Let's see how we can do this come on, come on, come on, what's up what's up come on in come on, let's have this discussion what's up bright, what's up at the end, Ursa how you doing ma'am today, we're gon na have a discussion like what are We doing in 2019 to improve our credit score. Any questions discussions anything like that and your video was awesome and I was a really good. That was a really really good. Video, really detailed, really really detailed.

It's about 30 degrees right here in Jersey. Let me see 42 degrees right here, so it's kind of cold over here. So hopefully you got better weather than we do right now. You're welcome bro again it was a very good video.

I can't wait to see some more said. I was definitely awesome. Let me give everybody at least like another three minutes to kind of come on in I'm having discussion about what are we doing to improve our credit score this year? Anything that you've done anything is trying to work on any questions you might have for me, etc. Like that, I'm here to answer - oh just let me know: Oh Langhorne, PA, okay, okay, it rains not too far, Triton's not too far.

How do you like it out there man? Is it uh? I've been out there, maybe three or four times just to go to the beach, and that was pretty much it. I was kind of too young to really go out on my own and kind of explore, so I haven't really been to Virginia. Beach has an adult yet something I want to do soon, baby. Okay, that's good! Everything is closed by us or something was waiting for some more people to come up on here.

It's like I'm talking to me you that's it. I'm trying this new live thing. I'll see how this goes, man I got ta get in a habit of doing some lives to Saturn, just the recording videos. So what card are you using the most right? Now, man, I see you had the Navy Federal Credit Union card, you had to quicksilver's, you had a capital one though you got the you upgraded from the capital in platinum.

You also have to touch the sky mouse. What else did you have, and you know violet? I saw something else, so you got to quicksilver's the Delta SkyMiles, the Navy Federal Credit Union, and you got us pink because write us Pandya, which one do you like the most right now Wow. What her credit unions are pretty, like pretty alike they're, pretty uh, not stingy, they're, not standing. That's with a good thing about a the credit is 20,000.

S was something I haven't gotten. The 20,000 won just yet, but I haven't tried our credit union either. So that's pretty awesome! 20,000. Okay! Yet I you as main cash bus is pretty nice.

What do you get like 5 % back then two and then one is a five to one, I believe in the u.s. pen? Cart. So that's pretty awesome! Everybody who's joining! Today's discussion is gon na be about what are you doing to improve your credit this year? Any questions or anything like that. You got ta, be happy to answer him thanks for tuning in five percent self, only five percent food that is awesome and two percent gas.

Okay, well, everybody does that everybody has a cell phone, everybody does food, Oh Casper, sobbing, that's dope! That's dope! I'm thinking about the Quicksilver card, I'm not too sure still think about it. The capital and cook service we'll see how it is. I have 489 that you have redeemed. Oh really, you haven't even redeemed it.

I'm guessing you're, just gon na hold it a little bit until you get to like a certain amount of money. That's what's up and is easy to reach that you're. Looking for cards with high limits um, what what type of cards, though, as far as like travel cards cash back, you don't care what type of cards cuz. As Dee Anderson just said.

You know the credit unions are kind of kind of easy. As long as you know, your credit and stuff is in place, I'm pretty friendly, with giving out a nice credit limits, as opposed to like a bank. I, like it, the Quicksilver has 70 and a hundred I haven't okay, so you are on your grind man. That's! What's up, that's, what's up, you know, I'm team Amex, though you know that's my favorite team, Amex ma'am.

I keep them for okay, that makes sense, and then December December you just kind of will just cash in make sense we're under holiday time see if any, like. So the holy airline, I'm kind of waiting, I'm waiting for an airline, I kind of have a credit card that gives you status like just like you know, hotels do because it would be. It would just be so much better. I don't even care how much the annual fee would be, even if it was like four hundred and fifty dollars.

If there was a credit card that kind of gave you some like airline status, that'd be pretty dope. I have yet to see that, though you know they kind of give you the points they give. You like this priority board and stuff like that, but they don't give you the status. So I'm waiting for a credit card.

I would have airline any kind of give me that status and hopefully hopefully it's not they're American or Dulles - is they're the most. It was a fly, the most American or dozen that's when he got it up to Sky's car. That's a good limit. That's a good limit for a max, so legal limit out of other companies.

I think they give the best service. When I call in it's, not it's not bad. It's not mean chase is probably up there too, but as far as like the best service is probably AMX, probably the fastest and the best amen you live and you learned off. You know you live, you learn.

So it's all good, like you said you roll up. Your sleeves and do the work yourself so get it easy Amex is easy to deal with. They look out for you, you protect you, so that's pretty cool you booked a trip to who so we're there's a couple. V's out there were you gone? Oh biggis, okay, Vegas, Vegas, Vegas, okay, Vegas is pretty nice.

I think that's probably I can go to Vegas, maybe once or twice a year and I'll be perfectly fine gone every time. That is always something to do so I don't mind going to Vegas at all. The thing about Vegas is: do you have the UM? You got the AMEX Platinum Card. Do you have that? Well think you do, but there's a lot of like it's a lot of hacks and things.

You can get a view out Vegas or Atlantic City New Jersey, because I'm some resort fees that they charge. You in Vegas just be like $ 40 a night and they don't even know. I don't even be seeing a resort. I don't know I'm guessing me.

I think Vegas is a resort. Okay, he lives in Arizona, got you when I went to Vegas one time we went from, we didn't like the Grand Canyon trip, so we went from Vegas and we went to the Grand Canyon, the city, Grand Canyon. It was a pretty nice trip, really nice road trip. If you get that platinum, you can I'm sure you know you can be doing the status matches and all that good stuff.

So you can get like Hilton, gold and they're from Hilton Gold. You can go to Windham gold and then from starting to Windham diamond and then from Windham diamond you can status match it to Caesars. You can status match that to Hard Rock, and what that I do is when you go to Vegas. You know how to waive all your resort fees and stuff like that so and then I think you get like a hundred on our credit to eat and then you get like two free tickets to see a show.

So once you get that platinum card, let me know we'll do a video. We could talk about it, so you can go out there and pay as little as possible out of pocket with hotels and get some really cool perks. Maybe this was the wrong time to come on. I know a Saturday is almost Saturday night yeah man, flexibility, it's always good to have flexibility and stuff, like that.

I just found this out, maybe like two months ago off of like a Facebook kind of like group where people got like the Amex Platinum Card and he literally started off with, like you know, Oh some gold and he just status matched like almost every Hotel brand. You can think of just offered a Hilton gold. It was crazy. Some of them are good for like a year.

I know my Caesars is good until I think his January 2020. So it's pretty good and also give you a like a free trip to Atlantis. I think that is where's, that it is that Bahamas. I think it's Bahamas.

I got a look I'll, let you know, I think you got to pay like resort fees or something like that, but that's pretty cool you get it once per lifetime. I'm stuff like that. Yes, in Bahamas, yeah, yes in Bahamas, Jamaica's want to raid our next Jamaica, yeah Jamaica's on the radar. Next I was looking at it a couple years ago I was looking at ultra radios, I'm not sure, parted, to make it your friend, but I was looking to all show reels.

It's like a nice spot. Vacation nice. I was dog, he went back to UM. He went back to Otto Rios Kingston, Jamaica, okay, I'll cancel your family was home to your family was from Kingston, but even with all those Rios catch it gotcha 800c.

The only thing that's holding me back right now is the history. I'm gon na younger side in the world right now, so the history is kind of like in the way, so what seven or eight years is pretty good. So once I hit like the seven or eight year mark, as far as like you know, the age or their credit history or the amount of you know the age of amount of credit and stuff like that, then you know I can get and break into the Eighth, so I'm like right there, I'm like I'm almost there. This is the age, that's like kind of the biggest downfall right now, 47 years.

That's awesome! That's awesome, see! That's that's like undoable! Now as far as I'm concerned. So that's pretty good. 47 years. That's amazing! Everybody that's joining.

Let's go. Today's topic is going to be. What are we doing to improve our credit in 2019? Any questions you need me to answer, I'm happy to answer him. At least you got that far.

At least you got that far everybody who's watching. Welcome. You can get into the jacket into the discussion anything that you want to talk about as far as improving your credit, whether you're doing the improve your credit this year, any questions you have I'm happy to answer them. Let's get this discussion going.

I've been here for about 20 minutes. It's just me and Dee Anderson talking right now. So let's get everybody involved and get the conversation started. At least, let me know you're here.

I appreciate your David. Thank you so much for that ma'am. What are you over to 524? It sucks because they just um, I think chase, maybe a couple months ago. I think it was every two years you can get the bonus.

I think now it's like every three or four years or something like that and in terms of condition, so they really not plan when it comes to those sapphire bonuses, they don't really want that. Uh internet travel, hacking, lifestyle. So it's costly, I'm probably a lot of money, a lot of money, yeah! No, you can't turn 20. You can't turn 20,000 down it even hell, even if you don't use it as help you utilization in big time.

So you can't turn down 20,000, not not at all. I'm gon na try to go alive at least once a week, I'm gon na try to figure out a time. I can't even do that. Cuz.

My schedule is so crazy, but I'm gon na try to go alive, maybe starting this week coming up once a week, I had like some type of discussion I'll make sure I put it like in my community posts, maybe a day or so before. So you guys know when they kind of tune in Larry King's book. Credit Secrets is a great book to improve your credit. Okay without something that's something I didn't know.

If that's a really good book, okay, rather check it out credit secrets. I appreciate that Jim and welcome to the other discussion. Well welcome back cuz. She wasn't here prior, I must be the only person I didn't see the book.

Oh, let me I'm gon na have to Google this. Let me see okay, any advice for getting the first Amex me. When I got my first Amex it was, it was targeted, it was the it was an Amex back. Then it was.

The premiere rewards go car. They came by like a little target. A bonus of 50,000 points, but um advice for getting it. I would say you want to be as far as credit score wise if you're talking that high sixes low sevens, maybe even like me, obviously anywhere from a 666 70 and up the first card.

If you kind of want to get into the you just want to kind of get into the flow and you want a charge card, I mean, I would definitely suggest the Amex Google car. You can do the green card, but I don't really it's not really. A mini perk Twitter at this point in time, so I would do that one or if you want more of like a everyday credit card, look like an actual credit limit. They kind of just like build your way up.

You can do that. You know the Amex everyday card, you know that's a really good card, so I think that'd be, I believe, the first card for somebody just trying to get their foot into the AMX door, so a charge card. I was at a gold card and as far as the credit card, I would say that everyday car even everyday preferred. I was 675 when I got to Delta yeah so, like you know, obviously like exactly so like 666 70 and up there's, like typically like a pretty good range.

That's awesome! You can always see David, a matter of fact. If you don't have you don't have like Amex just yet, you can always go to our website and you can see you can actually see what they pre qualify you for without taking a hit on your credit score. It's like a software in Korea and I kind of tell you what you pre qualified for, but I think is a really great tool. So you don't hurt yourself, you know you kind of just you know what you want and it kind of tells you what you're.

Possibly gon na be pre-qualified for how to build credit TV what's up man the way and how you doing buddy. Welcome to the this is my first live man there's only five people in here, but I appreciate it. Gon na do one every week. Nobody has checked his channel.

Duane is amazing with how to build credit TV so definitely check out his channel. I love his videos. I love his lives thanks between an ember. I appreciate it.

Yeah like you're in yeah, pretty much. Ah, okay, I just say the alert. Okay appreciate that doing yeah once you're in Amex is pretty much soft pools, even if you wanted to do like a lonely Amex, it's things like that everything is pretty much soft pool. So that's pretty awesome but see.

That's why I like them, because you have some credit-card companies where you just you want to give it. You want to get a limit increase and you got ta do a hard pool, and then you don't even know right away. Amex I'll tell you right away on a website if you're approved online as a soft pool, so it was really cool. Is that the um, so this year you can allow also a lot of credit agencies that access your checking account to view your financial behavior yeah with that um? Was it the ultra cycle, the ultra FICO score, but you must maintain a four hundred dollar balance.

That's a good one, that's a really good! I don't know about that. Still, though I don't think I want them to do. I mean if it helps somebody who doesn't have credit. That's awesome.

I don't think me personally just yet I'm one that I want that hundred percent, not yet so I'll kind of just like watch and see how other people kind of do as far as success with it and then go from there, which company do you like better Mx4 chase hmm Amex, 100 % with Amex. It was just like easier man again the soft pools, the products the service Amex offers. I know Chase, has it too, but it's like another, it's a whole different app. It just Amex makes everything a lot smoother for me.

Personally, yeah MX MX would be the answer, but Chase is in the back of my suit if MX is number one that I would say Chase would be number two in my opinion. What income do I need to get credit cards with $ 15,000 plus limits? If my credit score is a seven forty okay, so when it comes to somebody giving you a credit than a fifteen thousand plus, you know goes from personal experience. You know I'm not the richest person in the world and I have credit scores over fifteen thousand, and so I would say you know, income is a, is a portion, you know the undef, they definitely look at that. But as far as like what other debts you have out there, it's kind of hard to answer you directly, because every company does does underwriting differently.

You know some companies might be more free, like a credit union. Some banks are kind of you know more stingy, and you know a little bit more. You know they don't want to take too much risk. I would say it: is it's gon na be more so your credit history, the credit score is pretty good, but you could have a seven to forty and be like um one credit card in versus somebody who has a 740, and has you know seven or eight Years of history, they're, probably gon na get them a little bit more.

So I would say you do want to have some income. I mean, if you want me to give you a number, I would probably save. Fifteen thousand limit you mean you wan na, maybe be at fifty thousand a year, um kind of like an average, maybe 50 55. But then again I know people who would all make 50 55 have a really good score and they're getting like 20,000.

20. 17,000. 18,000. There was a point in time where I wasn't making over 50 and I have two credit score for about 15,000 solely depends on your history and welcome to the the chat call me class.

I appreciate that question. Yeah yeah yeah pretty much. Yes again. The credit unions, are, you know, the credit unions are for people, I always like to say the bank's.

You know they're for people too, but you know they're more in the mute off business. You know, credit unions are kind of for the people ran by two people. I'm so the credit unions hook you up a lot better than a bank probably would for sure right, dois playing his video man I had to I had to subscribe to the channel. I was really a four-minute video and it was pretty cool how he said.

You know you don't have to always hire somebody to do it. You know you roll up your sleeves. That was the best part. You said you will up them sleeves and you get to work.

That was a pretty good video, so again deed. I was awesome. Amex will close or freeze your cards if lemon is above 25k. Really that's something I'm gon na have to look into I've.

Never not saying it's wrong. I just didn't hear about it. It will close or freezer cars. Are you talking about the Financial Review they're playing with where they do like some type of financial review of you make? If you have a limit above 25 Ken, I figured I've been into review.

That's one thing I just don't want to see. I hate to see it. I don't mess with that with your charge cards, I don't mess with that button to kind of see if I qualify purchase will go through. I don't do any of that stuff.

I kind of just stayed low pay. My balance, a fool and just keep it moving that financial review. I hate to see it really, okay, so they give you 25,000 and then they freeze just to review wow. That's tough! That's tough! I applied for my first business credit card on Thursday, Memex yeah.

So was it your video? Was it your live? You said you were going to apply for the business card, which one did you get? Did you get the UM? The gold was it under? They have a red one, they have a you got a charge card or you got a credit card. Nice. Okay, congratulations! Ma'Am! That's a big achievement right there! I was thinking about doing the UM yeah. I was thinking about yeah.

That's a! I mean. That's a good achievement and that's a really good one. Let me see two points on business purchases, but get your foot in the door and get your foot in the door. I was thinking about doing the Platinum.

I heard that the come tax time the annual fee for the you know the annual fee for businesses. Tax deductible, saw I'll be looking into that this year, possibly and to membership. Will war points on every day purchases up to 50k, with our category restrictions. Okay, child support reports to credit agencies each month as a bill.

Well, I am happy. I don't have to worry about that. I need to avoid the annual fee on the rolls go to MX it's kind of hard to avoid it on the rose gold Amex tile because um they can give it to you within the first us. You know the first.

It doesn't waive the first year at this point. No, unless you using the benefits of it, that kind of pay for the fee or kind of bring the feet down, I'm just going to be kind of hard to avoid it. You can try to see if they do some type of retention offer. It's gon na be kind of hard to avoid it, though, but I think, as long as you use the benefits up and it kind of makes sense to keep it that's a really good card.

We had an annual fee for the rose. Gold is 250. They bumped it up um a couple months ago. I would say: was it a couple months ago? Maybe like the end of last year, they bumped it up to 250 do, but they gave you this time around and the metal card.

I guess to kind of make it make sense. Thanks pain, okay, let me see what other credit card or a mix for the car. Should I get you have the gold SPG too blue. I, like the the everyday card.

The everyday preferred card is pretty dope. It's all good Bella! Welcome to the channel. It's all good yeah. I like the I like to everyday, prefer card or even just to everyday card.

I Hilton's a good one too, but I don't know as far as I just Amex and kind of like not Hilton, I, like the other Amex everyday card because it doesn't have the annual fee. It has a nice signup bonus too. You know 10k. We spend a thousand in the first, you know three months, but if you get to everyday prefer card, I believe you get an extra 10 % on the war points.

So every day prefer cars pretty good too yeah do that. But if you're gon na do that everyday Cardew to everyday prefer card, I think to everyday prefer part and prefer got ta, be a little bit better for you, yeah yeah. They might spot em sex in the card. I think that's my favorite charge card.

It's my favorite one, this spring, I'm gon na, add Navy Federal Credit Union go rewards three percent rest of lots: yeah, okay, I'm after looking to these are these credit union cards. I have been like a credit unions, are really good. Another reflexive one of they're, very um, they're, not stingy with their limits, and things like that, so I'm gon na have a look and you got ta be looking at Navy Federal Credit Union. At this point I have the Ducks of go and I want to Delta platinum, so I'm guessing you're like um, see I would love to have the dumps of card.

The only thing about the Delta card is where I am. I Delta is very expensive. I'm at Philadelphia, so it's very expensive and it just doesn't make sense for me in my hub America. Airlines just makes a little bit more, but that really nice like if I'm going to pay four hundred and fifty dollars, for you know credit I better be able to use it to the best of its ability and the Delta card is this offense was so expensive.

So I'm coming out of Philly most of the time, so it's kind of hard military credit unions are the best yeah. You definitely get that Bella. If I'm saying that right you'll definitely get there, you'll definitely get there. It's not a race, it's not a marathon right! So you'll definitely get there you'll definitely get there.

I have an everyday card. Should I um plot? Should I upgrade to the preferred or cancel it didn't apply um? I would just upgrade it. I wouldn't want you to put a ding on your score right, closing it and then just applying, because you know that I ding you. If you closed the card, then apply for another one, so I would just upgrade it if you know Amex lets you and I'm sure they'll.

Let you do that. So definitely just just go ahead and upgrade it. My opinion javante welcome to the chat man. I appreciate your joining them.

Today's discussion is just gon na be about you know. What are you doing to improve your score, any questions or anything you got for me. What are we doing to improve our credit score this year, etc? So, just let me know Thank You Man. I appreciate it.

I've been trying my FICO has been in the low 600 for a year. I sent out 600 a nine letters last week. My guy D Anderson and the entrance is pretty well, you know he did it. His self, as far as I'm sitting out letters and things like that, so if you ever wanted to have a conversation, the Anderson is pretty nice too, but yeah I mean it got some things which needs to work on.

As far as on a report that you're disputing and stuff like that, I'm just keep trying to dispute them and stuff like that. If you ever need, you know help her questions like that. You know you can file, know an Instagram Twitter. You can message me on here, but we can always have a discussion javante.

I appreciate it. Man still trying to get into the flow of everything. We're gon na do a backdrop now cuz I like Dwayne's backdrop. So I'm gon na get it back drop and we're going to see how you guys, like a backdrop of setting his wife boring wall, so I called us back to upgrade my platinum.

It's a flex person fuses answer, go gratulations, I'm just saying the Anders in the video was pretty nice. You know his his video was pretty good. I improved my scores by buying books at Barnes & Nobles, okay, so like a lot of knowledge and fundamental reading and good stuff, like that, you know you got like websites and stuff like Credit, Karma things like that that can kind of help you out too. Oh, my goodness, 45 minutes on this thing that doesn't even fit that long.

45 minutes. Hmm, look at that! Look! It's all about to connect! That's done! That's dumb! You want to follow me. Are you trying to follow um D Anderson, I gots to man. I mean you talk about your doing you're talking to me your Dee Anderson.

I know I need to get my watch hours up. Definitely I'd like to chase that fire cars man um, I didn't do the Chase, Sapphire reserve. I did to preferred because they had seeming like a target on offer, maybe like two years ago, um and I went to Barbados with it. So what I was kind of half of it went to Miami I'm sorry with the Chase Sapphire I prefer.

So. Yes, it's really good serious. The only thing is yeah, so I'm streaming on my cell phone right now, yeah bro, extremely with my cell phone, but you know the Chase. Sapphire um.

You know series is pretty nice, but you know you got ta wait like four years. So you can get a bonus again, so I'm not going to do it again until you know I can get the bonus as well. That's a big annual fee yeah, I'm streaming on my cell phone right now in you to credit. I got a channel two.

Nothing major, but I'm trying we all trying out here. We all try yourself yeah, it's a process, it's a process but welcome to my channel, and I hope everything goes right with you stay connected. I definitely went to check out your channel. I see which a channels about as well I got rejected from a Citibank card last year for too many enquiries.

When I apply again and which card, should I try for well what kind of card are you looking for you're looking for a like a just a travel card? Are you looking for cash back card when it comes to too many enquiries? I know it takes about two years for enquiries to fall off, so it depends on you know your most, but you want to look at your enquiries and kind of see pretty much. How many reviews do you have and when are they gon na fall off? I use Credit Karma for that because it kind of tells me when I increase fall off right now. I only have right now. I only have one inquiry, which is pretty cool, that's kind of on my report, but um yeah.

What are you looking for with Citibank? Are you looking for like a travel card, a cash back card, and you know if you have inquiries, I would um you use something like credit card things like this. You can see when your increases gon na be falling off. This lag is up okay, so there must be a lag because I'm getting all these things different. Okay, if you're gon na do a we're gon na do a card for City I'd like to see the double cash card, 1 %.

When you swipe 1 %, will you pay Citi? Double cash is probably my favorite one when it comes to City now, as far as the 9 cars 9 cars last year, I mean what does it take a good two years for things to fall off and Duane? If you're in this channel, I mean, if you're in the stream, you can kind of help me out with that, but I believe it's two years when a credit increase comes off your account, so I would way to just wait a little while I'll put my Instagram In this chat gave me so my Instagram is the CC maestro, so just the then CC and maestro thanks in you to credit. Yes, two years for increases to fall off got ten coming off this year. That's gon na be nice. Your school is gon na jump.

Yeah, that's the I like, that's probably like just bit the best part of the videos I mean his is contents awesome. But when I see the message stay that always gets me cuz, that's one of my favorite movies, so message I love it. I'm trippin nudes to credit. Okay.

There we go my dad new to credit. Okay, that make sense. That's catchy, though new to credit. Okay, I like it.

Yes, I have not increased TransUnion. Okay, nine enquiries. You got six wait. I have nine increase, TransUnion six Equifax and seven Experian okay.

Yes, I love that Amex platinum! That's like my gold, one of my go-to cars. I can't you know you can't use that card everyday. It shouldn't be used for everyday car, but as far as just um, the statuses and stuff you get when you have the card, I guess it's unbeatable and I will put that card over the Sapphire Reserve any day. I know some of the things you know they miss as far as like um, you know, Chase is a little bit better as far as like, if you're missing flights and things like that, like the cancellations type of stuff like that, but as far as like the Benefits and stuff itself, I like it.

The only thing I kind of don't like is that they kind of break things up in increments when they break things like, as far as the uber credits and stuff like that. If I could just use all that and one just in one day, then I'll appreciate it any better, better categories for bonus, spin areas - I would agree, but then at the same time that's why I have the bull car too, so they kind of like one of Them, like the other one kind of makes up for so you know the gold car lacks and the flights, which is the three points per dollar. When you booked flights directly, is the Amex platanus five points and vice versa? You know? No, you don't get pretty much. Nothing really except one point for a dollar when you're going to like a restaurant, with de-annex Platinum versus what the goal is you're given four points at a restaurant, so they kind of make up for each other yeah, I'm gon na be like well when I grow Up I'm getting it, I'm sure you can get that right.

Now, man, no problem, no problem. The MX planet is my song card. I couldn't agree. That was definitely like my little flaunted cart when I was out trying to you're not just impressed, but I'm not at the gold card is pretty much the same thing.

It's just a little bit thinner um! You know I can rock a rock out with the gold card soo and get some more points yet has a 550 annual fee. Oh thanks new to credit yeah, it's $ 550. But if you look at my last video um literally the last video I posted, the 550 is very, very small if you're gon na spend on 550 anyway, when traveling and things like that, then that 550, you miles are just go ahead and do it. It's gon na make sense in the long run.

There's no traffic. That's to see. That's the only thing the CSR gives. You don't travel protection that you know the MX platinum.

Doesn't so that's when you got to kind of weigh your options um, but I'm still gon na go with the other MX platinum because they give you more things like you know them. The lounge access is centaurian lounge and priority pass all the statuses with the hotel's CSR doesn't give to you be so kind of makes sense. No, I don't have any a makes business cards just yet. I was thinking about doing the business platinum cards.

To be honest, especially if the scribe super-efficient to speak, to like a tax consultant, but I'm pretty sure that the the annual few and a business card is tax adoptable. So if I can get that at guaranty, I'm gon na get the UM the Platinum Card. For my business, I agree they do need to step it up a little bit um and, like you said, with the travel protection. That's like one of the areas they lack in big-time.

How long have you been in a credit game? I've been in a credit game since I was okay, so y'all about to find out some fun facts, so I've been in a credit, I'm 24 right now, 24 years of age, I've been in a credit game, since I was 19 so about five years. You have five years going on six. Do they bill you for annual fee or is it bill to your hotel so for Amex they charge you on your statement. Yeah it's hard to statement.

They wouldn't charge the hotel that you're at what I was gon na type. Oh yeah, so the a memetics Platinum Card or any other annual fees, is charged to your your credit card statement. Yeah. They just raised up to see here's the thing with that.

Okay, so now I got to reconsider, because I did forget about that. It's five hundred. Ninety five dollars now and they added on some type of like Dell type of like $ 200 thing with Dell, and I don't really see myself getting a Dell anything to be honest with you so, but if I can still get a tax deductible, am I still Doing I just started kind of had to get my credits go first. Well, but that's good! You know each one teach one.

We know we got to get our things together and then we come out here. We teach other people. So that's awesome. I'm gon na make sure when this stream is over, that I'll make sure I go ahead and subscribe to the channel.

So my support take care of the way, and I appreciate you coming in bro have a good week: mmm yeah man. If anybody hasn't checked out Duane's Channel how to build credit TV, I'm sure everybody here has seen his channel, but if you have it definitely subscribe to his channel. He is really great. I love how he talks about cash back cards, the Capital, One all that good stuff so definitely subscribe.

His channel got about 5 cards now: ok, Chase Sapphire, Preferred Delta Gold Capital, One Cooke silver and Capital, One Cooke sober; okay, that's good how you liking that umm, which, what's your favorite car, ran out of the repertoire that you got in your pocket. What's your favorite mom, give her credit welcome to the channel? How are you doing? How are you doing damn? Well, what are the reasons that they're denying you four? I'm sure you know they always tell us like a reason, if you don't mind, sharing what are the reasons that they are declining, you I'm doing good River, give her credit. Not thanks for asking my Saturday is gone good. We had an out not too soon what is a good mix of credit cards to have to build scores.

So when it comes to a mix of credit cards to build scores, I wouldn't say it's as important as having a mix of different types of credit, so, for example, credit card, then maybe like a car loan mortgage etc. Now, as far as so I mean that kind of plays a big big portion, so you know when you're talking about credit or makes a credit, you want to kind of mix a credit, two different types of credit, so you have a loan or you got a Mortgage to Japan down again a credit card, etc, so they don't really care about the types of credit cards you have they kind of care about. How well are you doing with the different types of credit that you do have what I'll do for you um? If I'm pronouncing a me write a nice fave Jones, I'm gon na look into that for you and then what I'll do is I'll get back to you, because I don't know about that. One I'd have to really find out, for you swear as agent business as to why they're I'm what are the clone of you mm-hm.

I'm surprised asking for any papers or something I had to kind of show that the business is kind of worth extending credit to them yeah. That has me kind of confused too. I didn't think that they looked at the age of the business either because a lot of people try to start off but yeah. I'm gon na look into that, and I promise you I'll get back to you.

I'm actually gon na write you down on my little pad give her credit. I can't wait to see some more videos on your channel cannot wait to see some more videos. My business started March, 1st 2018 nice. What kind of business do you have? I am NOT over the 524, thankfully, so I have the freedom to apply for some chase cars about 1/2 um, but I don't really see myself apply for any chance cards just yet.

I'm gon na wait and so I'm eligible for the sapphire reserved sign a bonus. I think I might be close to kind of hold on to think about it. I might be kind of close to 524 if I'm not a card away and I'm like maybe one or two cards away, I'm pretty close, usually when your pride for grants, digital marketing. That's awesome, digital marketing is awesome.

I might hate, I might need your help. You know, I might need you to help us some thing, so you know definitely usually when you have applied for grants, you look to see if you've been to business five years or look and see if you'd be a financial risk. That's good to know, give her credit you. Let me know I'll, be subscribing again when I got off this live, but then, at the same time we can always do collaborations and kind of show everybody how great we are next year to the world of higher card.

Is awesome and the redemption for them points are pretty pretty cool. I was up Washington, George thanks for um, coming into the channel um and my loyal to a rewards ecosystem yeah, I would say the AMEX ecosystem is something that I'm a little too um big-time. Do you get hotel credit cards? I'm not were three under I had a. I had a hotel credit card with Amex blood.

When I got my Amex platinum card, I didn't I kind of I didn't just cancelled it because he gave me gold status already with Marriott and Hilton. So at the point in time I don't have any hotel credit cards. Let me think about it. I'm lying! I'm sorry I have the SPG AMEX card, so yes, I do have those as well.

I just don't use it that often, but now with the free night or something like that on each calendar year, definitely gon na be using it. Well, that's not good! You know. That's against guidelines or regulations. So if that was the case, which I hope it wasn't, that's not cool at all.

It's funny out. It'll reverse build a mechs first, then next year, cheese, okay, but you're doing it though yeah collapse. I was pretty good, so definitely keep in touch and let me know it's all good better late than never, though right I wanted to start with a max about. I didn't want to lose out on the cheese cards yeah.

I do have a Barclays car at the Barclays carga I have right now is the American Airlines red aviator car. The annual fee was $ 95, but they gave me a sign up bonus if I believe 60 K, so I'm still using I'm still using those mouths and yeah. It was pretty nice $ 95 for a car that was giving me 60,000 bonus miles. So what I did was I'm looking at Jamaica and round trip.

It was thirty thousand points, so I would still have thirty thousand more points, so I'm gon na do two round trips to Jamaica, just for often $ 95.00 Sonoma round trips was like six to seven hundred dollars so you're, looking at like a thirteen hundred, our value Plus, just off with ninety five bucks, so ya Barclaycard, I love Berkeley Berkeley's. I love Barclays apt I like how their app is really nice and smooth. So the broker cart that I have right now is the already. If you had a car for America Airlines when it comes to recommendations and just learning from D Henderson today, as far as like what he was talking about D Anderson in his video today, he's actually in this chat, giving them 30 days, I'm quoting off of him.

Giving him 30 days to kind of show some proof that you actually owe them like some type of proof, or something like that. I mean. If you do owe them, you know, I would just maybe give them a phone call, so you could set up the type of arrangement and pay him and see what we can do. You know try to make an offer.

You know I can do this a month at a month just to kind of try to get back and get those things off of your report, but the first I think, the first and foremost the first important bottom step is to make sure that you actually open And if you do try to set up some type of arrangement to get it paid yet I did a shocking that shocking and I feel I got so much more to learn. So we all on the same path work out five days a week you getting into the gym, that's good! I have the uber card, I'm going to apply for the reading of your card next or arrival plus yeah. I was looking for just so. I had this Citi card, I had the city advantage.

Car from American Airlines, and all I was looking for was another signup bonus for American Airlines Mouse. So, that's why I did the red aviator car by Berkeley, but the arrival plus card is awesome and I love how you know it's kind of like flexible. So you can do what you want to do with with collection agency. I called first if they don't pay to delete, I wait until they remove it.

They call the initial holder and pay them keep checking your credit report. Everyone stay, take it off. That's when you pay also follow the speed and say it's not sure it count. Oh man make sure you check yours, okay, statue of limitations.

This is some good advice that they're given man. I appreciate you guys doing the input. I can't believe I've been in his life for a hour and 10 minutes and you cfpb die gov to clean up things on my credit report. I'm looking at that right now to see what that is.

Let's see, Oh Consumer Financial Protection, Bureau. Okay, that's a pretty good idea. I don't pay anyone, because mostly are the things you can do yourself and it's free yeah with YouTube and like with YouTube being even with me when I don't have answers like one of the first things I know Google's like the second Google's the first search engine. That's like no look at the motion in YouTube's a second and coincidentally they're owned by the same company, but I'm YouTube I like to kind of listen if I'm driving or something like that or laying in bed is free information and people give some really good advice.

If you really think we need to pay somebody - and that's perfectly fine though, but you know, I would try to first look at YouTube and look at that advice. There's so many other people out and I get really good advice on a daily basis up. I agree with you: that's surprised that they didn't respond to you, that's pretty cool, so you just sent the letter in ages, didn't even respond back and then it was just a leader off a report. That's a pretty nice and aggressive method without being disrespectful.

You just you just want to see some paper. You just want to see some proof of some papers. So that's pretty nice. If collections been Redakai report for nine years and 11 months, they will bill you because the law says they must delete it after 10 years to not pay it.

Okay, also, if you make a payment on your credit card, your car reports to your credit bureau before your payment, so you can just roll on hmm y'all thought out some gems right now. I thought out some gems, so this is nice. This is I'm learning myself right now from you guys, so you guys throwing out some gems all right, so I'm gon na be off for maybe like another five minutes. I got some Saturday night plans.

I've been out here for almost an hour and 20 minutes, but I, like this live thing, I'm going to make sure next time. I got a backdrop next time, I'm kind of facing the camera, and I actually have some content to kind of talk about and as people join in, hopefully you guys join it next time. We can have a conversation about that and whatever else you want to have a conversation about, but yeah I'm gon na be probably logging off in the next five minutes. You know I got some Saturday night plans.

I am based out of Philadelphia, go Eagles. Anybody who disagrees I'll respectfully disagree with you right now, but yeah go bears um, I'm out of Philadelphia new to new to credit. I appreciate it appreciate it. Oh, we got five minutes to disagree.

Well, I think Dee Anderson agrees with me that it's all about egos nation right now, so you see what the Patriots do, the owners and all that stuff. So nobody not that's, who I'm pressed by them, the Bucs okay, I was there as well. I was there as well and my job was like: if you call out or something like that, they're going write you up do what you got to do. I wasn't going to Napoli is once-in-a-lifetime stiller's nation, okay I'll, go respect that free everywhere everywhere.

It was awesome. I feel bad for the same stuff. We got anything. I really feel bad for the Saints madness last year.

It was. It was a Mis plan, but this year was it was just a bad car, any advice on mortgage loans um as far as mortgage loans. What I do cuz I used to help people find like the rates and things like that based off of what I do for work as far as um mortgage loans. You want to really shop around see who has the best rates and see if that bank will give you a discount at rate.

So I know some banks would give you a discount rate on mortgages. If you have maybe a checking account with them, whether it's like a quarter percent off the rate, I like to look online, though at our reviews, because there are some banks who have a really long process. There are some banks who have bad online banking, bad customer service, etc. So look online and kind of lay out for your rates and see what kind of banks are offering you.

I will start you know, maybe a few months before you really want to get a mortgages. So you know how about you know just kind of just shop the market and see what makes sense for you, but I'm always on Google, looking at reviews from other people and looking at you know, different blogs and things like that. Who lives like the good rates and things like that student loans are affecting? Hmm student loans are crazy. We can have a whole conversation about that.

Another day. Student loans are feel like they're forced upon you know, college kids. To kind of like you know, you got ta, you got to go to college, just to be big, and then you know you can't all these student loans and you know you're getting out of school and if you don't do extra and you just kind of work For somebody, you're gon na be probably planning off these long skirts to your life. So it's one of those things I kind of.

I look at sideways depending on how you look at it student loans. Are there um a bad, oh man? So that's so strange. I have not been to Los Angeles yet, but I want to come to Los Angeles before the end of the year. I got lucky and got the American Airlines to gift cards from American, Express I put a credit before they just like, shut it down, and it just just got working.

So I wanted to take that 200 other credit and get out there to uh Callie and see how it is closes. I've been that Callie was like Arizona I'm, so I haven't been to colleges yet but definitely a place. I want to be that's awesome Bella that Shawn, you have six, hey laughs, that's pretty dope! That's pretty good! What did you go to school for just got back from Hawaii? That's my wife and used my doubts of gold points for the flights. How many um delts are gold points? Did you use to get to Hawaii and back? Do you believe there would be another Fannie Mae situation? I tell you the truth.

As far as you see hold on something did happen. Sorry guys hold on. Do you believe there would be another another another Fannie Mae? Okay? So, to be honest with Fannie Mae um, I'm not too educated when it comes to the Fannie Mae situation with a mortgage. Tell me more about it like, what's going on with Fannie Mae in the situation with the mortgages, I'm noting Fannie Mae is for a hundred percent.

I just don't know what the situation is. Gon na be with mortgages with him. I booked my trip from Arizona in Vegas. I have sixty three thousand go about pause.

I use 90,000, that's not bad! That's not bad! You haven't been to Hawaii yeah either, but this year we're doing at least seven or eight trips up and down as life gets better we're gon na try to do more and more of timeshares, okay, yeah! So that's my that's one of my biggest acts. I go to so, if you guys don't know with Hilton we're gon na put this out there. So with the Hilton you can go to Vegas, Orlando Myrtle, Beach or Virginia, and what they'll do is they'll. Tell you to come out.

You can do this once every six months, they'll tell you to come out so to do the timeshare and, if you're in school - and you have a student ID when you get there, you're sure that you have ID and they'll cancel the presentation and you're still gon Na keep the benefits and all that good stuff, and you get to enjoy yourself every six months for like two hundred two hundred and fifty dollars. Maybe, and even if you don't have you know a student ID, you can still do this once every six months and get like a nice free trip to Vegas or was not free but very cheap. You all you that just pay for flight and, of course, don't try to sell you one a timeshare and if you don't want it and just say no and walk out, I went to business school in cosmetology nice, Oh Honolulu, nice, you, like East Coast, people better. Okay sea is more friendly down south than it is up north down.

I'm just like the uh I just when I have conversations with people here. It's a lot more challenging. Some people don't pay you in your mind. You know, I guess you know to each his own, but this is really hard down south, which is a lot.

People are like. I'm a lot more nicer. I guess that's just a southern hospitality I'll have my car loan impersonal? No for 4000 no student loans, the hospital always put in my classes - that's nice! When you book from Seattle, so they're. Typically, how much is your rate? How many miles do you spend I'm from upstate New York? People are really nice and that's awful yeah, so yeah they are five percent.

A hundred percent. I didn't know how deep New York was until I just took a road trip. I took a road trip from Philadelphia to Toronto. New York is deep.

It is like you can be in Europe for a long time and you can go from like sunny to like snow. On the same day we went from Kansas to Atlanta to Seattle. Well, that's lucky! You could probably walk to work if you wanted to as long as it's not highway miles. That's pretty awesome coming back was hot, a little 280 out of Kansas City.

Okay, it's hard because, like I got to get off the chat, but then it's like a really good conversation, I'm having with you guys so it's kind of stuck in between a heart pace, I'm kind of telling my people you got to wait a little bit longer.