Payment History is the most weighted credit factor of a credit score. Payments are the heartbeat of a credit score. Having more Payments reported each month, builds a healthy Payment History profile and keeps your credit score elevated. #PaymentHistory

Derogatory Marks like Missed Payments have LONG LASTING effects on credit scores which last for up to 7 years. While there are ways to get Missed Payments removed from credit histories, the scope of this video focuses on how to develop your own credit activity scheme and how to use additional tools like Credit Builder Loans or Authorized User Accounts (AKA Piggybacking) to hack the Payment History factor of a credit score. #CreditBuildingHack

The simplest way to start once a credit card account is opened is to use the card for small transactions and auto-pay every month. Repeat the process with other cards and watch the Payment History grow. Having more payments report in a credit history is the lifeline of any credit score. This is extremely important in the beginning of the credit journey. Too many sites pump up credit cards with lucrative signup bonuses, but these cards often have stricter approval requirements like a 750+ credit score and demonstrating the ability to consistently pay on time. Both of these conditions can be met if Borrowers focus on building their Payment History first. In time, the lucrative signup bonuses & preapproval offers will come.

Use the Authorized User trick, aka Piggybacking, to hack your way to a lengthy Payment History. See Screaming Lincolns Youtube video on Piggybacking here:
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#CreditScoreHack

NEVER spend beyond your means. Have a budget and stick to it. Use the credit activity scheme in this video to plan your own credit strategy to grow a healthy Payment History and elevate your credit score. #CreditActivityScheme

The credit system in the United States continues to evolve. It spans not just your finances, but other important facets like insurance products, rental applications, job prospects and so on. Why not use some of the easy strategies in this video to improve your credit score?

Getting an 800+ credit score is not difficult at all. With time, it will come on your own with the right strategy. It can definitely be hacked, or sped up, with a couple strategies in this video.

Where are you at in your credit journey??? Perhaps it's time to do a credit payment check and review your own credit history to see how often Lenders are reporting payments, if at all O.o Let me know how you're doing, or if I can help, in the Comments!

NO PRE-ROLL ADS
NO MID-ROLL ADS
NO ADS WHATSOEVER
NO AFFILIATE LINKS
NO PATREON
NO MEMBERSHIPS
NO REQUESTS FOR SUBS OR LIKES

JUST THE DATA. Use this data to your benefit. Watch again or watch other Screaming Lincolns videos to build your own understanding of credit.

You won't find annoying, lengthy intros for Calls-To-Action for Likes, Bell Notifications, Subscribe, or Sales Pitches in any Screaming Lincolns video, just the data. Your time is too important. Too much time is wasted in YouTube videos with Creators' lengthy intros telling Viewers to Like/Sub/Sign-up for this&that blah blah.

Please break my conchae with your fist if I ever request you, the Viewer, to "Hit that Like Button" or "Tap that Bell Notification" in any Screaming Lincolns video.

Please share this video with someone who could benefit from it. The credit game is best played in multi-player mode, as multiple signup bonuses can be scored with the right strategy. Referrals are always nice for yourself! You'll go further in your credit journey with an accountability partner, too.

Got a question? Don't be shy! Hit me up in the Comments anytime!

What are you waiting for???

~Cap

DISCLAIMER: I have NO affiliation or agreement with any of the other Lenders or Entities discussed in this video.

DISCLAIMER: This video is for informational purposes only. Consult a licensed finance professional or credit specialist as needed.

DISCLAIMER: All information presented here has not been reviewed or approved by any of the Lenders discussed in this video.

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