How To Get A PERFECT Credit Score For $0. Graham Stephan

Here's EXACTLY how you can increase your credit score - fast, get a perfect 800 on your report, and learn to leverage your money at the cheapest interest rates possible - Enjoy! Add me on Instagram: GPStephan

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FIRST: LEARN WHAT MAKES YOUR CREDIT SCORE: 

35%: On Time Payment HIstory

30%: The Amounts Owed (Utilization)

15%: Average Age Of Accounts

10% Types Of Credit 

10%: Number Of Credit Inquiries

IF YOU DON'T HAVE ENOUGH CREDIT: 

Either give it more time, or allow yourself to become "An Authorized User." This term is also known as “credit piggy-backing,” because - essentially - you get all the benefits of someone else’s score, without you needing to do all the work. Not all cards will do this, however, so be careful to pick the right one. 

HIGH CREDIT UTILIZATION: 

Pay off your balance - for most people, this will make the biggest difference in the shortest time possible. In addition to that, opening up a new line of credit or requesting a credit limit increase could also help - because now your "amount owed" is a smaller percentage of your overall credit. 

USE EXPERIAN BOOST: 

Experian Boost is a free, opt-in service that links to your accounts, and then tracks on-time phone and utility payments by adding them as a positive trade-in to your Experian credit file. Doing this will give you: more positive credit history and more on-time payments to help boost up your score. 

REMOVE LATE PAYMENTS: 

First, pay them off as soon as possible - it's much better to have a 30 day late payment than a 60 day late payment. It's also always worth it to TRY to negotiate the terms of the debt and see if the lender can adjust your account status back to current - or, remove it as a courtesy. If all the above fails - look for any inaccuracies in the information and dispute it. 

DON'T CLOSE OLD ACCOUNTS

If you close your oldest account because “you don’t use that card anymore” - what you’re really doing is eventually ERASING your oldest trade line, and when that happens - eventually, the average length of your credit history will drop - over time, it’ll look as though you have a much newer account then you actually do, and that will lower your score. 

FINALLY: 

There's no need to pay for any credit repair services, and ignore any spam comments praising someone for increasing their credit credit score. All of this is something you can do yourself, in under an hour, for free…and all of it’s fairly simple to learn. 

If you’re able to utilize these these 6 steps - a PERFECT credit score is absolutely achievable, for totally free, without paying ANY interest to the credit card companies - JUST by paying off your bill, in full, with no annual fee credit cards. That way, they never charge you interest - you never pay a credit card fee - and, you get every benefit of getting a perfect score - for $0.

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For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com