Charles NoonanPresident, Landbank University · Real Estate Developer & Instructor

This is the most perfect credit you’ll see 😳😳 #entrepreneur #credit #creditscore #realestate

4 Mar 2025 · 1 min

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0:55

Short YouTube clip (creator: Charles Noonan, uploaded March 4, 2025) featuring a conversation where one speaker reveals very high personal credit scores and the other explains how business-related hard inquiries can be removed from a personal report. Specific scores given: Experian 836, Equifax 837, TransUnion 819; Experian shows three hard inquiries.

Questions this video answers

836

837

819

Three hard inquiries

Call my scores out, yell out my scores so people know what they are.
Yeah. Okay, so Your Experian is 836.
Okay.
That is like one of the highest scores I've seen. Like people don't be having that. You got three hard inquiries on Experian.
Okay.
So what I do is when I'm looking at, if I can remove an inquiry, I have to look at your credit report and each account and the date you open them. Because we do not want to remove inquiries that are linked to a personal credit card. But inquiries that are linked to any business, anything business related you can remove. So whether it's a business credit card, line of credit, if you did a mortgage under your business, auto under your business, all those can be removed.
Is that because it shouldn't be on your personal? Because it's a business.
Yeah. And it doesn't report to the personal. So the bureau's can see that you have those accounts. So.
So Experian. I'm 8:30. What?
8:36.
I'm 836 with Experian. What's my other one? Trans Equifax.
Equifax is 837. 837 and TransUnion is 819. So you're in the 800 Club.
But tell me why.
You have an exceptional credit paying history, so no lates. You have a good mixed usage. You have, your utilization is under 30%. Your credit age is eight years. But your oldest account is 25. So that's good to having like aged account.