My ONE WEEK PLAN - How to get a Perfect Credit Score for $0 | 800 + Credit for FREE

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[ShaheedahHill]

🛑Please Note: If you request a credit increase, please ask prior to the request if it will be a hard or soft credit pull. If it is a hard pull it may temporarily decrease your score. But if your goal is to improve your utilization to the desired percentage then overall if will increase over time.

[phouseu]

I have an 842 FICO myself. I hit 800 4 yrs ago. It took me 6 yrs of consistency to get it. There are no quick fixes good people. It takes time, discipline, and consistency. It won’t happen overnight, a few weeks, or even in a few months, but it will eventually happen.

[Homentertainement]

UNGRATEFUL!!! I don’t know how many people realizes Mrs. Hill is giving you HIGH QUALITY FREE information that people charge up to thousands of dollars $$$ for! Some are scams, some do illegal things to “repair” your credit because they make unrealistic promises. Thank you Mrs. Hill for this PRICELESS LIFE CHANGING information!

[ubaok]

When you get in the 800s, car dealerships will roll out the red carpet for you.

[victordramsey]

Hi Shaheedah. I found out something VERY interesting from my credit union today that (If your not currently aware...) you may want to share with your viewers. If on Wednesday in the 7 day plan to better your credit; you ask for an extension of your credit limit, you may qualify but that is at the CURRENT APR rate. My rep just shared this with me. She said, "the banks won't tell you this but it's almost like applying for brand new credit, so if the APR is high (like it is now as of Sept. 25, 2023) it's actually better NOT to get an increase in one's credit limit and better to continue paying down what's owed to increase your score. My current rate is 12.9% but if they granted me an increase in credit limit; my remaining balance's APR would now be adjusted to 23%. Almost DOUBLE! Just FYI...LOVE YOUR SHOW!

[Buenisimo]

It makes a huge difference when you speak in a measured way, clearly. So many other Youtubers speak too fast, ambiguously and don't explain what they are referring to. You did an excellent job for the the rest of us to understand the topic.

[danielmcmullan]

I am a mortgage loan originator and I approve this message!

[porschetech]

What I don’t understand is if you don’t use credit and everything is paid off, then your FICO score goes down. Then when you re-apply for credit you get high rates and then you get negatively impacted everything your credit is pulled. I honestly think the credit game is a joke.

[cheryl-friendc]

I coming up! 1/22 Chapter 7 discharged - 2/22 Auto loan (14% int.) - 3/22 secured eRewards card ($600) - paid everything on time - 10/22 secured card => cash rewards ($2K) - score almost back up to 700! I’m on my way and not looking back!

[hateisasignofenvy]

This is basically the video every American school should have played for the students.

[paratroopergirl]

Thanks! Useful information as always.

[karenlawrence]

Ms. Hill, I am 62 yrs old & struggled for 20 yrs alone without my kids, kicked out of my home & now I am healed to getting my life in order for a career & a 1st credit card of my own! Whew! You are such a Blessing to me and you have answered several of my questions in just this one video!!
Bless you girl!! I am liking & subscribing to your channel.
Thank YOU so very very much! 😂

[thefpvlife]

Once u get to 780 your golden. No difference between 780 n 850 by banks.

[hoodgrimreaper]

Mrs Hill! You have been a God send on my housing journey!!!! I wanna say Thank you from the bottom of of my heart!

[renorum]

This is such an excellent video: wonderful concrete advice, and so clearly presented in a step-by-step way that makes it really easy to follow. Thank you for so generously offering to help put on the right road those or us who have strayed.

[Candy-ykpg]

My CS have been a 863 for the past two years. I know how to stay steady. I am proud of myself!

[garfieldcampbell]

Well done… excellent information… biggest mistake I ever made was paying off credit cards in my 30s and closing them out. My average length of credit would have been stellar.

[billjames]

My credit is 880 Equifax 875 TransUnion and 885 EX. Total credit utilization 2% total amount and credit cards $245, 000

[Techier]

I don't know..(really I do) why this isn't a MANDATORY requirement prior to graduating high-school! Thank you...will be sharing this GOOD info!😊

[wintercook]

I'm 63 years old. I wish I could have learned this when I was 20. I have great credit, but this will kick it up a notch. And so simple!
I am sending this to a lot of people.
You are a teacher. Thank you for this.