Changes are coming to the FICO 10 Scoring Method that might drop your credit score – here is everything you need to know, enjoy! Add me on Instagram: GPStephan
Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): https://act.webull.com/k/Vowbik9Tm5he/main
NEW: JOIN THE WEEKLY MENTORSHIP – https://the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/
The YouTube Creator Academy:
Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://bit.ly/2STxofv $100 OFF WITH CODE 100OFF
My ENTIRE Camera and Recording Equipment:
https://www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB
What currently impacts your score:
On-time payment history, which makes up 35% of your credit score.
This means that you always pay your debts on time, as agreed – without ever missing or being late on a payment.
The second largest impact is what’s called THE AMOUNT OWED – which makes up 30% of your credit score.
This is otherwise what’s known as the “Utilization Rate” – which means how much credit you have available, versus how much of that you’re actually using.
Third, we have the AGE OF YOUR CREDIT – which makes up 15% of your score.
Overall, lenders see that the longer you’ve had your accounts open for, and in good standing – the better the chances that you will be a responsible, experienced borrower.
Then, fourth – we have the TYPES of credit you have – which makes up another 10% of your score.
This means that lenders want you to have experience handling MULTIPLE types of loans, just to prove to them that you’re a financially independent adult who don’t need no credit.
And finally – we have the remaining 10% of your score, which is calculated by the number of credit inquiries you have.
Generally speaking, the more hard inquiries you have – the lower your score will be, BECAUSE lenders are worried that you’re out there actively trying to seek new loans and credit – and because of that, you’re seen as a POTENTIALLY riskier borrower.
And that brings us to the new FICO 10 Scoring Method:
The biggest change is that FICO 10 will be able to look into your spending habits for the last 24 months and determine, from that information, if you’re a risky borrower. The most notable of this is that they’ll be able to see if your spending habits have been steadily INCREASING, if your account balances are getting higher every month, or how often you’ve been maxing out your accounts.
Second, the new FICO scoring method will be able to see if your credit usage is INCREASING over time.
This new scoring method will weigh personal loans much more heavily, and that would likely bring down your score. This new scoring method will also be able to calculate if your debt is INCREASING over time, or if the amounts owed are steadily going up – and lenders would be able to take that into consideration to determine whether or not you’re a potential risk.
Third, on a GOOD note, FICO actually made an IMPROVEMENT to the credit scoring system, and they won’t be penalizing you for TEMPORARILY maxing out your account or holding a one time high balance.
They’re going to analyze the last 24 months of your account history, and any sudden “blips” of high spending won’t count against you, like if you had a big one-time purchases, or happened to make a lot of charges around a single time .
Now, in terms of what you could do about it:
FIRST: Always pay off your credit cards in full by the time they’re due.
Nothing changes here – I’ve been saying this before, and I’ll continue saying it – credit cards should not be seen as a way to borrow money. Instead, you should always opt to put normal spending on the card and use credit as a buffer between your spending, and your actual money.
SECOND: Don’t be afraid to take out MORE CREDIT
I know this sounds completely counter-intuitive…but, when lenders want to see a consistently small outstanding account balance – it HELPS to have more credit available to you, even if you aren’t using it. This is because, like I mentioned, 30% of your credit score is calculated from “amounts owed,” which is your utilization rate…and the higher the percentage is, the lower your score.
AND THIRD: I think this goes without saying…don’t take out personal loans and then rack up more debt on credit cards.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com
*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
I’ve been very satisfied with the services provided at FixMyCreditDoctor•org credit repair team after finding link to their website on google because I had a lot of recommendation about them. They’re so great and I’ve always found their services to be professional, user friendly, and thorough in handling business. I would recommend them to anyone in need of a credit repair or correcting credit cards payments. Very friendly, 100PERCENT responsive and reliable! you can look them FixMyCreditDoctor•org up on google
I’ve been very satisfied with the services provided at FixMyCreditDoctor•org credit repair team after finding link to their website on google because I had a lot of recommendation about them. They’re so great and I’ve always found their services to be professional, user friendly, and thorough in handling business. I would recommend them to anyone in need of a credit repair or correcting credit cards payments. Very friendly, 100PERCENT responsive and reliable! you can look them FixMyCreditDoctor•org up on google……..
I don’t have much to say. Just in case you need help regarding your credit score, I know a specialist that can help, I’m a living witness of his good job because he has helped me before and I was able to acquire my house through his help, FixMyCreditDoctor•Org cleared all my debts and removed all negative items from my report…………
I believe this credit repair team FixMyCreditDoctor•Org who fixed my credit and raise my scores from 570-812 can help you too , they posses the best credit repair skill & qualities , I was so flabbergasted to see my negative items falling off, I was so flabbergasted to see my negative items deleting off , got the notifications from identityIQ AND CREDIT Karma, FixMyCreditDoctor. Org* is the best I also got approve for 35k limit chase sapphire card and some others………
A bad credit score has also cost me in extra rent costs (and extra deposits), extra in cell phone bills, insurance, and deposits for bills. I’ve FINALLY gotten my score up to 802 with the help of
FixMyCreditDoctor•Org, Unfortunately those late/missed payments have really hurt me. Credit cards were not my problem…it’s all student loans and others but FixMyCreditDoctor•Org cleared
it all and increased my credit score, thank you guys
My score is 750 plus … Get keys to my condo in 3 weeks. Lender called and said they are DROPPING my interest rate (low 4 percent range). Gotta love it! This video is really helpful to keeping my score up. Thanks!
I was searching for some lasting solution to improve my bad credit score when I came across a credit fix team website on google and I was contacted them through the link (creditbackdoors ⏹ com) and they took their time in assisting me and getting my credit clean by removing all my negative items and my scores was improved to excellent 814 within few weeks , he is a real genius, just let him know I referred u…………………….
score provider are making more money than you can think, so all about them.
I loved the Algorithm part,,,hysterical. You give alot of great knowledge and content for Free, asking us to smash the Like Button is worth you keeping offerring your content..
I keep all my credit card limits under 20%, i was told it was a good thing, so is it not?
So what happens when one has say, a $10,000 limit, using less than 3%, and then gets a ‘credit builder’ loan of $2,000 for 24 months (cash is released when paid if full)? Doesn’t that 24 moths of credit history count for something? Actually the same as an auto or installment loan (secured by the cash in savings account), NOT a personal to shift credit card balances on & then rack back up.
The reason why I ask, lenders sees paid installments (home/auto/appliances) in a different light than credit cards, because the amount is fixed for the term of the loan. Am looking to get a new ride in a couple years, am already saving, so could take a chunk of that cash to get that loan to prove to borrowers I can make installments across the long haul. I agree that credit card usage should be used as a tool (like for it’s buying protection and/or rewards), not to esclate balances every month. Actually I buy much everything with credit cards, but NOT around the time statement generates, then pay as soon as the item arrives (or the moment I walk out of the store on smartphone). This means am making 6-8 payments per month, a small charge on two that doesn’t carry a balance to report payment made.
My rule of thumb, I have three cards, yet carry balance on only ONE, with the highest limit (AMEX). Still at 3% total, so kind of level, although working to get to 2%. For those who believes Credit Karma & others posting Vantage scores and saying keep balances below 30% (or 10%), think again. These are the known FICO ‘trigger points’ & it’s best to get to the lowest one possible, but NEVER ZERO if credit cards are the only sourse of credit. Let a digital subscription such as Disney Plus report the balance (will be 1%), I one paid all to $0 & my Experian too a 17 point plunge. Took 4 months to get back to where I was.
Anyway, here’s the FICO trigger points…..88.9%, 68.9%, 48.9%, 28.9%, and 8.9% are known thresholds. Scoring bumps are likely for crossing these, although it’s possible that not every threshold will cause a bump. Paying to 87%, 67%, etc. ensures that the next month’s interest doesn’t bump you back up over a threshold. In other words…..STAY BELOW 28.9% (again, don’t forget what you’re being charged for interest)!
And while there’s some good tips on Credit Karma, Credit Sesame, Wallethub & others, remember thees scores, yes these DO come from the three major credit reporting agencies, yet AREN’T FICO.. Some (like me) may find these close, others has stated swings of over 100 points in either direction, may be for the good or bad. This is why it’s imperative to buy a 3 bureau report at $60 when purchasing a new car or home (to include insurance scores for both) on the day of applying for credit & print 2 copies. One should have up to 28 types of scores on file (dependent upon types of activity used), not simply the base Experian FICO 8 like that shown on the AMEX site as part of the membership. This is with each of the three agencies & all will be different. Walking into an auto dealership w/out the report WILL mean paying a LOT more in interest then deserved (assuming upper Good to Excellent credit scores). It’s actually preferable to know what type & price range of ride one wants, along with down payment saved, and get approved by your bank or credit union & then sell the trade in the classifieds (unless on it’s last legs!). Then when walking into the dealership, other than any cost of the filing of the lien, you’re the same as a cash customer, 100% in control.
Those with upper ranges of Good (730-748), Very Good (749-799) to Excellent (800+) credit should enjoy your ride, not get taken for one.
As for the new FICO scoring system, many has yet to roll out FICO 9, a model approved long ago, so may not expect to see 10 for some time to come. However once it does, those who are responsible will likely be rewarded. It’s about time, as we all deserve a new TV or whatever once in a while, just make more than minimum payment (or two payments), all will be fine.
N
Ni
Nic
Nice
Wow this video had soooo many commercials
Douglas Jones helps him with the algorithm 😂
Here’s a simple solution, pay cash
Haha. Algorithm. Haha. Keep mentioning it
Need to fix my credit
hello there,i have a recommendation for you..FixMyCreditDoctor•Org saved my ass from debt and paid my student loan
Waiting for the second “smash the like button” gave me anxiety I barely watched the video 😂😂
The rich get rich and the poor get poorer. That could’ve been the whole video and would be a equal description of what it means and what’s to come. Its like my work saying that this new system for paying us called ” performance pay” is this wonderful magical thing that affords us such a great opportunity to make more money. While I’m just picturing someone with a pig putting lipstick on it. A raise is a raise. If you were giving a raise that’s what you would call it because youd want everyone to know. But. If you want to trick folks into thinking it’s a raise ,but it isnt, you make up a fancy name and talk about all these hypotheticals. It’s all the same. The gap isnt closing, its growing. All of this is irrelevant to 99% of the population.
The one silver lining, that I wont live to see, when the gap has grown too far and the population doesnt have the money to buy ANY of your stuff and stop consuming and just survive, where will the wealth come from? Have a handful of people on earth filled with people who are just trying to eat. Youre money and products are useless and have no value. What will happen then ? Theyll probably be the fattest so I imagine they’ll just be eaten.. Then life starts over
You have some good content and information I’ll Grant you but you are so annoying With your incessant begging for likes. It’s sad and im contemplating unsubscribing And certainly won’t be hitting the like button. . I can find other content creators that don’t annoy me.
Hey Stephan I recommended somone to WeBull and the stocks I got was not worth 14,000 dollars can you please explain? PS is there anyway I can close my Acorns account without paying a penalty?
The only place they can help you remove your inquiries is FIXMYCREDITDOCTOR dot ORG so try to reach out to them bt looking them up on google and thank me later,well they just helped me remove 32
inquiries and about 17 hospital bills that went into collection accounts?….i’m so happy…………………
I’m glad I took one more step despite losing money previously but I eventually met FixMyCreditDoctor•Org.. All their services are swift and safe… I cleared a lot of debt and made tons of money using their services
I’m glad I took one more step despite losing money previously but I eventually met FixMyCreditDoctor•Org.. All their services are swift and safe… I cleared a lot of debt and made tons of money using their services………………
0:50 why are you looking up, demons are always in hell :))
My credit score average, across all 3, was 780, afterI took out a personal loan for $7K, for 18 months, it went to 808. After I paid it off, on time, never late, my score dropped to 760. WTF??
When you paid it off, your total available credit dropped, which kind of ‘lowered the tide’ on your overall credit.
You *may* choose to open a line of credit for roughly the amount of the loan to gain those points back.
YMMV.
Gotta have good credit to get good credit… that’s a great system.
The only place they can help you fix your bad credit score is *LLCCREDITFIX(@)GMAILCOM* , they just helped me get rid of 32 inquiries and 17 hospital bills, I am now relieved ……
I think that I’ll be one of the people negatively affected. Between 2018 and the first 3 quarters of 2019, all of my cards are maxed out and I was making minimum payments. Then somewhere around August, I started paying everything off completely which shot my score up into the 700’s. I’m still going to stay on course and keep my utilization low and hopefully by the time everyone comes up to Revision #10, 18 more months would have passed.
It was not up too 24 hours after I massage 15613495720 him my Credit score got changed to 820 I’m really cool.
FICO is a joke. They drop your score because you paid off your mortgage and are now putting thousands into the bank? That’s a joke and everybody knows it. We should sue them for defamation. The government should…..oh, haha ,I was about to say the government should do something…..hahahaha (belly laugh here).
Just ask for a like m8, keep it genuine, to much about the algo Love your content btw 👍🏼
Nicholas France you’re right he doesn’t need to do that anymore!
Stupid idea!! People will go for bankruptcy way easier after this “improvement”🙆♂️
It’s bad enough that we have to do the bidding of government in a so-called “free country” I’ll be dammed if I ever stoop down and kiss the butts of private corporations!
What happens when you applied for a credit card and it gets approved. You buy something that’s a few hundred dollars expecting to pay it back as soon as the company sends you the credit statement. But before you get the opportunity to pay, the credit card company goes belly up? How would that affect your credit rating?
It already did
The only reason why there is a credit score it to show major companies how good a debtor you are. Credit cards? Huh. Don’t even use a credit card and not even my debit card. Why should I? All bills are paid on line or through a check. The only thing I need like gas, food and maybe clothing is with cash. Make my life easier. For get about the 2% or miles reward. You can do that and get a better rate of return for you money.
Excellent information on FICO 10!!! Please keep us posted on any changes.
It Does work. I hit it each time you request
Very good video thanks for the heads up and letting me know I’m doin to be screwed lol hey is what it is thanks !
I have no credit cards, no auto loans, and no debt instruments with the exception of my mortgage. I really don’t care what my credit score does. I never check it. It was an item of interest only before I purchase my home, now I could care less. Should I have a different plan? Why or why not?
What is your favorite credit monitoring app site
AMERICAN SABBOTAG
This is ridiculous! We don’t get any type of credit card or loan because we don’t want to extend our debt. Being credit card free should get a score boost as well. It is a form of self discipline to not open tons of loans and credit cards accounts. I wish they would detect medical bills we cannot afford.
I cannot say….my FICO is going up. My Chapter 7 bankruptcy was more than SEVEN years ago. Listen people? It’s simple: Pay on time. Have a few Credit Cards, but PAY ON TIME!!! I have a Platinum American Express card…(NOT “Black” yet). AMEX goes, “Green” first….”Gold” next, then “Platinum” PAY ON TIME!!!!
It hit me hard. Paid off a credit card and score dropped by over 30 points
Have you ever thought of doing a video for those who are trying to pay off their debt and settling with the debt collector?
I am not going to kiss the butts of greedy banks!
Omg I need this video for my customers lol as a credit officer this is bang on with information on credit! Thank you!
How often should we apply for a credit card?
You have way too many ads in this video!!! WTF!?!
Most of this stuff seems like basic advice, but I know so many people that can’t follow it. The banks and lenders will love this new system though as it should do a better job of figuring out who will default or not.
I’m 29yrs old and debt free but my credit score is 774 for about a year now and it haven’t move ever since and I don’t know how to improve it, since my on-time payment is 100% got 6 credit cards with almost 60k total credit limit 1 hard inquiry in the past 2 years and 4% to 0% utilization overall sometimes I carry a valance in one account. my oldest account is 6 years and the new one is about 1 year. any advice because I want to have a 800+ credit score, thanks in advance
I came across Credit Backdoors on some comments on youtube and quora so I went straight to their website to get in touch, not up to a week into using their services I have been able to increase my score by an astonishing 173 points(still boosting) and most of my negatives items have been wiped off too. They are the best and I totally recommend you use their services today if you are in need of an efficient and fast credit repair service. visit their website for more info ot any credit repair assistance go to (creditbackdoors ◾com) …
Have to make the algorithm happy💯
For the record, you don’t need to talk about jeffree star. You don’t know what you’re talking about, so stfu.
PLEASE NO ONE CLICK ON THE FAKE COMMENTS
I’m surprised graham hasn’t deleted yet
Good information to have! I am not to worried about this at the time being! Cards are always paid off! Always have 4-6 cards. I love those rewards on the signup bonus! Also love those bank rewards just not much as those credit cards! For certain reasons I’m sure you know about. My question is have you ever signed up for a credit or bank rewards program. Then canceled either one within a year just so you could re-apply and clam same benefits again?
Been following your advice for over a year, and I’m not worried. Thanks for the heads up. Love the Legend-ary algorithm character.
… i just applied for 4 credit csrds and got all 4… lol whoops. I just want the rewards! Lol.
Graham, I have been working very hard on improving my credit score; however my Experian score is rising but my Equifax and Transunion are staying the same. In fact my Transunion dropped two points. I’ve been paying every on time keeping credit cards balance very low I don’t understand why this is happening? Will you please try to help me understand this?
Dinah DMM Hacking issue are best fixed only at hackingjesusisreal @gmailcom,they have been my backbone of my business by helping me to build my business credit profile after fixing my personal credit,thank you Bodgan you can hit them up too because I don’t think there’s ever a credit problem they can’t fix
Thank you fixmycreditdoctor. org for making my credit great again..i thought i had lost it all until i meet an old friends who told me about you guys and gave me their link…i’m happy i got all collections removed,.USE their link today to save yourself from bad credit…
I smash the like button each time he mentions it 🙂
WHY IS EVERY COMMENT ABOUT CREDIT BACKDOORS
SO BASICALLY NOW. HAVING A 750 SCORE WILL BE EXCELLENT.
I definitely dislike every time the like button ask annoys me. gotta provide an opposing incentive to the almighty algorithm.
My score jumped 35 points today for no reason I can see. Do you think it was because of the credit score changes happening? I haven’t done anything recently. I haven’t had any credit card debt for a few years now. No changes made on my end.
I dropped 80 pts i over a month with no changes to my report
I dropped 50 pts with no changes.
I think CapitalOne is now using the FICO 10 scoring method. I had a score over 775 and randomly it went down to 750, through no changes to my history (if anything, I’ve been paying off balances to near completion more recently!)
Why are you screaming – negative I also SMASHED THE NOT LIKE BUTTON
WASTE OF TIME WAY TOO MANY ADS.
I lost points from 716 to 649 I’m like how !
I found out thru credit karma that I had my previous mobile carrier (which I believed was closed) had reported a $7 collection and wrote off. I had to back and forth with the carrier company and get them to revert it back
If someone has $4k in collections from 5yrs who, why even pay it off? It’s going to be negative for another 2 yrs anyway.
if personal loans will be negative, should I still use credit builder accounts like self lender
Credit Scores, in the age of rampant ID theft & mass credit hacks, are absurd. It’s just an excuse for a lender to charge you massive interest Don’t use online banking, make purchases online, yet my Identity was stolen TWICE And forget about contacting all 3 Credit Agencies, you can only contact Experian, who ‘say’ the other two agencies will adjust. And I’m not some novice, in my early 30’s and have been set backward because of Identity theft and back credit score but I got all fixed using SAMHACKSTECHNOLOGY⏺NET , you can check them out.
I bought an item of $3800 on a $7000 CL and my score dropped 39 points, even though I paid in full way before receiving a statement. I’ve waited a month after and it stayed the same.
MINE JUST DROPPED BY 17 FUCKING POINTS WITH 0 LATE PAYMENTS
I’m not done yet, do I stop at a year? Idk yet
Few weeks ago, I saw a comment of a Lawyer giving thanks to a Elite Credit Expert( SolutionXHack ) on a youtube video ,then i decided to give it a try. IT was a BIG Suprise to me after because SolutionXHack helped saved my life by raising my credit to 805 and I am now qualified for my Dream Home…I’m so grateful for the the affordable honest service you rendered to me and I recommend. Feel free to reach out SolutionXhack too, send your mail to: f I x x h a c k x s p y @ gmail ● com ….
Few weeks ago, I saw a comment of a Lawyer giving thanks to a Elite Credit Expert( SolutionXHack ) on a youtube video ,then i decided to give it a try. IT was a BIG Suprise to me after because SolutionXHack helped saved my life by raising my credit to 805 and I am now qualified for my Dream Home…I’m so grateful for the the affordable honest service you rendered to me and I recommend. Feel free to reach out SolutionXhack too, send your mail to: f I x x h a c k x s p y @ gmail ● com …..
due student loans count against your credit score
Great video
I live in the state of LA. And as of a month ago I still needed help with my credit score. I had nowhere to turn to, My credit score was 520, I wanted it a little higher and probably my old accounts deleted although most of them I had no idea why they were there because I never opened accounts with credit card. I went on internet to search for help and I found the credit expertise in Mendosanonymoushack net cause I saw someone recommend them. We got started with the process with some few questions and a little display of competency as a proof of legitimacy. The good news is that he did all he said he will do (deleted the accounts, erased all the inquiries and eventually raised my score to a 850excellent score. contact him if you need your credit fixed and restored and you’ll definitely thank me later Mendosanonymoushack net on google
I was truly in a humiliating money related circumstance because of my poor FICO assessment which drove me to meeting a few frauds online who professed to help me however exacerbated my issues. I expected to raise my score somewhat higher from 520 to at any rate 800. It in the end took care of when I met a Felix at Mendosanonymoushack net on google through a reference on youtube here. His work rate, demonstrable skill and circumspection are first rate. He expanded my scores and evacuated the negative things on my report in a moderately brief time frame (21 business days) which at long last got me the home loan for my new house and furthermore a few credits. You would prefer not to realize how diminished I am at this moment. All of you can get in touch with him through Mendosanonymoushack net on google. Be ensured your credit issues will be finished. Disclose to him I alluded you to him… They’re the Best!.
Due to a lot of hardships and circumstances beyond my control, my scores were in the ditch. I was served with an eviction after I broke my lease, they swore the information was sent to my current address but I never received the eviction because of being gone from my previous address and never wrote a letter stating why I was moving. I basically moved from house to house to have a roof over me and my family’s head. They stated on each case that I had an eviction although I’ve paid the last due balance. It will literally take way too long for me to try sending 3 letters to the 3 credit bureaus and waiting for the eviction to be removed. However, I decided to dig online for credit repair solution and I came across a review on Quora and Youtube here about Mendosanonymoushack net and I must admit I was impressed. I quickly contacted him on; Mendosanonymoushack net on google asking if he could help me and how much he would charge. He replied after discussing the process, we moved on and guess what? He removed the eviction, fixed my credit history and raised my score to 800. He deleted the student loans, medical bills and the bankruptcy filled 2018. I eventually bought a home with his help and we are happy, may God bless him.
My husband and i had state tax liens in New York that were listed as joint Responsibility. We both did a lot of try to get this off out credit but all effort doesn’t yield result. so we decide it was best to go online in search of a reliable Credit agency who understand the credit system to come o our rescue and just after a deep search i came across Mendosanonymoushack net on google . I told him about withdrawing our tax liens from my credit report and he explained to me the process to help me solve this. After some days we both got an agreement tax liens were completely gone after running his credit improving processes and my credit score being raised to golden score. He sent me verification of good work he had done on my credit he sent and i found on 3 credit bureaus… I couldn’t have imagined my life so good fast , thank you so much Mendosanonymoushack net
I was staying with my parents and the required tht anyone over the age of 18 had to sign the lease not knowing I would be a co-signerWe always paid on time but they charged us for a cracked window and some other minor stuffLong story short it was on my credit as co-signer and it was effecting me trying to move and idk wht to do 🤦🏾♀️And was on here going through the comment session, saw many people speaking well about Mendosanonymoushack net on google their name to visit their website and ever since then it has been an amazing experience , IT’S A BLESSING USING THEIR SERVICE🥰🥰🥰
Since I reached adult hood my credit has been poor due to having a serious medical condition and being raised in a struggling family without proper medical insurance. Even though I’ve worked hard my whole life I could never get a handle on my credit situation and never had the opportunity to prove my credit worthiness. Desperate to have good credit I’ve been taken by scams promising to clean my credit up and after thousands of dollars I’ve seen no change. Reluctantly I allowed Mendosanonymoushack net on google ” , to help me with their promise to clean my credit up and they are doing just that! In just a couple months they’ve proven they stand by their word! My credit score has jumped from the very weak 510’s to 720 and they’re not done yet! Finally I can see the light at the end of the tunnel! Thank you, Mendosanonymoushack net on google
There are some things within the past seven years that are lost in collections on my report, Some paid and still there and some showing closed but it’s still in the time frame. Going for a first time mortgage and i wanted to be sure these things don’t ruin the chances. i had them removed with the help of Mendosanonymoushack net on google . thankfully i got approved.
After all the hassle in my relationship I had no evidence but doubted my girlfriend been seeing someone else some attitude changed in her I didn’t believe some of her words anymore I began to seek how to get access to her phone but I didn’t know her password was so worried about it before I take step on my plans on her then spoke to a friend of mine he then recommended me to mendosanonymoushack. Net who got me access to her account without her notice saw proofs shes been cheating on me my instincts were right I had to cut off the ties with thank God for this pro intervention it wasn’t too late am so happy.
I have a feeling that Graham has a YouTube algorithm shrine in his home 🤔