WEBVTT - Establishing Credit at a Young Age Set Your Kids up Right 0:00:00.040 --> 0:00:03.600 An illegal alien from Guatemala charged with raping a child 0:00:03.680 --> 0:00:07.480 in Massachusetts. An MS thirteen gang member from Al Salvador 0:00:07.720 --> 0:00:11.840 accused of murdering a Texas man of Venezuelan charged with 0:00:11.920 --> 0:00:15.840 filming and selling child pornography in Michigan. These are just 0:00:15.920 --> 0:00:19.680 some of the heinous migrant criminals caught because of President 0:00:19.720 --> 0:00:23.320 Donald J. Trump's leadership. I'm Christy nom the United States 0:00:23.320 --> 0:00:28.120 Secretary of Homeland Security. Under President Trump, attempted illegal border 0:00:28.160 --> 0:00:31.680 crossings are at the lowest levels ever recorded, and over 0:00:31.760 --> 0:00:34.960 one hundred thousand illegal aliens have been arrested. If you 0:00:35.040 --> 0:00:38.920 are here illegally, your next you will be fined nearly 0:00:39.000 --> 0:00:43.000 one thousand dollars a day, imprisoned, and deported. You will 0:00:43.040 --> 0:00:46.680 never return. But if you register using our CBP home 0:00:46.720 --> 0:00:50.120 app and leave now, you could be allowed to return legally. 0:00:50.479 --> 0:00:55.240 Do what's right. Leave now. Under President Trump, America's laws, 0:00:55.400 --> 0:00:57.840 border and families will be protected. 0:00:57.920 --> 0:01:00.000 Sponsored by the United States Department of Homeland Security. 0:01:00.160 --> 0:01:02.960 There's the importance of having credit at a young age. 0:01:03.000 --> 0:01:05.800 Like you said, one of those factors is the credit age, right, 0:01:05.880 --> 0:01:08.640 and so if we're getting credit at twenty twenty three 0:01:08.680 --> 0:01:11.319 years old, we've missed some years that we actually could 0:01:11.360 --> 0:01:13.840 have to talk about the importance of establishing credit at 0:01:13.840 --> 0:01:16.600 a younger age, maybe talk about authorized users and things 0:01:16.600 --> 0:01:16.959 like that. 0:01:17.040 --> 0:01:17.240 Yeah. 0:01:17.280 --> 0:01:22.199 Absolutely, So for the parents out there, I recommend every parent, 0:01:22.240 --> 0:01:24.360 if you can, if you have a credit card that 0:01:24.440 --> 0:01:26.320 you know you're not going to you know, pay later 0:01:26.400 --> 0:01:29.200 or whatever, and with good history, I recommend to add 0:01:29.240 --> 0:01:31.560 your child at no later than seventeen. 0:01:31.959 --> 0:01:32.039 Now. 0:01:32.440 --> 0:01:34.280 Now, if your child is eighteen, obviously you can add them. 0:01:34.280 --> 0:01:38.480 But adding your child from the ages of sixteen through 0:01:38.520 --> 0:01:42.200 seventeen will set them up for when they turn eighteen, 0:01:42.240 --> 0:01:45.360 they'll already have an established credit profile. Most people don't 0:01:45.360 --> 0:01:48.120 realize that you do not have a FYCO score just 0:01:48.160 --> 0:01:50.560 because you turned eighteen. You have to have six months 0:01:50.600 --> 0:01:53.800 of credit history with at least two accounts before FICO 0:01:53.960 --> 0:01:55.200 will issue. 0:01:54.920 --> 0:01:55.760 You a credit score. 0:01:55.880 --> 0:01:59.000 Right, So, as opposed to just starting at eighteen and 0:01:59.040 --> 0:02:01.400 building your own credit, if you have a parent, a 0:02:01.440 --> 0:02:03.840 responsible parent that will put you on their credit card 0:02:04.280 --> 0:02:06.760 prior at least six months prior to your eighteenth birthday, 0:02:07.280 --> 0:02:10.000 you'll already start off, you know, a little ahead of 0:02:10.040 --> 0:02:11.960 the pack, right, so, as opposed to getting those entry 0:02:12.000 --> 0:02:15.400 level credit cards. Sometimes you can get quality offers because 0:02:15.680 --> 0:02:17.519 it's really easy to get a seven hundred credit score, 0:02:17.560 --> 0:02:20.079 especially if you have no collections or you haven't messed 0:02:20.160 --> 0:02:22.040 up your credit yet, it is super easy to get 0:02:22.040 --> 0:02:26.480 seven hundred. So adding, if you have the opportunity to 0:02:26.480 --> 0:02:30.200 be an authorized user on a family member's card and 0:02:30.360 --> 0:02:32.600 if you share an address with them, it's better because 0:02:32.639 --> 0:02:37.160 nowadays the anti abuse laws affects out effects trade lines 0:02:37.680 --> 0:02:40.400 authorized users, and so if you have the same address 0:02:40.480 --> 0:02:42.880 or the same last name, you'll be more credited for 0:02:42.919 --> 0:02:46.079 those accounts right or for the yeah, for the authorized 0:02:46.120 --> 0:02:50.000 user accounts setting once you turn eighteen though, because this 0:02:50.040 --> 0:02:52.600 is the mistake a lot of parents make. They'll put 0:02:52.600 --> 0:02:55.120 their child on their credit card at like fifteen, sixteen, whatever, 0:02:55.200 --> 0:02:57.800 and then whenever they turn eighteen, the child will have 0:02:57.840 --> 0:03:01.360 like a seven hundred credit score, and as opposed to 0:03:02.639 --> 0:03:04.920 making the child or having the child apply for their 0:03:04.960 --> 0:03:09.360 own accounts, they just kind of lean on lian on 0:03:09.440 --> 0:03:12.240 mom's card or mom's credit history and think that it's 0:03:12.320 --> 0:03:14.480 going to take them far. And that's where they run 0:03:14.480 --> 0:03:16.760 into the situation of having a high credit score but 0:03:16.800 --> 0:03:19.920 not a lot of credit, not a worthy credit credit 0:03:20.000 --> 0:03:23.360 borrow wing right, So you need to make sure that 0:03:23.440 --> 0:03:26.080 when that child turns it turns eighteen. Like on my 0:03:26.200 --> 0:03:28.600 children on their eighteenth birthday, we're going to be applying 0:03:28.600 --> 0:03:31.440 for a credit card on their eighteen birthday. Because the earlier, 0:03:31.639 --> 0:03:35.360 the earlier, the better. Apply for a credit card. Please 0:03:35.440 --> 0:03:37.440 apply for a credit card before a student loan. That's 0:03:37.520 --> 0:03:40.800 just like a side note, that's one of the things, 0:03:40.800 --> 0:03:42.200 that's one of the mistakes that I wish that I 0:03:42.200 --> 0:03:45.280 can catch with a lot of people. Having a credit 0:03:45.360 --> 0:03:48.840 card be your first established account. Your credit age is 0:03:48.960 --> 0:03:51.720 going to be reliant on that account. The great thing 0:03:51.760 --> 0:03:54.080 about credit cards is they can be open forever. Like 0:03:54.520 --> 0:03:57.240 there is no end date to a credit card unless 0:03:57.280 --> 0:03:59.400 you choose to close the card or the bank chooses 0:03:59.440 --> 0:04:02.000 to close the car. Whereas a loan, every loan has 0:04:02.000 --> 0:04:05.640 a term date. Every loan will end eventually. So when 0:04:05.640 --> 0:04:08.480 your credit age is based on a loan, once that 0:04:08.640 --> 0:04:12.440 once that account closes, yeah, yeah, your credit is going. 0:04:12.400 --> 0:04:13.400 To be affected drastically. 0:04:13.440 --> 0:04:15.560 Right. So if you have your first established account as 0:04:15.560 --> 0:04:17.919 a credit card, that's sort of like a safety blanket 0:04:17.960 --> 0:04:21.840 for your credit age. And so make sure at eighteen 0:04:21.920 --> 0:04:23.360 apply for a card. It could be a It can 0:04:23.400 --> 0:04:25.880 be a secure card, it can be a subprime card. Whatever. 0:04:26.040 --> 0:04:28.919 Apply for a credit card and then start to build 0:04:28.920 --> 0:04:31.520 your own credit history because authorized users can only take 0:04:31.560 --> 0:04:33.040 you so far, and not very far. 0:04:33.080 --> 0:04:34.200 Nowadays, it's a quick fall. 0:04:34.279 --> 0:04:36.200 Because you did bring up closing cards, and I know 0:04:36.240 --> 0:04:37.840 a lot of people as they're trying to fix their 0:04:37.880 --> 0:04:39.960 credit like, all right, well I paid it off, let 0:04:40.000 --> 0:04:43.760 me close it. About how that could negatively affect. 0:04:44.839 --> 0:04:45.360 Yeah, it could. 0:04:46.360 --> 0:04:48.520 My rule of thumb when it comes to closing credit 0:04:48.520 --> 0:04:50.960 cards is if you have if the credit card has 0:04:50.960 --> 0:04:54.560 an annual fee and you're not getting any increases and 0:04:54.760 --> 0:04:57.880 the it's just not worth it to keep it. There 0:04:57.920 --> 0:04:59.800 will be there will come a time where you'll probably 0:04:59.839 --> 0:05:02.279 want to close that card. When you close that card 0:05:02.320 --> 0:05:03.039 is super important. 0:05:03.120 --> 0:05:03.599 Number one. 0:05:03.720 --> 0:05:07.440 If you are applying for anything, any large purchase like 0:05:07.480 --> 0:05:09.880 a car or home within the next six months, it's 0:05:09.920 --> 0:05:11.000 not the time to close that card. 0:05:11.040 --> 0:05:13.720 Close it after you get your car, your home, whatever. 0:05:14.800 --> 0:05:16.479 The only time I would suggest you closing the credit 0:05:16.520 --> 0:05:18.320 card is if you if you know, like I said, 0:05:18.360 --> 0:05:22.440 six months free of any applications, and also make sure 0:05:22.440 --> 0:05:26.359 that you have another card before you close that card, 0:05:26.600 --> 0:05:28.520 Like do not like I see people all the time 0:05:28.560 --> 0:05:30.640 like I just hate this card, I want to close it, etc. 0:05:30.960 --> 0:05:32.799 And it's just like that's going to do more harm 0:05:32.839 --> 0:05:35.320 than good. I have a two hundred dollars Capital one 0:05:35.320 --> 0:05:38.320 card that I've had since college. That card is still open. 0:05:38.360 --> 0:05:40.360 I haven't gotten an increase in years. I don't even 0:05:40.480 --> 0:05:42.760 care to use the card. I keep it open. Specifically 0:05:42.760 --> 0:05:47.080 because credit age. An aged credit card is the most 0:05:47.080 --> 0:05:49.080 beneficial thing that you can have on your credit report, 0:05:49.320 --> 0:05:52.120 that like the most and it's one of those things 0:05:52.160 --> 0:05:54.880 that's like the gift that never never stops giving because 0:05:55.320 --> 0:05:57.560 every single three to six months that a car ages, 0:05:57.920 --> 0:06:00.680 it's going to add more to your credit and also 0:06:00.760 --> 0:06:03.920 your fical points. So keep that in mind. 0:06:03.960 --> 0:06:07.120 So don't earners, what's up. You ever walk into a 0:06:07.120 --> 0:06:10.880 small business and everything just works like the checkout is fast, 0:06:10.880 --> 0:06:14.680 the receipts are digital, tipping is a breeze, and you're 0:06:14.720 --> 0:06:17.400 out the door before the line even builds. Odds are 0:06:17.920 --> 0:06:21.479 they're using Square. We love supporting businesses that run on 0:06:21.520 --> 0:06:24.279 Square because it just feels seamless, whether it's a local 0:06:24.320 --> 0:06:27.200 coffee shop, a vendor at a pop up market, or 0:06:27.240 --> 0:06:30.400 even one of our merch partners. Square makes it easy 0:06:30.440 --> 0:06:33.640 for them to take payments, manage inventory, and run their 0:06:33.680 --> 0:06:37.680 business with confidence, all from one simple system. 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Let's Square handle 0:07:07.640 --> 0:07:11.520 the back end so you can keep pushing your vision forward. 0:07:13.920 --> 0:07:16.160 This episode is brought to you by P and C Bank. 0:07:16.560 --> 0:07:19.320 A lot of people think podcasts about work are boring, 0:07:19.520 --> 0:07:23.360 and sure, they definitely can be, but understanding a professionals 0:07:23.440 --> 0:07:26.720 routine shows us how they achieve their success little by little, 0:07:27.080 --> 0:07:30.720 day after day. It's like banking with P and C Bank. 0:07:31.200 --> 0:07:34.000 It might seem boring to save, plan and make calculated 0:07:34.040 --> 0:07:37.120 decisions with your bank, but keeping your money boring is 0:07:37.160 --> 0:07:40.480 what helps you live a more happily fulfilled life. P 0:07:40.600 --> 0:07:45.440 and C Bank brilliantly Boring since eighteen sixty five. Brilliantly 0:07:45.480 --> 0:07:48.120 Boring since eighteen sixty five is a service mark of 0:07:48.160 --> 0:07:51.400 the PNC Financial Service Group, Inc. P and C Bank 0:07:51.800 --> 0:07:54.000 National Association Member FDIC. 0:07:55.760 --> 0:07:59.360 An illegal alien from Guatemala charged with raping a child 0:07:59.440 --> 0:08:03.280 in Master An MS thirteen gang member from Al Salvador 0:08:03.520 --> 0:08:07.640 accused of murdering a Texas man of Venezuelan charged with 0:08:07.720 --> 0:08:11.600 filming and selling child pornography in Michigan. These are just 0:08:11.720 --> 0:08:15.480 some of the heinous migrant criminals caught because of President 0:08:15.520 --> 0:08:19.040 Donald J. Trump's leadership. I'm Christy Noman, the United States 0:08:19.120 --> 0:08:23.920 Secretary of Homeland Security. Under President Trump, attempted illegal border 0:08:23.920 --> 0:08:27.480 crossings are at the lowest levels ever recorded, and over 0:08:27.560 --> 0:08:29.800 one hundred thousand illegal aliens. 0:08:29.360 --> 0:08:30.200 Have been arrested. 0:08:30.480 --> 0:08:34.040 If you are here illegally, your next you will be 0:08:34.080 --> 0:08:37.960 fined nearly one thousand dollars a day, imprisoned, and deported. 0:08:38.400 --> 0:08:41.640 You will never return. But if you register using our 0:08:41.679 --> 0:08:44.880 CBP home app and leave now, you could be allowed 0:08:44.920 --> 0:08:49.880 to return legally. Do what's right. Leave now. Under President Trump, 0:08:50.040 --> 0:08:53.640 America's laws, border and families will be protected. 0:08:53.720 --> 0:08:56.160 Sponsored by the United States Department of Homeland Security, I'll. 0:08:56.000 --> 0:08:59.080 Close the car, and unless you have to, if you 0:08:59.080 --> 0:09:01.320 have a car that you don't use, put a subscription 0:09:01.400 --> 0:09:04.680 on it. I have Netflix, like use one, use pick 0:09:04.679 --> 0:09:06.959 one of your subscriptions that you probably have coming out 0:09:06.960 --> 0:09:09.880 of your bank account. Assign those to each of you know, 0:09:09.920 --> 0:09:12.440 each of your credit cards so that it can have usage, 0:09:12.440 --> 0:09:15.840 so the bank will not close it due to non usage. 0:09:16.120 --> 0:09:19.200 So what about putting your child on the credit card? 0:09:19.480 --> 0:09:21.520 Yes, as a child, Yeah, for I. 0:09:21.880 --> 0:09:24.440 So the one of the things that people think that 0:09:24.720 --> 0:09:26.480 makes some difference is if they add their child at 0:09:26.480 --> 0:09:29.880 like twelve or thirteen. That doesn't make it regardless if 0:09:29.920 --> 0:09:31.360 you add your child at twelve or if you add 0:09:31.360 --> 0:09:34.120 them at seventeen, it will not make a difference in 0:09:34.200 --> 0:09:36.320 terms of the effect that it will have on their 0:09:36.360 --> 0:09:37.040 credit reports. 0:09:37.040 --> 0:09:38.120 That's a misconception. 0:09:38.240 --> 0:09:42.280 However, me personally, I would suggest, like I said, adding 0:09:42.280 --> 0:09:45.120 your child at like seventeen when you when someone asks 0:09:45.120 --> 0:09:47.439 their child at thirteen, to me, it just that's a 0:09:47.720 --> 0:09:51.439 that's that's what seven years seven eight years until they 0:09:51.480 --> 0:09:54.200 turn eighteen, and that's a lot of room. It leaves 0:09:54.200 --> 0:09:55.839 a lot of room open for a mistake. What happens 0:09:55.840 --> 0:09:57.240 if you get a lay payment on their card, and 0:09:57.280 --> 0:10:00.560 now your child's credit will be a f before they 0:10:00.559 --> 0:10:04.400 can even establish credit. So we never know what can happen, right, 0:10:04.440 --> 0:10:08.800 so I just for I just recommend, like I'll personally, 0:10:08.840 --> 0:10:11.240 I'm adding my children at one day turn seventeen. As 0:10:11.240 --> 0:10:13.400 long as you have six months before they turn eighteen, 0:10:13.559 --> 0:10:14.319 they're fine. 0:10:14.559 --> 0:10:18.280 I was a beneficiary of that, so I was added 0:10:18.320 --> 0:10:20.240 to my mom's I told the story before, but I 0:10:20.280 --> 0:10:24.240 was added to my mom's American Express card at six seventeen. 0:10:24.800 --> 0:10:26.440 And so now even when I get the cards, it'll 0:10:26.480 --> 0:10:28.559 say members since eighty five, even though I was born 0:10:28.600 --> 0:10:31.760 in eighty two, but my credit history goes back that far, 0:10:31.840 --> 0:10:34.520 so it's over thirty seven years. So every time I 0:10:34.559 --> 0:10:37.280 get a new card, it gets averaged into that. Yeah, 0:10:37.400 --> 0:10:39.360 so I think when I mean that's a blessing, it 0:10:39.440 --> 0:10:41.520 was a blessing, and that it's still a blessing. Actually 0:10:41.559 --> 0:10:43.440 I still have the card because I just want that 0:10:43.559 --> 0:10:46.520 history because sure that thirty seven years plus a one 0:10:46.600 --> 0:10:50.240 they average, it makes it like sixteen years of credit age. 0:10:50.280 --> 0:10:51.880 So I'm like that works perfectly. 0:10:51.960 --> 0:10:55.440 In American Express is a huge relation bank like indeed, 0:10:55.559 --> 0:10:58.360 man having a long stand of relationship with them, you 0:10:58.400 --> 0:10:59.120 can get anything. 0:10:59.520 --> 0:11:00.400 This is true. 0:11:00.800 --> 0:11:03.400 But we talked about the number seven hundred, and it's key, 0:11:03.640 --> 0:11:05.600 and I don't want people to you know, some people 0:11:05.640 --> 0:11:08.000 may not have seven hundred, but it feels like that's 0:11:08.040 --> 0:11:11.040 the goal. But there are people like, what are the 0:11:11.160 --> 0:11:13.920 numbers that in the range that people should be trying 0:11:13.920 --> 0:11:15.319 to get to seven hundred. 0:11:15.080 --> 0:11:17.160 Seven to fifty? I know we got some eight fifties 0:11:17.200 --> 0:11:17.600 out there. 0:11:18.000 --> 0:11:18.360 Yeah. 0:11:18.400 --> 0:11:22.079 So I'm a little different when it comes to credit scores, right, 0:11:22.120 --> 0:11:24.880 because I know the scoring model and how much your 0:11:24.920 --> 0:11:29.320 credit profile matters. Most people don't believe me when I 0:11:29.360 --> 0:11:32.160 say I had over one hundred thousand dollars in credit 0:11:32.160 --> 0:11:34.520 card limits before my score was seven hundred, right, And 0:11:34.559 --> 0:11:37.080 it was simply because I learned how to set up 0:11:37.080 --> 0:11:41.960 my credit profile that will that far past my credit score. 0:11:42.480 --> 0:11:44.040 There's a lot of time there's a lot of people 0:11:44.040 --> 0:11:46.080 who have over seven hundred and still can't get approved 0:11:46.120 --> 0:11:48.520 for over ten thousand dollars twenty thousand dollars right because 0:11:48.520 --> 0:11:52.680 their borring power does not match their score. So I 0:11:52.960 --> 0:11:56.960 don't ever recommend a specific score. What I will say is, 0:11:57.000 --> 0:11:59.760 like I always say, a healthy profile will translate if 0:11:59.760 --> 0:12:02.840 you people need to focus on their credit profile more, 0:12:03.200 --> 0:12:05.800 meaning making sure you don't have any lay payments. If 0:12:05.800 --> 0:12:09.240 you do have lay payments, try to rectify those. If 0:12:09.240 --> 0:12:12.640 you have collections, try to try to rectify all of 0:12:12.679 --> 0:12:14.160 your credit issues. 0:12:14.720 --> 0:12:16.840 Make sure that you have at least. 0:12:16.679 --> 0:12:20.040 Four accounts open at all times, like after you begin 0:12:20.160 --> 0:12:21.880 to build credit. There should never be a time where 0:12:21.880 --> 0:12:25.160 your credit profile goes below three open account or goes 0:12:25.200 --> 0:12:28.040 below four open accounts any time. Regardless, you can have 0:12:28.080 --> 0:12:30.560 an eight hundred credit score. If you do not have 0:12:30.600 --> 0:12:34.319 at least four accounts open, any application that you do, 0:12:34.400 --> 0:12:38.720 you're going to get what's called an empty profile penalty, right, 0:12:38.920 --> 0:12:40.400 and we don't see this as consumers. 0:12:40.400 --> 0:12:42.960 We can't see this on our credit score or our 0:12:43.000 --> 0:12:43.600 credit report. 0:12:43.679 --> 0:12:47.040 However, when it comes to lenders and how our credit 0:12:47.080 --> 0:12:52.920 reports are assigned and how they translate over to their system, 0:12:53.520 --> 0:12:56.240 if you have less than three accounts open, four accounts open, 0:12:56.400 --> 0:12:59.760 then regardless of your score, you automatically penalize. You're automatically 0:12:59.800 --> 0:13:03.320 moved moved down to a lower tier of borrowing power, 0:13:03.679 --> 0:13:07.240 multiple tiers rather, So that's going to be more important. 0:13:07.280 --> 0:13:12.199 Making sure you're not applying for a let's just say 0:13:12.200 --> 0:13:15.600 an American Express card if you have just opened up 0:13:15.720 --> 0:13:18.120 two other credit cards in the last six months, right, 0:13:18.760 --> 0:13:19.640 So those are the things that. 0:13:19.640 --> 0:13:21.400 Speaks more to like your approval. 0:13:21.840 --> 0:13:23.720 Now when it comes to score, if I had to say, 0:13:23.840 --> 0:13:25.720 I would say six. 0:13:25.600 --> 0:13:26.280 Eighty and above. 0:13:26.320 --> 0:13:28.520 You pretty much with a healthy profile, you pretty much 0:13:28.559 --> 0:13:33.160 can get anything since eight six eighty and it's super 0:13:33.200 --> 0:13:34.800 And the thing is, it's so And I know this 0:13:34.880 --> 0:13:37.400 probably sounds far fetched to a lot of. 0:13:37.360 --> 0:13:39.800 People, but it's so easy to get a six eighty. 0:13:39.840 --> 0:13:41.720 Like I actually tell people, if you don't have at 0:13:41.760 --> 0:13:45.000 least a six fifty, then usually one of three things 0:13:45.040 --> 0:13:48.040 are the case you had a recent collection within eighteen months, 0:13:48.400 --> 0:13:51.400 a recent aid payment within twenty four months, or you 0:13:51.440 --> 0:13:54.120 have high utilization, Because as long as you don't have those, 0:13:54.160 --> 0:13:56.320 you at least you should at least have a six fifty, 0:13:56.559 --> 0:13:58.480 just in terms of how your credit scores, how our 0:13:58.480 --> 0:13:59.679 credit scores are allotted. 0:14:00.000 --> 0:14:03.560 An illegal alien from Guatemala charged with raping a child 0:14:03.559 --> 0:14:07.360 in Massachusetts. An MS thirteen gang member from Al Salvador 0:14:07.600 --> 0:14:11.760 accused of murdering a Texas man of Venezuelan charged with 0:14:11.840 --> 0:14:15.720 filming and selling child pornography in Michigan. These are just 0:14:15.800 --> 0:14:19.520 some of the heinous migrant criminals caught because of President 0:14:19.600 --> 0:14:23.200 Donald J. Trump's leadership. I'm Christy nom the United States 0:14:23.200 --> 0:14:28.000 Secretary of Homeland Security. Under President Trump, attempted illegal border 0:14:28.040 --> 0:14:31.600 crossings are at the lowest levels ever recorded, and over 0:14:31.640 --> 0:14:34.880 one hundred thousand illegal aliens have been arrested. If you 0:14:34.920 --> 0:14:38.800 are here illegally, your next you will be fined nearly 0:14:38.880 --> 0:14:42.040 one thousand dollars a day, imprisoned, and deported. 0:14:42.520 --> 0:14:43.680 You will never return. 0:14:44.000 --> 0:14:47.000 But if you register using our CBP home app and 0:14:47.120 --> 0:14:50.520 leave now, you could be allowed to return legally. Do 0:14:50.560 --> 0:14:55.680 what's right. Leave now. Under President Trump, America's laws, border 0:14:55.880 --> 0:14:57.720 and families will be protected. 0:14:57.800 --> 0:14:59.920 Sponsored by the United States Department of Homeland Security.