Credit Repair

How to Improve Your Credit Score (Long-Term) as a Millennial


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Playing the long game with credit score. We recently made a post about how to aggressively increase your credit score in the short term, but what’s the best way to increase it in the long run?

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Robert Dunfee


  1. DipStick 413
    July 20, 2021 at 5:31 pm

    10/10 on the apple tree illustration. Just phenomenal.

  2. JJ Barajas
    July 20, 2021 at 5:31 pm

    🔥 fire :c

  3. Michael Leahy
    July 20, 2021 at 5:31 pm

    Do you replace an old credit line, such as a student loan, to help with the average age?

  4. Daniel A
    July 20, 2021 at 5:31 pm

    Is the blue cash preferred downgradeable to the normal cash one?

  5. Deven G
    July 20, 2021 at 5:31 pm

    It’s nothing this man doesn’t know about credit,I salute you bro everybody should subscribe his shows

  6. ashes20000098
    July 20, 2021 at 5:31 pm

    Shout out to Graham, he sent me! Thank you so much for the advice, it was very clear and concise. I understood everything.

  7. Jaina Mehta
    July 20, 2021 at 5:31 pm

    Can someone please tell me what Sebby says between 10:40 and 10:42 ? The what card? I've replayed it like 20 times.

  8. Christopher Proctor
    July 20, 2021 at 5:31 pm

    My CK score has always been 50-70 less than my FICO score but they use a DIFFERENT FICO sxoring system. They also make money of pushing crappier cards. They are essentially the loan sharks of the credit industry. Credit One anyone?👎 Had more respect for you Seb than to push CK… SMASHED THE LIKE anyway, dude!😉

  9. Kryptonite
    July 20, 2021 at 5:31 pm

    jesus. juggling 21 cards for an excellent credit score? lmao better pack those cards into bundles of three, put 18 of them in a safe, and rotate each bundle every six weeks. personally, six cards would be the upper limit of what i can track mentally. tracking more than eight would have to move to spreadsheets, which i am not prepared to commit to at this point

  10. Danielle Sullivan
    July 20, 2021 at 5:31 pm

    Thank you😘

  11. dr3amb3ing
    July 20, 2021 at 5:31 pm

    The fact that this has less than 100K views…

  12. Francisco Heredia
    July 20, 2021 at 5:31 pm

    OK so question. Let’s say I have $100 in total available credit. I have two credit cards, $50 each.
    If I max out one, is my total utilization 50%? Or do I get reported as a high risk user because I maxed one out?? The answer to this would really help me out

  13. pricilla holland
    July 20, 2021 at 5:31 pm

    Hi there any advice of how to build credit?

  14. Creative Monster
    July 20, 2021 at 5:31 pm

    Can I reopen a closed credit card if it was in good standing?

    July 20, 2021 at 5:31 pm

    My friend has a perfect credit score with one card. He pays it off every month. Simple.

  16. N
    July 20, 2021 at 5:31 pm

    What do you mean before statement closes? Are you wanting to makesure you pay whatever balance down to 0-9% before the statement is generated?

    So for example you pay in full every month, but my statement generates on the 8th of every month let's say Janurary 8th. Do you want your balance to be at 0-9% before that statement is made out? So that the Februrary due date is the amount equaling to 0-9% utilization rate?

  17. dirtyvarmint
    July 20, 2021 at 5:31 pm

    "Lack of installment loan" is holding my score back. Any suggestions?

  18. Tatiana Zoé
    July 20, 2021 at 5:31 pm

    Wow! This was excellent! Excellent explanation. I feel like I'm really understanding this credit card game. The more I learn, the more empowered I feel. Thanks, Sebby.

  19. Rene Perez
    July 20, 2021 at 5:31 pm

    Well, I tried the whole low utilization rate thing to help boost my score and it actually dropped it. I only used 5% on 1 card and 7% on the other overall 2%. So what gives? I thought it's good to report small balances

  20. Ben Gu
    July 20, 2021 at 5:31 pm

    Sebby, where do you get your shirts? just curious

  21. josiah meneghini
    July 20, 2021 at 5:31 pm

    Dude, your content is gold. There are barely any youtubers that I actually learn from when it comes to credit card maximization and strategy. Love your methodology and analysis.

  22. EPICX
    July 20, 2021 at 5:31 pm

    Life is all about self control and maximizing your time in the most beneficial areas

  23. EPICX
    July 20, 2021 at 5:31 pm

    Never signed up for a credit one cc!

  24. Lil Trey G
    July 20, 2021 at 5:31 pm

    Wait so if I got approved for a card with a limit of 300 credit, keeping my spending limit low per month and paying in full every month will increase my credit score? Also wouldn’t that make my credit limit on the card
    low since I’ll be waisting money per month

  25. Myriam Sarah
    July 20, 2021 at 5:31 pm

    I am so happy I learned this at a young age and you have been very helpful to me 🙏🏾🙏🏾

  26. Graham Ohayon
    July 20, 2021 at 5:31 pm

    Hey! I had a great track record with my credit company and then had an unemployment gap of about six months and racked up unpaid notices from my credit company. Can I recover from this?

  27. Hung Ngo
    July 20, 2021 at 5:31 pm

    Great video , I have a question. You mentioned 3 cards good for the strat. Could you recommend more cards ?