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| Name | How To Get A PERFECT Credit Score For $0 |
| Video Uploader | Video From The Steven Carlson Show |
| Upload Date | This Video Uploaded At 06-08-2020 18:13:17 |
| Video Discription | The SBA denies the Economic Injury Disaster Loan (EIDL grant and loans) to small businesses because of low or bad personal credit. Did this happen to you, or maybe you want to improve your odds of a typical bank loan, or better terms on a business vehicle lease, follow these simple credit hacks to get an 800 credit score in as little as 45 days! Some have even seen a perfect 850 credit score. 💰💰2 Free Stocks valued up to $1,400 👉 https://www.stevencarlson.show/@WeBull 🏋️♀️ 🚴 Steven's new channel 👉 https://www.youtube.com/channel/UCK6xi-pHmX6JsoGkQ7ZS9ow 📔📔 America Hijacked: How Deep State Actors from LBJ to Obama . . . 👉https://amzn.to/2BWQ97T #BusinessCredit #CreditHack #EIDLGrant While Congress is arguing over the HEROES Act and HEALS Act, and what, if any, from those bills, will be in the next stimulus package, now is the perfect time to get your credit repaired. Payment History: For a perfect score, honestly, even just a good credit score, you must pay your bills on time. Even a single 30 day late on your bills can drop your score 50 or 100 points. I am not going to lie to you; if you are 30, 60, or even worse 90+ days past due on your bills, there is pretty much a zero chance you will get approved for a loan today. But you still have a few options which I will cover in a few minutes, so stick with me. Credit Card Use: Not only do the banks want to see that you pay your bills on time, but they also want to know how you use the current credit you have available, so they look at your credit utilization numbers. Simply put, if you have a $10,000 credit card limit and spend $5,000 of that money, you have 50% utilization. Or said another way, you are using 50% of your available credit. 1 - pay down your cards to get yourself down to at least 30%, ideally less than 10% utilization. Of course, if you do not have the money to do this and none of your friends/family have the cash to lend it to you, then this option may not work for you 2 – Call up your current credit card lenders and request a credit limit increase. Why does this work? Simple! If instead of a $10,000 credit limit, you have a $20,000 limit. That same $5,000 balance is now only 25% utilization instead of 50%. Nothing chance in your balance, you just have more available credit. But, before you do this, you must think about it for a minute. If you currently owe Bank A $8,000 of your $10,000 limit, there is pretty much no chance they will trust you with more credit. So, this option may not work for you today, but keep it in mind, because as you improve your score throughout the month, this might be an option for you in a few weeks, adding more points to your score. 3 - Piggybacking/Authorized user The basic idea here is for you to get added as an authorized user on a currently established credit account. You instantly adopt the entire credit history of that account. This usually takes 30 – 45 days to show up on your credit report and can easily add 50 or more points to your score instantly. For example, if you are added to a 10-year-old Home Depot credit card with a $50k limit. On your credit report, it now shows 10 years of payment history and a $50k credit line. Aside from being added as a user on someone else’s card, the only option you have to improve the average age score is just to wait. The accounts you have on your report must age naturally, and you cannot force this to happen any sooner. It is imperative, however, that you do not close old credit cards. Any old accounts you have, keep them open and current for as long as possible as that is the only way this will improve. If you have missed a few payments or have derogatory marks, which usually are collections or other bad things the creditors have to say about you. Your first option is to contact the Credit Reporting Agencies: TransUnion, Experian, and Equifax and file what is called a dispute. This is a legal process where you demand the lender provide you proof that the negative information on your report is valid. Of course, I am not telling you to commit fraud and lie to them about legitimate marks on your statement, no, what I am telling you is you have the legal right to demand evidence the proving information is correct. ⚠️ ⚠️ ⚖️⚖️ I am not a lawyer, CPA, tax advisor, realtor, financial advisor, etc., I have absolutely no licenses/certifications in anything related to these industries, I am just a dude on the internet. So, in full disclosure: the information I provide here is for “entertainment purposes only!” You should seek counsel from competent and certified individuals if you have questions. I may receive commissions when you use my affiliate links. eidl grant update credit karma eidl grant application fico credit score |
| Category | Education |
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