Unlocking the Power of Credit: How I Raised My Score to 800 and Built a 7-Figure Portfolio
Circle of Greatness with Nehemiah Davis
Nehemiah Davis
4.9 • 867 Ratings
🗓️ 29 May 2023
⏱️ 10 minutes
🧾️ Download transcript
Summary
In this video, from Ep. 23 of Circle of Greatness with Nehemiah Davis, Kenneth "Smitty the Goat" Smith shares his secrets to unlocking the power of credit, how he raised his credit score to 800, built a 7-figure portfolio and his personal journey of learning about credit after making some costly mistakes.
Discover how a friend's success story inspired him to dive deep into understanding credit scores, building credit, and leveraging it to achieve incredible financial opportunities.
If you've ever wondered how to achieve an impressive credit score like 800 or maximize the potential of your credit, this video is a must-watch. Join us on this journey of credit enlightenment, where we share secrets, strategies, and success stories that can empower you to take control of your financial future.
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Transcript
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| 0:00.0 | I learned about credit after I messed it up. |
| 0:02.0 | He came back and showed me that he got approved for $20,000 on one car. |
| 0:06.5 | I got a credit line 20 grand. |
| 0:08.5 | Oh, you've got to prove for $20,000. |
| 0:10.5 | So you tell me I got 20 grand right now that I can go invest get an Airbnb if I want to buy an |
| 0:16.7 | investment property if I want to your money needs to be like an employee should always be |
| 0:20.6 | working for you. |
| 0:21.6 | It has to work or it has to work. |
| 0:25.0 | What made you get into credit? |
| 0:27.0 | And I gotta ask though, you got a 800 credit score. |
| 0:30.0 | I saw that. |
| 0:31.0 | It had your name up top. |
| 0:32.0 | There was no cap on that. Yeah, yeah, yeah. So what I want to do is I want you to talk about like one I need to know how do I get a 800 I got a 783 or something and they say it's hard to get a 800 and you younger than me |
| 0:50.1 | So I don't know am I missing up I did have a late payment before. |
| 0:53.8 | Oh then that's the that's the number one issue. |
| 0:55.4 | All right I had to lay payments is the worst and they were like 70s. |
| 0:59.3 | You know how the late payment got me though? |
| 1:01.1 | I got well one of them was that I'm in no credit card that I'm happy to say that |
| 1:06.8 | other than American Express every month but personal utilization 1% have no |
| 1:12.0 | utilization utilization utilization 1% have no utilization |
| 1:13.0 | utilization and I had this advantage aviator car bro and it hit my credit |
| 1:20.0 | two years in a row the annual fee and they charged me for that they charge you a lay payment for the not paying an annual fee on time. |
... |
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