What is a Credit Score? Kal Penn Explains

What is a Credit Score? Kal Penn Explains | Mashable

Рет қаралды 545,711

Күн бұрын

Everyone's heard of a credit score, but what goes into your personal number may surprise you.
Featuring: Kal Penn, Beth Stelling, Kevin Barnett
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Пікірлер: 502

@B_e_e_k_a_y 4 жыл бұрын

If school won't teach me anything I need then I always got the internet

@MariaHernandez-ju6mw 4 жыл бұрын

Same though :/

@themartinupcashatgmailcom6830 3 жыл бұрын

Dm creditor marshal for any inquiries Hangout>> Anonymousmarshal@

@xuhax3156 3 жыл бұрын

But they blocked it on school computer

@cheryljonson2550 3 жыл бұрын

My credit score was 571 and I couldn’t get approved for a loan, a car and a house... NOTHING! It was draining in every aspect of my life because I got kids I have to protect their future. A few weeks later, my score suddenly shot up 830, Hackergold02 on instagram he’s truly honest about what I want and what is expected of me to do. He told me it would take a few weeks to get it done approximately a week and he kept to his word. Now I can thank him enough. Get in touch with him today and make a bright future tomorrow. Hackergold02 on instagram, they are really the best trust me you can even message them on WhatsApp ‪+1 (551) 444‑9099‬

@johnkira2095 3 жыл бұрын

You can also get an outomatic approval of $5000 from New coast Direct. Spend 100-150 and get a credit lunt of $5000. So combined with my jeweler and New coast Direct that’s $10,000 in credit for $300. My score was 640 and after the first month of repotting it went to 850 I am so happy to meet Hackergold02 on instagram for his help over me is the best you can even message them on whatsapp ‪+1 (551) 444‑9099‬.

@jamdog9993 3 жыл бұрын

pov: you're watching this for finance class

@don1x703 3 жыл бұрын

yes

@johnkira2095 3 жыл бұрын

@Noaha-mo8nf 3 жыл бұрын

Does anybody else know this guy from the Netflix series designated survivor

@drewsplayingames8793 3 жыл бұрын

nice number of dislikes ;)

@johnkira2095 3 жыл бұрын

@@drewsplayingames8793 message hackergold02 on Instagram

@jsin22366322 6 жыл бұрын

I’m a simple man. I see kal penn, I listen.

@Herb-bm1mg 4 жыл бұрын

R1_Rebe1 I went to this video since I saw him

@YazminAbat 3 жыл бұрын

X2 same here

@johnkira2095 3 жыл бұрын

@anthonywike8042 3 жыл бұрын

called it

@kellishort3581 3 жыл бұрын

He's so much amazing like allforgodcyber1 *** G-mail

@mechanicaljackass2261 3 жыл бұрын

I’m so glad they used Kal penn for this I’ll listen to him on anything 😂

@iselamorales6167 3 жыл бұрын

School never taught me this....thank you

@robertupchurch9728 3 жыл бұрын

I recommend a very good specialist Michael Gibbs [Gibbs@creditpatchup.com] who helped me so much to improve my credit score and removed all negative items that I didn’t want. My score was 510 and after 13 days it was boosted to 790. I was very pleased and desire to share this with the world. I was not sure he would actually do it because I have been scammed twice. He told me all I need to do which I humbly did without hesitating in less than a week I saw the miraculous job, I couldn’t believe it. And I got a mail from credit bureau confirming the good job he did. Contact email [Gibbs@creditpatchup.com] Cheers.

@themartinupcashatgmailcom6830 3 жыл бұрын

KZfaq teaches more than school. Try it out with creditor James Hangout: Usahackerzone

@kellishort3581 3 жыл бұрын

@@themartinupcashatgmailcom6830 I did also got his Whatsapp2602030909

@jaxxzgamer5142 2 жыл бұрын

To put into a reference I think younger people might understand is that It’s like a level in a video game that is displayed a lot The higher the level the more expensive weapon you can get you know

@monicalewinsky8050 2 жыл бұрын

I agree with you

@xyde5010 2 жыл бұрын

but u buy it in debt so u have to pay back the money right ?

@lavasquantum.9042 2 жыл бұрын

@@xyde5010 you cant buy a expensive weapon if you are in debt because you are not guaranteed to pay it back

@zenmeister4514 Жыл бұрын

My credit score has consistently gone down ever since I took out a Merrick Bank credit card. That's even after I have NEVER missed a payment, ALWAYS pay off my entire balance each month (99% of the time), ALWAYS pay all my bills on time. It seems to me that credit scores are more a reflection of these agency's money paranoia than the consumer's payment history! I also get the feeling that these agency's actually enjoy attacking one's credit score...just say'n'...

@johnnyhenderson7486 Жыл бұрын

damn that's crazy

@matthewmartinez3774 Жыл бұрын

damn that's crazy

@johnnyhenderson7486 Жыл бұрын

@@matthewmartinez3774 I wasn't joking btw. But if I can deduce well enough you think I was joking or you're just mocking me. Either way, I was acknowledging the guy's experience, not mocking him...

@Alex_10290 Жыл бұрын

Damn that's crazy

@empowerimpact6324 Жыл бұрын

Dumbest thing in the world is credit score calculation I had a 707 credit score with the only change afterwards is trade in a car for a new one so one loan paid off for new one Continue to pay off full credit card balances BEFORE they're due And my credit score goes down to 685??? while NEVER having a late payment??? 100% ON TIME PAYMENT HISTORY I'M DONE UPDATE: Now I'm down to 680 while paying carnote 1 week before due date & continue to pay full credit card balance on time 100% on time rate & score goes down???? I really don't get it penalized for a new car loan but isnt that the point improve your credit so you can improve your car & car loan

@kellishort3581 3 жыл бұрын

A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of an individual.

@kellishort3581 3 жыл бұрын

Dm Whatsapp2602030909

@amarion Жыл бұрын

Bro used a thesaurus 💀

@empowerimpact6324 Жыл бұрын

@MikeTrieu 8 жыл бұрын

Wow, finally Mashable has some useful content.

@johnkira2095 3 жыл бұрын

@kellishort3581 3 жыл бұрын

Yeah, I look up Allforgodcyber1 Vi*a G-mail

@PRJC-ZR 9 ай бұрын

pin of shame

@HyperFleX77 4 жыл бұрын

just looked up this Kevin Barnett just for curiosity and it says he died last year now I'm looking at this very upset

@itsyaboi1245 3 жыл бұрын

You know what women really love in a man? Good credit

@kellishort3581 3 жыл бұрын

@Julie Steve yoo he's so much amazing 🤣

@jinn7951 8 жыл бұрын

Kal Penn Rocks...

@ChrisDAndrealifestyledesign 4 жыл бұрын

Woah that’s Seth from Designated Survivor 😳🤭

@johnkira2095 3 жыл бұрын

@NetHeart-uk2vs 25 күн бұрын

Genius and very helpful I love you and this was the last thing I needed to learn today so I'm very happy

@truthbot8907 4 жыл бұрын

Why does everyone still fall for the whole “credit score” scam? Mind boggling.

@alondracarreno1376 4 жыл бұрын

Bc it isnt something schools educate students on.

@kellishort3581 3 жыл бұрын

@@themartinupcashatgmailcom6830 yeah, he's truly legit. Got him on Gmail already

@TheMrFlyBoy18 2 жыл бұрын

After you said Mind Boggling, my response? I like dogs. See what I did there? 😂

@daslivakenya3275 4 жыл бұрын

If you pay your statement balance on time but not in full, you will incur interest charges on the unpaid portion.

@robertupchurch9728 3 жыл бұрын

@barbarahodges8835 2 ай бұрын

Thank you so much. I’m looking to build a high credit score and I appreciate your sharing this needed info.

@stevend1420 Жыл бұрын

It's dope I wanted to learn a bit more about credit. But also got Kumar!

@v_8054 4 жыл бұрын

I'm a 12 year old trying to learn about credit cuz as soon as I turn 14 ima start working, then I'll buy myself a credit card with my moms permission, and from then on I'll be working on my credit score

@orokoji3877 4 жыл бұрын

Good luck the younger the better bro I'm 14 so im a bit late but I'm more focused on investing

@brianterrilllendingcompany7099 3 жыл бұрын

the best way to start is to piggyback on your mom's or dad's credit card if they let you. Don't be fooled by those telling you that you need to use a lot of credit and don't use credit for just anything. My friend has perfect credit and never bought a car with a car loan, he's a mechanic and just buys broken down cars and fixes them. Cars always loose value so using credit to get an expensive car is not a good idea at all. I'm a Mortgage broker and so I do home loans, some of the worst credit scores deal with people who take out expensive car loans. If you want to get a good mortgage when buying a house you'll want not only a good credit score (720's and up) but also make sure your debt to income ratio is below 43%. Your debt is your total monthly payments on loans such as house loan, car loan credit cards etc vs what you bring home.

@LostMySauce 8 жыл бұрын

Kal Penn always sounds like he has a stuffy nose

@johnkira2095 3 жыл бұрын

@aidanthecornett4257 3 жыл бұрын

Either y’all are replying to nobody or somebody deleted an account and made the two comments above me look mighty stupid

@trumanway3763 3 жыл бұрын

I always get him confused with ajit pai

@kellishort3581 3 жыл бұрын

W-hatsapp2602030909

@rapinncapin123 2 жыл бұрын

🤣🤣🤣

@drelliotn.kennedy988 2 жыл бұрын

I came here to learn how to invest after listening to a guy on radio talk about the importance of investing and how he made $960,000 in 4 months from $160k, somehow this video has helped shed light on some things, but I'm still confused, I'm a newbie and I'm open to ideas.

@JoreDEJuan 2 жыл бұрын

Investing in stocks is a good idea, a good trading system would put you through many days of success.

@stephenadams8698 2 жыл бұрын

Having monitored my portfolio performance which has made a jaw dropping $470k from just the past two quarters alone, I have learned why experienced traders make enormous returns from the seemingly unknown market.

@SimonKelly7836 2 жыл бұрын

@Benjamin Paulo Exactly, the trick is to diversify your investment, don't panic when everyone else is and invest consistently.

@drelliotn.kennedy988 2 жыл бұрын

@@stephenadams8698 Hello Do you trade on your own?

@stephenadams8698 2 жыл бұрын

@@drelliotn.kennedy988 Hi. Am trading with expert Mrs Mitchell Roland, a regulated broker in the US. Met her sometime early last year at a startup funding event. She had some interesting things to say about the state of algorithmic trading today.very obviously I'm seeing the results.

@rohzino 3 жыл бұрын

Thanks, Dr. Kutner.

@deanbaugh261 4 жыл бұрын

Lmao kumar in my business class this is so funny

@pseudoplotinus Жыл бұрын

I still don't see the point of a credit card, like why is a high credit score good? It only means that you can borrow money more easily? What the point of that?

@jacobschinzing5962 3 жыл бұрын

never thought id be taught by the great kumar

@usahackerzoneongooglechat7158 3 жыл бұрын

Hey, get ur fico score more booster with the legit work of @stevemoney4peace on IG he's highly recommend.

@angelicastella5018 3 жыл бұрын

He is reliable and trusted .

@usahackerzoneongooglechat7158 3 жыл бұрын

Hey, get your fico score more booster with the legit work of @stevemoney4peace on IG He's highly recommend.

@mrgoldfish6746 6 жыл бұрын

So credit is going on debt so then in the future you can go on a bigger debt ? I'll rather have no credit score in that case

@thedjentleman3794 6 жыл бұрын

MrGold Fish wut

@kjbbjk029 4 жыл бұрын

They should've had him say actually I think white castle sounds good about now

@ossenworst3 Жыл бұрын

Ridiculouse that having debt and paying it s something that is favourable for creditscores. Broken system

@bobbyhill4118 4 жыл бұрын

So what would happen if I strategically took out loans from the bank for pretty much everything I needed but then again, already had the exact amount of money set aside to pay them back the exact amount I borrowed the very next day for all my payments? So like if I wanted to buy a new car, I could take a loan out while still having the money I already earned from working to pay for it? Or even like, with my bills, I could do the same thing, maybe?

@memybrain1458 3 жыл бұрын

Magic mike

@jovenjota4821 2 жыл бұрын

Thats fair

@Splexsychiick 2 жыл бұрын

This what I don't get. Cuz like why not just pay out right rather than pay that amount plus interest and other fees they tack on. Seems like credit scores are a scam. What if someone who hibitually pays late but is actually financially stable. Like someone who forgets or is lazy. Maybe they do it strategically. I think people put too much weight on credit scores. They don't get to see the full picture of a person.

@articobear Жыл бұрын

@@Splexsychiick Well if the person forgets or is lazy then the bank won’t trust you as much

@eeriedan Жыл бұрын

Reminds me of a quote I forget the source of “if you can’t buy it twice you can’t really afford it.” Though I’m still learning how that applies to credit score as I am a baby adult. 😂

@joelarthur6203 4 жыл бұрын

Only one who repair it does me legit is worldhackall on IG📶💯

@feliciaamber9553 4 жыл бұрын

Joel Arthur how fast to due date?

@katochstore8650 4 жыл бұрын

Joel Arthur thanks saving me from bad reports sir🙏🏼

@feliciaamber9553 4 жыл бұрын

Katoch Store how fast is it ?

@jacobking3736 4 жыл бұрын

@@feliciaamber9553 They're both bots, it's fake. Nobody can fix your bad credit score but you

@UmiZoomR 4 жыл бұрын

fake

@n300zx931 6 жыл бұрын

813 here. About to pop up even more after my car loan shows paid off.

@Themadoutbacker 8 жыл бұрын

A credit score is a way for private entities to control your financial future without any ability for you to fight it.

@DrSwazz 7 жыл бұрын

-Sticks the Badger

@thedjentleman3794 6 жыл бұрын

You will have 0 financial future if you fuck up your credit

@LawlessNate 5 жыл бұрын

You determine your own credit score. The fact that private companies keep track of who does or does not pay their debts isn't the issue; the issue is with people who don't pay back their debts.

@HeebeeJeebees323 3 жыл бұрын

Cant believe I’m learning finances from Kevin Venkataraghavan

@baconmunchgd5447 3 жыл бұрын

Yo I didnt expect my boy kumar to show up and for my finance class but here he is.

@reshadunchained5113 2 жыл бұрын

You need a credit score for regular finance, and pretty soon you’ll have a credit score for DeFi

@lightartis228 Жыл бұрын

Yes on paper credit score system sounds ,good... except we ignoring the fact that it forces people to take loans on regular basis and if you don't take loans then you have no loan history of making payments in time and therefore you can't buy anything important regardless if you want to do it through loans or cash lmao...also taking any loan means that you will always have to return more cash then you borrowed it directly additionally draining your income and" getting used to" taking loans one of the most terrible things you can do to yourself...Cuzz nothing makes you more bad with money then getting used to spending cash that you don't already have ,and being bad with cash means that you will live from paycheck to paycheck literaly regardless of your income ...no wonder average American does not have 500 bucks for unexpected expenses lol... "USA is financially best place to live in the world" who came up with statements like that? Same guys who came upwith credit score? xD

@300ondra 8 жыл бұрын

KUMAR!! :D

@johnkira2095 3 жыл бұрын

@kellishort3581 3 жыл бұрын

Whatsapp2602030909

@neew008 Жыл бұрын

Kumar made hes own youtube channel 😂😂😂

@sidkings 3 жыл бұрын

Kalpen Suresh Modi..

@baconmunchgd5447 3 жыл бұрын

I think id rather have some white castle than tacos but thats just me

@cole1714 Жыл бұрын

me when kal penn appeared: Kumarrrrrrrrrrr my friend make this make sense to me

@a-dhill 4 жыл бұрын

How is this guy almost at a mil subs??????

@rrmindustries 2 жыл бұрын

I recognize the narrator from Designated Survivor

@gen-eternity198 3 жыл бұрын

that guys from designated survivor on netflix

@donettalowe9673 8 жыл бұрын

Kal Penn. ur fuckin awsome our family loves u!!!!!

@sadcat7947 8 жыл бұрын

Dude please make a new Harold and Kumar ,NPH said there will be another one in the last movie.

@kellishort3581 3 жыл бұрын

Dm Whatsapp2602030909 for any inquiry

@johnsablan9649 2 жыл бұрын

The credit card scoring method that they are using needs to be revamped. One of the BSs that needs to be corrected is when you obtain a car loan, then pay it off on time after 4 years - one account is closed, which lowers your credit score. Even if it's a low-impact, why the score decreases? You're supposed to be rewarded for paying off your loan, not punished! This is a #1 BS!

@c-4839 Жыл бұрын

Hey! There is Kumar explaining credit score and I thought Harold was the finance wizard

@shakifur 8 жыл бұрын

@perlenios 2 ай бұрын

Isn’t Kal Penn an actor that stars in House Md??

@matthewbuczkowski2242 Жыл бұрын

He was on How I Met Your Mother

@calvinnotklein6368 2 жыл бұрын

Teacher showed me this today. I started busting my ass laughing cause I realized it was Kumar.

@sharonallison2133 4 жыл бұрын

What's your credit card balance? If you choose to answer that question - and you probably shouldn't, because it's none of our business - you should answer it with a question of your own.

@meganb.davidson4803 4 жыл бұрын

I did use the services of a programmer called Michael Gibbs from Credit Patch Up LLC to get rid of bankruptcies and hard inquireis off my credit report and my score was also boosted to 790+ within few days. You can get to him via [Gibbs@creditPatchup.com] if you're in need of any credit help or advice.

@felipereciobusquier925 3 жыл бұрын

I didn't know cutter knew a lot of economics

@Mad.Productions 3 жыл бұрын

Nice video! I make videos about the same topic only for the romanian community!👍😁

@harmony3395 Жыл бұрын

So the uk is £2.3billion in debt and they want to give ME a credit score?

@Lowskii 3 жыл бұрын

Damn u now I want Taco's

@AZoner Жыл бұрын

The Fico system of scoring in my opinion is garbage. Ask five lenders what your score is and you will get 5 different answers. The difference between the high and low score will be large as well. Serious credit reform is needed.

@Adam_Johns 4 жыл бұрын

my score is a solid 5

@CkWilD 6 ай бұрын

I met kal penn what a good dude man likes nascar

@MuhammadAmir-py5qy 3 ай бұрын

Be happy don't worry

@kwesivictor8179 11 күн бұрын

Isn’t this the guy from designated survivor?

@Doom_Guy__ 4 жыл бұрын

Kumar, what are you doing talking about credit?

@ayodezfn 4 жыл бұрын

I just want the answers

@memybrain1458 3 жыл бұрын

Same bro

@geopat4298 4 жыл бұрын

Why is my credit score 852 if it only goes to 850?

@seagullspit6048 4 жыл бұрын

There are three different scoring systems that evaluate scores, Equifax, Experian, and TransUnion, and they have similar ranges but they are still different. However, none of those three go over 850, so whoever's providing you with your number is either a scam or using a completely different fourth system.

@geopat4298 4 жыл бұрын

Pumpkin Spikes I got my score directly from the Equifax website. They list their scores as going to 900.

@seagullspit6048 4 жыл бұрын

@@geopat4298 Interesting

@Mark-vz5xb Ай бұрын

I seen this man at white castle

@afgbadboy112 6 ай бұрын

Wait a minute is that kumar from haruld and kumar??😅😅

@phish_1 Жыл бұрын

I don’t really like debts!

@malbung 3 ай бұрын

Doesn’t exist in Switzerland. They check your income that is it

@Paulineee_v 3 жыл бұрын

Is this Kevin from himym?????

@juliussantiago7463 Жыл бұрын

KUMAR?

@abdullah7792 3 жыл бұрын

Isn't this Robin Scherbatski's therapist?

@fansemyuno1952 2 жыл бұрын

kumar,where is harold?

@foxnappr5507 2 жыл бұрын

who knew Kumar from Harold & Kumar also does finance.

@ROMANEMPIRE69 3 жыл бұрын

Look Kumar eat your White Castle and shut your face. 😜😜😜😜😜. Jk great video. 👍🏽👍🏽👍🏽👍🏽👍🏽

@itismeadhel2720 3 жыл бұрын

He is from himym !!!!!

@thankssomuchbesthackx85atg37 3 жыл бұрын

My score point was low that I can’t afford to apply for a loan not until I came across Larryhack247 on iG for helping fix my score point without any stress.

@axelpalomares3380 3 жыл бұрын

Man, I thought there's a prize if you have higher score..

@easyunlocks599 3 жыл бұрын

Wh@sapp

@kellishort3581 3 жыл бұрын

@@easyunlocks599 260-203-0909

@randomavenger3048 2 жыл бұрын

This is the western countries' social credit system.

@chieir Жыл бұрын

Why don't they call it debit score?

@MrMikkkkkkkk 4 жыл бұрын

TACO TUUUUUUUESDAY

@kellishort3581 3 жыл бұрын

Whatsapp2602030909

@myakhlom3960 3 жыл бұрын

wait i thought you were a therapist

@mohammd100 10 ай бұрын

I thought you are dead from House MD :)

@starxx2124 3 жыл бұрын

POV your here for business 👩‍💼 class

@ehitydurian3612 3 жыл бұрын

I got all hard inquiries removed off my credit and get more score boosted to 850 with the legit work of @horlywebcyber. He's 100℅ legit and trustworthy

@athuriekeer9327 3 жыл бұрын

@josephisaguy 4 жыл бұрын

Woahhh ur ur u do this?!?

@harditmohammed1554 Жыл бұрын

ahmad from 24

@atticusjones 2 жыл бұрын

This guy taught me to - Check on my friends with depression - Avoid Frank Underwood. - Vote for Obama. - Manage my credit. Time to start calling him Daddy me thinks...

@kayinterest2926 2 жыл бұрын

wth

@cronaldjefferson3235 2 жыл бұрын

Roldy

@nadirkatana998 3 жыл бұрын

sup kumar

@louismatassa9105 3 жыл бұрын

👍 📹!!!!!!!

@Leaderofthebirdclan 6 ай бұрын

Credit scores, debt, monetary system, it’s all financial tyranny. Just the knowing that you are poor effects your health and longevity. The stress slowly kills you. It’s time for humanity to evolve past capitalism because not everyone is going to keep up with the insurmountable bills.