4 FICO Scoring Company MANAGERS Give High Credit Score Hacks

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Күн бұрын

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Пікірлер: 33

@Mr51Caveman 3 ай бұрын

I have a very high Score across all 3 Credit Agencies. I've been playing the "game" for a lot of years. I have also concluded that "they" want you in debt!

@ajksancarlos 4 ай бұрын

Cal, your one of the few in this community, bringing such a high level of content. This is next level, very helpful to understand the wide variety of factors going on behind the scenes.

@calbarton 4 ай бұрын

That means a lot to me. Thank you!

@djwashx 4 ай бұрын

So no concrete answers all hypothetical

@MsLkane 4 ай бұрын

This was very informative. My take away is 'you're damned if you, you're damned if you don't'. :) I really wish there was one scoring factor for all types of credit vehicles or at lease one for CC, Car loans, mortgage and of course business items.

@user-gv7ts1xv5f 4 ай бұрын

What did you get informed of they didn’t answer anything and the way he is reading it is not helping either

@michaelstewart1838 Ай бұрын

@@user-gv7ts1xv5fAgreed to a point. There are other channels that break all of what Cal is saying down, with real data points, so you know how to "Operate," none of this is new. A lack of Sound money principles is all this boils down to. You gotta do some digging and your "own research," salute 😉. Sledge* I like Cal and this channel but there are other people that give the sauce,* this is vanilla. 😆🤔😉 Edit: too, changed to, to. 🤦‍♂️😆👍

@Samantha_Says_ 4 ай бұрын

Great video. Excellent information. 👏👏👏

@calbarton 4 ай бұрын

Glad it was helpful Samantha

@rambosidi7634 4 ай бұрын

Thank you for sharing this information with us

@wblake22 4 ай бұрын

This video had a lot of good information

@fdavis7271 4 ай бұрын

Great video sir!!

@calbarton 4 ай бұрын

Thank you!

@elmarespino6906 4 ай бұрын

Great video my friend. Thank you for sharing your knowledge.

@850club 4 ай бұрын

Nice Work!

@MichaelGolpe 4 ай бұрын

22:09 🎉 Cal, you are a wealth of good information in this genre! Thank you very much for how you always set things straight!

@mrduckman225 4 ай бұрын

They need to publish the whole of the algorithm cuz this is ridiculous

@jimissel3997 2 ай бұрын

The whole of the algorithm is their intellectual property and their unique marketable product (not to mention that it is continuously being refined, and way more complex than you could decipher and apply to your personal situation). Publishing it would be the same as Coca Cola publishing the Coke recipe. But be comforted by the huge amount of available general information about your score. When I worked at FICO credit scoring was a total mystery to anyone outside the finance industry, if they’d even heard of it at all.

@EStigers 4 ай бұрын

*mortage 2,4 & 5 grade differently 😯

@TheHockey1980 Ай бұрын

Cal all your videos are so helpful but this one was exciting because I just tried to leave a small balance to see what it would do and it knocked my score so idk lol I always pay on time and when I do it goes up and I have a 0 balance. Also, this might be a dumb question but I was always taught no question is a dumb question lets say I pay off my credit card the day before my due date tomorrow and I start using it again Friday when the payment clears and I have a 0 balance but my statement ends the 21st if i get it paid off again before the 21st will it report a 0 balance or will it report the amount ii used until the statement ends? Again love all your videos and they help so much

@floydbanks173 4 ай бұрын

Great information :-)....... You talk kind of fast though so I need more time to absorb what you've said as you shift from point to point. I'm one of the older listeners. We need more time to process things. LOL

@kgsunshine 4 ай бұрын

You can adjust his speaking speed by adjusting it in your settings (per video).

@user-lq5vk9mc7s 4 ай бұрын

Synchrony aka Guitar Center, weighs in lack of real estate 😂

@Sylva1 4 ай бұрын

What does it mean when capital one graduate you but don't give you an increase?

@Stevecrawl624 4 ай бұрын

I have two accounts with Capital one the platinum card And the savor one card the platinum card was secured at first It unsecured at 11 months and Four months after went from $200 to $1700 credit limit on The platinum card and started With $1000 credit limit on the Savor one now at $2500 And will continue to use my Savor one card the platinum card Is going in the drawer cause I’m Accepting my pre approval offer For the Amex blue cash everyday Card for 3% on groceries and gas

@pepeschley143 4 ай бұрын

Cal love the content! Have a question! I have a 800 plus score part of that is a student loan that I am paying off for my son. The loan is getting close to being paid off will that hurt my score and what should I do ? Could you steer me to a credit union that pre-qualify without a hard pull?

@5rangs5rangs23 4 ай бұрын

Yes it will I was in similar situation with my daughter my score dropped 11points from 820 to 809

@ReconPro 4 ай бұрын

Hi 😊❤

@STO7750 2 ай бұрын

Coming with AI, social credit score...

@sparingatom89 16 күн бұрын

I’ve never wanted to get more out of a video and yet got so little. You say a lot of words, yet say nothing. It’s like a Magic trick. My time is just gone poof. You left no pauses or transition in between questions. I can’t tell where one ends and another begins.