5 Ways To INSTANTLY BOOST Your Credit Score ASAP

-Here is EXACTLY what you can do to increase your credit score nearly instantly, and how you can work to improve your credit score over time - Enjoy! Add me on Instagram: GPStephan

The YouTube Creator Academy:

My ENTIRE Camera and Recording Equipment:

WHAT USUALLY LOWERS YOUR SCORE:

-One, you don’t have ENOUGH credit.
If you’re new to this, or if you’ve barely had any time to open up a credit card and make on-time payments, then most likely - your score isn’t high because there’s not enough history to your account.

-Second, maybe you have a late payment
This is something that will stay on your credit report for 7 years.

-Third, check to see if you have any late accounts.
This is what happens when you're more than 180 days on a payment, so your lender charges the amount to a third party company.

-Fourth, check to see if you have any high balances or maxed out credit lines….
This is when you borrow or charge the maximum you’re allowed, or very close to it…when this happens, lenders see you as a bigger liability.

-Fifth, check to see if there are any foreclosures on your credit report.
Sometimes, marks like this are accidentally left on longer than they should - OR, people might have misinformation on there - all of which would impact your score.

SOLUTIONS:

ONE: If you DON’T have enough credit, and you want to increase your score IMMEDIATELY…the fastest tip is to become what’s called “an authorized user.”

TWO: Pay off your balances so that your utilization is below 10%
I’d say - for MOST people - this would make the biggest difference in their score in the shortest amount of time possible. OR - OPENING UP ANOTHER CREDIT CARD or increasing your credit limit will solve that problem.

THREE: TRY EXPERIAN BOOST.
Experian Boost is a totally free service that links to your accounts, and then tracks on-time phone and utility payments by adding them as a positive trade-in to your Experian credit file. Doing this will give you: more positive credit history and more on-time payments to help boost up your score.

FOUR: LATE PAYMENTS on your account!
It’s always worth it to TRY to negotiate the terms of the debt and see if they can adjust your account status back to current. This means you can reach out to the lender and, if you’re having a difficult time making payments, see if you can work out a payment plan. Or, work some type of installment loan in exchange for bringing the account current and making a payment.

FIFTH: DON’T CLOSE OUT ANY ACCOUNTS.
Because your credit score is calculated by the AVERAGE AGE of your credit history - that STARTS FROM from the age of your oldest account. BUT, IF YOU CLOSE that oldest account because “you don’t use that card anymore” - what you’re really doing is ERASING your oldest trade line, and when that happens - eventually, the average length of your credit history will drop - and when that happens, it’ll look as though you have a much newer account then you actually do, and that will lower your score.

DON’T CLOSE OUT ANY CREDIT CARDS, EVEN IF YOU DON’T USE THEM.

By doing this, and raising your score above 750 or so, you’ll get the lowest interest rates imaginable, you’ll be able to take advantage of credit card sign up offers, you’ll get a whole bunch of free stuff, and this just opens up SO many opportunities that SAVE YOU MONEY that just wouldn’t be possible without a good score.

*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

[rojhat_k]

When referencing corporate America, he said “They don’t really care about you as they make it seem” realest thing he said...I’ve seen experienced it first hand in the DMV. Black ppl aren’t really respected in corporate America. Glad that he was able to get out of there and become his own boss *Prime consultant 001*

[ademyaman]

My heart goes to the entire community for *Prime consultant 001* building up something even my grandpa can understand. This is so smart by them to launch it to shatter the doubts and fears of the common folk which is not even correct to begin with. Everyone knows the state of inflation and recession now and the way out is already in progress. Now it's just about catching the big fish

[selahattinselahattin]

I get such GREAT service every time I go to the *Prime consultant 001* and the IRS is SO wonderful to work with. I DEFINITELY want the Government in charge of my Social Credit Score! This couldn't possibly be misused in ANY way! All the data breaches that the VA has had makes me confident that my data would be TOTALLY safe!

[numanakdeniz]

We have been on a recession since the beginning of 2022, but big media and governments all over the world didn’t want to admit it. We need to be wise and use our brains. Knowledge is power and I’d like all the family to be powerful! Just purchased some *Prime consultant 001* Thanks for keeping us informed during this times of doubt?

[fszfugw]

I really appreciated this video, as a medium-term *Prime consultant 001* holder. I know you commented on not many people paying attention to this, but it was very relevant for holders such as myself. After watching your thoughts, I will buy more. I also remember your earlier assessment. This will crush the market.

[corajayjay]

This has easily become one of my favorite & the realest cyber spy hub major level of mature grown conversations amongst legends + intellectual mindsets. Different level of transparency. It's authentic. Dope to see! Salute to Astro Cyber Net

[hamdiaslan]

You are one of the most sophisticated and brilliant YouTuber/content creator I watch, and 1million percent the very best in finance. I appreciate all of your content thank you for *Prime consultant 001* much love from Chicago

[haydo_pubg]

Myself during this Bear Market only trying to focus on BTC, *Prime consultant 001*, ETH, SOL, MATIC. not losing sight of BNB and GALA. 🇨🇦

[Syclix.]

What a statement, damn. So it's said that *Prime consultant 001* is just about to launch and I think that will really change a lot of what was happening in the previous years, 2023 will shine yay

[emeryivan]

How long do you have to be on as an authorized user? When they take you off will your score go down?

[enes]

I wanna let you know that *Prime consultant 001* made it this year. What better way to start a global change? Don't get me wrong I know they are not like altruists or something but they keep doing the right thing to improve the situation, power the econmy and so much more. We need players like them and we can always jump in the train at good spots such as this one

[utku.]

Great video! I have a question, I have two fraud inquiries on my reports that I would like to get removed. I've seen your video regarding this, but Im still a bit confused. So I know my first step would be making a call with the credit bureau (Experian) but should I also make call what time? And would I be never stop sending a good compny *Prime consultant 001* to my friends and people I know regarding any credit situations

[slushthevillian]

I followed everything you said about credit cards. I got my first credit card 6 months ago. And today is the day that I can finally see my credit score. It's 755.

[cryptoflippodcast]

My credit score's pretty good

The secret is paying your bills on time 😮😮

[weicaihon]

This is amazing Graham, I have learnt a few things from this video. I just have a problem getting my score up past a certain level, everything I've tried has been futile.

[sandraschaefer]

NICE AND TRUE.. IM NOW PART OF THE 800 CREDIT SCORE CLUB ALL THANKS TO

[webdemonprowebsite]

I have no second thoughts knowing my FICO assessment went high to 800. My own credit was cleared I feel better. Secondly my lost btc got recovered 💯

[johnconklin]

Great advice! I use 2 or 3 cards for everything and pay them off every month. I pay my mortgage and bills on time every month. (my house is almost paid off) My credit score is 822.. Almost perfect.

[deezy]

Graham you have changed my life u started following you in 2019 ever since my score has shot up from 540 to 725

[vehli_janta]

I am part of the people that just got reslts off the service we purchasd from him and believe me when I tell you it came out way better than I was expecting , I had a feeling my girlfriend well EX now was seeing someone else so I decided to consult Aiden, he was able to get me accss into her iPhone and I was able to see everything she did without her knowing about it, It was really amazing, I’m really glad I’m out of this bad relationshp all thanks to Aiden