My ONE WEEK PLAN - How to get a Perfect Credit Score for $0 | 800 + Credit for FREE

My One Week Plan - Exactly how you can increase your credit score fast and for free 🟢Ready to Buy a House & You Don't Know Where to Start? Start Here! My FREE Download: https://bit.ly/3k8xFF0
🛑Please Note: If you request a credit increase, please ask prior to the request if it will be a hard or soft credit pull. If it is a hard pull it may temporarily decrease your score. But if your goal is to improve your utilization to the desired percentage then overall if will increase over time.

🚨My Credit Playlist: https://youtube.com/playlist?list=PL6YdU_zvybVnyPze7H_3IRHNVYdztc9-m

🚨Sites and Links Mentioned in Video:
✅Get Your Free Credit Report Here:
https://www.annualcreditreport.com/
✅What I Use to Track my credit(It's Free):
https://creditwise.capitalone.com
✅Best Credit Monitoring Video - https://youtu.be/tMR4Srxoa0M
✅Dispute Letter (Dispute in Writing in your own words, Don’t Just Copy & Paste – Certified Mail with Proof of Delivery):
https://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports
✅How to Dispute and Error - https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/
✅Where to mail dispute letters: https://www.thebalance.com/where-should-i-send-credit-report-disputes-960435
✅Goodwill Letter (Put the letter in your own words, you can call company as well, DO BOTH)
https://www.thebalance.com/remove-negative-credit-report-information-960367
✅Pay for Delete: (Only do this if is necessary – Remember the older it is the less impact it has on your score)
https://www.thebalance.com/sample-pay-for-delete-letter-960563
✅Credit Freeze:
https://clark.com/credit/credit-freeze-and-thaw-guide/
✅Discover Secured Card(To Establish Credit):
https://www.discover.com/credit-cards/secured/
✅Fair Credit Reporting Law – YOUR RIGHTS BY LAW (Including 30-day and 7-year Rule, All Inaccurate information must come off and after 7 years negative information comes off):
https://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
✅NEW Medical Debt RULES:
Beginning July 1, 2022, paid medical bills will no longer be included on credit reports issued by those three companies. Unpaid bills will be reported only if they have remained unpaid for at least 12 months. Additionally, the companies announced that starting in July 2023, they will not include information furnished to them for medical bills in collection for amounts of $500 or less.
✅Advice on Collections – See below (Paying collections does NOT automatically improve your score – The older the collection is the less impact it is having on your score, a good lender can tell you what you should focus on if you want to improve your credit for a home purchase)
https://www.myfico.com/credit-education/faq/negative-reasons/should-i-pay-my-collections
https://www.thebalance.com/should-you-pay-an-old-collection-960595
https://www.credit.com/blog/8-things-debt-collectors-wont-tell-you-55045/

Ready to Buy Your First House? Watch these videos & Visit my playlists!
⭐8 Steps to Buy a House - https://youtu.be/fgUkwjA12V4
⭐ Where Should You Start? - https://youtu.be/0IOl5pAC_Gk
⭐ Most Important People in the Home Buying Process - https://youtu.be/5N70wMXgmgU
⭐ What is Included in your Mortgage Payment: https://youtu.be/P_JC8b6wKMU
⭐New Construction - https://youtu.be/QoCctKxuJxA
⭐FHA or Conventional - https://youtu.be/gXfEGPd3k4Y
⭐Buying a House with Student Loans - https://youtu.be/yunqWv1xIUU
⭐7 Day Perfect Credit Plan - https://youtu.be/4QU7g6IS7BQ
⭐Can you afford a house: DTI Ratio - https://youtu.be/S3glBuf2fRw
⭐What happens at closing -https://youtu.be/heCUdtcGMls
⭐NACA Home Buying Program -https://youtu.be/HLLluwaAfrQ
⭐Should I Rent or Buy? - https://youtu.be/NPgOyRZKfmU
⭐ Get Your Real Estate License Online- https://youtu.be/kHen6QrArwg
⭐⭐PLAYLISTS - https://www.youtube.com/c/ShaheedahHillRealEstate/playlists

🏡🏡Do you want to get your Real Estate License? This is who I used - You can get your real estate license online! Save with my Affiliate Link: colibri-real-estate.pxf.io/n1OEGa

⭐Join My First Time Buyers Facebook Group⭐
https://www.facebook.com/groups/HillsFirstTimeBuyers/members/

🟢Ready to Buy a House & You Don't Know Where to Start? Start Here! My FREE Download: https://bit.ly/3k8xFF0

🔴Real Estate Agents - Ready to get LEADS from YouTube? Get MY Top 3 Tips for YouTube Agent Success: https://mailchi.mp/b431bee215bf/my-top-3-tips-for-youtube-success