Nov 242017
 

Do you need a perfect credit score?
[ Blog Post ]
Keep your cards organized: Filmed on this: Click "SHOW MORE" for full list of camera gear.

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Credit 101:

AskSebby P.O. Box:

Sebastian Fung
1450 Sutter St.
PMB 218
San Francisco, CA 94109

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Need new luggage?… Read the rest

Nov 092017
 

Today's question is: How does a large balance transfer affect my credit score?
Ask us your credit questions in the comments and find your next card at

Many credit cards have introductory balance transfer offers that are quite cheap. You'll need better credit to qualify for these cards. What happens to your credit when you open a new card and transfer one or more balances onto it?… Read the rest

Sep 222017
 

Here are 7 proven ways to boost your credit score. Some are slightly against conventional wisdom but I show them because they work.

1. Comb your credit report as described here:

2. Pay before the statement date:

3. Max out low limit cards and pay it off:

4. Get more cards from different banks. Same video as 1.
5. Get more types of credit:

6.… Read the rest

Jun 292017
 

Boost your credit score within 30 days by just paying off your credit card before the statement date. Your credit card reports information to the credit bureaus on the statement date. If you intercept this report by first paying everything off, they will report you as carrying a zero balance while being active.

Even if you pay your credit card in full and on time every month, you can benefit from this trick by making your credit utilization ratio go to zero.… Read the rest