Jade Warshaw Claps Back at Her Haters

[Music] brought to you by the every dooll app start budgeting for free today Jade what did you do I didn't do anything you did you super did look I posted a video on Facebook specifically about how like zero credit scores work and these folks came for my life John dude they were showering you with the hater so I was thinking you know what I usually stay out of the comments or I'm like pretty you know just nonchalant about it but these these comments were extra and I was like you know what I need to I need to I need to clap back on this so let's play the video so you guys can just see how innocent what I said was and you can be on my side and then we'll chop it up all right let's do it it usually takes about a year to see your credit score go down to absolute zero if you completely stop borrowing money and here's the thing if you dilly dally with this and you're like I'm going to keep that one credit card open it's never going to go to zero you're just going to going to have a bad credit score and then when you try to go buy a house you're going to run into problems look yeah I stand by that I stand by that message I approve that message all right I'm going to read some of the haterade all right read it Chad says these people are crazy zero credit score is not even possible okay uh Tim says this is absolutely not correct you need to raise your credit score not lower it this explains so much about some people M Derek says this kind of crap's annoying while it's possible to buy a house without a credit score it isn't worth the Hoops okay better off with a credit score the next one's my favorite yeah Jacob says says the woman with tons of assets to lean on and has no need for crit card I can't I can't I'm coming out of my I'm coming out of my seat right now because and I did reply to that when I was like oh you must not know me or my story if you think I came from wealth and assets are you kidding me I got to throw my pin across the room because hold on hold on this this cat says I swear the Ramsay team's advice on credited is the stupidest be beep ever good luck getting approved for Jack be beep with no credit that's the whole point here's my thing here's my thing John and this is crazy to me people would rather be right about what they think and about what they know then be free then be happy then be better off in life they they'd rather be right about the fact that there's no other way to get ahead in society than to be strapped with debt for eternity yes like you have to play the debt game that's the only it's the only way to Make It in America is to have a credit score are you kidding me you'd rather be right about that and I'm like really you want to be right about something that keeps you in slavery your entire life forever it's that important to you and dude for all of human history this is how governments capture their citizens by giving them a plot of land and saying when it's paid off then it's all yours then next year it's like oh well we had to raise the price on it so uh and they do that in perpetuity and now we wear this score like we win something and I'm the only one the folks in this room are some of the only ones in the United States in the world telling y'all hey there's a better way and we we try to do it with love we try to tell y'all hey there's a better way we want you to be free we want to help you we exist to help the people outside of these walls and it's crazy that people clap back on me like I'm trying to hurt them and they're not clapping back at the credit collectors they're not clapping back at FICO or Experian or TransUnion they're yelling at me when I'm the one I'm the one going hey there's a way that you don't have to play this stupid game you don't have to Rack your family with debt you don't have to you know rob Peter to pay Paul and move this money over here and keep your credit around for x amount of years with x amount of varieties of credit with x amount of percentage use like that is a game and the goalpost is constantly moving and one of the things I noticed that they were mad at me as I said hey if you're going to run our plan like run it to the end zone like do it all the way don't do this mess of well I'm going to pay off my credit but I'm going to keep a couple of cards open or keep that one card open just in case CU that'll jack your credit even worse right because there are ways that they're measuring your credit it's not just hey have one credit card open you have to utilize that credit and you have to keep it around for a long time and you have to make sure the percentage is Right otherwise yeah you'll have a score but it won't be great it'll probably be pretty bad and the fact is having a I'mma say it and I'mma scream it till the cows come home having a zero credit score is just as good in my opinion better than having a 750 or a 800 because I don't have to play the game of debt I get to be my own woman my own man my husband and we're autonomous and we are free and we don't have to be slaves to the system so if you don't like that you can go ahead and put that Yol back on and they can Y and you'll just pull the plow of debt for them and you can do that the rest of your life I'm not going as for me in my house making other people Rich at your expense look hey I I I can we run through this real quick yeah these people are crazy zero credit score is not even possible you're false false it's false once you pay off your debt like I said it takes about and you close the accounts you've got to close them it takes about 6 to 12 months for your credit score to roll to zero that's how it goes this is absolutely not correct you need to raise your credit score not lower it why false why yeah you tell me why so that one day you can go get on both knees and hold your hands up and say dear lender please please and they'll say well let me let me look in my secret file and see what your score is yeah instead of sitting down with your wife and when your air conditioner goes out and you have become your own bank over years which is what took me and my wife and your argument is not please please can I it's you call I'm not calling you call I don't want to call you call I love it that's that's the most annoying fight you have yeah right and I think people forget the fact that when you decide John like Hey we're going to pay off our debt that simultaneously means and we're not going back into debt and we're not doing this thing called credit anymore and the biggest argument is yeah but if you don't have a credit score how are you going to live and the biggest two areas that people are thinking about are cars and living situation right can you buy a car without credit yes you can it's called buying a car in cash and I'm not talking about that you always have to save $40,000 or $50,000 to buy the newest model the cars that Sam warshaw and Jade warshaw Drive are from 2013 and I think we paid less than I don't know 20,000 for both yeah each of them that's how you do this you don't have and don't get me wrong I could have way more car than that John at this point in my life I just don't care about it that much so don't tell me it's not possible you save up your money and it takes time uh let me just say this my husband and I for the first time in our marriage are a two-car family and that happened last year because that's just the life we chose we didn't have to do that for that long but we said you know what I don't care about going into debt over cars and when we feel like paying up cash and buying a second car we will and that's what you're talking about you just choose it was it was up until this this year I I went from a 96 to a 2012 and I was driving 2012 forever yeah and Dave just just Dave as my friend goes hey I know what I pay you what are you doing and I was like he's like you're trying to like make a point I go I I I honestly don't care I don't care and it was only that I was like I'm going to get and by the way I went all in on a Highlanders know I mean and dude every day I get in it I smile so big like like I've beat somebody like I've won some game and my buddies are like it's it's not it's not a cool car John come on you know what I mean but it's like I know but it it doesn't have a CD player in it anymore right here's the deal when you unhook yourself from the external expectation yeah my wife likes me and you know how I know she likes me because she was dating me when I was driving an 88 Tel easy hatchback so I know this is love right and that when we were making it when we were when we when Dave was paying us more money than any delon's had ever wrapped their head around I I didn't need to prove anything to anybody no it's not a game right it's like yeah I was able to Cobble together the money and pay for that in cash and it's just it's mine the money see what I'm saying what you buy it doesn't determine your worth hey uh one more thing um what about housing let me hit this right quick people think you can't buy a house with a zero credit score yes you can it's called manual underwriting I did it John deloney did it George Campell did it I know Rachel Cruz did it all these folks did it all you need is payment history 12 months showing your trade Lin cell phone bills utilities you need actual money you need to show 12 months of bank statements and just your last 30 days but so many Hoops it's not it's almost the same as the normal process it's not hey by the way Churchill Mortgage is a place to go guys yes and man if you just weren't so rich uh you wouldn't able to talk like this Jade