For anyone how wants to build their credit score fast, these are the BEST credit cards currently available, all completely free – enjoy! Add me on Instagram: GPStephan – Click “Show More” to see ad disclosure
Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): https://act.webull.com/k/Vowbik9Tm5he/main
The YouTube Creator Academy:
Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://bit.ly/2STxofv $100 OFF WITH CODE 100OFF
My ENTIRE Camera and Recording Equipment:
https://www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB
FIRST: Discover It Credit Card
A “Secured” Credit Card just means you’ll put down a refundable security deposit – and in return, they’ll give you back a line of credit equal to that exact amount. Your secured credit card will get you 2% cash back on restaurants and gas stations, AND you’ll get unlimited 1% cash back on everything else. They’re also running a promotion where they will MATCH your cash back in the first year.
SECOND: The Apple Credit Card
First, there’s no annual fee…this is INSANELY important for anyone just starting out, because a LARGE part of your credit score is made up by the LENGTH OF YOUR CREDIT HISTORY. In addition to no annual fees, they’ll also give you DAILY cash back…like, 3% cash back on apple products and with select merchants. You’ll also get 2% cash back on any purchases made with Apple Pay, and then 1% cash back on everything else.
THIRD: Amazon Rewards Card
First, there’s no annual fee. If you get the Amazon Prime Rewards Card – which requires you to have a valid Amazon Prime membership to get the full benefit, you’ll get a $100 amazon gift card for signing up, and then you’ll get unlimited 5% cash back on all amazon and Whole Foods purchases, and 2% cash back at restaurants, gas stations, and drugstores…and then 1% cash back on everything else.
The OTHER card I’m referring to is just the normal Amazon Rewards Card…this is what you could get if you DON’T pay for Amazon Prime, and you’ll still get rewards….just not as much. For example, they’ll give you a $50 Amazon Credit when you sign up, 3% cash back on amazon purchases, 2% at restaurants and gas stations, and then 1% back on everything else.
FOURTH: Bank of America Cash Rewards Card.
Just like the others, there’s no annual fee. At the moment, hey’ll also give you a $200 cash bonus when you spend $1000 on the credit card within the first 90 days. THEN…if you’re already a Bank of America Preferred Rewards Member, you can get a cash back booster on the credit card, potentially turning a 3% cash back into a 5.25% reward
FIFTH: American Express Blue Cash Everyday Card
This is one of the few American Express cards that carries NO ANNUAL FEE…so it’s entirely free to use. Plus, you can earn $150 back when you spend $1000 on the card within the first 3 months. AND you’ll get 3% cash back at Supermarkets, 2% cash back at grocery stores, and 1% back on everything else.
And just to tie all of this together, if you want a step by step of what to do:
First, sign up for the Discover It Secured Card with a $200 deposit. Once you get the card, all you need to do is put a few of your normal expenses on the card each month…and then pay it off in full. You will do this for 6 months.
Second, if you want to expedite the credit building process just a little further…around the same time you apply for the Discover It card, also apply for the Capital One Secured Card.
Third, after 6 months of doing this…you’ll want to apply for either the Apple Credit Card or Amazon Credit Card. These will be your first “unsecured credit cards.” With these cards, you’ll just do the same thing as the first two…just put small expenses on it, and pay it off in full by the time it’s due.
Fourth, from there…after 8-12 months from getting your first card…go and open up the American Express Blue Cash Card.
Then, after 12 months…you should have built up enough of a credit foundation to have a score above 750!
*Some of the card links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This content does not include all credit card companies, or all available credit card offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com
source
I thank God that I meet a good and legit vendor dumpsmart on telegram I got dumps with pin from him after my payment without complaining💯
Wow !! I just got my bitcoin and working on cc's from Dumpsmill on telegram, he is honest, reliable, and trustworthy. Thanks man
I have no credit cards and my wife doesn’t either. I know that comes with challenges when we’re ready to buy a house so I want another system that can have a standardized rating system that tracks rental history, utility payments, etc but for EVERYONE to be on this system and forcing every bank and agency to use it seems dystopian.
i was in the this situation where my score denied me from buying house but i have no worries when i met Cred of 850financialassesment🎡com VIA GOOGLE
I have no credit cards and my wife doesn’t either. I know that comes with challenges when we’re ready to buy a house so I want another system that can have a standardized rating system that tracks rental history, utility payments, etc but for EVERYONE to be on this system and forcing every bank and agency to use it seems dystopian.
i was in the this situation where my score denied me from buying house but i have no worries when i met Cred of 850financialassesment🎡com VIA GOOGLE
I have no credit cards and my wife doesn’t either. I know that comes with challenges when we’re ready to buy a house so I want another system that can have a standardized rating system that tracks rental history, utility payments, etc but for EVERYONE to be on this system and forcing every bank and agency to use it seems dystopian.
i was in the this situation where my score denied me from buying house but i have no worries when i met Cred of 850financialassesment🎡com VIA GOOGLE
That invisible credit problem was what I ran into when I tried to buy my first car. Partner that with a parent with zero financial knowledge (who had to co-sign the loan so I could get the car) and I walked away with the worst ever in history interest rate on a junk car from some sketchy dealership. I basically bought 1 1/2 cars buy the time I paid off the car, I was in the dumps via credit, owed $44k in card debts and 97k in student loans and really couldn’t afford anymore Tried Lexington law a while back and that was just a mistake My cousin referred me to 850FINANCIALASSESSMENT🎡COM I’m intrigued by their honesty and service
That invisible credit problem was what I ran into when I tried to buy my first car. Partner that with a parent with zero financial knowledge (who had to co-sign the loan so I could get the car) and I walked away with the worst ever in history interest rate on a junk car from some sketchy dealership. I basically bought 1 1/2 cars buy the time I paid off the car, I was in the dumps via credit, owed $44k in card debts and 97k in student loans and really couldn’t afford anymore Tried Lexington law a while back and that was just a mistake My cousin referred me to 850FINANCIALASSESSMENT🎡COM I’m intrigued by their honesty and service
That invisible credit problem was what I ran into when I tried to buy my first car. Partner that with a parent with zero financial knowledge (who had to co-sign the loan so I could get the car) and I walked away with the worst ever in history interest rate on a junk car from some sketchy dealership. I basically bought 1 1/2 cars buy the time I paid off the car, I was in the dumps via credit, owed $44k in card debts and 97k in student loans and really couldn’t afford anymore Tried Lexington law a while back and that was just a mistake My cousin referred me to 850FINANCIALASSESSMENT🎡COM I’m intrigued by their honesty and service
I get such GREAT service every time I go to the 850financialassessment🎡com and the IRS is SO wonderful to work with. I DEFINITELY want the Government in charge of my Social Credit Score! This couldn't possibly be misused in ANY way! All the data breaches that the VA has had makes me confident that my data would be TOTALLY safe!
I get such GREAT service every time I go to the 850financialassessment🎡com and the IRS is SO wonderful to work with. I DEFINITELY want the Government in charge of my Social Credit Score! This couldn't possibly be misused in ANY way! All the data breaches that the VA has had makes me confident that my data would be TOTALLY safe!
I get such GREAT service every time I go to the 850financialassessment🎡com and the IRS is SO wonderful to work with. I DEFINITELY want the Government in charge of my Social Credit Score! This couldn't possibly be misused in ANY way! All the data breaches that the VA has had makes me confident that my data would be TOTALLY safe!
At 34 years old I finally feel ready to settle down long enough to buy a house. Unfortunately due to previous horrible stupid life decisions, I'm forced to start with a zero balance in my savings account. On the bright side, the huge amount of debt – consequence of those bad decisions will be payed off next month! 🥳 It's never too late to start saving like there's no tomorrow, and I'm really REALLY excited and motivated. Oh and Graham, fyi my emergency fund is also a done deal! by 850financialassessment dot Com group lol, i didn't made it myself
At 34 years old I finally feel ready to settle down long enough to buy a house. Unfortunately due to previous horrible stupid life decisions, I'm forced to start with a zero balance in my savings account. On the bright side, the huge amount of debt – consequence of those bad decisions will be payed off next month! 🥳 It's never too late to start saving like there's no tomorrow, and I'm really REALLY excited and motivated. Oh and Graham, fyi my emergency fund is also a done deal! by 850financialassessment dot Com group lol, i didn't made it myself
At 34 years old I finally feel ready to settle down long enough to buy a house. Unfortunately due to previous horrible stupid life decisions, I'm forced to start with a zero balance in my savings account. On the bright side, the huge amount of debt – consequence of those bad decisions will be payed off next month! 🥳 It's never too late to start saving like there's no tomorrow, and I'm really REALLY excited and motivated. Oh and Graham, fyi my emergency fund is also a done deal! by 850financialassessment dot Com group lol, i didn't made it myself
Expungement is also only once in a lifetime per state. So once you expunge once, you can’t do it again. Also, if your case can’t be expunged, it might be able to get “sealed”. Expunged = file destroyed from the court system & public system forever. Sealed = Destroyed only from public record , you can reach out to 850FINANCIALASSESSMENT on COM for the best expungement service, you will nevr regret using their srvice
Expungement is also only once in a lifetime per state. So once you expunge once, you can’t do it again. Also, if your case can’t be expunged, it might be able to get “sealed”. Expunged = file destroyed from the court system & public system forever. Sealed = Destroyed only from public record , you can reach out to 850FINANCIALASSESSMENT on COM for the best expungement service, you will nevr regret using their srvice
Expungement is also only once in a lifetime per state. So once you expunge once, you can’t do it again. Also, if your case can’t be expunged, it might be able to get “sealed”. Expunged = file destroyed from the court system & public system forever. Sealed = Destroyed only from public record , you can reach out to 850FINANCIALASSESSMENT on COM for the best expungement service, you will nevr regret using their srvice
I think you literally just saved my life Graham, I’ve been struggling to find a way out. I’m currently an N.A waiting to get certified because of covid and stuff but I support myself and my grandma. I don’t have anyone to turn to for help, I’ve been trying to save but I can’t because of bills and renting my apartment and everything. But this, literally helped me look to a brighter future. My grandma is crippled so she cannot do work or anything. Most people have parents to turn to but I don’t talk to my mom or dad. This literally helped me so much because since i met 850financialassessment🎡com the real issue i have about debt was solve in some weeks am sure before June of my birthday i will be home owner
I think you literally just saved my life Graham, I’ve been struggling to find a way out. I’m currently an N.A waiting to get certified because of covid and stuff but I support myself and my grandma. I don’t have anyone to turn to for help, I’ve been trying to save but I can’t because of bills and renting my apartment and everything. But this, literally helped me look to a brighter future. My grandma is crippled so she cannot do work or anything. Most people have parents to turn to but I don’t talk to my mom or dad. This literally helped me so much because since i met 850financialassessment🎡com the real issue i have about debt was solve in some weeks am sure before June of my birthday i will be home owner
I think you literally just saved my life Graham, I’ve been struggling to find a way out. I’m currently an N.A waiting to get certified because of covid and stuff but I support myself and my grandma. I don’t have anyone to turn to for help, I’ve been trying to save but I can’t because of bills and renting my apartment and everything. But this, literally helped me look to a brighter future. My grandma is crippled so she cannot do work or anything. Most people have parents to turn to but I don’t talk to my mom or dad. This literally helped me so much because since i met 850financialassessment🎡com the real issue i have about debt was solve in some weeks am sure before June of my birthday i will be home owner
I was interested in buying a house last November. I had to fix my credit and I didn’t prequalify to buy till March. My first house I offered was rejected, and I didn’t find a great deal till June and closed July 31st. It takes time and stressful and just a roller coaster ride! Moving and furnishing, be prepared to drop 3-5 thousand $$$ just like that. Phew … it’s expensive buying a house but it’s worth it if you do it wisely! Oh and it helps to have a good realtor that’s on your side and is positive. Same goes for the mortgage lender. I dropped my first mortgage lender because he made me feel like it was hopeless to fix my credit score to qualify. He was like… even it you pay this or that off, you still may not qualify. I dropped him and the other broker was like… here what you need to do and get done, and they followed up on my progress . Stay away from nay sayers and find a team to help you out [ 850FINANCIALASSESSMENT▪COM]
I was interested in buying a house last November. I had to fix my credit and I didn’t prequalify to buy till March. My first house I offered was rejected, and I didn’t find a great deal till June and closed July 31st. It takes time and stressful and just a roller coaster ride! Moving and furnishing, be prepared to drop 3-5 thousand $$$ just like that. Phew … it’s expensive buying a house but it’s worth it if you do it wisely! Oh and it helps to have a good realtor that’s on your side and is positive. Same goes for the mortgage lender. I dropped my first mortgage lender because he made me feel like it was hopeless to fix my credit score to qualify. He was like… even it you pay this or that off, you still may not qualify. I dropped him and the other broker was like… here what you need to do and get done, and they followed up on my progress . Stay away from nay sayers and find a team to help you out [ 850FINANCIALASSESSMENT▪COM]
I was interested in buying a house last November. I had to fix my credit and I didn’t prequalify to buy till March. My first house I offered was rejected, and I didn’t find a great deal till June and closed July 31st. It takes time and stressful and just a roller coaster ride! Moving and furnishing, be prepared to drop 3-5 thousand $$$ just like that. Phew … it’s expensive buying a house but it’s worth it if you do it wisely! Oh and it helps to have a good realtor that’s on your side and is positive. Same goes for the mortgage lender. I dropped my first mortgage lender because he made me feel like it was hopeless to fix my credit score to qualify. He was like… even it you pay this or that off, you still may not qualify. I dropped him and the other broker was like… here what you need to do and get done, and they followed up on my progress . Stay away from nay sayers and find a team to help you out [ 850FINANCIALASSESSMENT▪COM]
In Australia you don’t really have to build up your credit score, you just have to make sure you don’t do things you can get penalised for, like missing payments. You can get a mortgage without ever having any credit cards or other loans, and you won’t have a higher interest rate because you don’t have a credit history. I remove those items affecting my report reaching 850FINANCIALASSESSMENT▪COM after many years using lexington without no improvement now am glad with 810 cs
In Australia you don’t really have to build up your credit score, you just have to make sure you don’t do things you can get penalised for, like missing payments. You can get a mortgage without ever having any credit cards or other loans, and you won’t have a higher interest rate because you don’t have a credit history. I remove those items affecting my report reaching 850FINANCIALASSESSMENT▪COM after many years using lexington without no improvement now am glad with 810 cs
In Australia you don’t really have to build up your credit score, you just have to make sure you don’t do things you can get penalised for, like missing payments. You can get a mortgage without ever having any credit cards or other loans, and you won’t have a higher interest rate because you don’t have a credit history. I remove those items affecting my report reaching 850FINANCIALASSESSMENT▪COM after many years using lexington without no improvement now am glad with 810 cs
My fears about this new credit model are if they start implementing the Chinese model with this model. I’ve heard rumblings of them wanting to use your Internet search history and other social decisions that you make to be included like whether or not you get your vaccine. I know they want to implement more of a Chinese style social credit score system which would be horrific for freedoms in our country. They always make it seem like a good idea and try to spin it with the fluffy stuff but I have a feeling this goes much deeper than just helping out the little guy. I can almost guarantee this will grant people more control over our lives. I feel so lucky for coming across some guys. I was in bankruptcy and glued to crushing student loan debt which I still battle in my mid 40’s. Thanks to the team at 850FinancialAssessment⏺Com .. I am no longer in bankruptcy & all negative marks erased and to top it off they assisted me with my student loans, which I no longer have! I can now move forward in my life and live a life free of financial hardship
My fears about this new credit model are if they start implementing the Chinese model with this model. I’ve heard rumblings of them wanting to use your Internet search history and other social decisions that you make to be included like whether or not you get your vaccine. I know they want to implement more of a Chinese style social credit score system which would be horrific for freedoms in our country. They always make it seem like a good idea and try to spin it with the fluffy stuff but I have a feeling this goes much deeper than just helping out the little guy. I can almost guarantee this will grant people more control over our lives. I feel so lucky for coming across some guys. I was in bankruptcy and glued to crushing student loan debt which I still battle in my mid 40’s. Thanks to the team at 850FinancialAssessment⏺Com .. I am no longer in bankruptcy & all negative marks erased and to top it off they assisted me with my student loans, which I no longer have! I can now move forward in my life and live a life free of financial hardship
My fears about this new credit model are if they start implementing the Chinese model with this model. I’ve heard rumblings of them wanting to use your Internet search history and other social decisions that you make to be included like whether or not you get your vaccine. I know they want to implement more of a Chinese style social credit score system which would be horrific for freedoms in our country. They always make it seem like a good idea and try to spin it with the fluffy stuff but I have a feeling this goes much deeper than just helping out the little guy. I can almost guarantee this will grant people more control over our lives. I feel so lucky for coming across some guys. I was in bankruptcy and glued to crushing student loan debt which I still battle in my mid 40’s. Thanks to the team at 850FinancialAssessment⏺Com .. I am no longer in bankruptcy & all negative marks erased and to top it off they assisted me with my student loans, which I no longer have! I can now move forward in my life and live a life free of financial hardship
Interesting! I still think "credit score" is one of the greatest scams and discriminators of our time! When I paid off all my debt, my score went down significantly. Money in the bank, cash flowing paid for rental houses but nope, banks do not like that. No wonder the system went upside down! Really wanted to emote bad records and inquiries off my credit report i came across 850financialassessment🎡com just recently after i've been using Lexington Law for over two years, I'm glad i have a clean profile NOW
Interesting! I still think "credit score" is one of the greatest scams and discriminators of our time! When I paid off all my debt, my score went down significantly. Money in the bank, cash flowing paid for rental houses but nope, banks do not like that. No wonder the system went upside down! Really wanted to emote bad records and inquiries off my credit report i came across 850financialassessment🎡com just recently after i've been using Lexington Law for over two years, I'm glad i have a clean profile NOW
Interesting! I still think "credit score" is one of the greatest scams and discriminators of our time! When I paid off all my debt, my score went down significantly. Money in the bank, cash flowing paid for rental houses but nope, banks do not like that. No wonder the system went upside down! Really wanted to emote bad records and inquiries off my credit report i came across 850financialassessment🎡com just recently after i've been using Lexington Law for over two years, I'm glad i have a clean profile NOW
Wow !! I just got my bitcoin and working on cc's from Dumpsmart on telegram, he is honest, reliable, and trustworthy. Thanks man.💯
So happy I met @Darkphie on telegram he changed my life after being duped on this platform so many times he got my cards delivered to me with great balance on it so I’m so proud of him and he is the only one of the few I can vouch for here much love for him❤️he also gives tutorials on carding to beginners
You never fail with your words.Thanks so much for your help and support! *Fundsgang2* on telegram my CC as been delivered to me this morning I was like this is fuckin real man thank you so much dude am gonna vouch you more dude
You never fail with your words.Thanks so much for your help and support! *Fundsgang2* on telegram my CC as been delivered to me this morning I was like this is fuckin real man thank you so much dude am gonna vouch you more dude
So I can come across this honesty on telegram. Therealdarkfullz this is my second time of getting Cc from him so glad to know him💯💯💯