Lets answer the question: How to fix a bad credit score FAST, and the best techniques you can use to improve your credit score as quick as possible, for totally free - Enjoy! Add me on Instagram: GPStephan
The YouTube Creator Academy:
Learn EXACTLY how to grow an audience, rank videos on the front page of searches, build your brand, and turn that into another income source: https://bit.ly/2STxofv $100 OFF WITH CODE 100OFF
Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1000): https://act.webull.com/k/Vowbik9Tm5he/main
My ENTIRE Camera and Recording Equipment:
https://www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB
My second channel:
http://www.youtube.com/c/thegrahamstephanshow
HOW TO GET AN 800 CREDIT SCORE: https://youtu.be/Vn9ounAgG3w
HOW TO BUILD YOUR CREDIT: https://youtu.be/ukaWAjgkH9M
FIRST: pull your credit report and figure out WHAT’S bringing it down.
CreditSesame.com was one of the websites that recently sponsored one of my last videos, and even though they’re not sponsoring this video, they’re a fantastic service and I use them myself.
Once you have you’re report - you’re going to review it to see what’s bringing DOWN your score, and typically it’s going to be one of the following:
-One, maybe you don’t have ENOUGH credit
-Two, maybe there are late payments
Three, accounts in collections
Four, maxed out accounts
Fifth, bankruptcies or foreclosures
To fix late payments:
-Pay it off as soon as possible.
-Try to negotiate the terms of the debt and see if they can adjust your account status back to current.
-Ask if they can remove the late payment as a courtesy
-Look for inaccuracies and dispute it
To fix accounts in collections:
-Dispute any errors or inaccuracies
-Ask the lender to validate the debt
-Negotiate to pay off the collections in exchange for removing the account in collections*
-Dispute the charge once paid - if they cannot prove the debt, it’ll get removed*
*Use at your own risk
To fix maxed out accounts:
-Pay down your credit card(s) or loans
-Get more credit to lower your utilization
-BE RESPONSIBLE WITH THIS
To fix Bankruptcy and Foreclosures:
-It’s very difficult to do
-Dispute any errors or inaccuracies
-Improve everything else to lessen the impact of this
And THAT is exactly how you can FIX a bad credit score, entirely on your own, without paying a third party company to do it for you. The process is fairly simple, it shouldn’t take too long, and the increase in your score should help save you a TON of money in future loans you get, mortgages you borrow, or even just getting approved to rent an apartment - the benefits from doing this are immeasurable.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness @gmail.com
The YouTube Creator Academy:
Learn EXACTLY how to grow an audience, rank videos on the front page of searches, build your brand, and turn that into another income source: https://bit.ly/2STxofv $100 OFF WITH CODE 100OFF
Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1000): https://act.webull.com/k/Vowbik9Tm5he/main
My ENTIRE Camera and Recording Equipment:
https://www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB
My second channel:
http://www.youtube.com/c/thegrahamstephanshow
HOW TO GET AN 800 CREDIT SCORE: https://youtu.be/Vn9ounAgG3w
HOW TO BUILD YOUR CREDIT: https://youtu.be/ukaWAjgkH9M
FIRST: pull your credit report and figure out WHAT’S bringing it down.
CreditSesame.com was one of the websites that recently sponsored one of my last videos, and even though they’re not sponsoring this video, they’re a fantastic service and I use them myself.
Once you have you’re report - you’re going to review it to see what’s bringing DOWN your score, and typically it’s going to be one of the following:
-One, maybe you don’t have ENOUGH credit
-Two, maybe there are late payments
Three, accounts in collections
Four, maxed out accounts
Fifth, bankruptcies or foreclosures
To fix late payments:
-Pay it off as soon as possible.
-Try to negotiate the terms of the debt and see if they can adjust your account status back to current.
-Ask if they can remove the late payment as a courtesy
-Look for inaccuracies and dispute it
To fix accounts in collections:
-Dispute any errors or inaccuracies
-Ask the lender to validate the debt
-Negotiate to pay off the collections in exchange for removing the account in collections*
-Dispute the charge once paid - if they cannot prove the debt, it’ll get removed*
*Use at your own risk
To fix maxed out accounts:
-Pay down your credit card(s) or loans
-Get more credit to lower your utilization
-BE RESPONSIBLE WITH THIS
To fix Bankruptcy and Foreclosures:
-It’s very difficult to do
-Dispute any errors or inaccuracies
-Improve everything else to lessen the impact of this
And THAT is exactly how you can FIX a bad credit score, entirely on your own, without paying a third party company to do it for you. The process is fairly simple, it shouldn’t take too long, and the increase in your score should help save you a TON of money in future loans you get, mortgages you borrow, or even just getting approved to rent an apartment - the benefits from doing this are immeasurable.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness @gmail.com
How about closed accounts?
Super helpful! Thank you
This is all obvious known information to most people, only the totally unaware person will benefit from this information.
I destroyed the LIKE button and now I can no longer click on it
Yuri hacks 😂
I just get items deleted by photoshopping deletion letters and sending them to the credit bureaus. Works every time!
You gotta have good credit!
Useless information
Skip the first half and start at the middle to get the actual solution
Does this model work in Canada
Thanks for the info
Love this great job appreciate it
Graham Stephan……I don't have bad credit…I have no credit. No hard inquiries…no charge offs…no nothing. What do I need to do to start building credit? Thank you.
Mine is 500 😔
WeBull is a casino abuse it’s bonuses and cash out
So, I have a lot of credit card debt. Im now finally making money to realistically pay it off within in a year. Any chance you know how much my score will rise? My credit is in fair-good. The only negative thing on my credit report is how long I’ve had the debt and the percentage of loan being used.. never been late on anything. Had 21,000 in debt… down to 16,000 now.
I’m having a hard time finding out the account numbers on my accounts does anyone know a website where I could check them?
Thanks to BAGPUSHER I’m able to use the clone card I bought from him to cash out. Never thought I could came across someone like him. He’s incredible
Audenspark is the best
Thanks
Write them a letter and ask to remove it 🤣🤣🤣🤣🤣🤣
lexington law has been a legit waste of time for me and my family. I've had tried different repair companies all to no avail untill i was referred to SolutionX and i'm grateful. I was a little below 600 but now I’m up 830 within a week,thanks to the agency expertise, my student loans,bankruptcy, business loan were also taken care of,thier Google chat info are 🎉SolutionXcatalyst
lexington law has been a legit waste of time for me and my family. I've had tried different repair companies all to no avail untill i was referred to SolutionX and i'm grateful. I was a little below 600 but now I’m up 830 within a week,thanks to the agency expertise, my student loans,bankruptcy, business loan were also taken care of,thier Google chat info are 🎉SolutionXcatalyst
What is your feeling about signing up with a service like Extra. I have a debit card with Bank of America. I do not understand the advantage of using a Next debit card if I already have something set up with my bank. I hope you review these messages and can respond.
Great video! I have a question, I have two fraud inquiries on my reports that I would like to get removed. I've seen your video regarding this, but Im still a bit confused. So I know my first step would be making a call with the credit bureau (Experian) but should I also make call what time? And would I be never stop sending a good compny COGNITIVE HACKS to my friends and people I know regarding any credit situations
I stumbled across your video and instantly knew this was made for me. I'm going through the same thing with my business but just knowing that I'm not the only one who's experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude sir and Web back doors was so helpful during the process of boosting my credit COGNITIVE HACKS .