Start Building Credit with StellarFi Today 👉 brianjung.org/StellarFi

Closing the card does not delete the history, it just wont age further. Accounts closed in good standing may stay on your credit report for up to 10 years, which generally helps your credit score.

It is very important to keep a good credit-score, usually above 700, to qualify for a lease or any other lending decision.

Your vids have helped me build my credit, I started when I turned 21 with little to no credit. Now 22 and I have the sapphire preferred, I use it as my daily card. Love it! I've jumped my credit almost 100 points, since I started the grind!

@lIlIlIlIlIlIIIIIIII

7 ай бұрын

Shit I had a score of 790 at 18 when I got my G37s all cash

@johnsheikh3831

5 ай бұрын

@@lIlIlIlIlIlIIIIIIIIhow did u build credit off a purchase of all cash 😂

Been working on mine for 11 years 750 now came from a 456 in 2014

Bro that credit card book is literally inspiration to me man. I used to be a cash guy, buy i literally fell in love with building credit. And i also keep a $0 balance at statement too!

@creativekiiier1649

5 ай бұрын

Isn’t $0 balance a 0% credit utilization?

@GiftedInvestor

5 ай бұрын

@@creativekiiier1649 yes bro

@Staxxx23

2 ай бұрын

⁠@@creativekiiier1649no

Great 👍 information Thank you

I finally have the CSR because of your videos. Thanks for your referral link! 🙏🏾

@Jungernaut

7 ай бұрын

Thank you for using my link I appreciate you!

@HumanStyleBeing

2 ай бұрын

What is CSR?

Waited for a video like this for a while 🔥🔥🔥🔥

@Brianpeckin

7 ай бұрын

You can't do this in 30 days lol unless piggyback but most don't have this available

@HollywoodCO_Main

6 ай бұрын

​@@Brianpeckinit's possible without AU..

@Brianpeckin

6 ай бұрын

@@HollywoodCO_Main no

@HollywoodCO_Main

6 ай бұрын

@@Brianpeckin lol Yes..

@Brianpeckin

6 ай бұрын

@@HollywoodCO_Main no you can't...🤦 Unless you become a authorized user it's impossible in 30 days.

At 600 rn at 22 and really want over 750 def going to use these

@allgreenallnatural6286

2 ай бұрын

Did you score go higher 4 months after?

Hello brian

Trying to get two different loans from 2 different companies at around the same time, how long do I have before the 1st hard inquiry shows up on my credit report? trying to get them both before one of the inquiry’s shows up.

Notification gang 🎉

Can you please talk about how to get credit card while being as teenager my parents have bad credit scores. What should I do? I want to go to credit card so I can get a business credit card because I'm starting my business.

Amen. Thanks a lot man

@Jungernaut

6 ай бұрын

No worries!

I like this video but I don’t agree with not closing a card if you don’t use it. A lot of people close accounts they aren’t using. It stays on a credit report for 10 years & continues to age despite being closed. It’s okay to close accounts. Don’t keep it open if you aren’t seeing any value in it.

Stellarfi vs BILT? Do they give the cash back option too like BILT does?

AutotopNl in the middle was hilarious

If someone puts you as an authorized user and your score sucks, will that drop their score??

Does piggybacking work in canada?

I have a question. Say I have a 500 hundred limit and I spend 250 of it but I pay it back as soon as it's reported on my bank app and before the due date. what would be marked on my credit for utilization? Would it be 50% or 0% percent?

@faysal5190

6 ай бұрын

if it’s not between statement due date and the statement reporting date you can spend as much as you want and it won’t be reported

good

The belief that you should keep cards you don't need or want because of age is a fallacy because closed accounts stay on your credit report for ten years and continue to age. The only aspect this may hurt is your amount of available credit or utilization and this can be easily fixed by proper planning before closing.

Hey Brian can you do a credit card review on the Xbox Mastercard?

I always paid my balance completely before they reported to the credit bureaus. After awhile my credit score dropped over 15 points 😢 Do you think it's because it looked like I wasn't using my credit cards? Do u have any suggestions on how to bring my credit score back up again? Thanks!

@superbutter476

7 ай бұрын

Request a credit report and see what happened

You are one of the most sophisticated and brilliant KZreadr/content creator I watch, and 1million percent the very best in finance. I appreciate all of your content thank you for *Prime consultant 001* much love from Chicago

@Jungernaut

5 ай бұрын

Thank you so much 😀

Should you unfreeze your credit score during the holidays so credit card companies can send you good offers via email or mail?

@oklahomafreedom5536

6 ай бұрын

You sometimes get them anyway. Those CRAs sell it anyway

@sonorousheartbeat3446

6 ай бұрын

Keeping it locked prevents unwanted users from accessing and opening credit accounts in your name without your authorization

dope

Yep

500 to 800 in 30days. 😂

@rafeymueller5448

7 ай бұрын

wait what!

@soba3894

7 ай бұрын

Right 😂

@paperroutep

7 ай бұрын

😂😂😂😂😂

@richardromero8049

7 ай бұрын

Where’d you check it? If it was credit karma then it don’t count

@molten4516

6 ай бұрын

U actually could tho, if u start to dispute things

What can you do about charge offs?

@shojus

7 ай бұрын

Dispute or wait til they fall off.

🐐

No such thing as a credit bureau they are credit reporting agencies

Its cool i have 😊 a strong high 598 credit score. 😂 cant wait to get to 498

When using the 40% of the 10k.. does it damage your credit to only pay the minimum statement or should it be fully paid off monthly.

@queenrm007

6 ай бұрын

Ok so if your using 40% of your 10k credit line that will hurt your credit because that’s a high credit utilization. The lowers the better, 1%-20%. Paying the minimum payment WILL NOT further damage your credit. A minimum payment is better than no payment at all. If you want to carry a high balance on your cards get a charge card not a credit card. charge cards high balances don’t effect your credit score, just your payments.

Where can I get that credit card book?

Just open credit cards on February 2024. Current score is 571. Hopefully can work to 790 score by end of 2024.

@wellknown1204

23 күн бұрын

*UPDATE* My current score is 574 now hehe..

I’m at 738 and I’m 20 years old

@luckyg6580

Ай бұрын

I'm at 598 and I'm 29 😮

🎉

Does adding my kids as authorized users on my credit card kick start their credit history?

@JaeHPark-so7dy

7 ай бұрын

@@SomberCarlo what if dont use that specific card that often. I had it open for a long time but don’t use it as much.

@Brooderick

6 ай бұрын

It still will count on their history as long as you keep them on there and you keep the card open

If someone piggybacks off me and their score goes up, does mine go down? (Hypothetical Example: If I'm at 825 and they are at 678, they piggy back and go up to 720 does my score go to 793?)

@AMGDINERO

4 ай бұрын

Bingo

first

I never used credit cards in my life

If they close it on their own, that shouldn't hurt your credit score. Do you agree?

Fico is an issue

It is very important to keep a good credit-score, usually above 700, to qualify for a lease or any other lending decision.