This is easily the most important credit card video I’ve made, costing the average person $1100 who has this happen to them, and how to avoid it for free. Enjoy! Add me on Snapchat/Instagram: GPStephan
Join the private Real Estate Facebook Group:
https://www.facebook.com/groups/therealestatemillionairemastermind/
Get $50 OFF FOR A LIMITED TIME with Code THANKYOU50 - The Real Estate Agent Academy: Learn how to start and grow your career as a Real Estate Agent to a Six-Figure Income, how to best build your network of clients, expand into luxury markets, and the exact steps I’ve used to grow my business from $0 to over $120 million in sales: https://goo.gl/UFpi4c
So if you’re wondering what I’m talking about, no, this isn’t me telling you not to carry a credit card balance to avoid wasting money on interest. It’s not me telling you not to get cards with high annual fees without benefits…instead, I’m telling you about the importance of FREEZING YOUR CREDIT.
Equifax Freeze:
https://www.freeze.equifax.com/
Trasunion Freeze:
https://www.transunion.com/credit-freeze
Experian Freeze:
https://www.experian.com/freeze/center.html
Here’s how it works. You have three credit reporting agencies: Equifax, Experian, and Trasunion. When someone pulls your credit information, they’ll pulling the data from these agencies which use their own algorithms and data to calculate your credit score. Many people don’t know that they have the option to place a FREEZE on these accounts, which means that NO ONE can run your credit while the freeze is in place, which means that someone won’t be able to take out a loan, won’t be able to open up credit cards, and won’t be able to have access to that information to take advantage of. A Freeze restricts your credit report so that it can't be accessed by a new lender. If a lender can't see your credit report, they won't issue a new account in your name. Simple as that.
When you freeze your account, you’d typically log in online to one of the agencies, prove it’s you who’s requesting the freeze, and you will be issued a PIN number specific to that account…the ONLY way to unfreeze that account is with that pin, which is only generated once, and something that you typically write down and save in a safe place. So whenever YOU actually want to apply for a loan, you go and unfreeze your accounts with that PIN - you get your loan - and then you can re-freeze the account after the lender runs your credit.
Previously, to do this, credit reporting agencies would CHARGE YOU to do this. That was, until Congress amended the Fair Credit Reporting Act to require reporting agencies to freeze reports for no charge. Yes, it’s FREE. There’s NO REASON NOT TO DO THIS if you’re not in the middle of applying for a loan, getting new credit cards, etc.
Do this. Please. I did this as soon as it was available to me, and absolutely no regrets. In addition to that, it’s important to monitor your credit report every few weeks - this is something I do anyway for fun since I like seeing my credit score go up, but consider using CreditKarma.com or CreditSesame.com - they’re both totally free and easy to use. Just sign up, turn on notifications so they send you updates anytime something is changed, and that’s it.
For business inquiries or paid one-on-one real estate investing/real estate agent consulting or coaching, you can reach me at GrahamStephanBusiness @gmail.com
Suggested reading:
The Millionaire Real Estate Agent: http://goo.gl/TPTSVC
Your money or your life: https://goo.gl/fmlaJR
The Millionaire Real Estate Investor: https://goo.gl/sV9xtl
How to Win Friends and Influence People: https://goo.gl/1f3Meq
Think and grow rich: https://goo.gl/SSKlyu
Awaken the giant within: https://goo.gl/niIAEI
The Book on Rental Property Investing: https://goo.gl/qtJqFq
Favorite Credit Cards:
Chase Sapphire Reserve - https://goo.gl/sT68EC
American Express Platinum - https://goo.gl/C9n4e3

By Stock Chat

where the coffee is hot and so is the chat

32 thoughts on “Warning: how to avoid the biggest credit card mistake!!”
  1. Avataaar/Circle Created with python_avatars Poly Tea says:

    Do you recommend any YouTube in canada that make content like this?

  2. Avataaar/Circle Created with python_avatars Ron Peltz says:

    Thank you, good looking out

  3. Avataaar/Circle Created with python_avatars Dave Willams says:

    I bought some credit card from michesliver on telegram and it was real and all his card were valid💯✅

  4. Avataaar/Circle Created with python_avatars Recruit Sales force says:

    I bought some credit card from michesliver on telegram and it was real and all his card were valid💯✅

  5. Avataaar/Circle Created with python_avatars Sharon paul says:

    I’m so grateful I followed my heart to buy things from michesliver on telegram the dude made believe this whole thing I’m so grateful and happy at the same time I got my credit card From him

  6. Avataaar/Circle Created with python_avatars BENJI LADD says:

    There might be fake ones out there but real one do exist contact @Darkjacob on telegram he is the real vendor, I got my cc with high balance from him yesterday 🙏

  7. Avataaar/Circle Created with python_avatars Stefan Vukovic says:

    This is great. However question, if I freeze my credit card account, and don't use the hard for some time (couple years), would my credit card acc be closed? I would not want that, but I also don't need to use this card, and don't want to close it because it will hurt my credit.

  8. Avataaar/Circle Created with python_avatars Molly Lovia says:

    The service I received at hackingjesusisreal is certainly worthy mentioning. It's a well run operation with very knowledgeable personnel led by Alexander Bodgan. His expertise is notable and under his direction my experience with the company continues to improve. I am now in 800 club using their services at hackingjesusisreal@gmail🔵com you can look them up…

  9. Avataaar/Circle Created with python_avatars kim jenkins says:

    So let me ask you a question if I want to get a loan or credit card do I have to go through all three to to unfreeze and freeze it how do we know which one are they using other using Equifax or TransUnion or do you just have to automatically unfreeze all of them????

  10. Avataaar/Circle Created with python_avatars Temeka Reynolds says:

    I have a bad credit score and it’s has damaged the grade of my credit it need to be repaired i found LLC CREDIT FIX via WhatsApp 7646660475 without upfront payment

  11. Avataaar/Circle Created with python_avatars Temeka Reynolds says:

    I have a bad credit score and it’s has damaged the grade of my credit it need to be repaired i found LLC CREDIT FIX via WhatsApp 7646660475 without upfront payment

  12. Avataaar/Circle Created with python_avatars Dan Rockwell says:

    To avoid maxing out your credit card or pay debts off get in touch with. 210 294 6840…has the best credit repair system

  13. Avataaar/Circle Created with python_avatars Fatma Yousuf says:

    What happens if I exceed the credit limit say $1000, but pay the amount in full by the end of the month? My bank states "No extra fees apply when using the maximum credit limit" but I don't really get it what do they mean by that. They have 0 monthly installments and no additional charges

  14. Avataaar/Circle Created with python_avatars Braulio Paramo says:

    Team KSI!! Graham

  15. Avataaar/Circle Created with python_avatars Jose Guzman says:

    I’m totally new to this, so I would still be able to use my credit card for any purchases the only thing I wouldn’t be able to do is apply for new credit card and take out loans if my credit is frozen correct ?

  16. Avataaar/Circle Created with python_avatars Trenton says:

    Can you still build up your own credit and check on it while it’s frozen?

  17. Avataaar/Circle Created with python_avatars blackwide blackwide says:

    In my country we use close or open credit card by application of bank -)

  18. Avataaar/Circle Created with python_avatars Random Moba Gameplay says:

    More Debt Video Plsss.

  19. Avataaar/Circle Created with python_avatars williamcraft09 says:

    Hey Graham! I wanted to ask what does this affect your use of credit cards that you already have?

  20. Avataaar/Circle Created with python_avatars REFORMED Props says:

    How does only have 3K likes? and who the heck are the 33 thumbs down?

  21. Avataaar/Circle Created with python_avatars Kayla Spring says:

    It's 1:30am but I did all of this immediately and it honestly took 15 minutes to freeze credit, opt out of offers, and sign up for credit karma. Seriously no-brainer stuff. Thanks!!

  22. Avataaar/Circle Created with python_avatars James Deininger says:

    *Identity thief.

    Love your channel, bro 🤘🔥🤙

  23. Avataaar/Circle Created with python_avatars apple jacked says:

    Hey Graham, I’m here from the credit card video where you recommend putting a charge on your credit card at least once every few months so they don’t cancel it, do you recommend freezing every card you don’t use often between making these charges? And if so is the unfreezing instantaneous? Thanks

  24. Avataaar/Circle Created with python_avatars thecrustyJman says:

    So to be protected I have to freeze my credit three separate times through each of the three agencies? And I would also have to keep 3 different pins?

  25. Avataaar/Circle Created with python_avatars Angie Rose says:

    Identity thief

  26. Avataaar/Circle Created with python_avatars Ashok Gautam says:

    I like to know about: Balance transfer (3% one time fee) on credit card and when it is used same credit card for daily purchase and paid in full each statement for 1% of balance transfer + full on what used for daily purchase, even charging small amount of interest, I talked to credit card support + online chat with bank of america, no one make me clear on my question.

    Let me give you one clear example to consider:
    credit card limit: 1000
    Balance transfer: 500
    Balance transfer fee 3% : 15
    Purchase by same credit card: 85
    Remaining Credit: 1000-500-15=400
    As per rule not to have interest charged:
    must pay 1% of balance transfer: (500+15)*1%=5.15
    Purchase amount by full: 85
    Even on paying such again there is some interest came in statement, very strange, can you explore such complicated issue, may be lots of people suffering from it by not knowing how it really works.

    As per operator said:
    If you put more balance in your credit card then it is used for deducting your balance transfer balance (so no point on it)
    When you do balance transfer from that card stop using that card for purchase to avoid any interest on it.

    I am sure you will explore on it.

  27. Avataaar/Circle Created with python_avatars Marco Barajas says:

    If I freeze my credit, do I need to unfreeze it in order to get a credit card or use it?

  28. Avataaar/Circle Created with python_avatars Ken Belangel says:

    Logan Paul fans are the worst

  29. Avataaar/Circle Created with python_avatars Julie Alexandra says:

    Borrowell is another free credit checker (my personal favourite) 👍

  30. Avataaar/Circle Created with python_avatars Dallas Snider says:

    If you freeze it, does that mean you can’t use credit cards and improve your score??

  31. Avataaar/Circle Created with python_avatars Thomas Rosales says:

    I love you graham !

  32. Avataaar/Circle Created with python_avatars Aleksandr Velinskiy says:

    What's up Graham, it's me here! 😊 Cool! 👍

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