This is so awesome! Congrats! There's so much to learn about managing finances, I'm just trying to help kickstart that learning for some of us younger people! Thanks for the support!

Awesome! Congratulations!!! Thanks for watching and commenting!

Hahaha! That's funny and good to know because there's a lot of finance people on KZfaq saying they have a score of 850 LOL. They were making me jealous for a while there before i came to my senses hahaha! Thanks for the comment!

You have no idea how helpful your comment is to me. 780 seems a lot more attainable than 850. Thanks!

I have an 850 FICO score so it is achievable. Not bragging, just a fact.

You're welcome! Thanks for watching and commenting!

NICE!!

Glad to hear it! Thanks for watching!

Haha! Thank you!

jimmy Faust Jr 😂😂😭😭😭

Glad you learned something new! Thanks for the comment!

You're welcome!

Great video, I was seeking for a legit credit repair a while ago, I had tried the usual methods to get back a good credit score. Then I met a really good mortgage banker who does Home loans for California he introduced me to a Network Engineer "mastercreditfix@gmail com" that fixed my credit literally in 4 days and also cleared my bad collections, I was down to 455 before I met him, I'm happy now with 792.

Thanks!

Thanks for watching!

Thanks!

Yas! Thanks for watching and commenting!

Based on your comments, I wonder if the car loan (I'm guessing you financed the car) has somehow affected your credit utilization and/or the variety of different accounts you have on your report. If so, then getting a new car loan to replace the one you had might restore your credit score although it probably won't be an instantaneous thing. If you have some derogatory issues on your report then you would want those contested and removed (if possible). If your utilization is too high then check out the other MissBeHelpful videos to see how and why lowering it would be a good idea. If you have too many inquiries then stop applying for new credit and let them age off (about a year to lessen their impact and/or two years for them to get removed off your report). It's possible, depending on your trade-lines, that getting a new credit card and/or loan might boost your score; although you'll take a short hit, you should get a higher score over time. Finally, in the spirit of her closing remarks: just letting your credit report age will increase your score; i.e. keep doing good stuff like paying on time, not applying for credit, keeping your utilization low, etc. and over time your score will increase naturally. Hope this helps.

avburns Thanks! Your advise was very helpful.

You're welcome! Thanks for watching and commenting!

Melanie You qualify for the lowest rates for everything from auto to home to personal loans. You also get access to the most elite credit cards with the best features!

Thank you!

chizzetel when dealing with a auto loan its almost always best to try to go thru your bank or better a credit union because they are more lenient when approving loans because they arent for profit like big banks. if your score isnt 700+ you could end up paying more than 10% in interest alone. also its bad if alot of lenders pull your credit when financing a car which is more the reason to get approved on your own first. each hard hit is 2 years to fall off so if you must finance at dealer try to limit to under 3.

Awesome. Thank you so much this is useful information.

Thanks for the comment!

That's right!!

Yup! That was me too! Just hit a bit more than 750 - and you'll be alright! Thanks for watching and commenting!

Call the Credit bureau and tell them that it has been settled and you would like it removed. They may need you to submit it formally in writing. Thanks again for watching!

You need to write to the bureau and dispute that with a formal claim. If you google the question there's lots of blogs that will tell you the step by step process of disputing and how long it takes to see results. Good luck!

Chadboy2012 download the credit karma app you can dispute it. i have removed multiple items from transunion and equifax. i also have the dispute letters i can send to you if you shoot me your email.

karmich k Credit Karma only reports 2 out of the 3 credit bureaus. He likely used your FICO score which you can get on myFICO.com.

Thank you! Love your videos! Keep up the good work! :o) ♡

Thanks, BahnLife! I appreciate that. I think making thumbnails is just as fun as posting videos haha! I really hope to post more often soon, but I work in education and my day job takes most of my time to be honest! Love the kids!!! Thanks for watching, commenting and supporting!

Clearly you know nothing about credit scoring. Nothing.

My credit score is 760 and I have a no debt and multiple savings account. It only shows lenders how reliable you are when it comes down to paying back what you were given.

Well you try getting an apartment, car or house with 0 credit. I had all the money in the world but was turned down because of my lack of credit. Credit is there to show the world how well you manage your money.

I'd say there must be some reason why your score only increased 2 points. I would look at the credit factors that are affecting your current score. You can do this by looking at your profile on credit karma. Thanks for watching and commenting!

No that is good thing