how to get an 850 perfect credit score good credit debt

[madone1980]

@eatmytool1 I'm black and I have a 735, 740, 735. Your comment is not only racist and ignorant, it's invalid.

[jamrockingston]

you are a fucking idiot

[joedoja]

@Zeta3dwps YOU ARE THE DUMBEST Whiteboy on the face of Planet Earth.

@eatmytool you are just as Ignorant especially when YOUR President is Black.

As far as the video, it's totally true, it's just that it doesn't have any details or reasons why that particular credit mix leverages Fico's algorithim for the consumer.. as it shouldn't, it is a 1 minute video!!  WOW, @the uploader, if you want to surround yourself with real people who know and appreciate wht you are giving away for free hit me up

[eatmytool1]

@joedoja lol...noooo....my president is black?!?!? what a revelation!! I've got nothing against blacks...but the only way is stereotype becomes a stereotype is by it being true in a "more often then not" scenario!!

PS uploader, one way to know if a person is legit or not is if they say "hit me up", they don't know shit, and run the other way...fast! lol

[JRock005]

Retard. You have to already have really good credit to those many credit cards.

[RetSquid]

If you have that many lines of open credit, you won't qualify for any credit cards, the banks will see that your debts (total possible loans) is probably far higher than your income.

[eatmytool1]

This is the perfect example of an oxymoron!! a black guy explaining how to get a perfect credit score?!?! C'mon!!!

[paycloseatten]

@eatmytool1 and you so sound so educated with a name like eatmyfoot lmao racist prick

[eatmytool1]

@paycloseatten speaking of "sounding educated"...allow me to quote one of your recent comments you made that i found on your channel, "@77musica fuck u die slow bitch azz sucka go suck your moms dick hoe" yeah....very classy. thanks for proving my point!

[mike123fgh]

that's a damn LIE, dont listen to this man, im serious!!! if you open a Credit Card account and Never use it, your score will get worser cuz businesses cant tell if pay back or even use it, they wont make money from you (interest).. use only 25% of your credit limit or less always and pay back your debt each month, thats how your score will INCREASE!!!! i kno, and im barely 20yrs old..

[mike123fgh]

@mike123fgh oh and i almost 4got, use all your credit card accounts each month, if you use them each month, businesses will have something good to report to the Credit Bureus, and pay your bills every End of The Month (between day 20th - 26th of each month) because businesses & banks report every 1st of each month..

[eatmytool1]

@mike123fgh Yeah! don't listen to the oxymoron of a black guy talking about good credit, listing to the OTHER oxymoron, some stupid punk kid who thinks "worser" is an actual word, talking about fixing your credit! *FACEPALM*

I couldn't help but click this video...I knew I wouldn't be disappointed!!

[mike123fgh]

@eatmytool1 i agree my friend, a person will now if they are taking good advantage of a Credit Card when they actually take a look at their Credit Score and/or regularly (aka monthly) keep track of how it is changing. Also be very responsible and know what businesses like in a customer..

[mike123fgh]

@mike123fgh oh and i also want yall the readers know that i'm 20yrs old, like i already said, i am dissabled, i have GOOD Credit (703 as of month 11, year 2011) dont have a job but make $8,088.oo a year, and i love USA..lol

[blackdragon1911]

An 850 credit score is superfluous. After a score 750 your score doesn't mean anything to creditors. No idea why people are so obsessed with a single metric.

[goodcredit1000]

we can't give you an 850 but we can clear all the negative items off of your credit and assist you with getting a 740 - 800. Trust we know how an also under 30 days e-mail creditrepairplus1@gmail.com we respond back

[mcdadypete]

I have all that and I do all that and it will give you exellent credi but not an 850. Iv done this for about 10 years and I have an 816. I wish it was 850 but It is still a great score. The key is to pay off all the credit cards every time you use them . I use one all the time and the others every six months. I use them all at the same time to fill my gas tank, $2 on one $2 on another and so no.

[etaylor38]

I wish people would disable bad comments on Youtube..... I'm starting to hate even looking at the racist comments.

[waiting4guffman]

I'm sure this is all very true. But, who wants all that money going OUT every month? That's no way to win financially. i'm 45, worth half a mill, & have never made 6 figures in my life. My score has gone from 829 to 620 now, & falling! AND in that time span, my financial life has NEVER been better AS MY SCORE FALLS !!!! I hope to be at ZERO soon. I tell people to drive a beater & rent if you must UNTIL you can move up LATER. Quit buying CRAP you don't need! That includes NEW CARS!!!!!

[suckmyazzz]

if i had 4 bank accounts home loan all my credit cards balanced at 0.00 4 trading accounts why the hell would i need an 850 credit score this is the most funny video i have ever seen i think im gonna laff for a whole week

[shakaama]

@suckmyazzz what I dont' understand is why people are shocked by how the system is. This gentleman isn't saying anything is fair, reasonable or even logical. He is just saying how the system is.

Everyone knows the banks only lend to people with assets. Again, everyone says, why would you lend to someone that doesn't need money. But, that is how business works.

[EinfoGeek]

Great info vid on getting a high credit score.

[hotshitonly1]

HOW TO GET GOOD CREDIT? HE BASICALLY SAID U HAVE TO HAVE A MILLION DOLLARS FIRST!

[BlackMidnight12am]

I don't bother with credit cards. I pay everything with cash. I know a lot of people that are in debt. Why bother with credit cards when your mind could be at ease with just plain ole cash. I'm just saying. Credit cards ruin lives and that's the truth.

[nitrogenproduction]

@BlackMidnight12am there is a downside. If you wanted to buy a car for $15,000, you may have to give him $15,000 (example) the second you walk onto the lot. What if you don't have it, and you needed to get to work, and don't have the means to get there on time?

[mycesi]

Who is this? This doesn't even make sense.

[MIZIZVOGUE]

A "credit score" means you love to borrow, pay back, borrow, pay back, borrow, pay back...I save and pay with CASH!

[temudry]

All you need is a 740 score to qualify for the lowest rate loans and credit cards and the easiest way to restore your credit score to 740+ can be found at:

Section 609 Credit Dispute dot com

[giantkn10]

I use PayForDelete. com and I see negatives removed each week.  888-723-0690

[loseweightyesterday]

CALL NOW 877-261-1959 Wize Credit Repair is the nation’s leading, full-service credit repair company producing expedited, industry-leading results to all its clients. We use the law to permanently remove every form of negative credit reporting on behalf of our clients for the past 22 years. We have successfully removed every form of negative credit- including bankruptcies, tax liens, judgments, foreclosures, and repossessions. CALL NOW 877-261-1959

[getnanoed]

That's complete BS! Not even the guys at ExpertRealEstateTips have seen an 850.

[bootyknocker2010]

he's so full of shit. you have to keep balances on all those cards.. don't pay them off fast!!!! that hurts more than it helps... keep a balance on them and pay them on time every month!

[CISCOCREDITSERVICES]

LEXINGTON........HAHAHAHHAHAHA­HAHAHAHAH ALL THEY DO IS DISPUTE!!!LETTERS WITH THE BUREUAS!! IF YOU NEED REAL HELP TO GET INTO A HOME CALL ME.

[andrewwillson3]

@devontaii I used Lexington to repair my credit. Talking to my personal paralegal about my situation helped me to wade through the mess. Lexington helped me get my score up by 247 points! If you're looking for Credit Repair, go with Lexington Law.

The best phone number for free credit consultation is 1-877-660-3769

Mon-Fri: 6:00 am to 10:00 pm

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[GotCommonCents]

I have given up on worrying about my credit score and have instead stopped borrowing money altogether. This has allowed me to build wealth and has relieved financial stress.

[proudmommy9]

You would need that 850 credit score before you could get all that he just named.

[rasglory]

WoW! He makes it sound so simple like: you want to be president? just walk into the white house!" Who the hell has 4 credit cards now days?

[devontaii]

@rasglory i have 4 credit card its not hard @ all... one capital one card 5,000 bank of america 2,500 ( which started out as an secure card now its an unsecure card) Hbsc visa 15,000, suntrust bank card 8,700....Mortgage 250,000--- , auto loan $58,543.00 it soo many to make ur credit perfect.. u can go to the bank get secure intallment loans it will show up as a reg loan on ur credit u can use ur own money to start ur credit i did that and i bought sum of my credit.

[lasoreal]

For starters check ur report 4 errors & dispute anything fishy. If u have creditors 2 pay NEVER do it over the phone. Write a Delete 4 payment letter. Wait 4 them 2 respond back IN WRITING and then pay with money order. Believe nothing they say. Check ur score often I thought it was a gimmick but watching my score for 7 bucks a mth helps me know what those bozzos r doing to it. Also if u have bad credit open a secured card with a good company. Get yf&b by suze orman it helped me

[lasoreal]

actually for most people a mortgage will actually drop your score around 15 points if you have other debts even if their small. Also a car loan may help your score get higher if you make the payments on time BUT is it really better for you??? Most likely no especially with the economy the way it is. So it's better to buy it out right if you can. My bf has had his ford explorer for almost 10 yrs got it through ebay 4 8000 he had to b sure 2 run it through the check system but anyway hope I helped

[TheDraconiankiller]

Create a new Social Security number or CPN. This will be the only way to get a 850 credit score. And FYI 6 out of 10 Americans are in debt. The system is not design for yo to come back once your down. No one will lend to you today with a decent interest rate and with out putting money into the loan. the system is a fraud debt =money , and money =debt. This is a credit based society with money that is backed by nothing. just more printing of money.

[JustWaIkAway]

Man! Thanks for the advice. That sounds so easy!!! (NOT!)

[fadedog]

this guy credit is probaly so low that blockbuster dont give him a card . 850 my ass

[blackberryjuice1]

@fadedog Oh, I thought racism died when President Obama took office. This comment was definitely made after Obama took the Presidency.

[gingerbreadcorpses]

@fadedog LMAO

[bicepsca]

@fadedog ahahahhaah

[RedCell4400]

@fadedog because he's black huh? racists much?

[goodburer123]

@fadedog why so catty?

[Zeta3dwps]

@fadedog No he is black so he gets a Fico of 849 at birth and we get to pay for his debt while he runs it down to 420. The extra 1 point was for filling his name is right on the apps.

[domforce]

@fadedog ja ja ja ja....this is funny



[majcorps]

He is right. you have to crawl before you walk.

[MrCreditRepair]

Haha, this fool is an idiot, he probaly has a 400 score!

[rasglory]

@MrCreditRepair right! he just made the recipe for going in dept!

[devontaii]

@rasglory Yea u right he did, BUT IF U MANAGE UR CREDIT RIGHT AND USE IT RIGHT THEN U HAVE NOTHING TO FEAR. CREDIT IS YOur friend asl long as you dont abuse it by spending above ur means.

[tradersfunding]

First you need an 850 credit score to get all that you just named!!!

[TheDraconiankiller]

@tradersfunding Great response!

[Xone7]

@tradersfunding LOL

[tzbnks]

lol he says that like all that is easy