Transcript
Speaker: Yes, friends, let me remind you right away before moving on to the video. If you think that these and these videos are useful, if you see the benefits, if you think that your friends, family and friends around you can benefit, please subscribe to our channel. I'll take a like.
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Speaker: chipe st yeah par is bohimin ne everyone yup mass this video down' fighting in your sense or the ben machine A video, Well...
Speaker: There are 5 main factors that affect your personal credit
Speaker: You have to pay your bills on time. You have to pay your credit card debts, car debt, mortgage debt, etc. on time. Do not delay these. Whatever the the credit score improves more easily. and if you owe this card
Speaker: Don't say, I'll pay today, I'll pay tomorrow. In that and minimum, is the casic de geek ma yup main buy rangeja ma and and me sayre sconozu use the otus beni bede la factor
Speaker: Let's move on to the second subject. The second item is credit utilization. The credit utilization is your debt rate.
Speaker: There is The around 10%, up to 30%.
Speaker: There is a use no online online art now to sho me a buckup chiner credit up high credit. didy miss beer
Speaker: This high credit, even if you have paid all your debts, the maximum you use on that credit card Whatever the number is, If you have a $ 10 ,000 have used a of $ 9500 Even if you have used it once, then you pay it and reset it.
Speaker: You have no debt. It continues to be in the $ 9 ,500 credit report. It affects your score as high credit and even if it is low. The rule here is to stay below 30 percent, ideally around 10 -12 percent.
Speaker: This is 30 % of your credit report. It determines 30 % of your credit score, that is, your debt. The third main substance is <unk>ulla maar Inquiries Try to keep these inquiries little as possible. The more questions you have, These inquiries enter the credit report and it is perceived as if you were a person who needed credit so much.
Speaker: So do as
Speaker: Deadly. If you If possible, as I said, once a year. Try not to go beyond 2.
Speaker: Boo! The questions credit score. If you you may have to get This will also affect you. Try to keep your applications few as possible.
Speaker: The fourth issue is your credit report, length, that is, far When you receive a credit card in credit report, this credit card This credit card maturation It starts to mature 2 years later.
Speaker: After two years, we had apples standing on the wall in our primary school, if you
Speaker: Our credit
Speaker: This is one thing. Apart from that, your credit credit card, credit card credit That credit card, the first credit card is yours
Speaker: <unk> hesavanison ail du gunora caboilo aicon iptalia darenis le bi soon rekikata basedenphon ra disers or get mis mistakeky based in s mihelo or ikinji cartenzaman alllin lisa Credit that date.
Speaker: keep in mind that many people use some
Speaker: in another and the nsc carton zip target show You credit
Speaker: Do not hold your debts on credit cards for long. If possible, in the shortest time, in 3 months, in 5 months, close these debts completely. You can do this. You use your credit card. Then what do you say? If you use it again next month, you will pay again. This is normal. But you got a credit card.
Speaker: credit score. Friends, The importance of credit score
Speaker: Whatever it is in chokta shake create urum mumoam fael lo misur boviduiba anden is a we fadaollaja dino sons bashka gadash anda fa de la lariian dios and lut fan abo uun kaalla for the
Speaker: Thank you. See you in the next video.
