10/19/2026
This will help you get your
credit score up !!!!
If we haven’t met
my name is
Kevin Faulkner
and I own a credit repair business called
3B Credit Health.
Here are some things that we help our clients with that will
hopefully help you as well.
And increase your
credit score.
Over 30% of your
credit score is made up of payment history.
I always cringe when people say “pay your bills” when it comes to credit.
Not because they are wrong but because there’s alot
more to it.
Utilization makes up over
30% of your credit
score as well.
It can effect your credit by
as much as 100 pts if you
run up your credit card to
the max out of the blue.
It freaks out the
credit bureaus algorithms
and they think you are
having money problems.
Always remember.
The bank doesn’t care about
you or me.
They want their money
on the street but they
want it safe.
Thats why utilization
counts so much.
So if we do something
sudden we will pay for it because they don’t feel like their money is safe with us.
I know alot of us run off
credit cards so utilization
can be tough.
One thing you can do to
try to avoid getting hit
if you need to run your
cards up for a minute is pay
your bill three days before the “statement date”
instead of the “due date”.
This won’t work all the time but they usually only check utilization
once a month.
This will increase your
odds of getting under
the radar
If you are an investor or making
a big purchase like a home
or car this small hack
could save you
thousands of dollars in unwanted interest rates.
Another hack that can raise your score is to
find someone with
an older credit card that
can put you on as an
“authorized user”.
This is super cool because
it’s no danger to them ,
you never actually use the card ,
you don’t even know
the card number.
But you will get credit
for the history of the card.
Here are guidelines to determine if the card
will help you.
Is it an older card ?
This is what you want.
Aged credit makes up over
15% of your credit score.
Is it paid on time ?
A card with a negative payment history will
only hurt your score.
Stay away from that.
Is the utilization below
25% ?
If the utilization is way high and out of wack it’s probably not going to help you much.
Use this trick as a way to qualify for your own cards.
When you get a new
card of your own using
this new leverage
be selective.
Get one that you will
want to have for a lifetime.
Once it’s “aged” your
score will suffer if
you close it.
The system wants us
to have maxed out credit cards that we use.
They actually call people
that pay their bills on
time and keep their
utilization down
“dead beats” because they don’t make money off of us.
800 Credit Scores tend to have
4 to 5 revolving lines
of credit at all times.
So 4-5 credit cards.
Remember :
Paid on time
Utilization under 25%
Aged like a fine w**e.
Heres another thing to be aware of ,
my wife and I closed a Walmart card that we had
that was over ten years old
back in the day ,
before I got into
this business.
Our score dropped
in a huge way.
We didn’t know not
to close it.
It had been paid on time
It had ten years of age.
And we had good utilization.
We just didn’t know better than to close it because we didn’t want to use
it anymore.
We shouldn’t
have closed it.
If you are GOING to close
one like that because
you just don’t want to
deal with it ,
time the closing ,
to where you aren’t buying something in the next few months.
This way you don’t
get boxed into a high
interest rate and have to look for refinancing.
Hope this helps.
Hit me in the DM if you have questions.
I’ll put my website in
the first comments.
Here are some results we’ve gotten for one of our clients.
