How to Get a PERFECT Credit Score for FREE (2024 Guide)

Do you dream of having a perfect credit score? It's time to make that dream come true! Today, I'm going to share with you not only my personal journey of maintaining an 800+ credit score over the years but also the crucial steps you need to take to reach that coveted 850 credit score. With this video, I'll guide you on how to build your credit to the highest levels. Enjoy!

Credit Builders:

Business Credit Lines:

Credit Monitoring

Investment Apps:

Loans:

DISCLAIMER:
This video is for entertainment purposes only. I am not a legal or financial expert or have any authority to give legal or financial advice. While all the information in this video is believed to be accurate at the time of its recording, realize this channel and its author make no express warranty as to the completeness or accuracy, nor can it accept responsibility for errors appearing in this video. This video and description contain affiliate links, which means that if you click on one of the product links, I’ll receive a small commission. This helps support the channel and allows us to continue to make videos like this. Thank you for your support!

00:00 Introduction
01:18 What Is A Credit Score
03:25 Payment History
04:47 Amounts Owed
06:04 How To Review Credit Card Statement
07:12 Pro Tips to Lower Credit Utilization
08:08 Loan Utilization
09:42 Length Of Credit History
11:38 Credit Mix
13:15 New Credit
14:37 How to Start Building to 850
17:03 Rebuilding Credit

[ONeal]

It's crazy how many ads are on YouTube now. 1 ad per minute

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[babaprogame]

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[aesthetic_lyrics]

Credit scores are just a form of federal control, so if you want to continue living a good life? it’s important to have a high score. My house and vehicles are paid off, I have one Visa card for all purchases, which gives me air miles, and I pay it off monthly, but my score bounces between 800 and 820 without changing any of my patterns, so it’s manipulated for some reason. *Prime consultant 001* made it stay at that range and getting it up

[OGUZHAN_EDITS]

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[yutubdunyas]

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[zeuwyx]

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

[eferenfk]

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[knight_bj]

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.

[RedHotBillyPeppers]

Also important to be mindful of the credit card utilization thresholds for fico scoring. 8.9%, 28.9%, 48.9%, etc etc. Crossing those utilization thresholds can give you a pretty good score boost if you are getting out of credit card debt.

[ahmetboz]

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[floydbanks]

The BIG HIT to the credit score ISN'T FROM the new inquiry. The BIG HIT will come a month after the new card gets activated and it reports to the bureaus for the first time. That's because not only is the inquiry still impacting the credit score, but now the "Age of Credit" metric in affected & the ramifications of that may last longer than the inquiry. On my last card add, the inquiry was about 3 points, but when that card reported, it was 15 more points.

[RussShotThis]

Hey Naam! So I have a 675 credit score and a secured card with capital one where should I go from here? Should I try to get an unsecured card like a gas card? Or another secured card?

[Collageartist]

Pay your bills on time will give you a great credit score. 😅

[josephfriedrich]

7:22 but wouldn't this ding your credit history/hard inquiry making the car loan example fromt he beginning null? Or would the cc inquiry be minimal that it wouldn't effect the auto loan?

[barbarafallin]

My credit score was 842, I charged 660.00 on it, paid it in full and my score, dropped down to 829, what's up with that, and I paid 1200.00 in full the month before, for my phone

[romikm]

Hey Naam, The "age of the oldest account" can be improved by asking older relatives to add you as an authorized user, but is it really that much of an impact given that credit bureaus and banks can also detect it? Could you perhaps provide more details on this?

[sojibrajiiii]

Hi
I have seen your channel. Your videos are very informative but if you use good quality thumbnails
then you will get more views so I can help you, do you need a stunning thumbnail?