My Credit Score Was 520 — One Year Later It Was 780 (No Hacks, Just This)

Описание: My credit score used to be 520 — and it controlled everything. Renting an apartment was hard, interest rates were high, and approvals felt impossible. One year later, that same credit score was 780.

In this video, I break down exactly how I fixed my credit step by step, without scams, shortcuts, or fake credit hacks. This is a real, practical explanation of how credit scores actually work and what matters most if you want to improve yours.

You’ll learn:
How payment history affects your credit score
Why credit utilization can make or break your score
How to use secured cards and credit-builder loans correctly
When to pay credit cards for the biggest impact
How to check credit reports and dispute real errors
How long it actually takes to see results

This video is for anyone struggling with bad credit, rebuilding credit, or trying to move from average to excellent credit the right way.

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Comment below with your current credit score range and which step you’re going to start with.

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