WALK WITH A WISE WOLF
Each course is quarterly durations of each course three months 90 days First quarter is the breakdown of the five parts of credit. 35% on time payment history. 30./0 utilization Debt or debt to ratio,15% credit history How long is your credit file and when did you establish credit. 10% is mixed credit mortgage, car loans, personal loans, credit card/revolving credit. Last is 10% and that is inquiries how often are you seeking new Credit. Knowing the difference between a vantage score and your Fico score. After that is individual budgeting how much money is going in how much monies coming out basics income and expenses in a spreadsheet. Knowing the difference between assets & liabilities what is your net worth? How much debt you are in, download Experian app so we can get a look at Credit score numbers. how many credit cards do you owe? And if any balance is left on any of the cards. Adding self lender for their part of the payment history 35% each month. On the 95th to the 100th day apply for tier 1 credit card credit one ,capital one ,Chase. Breakdown of APR%
Course 1
Each course is quarterly durations of each course three months 90 days. First quarter is the breakdown of the five parts of credit. 35% on time payment history.
- 30% utilization Debt or debt to ratio
- 15% credit history How long is your credit file and when did you establish credit.
- 10% is mixed credit
- mortgage,car loans, personal loans, credit card/revolving credit.
- Last is 10% and that is inquiries how often are you seeking new Credit.
Knowing the difference between a vantage score and your Fico score?
After that is individual budgeting how much money is going in how much monies coming out basics income and expenses in a spreadsheet.
Knowing the difference between assets & liabilities what is your net worth?
How much debt you are in, download Experian app so we can get a look at Credit score numbers. how many credit cards do you owe?
Adding self lender for their part of the payment history 35% each month. On the 95th to the 100th day apply for tier 1 credit card
- credit one
- capital one
- ,Chase. Breakdown of APR% annual percentage rating
- paying that off to zero for 90 days
- Using credit cards to replace your debit card and cash…
- for reasoning/proof (quantum easing )evolves
- Focus on primaries.
- No credit
- secure credit card
- from normal banking Trade lines.
- Positive payment history. Lowering utilization.
This is the time to max the credit card out, For next quarter strategy higher Credit limits. Statement dates.
Course 2 details
Starting the second quarter of the course off by focusing on
- positive habits budgeting spending
- what you need compared to what you want
- leveraging strategies to remember/remind us to live by
- The previous credit cards that you applied for the last month or 90 days you should be contacting cardholders and requesting credit line increases. What is your strategy that can better your life credit card options
- Cashback credit cards,
- travel cards,
- hotel cards,
- low interest bearing credit cards
Why Low APR is my favorite
This is my favorite because of balance transfers with combination with low APR. but that might be for the third-quarter but you’ll learn about it in this one so you’ll be prepared and better equipped next quarter.
Learning how to spread out you’re debt with due dates. Beginning of the month middle and end of the month. Statement balances and ending billing cycles important date that gets reported to the credit bureau.
Balance transfers to different strategies paying off higher APR credit cards with lower ones. Keeping your credit card under 30% utilization at all cost installed it your mind that is the credit limit combination of the end of billing cycle.
Every 91 days apply for a credit card 💳 No annual fees cards first. Watch out for credit One Capital One
- High APR% (<27.99%-32.99%)
- Middle APR%(<21.99%-26.99%)
- Low APR% (<6.99%-20.99%)
Course 3-4
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