Скачать или смотреть 1 Small Mistake That Cost Me 50 Credit Score Points

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Banks don’t want you to know how credit scores really work.
In this video, I reveal:
The hidden rules of credit utilization
Why closing old accounts can damage your score
The shocking truth: being debt-free isn’t rewarded
How hard inquiries secretly hurt you
My personal story of losing 50 points in one mistake


00:00 – Intro: The truth banks won’t tell you
00:24 – Why credit scores really exist
01:07 – The #1 factor: Credit utilization
02:07 – Why closing accounts is a mistake
02:32 – The trap of balance transfers
03:11 – Why being debt-free isn’t rewarded
03:31 – Cash-only spenders are “invisible”
03:56 – Hard inquiries explained
04:16 – Different credit scores exist
04:43 – Action steps to play smart
05:20 – Recap: Flip the system in your favor
05:57 – My personal 50-point mistake
06:34 – Lessons learned