Hello, everyone and welcome back to a new video sean's, a name and today we're talking credits. Now i've been searching around for a new solution that does credit monitoring, credit, repair and credit boosting and while there's a bunch of great services and products out on the market. That does each of those things it's very hard to find something that does all three and, most importantly, for a cheap and affordable price. Until now, i just found a new tech solution that has absolutely blown my mind recently and i had to make a video to tell you about it.

So, let's do it okay, so i've made a bunch of videos on this channel about credit, and if you haven't seen those already, you need to okay things like what makes up your credit score: how to quickly boost your score overnight. Maybe why your scores would differ from a credit app like credit karma to what a mortgage lender or a car dealership is going to pull. So if you haven't seen those videos, i will leave a link to the playlist down below super important for you to check out, but the platform that i'm going to show you today is called score master and it does some absolutely incredible things that i'm going to Show you literally firsthand now i know you're all going to be seeing these features and thinking sean said affordable at the beginning of the video. But the odds are this thing is going to be way out of my price range, so i want to nip the cost or the price right in the butt, so you can have an open mind as you learn about these features prior to making this video.

I actually reached out to scoremaster and said: hey, i really like your product, i'm going to promote it and talk about it on my channel. Can you give my subscribers the homie hookup and they did so? I got ta say thank you so much to score master, because if you click the link in the description and sign up through that link, you get a couple of things one. You can actually try the platform out for seven days. You get a seven day trial for only a single dollar, then, if you're like holy cow uh, this is actually pretty amazing and i want to continue to use this.

Then i think it's only 22.95 with that link. Otherwise, if you don't use the link, i want to say it's like 30 or like 28 a month or something like that. So definitely saves you a couple bucks every single month. If you do plan on using it - and i would personally recommend using it - because i personally use it - and i'm gon na actually show you my personal credit score today, you know i'm all about transparency on this channel and a lot of people actually ask me, like Sean, why do you pay for credit monitoring if you're a mortgage lender, and you can just check your score at any point? Well, if i do check my score, one, it's going to be more expensive than actually credit monitoring is and then two credit monitoring saves me.

Hundreds of thousands of dollars in interest when i go to get a new mortgage for one of my personal properties or go get a new property, because that higher credit score. That i have is going to save me so much in interest. And if i can get ahead of it and go oh no, i got a credit alert or something on my monitoring says: hey your score. Dropped 20 points.

Well, i need to take action now right when that alert happens to where, when i go to buy a new property, my score is already re-improved to where i need it to be to get the lowest interest rate possible so, like 20-ish bucks a month for credit Monitoring is a no-brainer and it's actually more important to me than like a netflix subscription or something like that got ta make those money moves instead of those couch moves. You know what i mean: anywho you're, probably like shawn. What does the software actually do? Okay, let's jump in and actually check out what score master actually does. Oh we're also going to be looking at a test account that score master set up for me to show off a lot of the features, because my personal account didn't have much on it, which again i'm going to show you in just a little bit.

So, let's check out the test account first, so once you verify your identity and link your credit up to your account you're, going to see what your current score is in real time, all right you'd see what actions you can take to repair and build your score And honestly, this is the most impressive feature out of the entire thing that i cannot wait to actually dive in and show you more about, but you can also see what kind of things you can do to quickly boost your score. In addition to those main features, you can actually see where your score ranks, along with generating a full-blown credit report, which is huge. You can actually do that once a month on there, and i highly recommend doing that. Maybe just before you plan on buying a new car buying a home, something like that, so you can actually see a legit full-blown report.

Plus you can link up your accounts with the money manager to have everything, sync and work together as one cohesive unit. Then, if that was enough, i think there's like a one million dollar identity, fraud insurance that you get with it, which is kind of an added bonus, and i want to dive into more specifically how each thing works. So, let's start with the score track. This is going to show you what your score is in relation to each industry, so you can dive into each sector and see what companies or services care about what and where you rank and what it's made up of and how it might affect you.

This is super helpful because i get people coming to me all the time and they're like sean. I've got a 680 and i'm like okay and i get a report and it's like a 620.. I'm like hey a little bit of a discrepancy here. So it's important to actually look at the scoring model that each industry actually uses because they're all different, so score.

Tracker is dope because you see all this data and you can actually start to track it over time, as you continue to use the software, but the next thing i want to show you, because i want to save the best for last, is i want to show You the score boost range, so this shows how your spending can drastically boost your score immediately or even how quickly it can hurt your score. It's going to link up all your accounts and allow you to pretty much play with the numbers to see how much money it will take you to get your score where you need it to be. This is like very, very, very unique. Okay, most of the time you have to go to an actual lender, who then runs a credit simulator, which is very similar to this.

You can actually do that on your own with scoremaster, which is almost one of the first kind of platforms or technology stacks that i've actually seen on a consumer side. That does it really well most of the time you have to come to me or another mortgage lender or an auto financer or someone like that, and they can run a um. You know a score module for you and let me give you like a little bit of example. Okay, so this test account has a 639 credit score and if you move the slider to the right, it'll show what your score could be.

After lowering your credit utilization - and it's also, which is super cool sorted by the fastest achievable points which is incredibly important, sometimes you can put tons of money down on a single credit card to pay it down, and it doesn't really do too much to your credit Score versus other times, you can put maybe a hundred dollars on a different credit card and it does wonders for your score. So that's super cool and i love that feature and then on the flip side, you can also see what would happen to your score. If you had a big bill coming up, that would require you to spend more on your credit cards. It shows you which cards are the best ones to use that money for and how much your points will go down.

So there's lots of cool stuff in the score boost module and while it's not 100 intuitive, because there are other things you can do to boost your score. Like some of the videos i've made on this channel, it does give you a good idea on how you can play with your credit card balances versus what it's going to do to your overall score. So a big fan there. But the thing i am the biggest fan of and hands down, one of the coolest features of the entire thing is the credit builder.

If your credit score is really low and i consider a low credit score of something like 620 or below. But if you have a low credit score, you've probably looked in a credit repair. You've, probably learned the cost of credit repair, it's very expensive, it's hundreds and hundreds of dollars, um. So the features i'm going to show you or that you're able to do within this software is so cost effective in relation to credit repair, oh and if you haven't looked into credit repair, then the reason it's so expensive is because it is so dang time consuming, Whereas this tech solution offsets a lot of that, so you can go through the score builder and pretty much see what kind of score you can expect to achieve by cleaning up your report.

So it'll show you what makes up your score and what you might want to focus on. First then, it shows you what is helping your score and what is hurting your score. Then, once you have a decent idea of your report and what might be needed, it literally gives you actionable items that you can do right then, and there so let's say: there's a late payment or two on a mortgage that you know you paid on time for An absolute fact - and you think, hey, maybe the creditor, made a mistake on this. That does happen and it's fairly common.

You can fix that by selecting this button on that account, then selecting your reasoning from the drop down, maybe editing the text box. If you wanted to to maybe like explain the situation further and then you hit next and confirm, the system is literally going to send a letter to the creditor in the mail on your behalf about fixing that problem. I never seen anything like that. Super freaking cool and, of course it's gon na take time to actually you know for that mail to get to the creditor for the creditor to review it for the creditor to maybe make a change on your report then to see your score boost, but you can Track all of that from your portal, if the credit bureaus don't want to come to the 21st century, then the tech and the solutions are going to do it.

For you, everything from the creditors always has to be by snail mail or some horrible way of communicating, but by being able to not even have to get a piece of paper write it down, do anything like that and it literally gets sent to the creditor for You with the correct verbiage, that's needed, i love it. I honestly just love it, but that's not even it. So that's just one specific scenario of hey the creditor. I think didn't you know report this correctly.

There are so many other reasonings and letters you can send about. What's going on with your report to get your credit repaired and fixed and getting things removed and maybe getting other personal details removed from your report? That's been on there for a while, i mean there's so many things from within the score builder um that you can do to actually repair your credit that otherwise would have taken you hours or cost you hundreds of dollars and, of course, technology and landscapes are constantly Changing for different products and things out there so while something might be a better solution than scoremaster in the future as of right now, i don't really see any other product on the market that can do what scoremaster can do at the price point that it can Do it at so, if you know of something that does, i would love for you to send it my way, because i'm always learning and finding that next best thing um. But as i promised, i am going to log into my personal account and show you what mine looks like so you can know that. I'm not just talking the talk here.

I am actually walking the walk and i love using a credit monitoring service. So here's what the system says my score is as of right. Now i don't have any derogatory marks or anything like that. So, there's nothing to repair, there's not really a whole lot to play around with on my kind of credit slider, because i don't really have too many accounts on there.

My utilization is incredibly low. I pay everything off very quickly. Um, the privacy master is a cool thing to kind of check out. All these other benefits are really sick.

I personally just like it, though, just to have that monitoring ready at any moment. For me definitely, my daily driver. You should make it your daily driver as well. Again, i will leave the link down below for you to save some money.

It's only a dollar to try the um the little seven day test run out that they have otherwise, i think it's 22.95 with that link. So if you're looking for credit monitoring or you need to repair your credit, you definitely should at least start with this as you repair and build things. Um then, going and spending hundreds of dollars on a credit repair service, because this is just so dang cheap but anywho. That's how you can fix your credit score instantly for very, very cheap with the use of technology.

I hope you found the video helpful if you did please please. Please hit that like button comment down below your thoughts or maybe any questions you might have i'd love to help you out with that and definitely share the video with a friend, okay, friends. Don't let friends have bad credit, alright share the video with a friend who needs some help with credit, or maybe just with someone who wants a very cheap credit monitoring solution or someone - that's always very dialed in and in tune with their credit score. I guarantee this.

Can help them otherwise, again, i hope you enjoy the video and i will see you in the next one: bye.