0 to 700 CREDIT SCORE at 18 | How to Build Your Credit

I have a 679 credit score and just got my first statement how long would it take to get me to a 700 credit score?

I messed by applying for to many credits in a couple months. 6 😢credit cards I looked desperate but in reality I was excited 😂

Are these comments real this dude said hes 40 with a 0 credit score😭

I’ll be back in a year to update

Hey so during those 8 months what were like some example of things you would buy each month to make sure you showed activity??

Great recourse. Also another tip. Don't listen to the people at the banks. I turned 18 and walked into a bank asking for a secure card. I was also starting a business at the time so they told me to apply for both. Of course, I got denied. After I got denied, they had me apply for the secured card AGAIN and got denied. 3 hard inquiries for nothing, in one month. Crazy stuff. Discover is definitely the best place to go for a first card. Don't bother with other banks or credit unions.

Got my first credit card a few months before turning 20, did this method along with a couple other things… it’s been about 6 months and I’m at a 700 credit score 🥰!! Otw to the dealership literally as I’m typing this !

I just open a checking account how long i have to wait to get a credit card?

Very wise for a young man. That is exactly how you do it. Just don’t open too many credit cards.

Can I just stay with the discover it card or is it better if I apply for more

Turning 18 this September so I’m trying to build my knowledge on credit because I do want to get my own apartment with my gf and other things, very useful video!

Is utilization rate what im not paying off. For example I have 500 credit limit and spend 5 dollars and pay it off. Is my utilization rate 0 because I payed it off.

Thank you my boy quick east and very informative

What if I didn’t get approved for discover it? (I currently use the chime credit builder)

Yo whats your background music?

Thank you for the video🙏🏽

i just turned 18 and im going to do what he says so in a year from now ill come back and edit this comment on what my credit is

my first credit was bank of America customized rewards

I’ll be back in a year and update🏃🏾‍♀️‍➡️

So I can just open the card and spend 1-2$ a month to build credit?

How long after applying for the 2 “denied” cards did you wait before applying for the Discover card? I unfortunately made the same mistake as you. Great video! Thanks!!

Seriously, thank you so much for this and for being clear about things. I’m already 24 without any type of credit so this was very helpful 😊

This should be a class in high school you need good credit for everything

thank uuu❤

700 credit score 10k limit & just turned 19 its possible‼️

Im 13 and thank you i will be using this in the future👍🏽

I’m 20 almost 21 and I haven’t started to build credit yet because I didn’t know the benefits about having a credit score. Now that it’s been explained by coworkers and family I’m ready to start and I came across your video which explained it very well on what to do and how to do it

Let me know when you get to 850. Im 24 and had a 750 score since 17. I never had anything nice and been broke most my life. I now have a $17,500 credit limit across 2 cards and I’m on route to 800+ score by the end of the month

I am turning 18 in 1 month and just found out how important building credit is. Thanks a lot 😀

Man I hope you make it big in life. What are you going for?

Thanks for the video! Im learning on ways to build my credit and this really helped.

Would there be any benefits by having multiple secured credit cards? Each card being from different establishments?

I understand that building credit takes time but i wonder if having 2 secured credit cards would make any difference opposed to just 1.

Turn 18 this September and I’m trying to learn how to build my credit

i have a 677 with student loans and 1 auto loan. i have excellent approval rate for a capital one card, outstanding approval rate for a discover. does the income make a huge difference on getting approved? i’m scared to apply🤣

Still don’t get it

Whatever you do, don't use the First Progress card. My husband is still "unscorable" after 3-4 months of paying that card off on time each month. He's from the UK, so that's why he started off with no credit score. On the video itself, EXCELLENT ADVICE.

Thank you Sir

Going tot run this out! I’ll be back in 7 months!!! I also subbed bro!!! Thank you!!!

this went so much into detail which is something most people don’t, appreciate this video!!😌

Just turned 18 and got this card before watching this video. I use it when i got out to eat and get gas so far I've only spent $35 but as soon as the charge post i pay it off. at the end of the month when they send the report to the credit bureau is it the total spend in that month counting even what been paid off or is it just what's left on the balance?
i know he said it in the video just wanted to make sure i'm understanding it correct

I am looking at how to improve my soon to be 18 year old sons credit score 👍
Thanks so much for the great info.
I will get him to apply for a secured credit card, keep his utilisation lower than 10% 👍

May 2023 - I watched this video and got the Discover Card with the 200$ limit

November 2023 - They graduated my card from 200$ to a 1800$ Credit Limit and I got FICO score of 730

May 2024 - After one year of having Discover with no late payments and a Utilization around 10-30%. My FICO score is sitting at 770.

Thank You Eman 🙌

Thank u bro

What card someone recommend? I got turned down for discover

Hey, so I applied for a credit card thinking it was the secured Discover it, but I did not pay close attention, and it turned out to be the Discover it Chrome. I am not sure what to do now. So, do I hold on to this credit card for a while, or just get the other one? I know you can’t apply for too many at once, which is bad. What do I do? Close the other credit card ?

I added my son as a authorized user he turned 18 last month and his credit is 759 so I must of done something right now I'm working on teaching him how to use his credit to get ahead

This may sound really stupid but one I get my secured card and all of that how do I pay off whatever I used on it? Would It just come out of my debit card or something?

Think you need more lighting in your set up.. good job..

Question- is it better to just get one credit card to build up a good score than after some time get another one? Or just stick to one?