WEBVTT - How to Master Your Credit

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<v Speaker 1>An illegal alien from Guatemala charged with raping a child

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<v Speaker 1>in Massachusetts. An MS thirteen gang member from Al Salvador

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<v Speaker 1>accused of murdering a Texas man of Venezuelan charged with

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<v Speaker 1>filming and selling child pornography in Michigan. These are just

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<v Speaker 1>some of the heinous migrant criminals caught because of President

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<v Speaker 1>Donald J. Trump's leadership. I'm Christy nom the United States

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<v Speaker 1>Secretary of Homeland Security. Under President Trump, attempted illegal border

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<v Speaker 1>crossings are at the lowest levels ever recorded, and over

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<v Speaker 1>one hundred thousand illegal aliens have been arrested. If you

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<v Speaker 1>are here illegally, your next you will be fined nearly

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<v Speaker 1>one thousand dollars a day, imprisoned, and deported. You will

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<v Speaker 1>never return. But if you register using our CBP home

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<v Speaker 1>app and leave now, you could be allowed to return legally.

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<v Speaker 1>Do what's right. Leave now. Under President Trump, America's laws,

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<v Speaker 1>border and families will be protected.

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<v Speaker 2>Sponsored by the United States Department of Homeland Security.

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<v Speaker 3>How did your journey end up to where you are now?

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<v Speaker 4>Yeah, so it kind of happened by accident. Like literally,

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<v Speaker 4>I was in college and I that was the first

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<v Speaker 4>time I realized I did not have good credit. I

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<v Speaker 4>tried to get a car. They wanted me to finance

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<v Speaker 4>it at like twenty eight percent. I took it because

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<v Speaker 4>I didn't even I didn't even hear yeah, because I

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<v Speaker 4>didn't grow up learning about credit or knowing about credit.

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<v Speaker 4>It wasn't a thing. So by the time I realized

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<v Speaker 4>I had bad credit, it was too late. I was

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<v Speaker 4>already made contracts. So when I, you know, went to

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<v Speaker 4>renew my car, they told me, you know, hey, you can't.

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<v Speaker 4>You you're gonna take negative equity into your new loan.

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<v Speaker 4>You need to fix your credit. And I just went

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<v Speaker 4>home and I just started researching it. So as I

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<v Speaker 4>began to like fix my own credit, repair it and

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<v Speaker 4>like build, I started like telling my family and friends

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<v Speaker 4>about it, like things to do, things that were working

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<v Speaker 4>for me. And it started with me starting a Facebook

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<v Speaker 4>group with like ten people just for my family and friends,

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<v Speaker 4>and that ended up that group now has over like

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<v Speaker 4>six hundred thousand people. But it's started just in that group,

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<v Speaker 4>me thinking I'm sharing credit information with family and friends.

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<v Speaker 4>And I ended up going to school for changing my major,

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<v Speaker 4>switching my major, studying it, getting certified, getting board certified,

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<v Speaker 4>and it kind of just happened like that, I started

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<v Speaker 4>trying to fix my own and then I just like

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<v Speaker 4>became obsessed and fell in love with.

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<v Speaker 5>Credit twenty eight percent Were you aware that's your credit?

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<v Speaker 5>I mean, obviously it was a surprise to you.

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<v Speaker 3>But what were the.

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<v Speaker 5>Things that you were doing looking back that were negatively

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<v Speaker 5>affecting your credit.

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<v Speaker 4>I think my biggest thing was I wasn't I hadn't

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<v Speaker 4>built credit at that point, like it was it was.

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<v Speaker 4>I was always taught no credit cards, cash by everything.

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<v Speaker 4>If you if you don't have the money for it,

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<v Speaker 4>you can't afford it. Now I know that, of course

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<v Speaker 4>it's not true. But living that way, you know, caused

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<v Speaker 4>me to not have credit. And then the credit that

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<v Speaker 4>I did have, I had like a few collections, just

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<v Speaker 4>low level like T mobile phone bills and stuff like that.

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<v Speaker 4>But yeah, so I had no credit in it. On

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<v Speaker 4>top of that, I had a few bad accounts, gotcha. Yeah?

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<v Speaker 3>So okay, so when did you start teaching credit?

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<v Speaker 4>So it started, like I said, with just teaching sharing information,

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<v Speaker 4>I would say, with my family and friends. I didn't

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<v Speaker 4>start officially teaching it until I got certified. So I

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<v Speaker 4>was certified through Fiightoh and then I went to get

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<v Speaker 4>board certified as a credit educator, and so that was

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<v Speaker 4>when I was like comfortable with sharing information. I'm just

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<v Speaker 4>the type that I don't like to teach or educate

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<v Speaker 4>about anything that I don't feel like I'm an expert in,

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<v Speaker 4>especially online because you know, people people crazy. So yeah,

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<v Speaker 4>I definitely after I realized like I had a passion

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<v Speaker 4>for it. I knew that this was something that the

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<v Speaker 4>people that looked like me in my community. I knew

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<v Speaker 4>that this this was something that they was missing, and

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<v Speaker 4>I knew that I could explain it in a way

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<v Speaker 4>that they can they would understand, which is what was

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<v Speaker 4>like the driving force around me getting the formal education

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<v Speaker 4>and then like translating it to my audience and people.

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<v Speaker 3>That look certification, Yes, what is that?

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<v Speaker 4>Oh they need the program back. But it was a

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<v Speaker 4>program where you would go through it was eight weeks

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<v Speaker 4>and you would literally just learn the ins and outs

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<v Speaker 4>of the FICO score, like everything, how every single point

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<v Speaker 4>is allocated, how how your credit we had to break

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<v Speaker 4>down a credit report. I'm able to like look at

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<v Speaker 4>a credit report and immediately identify any areas of opportunity

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<v Speaker 4>like they teach the FYCAL course taught you in a

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<v Speaker 4>way that credit is not being taught anymore. It was

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<v Speaker 4>just like diving in detail about how every single item

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<v Speaker 4>affects your score, things that will lend points to your score,

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<v Speaker 4>and it just kind of took the mask off, I

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<v Speaker 4>would say, of just credit score.

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<v Speaker 5>When we talk about fycle, a lot of people what's

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<v Speaker 5>your fycle score?

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<v Speaker 2>What's your credit score? Yes?

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<v Speaker 5>How does this work? Because we know that this bureau's Experience, Equifax, TransUnion,

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<v Speaker 5>and then this fycle are the scores from those three

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<v Speaker 5>bureaus average and now becomes your fighters How does that work?

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<v Speaker 4>So the easiest way to explain it is we have

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<v Speaker 4>three separate credit scores. They're assigned by TransUnion, Echo, FAXX

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<v Speaker 4>and Experience. So those are three scores that you'll you'll

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<v Speaker 4>you're assigned now when it to FIGHTO score in credit score,

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<v Speaker 4>FCO score is the industry standard, So like if you're

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<v Speaker 4>purchasing a home, if you're buying a car, applying for

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<v Speaker 4>a credit card, they're going off your fight Go score.

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<v Speaker 4>The difference is most people are only privy of their

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<v Speaker 4>Vantage Score, which is essentially just like a free version

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<v Speaker 4>of FYCO score, and that is like when you have

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<v Speaker 4>credit karma. Most credit monitors are your apps earners.

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<v Speaker 2>What's up?

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<v Speaker 5>You ever walk into a small business and everything just

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<v Speaker 5>works like The checkout is fast, the re seats are digital,

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<v Speaker 5>tipping is a breeze, and you're out the door before

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<v Speaker 5>merch partners, Square makes it easy for them to take payments,

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<v Speaker 5>manage inventory, and run their business with confidence, all from

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<v Speaker 5>one simple system. If you're a business owner or even

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<v Speaker 5>can keep pushing your vision forward. This episode is brought

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<v Speaker 5>to you by P and C Bank. A lot of

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<v Speaker 5>people think podcasts about work are boring, and sure, they

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<v Speaker 1>An illegal alien from Guatemala charged with raping a child

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<v Speaker 1>in Massachusetts. An MS thirteen gang member from Al Salvador

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<v Speaker 1>accused of murdering a Texas. Man of Venezuelan charged with

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<v Speaker 1>filming and selling child pornography in Michigan. These are just

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<v Speaker 1>some of the heinous migrant criminals caught because of President

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<v Speaker 1>Donald J. Trump's leadership. I'm Christy Noman, the United States

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<v Speaker 1>Secretary of Homeland Security. Under President Trump, Attempted illegal border

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<v Speaker 1>crossings are at the lowest levels ever recorded, and over

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<v Speaker 1>one hundred thousand illegal aliens have been arrested. If you

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<v Speaker 1>are here illegally, your next you will be fined nearly

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<v Speaker 1>one thousand dollars a day, imprisoned, and deported. You will

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<v Speaker 1>never return. But if you register using our CBP home

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<v Speaker 1>app and leave now, you could be allowed to return legally.

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<v Speaker 1>Do what's right. Leave now. Under President Trump America's laws,

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<v Speaker 1>border and families will be protected.

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<v Speaker 2>Sponsored by the United States Department of.

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<v Speaker 4>Homeland Security, will give you your advantage score as opposed

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<v Speaker 4>to your fight a score, which is why a lot

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<v Speaker 4>of times people will think that they know what their

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<v Speaker 4>credit score is and they'll go apply for something and

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<v Speaker 4>they're like, well, credit carder was telling me I had

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<v Speaker 4>a six fifty, but the car lot is telling me

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<v Speaker 4>I have a five forty. So there are three different

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<v Speaker 4>credit scores and within to not make a complex, FICHO

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<v Speaker 4>has many different models, so depending on what you're applying for,

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<v Speaker 4>the lender will choose a different model that they'll pull.

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<v Speaker 5>I think I've seen that. So it was like, if

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<v Speaker 5>I needed a loan, it was like Fyco score eight. Well, yeah,

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<v Speaker 5>if I needed a credit card, it was different. Bureaus

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<v Speaker 5>inside of it, and they could be similar, or they

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<v Speaker 5>could be vastly different.

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<v Speaker 4>They could be vastly different.

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<v Speaker 5>They're differently true.

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<v Speaker 4>So the ones that I like to talk about because

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<v Speaker 4>I think that everyone should be aware of these different ones.

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<v Speaker 4>Fyco eight is the one that's used the most, so

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<v Speaker 4>especially when you're applying for credit cards, some car and

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<v Speaker 4>personal loans, they're going to use Pyco eight. When you're

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<v Speaker 4>purchasing a home, they're specifically going to use Fichos two, four,

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<v Speaker 4>and five, which are known as the mortgage scores. If

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<v Speaker 4>you're purchasing a car, they're going to use your your

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<v Speaker 4>FYCO five, I mean your Fyco six, which is your

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<v Speaker 4>auto score. So there's those are like the three most

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<v Speaker 4>used versions or widely used versions of your Fyco score.

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<v Speaker 4>But the way that I teach credit you, when you

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<v Speaker 4>fix your credit profile, it'll translate across all scores, which

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<v Speaker 4>is why I don't necessarily like place too much emphasis

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<v Speaker 4>on the different versions of your Fyco score, because if

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<v Speaker 4>you have a healthy profile, it'll translate regardless of which

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<v Speaker 4>score is pulled.

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<v Speaker 3>You be healthy. Yeah, So what factors contribute to your

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<v Speaker 3>personal credit score?

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<v Speaker 4>So credit score is your credit score is broken down

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<v Speaker 4>into five categories. Right, so most people know your payment

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<v Speaker 4>history is thirty five percent, or credit utilization is thirty percent,

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<v Speaker 4>credit age is fifteen percent, and then hard inquiries and

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<v Speaker 4>credit mix are both ten percent. Right, So those are

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<v Speaker 4>the five factors that lend to your credit scores. Now

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<v Speaker 4>they're weighted differently. So payment history is thirty or is

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<v Speaker 4>thirty five percent or worth up to one hundred and

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<v Speaker 4>ninety two point five points. Credit utilization is worth one

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<v Speaker 4>hundred and sixty five points, credit age is worth eighty

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<v Speaker 4>two point five points, and then hard increase and credit

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<v Speaker 4>mix are both worth fifty five points each. Right, So

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<v Speaker 4>those are the separate factors. And when you're building your credit,

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<v Speaker 4>if you focus on those top three categories, which is

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<v Speaker 4>credit utilization, payment history, and credit age, you'll have at

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<v Speaker 4>least like a six eighty, six, ninety, and sometimes even

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<v Speaker 4>a seven hundred depending.

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<v Speaker 3>On So can you go through each one of those

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<v Speaker 3>top three like, yeah, credit utilization explain, I definitely can't.

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<v Speaker 4>So pay me history is the largest factor in your

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<v Speaker 4>credit score. So in Layman's term, to pay your bills

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<v Speaker 4>on time if you cannot make a pay schedule and

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<v Speaker 4>arrangement with the with your bank because the second that

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<v Speaker 4>your bank reports a lay payment, which is a payment

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<v Speaker 4>that's thirty days pass to do date, you will have

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<v Speaker 4>a lay payment. Because your payment history is the largest factor.

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<v Speaker 4>One lay payment can literally drop your score up to

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<v Speaker 4>one hundred points depending and so then credit utilization, which

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<v Speaker 4>is one that's slept on and honestly, it's the one

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<v Speaker 4>to me that has the most immediate impact on your score.

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<v Speaker 4>So what I mean by that is your credit utilization

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<v Speaker 4>is pertaining to credit cards. So how much you're using

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<v Speaker 4>your credit card, how much, how much balance, how much

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<v Speaker 4>of a balance you carry over to the next month,

0:11:41.559 --> 0:11:45.240
<v Speaker 4>is going to determine your utilization. Keeping that below ten

0:11:45.280 --> 0:11:51.200
<v Speaker 4>percent is going to do wonders for any profile. And

0:11:51.280 --> 0:11:55.040
<v Speaker 4>then credit age is something that when you're in the

0:11:55.040 --> 0:11:56.880
<v Speaker 4>beginning of building your credit, you're not really going to

0:11:56.920 --> 0:11:59.960
<v Speaker 4>have any control over that. As you open to account,

0:12:00.160 --> 0:12:02.959
<v Speaker 4>close new accounts. If you are repairing your credit and

0:12:03.000 --> 0:12:06.520
<v Speaker 4>you're getting things deleted, that also affects your credit age

0:12:06.559 --> 0:12:11.080
<v Speaker 4>because it is an average. So after you after you

0:12:11.160 --> 0:12:13.880
<v Speaker 4>get your your basic base level credit profile, and we

0:12:13.920 --> 0:12:17.200
<v Speaker 4>can go into that, don't apply for anything for six

0:12:17.240 --> 0:12:20.880
<v Speaker 4>to six to nine months, and that'll that'll AI to

0:12:21.200 --> 0:12:23.840
<v Speaker 4>improving your credit age, because that's the most take that

0:12:23.880 --> 0:12:25.800
<v Speaker 4>a lot of people make when they're building credit. The

0:12:26.280 --> 0:12:30.559
<v Speaker 4>probably the number one mistake, which is what applying too fast,

0:12:30.640 --> 0:12:34.080
<v Speaker 4>trying to build credit too fast, trying to thinking that

0:12:34.320 --> 0:12:37.160
<v Speaker 4>anything that they apply for and get approved for it's

0:12:37.280 --> 0:12:39.360
<v Speaker 4>a great thing for their credit profile.

0:12:39.480 --> 0:12:43.080
<v Speaker 1>And illegal alien from Guatemala charged with raping a child

0:12:43.160 --> 0:12:46.960
<v Speaker 1>in Massachusetts. An MS thirteen gang member from El Salvador

0:12:47.200 --> 0:12:51.360
<v Speaker 1>accused of murdering a Texas man of Venezuelan charged with

0:12:51.400 --> 0:12:55.320
<v Speaker 1>filming and selling child pornography in Michigan. These are just

0:12:55.400 --> 0:12:59.160
<v Speaker 1>some of the heinous migrant criminals caught because of President

0:12:59.200 --> 0:13:02.800
<v Speaker 1>Donald J. Trump leadership. I'm Christy nom the United States

0:13:02.800 --> 0:13:07.600
<v Speaker 1>Secretary of Homeland Security. Under President Trump, attempted illegal border

0:13:07.640 --> 0:13:11.160
<v Speaker 1>crossings are at the lowest levels ever recorded, and over

0:13:11.240 --> 0:13:14.480
<v Speaker 1>one hundred thousand illegal aliens have been arrested. If you

0:13:14.520 --> 0:13:18.400
<v Speaker 1>are here illegally, your next you will be fine nearly

0:13:18.480 --> 0:13:22.480
<v Speaker 1>one thousand dollars a day, imprisoned and deported, you will

0:13:22.520 --> 0:13:26.160
<v Speaker 1>never return. But if you register using our CBP home

0:13:26.200 --> 0:13:29.600
<v Speaker 1>app and leave now, you could be allowed to return legally.

0:13:29.960 --> 0:13:34.680
<v Speaker 1>Do what's right. Leave now. Under President Trump, America's laws,

0:13:34.880 --> 0:13:37.320
<v Speaker 1>border and families will be protected.

0:13:37.400 --> 0:13:39.559
<v Speaker 2>Sponsored by the United States Department of Homeland Security,