How To Get A Perfect 900 Credit Score



This video and the video series to come after are the most important and informative FICO credit score video you will watch.

Here are some incredibly important points to understand:

1) Free credit scores are not real FICO scores. If you are checking on credit karma or any other free service that is a vantage score. 90% of lenders still use FICO to make their lending decisions.

2) There are 28 different actively used FICO credit scores. I explain a few of them and help shift your focus to the one that actually matters for credit cards.

3) Most people (even the credit gurus) don’t know that the score that actually matters for credit cards (FICO 8 Bankcard) is actually out of 900 not 850. While getting a 900 is not absolutely necessary, it is important to know what factors assist you in getting there. I share every factor in the video and describe about each factor can change based on your history.

4) Your history (amount of account and payment history) matters more than your score. Once you are over a 700, increasing your score should not be the focus. The focus should be on getting as many PRIMARY personal accounts as possible and making on-time payments.

5) The new three FICO 10 scores are not currently being used. Each lender can choose which FICO they want to pull and many do not update the FICO they pull for years (if they ever do).

Please let me know what you think about this video and be sure to watch the following sequence of videos to ensure you understand each factor of credit!

#credit #FICO #creditscores

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Thanks so much for watching this video. See you on the next one!

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35 Responses

  1. Seth Kardos says:

    I thought it only went up to 850 lol

  2. Mr X says:

    You dont need multiple accounts, my credit score is 859 with only 2 cc.

  3. mark moses says:

    Paragonofficials are nothing more than a scam! Ask me how I know. Scammed me out of $300. And this post is from a plant. I have been scammed more than once. So much damage that I won't pay upfront any longer for "service" Prove that you can actually do the work first, then you get paid.

  4. Cryptoshi says:

    Great video bro. Wondering what do you use to edit your footage, really engaging..

  5. dipesh shah says:

    Beware he is a scam guy. Runs a company called http://www.0percent.com . The youtube videos are a lure technique to invest in his business. His core business is that he will help you improve credit and secure zero percent business line of credit upto $150k for 3 years. His business team claims they can help with several other things. I spoke with his team and they want $12k for his lifetime training program. So, after $12k there is no guarantee that you will be able to secure the funding. I offered the guy $18k but after i secure the funding. He declined which proves they will take the money and run. They send some testimonial videos of successful students. As per the testimony they are extremely successful, but anyone can buy fake marketing testimony videos for business. I would advise everyone to stay away from this guy.

  6. Michael Swaim says:

    Experian, discover and Fingerhut all provide free FICO 8 scores. Fingerhut is for customers only. The others are free to anyone.

  7. Tamika Ford says:

    The fact that they allow you to register online for $1 but refuse to let you unregister online the same way after the 7 day trial but gotta call an 800 number is a red flag that it's not something easy to get out of.

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  10. Dave Green says:

    Thanks for clarifying about the need to leverage each and every account below 10%, but not zero. I recently paid off all of my revolving accounts down to zero, and I'll make sure that I charge something nominal on each account, to continue with low utilization and great payment Hx!

  11. Dave Green says:

    Finally! Someone who actually cares enough to educate everyone on exactly how the US credit system work! I've got my pen and paper handy, taking notes…

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  13. Devlyn Lance says:

    What would you advise for fixing Canadian credit?

  14. christina verly says:

    For an account that was placed in collection and they refuse to remove even if you pay. how do you boost you credit score with that still on it?

  15. CRAIG CRENSHAW says:

    A 900 credit score don't even exist that's like the Easter Bunny laying eggs 850 credit scores to highest

  16. Dustin O'Daffer says:

    Let's make a deal. I tell you how the Youtube algorithm works, and you tell me how the credit score algorithm works.

  17. Dustin O'Daffer says:

    Mr. Credit Expert, at your service.

  18. Dustin O'Daffer says:

    Side note: Do you live in a hotel? The background looks like a hotel but your mic setup looks semi-permanent.

  19. Dustin O'Daffer says:

    Great video. I like your voice!

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