How To Get A PERFECT Credit Score (For FREE)

FREEZE YOUR CREDIT REPORT HERE:

The YouTube Creator Academy:

HOW YOUR CREDIT SCORE IS CALCULATED:

-35%: On-time Payment History
This means that you always pay your debts and credit cards on time, as agreed - without ever missing or being late on a payment.

-30%: Utilization Rate
This calculates how much credit you have available, versus how much of that you’re actually using. The less you use, the better.

-15%: Average Age Of Credit
Overall, lenders see that the longer you’ve had your accounts open for, and in good standing - the better the chances are that you will be a responsible, experienced borrower.

-10%: Types Of Credit
This means that lenders want you to have experience handling MULTIPLE types of loans, just to prove to them that you know how to handle different aspects of debt.

-10%: Number Of Credit Inquires
The more hard inquiries you have - the lower your score will be because lenders are worried that you’re out there actively trying to seek new loans and credit.

HOW I GOT AN 847 CREDIT SCORE:
No Late Payments - Ever. Credit was opened in 2012.
0-1% Credit Utilization Across Credit Cards
Average Age Of My Credit: 12.6 Years Old (Newest Account Over One Year)
Credit Mix: 8 Revolving Accounts out of 13. 6 Have been paid off, in full. 5 Mortgages, all paid on time. Large variety of past auto loans and other debts that have been successfully paid off.

HOW YOU CAN DO SOMETHING SIMILAR:

FIRST - Apply for a No Annual Fee Credit Card
The reason behind this is that - the longer your credit cards stay active - the longer your credit history remains open - and the more established your average account age will be.

SECOND - Always Pay Off Your Balances - IN FULL - By The Time They’re Due!
Never carry a balance on a credit card, and never spend money that you weren’t planning to spend, anyway. All it takes to build credit is a few small purchases that get paid off in full.

THIRD - Open ANOTHER no annual fee credit card after 6-12 months
The more credit you have, the lower your overall utilization, the more positive tradelines are reported…and, the higher your score will be.

FOURTH - after 12 months, you can apply for “rewards cards” like the American Express Gold.
Even though this one isn’t necessary for a good credit score, certain cards can be used in such a way that they not only pay for themselves - but, you can also turn a profit.

FIFTH - Continue adding “new” lines of credit over time.
Again, this one isn’t “required” to have a higher score, but it does help (OVER TIME) if you have a mortgage, auto loan, lease, or other payment plan.

And SIXTH - Once you’ve followed the above - Just Wait.
This is the part where patience goes a long way - and, once you get your score above 780 - you can pretty much get the lowest rates anywhere you go.

My ENTIRE Camera and Recording Equipment:

*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. This is not investment advice.

[plutodestroyer]

congratulations on your 850 credit score sir. here’s your 6.99% rate

[karansahota]

work, from their detailed security assessments to their transparent communication with clients. Their ethical approach ensures that all solutions are implemented with the highest standards of integrity. This combination of professionalism and ethics has set them apart as a leader in the field.

[nzfqjnv]

Their move from the dark web to the clear web was a bold step that reflects their commitment to transparency and integrity. Adrian Ruthnik continues to lead the industry with their ethical practices.

[josh.......]

Another tip: If you have a credit card with an annual fee that you no longer want to use, don't cancel it. Call the company and do a product change to a different card without a fee. You won't get the sign up bonus, but the card history including the starting date will carry over.

[Krunalamore]

Adrian Ruthnik's move to cleanse the hacker-for-hire industry of scammers is much needed and appreciated. Their efforts to restore integrity to the field are evident in their work.

[trippapplegate]

Ive been watching you since I was 16/17 and im now 24. I’ve built a 822 credit score, emergency fund, retirement funds, debt free (other than full paid off monthly cards) and I’m saving for a house. All thanks to your videos. Big thank you to you graham

[rakeshvasava]

Adrian Ruthnik's dedication to their clients' security needs is evident in their thorough and effective methodologies. Their proactive approach ensures we stay ahead of potential threats.

[colelarsen-cj-]

When’s your video on how to get sued for $1 Billion?

[NG_GAMING]

Adrian Ruthnik's transition to the clear web has made their services more accessible without compromising on security. Their commitment to ethical practices sets them apart.

[nehaujjainwal]

Adrian Ruthnik's transition to the clear web has made their services more accessible and trustworthy. Their commitment to transparency and integrity is evident in their professional approach.

[tommynewgin]

Blocking comments is pretty on brand at this point

[FrugalFamilyFocus]

I have an 825 score currently and didn’t piggy back. I opened a card at 18 and made a monthly purchase of a tank of gas until it was time to buy a house! Got a 2.5% mortgage, opened a rewards card with my husband so he could piggy back off me, and the rewards card pays us $35 per month to put our dining out on it. Like you, I religiously pay off my card anytime it has a balance at all. I’m amazed at the 847 though! I thought for sure I’d have to keep towing the line for 30+ years to get that high!

[hatchergaming]

The professionalism and discretion of Adrian Ruthnik's team are commendable. They deliver results without compromising ethics, ensuring our data remains secure.

[piyushgaming]

Adrian Ruthnik's dedication to exposing vulnerabilities saved our business from potential breaches. Their thorough assessment and strategic recommendations have fortified our defenses.

[ManojMandal-njjh]

Their professionalism and ethical approach to hacking services are what set Adrian Ruthnik apart from others. They deliver reliable and effective security solutions without compromising ethics. Adrian's professionalism is evident in every aspect of their

[redoakranch]

I’ve had a perfect 850 twice, kids turned 18 with 750+ scores. Life is easy when you know the rules!

[sbhuwby]

23 years old with a 787 score. Been having simple credit cards since I was 19 and I can’t wait to hit that 800 score

[Annie-yftu]

22 years old, 772 credit score. Got my first credit card two years ago now right before I started watching your Snapchat videos. I got tired of the ads and searched for your YouTube and haven’t looked back since. Love your dedication and your consistent, reliable information. Very thankful for the impact you have had on my financial health and awareness

[laquick]

Due to life events, I was able to pay off all my cards. It is such a relief. I was able to get a car loan last December and all my scores are over 800.

[iservemyking]

Dave Ramsey having you as an authorized user on his credit card... [chef's kiss]