Perfect Credit Score for $0 (No Credit Repair, No “Credit Builder” BS)

Описание: Want a perfect credit score (850) without paying for credit repair, credit builder apps, or “secret hacks”? Good. Because you can build elite credit for $0 — if you follow the right system.

In this video, I break down the Zero-Dollar Perfect Credit Stack: the simple rules that raise your score by protecting what matters most (payment history, utilization, credit age, and inquiries). This is the boring-but-deadly method banks actually reward.

✅ What you’ll learn:
The #1 rule that prevents credit score disasters (autopay minimum)
How to keep utilization 1–5% (the statement close date trick)
Why you should never close old cards (and how to keep them active)
How to avoid score drops from hard inquiries
The FREE way to clean your credit report (dispute errors properly)

Optional “AZEO” method for squeezing extra points before big applications
📌 Want my 1-page checklist + tracker? Comment “CREDIT STACK” and I’ll drop it in the next video.

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