I had an EVICTION JUDGEMENT -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- and quite a number of other negative items on my report with a low 400's CREDIT SCORE. These prevented me from getting a mortgage until I starting looking for help. After he finished working on my REPORT in just 14 days, my CREDIT SCORE increased to 780, all the negative items on my REPORT were deleted permanently and he added good trade-lines to boost my credit mix (Mortgage trade-lines, Installment trade-lines, Revolving credit cards and Auto tradelines) on my report, I got the mortgage and that was phenomenal! ,thanks to Michael Gibbs ---[Gibbs@creditpatchup.com]--

Paying twice? You only have to pay once. As long as you pay it down before they report to the credit bureaus. Paying more than once does nothing.

Thank you so much!

I had an EVICTION JUDGEMENT -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- and quite a number of other negative items on my report with a low 400's CREDIT SCORE. These prevented me from getting a mortgage until I starting looking for help. After he finished working on my REPORT in just 14 days, my CREDIT SCORE increased to 780, all the negative items on my REPORT were deleted permanently and he added good trade-lines to boost my credit mix (Mortgage trade-lines, Installment trade-lines, Revolving credit cards and Auto tradelines) on my report, I got the mortgage and that was phenomenal! ,thanks to Michael Gibbs ---[Gibbs@creditpatchup.com]--

I think it is one of the best first credit cards out there! The secured version is almost guaranteed to approve you and it turns into a regular credit card (and gives your deposit back) after a few months of good use!

I started with a Discover secure $300 credit card. Every month before six months. They kept reminding me to use it properly and after 6 months I would be eligible for a non secure card and refund. Sure enough after 6 month got my $300 back and graduated to a $1800 regular card. Now is were all strategies come into play. They will no longer guarantee a credit increase every 6 months. They may do it periodically but you have to ask for increase. Definitely keep it way below 30% utilization ✌️.

That was my Chase banking app.

Yes! Often more credit cards and more available credit will improve your score. You may see temporary drop in credit score after applying for a credit card due to the average age of account being 0 months and likely a hard pull on your credit. However, after six months the benefits outweigh the short term drop. I have plenty of videos explaining this and way to get around the temporary drops on my channel!

Did you payment before the statement close date? The statement due date is what is sent to the credit bureau

you have to give it some time before paying, if you pay it instantly the credit bureau might not even see you made a transaction and payed it, thus not raising your credit

Yes that’s a big problem

I know this is a month old, but from my understanding, the Opening/Closing Statement covers the previous month's history, because most credit card issuers offer a "Grace Period" on their cards (There are some that don't, so make sure to ask about it with your credit card issuer). Basically, it has nothing to do with your due date, which only covers the current month. This is why the Closing statement is always first, because it covers a specific time period (In this case, its always the previous months worth of transactions). Lets say I have a Discover card, which has a Grace period of 25 days. My Opening/Closing statement on my bill is from Apr 28 - May 27, and my next payment due is on Jun 22. I will be paying for my cards usage during May 28 - Jun 21. *MY TRUE OBJECTIVE* however, is to have my balance in that sweet spot of 9% or so *BEFORE* The closing statement arrives again on Jun 27. This is why Daniel Iles recommends you pay before the closing statement, and then before your due date, because it is the best strategy to avoid Interest charges/missing a payment, AND it keeps you in that 9% threshold for the Credit Bureaus. Of course I am just learning like you are, so I could be mistaken, but this seems to make the most sense to me after looking through my history.

@@GoInGcRz I still don't understand, say if my due date is Nov 25, my Closing Date is 28, my statement balance is 40, and current balance is 90, I would pay 40 bucks before the due date so Nov 24, then I would pay around 45 bucks before the closing date nov 28?

@@monkeybingo373 If paying off that amount leaves your Utilization rate at 9% or slightly below, then that is correct. Paying your "due balance" is just to cover the amount owed so you don't get charged interests, but ensuring your Utilization rate is 9% or so is your main priority. Lets say my credit is $2000, the balance $1000, and my monthly payment $50. My $50 dollar payment is only relevant to what i'm supposed to pay every month. After paying, my balance remaining is $950. Since my Credit Line is $2000, I want to ensure that I pay off the remaining balance so that it shows I only used 9% of the Credit Line before my closing statement date. I already know that 10% of $2000 is $200, so that means that my remaining balance needs to be at around $180 so it shows 9% Utilization rate, and 150 so its the 7.5% Iles recommends.

@@GoInGcRzok thanks for the response

Try 9% and under

Total balance on the statement date, yes

They correspond to different months. Statement date 23/24 due next month on the 18th

Probably just the literal 1 cent, then.