@ruslankazimov9642
I think you literally just saved my life Graham, I’ve been struggling to find a way out. I’m currently an N.A waiting to get certified because of covid and stuff but I support myself and my grandma. I don’t have anyone to turn to for help, I’ve been trying to save but I can’t because of bills and renting my apartment and everything. But this, literally helped me look to a brighter future. My grandma is crippled so she cannot do work or anything. Most people have parents to turn to but I don’t talk to my mom or dad. This literally helped me so much because since i met web demon pro 007 the real issue i have about debt was solve in some weeks am sure before June of my birthday i will be home owner
@st-gs8il
Any body else an 18 year old getting ready for the world and is having to google this stuff coz you dont know what it menas
@denzelg05
Love the Parks & Rec reference! Made it more understanding! Haha
@Layla.17
This was so helpful, thanks for teaching me things school didn't
@AKPebble
As someone who has worked for years to boost my credit score. Thanks to my parents wisdom, I have always stayed on top of my credit cards and ensured that I always pay my debt off. Managing debt like this is just one effective way to ensure you maintain a good credit score. Of course, this means you have to live within your means.
@sironmanxx
Please note the interest calculation at the end of the video is wrong. It should state that the interest calculation is for YEARLY interest, not monthly. Otherwise good basic info.
@mirandamarshall7079
AGHHHH the P&R idea is so fun! Thanks for sharing - my students will totally get it with these characters!
@falnixvalencroth
I like the part where you mentioned that the three credit agencies are not governmental sectors but rather private sectors. Very interesting that companies who sell my information for profit tell me how creditable I am.
@lmewshaw
At 2:10, You math is flawed. 5% annual interest will cost her ~$4/month and Andy's would be ~$166/month.
@RogueCrockett
I have officially finished watching your videos and I would like to say think-you for an amazing education in my study of money
@wallstsurvivor
Glad you like it. We have a bunch more coming up soon!
@dancecommunity392
cyber ethical expert You're really a reliable plug I ever made successful deals with all time💯
@etfguide
Great job on your videos! They are all very informative and concise.
@pfloyd94
Awesome! Been trying to buy a house. I have NO credit score though. So I have to get the ball rolling.
@zenmeister4514
My credit score has consistently gone down ever since I took out a Merrick Bank credit card. That's even after I have NEVER missed a payment, ALWAYS pay off my entire balance each month (99% of the time), ALWAYS pay all my bills on time. It seems to me that credit scores are more a reflection of these agency's money paranoia than the consumer's payment history! I also get the feeling that these agency's actually enjoy attacking one's credit score...just say'n'...
@martnoort
This sounds so weird to me. I'm from the Netherlands, here we have a Credit registration too, but you don't get points for paying off your debt. You get a negative registration when you don't pay off your debt, have high loans and your credit card limit is also included in those loans. Here you get tought never to get a credit card. So this would mean that if I were to move to the US, I wouldn't be able to get a mortgage, because I don't have a lot of loans?
@Zoki4444
I'm in the middle: I buy whatever I want when I want, but I don't go beyond my limit. If I run out of money, I just wait till I get paid. Point of the story: don't fuck with credit. It's designed to tempt you into debt that you'll never be able to repay.
@christinamorrow2981
Valentine's Day Credit Tip: DO NO OBJECT TO OR CUT UP CREDIT CARDS! Having open lines of credit is actually effective with improving your credit score. For example: If you have a credit card with $100 credit limit and you use $90. You are at a 90% utilization rate, which can cause your credit to go down when CB reports. But, if you open another credit line that has a $500 credit limit (DON'T USE IT), that lowers your utilization rate to 15%, which can improve your credit score when CB report on their next cycle.
@maxbardus3019
Basically it’s like a mini version of Chinese social score
@DarkInception