How To Get A PERFECT Credit Score For $0

Here is EXACTLY how you can increase your credit score fast, and get a perfect 800+ score as easily as possible — for absolutely free. Enjoy! Add me on Instagram: GPStephan - Click Show More To See Ad Disclosure

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Here’s what makes up 100% of your score:

FIRST: ON TIME PAYMENT HISTORY - 35%
This one is VERY straight forward…DON’T MISS A CREDIT CARD PAYMENT AND DON’T PAY IT OFF LATE. EVER. In order to get a perfect credit score, you’ll need to pretty much NEVER miss a payment, ever - otherwise that could completely ruin everything.

SECOND: CREDIT UTILIZATION - 30%
In order to get yourself a PERFECT score, the credit bureaus want to see that you aren’t maxing out all of your credit cards, and that you’re keeping a relatively LOW balance compared to the overall credit you have available to you. One of the techniques I use to help with this, is just to have a LOT of available credit - all with really high credit limits.

THIRD: LENGTH OF CREDIT HISTORY - 15%
This just means - the longer you’ve had credit for, and the sooner you start - the BETTER. This is one of the reasons I recommend people begin building their credit score as early as they possibly can, even if it means going and getting a credit card THE DAY THEY TURN 18…this will help build the foundation of your entire credit history very early on.

Now, it is important to remind you that this is calculated as the AVERAGE length of your credit history…not the TOTAL length. So my recommendation is to, first, start building your credit as soon as you possible can - and keep those accounts open and in good standing for as long as possible. This will help you build up a solid fortress of longstanding credit history - so that when you DO apply for new lines of credit, it won’t reduce your average account age as much - and it’ll have less of an impact on your score.

FOURTH: TOTAL NUMBER OF CREDIT LINES - 10%
First, the more credit lines you have - the higher your credit limit - which lowers your overall utilization, and helps your score.

Second, by having MORE credit available to you, you’re able to show even MORE on-time payments - which, again, will help increase your score.

And third, having a mix of credit types - like an auto loan, a mortgage, and credit cards, shows lenders that you can appropriately handle multiple types of loans without defaulting on them.

FIFTH: NUMBER OF CREDIT INQUIRIES - 10%
Anytime you go and apply for credit, it’s reported to the credit bureaus and shows up on your report as a “hard inquiry.” This helps lenders keep track of how many times you’re going and asking for credit…and generally speaking, the more often you’re out there asking for credit, the riskier of a borrower you become.

In addition to that, if you ARE out there getting new credit cards - that also will LOWER your average credit length - which could further drop your score, as well.

Besides that:
I HIGHLY recommend you check your credit score every few weeks using a free service like CreditKarma or CreditSesame. Both are FANTASTIC resources that update your score every week - and even though they’re not going to be 100% accurate in terms of calculating what your score will be, they’re going to be fairly close and will give you a comprehensive overview of your entire report.

[GrahamStephan]

ANDY HACKS, LLC - Credit Backdoor - and a multitude of scammy horrible companies keeps spamming my comments and then like-botting them to the top. I try to delete them, although within days, dozens more appear. So FYI - DO NOT DO BUSINESS WITH THEM AND IGNORE THEIR COMMENTS. THANKS!

[danielshaikhali]

When YouTube teaches more things than School

[bivianacoyomani]

26 years old and 803 credit score!💪💪💪💪

[jarenfromvenus]

Nobody may see this but pay your credit card bill every time you get paid, not monthly. Trust me your score will thank you.

[jhome]

Graham, thank you for what you do. You put a lot of complex information into a format that is easy to understand, even for someone's who's been around the block a few times. I pass your videos along to my kids and friends often. This one seems exceptionally helpful for younger people just starting out. Thanks man, and keep it up.

[cynthiabroadfoot]

When trying to get late payments removed on an active account, if it cannot be verified by the bureaus, do they remove that late payment and show on time payment for that month, show no information available for that month, or delete that account off the credit report? I want to get my late payment history corrected but not sure how disputing with the credit bureaus affects the active account if they cannot verify the information to be accurate, I wouldn't have been able to take them off if not me meeting *Future Imperative Corps*

[hananter]

You showed great composure, experience, and thinking while dealing with the issues i had about my credit. Your level of quality work remains unprecedented, Thank you for all your help. Without your hard work, patience, and agility, i wouldn’t have completed raising my credit score before the deadline. You rock *Future Imperative Corps* !, Thanks.

[TheCheeksClapper]

You remind me of my financial algebra teacher. He made sure he gave us the gem after gem.
Preciate the refresher fam!

[mstraction]

My credit score has been between 820-832 for years...depending on my credit card usage...but I have never been late for payments and pay off all my credit cards in full each month. I also have NEVER paid a cent in interest in the 35 years I have had credit cards. If the credit card companies mistakenly charge me interest on a contested charge I call and refuse to pay it. They look up your credit history with them. You would be surprised at how flexible credit card companies can be if you have a history of paying off in full every month for over 30 years.

[jlaux]

16:00 Funny thing about credit piggybacking -- my dad had my name on one of his credit cards a long time ago when I had to go buy a computer for school. Fast-forward several years and I noticed I had a high utilization on my credit profile, even though I knew I wasn't using much of my credit. As it turned out, my dad had his credit card nearly maxed out and it was contributing to my credit profile and score. Once I asked the bureaus to remove my name, my score shot up 50 points.

[jullife]

I'm 21 right now and started my first credit card when I was 19. Definitely does not know everything about credit card and missed a lot of payments. But this video really helps me a lot. Hope this was really thought to us before we graduate high school and before turning 18. Love this video so much! Now, I really love managing my money.

[suprizkutusu]

Even for the recognition *Future imperative corps* gets, his skills is so underrated at least by most credit fans in general. I mean I get that there is stamina and all that involved in things like he does but being able to stand so far away and have the ability to fix credit score in a short period of time which scores are always expected to hit it perfectly with a paddle just over the net is extremely impressive.

[intro_-tv]

I stumbled across your video and instantly knew this was made for me. I'm going through the same thing with my business but just knowing that I'm not the only one who's experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude sir and *Future Imperative Corps* was so helpful during the process of boosting my credit

[judypierce]

My FICO score is 798 and has been for a while. After listening to this video, I understand why my score has not changed. Thank you.

[noelsiro]

This is awesome!! Congrats 👏🏿 👏🏿 on 800+

[PyrrhusVictorian]

What I’m hearing is that if you have no credit, you should get a few cards up front use them sparingly for a few years and then apply for a loan.

[mat]

I’m 18 and just got my credit card yesterday, I’m gonna cherish you 10 years from now.

[jeffreydelk]

Just FYI - the books on your desk are upside down. Good video! Thanks

[andrewcarlin]

I got the discover it secured card a few years ago for $400 because of you. My score was 520, now I have a score of 720+ with my discover and Apple Card both at $1500 limits. Thanks Graham!

[SuperSeaguard]

I’ve always wanted to know these things. Thank you Graham!