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Video #4
This video cover how to read your credit report. it looks at what you should be looking for and making sure information is correct and consistent. as well as making sure you don't make small mistakes to avoid miscommunications.
The reason I chose this video is because I think people need to know what all the information they are looking at means and what they need to keep an eye out for. to easy too over look something you didn't realize you need to check. and this video goes in depth through all the areas to keep an eye on. The one part of the video that I feel is really important is about keeping your name consistent and how aliases can affect how the credit bureau views you.

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Video # 1
The main part of the video I want the attention to be on is the mistakes she made. that greatly effected her credit score. she also covers tips to improve your credit score as well as basic information about your credit score.
The reason I chose this video is because of the mistakes section of her video. she talks about the mistakes she's made and how they effected her credit score. I think it's good to see someone talk about there mistakes so you can avoid making them. its always good to have a direction to go. but I also think its good to see where you can come from as well.

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RAISE YOUR CREDIT SCORE 250 POINTS FAST!| EASY TIPS TO IMPROVE YOUR CREDIT SCORE ASAP + MY MISTAKES

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Video # 2
This video covers three important things you should know about your credit score. they discus the 5 factors that make up your credit. as well as how often you should be checking your credit score.
The reason I chose this video is because I feel like this is important information for everyone to have, not everyone knows these things and its important to have this information early on in life so that you can take control. particular the breakdown of what your credit is made up of so you know where this information is coming from. the video delivered the information in a condensed matter so there Is no time to get detracted and I think it makes it a vary good learning tool.

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Credit Score Tips & Advice Canada - Top Things You Need to Know About Your Credit Score

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Website #2
This website covers the basic understanding of your credit score when why we need it. it also shows you how you can access your report as well.
The reason I chose this particular website is because is wasn't too long to get through the information. it was all quite concise, and my goal is to make it as easy as possible to access all this information in a timely matter without missing anything. I felt this resource offered good coverage for that. One section I found really interesting is this and I felt like it was really good information to have is what people have access to when they see your credit report.

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Picture #1
With all of the tips given there may be pros and cons you need to weigh. for example. when you are applying for a credit limit increase it could require a hard credit check. which would effect your credit score. in a negative way, the outcome for the increase could be more beneficial then the down fall from application. but regardless you need to make sure that you are weigh the pros and cons in your personal credit situation and weather or not the tips will work for you.
The reason I chose this picture because I want everyone to take a second and make sure they are weighing the pros and cons for there personal situations first before applying any of these tips and that's why I chose a scale because weighing the options.

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Picture #2
All this information may seem like a lot but the goal is always clear getting your credit score to go up! the numbers may seem overwhelming to begin with but once you realize you have control over your credit score it really isn't as hard as it seems. I personally have gone through the highs and lows of a credit score and understand how difficult it can be.
The reason I chose this picture is because often the numbers can become overwhelming and I felt like this was a good picture to embody that as I gave some advice and motivation.

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1. What did you learn about your topic that surprised you most?
Raising my credit limits could actually help my credit score, although it may bring my score down a bit initially it never occurred to me the I could raise my credit limits to create a larger gap for my credit ratio. I did try this and as I do know some of you are younger like myself and I ran into some problems. before applying for a credit increase make sure your bank account is up to date with your current income status because for me there wasn’t one and had I just went and applied I would've been denied and taken a hit to my credit for no reason.
2. Provide a real-life example of how this topic is relevant or interesting for you.
for me personally I was one of those people who got a credit card as soon as I turned 18, I maxed it out constantly, paid some off maxed it out again. I was in this cycle for a few months. I didn’t even know I was destroying my credit score. at one point my credit score was in the 500's. this topic is something that I have personally been working on for a while before the class even began. as a 21-year-old it is hard to build good credit especially when you're living at home and you don't drive/own a car. so, for me I've been building my credit to an almost 800-point score just figuring things out on my own. so, when I saw this topic it was something I was already interested in, and I could relate to.
3. If you could pass your knowledge onto a family member or friend, what do you think is the most important thing to pass on?
I think the most important thing to pass on would be making sure they are making the minimum payments, and not missing payments on anything, even if they have to call and let their telephone company know that a payment is going to be late, it’s better than them having that go to the Credit Bureau. late payments and missed payments show you’re not capable of paying on time or managing to pay a bill and if you’re applying for something that is going to require you to be persistent with payments, they are going to look at your credit report for things like that. so, in my opinion that is probably the most important are most useful information I could give someone.

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Welcome! lets improve your credit score!

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Welcome! lets improve your credit score!

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We all get into a little bit of trouble sometimes or maybe your just trying to improve. whatever the reason, I've compiled some of what I've found to be the most useful resources to help you get your credit score as high as possible. some of the things you should expect to find is a wall flourishing with information. some of the resources I have chosen do over lap and have some of the same hacks/tricks but I think its beneficial to see it in a multitude of views as they all give different perspective. enjoy everyone!

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Sneaky? ways to improve your credit score.

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Sneaky? ways to improve your credit score.

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Website #3
Some of the things covered are beating the report dates, making multiple payments, and some different types of payment strategies. there are even still two more tips I’ll give you the chance to discover yourself their good ones! oh and of course they go into further detail so it will leave you knowledgeable and ready to go!
This website I thought was easy to follow and makes it easy to get your foot through the door to start tackling your credit score, all on your own. not only this but it will give you a lot of good strategies to be able to get a handle on things, or at least feel like you can start. One particular part of this article that drew me to it and then you want to include it because it was different from the others was finding out when your institution reported to the credit bureau so that you could pay before that and beat them to it.

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There are certain times when it pays to have the highest credit score possible. Maybe you're about to refinance your mortgage. Or maybe you're recovering from a bad credit history and you want to get approved for a credit card.

It's always good to have a healthy score, of course.

But if you're in a place where you really need to up that score as soon as possible, there are a few under-the-radar ways to speed up the process.

How to Raise Your Credit Score Fast

How long will it take to increase your credit score? It won't happen instantly, but if you follow the steps in this article your credit score will begin to go up within a couple of months. Let's get started.

1. Find Out When Your Issuer Reports Payment History

Call your credit card issuer and ask when your balance gets reported to the credit bureaus. That day is often the closing date (or the last day of the billing cycle) on your account. Note that this is different from the "due date" on your statement.

There's something called a "credit utilization ratio." It's the amount of credit you've used compared to the amount of credit you have available. You have a ratio for your overall credit card use as well as for each credit card.

It's best to have a ratio - overall and on individual cards - of less than 30%. But here's an insider tip: To boost your score more quickly, keep your credit utilization ratio under 10%.

Here's an example of how the utilization ratio is calculated:

Let's say you have two credit cards. Card A has a $6,000 credit limit and a $2,500 balance. Card B has a $10,000 limit and you have a $1,000 balance on it.

This is your utilization ratio per card:

Card A = 42% (2,500/6,000 = .416, or 42%), which is too high.

Card B = 10% (1,000/10,000 = .100, or 10%), which is awesome.

This is your overall credit utilization ratio: 22% (3,500/16,000 = 0.218), which is very good.

But here's the problem: Even if you pay your balance off every month (and you should), if your payment is received after the reporting date, your reported balance could be high - and that negatively impacts your score because your ratio appears inflated.

So pay your bill just before the closing date. That way, your reported balance will be low or even zero. The FICO method will then use the lower balance to calculate your score. This lowers your utilization ratio and boosts your score.

2. Pay Down Debt Strategically

Okay, let's build on what you just learned about utilization ratios.

In the above example, you have balances on more than one card. Note that Card A has a 42% ratio, which is high, and Card B has a wonderfully low 10% ratio.

Since the FICO score also looks at each card's ratio, you can bump up your score by paying down the card with the higher balance. In the example above, pay down the balance on Card A to about $1,500 and your new ratio for Card A is 25% (1,500/6,000 = .25). Much better!

3. Pay Twice a Month

Let's say you've had a rough couple of months with your finances. Maybe you needed to rebuild your deck (raising my hand) or get a new fridge. If you put big items on a credit card to get the rewards, it can temporarily throw your utilization ratio (and your credit score) out of whack.

You know that call you made to get the closing date? Make a payment two weeks before the closing date and then make another payment just before the closing date. This, of course, assumes you have the money to pay off your big expense by the end of the month.

Take care not to use a credit card for a big bill if you plan to carry a balance. The compound interest will create an ugly pile of debt pretty quickly. Credit cards should never be used for long-term loans unless you have a card with a zero percent introductory APR on purchases. Even then, you have to be mindful of the balance on the card and make sure you can pay the bill off before the intro period ends.

4. Raise Your Credit Limits

If you tend to have problems with overspending, don't try this.

The goal is to raise your credit limit on one or more cards so that your utilization ratio goes down. But again, this only works out in your favor if you don't feel compelled to use the newly available credit.

I also don't recommend trying this if you have missed payments with the issuer or have a downward-trending score. The issuer could see your request for a credit limit increase as a sign that you're about to have a financial crisis and need the extra credit. I've actually seen this result in a decrease in credit limits. So be sure your situation looks stable before you ask for an increase.

That said, as long as you've been a great customer and your score is reasonably healthy, this is a good strategy to try.

All you have to do is call your credit card company and ask for an increase to your credit limit. Have an amount in mind before you call. Make that amount a little higher than what you want in case they feel the need to negotiate.

Remember the example in #1? Card A has a $6,000 limit and you have a $2,500 balance on it. That's a 42% utilization ratio (2,500/6,000 = .416, or 42%).

If your limit goes up to $8,500, then your new ratio is a more pleasing 29% (2,500/8,500 = .294, or 29%). The higher the limit, the lower your ratio will be and this helps your score.

5. Mix It Up

A few years back, I realized I didn't have much of a mix of credit. I have credit cards with low utilization ratios and a mortgage, but I hadn't paid off an installment loan for a couple of decades.

I wanted to raise my score a nudge, so I decided to get a car loan at a very low rate. I spent a year paying it off just to get a mix in my credit. At first, my score went down a little, but after about six months, my score started increasing. Your credit mix is only 10% of your FICO score, but sometimes that little bit can bump you up from good credit to excellent credit.

Now, I wasn't planning on applying for credit within the next six months, so my approach was fine. But if you're refinancing your mortgage (or planning similarly something big) and you want a quick boost, don't use this strategy. This is a good one for a long-term approach.

Bottom Line

When you want to boost your credit score, there are two basic rules you have to follow:

First, keep your credit card balances low.

Second, pay your bills on time ( and in full). Do these two things and then toss in one or more of the sneaky ways above to give your score a kickstart.

And remember - you do not have to carry a balance to build a good score. If you do that, you're on a slippery slope to debt.

More Stories You Might Enjoy From Clark.com:

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5 Sneaky Ways to Improve Your Credit Score - Clark Howard

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There are certain times when it pays to have the highest credit score possible. Maybe you're about to refinance your mortgage. Or maybe you're recovering from a bad credit history and you want to get approved for a credit card. It's always good to have a healthy score, of course.

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Website #4
What to expect from this website. some of the things you will find in this article are discussions about micro payments, benefits of becoming an authorized user as well as the impotence of longevity of credit.
The reason I chose this website is because I felt like it offered one particular point that I had never heard to request to become an authorized user, it was also matched with bunch of really beneficial commonly used tips. the information is displayed in a way the is concise and easy to navigate. it just over all felt like a good resource to use in this scenario.

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If your credit score is lower than you'd like, there may be quick ways to bring it up. Depending on what's holding it down, you may be able to tack on as many as 100 points relatively quickly.

See what powers your credit

Check your free credit score, get personalized insights. Weekly updates let you track your progress.

Can you improve your credit by 100 points?

If you're struggling with a low score, you're better positioned to quickly make gains than someone with a strong credit history.

Is a 100-point increase realistic? Rod Griffin, director of public education for credit bureau Experian, says yes. "The lower a person's score, the more likely they are to achieve a 100-point increase," he says. "That's simply because there is much more upside, and small changes can result in greater score increases."

And if you're starting from a higher score, you likely don't need a full 100 points to make a big difference in the credit products you can get. Simply continuing to polish your credit can make life easier, giving you a better chance of qualifying for the best terms on loans or credit cards.

If you miss a payment by 30 days or more, call the creditor immediately. Arrange to pay up if you can and ask if the creditor will consider no longer reporting the missed payment to the credit bureaus.

Even if the creditor won't do that, it's worth getting current on the account ASAP. Every month an account is marked delinquent hurts your score. Fortunately, the impact of a missed payment fades over time. Showing lots of positive credit behaviors after a misstep can help offset the damage more quickly and eventually improve your credit.

A mistake on one of your credit reports could be pulling down your score. Fixing it can help you quickly improve your credit.

Another method that can be used either to build credit from scratch or improve your credit is by using a secured credit card. This type of card is backed by a cash deposit; you pay it upfront and the deposit amount is usually the same as your credit limit. You use it like a normal credit card, and your on-time payments help your credit. Choose a secured card that reports your credit activity to all three credit bureaus. You may also consider looking into alternative credit cards that don't require a security deposit.

See what powers your credit

Check your free credit score, get personalized insights. Weekly updates let you track your progress.

About the author: Bev O'Shea writes about credit for NerdWallet. Her work has appeared in the New York Times, Washington Post, MarketWatch and elsewhere. Read more

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8 Ways to Build Credit Fast - NerdWallet

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If your credit score is lower than you'd like, there may be quick ways to bring it up. Depending on what's holding it down, you may be able to tack on as many as 100 points relatively quickly. See what powers your credit Check your free credit score, get personalized insights.

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Website #1
What to expect from this website. some of the things it covers is, what's  impacting your score and along with in-depth information about a few of those things, as well as how to properly figure out what percentage of your credit you are using. and then touching on some different types of  credit.
This website in particular I thought would be vary useful because it us information directly sourced from the government. it is always a good idea to get some information from a reliable source. this one is one we know we can trust. The section on using credit wisely and how much of your credit you should be using is one of the main reasons I chose this source.

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Monitoring your payment history

Your payment history is the most important factor for your credit score.

To improve your payment history:

always make your payments on time

make at least the minimum payment if you can't pay the full amount that you owe

contact your lender right away if you think you'll have trouble paying a bill

don't skip a payment even if a bill is in dispute

Get electronic alerts from your financial institution

Your financial institution may send you an electronic alert when the credit available on your credit card falls below a certain amount.

These alerts may help you manage your day-to-day finances, such as your credit payments.

Learn more about these electronic alerts.

Using credit wisely

Don't go over your credit limit. If you have a credit card with a $5,000 limit, try not to go over that limit. Borrowing more than the authorized limit on a credit card may lower your credit score.

Try to use less than 30% of your available credit. It's better to have a higher credit limit and use less of it each month.

For example, suppose you have a credit card with a $5,000 limit and an average borrowing amount of $1,000. Your credit usage rate would be 20%.

If you use a lot of your available credit, lenders see you as a greater risk. This is true even if you pay your balance in full by the due date.

Improving your credit history

The longer you have a credit account open and in use, the better it is for your score. Your credit score may be lower if you have credit accounts that are relatively new.

If you transfer an older account to a new account, credit bureaus consider the new account as new credit.

For example, some credit card offers come with a low introductory interest rate for balance transfers. The new card on which you transfer your current balance is considered a new credit product.

Consider keeping an older account open even if you don't need it. Use it from time to time to keep it active. Check your credit agreement to make sure there is no fee if you keep the account open.

Limiting your number of credit applications or credit checks

Credit inquiries, also known as credit checks, count toward your credit score. It's normal and expected that you'll apply for credit from time to time. When lenders and others ask a credit bureau for your credit report, they record it as an inquiry.

If there are too many credit checks on your credit report, lenders may think that you're:

urgently seeking credit

trying to live beyond your means

To control the number of credit checks on your report:

limit the number of times you apply for credit

get your quotes from different lenders within a 2-week period when shopping around for a car loan or a mortgage. Credit bureaus will combine and treat your inquiries as a single inquiry for your credit score

apply for credit only when you really need it

"Hard hits" versus "soft hits"

"Hard hits" are credit checks that appear on your credit report and count toward your credit score. Anyone who views your credit report will see these inquiries.

Examples of hard hits include:

credit card applications

some rental applications

some employment applications

"Soft hits" are credit checks that appear on your credit report. They're recorded on your credit report but only you can see them. These credit checks don't affect your credit score.

Examples of soft hits include:

requesting your own credit report

businesses checking your credit report to update their records about an existing account you have with them

Diversifying your credit

Your score may be lower if you only have one type of credit product, such as a credit card.

It's better to have a mix of different types of credit, such as:

A mix of credit products may improve your credit score. Make sure you're able to pay back any money you borrow. Otherwise, you might end up hurting your score by taking on too much debt.

Related links

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credit score; credit check; improving credit score; credit score check; how to build credit; how to improve your credit score; how to increase your credit score; how to raise credit score; how to increase my credit score; how to improve my credit score; how to build your credit score; how can i increase my credit score; how to get a better credit score; how to build a good credit score

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What affects your credit score and how to improve it.

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Video #3
Some of the things covered in this video are where lenders get info on whether or not they will want to lend to you and what effects there decision. as well as the fastest ways to improve our credit scores through corrections and regular maintenance.
This is my favourite resource, i think it is the easiest to understand and gets straight to the point. its also not a vary long video so it makes it easy to access in a short amount of time. if your only going to pick one this is the one I suggest.  One thing in this video that I didn't see in a lot of other sources was to try and get late payments removed from you account. overall all the information in the video is useful for a multitude of different credit scenarios. so I feel it is an amazing resource.

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How To Improve Your Credit Score In Canada | Ultimate Guide To Increasing Your Credit Score 2020