Video: Bandman Kevo: How To Finesse The Credit Bureau Out Of An 800+ Credit Score

[posterchild336]

Props breh! Ima subscribe to bro and watch this later.

All facts. Another good thing to do is just get a card that has 0% interest for 12-16+ months cause it’s no interest of course AND you get 12-16 payments made, that looks good on your credit history. And you pay off a large amount too.

I’ve used credit karma to dispute negative stuff back in the day when I paid off a collections account.

never do this

 

[8WON6]

This is one of the few times somebody actually told real info and not that "work hard and save" shyt or "change yo mindset" shyt. Like i always said, alot of people can tell you "A to Z" but can't tell you "A to B".

 

[MrRDU]

Seem like he be dropping knowledge but that MF was a scammer so I be weary watching him

Has a cac ever been called a scammer on here

 

[DaddyFresh]

What about all that talk about disputing negative stuff?

That works. I did it myself and disputed a old claim and they took it off no questions asked

 

[Orange cream shake]

First 3 minutes are valid. These are things I’ve done to help others build their credit. Still getting added as an authorized user by someone who is solid is difficult.

I added my husband to 3 different credit cards as an auth buyer and his credit rating is now higher than mine. He inherited my years open credit and payment history.

 

[Hawaiian Punch]

I added my husband to 3 different credit cards as an auth buyer and his credit rating is now higher than mine. He inherited my years open credit and payment history.

it’s works and again that’s your husband and he had the luxury of using your info. Not everyone has that luxury and that was the issue I was pointing out.

 

[eXodus]

That works. I did it myself and disputed a old claim and they took it off no questions asked

@Slangtonomo

yea it’s worth a shot. I didn’t even do it the sophisticated way that @DaddyFresh probably did it where you write letters and get the language tight, I just used the dispute function on experian, equifax and tranunion and got a few 4-5 year old medical collections to fall off.

didn’t work for 2 of em but they mature first quarter of 21

 

[Orange cream shake]

it’s works and again that’s your husband and he had the luxury of using your info. Not everyone has that luxury and that was the issue I was pointing out.

Do you suggest doing this for a minor once they are 18? I want my son to graduate with good credit.
My parents had me co-signing for stuff for them when I was 19. I had so much debt I couldn’t even buy myself a car. I don’t want my son to have any problems when he gets put into the real world.

 

[Hawaiian Punch]

Do you suggest doing this for a minor once they are 18? I want my son to graduate with good credit.
My parents had me co-signing for stuff for them when I was 19. I had so much debt I couldn’t even buy myself a car. I don’t want my son to have any problems when he gets put into the real world.

I definitely recommend doing this for your son. He will inherit an aged account with a credit line and good payment history. Nothing but positives. However, I would recommend you spend time educating him about credit. All that good credit history he gets can get derailed with one missed payment.

I was like you, coming from a family with bad credit and bad credit habits. They fukked me over in similar ways. They treated cards like free money that didn’t have to be paid back. Countless times our phone would cut off because we were always late paying the bills. Just buying stupid material shyt that did not offer anything tangible. Those were bad habits I inherited and had to learn later on in life how to get out of.

 

[Jaylen Tatum]

 

[Mr swag]

Broke boys need a credit score. I buy want I want in cash.

 

[Jahbarri]

I added my husband to 3 different credit cards as an auth buyer and his credit rating is now higher than mine. He inherited my years open credit and payment history.

When u take him off will it drop ?

 

[JordanWearinThe45]

never do this

Ima check these videos out, but the collections I had were petty stuff, 2 for under $200-250. One I had that was $1k plus I told them get it in blood and that one finally dropped off last year

Has a cac ever been called a scammer on here

The nikka is a known, self proclaimed scammer and openly talks/raps about it

 

[JordanWearinThe45]

I added my husband to 3 different credit cards as an auth buyer and his credit rating is now higher than mine. He inherited my years open credit and payment history.

Same this happen to me

Broke boys need a credit score. I buy want I want in cash.

 

[JordanWearinThe45]

Do you suggest doing this for a minor once they are 18? I want my son to graduate with good credit.
My parents had me co-signing for stuff for them when I was 19. I had so much debt I couldn’t even buy myself a car. I don’t want my son to have any problems when he gets put into the real world.

Hawaiian already gave you good advice but just to add on, you can add him as an auth user and just don’t give him the cards, just have his credit building in the background while coaching him. You can even take out a card in his name after your cards report on his credit and you and your husband use it and build the CL up and what not. Then when you think he’s ready, give it to him.

And when you do give him his card, go through setting up the online account. Teach him about never paying interest by knowing when his bill prints so he makes his payments before then to pay off his balance in full therefore avoiding internet charges.

Also setup his auto payment for him for at least the minimum so incase if he forgets to make a payment, he’ll be good.