One of the biggest mistakes people make it not checking their credit reports until they NEED to apply for something. This delays approvals & puts you in a bad spot once you realize your report is damaged! Start monitoring your credit now before it’s too late : https://creditshield.ai

whats up everyone ! I wanted to put together a FREE credit course for you guys, teaching you everything you need to know about credit! I will be uploading a new video everyday this week . Start watching the course now with the link below https://youtube.com/playlist?list=PLWy06_akXyw1f_Mokfu2Je3n1XKvGe2Sr&si=dJNRb36PFCi8Cku3

Your credit limits are super important. Most people obsess over their score…But lenders care more about: - Total available credit - Utilization ratio - Age of high-limit accounts - Profile strength Two people can both have a 700 score: - Person A has $3,000 total limit - Person B has $75,000 total limit 👉 Person B gets approved for bigger funding, lower interest, and better terms.

https://youtu.be/gr1Ngs09Yds?si=QuCY9rpKwIK2tRM1

Asking for Increases Too Early Kills Trust rule: - Wait to have 3–6 months of clean usage - make Consistent payments during this time period - Be strategic spending (don't max cards) Then request increases before any new applications