It about time.. Someone who jumps in and tell use the solution right away. This guy does not waste time with a bunch of talking.

I went from a bankruptcy to 814 in 9 years. I worked my butt off. I started with a couple of secured cards and now have 21 cards one with a limit of $21,400. Never thought I would live to see the day. lol

I got ONE secured credit card 😂😂😂😭 no one judge me!!! I’m repairing my credit 💯💯💯💯

As one who has been in the mortgage and finance business for more than 30 years I can tell you that you can take that 850 score and $2 and buy a cup of coffee! You get nothing for having a perfect score. You either have excellent credit or you don't! If you have a 770 score that gets you the same as 850! So, if you want to beat your brains out trying to be perfect, go for it! You know the results!

You'd be surprised how quickly 9 years can fly by.

An easy way to build credit is use a credit card for a dedicated, recurring payment such as your cable bill. Pay the bill using your credit card and set the auto-pay feature to pay that card in full each month. Think about how many auto-pay accounts (utilities, cell, insurance, etc.) you might have that could be building your credit and get a card for each one. You are already paying these monthly so why not use these recurring payments to your benefit and increase your credit score.

I'm on 745 now. Only 8 months ago I was on 640, freshly rejected by Chase freedom after which my 700 score took a nose dive. I was new in the game then with only a 6-month-old secure credit card of $500 limit. Now, I know so much about credit it's almost an obsession. 3 CC's now with a combined $8250 limit. But I am still not gunning for an 850. I just want to be in the excellent range which is 760 and higher. I am inching closer to it with each passing month.

I wish someone taught me this stuff when I was 17 so I could have gone out and applied for cards as soon as I turned 18.

Just graduated college with a 797!

Best credit card advice I've gotten. I didn't really understand that if I'm approved for 1k, I should only spend $100.

Thanks buddy this was great. I’m already above 760 credit score by applying your strategy and I never knew all of this when I started. I actually started with a 610 and now I’m. 760. Took 8mos but can’t believe I was missing so much. Thanks again.

I have had the discover it student card for 6 months and my score is 771. My report shows that the only bad thing I have is a 6 months credit history and I only have 1 card. Other than that my utilization is 2% and I have no late/missed payments. I have learned these habits from you and I thank you for all your credit card info.

Congratulations! Your 850 FICO® Credit Score on 08/29/17 is the highest score possible and does not have any associated key factors.

This is a great video. I have never had this explained to me this thoroughly and simply before. Thanks for the info.

Keep this in mind Higher your credit score lower the interest.

Nice video , very informative. I had score of 850 last time I applied for a loan . All the things you outlined are exactly what it takes to be perfect. Usually people do not think of or worry about their score until they apply for something and are denied.

Thank you Sebby for this, you have already helped me improve my credit score in the past year. In hoping I can make it to the 800's

This video is AWESOME! I never knew half of this stuff. Sharing it with my kids too! Great job, extremely informative!

Great video Sebby! I’m so glad I subscribed! Keep up the good work bro💪🏼

I'm shooting for the 800's. I just want enough tactical flexibility that if I do falter or something bad happens, I might be able to recover well.

That was the most informative and useful video I have ever watched in regard to credit.. You're Awesome.. ☺

Your a rock star ⭐️ Sebby

I really dig this video I saved it and I will watch it whenever I need. I'm trying to approve my score. Thanks

Thanks for the info bro. I appreciate it!

Thanks Sebby and everyone in the comments for helpful tips. Wish all this info was available when I was 20! I'm 30 now and along with my brother we have finally achieved a credit score of around ~825 after years of meticulous credit "gardening". After owning a business for over a decade, I just wanted to throw this out that banks are more likely to approve you for a loan or line of credit the higher your total credit line is at. e.g. They prefer someone with a 750 score with $300k in credit line over someone with an 850 with only $3k to their available credit. Going by experience, you may not get the best interest rate, but your chances are higher if you ever need capital.

F 850. I'm just churning credit cards for the extra 150 for 500 spent.

I have an 850 score, I was able to do it because I've always been financially responsible. I followed simple rules never spend money you dont have, pay your bills off early and never ever miss a payment, and get a few different types of credit and always keep your first credit card you got open. I did cancel one card but I had 2 other cards & a LOC. I use to have a balance but I paid off huge chunks by doing a balance transfer to a card with 0 interest for 6 months, so I managed to pay off way more principal!

Yes sir. I am 32yrs old and I have 815 CS. Im going for that perfect score forsure.

That was laid out very well. Thanks.

Dear Sebby: Thank you for the informative concise videos. You have helped me so much. On the way up from 700 to 850. Greeting from Alameda:)

Because of your advice....I now pay off my CC at the end of everyday I spend on them. Keep teaching bro✊ also nice bottle in that brown bag in the backdrop🥃

Business opportunity. someone manufacture and sell 850 plaque's.

Thank you for the very informative video by the way.

Learned something today, thanks!

I'm happy with 790 right now, but going up to 800+ will look cool. still waiting

Hi Sebby, I'm a new subscriber to you and I'm so mad because I've worked so hard since my first bankruptcy from my first husband that put us into debt in 1998 now my second husband created debt also and I had to file again. Each time I Rose my credit score in the 800's and for the last year my credit score was 859 I was shooting for 900 and now everything's been wiped out again. So this time I'm not going to have this happen again. I'm 61 years old and need to have good credit. I didn't need 20 Credit cards to get to 859. And it took me nine years to get the score because I had the score for at least a year. I only had two credit cards.. Anyway I'm enjoying your videos take care, Carrie

Your direct & to the point! I love it....Great info....But, anything over a 700 is just fine in my book!

Great video, you are a good instructor.

Love the haircut Sebby. 1-Fade high and tight looks dope

Absolutely great info without indirect chit/chat very good thx

You don't want 0 utilization, but if the balance is too low ( like a dollar) the bank might still report it as 0 and write off the dollar. ( I've had it happen to me)

I always thought that getting a better credit score was impossible until a few weeks ago... I had discover increase one of my credit lines by almost 1500 bucks, and that alone increased my credit score almost 50 points, and I opened up a few more lines, and after a couple months I hit 720, all up from about 650. I am pretty young which is why the changes are so drastic, but still really cool to see that happen

This video was helpful and informative. Thank you

I'm an 850 & in my mid 40s. Learn young. It pays in the end.

I'm in the process of rebuilding now.. this is an awesome channel!

21 cards!? 🙄 the credit companies need a slap in the face, I bet the people in the credit companies don’t have 21 cards 🙄

A very informative video. For those just starting to explore this world, I echo Sebby, set up Minimum Pay Auto-pay on all of your cards. Also, respect your budget/pay days and request specific due dates for all cards. Good luck!

lol, already pretty much there, I just pay everything on time without bothering to check my score since I honestly didnt care that much. When I did finally check my score, it was in the upper 700s.

This was useful, thanks.

Thank you . This is what I needed an now I’m go for this score.

A perfect credit score isn't any better than an 800 credit score. Glad to hear Sebby say this right off the bat. When someone doesn't try to bullshit me right off the bat and it makes me want to listen to the rest of their message.

Great video, very informative.

Best video ever!!! Thank you,

OUT OF ALL THE SITES, YOU ARE THE SMARTEST, AND THE EASIEST TO LEARN ABOUT CREDIT.. VERY INTERESTING... THANK YOU...

hahaha "If you still want that 850, See you in 9 years" omg that was the best

Great video, Great insight, thanks for the knowledge...

"I'll see you in 9 years" LOL!!! That was hilarious!! :D

Good advice. However, regarding getting 21 credit cards and then waiting 9 years, there may be one catch that you didn't mention. Many (most/all?) credit card companies require you to actually use the credit card once in a while. Failure to use the card for a large period of time can/will result in the credit card company closing your credit card account, possibly without notice. If you liked that card and wanted to keep it going, you'd need to re-apply for a new credit card, setting the amount of time for that card back to zero. I mention this because I learned this the hard way. I had a credit card for 13 years - it was my longest-owned card. However, I didn't use the card for a couple of years, and the credit card company cancelled the card - without giving me any notice and without giving me the option to keep it going. So that "get a bunch of cards and hold on to them" plan may require you to use every one of those cards periodically - perhaps once every 3 months - even if it is just to buy a candy bar or something. So that's 21 credit card uses every 3 months - not impossible to manage, but not trivial either.

i subscribed. Thanks for this video. learned a lot. its amazing how everyone needs credit. yet they dont just tell you the formulas of how the score works or tips to keep it high.

Great video. Solid information !

Great video! I'm fairly new to all this so I'm just trying to get a headstart and build my credit score up while I'm in college and things aren't too rough. I only have one card and have a score of 751, but get updates monthly saying my age negatively affects my credit score so I'll test out the things you mentioned and hopefully I can finish college with a score around 800.

Great talk!

Excellent advice!

Love the channel! Question 1: Are all these credit scoring tips the same for Canada as in the US?

Great info. You got yourself a new sub!

shessshhh I'm at 815 ....need to continue my journey. Guess it was the inquires of I approved. Great advice !

Great content Sebby! Could you please do a quartly or yearly quick round up video that addresses if this is still accurate or have things changed? Thanks!

Amazing video! Thank You

im going for a 850. i look forward to a perfect score also. great video very well put together!

amazing video !! i needed to know the math behind the payment history !

That was amazing. Thank you

My credit score just shot up, and a month faster than I expected. I made a large payment on my biggest debt, a few hours before my statement was finalized. Even though my free credit report said they report every 1st of the month, my July 25th credit score reported the statement balance from July 18th. Nice to know, and it was instant satisfaction from paying my debt off. One of my other cards truly is about a full 7 weeks behind in actually reporting.

Excellent video. Thank you so much!! :)

Excellent video!!

Ughhh thank god I find u, ur a life saver I'm about to be in adulthood so stressful I just turn 19 I've always been a independent adult at a young age with no parents but god damn I'm at the age of wanting to purchase big items like a condo/penthouse & car.

Thanks, very helpful

Thanks so much so great information video!!@

Please make a video about how often you open new cards, and cancel cards. It seems like you have the Chase Reserve, Altitude Reserve, Amex Platinum, and Ritz Carlton...do you plan on holding on to all of these? Thank you!

Actually had some new info I didn't know. I'm definitely trying for 850. Highest I've had so far is 830. I need a few more accountst, and a few more years average age.

Thanks for this Sebby ! I’ll be happy with 800 😎

Thank for the credit information. Now I know how to play the game.

amazing video bro.

850 isn't good enough, I'm going for a 900. My credit excellence will break the algorithm :D

Excellent thank you!

21 Cards?! Jesus, this sounds overwhelming lol.

love your channel!! if you pay off the balance before the statement hits, do you still get the credit for minimum spends? and also reward points? or do you need it to hit the statement to get those benifits? thanks Sebby!

I was told by a Citibank rep, that inquires after 6 months are not calculated as much as 1-5 months.

Great video. I’m a professional and you did a great job.

I like this guy he is right on. It depends on the banks. I was late and backed up on a couple of credit cards and I received an inherence and was actually late on some of my credit card "BUT" because I paid them off early and had a substancial amount of money in three financial institutions my credit score went from 650 to 850..Like he said, big deal, the world didn't stop, the marching bands didn't come down the street, wall street didn't interview me, and all in all it didn't really matter, !!!!! He is right !!!!. When I went to buy a home, the mortagage company didn't even look at my credit score because I put down 20% on the home.(I wished now that I would have just paid in full - now property taxes, school taxes are going up--and I escrow) ..I was coming in with equity. I was a serious a serious buyer and the 20% spoke more to them than credit score. I also financed the house through one of my financial instituation so closing went fast. The best way to go is not to deal with credit cards but if you do, pay them off before they are due---if you can......Yea good luck on that because you never know when the air condition in on the house is going to break down and cost you $4500 for a new one, student loans, and all the unexpected.... That's why America today is $1 trillion in credit card debt........When government starts ( and they have ) to drop tax rates from 25% down to 20% or lower that's when I believe you will see credit card debt drop off. You will be keeping more of your hard earn dollars.....and living less on credit.

Good information! Not going for 850 but I do want to go up! Thanks!

Great video

I have an 813 fico score that goes up and down 798 -817. It’s been a real struggle for me to achieve my 850 goal. Pls advise.

👏🏽👏🏽👏🏽👏🏽👏🏽 thank you!!!✨✨✨

exactly what im doing. had 500 credit. got a secured card. boosted me up to 700. after a year i got another 10. now im just sitting on them. next is a loan so i can make installments. they like to see that.

I have 750 credit score was satisfied untill i watch this vídeo going for 850!!!

good tips👍👍

One good thing about this is to figure out who is likely to report your missed payments. Mom and pop landlords for instance might not report missed rent.

This will be to go i would like a no# 1 large with extra mac sauce. Thanks

hi bro love ur channel

Awesome video