratio, which will raise your score over time.

@redlunamod6090

Жыл бұрын

I don’t get it, can you explain it further ?

@trainingwheels1408

Жыл бұрын

@@redlunamod6090 Banks report your balance on the closing date of the account to the credit bureaus. Example: you purchase a fridge for $1000 on your card. You make a payment of $500 prior to the card's closing date. The card company reports a balance of $500 to the credit bureau. This lowers your debt ratio, resulting in a higher score. There are many videos on KZread that explain this in greater detail.

@redlunamod6090

Жыл бұрын

@@trainingwheels1408 closing date is the due date? That’s where I’m confused at ?

@redlunamod6090

Жыл бұрын

@@trainingwheels1408 I just searched it up and it’s 2 different things, how can you find your closing date ?

@trainingwheels1408

Жыл бұрын

@@redlunamod6090 It is printed on your statement. Closing date is the last day of a billing cycle, while a due date (usually 21 days later) is the deadline for your minimum payment to avoid late charges.

I send so many people to this video. Such a concise way to teach credit to someone who is starting off.

I had seen your previous video on credit score. I got a perfect score now because of your video. Thank you for this.

Graham, thank you for teaching me what the world doesn’t want us to know. Thank you thank you thank you, ily😭 I share all ur videos that I watch so we can help more ppl!😩

Followed your advice and now my credit score is amazing!! Thanks!!🔥

Graham been watching for years. Helped open my eyes, ty for everything.

Love these credit card videos. I actually implemented some of the things you said in your previous videos and eventually got my score up to 800+ which was huge when I went to actually buy a house.

Mine was under 400 in 2016 and currently 750. His videos helped a lot. Graham should do one on how to build business credit for self employed/small business

@liliknowsbest2.037

2 жыл бұрын

Wow thats amazing i Really need my credit to build so i am on a road to recovery

@paulcrosby5346

2 жыл бұрын

Noelle Randall does some great business credit videos. She is like Graham with a bit more energy

@shivamjha5995

Жыл бұрын

How long did it took?

@BWiseTV

Жыл бұрын

HIM 500 On KZread does exactly that. He is dope!! Based here in Atlanta and helps many people do that

I began following your credit building methods back in October of 2020, and it has changed my life. You rock man, your content has changed my life.

@GrahamStephan

2 жыл бұрын

so happy to help!

@ghastlymanemane1334

2 жыл бұрын

I’m not sure how old you are man but I took his advice as soon as I turned 18 and now I’m 18 and half with a 732!! That’s ridiculous for my age group cant thank this man enough!!!

@JavierTorres-ng6ct

2 жыл бұрын

In what ways has it changed your life if you don’t mind me asking

One of the best videos on credit advice! Thank you sir!

I just moved to the US so this is extremely valuable for me. Thank you.

hey, i started watching you at 17 years old. I'm now 19 and following all your tips i just hit 700. score. thank you for all the helps!! lets keep that number rising

@CRABDADDY02

2 жыл бұрын

Keep it up man, I’ve been watching since 17 and just turned 20 and have gotten up to a 770!

@elmonni2103

Жыл бұрын

Keep it up guys! I've been watching since 12 and just turned 13 and have gotten up to 790!

Thanks for all the great advice, I have been watching for a while and last summer I finally opened a credit line,and with all the advice you have given my score just yesterday hit 700!

Right now I’m 19, in college, and have a 750 credit score, I want to become a millionaire one day

Hey Graham, I've been watching you for a few years now and just this month I hit the 800 mark!

Nice video! But my mentor would always say; Desire + Motivation + Action = Success

@lukeben1596

Жыл бұрын

Noted! And what are the actions needed to be successful?

@leahmolly9150

Жыл бұрын

@@lukeben1596 Investments like Gold,Crypt0 ,Real Estates and lots more are the actions ….

@lindapoplin7150

Жыл бұрын

I agree, I invested in shiba coin and BTC last year and now I am bullish

@doragary3717

Жыл бұрын

Surprised to hear about Expert Sonia because I’ve been in a business meeting where she tutored about BTC!

@doragary3717

Жыл бұрын

@@lindapoplin7150 I made $3,000 in a week trading with her😃

Thanks for the tips. Will definitely share this on my social media accounts.

Wow, this was a very helpful video. Thank you man. I really appreciate all the help, especially for us who are new to this. Much appreciated!!!

Watched this video when it came out. Did your tips and yesterday saw my score had jumped 75 points. Greatly appreciate the advice!!

A lot of the time people ruin their credit before they even realize how important it is. The 18-year-old who wants a better wardrobe, or the single guy who wants to get a motorcycle. Your first and only big investment/cash drop should be a home. Stay focused on never ruining your credit because it makes a huge difference in life.

@joshua.butler

Жыл бұрын

I know NOTHING about credit cards and finance when I turned 18. I quickly racked up debt, but eventually paid it off. Now I have no credit card debt and my score just hit 850 for the first time a couple months ago. 👍

@Ctworld15

Жыл бұрын

@@joshua.butler nice work!

basic, yet everything I need to know. excellent.

This video is one of the best videos I've ever seen in terms of credit cards and how they work. I hope younger people can see this to help them in the future

This helped me out so much! Thank you!!!!

I hope you are well Gram, thx for the vid.

Thanks for letting us know Graham. Great vid!

I gotta start watching your channel more. It’s definitely useful and great info

I wish I had this information 10 years ago when I was 18. Thank you for putting stuff like this out there Graham!

@rickybecklund2488

2 жыл бұрын

Agreed

@zackb8189

2 жыл бұрын

Still young let's get it

@kairo168

2 жыл бұрын

Same

@user-ci9ct9gp3m

Жыл бұрын

Getting your credit sweep and cleaned at this time can be stressful but with the above channel get yours ..... Me and my friends got ours removed with him had a great review with him working on ours and that's the page above drop your review after working with him send a dm on IG probably one of the best in that area 🌐🌐🌐

@MrGforce52

2 ай бұрын

Luckily, I'm young and have Graham here 😂.

Great content bro 👍🏾 Just subscribed today and I have to say thank you for the helpful advice.

Mr.Stephan, I appreciate your knowledge, while keeping things clear! $

This is the most excellent advice I've every heard....

thanks as always for the help and support that you give out

@GrahamStephan

2 жыл бұрын

you got it!

Oh snap! Here goes Graham with the best advice yet! 🥰

@GrahamStephan

2 жыл бұрын

Glad you think so!

Thanks graham I used to watch your videos when I was 17 and as soon as I turned 18 i opened a credit card and now my credit is 730 and it’s been like that for a year now

Old School Graham videos are great!

Can't wait to turn 18 later this year and start building credit. I feel like I've got such an advantage on everyone else going into my adult life from watching your videos for a couple years

@slimguardnii

2 жыл бұрын

I feel the same way. I turn 18 in a month and I’m ready to get going.

@Doofito

2 жыл бұрын

keep watching his videos and you’re gonna be incredibly successful

@saradaniela8713

Жыл бұрын

i’m turning 18 in two months and i feel so ready for the financial adult world

@swipeyobins

8 ай бұрын

when i was 17 i overdosed on fentanyl@@saradaniela8713

@sabiblankenship7377

5 ай бұрын

Crazy glazing

Hi Graham, I love your videos and I am currently writing my dissertation on how social media can influence financial literacy and investor behavior, and I would really appreciate if you could spare 20-30 mins for an interview for this project. Thanks in advance and keep up the good work, Adorján

Love listening to you Thank you for your knowledge ❤️

Liked button smashed, ready for today's Gem 💎 Thanks Graham

Current credit score 790... Looking to keep building it of course, but to build a credit I think it is important to use one frequently and pay it off ASAP.. simple as that.. Stop spending what you dont have and/or buying what you dont need..

@maxrequisite

Жыл бұрын

Best way is to keep a balance of 20-30% or under until the last few days it is due, then pay it off. This shows the credit bureau that you can hold a balance and still pay it off. Sure you will pay a little interest but it will save you money in the long run.

Hey Graham, I have been watching you for 3-4 years now, the amount of value I have gained is immeasurable, thank you, much love

@tenmike

2 жыл бұрын

I love you too Graham

this was more a what to not do rather than a what to do like the previous videos about Creditcards.

Thank you so much Graham! I’m only 12 and I have all the knowledge I need💸💸💸

Hi Graham, it would be good to see a video on mortgages and also on medical debt. Some people say medical debt almost doesn't matter on a credit report because lenders understand.

@dajoremarks9137

2 жыл бұрын

It is getting ready to fall off so that will work in your favor

This is amazing I really need this because I wanna buy my first rental property at 21

i just got a credit card literally the other day so this video was perfectttt timing!!!!!! LETS GOOOO

@GrahamStephan

2 жыл бұрын

awesome!

THANK YOU thank you Graham

Dave Ramsey is going to hate this….

As a International (Venezuela) US Bank customer having 823 feels great. ZERO DEBT as well.

I’ve had a perfect 850 twice in my life. Won’t ever happen again since I learned about churning credit cards!

Early video but tysm I think that the credit score is super important in building wealth.

@GrahamStephan

2 жыл бұрын

absolutely! so true

Thank you, your advise was even helpful for my credit score in Germany. Managed to buy my first apartment by 25.

@GrahamStephan

2 жыл бұрын

Glad I could help!

@jollama

2 жыл бұрын

*advice

@jollama

Жыл бұрын

@@DarkLight-hl2do There’s a difference in meaning regardless of region

Hi Just here to say thank you for all these great videos👏

@GrahamStephan

2 жыл бұрын

Glad you like them!

I watch all of these and I love these so much.

I love it! You got to post one of these videos every year lol

Thanks for all you do sir, we appreciate your quality videos.

@GrahamStephan

2 жыл бұрын

I appreciate that!!

I enjoy the improved editing and more consistent motion graphics lately 🔥🔥 For sure helps to visualize and understand the points

@GrahamStephan

2 жыл бұрын

I appreciate that!

I just shared this with my daughter. Great information!

Always love the tips, Graham!

What's up Graham! I can't wait to hit an 800 credit score! On my way there by watching you! 👍💙😁☕

@GrahamStephan

2 жыл бұрын

:)

@overthehilldill3626

2 жыл бұрын

Watching Graham doesn't do anything for your score. That's why I'm unsubbing.

The way I had built my credit score from sucky score to now 825 fast is to pay my cards twice a month and that seems really helps me to where I'm today.

Something you never talk about when you make these videos is the impact of paying balances off and keeping it at zero, closing an account, getting a new account. These really bring your credit score down alot

@sonnydayz2118

Жыл бұрын

Closing an accident hurts u. I thought the opposite, when I paid off my 350z.

Your brush so Broad it helps the kind of broke. You inspire yourself rather than others

Your content is great. Super informative and helpful. You think they would teach you this stuff in school.

I already learned from you in your past videos. I went from 607 back in Aug - 2020 to an 800 in Dec 2021

@CookUpCurry

2 жыл бұрын

Bro what????? What did u do? 😂 Would u actually mind sharing more about that because it sounds impossible to go from 600 to being almost Green on every category in 1.5 years

@joshua.butler

Жыл бұрын

wow, incredible progress!

I’m 20 years old. Just got a credit card last month and It’s been going great. I watched alot of your videos before starting so thank you! Fun fact I watched Dave Ramsey until I found you.

@rogeliojimenez8259

2 жыл бұрын

Same haha

@muhammadaftab7801

2 жыл бұрын

Same :0

@jtowensbyiii6018

2 жыл бұрын

Dave is primarily dealing with people with no self control or knowledge and can't control themselves and or have massive debt

I'm on 894. Built it from 256 before I started paying attention to my credit history.

Im 18 and applied (and was accepted) for my first credit card yesterday. Suspisciously convenient KZread recommendation.

My credit takes a dive every time I buy an investment property and then rebounds even better once it's all established. I'm also young too so it makes since I don't have many years of credit history behind me. Still around 750 though thanks to channels like Grahams!

@joewhitlow5799

2 жыл бұрын

Investment property? Get a real job.

@saradaniela8713

Жыл бұрын

@@joewhitlow5799 bruh have you not watched anything on this channel?

Thanks Gram for doing this for us, this tutorial should be paid and you do it for free!!!!

You’ve gained my respect

@GrahamStephan

2 жыл бұрын

ah thanks!

Great video! Very informative! I enjoyed watching!

Graham is the only reason I even have money at this point

@GrahamStephan

2 жыл бұрын

I'll take my 10% cut, please ;) lol jk

As long as I pay my cards off in full before the due date and don’t use it until my statement has cleared, I can literally max out my card and my utilization is always 0

Loved the graphics in this one!

Thank you Graham!!!

I remember watching an older video of yours about the same topic, it really helped me a lot. I’ve enjoyed watching your channel grow so much and you deserve it. Thanks Graham. I’ll share your videos with my sisters and friends.

You don’t need the credit score yet the credit score needs you… let that sink in

What an absolute legend, thank you sir

I live in Bulgaria and i want to live in USA just to try your credit score methods. You rock!

@GrahamStephan

2 жыл бұрын

you got it!

My credit score is 847/850, which is essentially perfect. All I did was pay off my credit cards on time, all the time. Not sure it has ever gotten me anything. I did lease a car no money down, but I am sure you don't need a perfect credit score to do that.

800????? I thought 850 is a perfect score.....My score is 822.

Thank you from the bottom of my heart

perfect credit is a must in this environment!

Graham should start an intro with -- “What’s Graham here? it’s Up Guys”

@GrahamStephan

2 жыл бұрын

haha I'll do it

Graham, could you do a video about 'what you can do with a perfect credit score'? Lower interest rates are fantastic, but does credit score matter at all for ppl not borrowing/credit any $$?

@randomicon918

Жыл бұрын

Nope, Credit scores are only relevant for credit..

@trainingwheels1408

Жыл бұрын

@@randomicon918 Nope?? Credit scores are utilized when you attempt to open a new bank account, when you get an insurance policy, when you attempt to rent an apartment or house, and even when you apply for a new job.

@Ionfwthesehoes

Жыл бұрын

@@trainingwheels1408 credit score has absolutely nothing to do with applying for a new job but ok lol 😂

Thanks for sharing this 👍

Wow This much info in one session 🔥

I find it funny that having more credit available to you is seen as less risky. A sort of "yeah, if he needs to he can just borrow from that other guy to pay us back" lol

@livephysiology

2 жыл бұрын

It definitely seems contradictory. Similar to the topic of good debt versus bad debt. To many this may sound silly, because it's still debt either way.

I’d be broke without Grahams videos

@GrahamStephan

2 жыл бұрын

happy to help!

Thank you. This was very helpful

Wasn’t expecting a new video this early!

@GrahamStephan

2 жыл бұрын

had a podcast early, so wanted to post early to answer comments!