Скачать или смотреть Zero to FICO -The Step by Ste Blueprint for Building Credit

This episode offer comprehensive guidance on establishing and improving credit for individuals with limited or no credit history. They focus on accessible financial products like secured credit cards, which require a refundable deposit and can often "graduate" to unsecured cards with responsible use, and credit-builder loans, where payments are made before the borrower receives the funds, primarily benefiting those without existing debt. The texts also detail other credit-building strategies such as using student or retail credit cards, becoming an authorized user on a trusted account, and leveraging services like Experian Boost to report utility and phone payments, though the effectiveness of these score-boosting services is debated. Across all sources, the overarching advice emphasizes the importance of timely payments, maintaining a low credit utilization ratio (ideally under 30%), and regularly checking one's free credit report for accuracy to build a strong credit profile.

Timestamps
[00:00:00] - Introduction and goals
[00:00:51] Check reports and FICO basics
[00:01:33] Payment history importance (35%)
[00:02:14] Credit utilization (30%)
[00:03:06] New credit and hard inquiries
[00:03:29] - Secured credit cards
[00:03:43] Security deposit sets limit
[00:04:02] Deposit hurdle for beginners
[00:04:20] Graduation to unsecured card
[00:04:55] - Credit builder loans
[00:05:04] Loan held in locked savings
[00:05:33] Budgeting and payment challenges
[00:05:55] CFPB finding: best for clean slate
[00:06:12] Installment credit benefits to credit mix
[00:06:39] Combining revolving and installment credit
[00:06:51] - Other starter options
[00:06:59] Student credit cards basics
[00:07:18] Approval factors and acceptable income
[00:07:41] Retail/store cards overview
[00:07:57] Low limits, high rates, usage restrictions
[00:08:12] - Alternative routes to build credit
[00:08:19] Authorized user mechanics
[00:08:45] Benefits: account age and utilization impact
[00:09:02] Major risks and warnings
[00:09:27] Experian Boost and similar services
[00:10:10] Limits of boosted scores and privacy concerns
[00:10:42] Co-signer responsibilities
[00:11:02] - Key habits and maintenance
[00:11:15] Pay in full and keep utilization low
[00:11:42] Manage debts consistently
[00:11:59] Limit new applications early
[00:12:11] Check reports and dispute errors
[00:12:28] First FICO score typically after ~6 months
[00:12:38] - Wrap-up
[00:12:46] Two core behaviors recap
[00:12:59] Choose tools and automate payments
[00:13:23] Consider starting multiple strategies simultaneously

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