Going to give you three easy strategies: Not going to take much work, not much effort to help you build your credit score and you can literally start it today. All right. So picture this world where your credit score becomes a powerful tool, a new car, your dream home, or even that business that you want to start. but you don't have enough Capital to do so.

I'm here to tell you that world is within your reach if you're a beginner and you don't know where to start or if you're someone who's trying to rebuild. I got you my personal credit challenges I Couldn't even get a phone line in my name. Definitely couldn't go to a car dealership and try to finance a car. Definitely ain't thinking about a mortgage at that point.

If I can't even get a credit card on my name, first one is going to be secure credit cards if you watch my channel if you're watching before. Secure credit cards for me. Help me. That got me from a credit card limit of 200 on a secured credit card.

The next credit card the first unsecured credit card being ten thousand dollars I went from 200 to 10 000 maybe in about a year when it came to credit just from a secure credit card. Here's how they work: Secure credit cards are very simple. You give the financial institution money. That's what they want.

The minimum could be anywhere typically between maybe 100 to 500 depending on the bank right now. A couple of them that I like discover is a really good one definitely. And I'll put the link down below so you can check out Discover. This is not not being paid by them at all.

To talk about it, you give them a certain amount of money they put in a savings account for you. It's typically with the Discover I believe it's maybe 200 or so. And before anyone says that 200 is a lot of money. This is an investment on your future that's going to give you thousands or even hundreds of thousands of dollars in credit.

and then you get that money right back after about a year or so, so they're just borrowing it for a little bit and whatever you give them. So if you give them 200, your credit limit will be 200.. if you give them a thousand, your credit limit will be a thousand. You don't need to give them a lot of money.

Um, we unload. You know the market that we're in right now. Just give them a minimum. Just keep it simple.

Give them the minimum and whatever you give them. that's your credit limit. You cannot touch it. You cannot not use it.

You cannot use it to pay your credit card. You still have to use an additional source of income to pay your credit card bill that you have every month and you just swipe your card every month. You can do very small transactions. You don't have to do anything big.

You can literally go to your favorite fast food restaurant. You can go to the Dollar store. you can buy something for one dollar. You can go buy some gas on your commute to work and make sure when that is posted.

Let's say you spend forty dollars on gas, just hand back and full and you do that every month for maybe about a year and it gets reported every month. that not only do you have low utilization which is great, but you're also paying your bills on time. They give reported to the three credit bureaus Equifax TransUnion and experience. That's all you got to do with this one.

After about a year Discover will come back to you and said you've done a great job. It could be six months, it could be a year. It really depends when they check and they'll offer to give you your money back and keep the Line open without having any deposit any collateral. Sometimes they'll even give you a higher credit limit as well.

It's just that simple. I did mine with Wells Fargo years ago it was 200. did it for about nine months to a year. After about nine months to a year they sent me a check with my money back and they kept my line open for 200.

That second credit card that I applied for right after that with a different bank, it was an unsecured credit card. They gave me ten thousand dollars just off of one year of using a card. Very small purchases Again, doesn't have to be anything extravagant. Please don't listen to nobody else telling you it does.

The second one is going to be authorized users. Okay, authorized users are easy. I Really recommend you doing this with people that you only trust 100. Also, their credit report has to be Flawless When it comes to this credit card in particular, that means no late payments ever on this credit card.

This was never in collections, never missed. You know, a late payment meaning 30 days or more something happens to that card. It gets reported to your credit report which can negatively affect you. Now they're paying it on time.

If the balance is always low then that's great. So things to look for for these ones: Make sure the balances are always paid off before, kept very very low. No late payments or anything like that from the past or the present. not even if it's one time.

Keep it away from you, you don't want any issues and just make sure that bank reports to credit bureaus. You don't even have to have the credit card yourself if you don't want to use the credit card and just have it work. Kind of like a passive mode for you. I Did this for my brother and when he was 18 his credit score was about a 757.

all from me just putting his name and social on my credit card and me being responsible and paying it every month. That's it. The third one is going to be a credit bidder loan and if you're still with me guys, make sure you subscribe and give the video a thumbs up. I'm actually going to give you one more I'm going to give you a bonus one after this one I Think will really help you and take all this to the next level.

Now this one is slightly similar to a secure credit card, but here is the difference. Look at a credit bidder loan like a personal loan, but a traditional personal loan. You apply for the loan, they give you all of the money right away and then you pay it back Little by little. A credit Bert alone is reverse.

So what you'll do is you'll make fixed payments. It won't change, it won't be ten dollars this month and then 100 the next month. It would be fixed payments over whatever term you pick. year, two years, whatever it may be.

And let's say you apply for a thousand dollars. So what you'll do is they will hold that a thousand dollars. Okay, so and let's say you pay twenty five dollars or thirty dollars a month month for x amount of time and every month that you're paying that company that fixed payment towards that thousand dollars it gets reported to the credit bureaus as positive is good for you. It's helping you build your credit and then at the end, what happens? well you get your thousand dollars.

So not only do you make monthly payments to help build your credit, you're also in a sense giving yourself future money and it's really an awesome way. I Actually like these. There's a bunch of different companies you can look at. go on Google and type credit Builder loans and you'll be able to see the different companies that offer those and you can kind of pickle trying to make sense for you.

Like I said Guys these are very easy. but I do want to give you one more method that I think will take you to the next level. and coming from someone who's actually been there with no credit, struggling to get even a phone plan like I said prior I think this is really going to help you. So what I did was I took the last 10 years of knowledge that I've gained from the credit World from helping so many people build credit and even rebuild credit.

and I actually put that in a book. Okay, because than an e-book So For anybody who wants to take their their knowledge to the next level. I Have a lot more information in my ebook: how to establish excellent credit for beginners. This is all of My Success secrets to building excellent credit.

Definitely take advantage of it. It's also back here as well. This ebook also comes with a free audiobook. I'm going to put that in there for you guys as well.

Free Audiobook! You'll get the ebook so you can read it on like your Kindle or your cell phone or wherever you want to read it on your iPad. You'll be able to get the ebook, the audiobook and I'm also going to throw in there a free credit score tracker. So while you're following the steps in the book that are going to give you a lot more information than when I talked about in this video, you'll be able to track your progress for your credit score as well. So with these three strategies that I gave you plus the ebook that I have right here that you'll be able to get and you can click the link down below.

You can either click the storefront with Teespring or you can click the link in the bio. It's on two different websites right now so it's on Gumroad which is going to be down there in the description and you'll also have the store on the bottom of this video too. For from Spring you can click it right there. It's a great price for the amount of value that it's going to give you.

that's literally going to take the steps you learned today and take them all the way to the next level. So I'll see you guys on the other side. If you have any questions, comment them down below. Reach out to me on Instagram I Appreciate you guys I'll see you on the other side.

Thank you.