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Graham Stephan · Publiée le 24 septembre 2018
This is easily the most important credit card video I’ve made, costing the average person $1100 who has this happen to them, and how to avoid it for free. Enjoy! Add me on Snapchat/Instagram: GPStephan Join the private Real Estate Facebook Group: https://www.facebook.com/groups/therealestatemillionairemastermind/ Get $50 OFF FOR A LIMITED TIME with Code THANKYOU50 - The Real Estate Agent Academy: Learn how to start and grow your career as a Real Estate Agent to a Six-Figure Income, how to best build your network of clients, expand into luxury markets, and the exact steps I’ve used to grow my business from $0 to over $120 million in sales: https://goo.gl/UFpi4c So if you’re wondering what I’m talking about, no, this isn’t me telling you not to carry a credit card balance to avoid wasting money on interest. It’s not me telling you not to get cards with high annual fees without benefits…instead, I’m telling you about the importance of FREEZING YOUR CREDIT. Equifax Freeze: https://www.freeze.equifax.com/ Trasunion Freeze: https://www.transunion.com/credit-freeze Experian Freeze: https://www.experian.com/freeze/center.html Here’s how it works. You have three credit reporting agencies: Equifax, Experian, and Trasunion. When someone pulls your credit information, they’ll pulling the data from these agencies which use their own algorithms and data to calculate your credit score. Many people don’t know that they have the option to place a FREEZE on these accounts, which means that NO ONE can run your credit while the freeze is in place, which means that someone won’t be able to take out a loan, won’t be able to open up credit cards, and won’t be able to have access to that information to take advantage of. A Freeze restricts your credit report so that it can't be accessed by a new lender. If a lender can't see your credit report, they won't issue a new account in your name. Simple as that. When you freeze your account, you’d typically log in online to one of the agencies, prove it’s you who’s requesting the freeze, and you will be issued a PIN number specific to that account…the ONLY way to unfreeze that account is with that pin, which is only generated once, and something that you typically write down and save in a safe place. So whenever YOU actually want to apply for a loan, you go and unfreeze your accounts with that PIN - you get your loan - and then you can re-freeze the account after the lender runs your credit. Previously, to do this, credit reporting agencies would CHARGE YOU to do this. That was, until Congress amended the Fair Credit Reporting Act to require reporting agencies to freeze reports for no charge. Yes, it’s FREE. There’s NO REASON NOT TO DO THIS if you’re not in the middle of applying for a loan, getting new credit cards, etc. Do this. Please. I did this as soon as it was available to me, and absolutely no regrets. In addition to that, it’s important to monitor your credit report every few weeks - this is something I do anyway for fun since I like seeing my credit score go up, but consider using CreditKarma.com or CreditSesame.com - they’re both totally free and easy to use. Just sign up, turn on notifications so they send you updates anytime something is changed, and that’s it. For business inquiries or paid one-on-one real estate investing/real estate agent consulting or coaching, you can reach me at GrahamStephanBusiness@gmail.com Suggested reading: The Millionaire Real Estate Agent: http://goo.gl/TPTSVC Your money or your life: https://goo.gl/fmlaJR The Millionaire Real Estate Investor: https://goo.gl/sV9xtl How to Win Friends and Influence People: https://goo.gl/1f3Meq Think and grow rich: https://goo.gl/SSKlyu Awaken the giant within: https://goo.gl/niIAEI The Book on Rental Property Investing: https://goo.gl/qtJqFq Favorite Credit Cards: Chase Sapphire Reserve - https://goo.gl/sT68EC American Express Platinum - https://goo.gl/C9n4e3
