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Another great credit video!!


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Watched the whole hour. It's good for re-affirming a lot of the things learned here, but didn't get any new earth-shattering details. The utilization part was a little shaky and I don't think that lady was right about 0 balances never showing... was fun to see them squirm a bit too.

I've never seen an invite to report personal income (which apparently they don't really verify) and they went by that a lot, the debt-to-income ratio. Maybe some more info on that would be nice... could be an opportunity.

Probably the most useful tidbit is the notion that even if you run a card up max every month and pay it in full every month, it will still show 100% utilization which is very bad to them.

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