I seriously can not thank you enough for your videos! I recently got married, and my husband and I come from very different backgrounds. He's very financially literate. I barely starting to learn, and your videos have helped me understand SOO much! Following your videos we're saving more than just half of my husbands income!💛💛💛💛💛
@missbehelpful7 жыл бұрын
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!
@arelysg.32497 жыл бұрын
Just got approved for my very first credit card and I am very grateful to have found you and your great advice! I know I will start building with my best foot forward :)
@missbehelpful7 жыл бұрын
Awesome! Congratulations!!! Thanks for watching and commenting!
@stevenmiller77477 жыл бұрын
You are 100% correct, I've been in the lending industry for over 20 years and all a score above 780 does for you is give you something to brag about. Someone with a score of 840 is not getting a better rate than someone with a 780. BTW I've NEVER seen anybody with a score of 850. In over 20 years best I've seen is 2 people with 848s. I don't believe anybody really has an 850 even if they say they do.
@missbehelpful7 жыл бұрын
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!
@mrsh19185 жыл бұрын
You have no idea how helpful your comment is to me. 780 seems a lot more attainable than 850. Thanks!
@mmills264 Жыл бұрын
I have an 850 FICO score so it is achievable. Not bragging, just a fact.
@KrimSonBlood5 жыл бұрын
Short, sweet and straight to the point, thanks MissBeHelpful!
@Francis.Rivers3 жыл бұрын
I feel like after you hit 750 after that its just icing on the cake
@emailnolongervalid50357 жыл бұрын
Thank you for the helpful credit info! The utilization video was very helpful also. Have a wonderful day!
@missbehelpful7 жыл бұрын
You're welcome! Thanks for watching and commenting!
@mjvictoria.sidetracks6 жыл бұрын
Great videos. I also like your work on Brooklyn 99
@reffa28584 жыл бұрын
Well you have no choice but to settle because that last little bit literally takes time. But I'm just glad things like credit history don't make up a high percentage of your overall score.
@sea_hous4 жыл бұрын
I'm almost at 800 from 689 3 years ago. Thank you so much.
@missbehelpful4 жыл бұрын
NICE!!
@amvien7 жыл бұрын
This was helpful!!!
@missbehelpful7 жыл бұрын
Glad to hear it! Thanks for watching!
@shopon57 жыл бұрын
Congratulations!! Bragging rights well and truly earnt!
@missbehelpful7 жыл бұрын
Haha! Thank you!
@israelgonzalez88947 жыл бұрын
honestly you look great without the makeup either way lo tienes tumbao ! thanks for all the advise.😘
@jimmyfaustjr73737 жыл бұрын
my credit is shot and i could care less lol
@sheilakelly846 жыл бұрын
jimmy Faust Jr 😂😂😭😭😭
@myrontaylor11506 жыл бұрын
Very good insight into that matter, and I learned something from it thank you
@missbehelpful6 жыл бұрын
Glad you learned something new! Thanks for the comment!
@ramiro86285 жыл бұрын
Having great credit, in my experience means I am in constant debt. I plan on paying off debt and staying debt free very soon. We’ll see how my credit score shakes up when I stop using credit cards.
@newbeginnings94573 жыл бұрын
Had 846 last year! Then I got 2 xtra cards and a home! 😆
@angelicafarrar7 жыл бұрын
Your videos are so helpful! Thank you!
@missbehelpful7 жыл бұрын
You're welcome!
@roseanthony1556 жыл бұрын
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.
@stevenpaul55404 жыл бұрын
I love your videos. I’m thinking about subscribing. I’m almost there. Keep up the good work.
@richardroberson93247 жыл бұрын
great content as usual
@missbehelpful7 жыл бұрын
Thanks!
@InfamousKiddXD6 жыл бұрын
Thank you for your videos I’m new to credit and I really appreciate your detailed explanations how about credit repair ? Can you do. A video on that ?
@tantradossantos45012 жыл бұрын
Baller! #Toot #Toot 📣✨⭐
@nataliegarcia21997 жыл бұрын
Yay another cool vid
@missbehelpful7 жыл бұрын
Thanks for watching!
@royzeus99694 жыл бұрын
Well said.
@missbehelpful4 жыл бұрын
Thanks!
@shirleychapman71957 жыл бұрын
I really really enjoy your videos I'm studying financial services in the uk and listening to your practical advice is so helpful and relatable xxx #womenpower
@missbehelpful7 жыл бұрын
Yas! Thanks for watching and commenting!
@aekay_7 жыл бұрын
Hi, I enjoy watching your videos they are very helpful and informative. I just recently had a huge hit to my credit score of 730 after I had to voluntarily return a car back and now my score has dropped significantly to a 609 and I was wondering if you could give me some helpful tips on how to build my credit back up again. thanks
@avburns7 жыл бұрын
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.
@aekay_7 жыл бұрын
avburns Thanks! Your advise was very helpful.
@gladyscruz84707 жыл бұрын
Thank you so much
@missbehelpful7 жыл бұрын
You're welcome! Thanks for watching and commenting!
@Melybellyxo7 жыл бұрын
What are some of the "perks" of having a credit score of 750 and up?
@missbehelpful7 жыл бұрын
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!
@breannahightower717 жыл бұрын
good job
@missbehelpful7 жыл бұрын
Thank you!
@chizzetel7 жыл бұрын
I love your videos! Thank you so much. Could you talk about car loans and credit inquires and how they affect your credit score? I want to get a new car and I am trying to figure out the best way to go about it. Should I get my own loan before I go into a dealer and if so how many can I apply to before my credit score takes a bad hit from all the inquires. Any advice would be helpful. Thanks!
@Djuane7 жыл бұрын
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.
@chizzetel7 жыл бұрын
Awesome. Thank you so much this is useful information.
@mrmoldremoval6 жыл бұрын
wow 734 is great.. Your the Best
@missbehelpful6 жыл бұрын
Thanks for the comment!
@antoniofermez75027 жыл бұрын
I learn from good ppl thank you Go it
@thedog68494 жыл бұрын
Divide by 10 then spend...
@missbehelpful4 жыл бұрын
That's right!!
@DBO1027 жыл бұрын
*Wipes Forehead* thanks because I felt so much stress to get higher nd higher
@missbehelpful7 жыл бұрын
Yup! That was me too! Just hit a bit more than 750 - and you'll be alright! Thanks for watching and commenting!
@Chadboy20127 жыл бұрын
I have a correction that has been Settled/Arrangements made with Creditor but still showing on my credit report. How can I have it remove it.
@missbehelpful7 жыл бұрын
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!
@Chadboy20127 жыл бұрын
How can I remove a negative report from my equifax credit report. Where on the trans union It's not showing.
@missbehelpful7 жыл бұрын
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!
@Djuane7 жыл бұрын
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.
@mcrayfourd7 жыл бұрын
750 plus will get you most things
@karmichk7737 жыл бұрын
Not sure where you get your credit score but I've been trying to increase mine and was on Credit Karma where my score was around 770. When I went to buy a car they told me, at a couple different places, that my score was 677! Any ideas why that is?
@missbehelpful7 жыл бұрын
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.
@karmichk7737 жыл бұрын
Thank you! Love your videos! Keep up the good work! :o) ♡
@BahnLife7 жыл бұрын
Honestly, if you were to post consistently, you would be a way bigger KZfaqr than you are now. Look into doing daily vlogs. Don't have to show your personal life, just edit it in a way that only your theme is vlogged. Awesome thumbnails by the way.
@missbehelpful7 жыл бұрын
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!
@jimmydeneus96813 жыл бұрын
House credits earn
@theguy123226 жыл бұрын
Your credit score isn’t a success level. It means your in debt.
@jerrylundegaard25925 жыл бұрын
Clearly you know nothing about credit scoring. Nothing.
@mavik89615 жыл бұрын
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.
@reffa28584 жыл бұрын
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.
@quesoaop15596 жыл бұрын
My score is 735 as of today
@sea_hous7 жыл бұрын
Do you have any advice for someone who has one credit card, paid down (recently my utilization was too high) got that down to zero and now I know the 9% trick). I don't have any negative dings, and I'm still in the high fair 689. My CS went up 2 points after I paid it down to zero. Any ideas how to get it up? Just keep doing what I'm doing? Is this a bad time to get new credit cards? (With good CC hygiene).
@missbehelpful7 жыл бұрын
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!
@mrhyde24847 жыл бұрын
Does it hurt your score if you pay off the balance each month ?
@redshimmy53347 жыл бұрын
No that is good thing
@killersentra6 жыл бұрын
I mean if your yearly income is high 5 figures or even 6 figures and above who cares about a credit score. Shit you play your cars right you should be able to retire in 10 years. Only dogs play the rat race till 65.
@johntan34052 жыл бұрын
💯💯💯👍🏻
@tonya83153 жыл бұрын
yur beautiful
@donperrignon6 жыл бұрын
You don't need a credit score. You're all missing the point. A good credit score means you're good at paying of debt... Which means you've been giving money to everyone but yourself. Think about it. If you're truly manage your finances well, you don't need credit.