#1 Credit Killer No One Talks About…

Most people think credit utilization is the only factor in their credit score's "Amounts Owed" section—but that’s only part of the story. In this video, I break down the 5 hidden factors that make up 30% of your FICO score, including installment loan utilization, number of accounts with balances, and more. If your score is stuck and you don’t know why, this video will show you what lenders are really looking at—and how to fix it.

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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!

[justinmirche]

Absolutely! Most people overlook the number of accounts with balances and installment utilization. These small details add up fast. Thanks for breaking it down so clearly!

[transitengineer]

Thank you, for sharing this useful credit score information. (smile ... smile).

[HeavyDutyCharlie]

Great video. My wife & I just watched this after spending a day with looking at some open houses. Your videos will help us be prepared. Question, do you happen to have a video of applying for a business credit card through Navy Federal? Please feel free to share a link if there’s a videos 😎😬Cheers and thanks again.

[muhammadsolomon]

Thanks for this knowledge!! Now i know to pay down my Secured loan faster...

[galato]

thank you for your videos. I just have 6 credit cards and use only 2 and I pay them before the statement date, so every month report $0 balance. I don't have loans at all (cars, mortgage, student loans, personal loans) What I can do to have a strong profile? Planning to buy a home next year. thanks.

[Truthmatters-]

Great video! Loved the utilization vs Usage breakdown. While it's a simple concept, its key, and helped me get a solid grasp.

Question: If I apply for an auto loan with a 740+ Transunion score and get approved, would it be wise to apply for their More Rewards Amex card during the same month? It's early April right now.