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Ive been watching you since I was 16/17 and im now 24. I’ve built a 822 credit score, emergency fund, retirement funds, debt free (other than full paid off monthly cards) and I’m saving for a house. All thanks to your videos. Big thank you to you *Pecuniary backdoors*

I started working on my credit 2 years ago. I didn't know where to start I had no credit. I started looking up videos and found *Pecuniary backdoors* . I followed what you said and started with an secured credit card for 200.00 and mad sure to keep my utilization under 10% and paid on time every month. I now have 3 unsecured credit cards and a 757 fico score. Thank Danielle for all the information and tips. Now we are in a position to buy home.

I have 2 chapter 11’s that are dismissed.The reason I have 2 is bcz I did not use an attorney.I was trying to stop an eviction,but when I went to try to add another month’s rent to the bankruptcy, but the guy filed another one. About a month later,I ended up losing my job.They are scheduled to fall off in January and March 2021.Since I’m looking to purchase a home soon but still there.I am currently enrolled in *Pecuniary backdoors* and I must say,I am loving it thus far.I’m doubling it up with your podcast videos and learning A LOT! Thank you.I’m ready to join the millionaire club!!

Is all about having a conscious responsible mindset to protect your home, credibility, My grandmother always told me put away and save at least $50-$100 in *Pecuniary backdoors* . Every time I get paid ..As paying yourself as a bill put the money in an envelope that’s emergency cash for household and myself. take the rest of the pay and take care of your rent and your other expenses… thank you for this video is very informative.

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I stumbled across your video and instantly knew this was made for me. I'm going through the same thing with my business but just knowing that I'm not the only one who's experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude sir and *Pecuniary backdoors* was so helpful during the process of boosting my credit.

The efficiency of this *Top phase resolution* is next level. To juggle walk throughs of various angles on the topic delivered to-camera, differnet content per topic from various folks underneath the umbrella of the track list of the larger big band concert itself is engaging and refined. To make a dense taccess like this so digestible is really something. Awesome work jon!!

You and your team and your associates are absolute legends. Thanks so much for the work that you've all been doing *top phase resolution* on the internet. Keep up with the great work, you've been doing!! Thank you for saving and protecting millions of Americans from this heartless people... What comes around, goes around!!!!! Let them have it, God bless your heart for helping us the victims

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Making those early payments is key!! I personally set a reminder to pay off my credit cards down to 1-2% utilization BEFORE the statement close date and then set up autopay to pay the rest of the statement balance off by the due date. It's worked great for me so far!

The one thing I would say is. As someone who is young, and wanting to try a house young, but wont be able to save up more than 15% or so, wouldn't a credit score give me the best rate. As someone who had a 760 and no debt, meaning it is only rising over time. Wouldn't it be best to just keep not having debt, raise my credit score, and use *Top phase resolution* instead of risking a higher rate

The one thing I would say is. As someone who is young, and wanting to try a house young, but wont be able to save up more than 15% or so, wouldn't a credit score give me the best rate. As someone who had a 760 and no debt, meaning it is only rising over time. Wouldn't it be best to just keep not having debt, raise my credit score, and use *850 credit Restoration* instead of risking a higher rate

I just wanted to say thank you for sharing this. Because you're right. The worst thing that you can feel is hopelessness. And I hope that someone who is on the verge of losing hope finds *Solvency backdoors* and realizes that as long as you're still alive and breathing, there's a chance, there's HOPE that the future is brighter then the present day.

I stumbled across your video and instantly knew this was made for me. I'm going through the same thing with my business but just knowing that I'm not the only one who's experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude sir and *Web back doors* was so helpful during the process of boosting my credit.

Your out-of-the-box thinking and unique perspective turned an otherwise mediocre presentation into a fantastic one *Solvency Backdoors* . You did a good job of catching the mistakes and keeping us from wasting time and by taking the wrong path. Your attention to detail really sets you apart from the crowd. Great work! Leo, Your great work has resulted in tangible, beneficial results to me. You’re a force to be reckoned for doing all these beautiful things to my credit Solvency Backdoors

We need more immeasurably wise and compassionate humans like you on this planet. Thank you for sharing *Solvency Backdoors* , Leo. I bet I'm not alone when I say this video found me at the perfect moment, and there are a lot of things here that I needed to hear right now.

Thank you so much John! Because of this advice my credit score jumped up 39 points up to a 751!!!

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It’s important to add to pay AND make sure the payment POSTS before the statement close date. Some accounts will reflect a payment but won’t actually post to the account for several days.

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The credit utilization explains why when I switched to paying it off twice a month, it raised my credit score a lot (I'm caught up now so I don't carry a balance)

I dunno… I was one of those people that didn’t care about a credit score, didn’t get any education about how important your credit score is, and I racked up debt like an idiot. I worked really hard and educated myself and I’ve brought my credit score from 480 to 690 and I’m still going up with *Pecuniary backdoors* . I feel like the government blaming credit reporting companies instead of the lack of financial education in their own public education system is foolish.

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Thank you Jesus for explaining all this - this explains why my score has been dipping and won’t go up - I will pay off before the statement date now, thank you sooooooo much sir!!!

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I've been wondering for so long why my score drops so much even though I'm always paying off my statement balances on time! Thank you for the info! And no thanks to the banks who don't want us to know this.

So I just tried this this past billing cycle and it actually worked! I always paid my cards in full on the first of the month but paid this month right before the billing cycle ended for each card. In a week my vantage score went up 6 points. My goal is an 840 credit score.

Just an alternative experience. First, processing payments for some cards seems to take place after processing the amount owed. This likely maximizes interest for the banks so I get why they do this. In that case what gets reported is likely your balance. If you really want to show low or zero utilization then paying the day before your statement day is likely safer. Additionally, for many years I have paid the day before my due date so that what’s due is zero across all cards. In effect what this means is it shows up as zero utilization. Which in some scenarios can have a negative impact in your score. When I changed to ensuring payments happen the day before the due date to bring utilization at ten % or less, but still some Balance owed…for me that is the sweet spot for maximizing score if that’s your goal say for bouncing you up a few points to ensure you get the best rate for a potential loan.

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I drove my first car in my dad's name and later went to get a truck in mine after I paid off my first one and drove off the lot with the truck I wanted, its mostly about a good credit score and a loan portfolio helps as well...lenders like to see various forms of loans in your name to be less of a risk and yes you might have to put money down but not HALF of the car loan Your exactly right I screwed my credit as a young man now I own a detailing company and can't get anything with out the full amount of cash. I'm working on my credit to get better with *850 CREDIT RESTORATION* , Love the knowledge keep it up

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In a nutshell, if the payment is due the 3rd of each month, and your statement closing date is on the 6th of each month: Turn off AutoPay or modify it, set reminders, pay 99% of your balance on or prior to the 1st, and then pay off the final 1% balance on the 15th so that the 1% is reported to the bureaus. Generally, the statement close is 3 days after the due date, but other companies like Capital One I can have my payment due the 3rd of each month, but the statement close may be on the 8th, or 7th, so that's why I chose to pay it off the 1% on the 15th each month.

I'm glad u mentioned closing cards,cause other youtubers keep saying never close them,i close every card i don't use and my score average between 810 and 820 the last 10 yrs,i canceled 5 and applied for 7 in the last 12 months

Thank you *850 Credit restoration* so much for you're advice as my credit score is 771 and wanting to increase it as much as possible as I'm just trying to look out for my future. I've subbed you.

I've watched countless videos on this and left more confused than before I watched them. You explained this better than anyone i have watched. Utilization has been my downfall. Excited to put this into action! Thank you!!

Thank you for explaining this in such detail 😊

Everyone should have a dedicated person like you *Solvency Backdoors* . People dream of hiring such a talented expert like you. Keep up the hard work. Thank you so much for your dedication in this process. Thank you for your commitment to your job. Your outstanding performance helped our me alot. Thank you once again for your hard work and dedication.

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Super helpful video! I'm a bit new to credit cards, but have figured this out myself. All I remembered was that I needed to keep my credit utilization as low as possible, and when I noticed that my current balance was above that, I made sure to pay a good portion of it off so it would be around 10% by the statement date. Nice to see that this video confirms that what I've already been doing is what I should keep doing 😊My credit score has improved around 30 points as well and my credit limit increased a couple hundred bucks.

You’re the BEST John!!! Thank you so much for your videos

This may have been touched on in the comments. I have always paid my credit and charge cards off before the cycle went through. We had some personal situations that made it so I could not pay some of them before they cycled but rather before they were due. When I checked my credit, it jumped up 10 pts or so (to 836). I played around with my payments and found that if I keep 1,000-2,000 on my cards for the cycle (and still pay off by the time they are due) my credit is at its highest. I also found that it's not due to the credit bureaus thinking the card is inactive, because I can leave $20 on each one and my credit scores are still drops. Why is it that I have to keep a thousand or so dollars on the cards for the end of the cycle?

I also got to and what I've noticed is it's best not to use your card about 3 to 4 days before your statement closed date because any of that will be adding to your utilization. This happened to me. Just don't make no charge like it 4 days before. Unless you're really low on your neutralization

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I've found the best dates differ depending on statement closing dates. I have one with a closing date of the 3rd or 4th of every month depending on whether it falls on a weekend or holiday, so I just make a payment 1 week before the 3rd of every month now. The card issuer then reports the balance to the credit bureau and I notice the credit bureau doesn't update the new score until close to the 17th. Basically, I make a payment a few days before the 30th of the month, and don 't touch the card until the new score is updated.

You did an excellent video! I subscribed and thumbs up

Very informative video thank you John!

You suggest a low utilization, below 10%. Does it mean that you use the card only to 10%, or that you could use the card even at 50% but before the statement closure date you take it down to 10%? Also, would taking it down to 0% instead be better for the credit score?

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Hey John, quick question for you. How does my American express gold card which has no preset spending limit affect my credit utilization rate, and my total available credit over the span of multiple cards?

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This was perfectly done! Thank you! This exact thing happened to me last month even though my usage was still well below 30% 🤦‍♀️

What if you pay the card off same day. Swipe your card, then go online and pay it off consistently?

From a budgeting standpoint, it's much easier for me to pay off my cards bi-weekly timed with my paychecks. Is it possible to pay your cards off too often, where maybe your utilization appears too low?

I love your videos, they are super helpful! However I’ve heard this concept before and it always confuses me. My closing dates are always 5-6 days after my due date. So if I pay in full on the due date, unless I just happen to have a huge purchase in that couple of days, I don’t usually have much spent in just a few days so I can’t understand how this would really affect my score much to pay again 5 days later. Is this more useful if you just happened to have a big purchase in those few days after your due date or am I missing something else here?

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So do you make two payments? 1. Prior to statement close date/statement close date AND due date. I have an AMEX so I need to pay the full balance each time.

This was an AWESOME explanation of credit monitoring and usage! Thanks for the clear explanation and direction on how to ‘reverse game’ the system. I learned why, even though I do not carry a balance to the next month, my credit score still fluctuates! Looking forward to a 30 point jump soon!

Save yourself 8:03 Watch time. He explains you want to pay your CC before the statement close date. This is when your usage is reported, and is different than the DUE date. The other good tip is try to keep your credit usage under 10%.

I have a question. My statement closing date is on the 7th of every month, but my due date is the 4th of every month, and I've always paid my entire balance on the due date. How would I work with that, since I rarely rack up a huge bill within the first 3 days after I've paid my card off?

So if a credit card limit is 10,000 and you use over the recommended 30% utilisation (let’s say 75%) but you pay back 3,500 before the statement close date, will you utilisation be 30% on the due date? Forgive me I’m new to this.

I just pay mine constantly. Transaction goes through: I make a payment.

Nice video and thank you! One question, my credit limit so far is only $1,000. My statement closing day is coming up, should I pay off and make it $0 in my account? Will it help my credit maximum? Or should I leave it like $10? Which one is better?

I have a question. I generally pay off all my credit cards the day before the statement day and only leave the equivalent of 2% of each credit card's individual credit limit on balance. I wonder if it would be the same to pay all my cards in full the day before the statement day and only leave a balance equal to 2% of my total credit limit on a single card. What advantages or disadvantages could it bring?

If I make a charge on the card before the statement close date and also completely pay it off before then, are they going to think I didn’t use card at all that month since from my understanding they would report a 0% utilization then? I want them to still see that I’m using the card.

But what if your closing statement is after your due date? And you paid off your bill in full and the score still gets dinged?

Nothing like jumping through hoops for the finance industry. Thanks John for the information.

Playing with credit cards will keep a person perpetually poor. Nobody i ever heard of, got Rich from credit cards. I learned my lesson long ago. Now, i have money, CASH. Dont use credit cards. Best advice Dave Ramsey ever gave.

HOW DID ALL THESE BOTS MAKE IT IN THE COMMENTS AHHHHHHHH

By the time you get the statement the statement close date has passed. And while you can guess what day it will be based on last months statement, it often varies by two or three days depending on when weekends and holidays fall.

Interesting. Will try this. I have 802 and just have my autopay set up and have never thought anything more of it

I have 2 chapter 11’s that are dismissed.The reason I have 2 is bcz I did not use an attorney.I was trying to stop an eviction,but when I went to try to add another month’s rent to the bankruptcy, but the guy filed another one. About a month later,I ended up losing my job.They are scheduled to fall off in January and March 2021.Since I’m looking to purchase a home soon but still there.I am currently enrolled in *850 Credit Restoration* and I must say,I am loving it thus far.I’m doubling it up with your podcast videos and learning A LOT! Thank you.I’m ready to join the millionaire club!!!

Knowing the statement close date is a game changer idk how i didnt think about it myself thanks man

I got my first credit card around a month 1/2 ago. My credit has already shot up almost 95 points. I pay my cell bill which used 24% of my credit. $25 payment on the 1st - $23 payment on the 13th before my bill cycles on the 15th 🎉

Let's be even more specific, straight from FICO, their is utilization breakpoints. You really want to let report >29% and lower when your statement closes. But you want to let >9% report for optimal reporting, the best amount is 1%-7%.

i just pay a day or 2 when the purchases post. been doing this and close 800 now. there is no secret, just pay your bills on time

ONE OF THE BEST VIDEOS OF THE YEAR!!!!! Thanks

I got my first credit card in March and I've now been doing this unintentionally for 8 months lmao.

I've made a lot of mistakes and as a result my credit is trashed. I did obtain a secured credit card and plan on using it to pay for gas. I will be using this tip for sure!

I have 2 chapter 11’s that are dismissed.The reason I have 2 is bcz I did not use an attorney.I was trying to stop an eviction,but when I went to try to add another month’s rent to the bankruptcy, but the guy filed another one. About a month later,I ended up losing my job.They are scheduled to fall off in January and March 2021.Since I’m looking to purchase a home soon but still there.I am currently enrolled in *Pecuniary backdoors* and I must say,I am loving

A lot of channels seem to only focus on the FICO 8 scoring model, which is only used by one company, but neglect the Vantage 3.0 scoring system of the other 2. It is similar but the breakdown should be noted.

Thank u for a very clear explanation!!! You are my financial go to guy!!! I have subscribed!!!

As someone who's had a score around 840 for many many years, I can tell you there's an easier way to do this and not worry about paying before the statement date. What will hurt you though is if you no longer have a mortgage or auto loan, but it just makes your total credit much less therefore credit card charges can easily affect your numbers when you make a large purchase, but will flip back when you pay it off the next cycle.

John! I haven’t watched your videos in a while but the editing is *chefs kiss*, love it! Super helpful video 👍

Thank you for being clear in your explanations. I love that you speak clearly and properly, which allows clear understanding. You explain each point and give clear examples, without saying too much. Sometimes KZfaqrs explain so much that all the fluff causes me to get lost. I appreciate this video :)

Once you get over 760 or so most banks don't make any difference in what they offer you. At that point your income is what they look at. Also it really only matters what the score is when you are planning on pulling credit. I always pay them down before doing a pull.

Excellent advice! Thank you.

I started working on my credit 2 years ago. I didn't know where to start I had no credit. I started looking up videos and found *Pecuniary backdoors* . I followed what you said and started with an secured credit card for 200.00 and mad sure to keep my utilization under 10% and paid on time every month. I now have 3 unsecured credit cards and a 757 fico score. Thank Danielle for all the information and tips. Now we are in a position to buy home.

The efficiency of this *Top phase resolution* is next level. To juggle walk throughs of various angles on the topic delivered to-camera, differnet content per topic from various folks underneath the umbrella of the track list of the larger big band concert itself is engaging and refined. To make a dense taccess like this so digestible is really something. Awesome work jon!!