My brother just turned 18. Today we checked his credit score of a waiting for two years. He has a seven hundred and fifty three credit score. Oh, I can't even I'm so proud of him and he didn't really do much.

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So today's video, my game, my brother, is 18 years old, as of today happy birthday, little bro, I love you, it's my only brother. His name is Michael. He just turned 18 today, I'm so proud of him, but I've been waiting for this day for so long. Obviously, because you know I'm getting old now, I'm 25 he's 18, so I'm getting up there, but nonetheless it's an important day for him.

You know you're only 18 once but also we get to check his credit cuz. You know you really can't check credit after you know under 18 for that credit card right things like that, so it was crazy how you know how it happened. He was following his taxes and it he is like hey you know. Do you want to check your credit without any? You know damage to your score without any hard inquiry.

Hard inquiry is when they actually affect her score about pulling like you're important all that stuff. It was just a soft inquiry, so it's kind of just like a very quick overview of it. So I mean yeah, of course, and he clicks on it and it says seven hundred and fifty three dollars the the man, the young man just turned 18 today, and he already has a seven hundred fifty two credit score. He can go and buy a car with little to no down payment if he wanted to.

He could possibly, depending on how the bank is underwriting, buy a house within his name. He can get credit cards in his name like the American Express Platinum car at the American Express gold card, they chase off our resort card. He could possibly get these cards right now and he just turned 18 today, and this is all done with a very simple and free method. All it takes is time.

Okay, so that's number one. It's two things. The first thing it takes is: I'm sorry I'm going to give you some of the tax. Let's say I take about three or four days.

The first thing it's gon na take his time. Okay, so with American Express it's about thirteen years old, I'm gon na tell you about what it is in a minute, so I put my brother on my credit cards as an authorized user at the age of 16 years old so two years ago, exactly today, sixteen And he was my first, I would say experiment as no credit goes credit right, no credit! No, you know no history at all, starting from scratch, with nothing to 753 at age. Eighteen, ridiculous. When I first started off, I didn't have that didn't have that brother or family member or friend, or anything, to really put me on game.

That's what I call it putting me on game setting me up for success. So when I turn 18, I'm good pass it down to my heirs and just keep it going. You know, and I was happy that I was able to be the one for him to be that sacrifice to give him a better life. That makes sense, and you know his life is just beginning, but this really puts them ahead of so many other people not to brag, but I mean it truly.

Does I mean how many eighteen year olds, you know walk around with this now, if you're, one of those 16 15 18 year-olds who want to do this, you can do it too. Very simple: beat Adam Lohnes authorized users to one AFN, the rover's credit cards and I'm going to show. So the first thing is time: some banks will let you be added as an authorized user as little as age, 13 years old, and it's very easy to do. What I do what my brother was this at 16: I put them on 4 of my credit cards.

So if you're, a parent or if you want you, know, you're a boyfriend girl from want to put your spouse on game or your brother or your sister or your mother, however, you want to do it. Listen to me do not put them on our credit card as an authorized user of yours if you've had any late payments or anything what authorized user does is without them, spinning it but awesome swiping the card at all. They get all of your history, write all of your history for the duration of that car. So you've had a car for 20 years and you add your son or your daughter onto a credit card.

They had and you have awesome payment history. You have no late payments, they get 20 years of perfect one-time payments. If utilization is low, they get 20 years of low utilization. They get all that so when they turn 18 with no debt under their name and all they have really is just utilization.

Depending on what your credit card looks like you can keep utilization low they'd have no debt to zero too little utilization. I'm going to show your screen start right here, so you guys know I'm not line 753. My learn my younger brother died again. I'm so you know excited about it because you know I'm happy for him that he can really go out here and live life.

Credit is needed in this world for so many different things. I remember getting my first phone plan. I had to put a huge downpayment because I didn't have any credit. I couldn't even get unsecured credit card because I didn't have any credit.

I had to get a secured credit card. He could basically skip that he's good. He doesn't need a secured credit card. He can go, get a car with no down payment if he wants to.

So you know it's amazing, to see the results so time put them on promptly. Thirteen fourteen here's a trick make sure again you have your credit, is good, don't put them one of your credit. It was bad or you had any collections. You've had you know, miss payments or late.

It's on that credit card. Don't even do it, because now that's gon na be reflected under them, so you're doing it make sure your utilization is very low. So I had a credit card. My first credit card ever unsecured.

It was $ 10,000 credit limit. That card is always at about 1 %, so it reflects on him. That's my longest credit card with history. They reflected on him, it's always at 1 %.

I have 4 cards that are really really low in the 1 and 2 % utilizations all great in a perfect payment history which I'm blessed to say that and that helped him he didn't make he didn't. Even he didn't do anything he just literally hey bro. Give me your name give me your date of birth. I mean I was saying, do all that and give me your social I'm gon na put you on.

I'm not gon na give you access to the credit card, I'm going to be responsible by making sure I'm making payments I'm not going into collections. I'm not doing anything crazy and by me just doing that and by you literally just going about your business and that's it you're not doing anything, you're building your credit. So when you turn 18 21, whatever you have all this access to the world that I didn't have until I was about maybe 21 22, so he has an extra couple of years than I did, and you know for most for some of us maybe even fit 5, 10, 20 extra years that we have, and he has it right there at 18 from here on out it's up to him to follow through and um. You know, and I see as he's gotten older I've given him access.

So he's a he's. A part of my American Express Platinum car. He has one of the gold cards, so you know he pays it every month, all in full he's getting the flow and as they get older, give them that opportunity to prove themselves right to give them that give them the opportunity to prove themselves. They can do it too, so when they're on their own, they already know what it is you're growing then you're nurturing them you're helping them, and you guys can do it too.

If you are the authorized user or if you are the person who wants to be putting somebody on game, definitely do it so time patience, it's gon na take about six months to a year for them to really see some results and make sure you again, you Are making one-time payments the account that you're going to put them on has no type of flaw at all I mean it can have a flaw of lend some and let's say you get a credit card a month ago. You want to put them on that's okay, but what I'm talking about? No flaws at all talk about no missed payments, 30 days or more. None of that no high. You know maxed out credit cards, and none of that utilization got ta at least be 30 %.

If you're, following the credit card miles around recommendations, 10 % or lower, is always best to lower to zero the better so guys I mean. I hope this has helped you if you are 13, if you're watching this video and you have somebody who's 13, 14 and 15, and that age ranch put them on game down if you have, but if you have a spouse, who needs help, put them on game, Maybe you are the spouse, who needs help go up to your significant other? If you know they have these things and get put on game, I really think in life. I couldn't know everything in life, but if I don't make an impact of somebody else's life, I've done nothing for anybody and I've felt as a as a human. So you know again, even if this video has helped you guys out now, I'm definitely to make sure you get out there do what you got to do.

Put your family on game. These are what those wealthy families do. These are what those highly successful families do for each other. They help each other, they learn things and they give it back.

They learn things and they teach them. You know each other and again, it's 360. So if he knows something which he's a smart kid, he teaches me vice versa. It is we put each other on game and and then you know, you put others on game.

How come I'm guess I'm putting you guys on Game two with this. If we had, you know, people who are 13 or around our age go ahead and put them on as authorized users. If you have a spouse, go ahead and put them on up. You have pain in his great payment.

History go ahead, and just do all that great stuff for them they don't even have to have access to the car. If you're worrying about them spending don't give them access to the car literally put them on. Take the car cut it up, throw it away. Put it in your wallet, whatever you got to do, don't give him access to it, give it about six months to a year and watch how their credit score would drastically increase.

Now, quick disclosure. This will help them be the most significant for people who have ghost credit aka. My younger brother, Michael, didn't, have any type of flaws. His report didn't have any history.

I literally took up from zero to 753. This is probably going to be the best. If you have someone who has some, you know flaws in their accounts, my collections and medical bills. Things like that you'll see an increase, but you're not going to see that big jump from a zero to a 753 in two years, because they have things that are holding them back as opposed to somebody who just doesn't have any type of opportunity.

And you put them, give them the opportunity and they just they just blow up so guys. If you liked this video make sure you like you, share you subscribe I'll, see you guys in another video take care.