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Credit Score | by Wall Street Survivor

1013 ratings | 151589 views
What is a credit score? Try understanding more at: https://www.wallstreetsurvivor.com A credit score is a three digit number that is derived from a variety of factors on a credit report. Most lending institutions will use FICO scores to determine credit worthiness. (The acronym FICO comes from the brand name of a credit score calculation created by Fair Issac & Co in1956.) Each person has three FICO scores, one from each of the three national credit bureaus: Equifax, Experian, and TransUnion. Although the scores are often similar, there are times when discrepancies on one report may throw off your credit report. Credit scores range from 300 to 850: the higher the score, the lower the perceived risk. According to Experian, the average score is between 650 and 700. Anything over 700 usually suggests good credit management. Credit scores often play an integral role when banks decide whether or not you will be approved for a loan. The scores will also affect your interest rate. Usually the lower the credit score, the higher the interest. Several key factors, each carrying its own weight, determine a credit score. According to Experian these include: Payment History: Late payments negatively affect your score. Thirty-two percent of your credit score is a result of your payment history Utilization: Twenty-three percent of your score is based upon your credit accounts. If you use large portions of your overall available balance, that is taken to indicate credit risk Balances: The amount of reported balances affects 15 percent of your score. Recent increases in balances may be an indicator of risk Depth of Credit: The length of your credit history and the types of accounts you carry makes up 13 percent of your credit score. A good mix of accounts, including instalment loans and revolving accounts, may have a positive impact on your score Recent Credit: Ten percent of your credit score is based upon the number of recently opened accounts and credit inquiries. Applying for several new accounts can be an indicator of credit risk Available Credit: The smallest factor taken into consideration is available credit. Seven percent of the overall score reflects your account balances. Learn more about Understanding Your Credit Score with Wall Street Survivor's Developing Your Credit course: http://courses.wallstreetsurvivor.com/is/23-developing-your-credit/
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Text Comments (171)
The Guy Who Exists (7 days ago)
1% good video 1% who else has credit? 98% CoMe GeT FrEe ShIt anD GoOd CrEdiT iN 30 SeConDs, NoT ScaM! [email protected]
Monette Wallerlei (25 days ago)
great service! It raised my score 91 points the first week when they reported 24 payments . because it specifically improved my payment history with transUnion . It went from 69% payments on time up to 74% . and the next month it raised again 27 points . of course, I’ve done other things to help me score such as opening 2 credit cards, keeping my credit cards with 10% utilization, and disputing all the negative reports on my file . however, credit patch helps and so far they do as they say, nothing more, nothing less . his service will become interesting when they start reporting to the other credit bureaus [email protected] .
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conasse88 (1 month ago)
Pronounced Video! It assisted me a lot!
NPC (3 months ago)
Orrrr don't be a slave and just save&pay in cash.
rsx123 (3 months ago)
$40,00 a year with a house? Fuck right off.
Ruby Dansel (3 months ago)
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i got approved for a last minute mortgage thanks to them
Alice Scort (3 months ago)
[email protected] is who you should talk to if you need to fix your credit fast but have no clue what you are doing.
pat williams (3 months ago)
i didn't think my credit score would see better days until they got it fixed.
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The Guy Who Exists (7 days ago)
Bad girl, no scamming. u big bullie
jane lewis (3 months ago)
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they got rid of my collections in a very very short period of time.
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they have helped several people especially myself and my friends.
Sufian Khan (3 months ago)
I’m 13 but I’m tryna train myself ASAP lmao
Wes Devore (4 months ago)
Cool video! I have the most comprehensive video about credit on the internet here! https://youtu.be/n3whpCdn7ys
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ERAY ATEŞ (4 months ago)
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Santiago Biyang (5 months ago)
Eyyyy Parks and Recreation
David Hesinberg (5 months ago)
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Linda Parkins (5 months ago)
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Sean Hanifin (5 months ago)
A hacker and a FICO Agent, holy moly this doesn't sound like a ridiculous scam at all. Also, who on earth would try to take out two loans at the same time. This is either a bad Russian plot or you're retarded.
Urmil Setia (5 months ago)
This is a sexists video. Fake news! Men are much more responsible money wise.
A Lucky (5 months ago)
If you truly want to repair your credit score contact Jay on email directly at [email protected] He will help you fix your credit score in few hours, He will also remove your collections and debts from your credit, He is an certified ethical hacker and a system programmer that works for fico. Don't miss this great opportunity
Tara R Houston (6 months ago)
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A Lucky (5 months ago)
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A Lucky (5 months ago)
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Duane Wood (7 months ago)
As someone who has worked for years to boost my credit score. Thanks to my parents wisdom, I have always stayed on top of my credit cards and ensured that I always pay my debt off. Managing debt like this is just one effective way to ensure you maintain a good credit score. Of course, this means you have to live within your means.
A Lucky (5 months ago)
If you truly want to repair your credit score contact Jay on email directly at [email protected] He will help you fix your credit score in few hours, He will also remove your collections and debts from your credit, He is an certified ethical hacker and a system programmer that works for fico. Don't miss this great opportunity
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A Lucky (5 months ago)
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A Lucky (5 months ago)
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Jeroen Vande Voorde (8 months ago)
I get why the loser would be denied a loan. But why would he get a higher interest rate? Seems like that would only increase the chance of him not being able to pay his debts.
A Lucky (5 months ago)
If you truly want to repair your credit score contact Jay on email directly at [email protected] He will help you fix your credit score in few hours, He will also remove your collections and debts from your credit, He is an certified ethical hacker and a system programmer that works for fico. Don't miss this great opportunity
What is a good credit score ? https://whatisagoodcreditscore.org
A Lucky (5 months ago)
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Jane Marlen von Rabenau (9 months ago)
Hi Wall Street Survivor, I was wondering who made the video? was it a company? we want to do similar one for a research project in the Dominican Republic on trash payments...
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Falnix Valencroth (9 months ago)
I like the part where you mentioned that the three credit agencies are not governmental sectors but rather private sectors. Very interesting that companies who sell my information for profit tell me how creditable I am.
Cynthia Delphson (9 months ago)
I usually do not do this, but if you are trying to improve your credit score, you should reach out to Franklin Houser, he is a credit expert who would help you increase your score in less than a month, although his methods are unethical but he gets the job done. he helped me raise my score from 525 to an 825 a massive increase by 300 points. His mail is [email protected]
Eli Brase (9 months ago)
Mouse rat
shujji shah (11 months ago)
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DanHan35 (11 months ago)
This isn't strictly true when it comes to the UK so please take with a pinch of salt. For instance, many mortgage brokers will only look at your credit score as a guide and not as a reason to decline you and some don't look at the credit score itself at all (First Direct for example), also in the UK student debt is not included in any mortgage application and is rarely checked against when applying for a loan as this student loan comes out straight from your pay. Secondly, the guy on the right has probably had more credit before and by missing a payment can be seen as more attractive to some banks and businesses as they can make loads of money from him by sending reminder letters and charges. For instance lets say the person on the left has never had any credit and has paid on time and has savings... think about it, if you where a business this would be your least attractive customer as its very likely everything will get paid in time and if she does fall behind she has savings to catch her before any trouble is caused and that trouble normally comes with charges. Also, I haven't seen a credit report yet that reports how much savings you have, neither has any company I have ever traded with ever asked for this information, even when running through extended checks. The thing that does make the difference is the affordability, this is more important that anything as this is what makes sure they company gets paid something. Another example, a company would prefer you took a loan with a free period of 6 months then started paying interest at $20/£20 a month for 6 years rather than just paying off after 6 months and making no money at all. Lastly, credit scores are completely figurative... you may have a 999 credit score but its all down to the business that all have difference criteria for there "Best Customers".
Harry Stevens (11 months ago)
I could fix a bad credit score or a bad credit debt.....That is my expertise and been doing that for years. I will need some few questions from you on how you got into debt before we proceed... my contact is [email protected]
Diontae Daughtry (11 months ago)
Thank you this was very helpful and informative 👍👍
This is a thing that fucking exists? Okay, I'm never going to the US then. God bless literally anything else!
Why would you put a woman as the fiscally responsible person and then I was the one who doesn’t give a shit? On average and have better credit scores more fiscally responsible. I’m guessing a beta fuck this video
ben williams (1 year ago)
I was a huge skeptic about credit repair companies. I had no idea which were scams or if they were even necessary. I considered trying to repair it myself but I think part of what you pay for is not having to spend hours doing it yourself. My time is precious, I heard about a hacker that hacks the credit score, deletes negative derogatory, so i gave him a try on the recommendation of a childhood friend that I met. I questioned the CRR rep heavily and was very frank about my skepticism with him. For instance, I wondered how can I get my finances/credit in order and pay your fees. He was very understanding and offered to wait until I could get the money together to start the program. I called in December and I didn't start the program until February, he was patient with me and kept in touch with me through email about once every other week, and he wasn't overbearing. his instructions were clear, he was down to earth in telling me the next steps and I saw items drop off within 1 week, I couldn't believe it. My credit improved from high 500s and low 600s to high 600s low to mid 700s. I am so glad. I've told my sister about this hacker and my mom and dad. My mom and dad have already called and plan to start as a couple(option I didn't even know they offered that's awesome and thoughtful since married people's credit can affect each other). They are starting soon. D'hacker is the only credit repair I will recommend, I am a living example. I trust him with myself and my family. you can contact him via email [email protected]
Zokizzy Foshizzy (1 year ago)
I'm in the middle: I buy whatever I want when I want, but I don't go beyond my limit. If I run out of money, I just wait till I get paid. Point of the story: don't fuck with credit. It's designed to tempt you into debt that you'll never be able to repay.
Judy Shaffer (1 year ago)
I worked with SPYGENIUS. I literally grilled them with questions because a lot of companies in the credit business are misleading! They maintained total professionalism and were very patient with me and extremely transparent. I am happy to say that My instinct did not fail me and I am very pleased with their efficiency and honesty. Now that i know it works I plan on get a couple of more lines to get me to the score I need to take my life to the next level. Thank you [email protected] COM
Cody Lewis (1 year ago)
It makes since with this video. I try to pay my bills on time every month but sometimes life happens
Julian Sayles (1 year ago)
i’m Definitely an Andy 😔💔
Thank you for great information and great videos!! I added this video in my description box on my channel as one of the greatest examples on YouTube!!
miners deal (1 year ago)
i needed access to my husbands gmail account, his business allows him travel out a lot, and i always had a feeling, it was more of a pleasure trip than business but i never had any proof, i read good reviews about whitehacker, and his expertise in hacking into email and social media accounts, i got in contact with the hacker and he gave me instructions and how to go about it, in less than 24 hours he sent me the password to my husbands emails and all my doubts were put to rest, as i found out my husband had a kid with another woman, now i know better and have filed for a divorce, i recommend you download ''wickr me'' and add up 'whitehacker'.... message him and let him know what you need done, his amazing and can fix grades and clear student loan
_ (1 year ago)
The lowest credit FICO score is 300, not 200.
Donald Poffenberger (1 year ago)
I used a hacker to increase my score, he took just 5 days to get me to 750+ from 611 well I'm glad because I needed it. If you have a fixed date to fix your credit score you can contact him at [email protected] He's reliable and fast.
Eric D (1 year ago)
The best advice for credit - don't use it!
Shelly Norman (1 year ago)
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Mart (1 year ago)
parks and rec
Joseph Cox (1 year ago)
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DOS Flash (1 year ago)
Im 18 and have a score of 725 but i only have one credit card, if i get another one will my score drop?
I PARRY U (7 months ago)
But it’s a good thing because you will have more accounts and as years go by your credit age will go up making your credit score increase
I PARRY U (7 months ago)
DOS Flash yes
Sorcerer Vaati64 (1 year ago)
This is why I get financial aid, cuz they pay and I dont have to pay back
Mimi Orbe (1 year ago)
Cheers for the Video clip! Apologies for butting in, I would love your opinion. Have you thought about - Schallingora Repair Technique Scheme (Sure I saw it on Google)? It is a good exclusive product for learning how to repair your credit without the hard work. Ive heard some decent things about it and my cousin after many years got astronomical results with it.
DarkInception (1 year ago)
"Hasn't even paid off his student loans yet." Easier said than done, even if you're financially responsible.
Elila Roy (1 year ago)
Lol I'm l watching this for math class
Eric (1 year ago)
I think Tom is worse than Andy when it comes to credit
samson david (1 year ago)
Do not allow anyone to check your credit score it was created by the elites designed to make them rich and it worked for them because you like sheep have fallen for their lies. The more money you have the better your credit score the less money you have the worse your credit score gets and the more you are going to pay.
Abby M (1 year ago)
liking for the parks and rec reference :)
Sir Nice (1 year ago)
No way the avg score in USA is 711. LOL. I bet it is closer to 600.
Caleb Block (1 year ago)
I would never date Leslie
garfield lawrence (1 year ago)
I have never been behind on my credit card payment. NEVER,MY credit score is above 740. However, at the Mall and Auto Shops I am told that my credit is not good enough for their special dicount cards etc WHAT AM I DOING WRONG?
Dieseldog (1 year ago)
garfield lawrence your income to debt ratio is probably bad meaning you don't make enough to support payments
SluggyJK (1 year ago)
So I'm currently 16 years old about to turn 17. Do you think it's a good idea for me to get a Credit Card and start building my Credit Score up?
Rita Johnson (2 years ago)
I keep telling people they can get their credit score upgraded. contact this awesome dude who helped me with mine via cehcafe. com you guys can thank me later
Miguel Samuel (2 years ago)
Rita Johnson someone recommended them for me and believe me they did a great job. My score increased thanks to them.
shantelle thorpe (2 years ago)
Any body else an 18 year old getting ready for the world and is having to google this stuff coz you dont know what it menas
MAD MOH (28 days ago)
RIGHT HERE BRO
LIVE on Lock (29 days ago)
Me too lml
+parzival That's incredible that you're starting so early! I'm sure you're going to be successful early on, as long as you continue putting in the work to learn these things!
LogicMan 143 (3 months ago)
*Slowly raises hand*
Courtney Sierra (4 months ago)
Gerhard hacking guru is the best hacking service I ever paid for, it was worth the price
igordimid (2 years ago)
At 1:00 "On the surface, however, Leslie and Andy look pretty similar." YEAH EXCEPT THAT ONE IS A GIRL AND THE OTHER IS A GUY. What is this indoctrination, what have we come to??
Ashley Geeter (2 years ago)
Before they explained the finance of Leslie and Andy that they would rule in favour of the woman, but demonize the man. Smh typical
Dwight Schrute (2 years ago)
I noticed those Parks and Recreation references.
DJ Focuz (2 years ago)
I'm 19 with a 706 Credit Score is that good?
sneaky panda (2 years ago)
thanks I guess when I get a job I'll get a credit card
James Ward (2 years ago)
lmao. this is so misinformed information. This couldn't be further from the truth. someone with lower amount of accounts open would have much lower score than someone with 10-25 accounts open(you don't have to use them at all). not only do more accounts raise it, it would lower your utilization score if your only using like 2 of them even if they are maxed out. I learned this the hard way while living with my ex. I thought i was being responsible by not taking on more credit and keeping my balances in the right ratio, but she had around 11 accounts open and that greatly helped her score to be much higher than mine even though i was much more fiscally responsible than her and not opening crazy accounts. So please inform yourself, not from just videos like this.
yup das me (2 years ago)
parks and rec
Layla A (2 years ago)
This was so helpful, thanks for teaching me things school didn't
A Lucky (5 months ago)
If you truly want to repair your credit score contact Jay on email directly at [email protected] He will help you fix your credit score in few hours, He will also remove your collections and debts from your credit, He is an certified ethical hacker and a system programmer that works for fico. Don't miss this great opportunity
Sarah Nash (10 months ago)
Hi guys, I have something to share here and i want you to make use of this opportunity. I had a total of $23,550 in student loan and credit card debt that I couldn't pay for 3 years until I was introduced to zeushackers01atoutlookdotcom ,who then asked few questions regarding fixing my credit and cleared all my debts. They also helped with bitcoins hack at a very cheap cost. I'm so happy right now and preparing to buy my first house.
Zergounette (1 year ago)
Kudos for the Video clip! Excuse me for butting in, I would appreciate your opinion. Have you heard the talk about - Schallingora Repair Technique Scheme (just google it)? It is a great one of a kind guide for learning how to repair your credit without the hard work. Ive heard some great things about it and my cousin at last got excellent results with it.
Dwight Schrute (2 years ago)
Schools are too busy teaching people how to dissect frogs and what the square root of Pi multiplied by the diameter of a circle divided by the square root of the parentheses of the first five prime numbers multiplied to the power of five is... Useful information. It'll benefit you in many ways in life. (That was sarcasm, in case you don't realize)
Broken Nose (2 years ago)
So if we get a credit card for the 1st time, will we have to pay 80% monthly for the interest?
lmewshaw (3 years ago)
At 2:10, You math is flawed.   5% annual interest will cost her ~$4/month and Andy's would be ~$166/month.
Anankin12 (7 days ago)
+A Lucky we we, will he do it even for me?
The Guy Who Exists (7 days ago)
Math dumb
A Lucky (5 months ago)
If you truly want to repair your credit score contact Jay on email directly at [email protected] He will help you fix your credit score in few hours, He will also remove your collections and debts from your credit, He is an certified ethical hacker and a system programmer that works for fico. Don't miss this great opportunity
Steven Perry (6 months ago)
BJB Gaming you didn’t
BJB Gaming (6 months ago)
U didn’t listen to it probably
Binod Paneru (3 years ago)
Good video for the understanding credit work .i also recommend for the review of Renkarter amazing finance report .Better for you if you have a search on google using a key Phrase "credit score calculator". It will really help you.
pedro gomez (3 years ago)
hey im 15 years old and i was wondering if i could get a credit card under my name and not my parents?
GMKGaming (3 years ago)
if you life in Europe just don't get a credit card
MrMundo3d (2 years ago)
why not?? I need money
Zacharie Lahmi (3 years ago)
One good way to improve a Credit Score is to consolidate his debts with a loan at a lower interest rate: https://www.peerform.com/lp/lp11/get-a-loan/
Martijn N (3 years ago)
This sounds so weird to me. I'm from the Netherlands, here we have a Credit registration too, but you don't get points for paying off your debt. You get a negative registration when you don't pay off your debt, have high loans and your credit card limit is also included in those loans. Here you get tought never to get a credit card. So this would mean that if I were to move to the US, I wouldn't be able to get a mortgage, because I don't have a lot of loans?
Hope and Light (3 years ago)
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Georgios Antonopoulos (3 years ago)
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Adnane DEMRI (3 years ago)
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shravani goudhana (3 years ago)
Great Video clip! Forgive me for chiming in, I am interested in your opinion. Have you thought about - Tarbbatigan Dominant Rotator Tip (Sure I saw it on Google)? It is a good one off guide for learning how to promote your website and get traffic fast without the normal expense. Ive heard some unbelievable things about it and my buddy  got excellent success with it.
Christina Morrow (4 years ago)
Valentine's Day Credit Tip: DO NO OBJECT TO OR CUT UP CREDIT CARDS! Having open lines of credit is actually effective with improving your credit score. For example: If you have a credit card with $100 credit limit and you use $90. You are at a 90% utilization rate, which can cause your credit to go down when CB reports. But, if you open another credit line that has a $500 credit limit (DON'T USE IT), that lowers your utilization rate to 15%, which can improve your credit score when CB report on their next cycle.
carolyn suter (2 years ago)
Christina Morrow maybe but I did it I have no bad on me I was an 820 now I am a 765 just by getting one reject two approved just on credit cards with an unlimited credit line two hard hits did it
Thomas Slee (4 years ago)
I thought it came out in recent years that there isn't really such thing as a credit score but it is more like a profile in the sense that maybe companies document troubles they have with you and this gets held by the credit agencies. Then other companies just look at the documentation to see if they want to take the deal.Surly inverters don't just look at a 3 digit score and say no if it's too low. In fact there was an article about an investment company recently that said they made massive profits by taking risky loans that "dumb Wall Street investors wouldn't touch". They probably look into the actual documentation and decide whether it fit's their company's specifications.
sironmanxx (4 years ago)
Please note the interest calculation at the end of the video is wrong.  It should state that the interest calculation is for YEARLY interest, not monthly.  Otherwise good basic info.
Denzel Golatt (4 years ago)
Love the Parks & Rec reference! Made it more understanding! Haha
Govin Artimovich (10 days ago)
i would recommend *credit patch* to anyone who has problems with repairing your credit . they have done a wonderful job in cleaning up my credit reports which in turn increased my credit score . my credit score is the best it has ever been in a long time thanks to credit patch . if you want your credit cleaned up i recommend credit patch . i just want to thank them for all they have done to clean up my credit in such a short time . every penny charged is worth to get my credit cleaned up . thank you credit patch . *[email protected] com*
Evelyn Becks (2 years ago)
Finding the right Credit Score Consultant goes a long way in establishing your credit footprint. DID YOU KNOW ? - You are paying up to 60% more for car insurance if your credit score is less than a 675? - You are paying up to 50% more interest on credit card payments if your credit score is less than 675? Am 780 and I am Proud about it . Accessgranted AT bk DOT ru Got my Credit Score Raised . I think they can help you God Bless.

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