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Recover esigning credit card

[Music] what is that my friends welcome back to the wallet monkey channel where we give you all the credit intel you need to grow your wallet now we've got like this little rebuilding credit series going on here i think it'll end up being somewhere between three to five videos i don't really know where this one's gonna fall hopefully this falls in the beginning so that the rest of the uh the videos make sense but anyways what i want to talk about and discuss is you know i've been on this credit journey myself as well and i went from a 460 to a 760. the goal originally was 800 the goal was originally to have 100k liquid on revolving credit cards i might change that i might turn my focus now and get more involved in business credit cards now that i've accomplished pretty close to what i wanted i'm not really sure so anyways just kind of going with it for now but what i wanted to share with you is a lot of the mistakes that i made rebuilding my credit i've seen others now probably hundreds of other people now at this point it seems to be these really bad ideas that are perpetuated through society that are just kind of these idioms and these ideas right that just for some reason spread out and they kind of suck and so understand that a lot of this stuff that you're hearing about that that seems to be like this common knowledge of rebuilding credit a lot of it's wrong first off and it is the slowest way for you to actually rebuild credit okay so i've shot videos about this on the past in the past rather but legitimately you could just focus on utilization and building relationships and you would get further than 99 of people trying to rebuild their credit right now lower your utilization to one percent focus on building relationships secured cards secured savings accounts high yield savings accounts money market accounts whatever pledge loans on navy fed and you would do better than 99 of people insane right okay let's dive in so things to focus on i think there's seven points here keep utilization being reported low five percent or less and you notice how this is the first one these aren't in order per se but i would definitely say that this is the most important one um especially when you got like low limit cards 200 cards 500 cards keep it low across the entire revolving profile outside of personal loans keep this to five percent or less one percent would be ideal that's really where you want to be turn key cards you want to keep long-term what do i mean by this churning right what i mean is that with a lot of these cards when you get them you need to for the first two to let's say four months you need...