❗❗UPDATE: YOU ARE ALLOWED 4 PLEDGE LOANS AT A TIME PER SAVINGS ACCOUNT❗❗
@deethaflyguy
Жыл бұрын
That’s what I was about to attack this comment and reply 😂yes that is correct u can have 4 at the same time
@dopeboyp3487
Жыл бұрын
Good to know, thanks!
@Almazk9
10 ай бұрын
Navy fed says there is no limit of savings accounts that you can have with them so if you can open 4 pledge loan per savings account then you can open another savings account and open 4 more pledge loans using the same funds so basically there are no limits of how many pledge loan you can have. Is it correct?
@gday552000
9 ай бұрын
Thank you for the information. This helps a lot. I'm starting with 300.00 for the pledge loan and paying on it weekly. Then, after 30 days. 90% will be paid. I have to build my credit to get a house for my mother in Baltimore, MD.
@freddie2wavvy
29 күн бұрын
I did it with $3800 and my score went from a 540 to a 643 🎉
@noxz_000
20 күн бұрын
how much money did the loan give you
@freddie2wavvy
20 күн бұрын
@@noxz_000 $3800
@enosanson5007
17 күн бұрын
Over what period of time?
@deethaflyguy
Жыл бұрын
Best move in my opinion is to take out 4 pledge loans for the amount of $250 ea. wait until it hit ur account, then pay 90% back and auto pay the remainder for the next 6 months. Big results.
@terrymckenzie5153
Жыл бұрын
Did you try doing the cash hack platform yet o fid cash hack just some days back and I got paid $20,000 in just a few hours
@MOLEGGZ74
Жыл бұрын
na i Rather hold it over 5 years paying 90-95% off in 1st month… If you pay it off quick defeats the purpose your score will tank …
@blacketernal7139
8 ай бұрын
@@MOLEGGZ74 Amen. Doing the pledge loan constantly, will lower your credit age, EACH time you take one out. I agree with you, the 5 year plan is better. 🤷🏿♂️
@sayyedal-afghani
7 ай бұрын
Go big or go home with pledge loans. Great credit isn't a sprint, it's a marathon. Having accounts constantly opening and closing vs. having long term accounts; small loan amounts vs. large loan amounts; paying off quickly vs.paying 80-90% and slowly paying the rest: Those are the things which make the difference between a good and an excellent credit score.
@collinjackson7758
4 ай бұрын
Hello… I’m going to get a Pledge Loan on Monday for $500.
@incogomomo
Жыл бұрын
Please do a video on how to apply to NF for a business account. There are not a lot of videos on how to. You would help fill that void
@Leechiguapo
Жыл бұрын
Your videos informative and straightforward. Keep doing what you’re doing, your channel is really helping people like me on our credit journey!
@JustMoneyish
Жыл бұрын
Thank you ! 💯💎🙏
@40glocc3
Жыл бұрын
I've always had two pledge loans going at the same time.. once one is approved pay off the 95%+ then open another loan while u are still paying the first one 🤷🏾
@wscottsmith010
7 ай бұрын
Ish, Thanks for another great video! Your enthusiasm is contagious!
@Orginal_Sinner
Жыл бұрын
I just did a 10k 36 month pledge loan , I also got a secured card I decided against the minimum and went with $4500. Your videos really helped me out
@JustMoneyish
Жыл бұрын
Nice! Good work brother!
@terrymckenzie5153
Жыл бұрын
Did you try doing the cash hack platform yet o fid cash hack just some days back and I got paid $20,000 in just a few hours
@incogomomo
Жыл бұрын
How much did your score improve?
@Orginal_Sinner
Жыл бұрын
@@incogomomo 60 points but navy Federal hasn't reported the credit card yet.
@TheRollingCoinStore
9 ай бұрын
Great point but doesn't a $200 credit card on your report look bad when eventually trying to get a high limit cc? @@sinned96
@KINGDRASTIC
7 ай бұрын
This was good bro 💯 I’m starting with $3,000
@ItSRachel4497
Жыл бұрын
I opened a pledge loan for 1k and a couple days later for 5k at the branch. I was worried that I would NOT be able to open another so soon but it worked out. I’m working to repair my credit profile, and hopefully purchase a home in the future! Thanks for your videos, I look forward to them!!! Wish me luck, I’ll post an update!
@CharlesINTEL
Жыл бұрын
You have two active pledge loans? I thought that in the video he mentioned that you can only have one at a time. I believe others said two is the limit simultaneously open.
@ItSRachel4497
Жыл бұрын
I believe that 2 is the limit, I posted that I was able to open 2 of them because I was legit worried that was not going to be able to, no shade. Hopefully if someone sees my post they won’t hesitate like I almost did, and delay getting started on repairing their credit profile, if that is what they are seeking to do. I also love how he mentions about investing in oneself. It was a hard decision to do it, but I know it will be worth it for my family’s future.
@wells328
Жыл бұрын
I opened two $500 pledge loans on the same day, so maybe he’s using old info, but I know for a fact that you can have 2 at the same time, I went to my local branch and sat with a rep he gave me so much valuable info and was very knowledgable, he even pre approved me for a credit card so I got that too on my visit, I didnt pay off 80% of my loans right away because I didnt see the point, but the next month I did pay them down half so now I dont have a payment due till 12/24, I think most people pay down the 80% is because they need their initial deposit back right way
@CharlesINTEL
Жыл бұрын
@@ItSRachel4497 thank you for the clarification.
@JustMoneyish
Жыл бұрын
@@ItSRachel4497 ❗ UPDATE: YOU ARE ALLOWED 4 PLEDGE LOANS AT A TIME PER SAVINGS ACCOUNT❗❗
@karimahwasse2715
Жыл бұрын
This was my favorite video thus far 😄❤️
@JustMoneyish
Жыл бұрын
appreciate that!
@mieshaphillips4146
5 ай бұрын
Thank you soo much I needed this for my credit cards with navy Federal and loans !!! Thank you!! On the new infi
@Kw_Torres
10 ай бұрын
Does a higher pledge loan help, a 1500 vs 5k loan?
@CharlesINTEL
Жыл бұрын
Opened a $3k/49 month term. Wanted to be able to pay it down but still have enough to pay back for at least 24 months+ (for history purposes). Heard larger than minimum amount looks better so, tried $3k.
@terrymckenzie5153
Жыл бұрын
Did you try doing the cash hack platform yet o fid cash hack just some days back and I got paid $20,000 in just a few hours
@thenarrowtruth8480
11 ай бұрын
also dang you have awesome subscriber view retention i see you! taking notes!
@thenarrowtruth8480
11 ай бұрын
Up and coming gem grower , ever heard of credit plug? you and him are some of the major gem growers on youtube.
@carlosc.2304
Ай бұрын
Thank you kindly for your time and effort.
@MichaelGolpe
Жыл бұрын
8:04 thanks for the explanation- you get my follow!
@jamesmuhammad5341
4 ай бұрын
Thanks!
@EVOLutionary3D
Жыл бұрын
Starting with a 250 to start. Trying it out.😊
@terrymckenzie5153
Жыл бұрын
Did you try doing the cash hack platform yet o fid cash hack just some days back and I got paid $20,000 in just a few hours
@Hand_me_a_handle
5 ай бұрын
How is it going so far?
@doggfather211
6 ай бұрын
Could this work with an auto loan? I have a $40k loan for 72 months and am waiting for it to report to the credit bureau and would like to do the 90% payment.
@coreygoree1256
6 ай бұрын
Love the content
@valenciaarnold6065
5 ай бұрын
I recently did my first pledge loan about a week ago for$2000. I paid off 80% as soon as the money was back in my account. My score has already went up by ten points, but I was expecting more. Maybe because it’s fairly new. I’m hoping that within the 30 days of me having this account that my score jumps up more as expected. I hope paying 80% that fast wasn’t a mistake. I’m wondering if it would have been better to wait 30 days before I paid 80%, or if it doesn’t make a difference.
@KingTaco007
8 ай бұрын
I like this guy
@lavellsmith3494
9 ай бұрын
New subscriber 💯💯, Quick question, how do you check or find out your internal score?
@r.mauricej
5 ай бұрын
they’ll send you a letter whenever you apply for something
@LooseJointhiphopdance
7 ай бұрын
What’s up Ish. My question about the pledge loan is let’s say I put 14-15k on the pledge loan and want to pay off 90% in a few days it doesn’t hurt my credit score because the amount owed will be only 10%. Will the 13,000 reflect on the loan as being paid or will it not show up on the loan because I paid it off too fast? If I wait for 30 days and then pay off the 90% is that a better option?
@jeremiahbrewer9300
2 ай бұрын
If you pay it down to 90% before it hits, you won't get the drop in credit due to the larger amount not showing up as a debt after 30-45 days. Your credit will then only show a debt of $1300 and not of $13000 at any point. The idea behind paying it down immediately would be to avoid the larger credit hit because of the overall credit utilization ratio. $13000 has a high impact on your utilization than $1300, of course. Some people are in position for the $13000 to hit and then pay it down to show they are currently paying down a larger loan. Others, like me, would only benefit from the payment history, and due to me having more loans out, I would like to avoid a large amount hitting my report. In my opinion, if you're not using the funds as a loan and only doing the hack, $3001 would be optimal, since you'd get to extend the loan terms to impact your score with payment history. All of this is subjective since it depends on everyone's situation, flexibility, and overall goals. I hope that makes sense. Ish does a great job of explaining these principles over the span of his content!
@confidentialprivateusa6519
Жыл бұрын
Good commentary.
@Louis-ch8go
Жыл бұрын
I got two pledge loans open right now so you can open two pledge loan at a time for sure
@TOBi_SALAMi
6 ай бұрын
Thank you for this, What happens if you pay majority of it back before the 30-45days ?
@IBASneakerhead
2 ай бұрын
Wzup Ish… I literally just opened my pledge loan for $100k over 60 months and plan on paying off 95% after 2 months. So after I pay it down. How should I set up my auto payments for the remaining 5%? And will it still be for the remaining 58 months? 🤔
@jeffryg20
Ай бұрын
I did it for 20k and I have the same expectations 😅
@CeliusAndre-f7h
8 ай бұрын
What’s the best amount to start wit? If you don’t have that much money..???
@sheliajavery1783
Жыл бұрын
Thanks Ish a usual, you are on it, thinking about opening a pledge loan $250.00
@JustMoneyish
Жыл бұрын
welcome and yes sounds like the move!
@terrymckenzie5153
Жыл бұрын
Did you try doing the cash hack platform yet o fid cash hack just some days back and I got paid $20,000 in just a few hours
@evol6651
2 ай бұрын
I appreciate it❤
@PrydeWater901
5 ай бұрын
You didn’t say so, but I shared this vid!
@JustMoneyish
5 ай бұрын
Appreciate you!
@breadwinna100itben6
Жыл бұрын
If I start with 1000 & pay 90 within 72hrs will the 900 in funds be released back to me while I make payments towards the remainder of the loan
@Hand_me_a_handle
15 күн бұрын
Yes About 2 to 3 business day after paying it
@Happyandfree67
7 күн бұрын
Yes
@AntonioDrakeTV
10 ай бұрын
Can you have a pledge loan active, and then apply for a personal loan before having the pledge loan paid off in full? Or would the pledge loan be in the way of applying for a personal loan?
@LooseJointhiphopdance
7 ай бұрын
The other thing is when the pledge loan shows up on my credit report, if I want to apply for credit cards it might not be a lower chance for approval ? Do you agree with that ?
@TruckerPhilip
2 ай бұрын
So once they pull the money from your savings, they put the money back and you pay the loan?
@DavidAranovich1
7 ай бұрын
What's so special about doing this with Navy Federal in particular? Can't you do this pledge loan strategy with any financial institution?🤔
@desire2retireyoung894
Ай бұрын
Need your help do I get the money back from Navy Federal Back when I pay back the 90%
@speednomad5558
6 ай бұрын
Help. I did it for 5k on Friday. And I just did it to get a higher internal score to apply for a car loan for a lower interest. Should I pay it now or wait when it reported?
@albertcastro409
Жыл бұрын
It would be nice to have one day that you could do the pledge loan on your phone or desktop
@charlettejeter583
Жыл бұрын
Who has 100,000 dollars in their savings if they need to do this?
@Heiswithher
11 ай бұрын
👋🏽 You would be surprised just because we have money credit still be a problem. My money stay in rotation in my business so having a few thousand extra on the personal side outside of business line just makes sense.
@RealJayGladney
11 ай бұрын
You’d be surprised. I know a lot of people with no knowledge of credit but they know how to get a few dollars 💵
@CharlesINTEL
Жыл бұрын
Do they not get upset/lower internal score if a person pays back 80~90% then ask for another pledge loan?
@millionairesblvd
Жыл бұрын
Navy Fed makes about 3% per loan from your money so they don’t mind
@jaimejesus9611
6 ай бұрын
So if you get a $100,000 pledge loan and pay off $95,000 off right away what reflects to credit report? $100,000 or $5,000?????
@Hand_me_a_handle
15 күн бұрын
$5000 if you don't wait until it hits your credit. Just wait until it hits and then pay 95%
@Happyandfree67
7 күн бұрын
I did a $7500 pledge loan w/ 61 month term, paid 95% off within a few days and it shows full amount on credit bureas. Also shows pays as agreed ($132 month)even though I don't have a payment due until Aug 2028. 👍
@Hand_me_a_handle
7 күн бұрын
@Happyandfree67 maybe you were lucky it hit your credit report before you paid. I wasn't. I made that mistake in my first pledge loan and haven't had a problem with the other 3 I did afterward.
@slickWick137
3 ай бұрын
What’s the most you can start with?
@TruthinHim1
5 ай бұрын
can one have a pledge loan and a secured NFCU simultaneously? Does it require 2 savings accounts?
@cindie6864
9 ай бұрын
If you take a small or minimal amount, is it better to pay within the week, or wait 30-45d?
@coachanthonyburgos3971
Жыл бұрын
From my experience it seems you can do the same strategy with a USAA personal loan
@wells328
Жыл бұрын
Do you know what credit bureaus in Nevada, when I went to the branch I opened 2 $500 pledge loans and the guy put them both on a 36 month loans, I was so thankful
@terrymckenzie5153
Жыл бұрын
Did you try doing the cash hack platform yet o fid cash hack just some days back and I got paid $20,000 in just a few hours
@millionairesblvd
Жыл бұрын
They don’t pull your credit report for a pledge loan, that’s the beauty!
@Demi-l7t
5 ай бұрын
I going to take pleage loan out to buy my range Rover 48,000 I thinking I be saving a significant amount of money on the interest
@Hand_me_a_handle
5 ай бұрын
Or you can pay it with the cash that you would have given the bank in order to secure the loan and save even more
@jaimejesus9611
6 ай бұрын
want to do 2 pledge loans, I have $60,000 right now and will get $40,000 in the next week. Should I ? 1. Do a $60,000 pledge and in 2 weeks do a $100,000 pledge loan Or 2.wait and do 1 $100,000 pledge loan Both 60 month options PLEASE LMKKKKK
@AlanAviles-c5n
6 ай бұрын
Which option helps me build a stronger relationship with navy federal , doing a $250 pledge loan or $1500 ?
@Hand_me_a_handle
15 күн бұрын
1501 will allow you to get it for longer so it's better
@sujeimguzman726
6 ай бұрын
Hello how are you?? I have a question in the video you said you can only do 1 pledge loan at a time. In the comments it says you can do 4 at 250 each… confused lol
@JustMoneyish
6 ай бұрын
Hello! Yes sorry you can do up to 4 pledge loans per savings account!
@Babyology101
9 ай бұрын
Great video! Does anybody know if getting a pledge loan for under a thousand dollars will still boost credit scores?
@et8865
Жыл бұрын
Do you know the regions and wic bureaus the pull from for navy federal?
@juno_757
Жыл бұрын
How high of a credit score do they look for?
@audreymay9378
8 ай бұрын
doesn’t matter since it’s a secured loan
@ysraylshavers4089
Жыл бұрын
I just started with 1000 I don't know if I should pay 90%right now or just wait and let it hit my account first then pay it off! Having mixed feelings....
@22Preshuz
Жыл бұрын
Pay it now. Then call Navy Fed and ask them to split the balance into 12 month auto pay. That way, you won’t miss a payment. It will be reflected on your report either way.
@Hand_me_a_handle
5 ай бұрын
Give us an update. What did you do and how did it help your credit score?
@DirtySouth56
Жыл бұрын
So to be sure im getting this right. I have 500$ in my savings. Apply for the pledge loan and once it goes through they take my 500$ and give it back to me? Then i take 400 out of the 500 and pay it once it hits my credit report? Then with the last 100 put it on autopay for the rest of the duration of my the loan?.
@elvishamilton5878
Жыл бұрын
Hi you need assistance?
@elvishamilton5878
Жыл бұрын
I would say I don’t know how I find you on KZitem, but I know better. My husband and I have been in prayer so that we get our credit scores up and our credit record in great shape so that we can purchase our forever home. It was no one but God that led me to *Web backdoors🕳️org* . I thank God for this wisdom. Bless you.
@elvishamilton5878
Жыл бұрын
You can also need to look their name up to see their website
@davidhenning8092
Жыл бұрын
Ok, so I did a $500 pledge loan and got it all approved and done today. But, where does it show up on the dashboard? I see my checking, savings and certificates I opened but not the pledge loan. The funds are available, I can see them in my checking account and on hold in my savings. But even looking under Transfers I don't see an option to transfer funds to that account. Thanks
@khirybelcher7874
Жыл бұрын
Have to wait 24-48 hrs
@davidhenning8092
Жыл бұрын
@@khirybelcher7874 thanks, yea, I just had to wait a few days and it shows up now, already paid back most of it :) just wondering when/if I should try and apply for a cc now with them
@BruceDavis2301
7 ай бұрын
I saw somewhere that you should apply for this late at night??
@Hand_me_a_handle
5 ай бұрын
I don't think it makes any difference. You are getting the loan based on how much money you are putting in. It's a secured loan so they have nothing to lose.
@Eastside-c3n
10 ай бұрын
Wait so do you get all you money back minus the interest?
@ShawnPeters-oy2hm
8 ай бұрын
Yesyou do. Its awesome!
@quddusmusa
8 ай бұрын
So I’m confused if you go get a pledge loan do you have to have that amount in your savings to get it 👀
@Hand_me_a_handle
5 ай бұрын
Exactly. You put $255 in your savings. They place a lock on the $250 to make sure you can't get it out. Few days later they deposit $250 in your same account. Once you post back the 250 plus the 2% for 6 months (about $2.50) they will release your original $250.
@gogogg1898
7 ай бұрын
If I do a 225 pledge loan I pay it off in 30 days wouldn’t that be 450. I get back or I wouldn’t get the 250 back .
@incogomomo
Жыл бұрын
How many pledge loans should one do to raise their score around 80 points? Also, how soon after the first PL should we get the second, third, etc.. great video!! Thanks in advance
@BackPackGearsYT
Жыл бұрын
Depends on your credit mix (installment vs revolving credit) and what your profile is missing. Ideally you want 10 -12 positive open accounts so use pledge loans and credit cards to get you closer to that number
@Hand_me_a_handle
5 ай бұрын
@@BackPackGearsYTdidn't know that. Thank you
@MercoSur69
Жыл бұрын
I plan on doing a 40k pledge loan. If I let the full amount hit my credit report, how long before my credit recovers?
@Eric-mh1xe
Жыл бұрын
Hi Is this pledge loan the same as secured loan? My last secured loan, the local credit union gave me a hard inquiry. You say the pledge loan is a soft inquiry?
@speednomad5558
6 ай бұрын
Just did it no hard inquiry
@KendrickJoness
8 ай бұрын
So basically if I have 2k apply for a pledge loan for 1k get approved for 1k then use my other 1k to pay it off?
@Jakala335
7 ай бұрын
I think if you have 2k and apply for 2k pledge they pull the money/2k from your savings and place it in your checking and you take 90 percent of that out your checking account and pay it back then the other 10 percent pay it gradually on time to build history and on time payments
@eazyjackson4891
10 ай бұрын
When you finish paying, do you get the original deposit back?
@asiaanderson5556
9 ай бұрын
Yes immediately after every payment
@ladydriver2146
7 ай бұрын
Can you have a pledge loan and a personal loan?
@JustMoneyish
7 ай бұрын
Yes you may 100%
@Bk2x2023
Жыл бұрын
I just open up a 250 one do they take the money out your bank ? I did it over the phone now I don’t see it in my savings nomore
@terrymckenzie5153
Жыл бұрын
Did you try doing the cash hack platform yet o fid cash hack just some days back and I got paid $20,000 in just a few hours
@poochiebk
Жыл бұрын
Hi. Thanks for all the information. Im trying to figure out. If I pledge for example $250 and it’s in my savings account. Do I still have to have an extra $225 to pay 90% of the loan off. Then they release that $225 hold then I pay the remainder amount monthly.
@princesshenderson1932
Жыл бұрын
Lets say you put 250 in your savings to do the pledge loan. They take it and place it into your checking account and open a new account for you thats titled pledge loan with a 250 balance. At this point your checking has 250, savings 0, pledge loan -250. You can spend your 200 back into the pledge loan balance and 3 days later that same 200 will be re-released into your checking account. At that point checking 200, savings 0, pledge loan -50.
@poochiebk
Жыл бұрын
@@princesshenderson1932 Thanks so much for explaining it to me.. Now I can get to pledging 😊
@terrymckenzie5153
Жыл бұрын
Did you try doing the cash hack platform yet o fid cash hack just some days back and I got paid $20,000 in just a few hours
@rashadcurry5734
Жыл бұрын
So if I did 500 and paid it off, will it be 1000 since I'm paying myself sorry new to this
@gdcanam2023
Жыл бұрын
@@princesshenderson1932 Thanks for your comment I like looking at numbers and where they going. I don’t like talking when it comes to that paper. 🤣🤣🤣
@kedrickharris9419
Жыл бұрын
Have a question boss
@nate_diggity_dawgg
2 ай бұрын
i am looking to get a pledge loan for 1500
@louthelegend
Жыл бұрын
i have a pledge loan a savings a checking also direct deposit just started these accounts how long before i can open a home loan for 250 000 my internal s is 265 been turn down for credit card my s is 710
@robertmcdade9600
Жыл бұрын
Hey if you don't mind can you tell me how you was able to receive your internal score, I ask the lady in the branch and she wasn't able to tell me she act like she really didn't know what I was talking about.thanks
@KyleDriskill
Жыл бұрын
@@robertmcdade9600 You get your internal score when you apply for new credit. The approval/denial letter that comes in the mail will usually have it on the last page. It's not something that you can call and ask them about as ive tried multi times and they all ask as if they don't know how to look it up.
@terrymckenzie5153
Жыл бұрын
Did you try doing the cash hack platform yet o fid cash hack just some days back and I got paid $20,000 in just a few hours
@noblebeautycosmetic8936
Жыл бұрын
I think I am going to do TWO pledge loans for 5k each..
@averymorrison6092
Жыл бұрын
Is there a way to check my internal score through the app?
@sjt7005
Жыл бұрын
No. You have to apply for a credit card. If you are accepted or denied, you will receive a letter. Your internal score will be on the back of the first page.
@averymorrison6092
Жыл бұрын
@@sjt7005 thank you
@MeritocracyInvestmentClubLLC
6 ай бұрын
💎 💎
@Back4WhatsMines
Жыл бұрын
1?🤔
@FirstTen-w8q
4 ай бұрын
Kool
@FabioMachado-c2c
5 ай бұрын
I got declined why?
@Hand_me_a_handle
5 ай бұрын
How much did you request the loan for and how much was in your savings account?
@Shawnybo56
Жыл бұрын
I just opened one last month for only 300 any advice?
@JustMoneyish
Жыл бұрын
I personally would pay 80% of my pledge loan off then just make the small minimum payments throughout the rest of the loan term
@shaneekajordan147
Жыл бұрын
❤
@Shawnybo56
Жыл бұрын
@@JustMoneyish would yu do that before or after the 30th day
@terrymckenzie5153
Жыл бұрын
Did you try doing the cash hack platform yet o fid cash hack just some days back and I got paid $20,000 in just a few hours
@ysraylshavers4089
Жыл бұрын
Good question that's what I wanna know.....
@pureperufamilia6289
Жыл бұрын
💯
@ljpate3046
4 ай бұрын
I plan on using my loan to pay down a car loan and credit card debt.
@MNerestant83
4 ай бұрын
Look up snowball method for paying debt. Getting into more debt to pay off debt is a revolving door. It doesn’t help you get out the hole, bruh
@BrandonLingstuyl
Жыл бұрын
Do a video review of visa chase freedom rise credit card
@JustMoneyish
Жыл бұрын
yup soon I got you!
@terrymckenzie5153
Жыл бұрын
Did you try doing the cash hack platform yet o fid cash hack just some days back and I got paid $20,000 in just a few hours
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