FICO 10T: The 3 Steps to Prepare for August 2026

Your credit score is about to change forever in August 2026. In this video, I break down exactly what’s happening with the new FICO 10T and VantageScore 4.0 models and give you three simple, beginner-friendly steps to protect your score right now. No panic, just a clear plan. Here’s what we cover: - Why credit scoring models are switching from a single snapshot to a 24-month video of your habits - How to automate minimum payments to shield 35% of your score in 60 seconds - The power of weekly micropayments to keep your balances low and your score climbing - A quick soft-pull audit trick to remove errors that are dragging you down - How to turn the August 2026 deadline into your unfair advantage I’m Credit Stan, and I help beginners break the paycheck-to-paycheck cycle and take control of their money without the stress. By the end of this video, you’ll have a low-stress action plan to keep your score safe and actually start seeing it go up.