The TRUTH About FICO Credit Score, Credit Karma and Vantage Score

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  1. VIP Financial Education

    VIP Financial EducationBulan Yang lalu

    What's your credit score? Have you been doing anything to bring it higher?

  2. VIP Financial Education

    VIP Financial EducationBulan Yang lalu

    ICY-HURR, that's definitely a step in the right direction. Good work! Most credit card companies that you have a tradeline with now offer free FICO scores for their customers or if you have a mortgage, they may be offering you a free FICO score as well. I would check in with them and thanks for watching!

  3. VIP Financial Education

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    Phouse4Music, that's fantastic and thanks for sharing. Keep up the good work!

  4. ICY-HURR

    ICY-HURRBulan Yang lalu

    VIPFinancialEd Mine was 650 (on credit karma) and I raised it to 698. I’m curious to know my Fico score since it seems to be the only one that matters. Is there a free way to check with them?

  5. Phouse4Music

    Phouse4MusicBulan Yang lalu

    VIPFinancialEd 845 FICO It took me 8yrs to bring it up from a 680.

  6. Qwency Valentino

    Qwency Valentino3 hari yang lalu

    My Fico Is Better Than VantageScore

  7. VIP Financial Education

    VIP Financial Education2 hari yang lalu

    Qwency Valentino, mine is the same way. Thanks for sharing and watching the video!

  8. Anthony Rose

    Anthony RoseBulan Yang lalu

    Trust me I don’t mind paying 29.95 its investment for my credit scoring 360.00 is a true investment and I know what the 90% of lenders know so I’m not in the dark.

  9. VIP Financial Education

    VIP Financial EducationBulan Yang lalu

    Anthony Rose, yep being out of the dark about your credit score is what it's all about and thanks for watching the video!

  10. Anthony Rose

    Anthony RoseBulan Yang lalu

    No I don’t have a mortgage trying to get Investment property, that’s why I have myFICO to see my accurate scores in purchasing a home. My capital one has Credit Wise that’s Vantage Scoring.

  11. VIP Financial Education

    VIP Financial EducationBulan Yang lalu

    Anthony Rose, gotcha and per your previous comment that makes sense as long as your seeing the value in paying monthly charge then I can't argue! Thanks for sharing.

  12. Anthony Rose

    Anthony RoseBulan Yang lalu

    I pay 29.95 a month for myFICO to see where I stand

  13. VIP Financial Education

    VIP Financial EducationBulan Yang lalu

    Anthony Rose, thanks for sharing and watching the video! Do you have a mortgage company or another credit card company that provides your FICO score for free? You may want to research that and if so, cancel the $29.95 a month fee.

  14. octasian

    octasianBulan Yang lalu

    Yeah but don’t Credit Karma sells your name and email address to advertisers and other “Flim-Flam” companies?

  15. VIP Financial Education

    VIP Financial EducationBulan Yang lalu

    octasian, good question and here is a link to their privacy policy that cleary states they don't sell any customer information to anyone. Hope that helps and thanks for watching.... www.creditkarma.com/about/privacy-20190404/

  16. brock elder

    brock elderBulan Yang lalu

    I do credit repair for a living and we are actually one of the good ones. I’m in sales and am derogatory free but have ran up my balances while hating myself for it. I am going to pay these off over the next year and grab a bunch of new revolving credit one more time to have about 250k in available credit to have as back up as I go into real estate investments once my many inquiries have aged off and shortened age of account history has grown to at least two years on the new ones. What do you recommend? Four pieces, small apartment complexes, etc. also do you see a smarter strategy for my plans or huge mistakes I’m planning to make lol. I have a good reputation and have dozens of people ready to let me invest their money in real estate. Any advice on how to properly form an investment group with original members having equal share and then future investors having a paid percentage on investment vs equal share. Are you ready for a protege? Be my paid consultant? Or similar. I enjoy your videos and today you mentioned 7 figure income relating to real estate. Coach me if you can! Thanks, Brock

  17. VIP Financial Education

    VIP Financial EducationBulan Yang lalu

    Hey brock elder, thanks for sharing and the questions but my first and only recommendation at this point is to sign up for a free coaching or quick start coaching session so we can dive into your entire financial situation which includes where your at now and where you want to be with what sounds like real estate investing being the engine to get you where you want to go. You can schedule your session here: www.FreeCoachingCalendar.com and love the motivation you have in changing your financial future and look forward to speaking with you soon!

  18. brock elder

    brock elderBulan Yang lalu

    Four plexes not pieces

  19. Ralph Cochran

    Ralph CochranBulan Yang lalu

    Best video on the internet on this topic. You need to talk more about this. Would love to hear what type of loan application strategies you use with data from credit score.

  20. VIP Financial Education

    VIP Financial EducationBulan Yang lalu

    Thanks so much Ralph Cochran as I'm glad you enjoyed the video and that's a great suggestion for another video topic! Thanks for watching and sharing your thoughts as we appreciate your viewership.

  21. Mary Wakefield

    Mary WakefieldBulan Yang lalu

    Thanks Matthew, great vid as always. How can I get one of those T shirts?

  22. VIP Financial Education

    VIP Financial EducationBulan Yang lalu

    Thanks so much Mary Wakefield, very glad you enjoyed it! Underneath the video and description you should see all the VIP Financial Education merchandise available for purchase. If not, please email us at ContactUs@vipfinancialeducation.com so we can help. Thanks so much for your support as we appreciate your viewership!

  23. Raver Magik

    Raver MagikBulan Yang lalu

    Damn matt. Brought the knowledge heavy in this one.. I really didn’t know that much about vantage scoring. Personally I pay monthly for myFICO. It’s 39 a month and I use it to keep a card open and it helps me keep track of any changes and fraud. They even have identity restoration if I get hit with ID theft. Sure their are other services but for the 39 it gives me piece of mind so it’s worth it in my eyes. Other than that awesome info in the video.

  24. VIP Financial Education

    VIP Financial EducationBulan Yang lalu

    Raver Magik, glad you enjoyed it as I felt like it was time to go heavy on knowledge in this video! Yeah, I certainly know what you mean with the piece of mind aspect as sometimes that is priceless and with the added identity protection it's hard to argue as that's an ever increasing risk to all of us. Thanks again for your support and viewership as it's always much appreciated!

  25. lisa braden

    lisa bradenBulan Yang lalu

    Wondering why my score with Vantage and rules don't match what u r stating. I pay my credit cards in full every month via auto pay with the various cards. Vantage keeps sending me notes how I can up my credit score by paying off my credit cards in full each month!! Tranunion and Equifax have hard checks for each bank inquiry when I bought motorhome within days. My credit report so messed up, I cannot get through the security questions to my own account. I've written to them,filled out their own paperwork, still a terrible mess! Please,who do I complain to. It needs to b corrected.

  26. VIP Financial Education

    VIP Financial EducationBulan Yang lalu

    lisa braden, not sure what rules aren't matching up but it certainly sounds like your doing everything right to boost your credit scores. Not sure if you have something negative that's lingering on your credit report that's casuing this as it's kind of hard for me to say what may be the issue without seeing the entire report. I know you are saying that your credit report is so messed up but not sure why. Are there negatives on there that shouldn't be? If so, I would try calling each of the bureaus instead of writing them to see if you can gain any clarification. Hope this helps and keep us posted on your progress as we appreciate you watching the video and sharing your experience!

  27. Daniel Iles

    Daniel IlesBulan Yang lalu

    I never trusted the FACO scores I got with Mint or Credit karma but once I started getting into real estate and seeing that they were consistently 30 points off where my mortgages were recording I really lost all trust.

  28. VIP Financial Education

    VIP Financial EducationBulan Yang lalu

    Daniel Iles, yes there is definitely a difference between the two and thanks for sharing your experience as we appreciate you watching the video.

  29. Armandine Jacotin

    Armandine JacotinBulan Yang lalu

    Dynamite presentation. Thank you.

  30. VIP Financial Education

    VIP Financial EducationBulan Yang lalu

    Armandine Jacotin your very welcome and we appreciate you watching!

  31. ICY-HURR

    ICY-HURRBulan Yang lalu

    It sucks that my parents never educated me on credit. Every parent should and it’s insane how much misinformation both people and the banks give. I literally had a woman at the bank tell me to leave like $10 in my credit account instead of paying it off completely... it helps build credit...NOT EVEN the people at the bank know shit about credit. Wow!! Thank god for you and IDreporter. Do you ever do like workshops or group seminars? I’d like to travel and be in one and meet you. Great work on your channel btw. Love your work, thank you.

  32. VIP Financial Education

    VIP Financial EducationBulan Yang lalu

    ICY-HURR, I agree that we should have been educated about credit when growing up but my parents weren't either therefore they never taught me much. Not sure if that was the case with your parents but I do see this trend more times than I can count as it's hard for parents to teach their kids about credit without being taught themselves. It's kind of a vicious cycle in my opinion. That is a great example of how even folks at the banks with possible good intentions aren't giving very sound advice. Pretty sad! We use to give workshops and group seminars all around the country but the traveling really wore me out therefore at this point were not doing them anymore but if that changes, everyone here will be invited to attend. Thanks again for your viewership as it's much appreciated!

  33. m sway

    m swayBulan Yang lalu

    Crazy Scores: in 4 months My Fico went from a 592-633 and My Vantage from a 630-741 mid. today, Over a 110 point difference, I got a company to Clean up some things a month ago and I paid down all my cards to nearly $50 about 3 months ago. But, want to do a Cash out Refi on a Rental but that Fico will Hurt me.

  34. VIP Financial Education

    VIP Financial EducationBulan Yang lalu

    m sway, great work on paying down all your cards and thanks for sharing!

  35. xanthanx

    xanthanxBulan Yang lalu

    Mine is over 830. But, as Dave Ramsey would say, FICO score is how much you've been in debt, dummy. 😁

  36. VIP Financial Education

    VIP Financial EducationBulan Yang lalu

    xanthanx, that's a fantastic score, great job! Yeah, that's one viewpoint of Dave Ramsey I don't agreet Thanks for watching.

  37. O Cruz

    O CruzBulan Yang lalu

    🤓 loving the education on how to keep building my credit 💰🤑

  38. VIP Financial Education

    VIP Financial EducationBulan Yang lalu

    O Cruz, that's great to hear you are getting a lot out of our education. Thanks for watching!

  39. Shane Hummus - The Success GPS

    Shane Hummus - The Success GPSBulan Yang lalu

    Time to level up your credit score guys! Learn from the expert!

  40. VIP Financial Education

    VIP Financial EducationBulan Yang lalu

    Shane Hummus, as always we appreciate your comments and watching the videos. Thank you my friend!

  41. Big Willy

    Big WillyBulan Yang lalu

    First. Do not be deceived by FAKO scores!!

  42. VIP Financial Education

    VIP Financial EducationBulan Yang lalu

    Troy Jackson, thanks for watching and sharing your thoughts... assume you meant FICO!

  43. DaNiiMii

    DaNiiMiiBulan Yang lalu

    Love the info!!

  44. VIP Financial Education

    VIP Financial EducationBulan Yang lalu

    Thanks so much DaNiiMi, gald you enjoyed it and thanks for watching!