How I Got A Perfect Credit Score | Tips To Improve Your Score & Save Money

here are all my tips on how to get a perfect 850 credit score and money-saving tips I've learned in my 20's! #creditscore #money

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HOW CREDIT SCORES WORK 01:25
■ On Time Payment HIstory 35%
■ Credit Card Utilization 30%
■ Average Credit History 15%
■ Types Of Credit 10%
■ Number Of Credit Inquiries 10%

HOW TO IMPROVE YOUR CREDIT SCORE FAST 03:05
■ Make Multiple Monthly Credit Card Payments: you can make more than one payment on your credit card statement. Every single payment counts as an on-time payment. If you've missed a credit payment, you can inflate your amount of on-time payments by paying your statement more often.
■ Open A Credit Card At Age 18: Start building your credit history as soon as you can! If you don't feel responsible enough, ask for a small line of credit of less than $1000.
■ Treat Your Credit Card Like A Debit Card: Pay off your credit card fully every month!
■ Keep Your Credit Cards Open: Don't close old credit cards!
■ Vary Your Credit Types: Open a mix of revolving and installment credit types. Lenders want to see that you have credit cards, student loans, auto loans, & home mortgages.
■ Keep Your Credit Card Utilization Under 10%: If you're using more than 10% of your total credit limit, start paying your credit card bills before your statement period ends.
■ Do NOT Co-sign for ANYONE: Don't do it.
■ Become An Authorized User: Piggyback off your parent's good credit by becoming an authorized user of their card. Their on-time payments and credit utilization will now be a part of your credit history.
■ Get Your Credit Card Limits Raised: If you are in good standing with your credit card company, call them and ask for your limits to be raised.

TIPS TO SAVING MONEY IN YOUR 20's 10:49
■ Plan Ahead Of Time: Stop paying for things because you procrastinated. Buy concert tickets when they go live, and stop paying for expedited shipping or food delivery. Plan ahead.
■ Get A High Yield Savings Account (HYSA): If you're only using a regular savings account you're losing money. Most HYSA are up to 5% now. My favorite if you're saving $8k plus is Robinhood with a 4.9% interest rate however, there is a $5/monthly fee. If you're saving less than that, then you should go with Apples at 4.15%. Feel free to use my Robinhood referral if you want to get 2 FREE stocks on Robinhood! https://join.robinhood.com/tiffanm216
■ Shop For Your Credit Card: Don't be scared to use a credit card. Use them to your advantage & shop for cards that earn you points or cash back! I have one with Wells Fargo that earns 1% cash back and another one from Karat that's 5% cash back on 3 categories. Karat is for content creators only, so if you're one here's a link to get invited: https://app.trykarat.com/referral/tiffany
■ Sign Up For Store Rewards: If you're not signing up for loyalty points for your fave restaurants, then you're leaving money on the table.
■ Stop The Girl Math: If you have a habit of thinking buying things with store credit, cash, or gift cards is free then change that habit. Put your cash in your account, & some stores like Target will exchange your gift cards for cash.
■ Don't Buy Something Because It's On Sale: Wait a full 24 hours before purchasing something on sale. If you still want it, get it!
■ The 30 Day Rule: For expensive items, wait a full 30 days before purchasing it. If you still want it, you deserve it!
■ Lock Up Your Money: Look into opening a CD (certified deposits). These have higher interest rates than HYSA, but your money is locked up until the term matures.
■ Pay Off High-Interest Debt First: This is the Avalanche method when paying off debts. Pay off credit cards first, then auto loans, student loans, & mortgages.
■ Don't Pay The Minimum Amount: Make lump sum payments on your debt to pay them off faster and save money.
■ Don't increase your living expenses: Just because you can spend more doesn't mean you should.
■ Don't Believe In Get Rich Quick Schemes: Don't fall into this trap! No MLMs, drop shipping, or Wall Street bets scams.
■ Share Your Subscriptions: I promise you don't need Netflix, Hulu, HBO, & Peacock at the same time.
■ 50-30-20 Rule: 50% goes towards needs, 30% wants, 20% savings
■ Make Your Money Make Money: Invest your money & buy appreciating assets

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