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Thanks for the video but *creditlord* helped fix I and my spouse credit,.
I was able to get a possible judgment dismissed due to the help of *credit lord* wih the debt collection company saving me a lot of money.
I mailed *creditlord* and he repaired my credit in 18 days.I’m grateful
*Creditlord* literally gave me a fresh start. Before, I was stressed out and exhausted from being turned down from lender to lender. As of now, I’m currently in the phase of purchasing a home. I’m more confident and I feel more secure.
USE THE PROFESSIONAL SERVICES OF CREDITLORD.
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Thanks for the video but *creditlord* helped fix I and my spouse credit,.
I mailed *creditlord* and he repaired my credit in 28 days.I’m grateful
*Creditlord* literally gave me a fresh start. Before, I was stressed out and exhausted from being turned down from lender to lender. As of now, I’m currently in the phase of purchasing a home. I’m more confident and I feel more secure.
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I was able to get a possible judgment dismissed due to the help of *credit lord* wih the debt collection company saving me a lot of money.
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“What’s up Graham, it’s guys here” lol’ does he always say that?
Wait, Democrats are doing this?
The credit system is horrible. It’s designed to keep folks poor. Think about it. Even _if_ it is a good indicator of your past history, it has zero way to see your current or future history. It makes it hard to escape poverty because those looking for a house have to worry about something bad that happened a few years ago either penalizing them or blocking them altogether when getting a mortgage. Even looking at multiple mortgages (more than three) dings you hard. I see people saying it’s to prevent you from getting multiple loans, but really, how many people get multiple mortgages at once?
It benefits middle class people who can have parents add them to credit early on to build “credit history.” But poor folks don’t receive this luxury, and thus makes it harder for them to escape. I see the credit scores benefits for banks, but ultimately it does more harm than good for tens of millions of Americans.
Glenn Beck has been warning us for years…pretty much you cant do business if you dont walk the line in EVERY ASPECT OF YOUR LIFE. WAKE UP
“What’s up Graham, it’s guy’s here!” 😂
The BANKS and Credit Card companies and loan sharks are literally killing me!! I hope a guy like me gets some relief. I had a major back problem and couldn’t work and racked up massive bad debt and now I’m back to work and have plenty of income but I am being charged 28 to 38% interest and they slapped me with a 580 credit score. A loan of 20 k would save me and allow a refinance but because of my 580 credit score I can’t get a loan it’s horrible!! I have $3000 a month in loan payments and credit cards and it would drop to $380 a month with a 10% loan….
I thought the recent financial crash was due to this exact thing, banks handing out loans to everyone then failing when those people did not pay them back? We forget already? This is why liberals need to stick to making pottery and protesting places that sell meat and leave the actual government to more useful and practical people.
Banks: you have no debts but you have no credit history so obviously you’re not trustworthy. So instead of giving you a loan with a monthly pay of 700 an month we expect you to go rent for 1200 a month.
Here is a thought… ban the use of SSN for any form of identity and credit. It is not built with any sort of security on it.
What’s up Graham it’s guys here??
Graham looks like and sounds like Tom cruise just saying. Could be his son?
I don’t know how the credit scores work but I’ve paid on time for over two years and still don’t have an 800 score. Rarely use the cards either. Seems bogus to me.
you are so punny haha no but i hit the like button stop with the puns my man
I don’t agree with you! If you think our Government can run anything correctly you are sadly mistaken! Almost 30 trillion in debt give me a break! Don’t get me started on the censorship the big banks are already doing that for your Political beliefs I say Bullsh!t! How about they balance their books first!
Remove credit scores to stop evaluating people’s creditworthiness, but implement social credit scores instead to control everything people say, think, where they go, who they talk to, their finances, health status, and so on. Totally a great idea by Biden’s government, what could possibly go wrong?
We need a better way to remove inaccurate information from our credit report. I have one item that I paid off, they then sold the debt and closed the company shortly after. That company sold to debt to someone else and they to another party, no one cares that it was paid off, they just want money. It’s on my credit report four times with different amounts because each one added their own fees. The bureaus won’t take it off because the companies lie and say it’s legit. Current system is broken.
only thing that should be fixed is medical bills should not affect credit…
They need to make it easier for a small business owner with a great personal credit history to get a home loan!
You will own nothing and you will be happy
Jokes on them. I don’t have any credit. I’m not even joking.
I know a woman who had everything in her husband’s name. He went to prison a couple of years ago. She was going to sell her house and move to a smaller house. She was a full-time nurse and had a decent wage. She had no credit score and had trouble getting a loan.
Congress wants CONTROL of your credit score.
You mean the same people that can’t balance a budget? That Congress? hahaha .
Unless ur rich….you can do whatever u want….
After reading the proposal, I completely support it. There needs to be transparency. It should be accessible for free for more than just once a year. There also needs to be a clear and transparent way to dispute. There also needs to be institution issuing one score.
Credit score is not something used in all countries though. In France, they determine if you are eligible to get a loan (e.g., to buy a house) based on the ratio between your salary, your expenses and your savings. Basically, if every month you ‘burn’ all your money, you’re perceived as riskier than someone earning less but consistently making deposits to a saving account. I feel in the US people tend to buy things they don’t need with money they don’t have… The only times I feel one should need a credit is when buying ‘big’ things (house, car, etc.). Not for a TV. I’m 26 with over 800 credit score, time was put into that to build it up by *850CREDIT RESTORATION*
The credit system is horrible. It’s designed to keep folks poor. Think about it. Even if it is a good indicator of your past history, it has zero way to see your current or future history. It makes it hard to escape poverty because those looking for a house have to worry about something bad that happened a few years ago either penalizing them or blocking them altogether when getting a mortgage. Even looking at multiple mortgages (more than three) dings you hard. I see people saying it’s to prevent you from getting multiple loans, but really, how many people get multiple mortgages at once? It benefits middle class people who can have parents add them to credit early on to build “credit history.” “After few month of working with *850 CREDIT RESTORATION* , I’ve finally achieved the coveted, perfect ‘850’ credit score!”
I dunno… I was one of those people that didn’t care about a credit score, didn’t get any education about how important your credit score is, and I racked up debt like an idiot. I worked really hard and educated myself and I’ve brought my credit score from 480 to 690 and I’m still going up with *850CREDIT RESTORATION* . I feel like the government blaming credit reporting companies instead of the lack of financial education in their own public education system is foolish.
I stumbled across your video and instantly knew this was made for me. I’m going through the same thing with my business but just knowing that I’m not the only one who’s experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude Kevo and *850 credit restoration* was so helpful during the process of boosting my credit
Thank you for the video! I have had a passion for credit repair for a long time and I’ve helped a couple of people. I’ve even thought about starting my own business. Listening to you and seeing your passion has lit a 🔥 in me and learning from and using *850credit restoration* . I have watched this video a few times just as motivation. I call it my “Victory Lap” video because you are spreading Nips message by following it! Thank you and keep pushing! Proud of you!
When trying to get late payments removed on an active account, if it cannot be verified by the bureaus, do they remove that late payment and show on time payment for that month, show no information available for that month, or delete that account off the credit report? I want to get my late payment history corrected but not sure how disputing with the credit bureaus affects the active account if they cannot verify the information to be accurate, I wouldn’t have been able to take them off if not me meeting *850 Credit Restoration*
VERY well done ! I say this with 40+ years in mortgage finance & banking working with credit bureaus. Different models and parameters are used by different industries but *850 CREDIT RESTORATION* info is pretty much universal. If you’re trying to max your credit scores, there is a happy medium between too many credit cards and none. Too many cards with zero balnce may actually hurt you in some cases. Even if you do not use them, you have a potential. To always pay cash & still have cards doesn’t help your scores as well
At 34 years old I finally feel ready to settle down long enough to buy a house. Unfortunately due to previous horrible stupid life decisions, I’m forced to start with a zero balance in my savings account. On the bright side, the huge amount of debt – consequence of those bad decisions will be payed off next month! 🥳 It’s never too late to start saving like there’s no tomorrow, and I’m really REALLY excited and motivated. Oh and Graham, fyi my emergency fund is also a done deal! by *850 Credit Restoration* team lol, i didn’t made it myself
The amount of bots in this comment is amazing… Wow.. all accounts above me are all bots lmao
I get such GREAT service every time I go to the *850 CREDIT RESTORATION* and the IRS is SO wonderful to work with. I DEFINITELY want the Government in charge of my Social Credit Score! This couldn’t possibly be misused in ANY way! All the data breaches that the VA has had makes me confident that my data would be TOTALLY safe!
Wealth is not just about finance, but health and wellness is critical especially in our black community! No need to have stuff and money if you don’t have your good health? Rick Ross finally understands this truth now! What does it profit a man/woman to gain the whole world if you don’t have optimum health to enjoy it all! Let change the mindset about the diet & wealth in the black community so we can all go up together! Above all things… I wish that you be in good health and prosper even as your soul prospers! God bless you brothers! and remember to use *850 credit restoration* for your bad credit and negative credit marks and inquiries removal
Yea Navy federal gave me a really high limit. I applied and was denied at first so I got a *850credit restoration* service , and I was approved for a capital one. The limit was so small lol but I took it and worked on it. Because if that it helped my credit and I believe that’s what made me finally get approved for navy fed with such a high limit. they’re still working on increasing the capital one since it was so low. All in all I’m satisfied.
Followed Joshua & got out of debt, built an emergency fund and then more savings and eventually starting my own business. Now it’s time to seriously invest! Time waits for no one! I swear it feels like I graduated HS yesterday 😂 (28 years old) lol but I have more than enough time! I was in the dumps via credit, owed $44k in card debts and 97k in student loans and really couldn’t afford anymore Tried Lexington law a while back and that was just a mistake My cousin referred me to *discreet phase resolution* I’m intrigued by their honesty and service
Back in my country, I owed a debt for a car, the car was repo for the balance( I gave back the car). Debt collector went to my old address looking for me. I got a hold of the letter, emailed them asking to clarify the debt, explaining the balances, surprised! They never responded! I felt this was some third party trying to get some commission money through a fake debt collector company. I had no knowledge prior I got a derogatory showing on my credit report. It came from a dental company that I owed money to. They send it to a collections agency. I settled with them with *discreet phase resolution*
I say I would rather lend to someone smart enough to learn how the system works and work within it to benefit themselves. Money and credit are tools. Learn to use them
Give the government access to your personal finance accounts so they can monitor you? I don’t think so!!!
Gonna turn out just like the housing bubble that burst because of risky loans!!!
congress and indeed democrats are a pack of corrupt communists who hate america and are actively and opening doing everything to rip it down.
Graham seriously read this messages – huntington bank offers stand by cash – unsecured line of credit based on deposit history , no fees , no interest, limit up to 1k
Borrow money? Pay it back. Maxed out credit cards? Make the monthly payments. Make your word as good as a contract and you will have limitless credit forever. Credit is not “extra” money. It’s not a gift and it is not a right. Credit is a privilege and like any other privilege that is abused there are consequences. Always pay your bills and you will have excellent credit. Don’t take a loan if you know you can’t pay.
I think they need to adjust how they do the scores. Worked the same job 31 years, paid off credit card every month for 40 years and have only one credit card. They dont like I pay off the card every month and only have one. The score is rigged on how much money they make off you. Stupid republican rules!!!
Can’t listen to Scott Wolf over here!…….. geez
What’s up with all the 850 credit restoration promo??
Congress should ban credit scores. Back after the end of the great depression, when the government created social security numbers in order to keep track of your social security benefits, it was in the writing that it would not be used to track you in any other way
This sounds an awful lot like 1999-2003 and the push for subprime mortgages. It pushed debt onto people with a poor track record, and by 2008 it completely collapsed the world economy. Banks mostly wouldn’t want to hang on to such loans, so Fannie Mae and Freddie Mac bought them instead. The claim was that 1000 bad loans had less risk than 10, so they bought the mortgages by the thousands. You would think congress would have learned the lessons, but here we are again, trying to do the same thing that was attempted and failed horribly only 13 years ago.
Every time a pay off an account or credit card my score drops ! It doesn’t make sense ! All my accounts are in good standing ! I don’t care anymore ! By the the time I pay off my accounts I’ll have a zero rating !