YouTube Won’t Fix Your Credit — Here’s What Will
Let’s be honest here: IF fixing your credit was as easy as watching a few YouTube videos, everyone would have an 800+ score. Type in “how to fix your credit” into YouTube and you’ll see hundreds of videos promising overnight results, secret dispute letters, or hacks to delete every negative item. They make it sound like all you need is a template and some luck. But if you’ve ever tried those methods, you already know the truth.
YouTube won’t fix your credit. Real change happens with Moe Legacy.
At Moe Legacy, we don’t sell dreams, we deliver strategies. Our mission is to empower you with real credit education, personalized analysis, and proven systems that actually move the needle. While YouTube may offer generic advice, we provide a customized roadmap tailored to your unique situation, backed by the success of others who have already transformed their credit through us.
- Get a Real Credit Report Analysis
Before anyone can fix anything, you have to know what you’re working with. Most people only check Credit Karma, which only shows two bureaus, and not even the full report. That’s like trying to build a house with half a blueprint. You need to pull your full credit reports from Experian, Equifax, and TransUnion (experian.com is free). Review every account — open and closed — and look for red flags like:
Late or missed payments
Collections or charge-offs
Accounts you don’t recognize (possible fraud)
Incorrect personal info or duplicate entries
High credit utilization
Excessive hard inquiries
Understanding your credit report is the foundation. Without it, you're shooting in the dark.
- Dispute the Right Way
Yes, disputing negative items is part of credit repair — but not the way most YouTubers teach. Sending the same templated letter that 100,000 other people have used won't get results. Credit bureaus often flag those disputes as “frivolous” and ignore them.
Effective disputes are based on real analysis and documentation. You must:
Challenge inaccurate or unverifiable information under the Fair Credit Reporting Act (FCRA)
Send disputes via mail for better tracking and legal weight
Include supporting documents (ID, utility bill, bank statements, etc.)
Know when to escalate to the CFPB or file complaints when bureaus don’t respond
It’s not just about sending letters — it’s about sending the right letters with the right timing and wording.
- Build New Credit (Not Just Delete Bad Credit)
You can delete every negative account, but if you don’t have any positive credit reporting, your score won’t go far. Credit repair isn’t just about fixing the past; it’s also about being able to rebuild a new credit future.
Here’s how you do that:
Secured credit cards: A great way to re-enter the credit world with low risk.
Credit builder loans: Small, manageable loans designed to help you show consistent payments.
Authorized user tradelines: If someone you trust adds you to their long-standing, well-managed credit card, it can give your score a healthy boost.
The goal isn’t just a better score — it’s to create a profile that lenders trust.
- Maintain Low Utilization
One of the most overlooked parts of credit health is credit card utilization — how much of your available credit you’re using.
Lenders don’t just want to see that you can borrow — they want to see that you can manage what you borrow.
Here’s the golden rule:
Keep balances under 20% of your credit limits (e.g. $200 on a $1,000 limit)
Ideally, keep it under 10% for faster growth
Pay the entire statement balance, not just the minimum amount due
Even if you pay your cards off in full each month, if your utilization is high when your lender reports to the bureau, your score will take a hit.
This is one of the fastest ways to improve your credit in just 30 days.
YouTube is a great starting point — but it’s not a solution. You deserve more than “free game” and recycled templates.
If you’re serious about repairing your credit:
Know where you stand
Learn your rights
Take consistent, strategic action
You can rebuild your credit, but only if you stop looking for shortcuts and start building real habits and a real financial foundation.