Here is a 150-word summary of the video, written in the tone of Bev O'Shea, a Credit Specialist:
• As a credit specialist, I've got to say - your banker may not have as good of credit as you, and they often don't know as much about the credit process as you do.
• When you're trying to get credit cards and loans, the banker themselves might not fully understand the underwriting process or their own products. You've got to be on top of your game.
• The truth is, you can get an 800 credit score in just 30-45 days with the right approach. It's not this long, drawn-out process that some bankers will tell you.
• Even with an 800 score, you may still get denied for loans if your debt-to-income ratio is too high. The banks have their own criteria that goes beyond just your credit number.
• To maximize your score, keep your credit utilization under 10%, have a mix of accounts, and make sure to keep that loan history on your report. The key is understanding how the system really works.
YouTube Url:
https://www.youtube.com/watch?v=fKqG9SmZmV4YouTube Channel:
https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAgRelated Content:
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