whats up everyone ! I wanted to put together a FREE credit course for you guys, teaching you everything you need to know about credit! I will be uploading a new video everyday this week . Start watching the course now with the link below https://youtube.com/playlist?list=PLWy06_akXyw1f_Mokfu2Je3n1XKvGe2Sr&si=dJNRb36PFCi8Cku3

Your credit limits are super important. Most people obsess over their score…But lenders care more about: - Total available credit - Utilization ratio - Age of high-limit accounts - Profile strength Two people can both have a 700 score: - Person A has $3,000 total limit - Person B has $75,000 total limit 👉 Person B gets approved for bigger funding, lower interest, and better terms.

https://youtu.be/gr1Ngs09Yds?si=QuCY9rpKwIK2tRM1

Asking for Increases Too Early Kills Trust rule: - Wait to have 3–6 months of clean usage - make Consistent payments during this time period - Be strategic spending (don't max cards) Then request increases before any new applications

If you’re with Navy Federal, they have something called a Pledge Loan that can help boost your score without any risk. You can borrow your own money and pay it back monthly. Then the bank reports it as an installment loan. That helps your credit look stronger. Most people see 50–90 point jumps over time depending on their situation.