What up guys! Naam Wynn here! This channel is where liked minded individuals get together and discuss personal finance, credit, and investing without the fluff.
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You are great. My NFCU bankmanager referred me To, Gl o bal te ch cre dits olu tionor g. I hank God for this wisdom. All my 17 inquiries and collections deleted with my score raised to 798 .I highly recommend if you need help tool would say I don't know how I find you on KZread, but I know better. My husband and I have been in prayer so that we get our credit scores up and our credit record in great shape so that we can purchase our forever home. It was no one but God that led me to....❤❤❤
Mr. Naam for President!!!
Hilarious! This should be called "Paying off maxed out credit cards with no savings is easy when you make 5 g's a month and have only 2100 in expenses.
Wow !! I just got my well Fargo log and it’s working on cc's it’s * tornadomenXXG* the legit vendor he is honest, reliable, and trustworthy. Thanks man
Only thing about light stream is that they have no way of contacting them. To ask them any questions.
You sound sponsored
So I was paying $20 a month for nothing? You don't get the money back at all.
I have a $3100 limit on the app, however the app is choppy and kind of weird to use.
Omg credit card debt is so stressful. I am done using them until I pay them off. I just can't stand it.
That mindset is what will help you to reduce debt and build wealth. My wife and I have no credit card debt and haven’t used them in over a dozen years. Our net worth is nearly $1M
I was approved for Capital One Quicksilver. 589
Any credit card company you go to is going to pull from more than one credit bureau; it's always two. If there is a company that issues any credit or loans that only pull from one, let me know😂 Also, how I would have sold that sponsor is if you pay your credit card off with this, you can essentially stack points on points from this debit cards and then stack points from the credit card too. * Yes, you'd have to spend different types of points in different ways* But still.
Chase pre approval does not work for me.
Add timestamps for the specific cards
Will Do!
First to comment 😝
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I don't make $500/day. I would love to go in to a dealership and save myself $1-$2K. I know you're a millionaire and your time is worth a lot more than $1K/day so I understand you not wanting to spend a few hours negotiating. But since I'm not a millionaire I will do my own negotiating. Even at $500 I'm way ahead since I don't make that much in a day and I can certainly go on my day off.
How do I find my internal score from navy federal
Do I subtrack the manufacturer rebates and dealer discounts from the MSRP when figuring out the cap cost?
Would i include that credit card payment in the monthly expense and add to balance, pay to cc?
Figure out what has to be paid by cash/chequing account. The rest of it goes into the credit card. Use the credit card throughout the month on the rest of your bills. Gas, groceries etc.
Useless info, didn't even explain how to remove the hard inquires.
Didn't even watch the video 🤨
Does it matter if we created an account
Is it worth paying off a derogatory mark after 2 years ? I feel like there won’t be any benefit paying it off or not especially after 2 years.
Any idea what the FICO required for this card??
Good Info! Thanks for the gems!
Very helpful video. Thanks!!
The law about lates not being allowed on your credit reports is found in the UCC. I have used it for years. Furnishers/alleged creditors operate in commerce and are required to abide by the UCC. Basically what this code says, is that if you are late, you are in dishonor. Once they accept a future payment, they MUST treat it as never having been late - "never being in dishonor." THAT'S THE LAW.
You don’t need to worry about it.
Gmall -Naamwynn72
Fwd your comment there
The best ever. Such good kinformation. BTW.... Its HunDAY....not hunDIE. LOL
I opened an account with Penfed in May 2023, with a balance of 10K, a Fico score is 776, and applied 2 times for a credit card but still got denied, 1 after 6 months of open account and 1 just last week, not easy like all KZreadr said
Don’t worry will tell how to get approved
Fwd ur comment there
Gmall -Naamwynn72
I opened an account with Penfed in May 2023, with a balance of 10K, a Fico score is 776, and applied 2 times for a credit card but still got denied, 1 after 6 months of open account and 1 just last week, not easy like all KZreadr said
Can you sign up with an i-tin number?
Equifax refuses to remove hard inquiries. Been trying for months.
I once paid 3 percent of my overall balance to transfer my credit card balance to a zero interest card for 18 months. I kept doing this until my balance was paid in full. I told a friend and they did this too. Only after they transfered their balance, they purchased a new computer. They told me why didn't you tell me that my new purchase went to the back of the owed balance at the regular interest rate. They said they have to pay the full zero balance before the new purchase would be paid. I didn't know that. I never added anything more to my rolled balance. ugh! Beware. Lesson learned. I suppose they could roll everything new onto a new zero balance card and if they must use another card. Best thing is to pay the balance in full each month. Which is what we do now. Plus we have an emergency fund and save ahead knowing we'll need high ticket items like a water heater, roof ect.
How do you find the store
I have 1 late payment on a credit I called ask them to remove it and they said no to go to the credit reporting companies
Yeh will tell you on what to do!
Gmall -Naamwynn72
Fwd your comment there
Thank you for this! I am looking at leasing for the first time. I was offered a Nissan Rouge for a two year lease at .99 interest. It looks like it’s just above the 1% rule but still the best deal I’ve found this week.
I only want the credit builder cash card. Can I do that?
What about using them to refi? Motorcycle, car, home etc
everything now requires SSN or ITIN without it no one is giving you anything.
It's not legit. They do credit checks even with your title. They are full of shit and you promoting yendo lying isn't good lol😅
velocity banking in a nut shell. we gotta remember though, this concept is not for everyone. diligence is the key component.
What's the reporting date for the current credit builder card?
Hey Naam Wynn, I am a subscriber of your channel, and I have a request for a video. Could you please create a video discussing credit cards that address the following seven points? Additionally, please include information relevant to people who are retired or disabled with a pension under $40,000 yearly. 1. Credit cards that perform only a soft pull on your credit report. 2. Options for credit cards with no annual fees. 3. Requirements for applicants with a credit score over 700. 4. The necessary monthly or yearly earnings needed to qualify for these credit cards. 5. Credit cards for which you can pre-qualify. 6. Credit cards that you can be pre-approved for. 7. The best credit cards available for individuals with an income under $40,000 yearly. I believe this information would be incredibly valuable to many of your subscribers.
Thank you for explaining it better than others out there. This has been a confusing topic for me to understand
Can you get rid of my inquiries and such while im deployed?
Yes
Self is worth it. It bumped me 100 points again after a repo
I got a 3000 sl and after 6 months and using it only once for a 350 purchase and paid off, after the 6 month i requested a cli and they bumped it up to 9000. I requested for a 10,000 cl and got 9000 cl from 3000 sl. Transunion Bankcard fico 8 is around 730
i got paystubs from Cyber credible today
I have a business CC for 25k, with a debt almost 13k. Does this affects me getting a high limit personal cc? I did not apply for a personal cc for more than 3 years, and my credit score is very good.
That doesn’t affect it… 🆙
say not to loans..., keep doing the VB strategies and then apply for a line of credit once your debt to income ratio and credit score improves
This is so helpful