Researching how to build your credit score? Duane here with how to build credit TV This video is the first video in a four part series of videos regarding how to build your credit score
I'll be sure to keep the videos nice and short so we can get straight to the point regarding how to build your credit score As a matter of fact the information I'm about to share with you has allowed me to go from 5 18 to 754 in regards to my credit score So this information is absolutely free you don't have to pay for anything just your time and just watch the video so it's pretty straightforward, but before we get started I have a quick message Once again my name is Duane with how to build credit TV This channel offers 100% free information about how to go credit, how to get cash back actual cash money using credit cards, as well as credit card reviews
So this sounds like something in which you're interested be sure to subscribe and click the notification bellow so you don't miss a thing Alright so a little over four years ago my credit score was pretty horrible it was around 518 I don't remember exactly what it was because I try to forget when my credit score is that bad So what I'm gonna share in this series of videos is basically the steps I took to get my credit score from 518 to what it is right now which is 754 Okay so the first thing you want to do when you're learning how to build your credit score is you want to get a copy of your credit report and the credit report you should get you should be able to get a copy of this free One of the websites that I like to use to get my credit report is annualcreditreport
com It is absolutely free make sure you don't pay for anything don't pay for your credit score because that's also free somewhere else but the thing is make sure you go to the site annualcreditreportcom and get your credit report for free The reason why we want to get our credit report is just so that we're in the know The more information you have about your credit the more likely you will be to be able to improve your credit score and build your credit score So that's the purpose of these videos right so you definitely want to get a copy of your credit score for free and you definitely want to look at it and make sure that everything that's on your credit report is absolutely your information
And you want to make sure there's no accounts on there that you don't own and if there is you definitely want to dispute that and when you dispute that when it comes off of your credit report more than likely it will increase your credit score So this is very crucial you just want to get a copy of your credit report so that you know exactly what's going on and you're just kind of verifying that this is you and these are your accounts Once you get a copy of your credit report you want to find out your credit score okay I personally use apps like Credit Karma and I also use nerd wallet You can go online these guys have websites but I just use the app because it's just way more convenient and once again this service is absolutely free don't pay for anything just sign up you're gonna have to go to the website you're gonna have to put your information in, put your birthday social all that and then you're gonna have to also verify that this is you
So they'll ask questions that are specific to you they'll say out of these four addresses which one of these addresses are you familiar with and so one of the address will probably be you know somewhere that you've lived in the past Or it'll ask the question about a car that you owned or car that you currently own and so you'll basically be able to verify the information it's pretty straightforward And so after you do that like I said you just want to get a copy of your credit score you want to be able to know what your credit score is because basically with credit karma and nerd wallet you're able to log into the app or the website and your credit score is updated like every seven days So the purpose of getting a copy of your credit report and your and finding out your credit score is just so that we're in the know and we're very informed as to what makes up our credit score which I will talk more about in the in the upcoming videos Okay so that's pretty much it for this video I'm gonna keep it nice and short get a copy of your credit report and get access to your credit score so you can check it and be familiar with what's going on alright
Thank you so much for watching this video I will see you in the next video Alright until next time take care and be blessed Peace!