How to have
A 300 Credit Score
HOW I RAISED MY CREDIT SCORE 300 POINTS IN 3 MONTHS!
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hello my love's and welcome back to my
channel it's your big sis of YouTube CC
here and today I'm going to give you
guys tips on how I raise my credit score
over 300 points in less than 3 months
when I was younger growing up and then
throughout high school transitioning to
adulthood nobody told me about a credit
score nobody told me about finances I
had absolutely no idea I was taking out
tons of credit cards and spending it on
things not realizing that I would have
to pay back the money plus interest and
just making the minimum payment would
not cover the cost and if you miss
payments eventually any bill you have
you miss payments it goes into
collections and that affects your credit
score negatively which I'm sure you guys
are all finding out or have found out
which is what brought you to this video
so I'm going to tell you guys how I
pulled myself out of a $5,000 debt you
ended up raising my credit score over
300 points in less than three months in
just quick and easy steps this video is
not sponsored in any way by any credit
company this is exactly just me getting
my life together finally at the age of
24 almost 25 realizing like I'm gonna
wanna buy a house soon and I'm screwed
the first thing you need to do is check
your credit score and get a rough
estimate ahead about where you're
sitting I use what is it called Credit
Karma I know a lot of youtubers on here
work with credit Sesame
honestly I've actually tried credit
Sesame I didn't like it
Credit Karma is where it's at it's free
to use they give you a ballpark estimate
they send you email updates when
something gets paid off when your score
goes up etc and I just prefer that one
like I said this video is not sponsored
but that's just one I prefer but you can
use any of them credit Sesame and then
once a year you can actually check your
FICO score through like TransUnion which
is the actual like company that does all
the like credit whatever and you can see
what you have so give a ballpark
estimate about what you had first
checked my score I'm gonna be completely
transparent I was sitting at 300 which
is horrible
if it goes up to about 820 or 840 sorry
there's something in my eye and for me
to be at a 300 it was like extremely
poor I had multiple bills in collections
medical bills passed previous random
invoices because you can always find a
way to owe someone money and
was me my parents we're not gonna help
me get out of it they had to struggle
through this and I wish they would at
least taught me how to be more credit
smart so that's why I'm here telling you
guys just don't do the credit card thing
don't do the credit thing don't miss any
payments if you do have the credit thing
like I could do a whole video on credit
and taking out credit cards if you guys
want to see that but just steer your
click I knew I had to do this on my own
actually of a video where I talked of
how I paid off the five thousand dollar
debt but I'm just gonna give you some
quick tips on what helps me raise my
score the first tip that I have is
anything that is in collections pay that
first and check and see if you can
actually pay not the company that it
went to collections to but the main
actual company things could take it off
your credit report faster they might
even disappear from your credit report
so for example let's say you owe money
to the doctor's office which I had a
medical bill in collections don't pay
the company who keeps contacting you pay
the actual doctor's office if you still
can if you can't then obviously pay the
collections agency but if you have a
chance to pay the doctor pay there it'll
get off your credit report faster none
of this really gets reported onto your
credit which is nice for future and like
I said sometimes it will just disappear
which is wonderful
so anything it's in collections you need
to take care of that right away and pay
that number too you need to go through
your budget you need to see where all of
your money is going each month and
anything that is unnecessary I know it's
gonna suck but it'll help you in the
long run you need to cut that off so if
you have unlimited gigabytes on your
phone and you know that you don't
necessarily need that you can constrict
yourself and sacrifice it only take
three to five gigabytes a month and cut
off that extra chunk of $30.00 do that
if it means cancelling your Netflix
subscription 20 not 20 dollars a month
it's like 10 dollars a month and you're
gonna have to stop binge watching all
your shows then do that there's always a
friend you can ask to borrow theirs and
use theirs and that will save you $10
which doesn't seem like a lot but $10 a
month going to something that is in you
know collections or a debt that you're
paying it's gonna help your credit score
so number three stocks but make payments
on your bills that are debt higher than
what you normally
make a vow to yourself maybe 10% more
maybe 20% more whatever you can do
because it will snowball and your bills
will get paid off quicker and it's
amazing I also start with the smaller
bills pay those fully off first and then
make way so the bigger bills like us
know well smaller and it gets to bigger
and then next thing you know it's like
addicting to pay off your debt once you
start you you're like wow I paid that
off next next next it's like a checklist
you really do feel accomplished but if
you can make payments higher than the
minimum payment also for other bills if
you think your payments are too high and
you really are strapped in you can call
them up and ask if you can make smaller
payments most of the time they'll let
you because they'd rather get your money
that they know and could count on
getting they're not getting paid at all
so you can call them you can work with
them you can see what you can do if
you're low income sometimes they'll
waive the bills you just have to call
and use that communication and see what
you can do
lastly this is where I come in I'm very
faith-based and spiritual but I believe
that giving will get you more and I know
that it's like psycho because so many
people think like no if I give all my
money I'm gonna have nothing but for me
I am Christian and I do believe in
tithing and tithing is giving 10% of
your monthly income or however much
incoming money you get to the church so
every time I get paid for something 10%
automatically gets ties to my tithes to
tithe to my church
I just do it online and I cannot tell
you guys the amount of blessings I have
received in return and that is me just
being 100% faithful in God that he has
got me and it's proven true for me every
time I also have a story my parents they
we I mean they're very established now
which is awesome but they had me when
they were super young and younger than I
am now and so obviously they're not
going to have their life together at 20
and so growing up we don't have a lot of
money we weren't fairly good but you
know not taught ins and my parents were
always just tithing and showed me what
it was like to tithe and they were
blessed with a lot like I kid you not
you guys a large sum of money out of the
blue for something that I'll remain I'll
keep private but and it just completely
turned their whole life around and
like it's such a testament so I believe
in tithing I believe in giving let's say
you don't want to give your money to a
church because honestly you don't you
think it's a load of crap give to people
if you see someone homeless on the side
of the road you don't have to give them
money give them a meal give them clothes
giving them something go through your
closet donate I believe that putting
good out into the world you are going to
get it in return whether you think it's
the universe whether you think it's God
whether you think it's just karma
whatever you think
give and you will receive back tenfold I
promise you
just remember it's gonna take sacrifice
it's gonna take time it's not gonna
happen overnight but once you get
started like I said it's like an
addiction that you just can't stop
paying your bills and then next thing
you know 300 points later in three
months after paying off all of your
bills and following these steps you will
feel so accomplished at your beautiful
credit score obviously a 600 is nowhere
near close to a perfect score but I
think to take it from a 300 to if six
hundred and three months is just
absolutely amazing I'm not perfect I
still slip up and I'm learning and that
is us as human beings we are learning I
hope this video helps you if it does
make sure you can get a thumbs up and
subscribe for more videos leave me a
comment and let me know any other tips
you have and I will talk to you guys in
the next video be some blessing so what
what holla'd should baby boy Bobby
