How I Got My Credit Score From 0 To 800 (Fix Bad Credit)

In this video, I will show you EXACTLY how I built my credit score to almost 800 points within the past few years.
Regardless of whether or not you plan on using credit/loans to leverage money, I believe that having a high credit score is an asset that is worthwhile to obtain.
Having a high credit score can allow you to land low-interest loans on home mortgages, auto loans, personal loans etc..
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I am not a financial advisor. The ideas presented in this video are for entertainment purposes only. You (and only you) are responsible for the financial decisions that you make.
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[@Jungernaut]

My credit score was around 0, but after watching Nate O'Briens video my credit score has jumped to 850... and my hair also became softer. Thank you for all you do Mr.O'Brien.

[@NateOBrien]

You almost sound like a bot... "Thanks to the great sir, Brian Hacks dot com

[@Jungernaut]

Nate O'Brien Contact Sir Brian Hacks on WhatsApp for your credit repair needs

[@kayhershey6390]

Brian Jung Hey guys if you have a bank account and want to earn extra cash contact: [phone] fast 🏃🏼‍♂️💨

[@camelaahh9009]

Credit score is not something used in all countries though. In France, they determine if you are eligible to get a loan (e.g., to buy a house) based on the ratio between your salary, your expenses and your savings. Basically, if every month you 'burn' all your money, you're perceived as riskier than someone earning less but consistently making deposits to a saving account. I feel in the US people tend to buy things they don't need with money they don't have... The only times I feel one should need a credit is when buying 'big' things (house, car, etc.). Not for a TV. I’m 26 with over 800 credit score, time was put into that to build it up by COGNITIVEHACKS

[@jonathanhull6999]

Thank you thank you thank you Nate for this video and all of your videos. Just went to the bank today to get my first credit card. I've learned so much from your channel man.

[@TheArtofKAS]

Constantly having these facts hit me is good. Between Nate and Graham, no reason not to be properly informed. Thanks a lot Nate.

[@NateOBrien]

Happy to hear it!

[@Eternalised]

This quote puts it perfectly: “Too many people spend money they haven't earned, to buy things they don't want, to impress people that they don't like.” - Will Rogers

[@TheArtofKAS]

My thoughts exactly my friend.

[@RidgeMallery]

Use debt not abuse debt

[@ferdynand2402]

Nice quote buddy

[@nw9801]

GoldBlockCareer brilliant quote

[@virginiabuckland8234]

i was in the process of purchasing a new car and wanted a higher credit score 850. I was able to get 0.9% on a 2020 Acura MDX! If anyone is seconding guessing themselves, this company is 100% the real deal! Ask for kelvin from whosales tradelins ( 832) --377--7861 he’s helped with getting started with tradelines and credit repair. He’s soooo helpful and full of knowledge.

[@jadiecakes3241]

This is so interesting. Our credit works completely different. All you need for "good credit" is to pay things on time (like your phone bill, electricity bill, if you do have loans or credit cards). Your borrowing power is based on how much credit you already have and how much you make (we seem to have stricter lending laws), so they wont lend to you if they dont think you can service the loan (so if you already HAVE credit, thats actually a negative to borrowing more). And everyone is able to get the same interest rate, its not personalized (though i imagine you can call and negotiate in some instances). I would be really curious to see you review the barfoot investor book. i think that would be super interesting.

[@GenExDividendInvestor]

I found out a bank I use (Wells Fargo) had a credit reporting feature once you login to your account. Neat way I didn’t know about to check your credit score.

[@NateOBrien]

Interesting

[@joshmoney7664]

Great info Nate, my friend put me on three of his accounts as an AU, and my credit score jumped 75 points.

[@philiptran1719]

Thank you for the insight and great video Nate. My credit score rose by 500 points just by watching this video!

[@kk_giirl]

500? Dang, how low WAS your score!!! 😳

[@jimmietwardy3809]

Years ago I got my first credit card through Sears and basically long as I had a job never had a credit card and got a card for 7000

[@draghaly]

Nate your videos are amazing , I wonder if you are a guarantor for someone (for a line of credit for exemple ) as long as they are paying their balance , does their score affects you ?

[@christengardner4780]

You have helped me negotiate and get multiple things off my credit score and budgeting I'm now paying off my student loans especially whole everything is kind of frozen.

[@hiitsmartin]

I stop using autopay because some credit card offer low balance cancellation. Like discover cancels $1.99, Capital one cancel $0.99, Us bank cancels $0.99. So what I do is remember which card I use and pay it off early. Unless it’s a card with low balance cancellation which I pay everything except the small balance they will cancel.

[@starjsr]

Very informative Nate, Is it worthwhile to open multiple credit cards to boost credit? how many? or rather focusing on getting a credit increase on one card?

[@IshikaShanai]

Haha, I got my first credit card with a $1000 CAD limit last year shortly after I turned 18 from my bank. My biggest tip is to call to ask when your credit card billing cycle is so you don't end up making *2 months worth of purchases in a single billing cycle.* As I have a 21 day grace period between when I receive the credit card bill to it's final due date; this got me into a little bit of trouble with my overspending habit that I've since curved. For me, I spend around $250 - $350 CAD a month on transportation, food, art supplies, and misc expenses; but in the first few months that easily went up to $600 - $650 CAD. Simply because I wasn't aware my billing cycle at the time restarts on the 27th of each month. I only received this information after I called to ask the date of my current billing cycle for the credit card that I upgraded to a few months back. Said billing cycle is now on the 11th of each month. Now that I am aware of when my new billing cycle starts, its become a whole lot easier to budget accordingly and stay withing the $250 - $300 monthly spending range.

[@michael43567]

how did you get a 1k credit limit on your first card? I was getting rejected by everyone. Ended up being accpeted by Capital One but they only gave me a £200 credit limit

[@IshikaShanai]

@@michael43567 The first credit card I applied to rejected me as well, it was a Walmart master card. I was with my current bank for a few years before I applied for a credit card and I did so online. After I filled in the application, I was automatically offered the $1000 limit for a credit card that I applied for which had an initial $500 limit. This was probably because of some of these factors: I've never had over drafts or missed payments (I've also had a business bank account before this). Anywho, now that you have obtained a credit card, first off, congratulations. Now if you have a current source of income, you can request a credit limit increase on your current card either online (if Capital One offers this, my bank does, but yours may not yet) or simply call them to ask for them increase your limit. There's going to be some questions about your income, household, and employment information (hence why I said if you have a current source of income). I'm pretty sure that as long as you have earn enough/have a cushion every month for your expenses on your card and have paid it in full every month; you should be approved. Though, as I don't work for a bank, I cannot guarantee anything with certainty.

[@michael43567]

@@IshikaShanai thanks for the advice man 👍🏽

[@IshikaShanai]

@@michael43567 No problemo!

[@FinancialShinanigan]

Don't forget to increase your credit limits to help your credit utilization. Spending $1,000 on a $10,000 limit is gonna be better than $1,000 on a $2,000 limit.

[@jared997]

That can also be counted as hard inquiry depending on issuer plus with company like amex you don't want to increase it too high as that could result in financial review.

[@kayhershey6390]

Financial Shinanigans Hello everyone if you want a chance to make extra cash contact me for more information at: [phone]

[@madelynnebrazile4506]

Great advice, thanks!

[@NicoMoreno]

Thanks so much for the awesome video Nate 🔥 This will definitely help me grow my business and improve my mindset & finances!! Keep it up! 💯💯🙌

[@shu-kun23]

Finally talking about credit! please, a video about why it is expensive to be young in USA

[@NateOBrien]

Got it

[@shu-kun23]

I mean not “ why” but thanks you got it

[@nancypetry6820]

I have spent too much on my credit card but now making larger payments on it. And sometimes, I will just skip using it for a couple of months.

[@PebbleBeachLife]

I work for a Credit Bureau, one of the big ones and my score is 945. The only debt I have is three properties. I don't own a credit card or overdraft. Even my phone is pay as you go.

[@darthleia2536]

I am busting my credit score to get a better auto loan so this was very helpful

[@scumpuppies]

Good video. I’m currently 31 with three lines of credit; I keep my credit utilization rates low and pay my bill in full on time, every time. Currently sitting around a 780

[@NateOBrien]

Wow that's great!

[@scumpuppies]

Nate O'Brien It’s weird though...can’t seem to get it above that.

[@starrstarrstarr]

make payments on your card more than once a month. every week or even every day if you can. this also avoids interest. i do this and i'm 21, have 2 lines of credit and my score is the same as yours and keeps going up.

[@scumpuppies]

Starr Interesting, I hear this is only applicable if you keep a balance on your card/have debt, perhaps...otherwise doesn’t get calculated into your score; It, feasibly, might benefit credit utilization rates, but mine are so low it would have a negligible difference if any. I also don’t pay interest as I pay in full, on time, every month. Out of curiosity, why do you have two lines at 21 and what’s the length of your credit history?

[@kk_giirl]

@@scumpuppies right? I would be interested as well, credit length can’t be too long being 21 and all. Very interesting indeed ;) but good for you! That’s awesome. Currently helping my 21 yr old understand the importance of it all.

[@investingforbeginnerscommunity]

=Great Video Nate, I was just searching for something that would help me with this. thank you for sharing

[@2nd.roundvintage733]

Hey Johnny! I have seen your video before.

[@Mbbbbb123]

If you have kids around 16-19 add them to your credit card as authorized users to start their credit history. I’m 18 and use my parent’s credit card as an authorized user. We only use that card to buy gas. My credit score is 708 currently. Planning to apply for student credit card.

[@Percnowitzki_707]

That doesn’t really work as good as it use to. After the recession in 2008 companies and lenders became more strict about this and the benefits of doing this has significantly decreased

[@nanettekujawa2455]

I Appreciate your videos You're a smart man. I hate when you tubers. Start out flashing all their cash. All it does is make people feel BAD.

[@MikeOBrienMedia]

High credit is a good way to avoid "poor tax" situations (i.e. where banks and lenders make more money off poor people or people with low credit scores)

[@tonebonebgky2]

I like your no nonsense approach to credit, you've gained a sub today.

[@NateOBrien]

Thank you Tony, you will not be disappointed

[@TheSlashSlingingSlasher]

Been extremely arrogant with my credit cards. fell off and went down the rabbit hole. 380 credit score. Loans, 2 maxed credit cards, and delinquent insurance payment. Living paycheck to paycheck. It will be a long road to pay back but I will tackle it. Can I dispute claims and agree to pay half on certain debts? Also, could I apply for secure like of credit, especially with my credit score, to help boost it?

[@bonseepanda1012]

So i have a huge question that I’ve been wondering a while, If I open up a secured credit card, should I only use 9% or lower although my max would be $200-$300 or it wouldn’t really matter?

[@peter5807]

my credit score is so high I'm constantly getting high limit gold and platinum credit card offers. They won't leave me alone.

[@lauriejackson866]

I was scrolling google and this video popped up. I loveeeed this video so much I decided to follow you on Instagram. This was very informative and I love how you used analogies for different scenarios!

[@mhc562]

As always I appreciate all the knowledge shared in this video. 👌🏼 Keep up the great work.

[@peanutdesi1668]

I have a 300 secured limit. I’ve used $250+ but I paid it off in full. 0 Credit card utilization. You only utilize credit when you carry a balance

[@gameoflife7235]

In my experience, the history length is the biggest hurdle for young ppl because even with everything else perfect a perfect score cannot be achieved for years. Closing on a rental refi next week and know my score will inevitably drop because of a brand new account...not to mention the inquiry from underwriting. So frustrating...

[@williamwilson3981]

Excellent video Nate, this is so important for everyone. No one ever teaches this but it should be required in education. My utilization stays around 1% but that’s because I have a 101,000 credit limit and my credit score is 778. I pay off all my credit card bills and never carry a balance unless I need to purchase a big ticket item. In that case I usually apply for a no interest card and pay it off before the end of the promotion. As always, thanks for the info.

[@11Alisher]

Recently my credit score went up just because I use more of my credit card and let it build up and pay it off right at the end. But I reached nearly 800 not long left now

[@filitorianinstrumentals5634]

I like the idea of more reliance on credit scores for the fact that great credit helps in recessions, cheap home and vehicle payments during times when wages can fall. When ur living equal to ur means just based on salary from wages and never built credit it's harder to get by during recessions and can potentially suffer great losses, whereas foreseeing how credit should be given credit for times in such a case. Low baller payments help.

[@martal.5593]

Nate, I have a question. Is it true that if I apply to 3 different credit cards in the same day, would it be like only one hard inquiry and not three? I’ve heard about it, but I’d like to be sure.

[@JohnnyBrasco81]

Great video, the BREAD at 9:22 made me laugh though. The look on hos face like "What the heck is this?"

[@NeekoFreeman]

My fico 9 is 790 however when I checked on credit site it was 770 and 776. Not sure which is which but I seem to be on the right track. My credit history isn’t that long average is 6 years. One step at a time.

[@scottjoplin7884]

Credit scores are just a form of federal control, so if you want to continue living a good life? it’s important to have a high score. My house and vehicles are paid off, I have one Visa card for all purchases, which gives me air miles, and I pay it off monthly, but my score bounces between 800 and 820 without changing any of my patterns, so it’s manipulated for some reason. COGNITIVEHACKS made it stay at that range and getting it up

[@adamwajih1054]

What to do if you have delinquent debt and it wasn't reported to you on time? I had a crooked known company do this to me and that sunk my credit score

[@cirocuellar8006]

So how high can I get my score with just one credit card? I’ve gotten to 769 on my FICO score so far. And u made it sound like it’s bad to check your FICO score, is that true or I just misinterpreted? Thanks!

[@donnabittner69]

Should I cancel all my credit cards I don't use. I have bad credit and I just want to hold onto that 1 card that I don't have anything on.

[@dannybautista1866]

Great video man really helps alot

[@NateOBrien]

Thanks Danny

[@dannybautista1866]

Quick question man i have a 500 balance on my card should i pay it off right away or make payments on it

[@AndresDX1]

can you make a video on paying back student loans?

[@mikeg931]

I've never heard of person a adding person b as an authorized user and getting person b's credit history but I've heard of it the other way around ie a parent adding their child as an authorized user but not giving them a card so once the kid is 18-20 they have good credit already.

[@hankandgreta]

Don’t even wait for the hill to arrive before paying the bill for the items you charge. Save the receipts for the items you buy, tally up the amount at the end of each week and just send that amount right away. If you want to be even more on top of this, tally up and send the payment daily. It’s so easy with online banking. Sometimes the payment can post before the charge even posts.

[@michaelconrad8580]

Actually I want to correct, if you apply for lines of credit AT THE SAME TIME, it counts still as one hard inquiry. That’s the best route is to apply for more at once than each day of a week.

[@davidortiz3094]

I have a low credit score so this is so useful. Never even used a credit card in my life.

[@NateOBrien]

Hope it helps!

[@tht140ixx]

Nate dropping that financial literacy, let’s get it 👌🏾

[@NateOBrien]

Another day, another video

[@RidgeMallery]

he does make great videos.

[@mikefigure]

Is it ok to pay my credit balance every two weeks? Because I’ve been doing that lately and it has boosted my credit score fast.

[@supercucuk9835]

i have a debt which was causing me so much worries and affecting my account and score as well and I could not apply for a credit card any help or assistance as to who can help me sort this out

[@tylerhurst33]

One strategy I use with my credit cards is I will pay the whole balance as soon as I get payed (biweekly) so when it comes time for the credit card company to check my utilization it’s usually pretty low, they only check the balance utilization around the time they post your balance due. So you can technically spend more while utilizing less (only if you have the cash to support it!!)

[@JoshRyan]

I have a perfect record and sitting at 720. Might need to try some of these tips. In saying that, Im 19 so maybe it just takes time

[@NateOBrien]

Definitely just takes some time

[@JoshRyan]

@@NateOBrien makes sense! Credit cards are definitely helping me

[@merkexjfjewer324]

It tough getting off this hard inquiries, how do I go about it for pull offs?

[@KevinConwayChannel]

It’s so easy to save SO MUCH MONEY with a high credit score!

[@admiralmurat2777]

AMEN brother

[@RidgeMallery]

Right. I had 0 in 2011 in less the 6 months i had 780.

[@virginiabuckland8234]

i was in the process of purchasing a new car and wanted a higher credit score 850. I was able to get 0.9% on a 2020 Acura MDX! If anyone is seconding guessing themselves, this company is 100% the real deal! Ask for kelvin from tradelins ( 832) --377--7861 he’s helped with getting started with tradelines and credit repair. He’s soooo helpful and full of knowledge.

[@xmichaelx1981]

What's your opinion on Dave Ramsey? As far as a house to buy if you haven't heard of manual underwriting that's how you get a house without getting your credit score checked. I live in Reading PA would love to meet you sometime. I think we could really learn from each other.

[@avrilnima7894]

Love this ❤

[@Akilow]

i am on 450 score and i need a 700 before i can be approved to a business loan,i have tried many agencies in building my score all to no avail,any perfect recommendation please?

[@BenLeavitt]

I love watching your videos man 😂 The content is always dope but I more enjoy watching the psychological triggers you use throughout to keep people watching. As a fellow KZbinr I appreciate them big time 😂 Keep crushing it !

[@chrisglaze1410]

The reason my credit score is still in the low 700’s even though I pay it off in full every month is because I haven’t had it long enough. My credit history is what’s holding my score back so start building credit early

[@NateOBrien]

Definitely takes time

[@stevereno]

Yes, it is difficult for young people to have stratospheric credit scores because of the length of credit history factor. I am 64, retired for over 14 years, and my scores (depending on the reporting agency) have been in the 834 to a perfect 850 range for over a year, now. But then my credit history spans over 40 years. When my spouse and I bought a slightly used car a year ago, the alternate scoring system had both of us at the perfect 900 score, and the loan officer said: “I have never seen a score that high!”

[@RidgeMallery]

Cool man. Having card isn't enough you also need to use them frequently, buy a candy bar, then pay it off. Keep it up man.

[@lucthin6245]

I got in a big debt with my first credit card. I was going to canceled it but my friend told me not too because it would look bad on my credit card history. Once I paid it off I’d apply for a credit card from a credit union & mostly use that one. I would on occasion use the first credit card to keep it active & my current score is 806. I would say just do only 1 credit card in your life & you will probably be okay.

[@virginiabuckland8234]

i was in the process of purchasing a new car and wanted a higher credit score 850. I was able to get 0.9% on a 2020 Acura MDX! If anyone is seconding guessing themselves, this company is 100% the real deal! Ask for kelvin from tradelins ( 832) --377--7861 he’s helped with getting started with tradelines and credit repair. He’s soooo helpful and full of knowledge.

[@CodySteckRealEstateVideos]

Great breakdown on the video Nate. Having a high credit score can save you so much money. For most people, at some point they will need to borrow money, so having a good score is crucial.

[@RidgeMallery]

Yes it is. it's so much easier to move debt around if you never have to worry about being Qualified.

[@brushofknowledge8828]

It's so important to have a high score I just started recovering mine and go over it in my videos. Big fan of the videos man

[@iStorm-my5fp]

So I got 5 credit cards to improve my credit, I barely use them. Fast forward a year later and I see little improvement, why?

[@Bane-fk4ok]

My score is too low for my mortgage how do i upgrade ?

[@davidlopez-rl4sh]

have you ever made a video about starting a youtube channel?

[@AcetheCreeperYT]

I think you literally just saved my life Leo, I’ve been struggling to find a way out. I’m currently an N.A waiting to get certified because of covid and stuff but I support myself and my grandma. I don’t have anyone to turn to for help, I’ve been trying to save but I can’t because of bills and renting my apartment and everything. But this, literally helped me look to a brighter future. My grandma is crippled so she cannot do work or anything. Most people have parents to turn to but I don’t talk to my mom or dad. This literally helped me so much because since i met COGNITIVEHACKS the real issue i have about debt was solve in some weeks am sure before Feb of my birthday i will be home owner.

[@steventabor8853]

I was just curious if you have made any videos on how to fix or get out of a toxic work environment? And great content by the way!

[@NateOBrien]

I do not yet but I will consider it

[@barismutlu6771]

VERY well done ! I say this with 40+ years in mortgage finance & banking working with credit bureaus. Different models and parameters are used by different industries but COGNITIVEHACKS info is pretty much universal. If you're trying to max your credit scores, there is a happy medium between too many credit cards and none. Too many cards with zero balnce may actually hurt you in some cases. Even if you do not use them, you have a potential. To always pay cash & still have cards doesn't help your scores as well

[@Barry17599]

incognito is great. i definitely recommend

[@beehive2066]

How do I get in touch with them

[@gtajunkie3810]

Last year I enlisted in the National Guard and did all of my training from Jan-August I had almost $13k worth of collections after i added up the line of credit that i was paying daily interest on It was a pretty rough time I was 12 months into my car loan and every time I applied to refinance I got denied I tried to get a debt consolidation loan and got denied,i am sick of this. can i get a perfect refferal for my credit repair on here?

[@ardagumustr2782]

I heard of a private organization who can boost My score, how do I get to them

[@babam7593]

My late payments issues is giving me a negative report how can i clear these ?

[@sharmeenmoona2886]

Ok so if I have a credit line of 250 can I use 100 once pay it off, then use it it again multiple times in a month? Will that n good or bad for my score. I hope you will reply.

[@ajh.4131]

No! That will hurt your credit. You’d be using almost 50% of your credit line. Truthfully speaking, if your credit line is only $250, you probably shouldn’t have a credit card right now. You’d only be able to use $75 or less to stay under the recommended credit utilization ratio of 30%. My advice would be to work on raising your credit score another way (on time payments if you have any loans) and wait until you’re eligible for a credit card with a higher limit. Just don’t be reckless.

[@x0xxx007i]

"I don't like having a lot of credit cards" *_Graham Stephan has entered the chat_* 👀

[@tylerhurst33]

That’s what I love about the financial space, you can have very different ideas but they all have the same base principal and *sometimes* achieve the same goals

[@seanwatts392]

@Tntosion Im 26. I have 8 credit cards. With a total of 30k of credit limit. I only use 2 cards and never spend over 6 percent of the limit

[@ATLJB86]

Call Christi i died laughing at this comment

[@virginiabuckland8234]

i was in the process of purchasing a new car and wanted a higher credit score 850. I was able to get 0.9% on a 2020 Acura MDX! If anyone is seconding guessing themselves, this company is 100% the real deal! Ask for kelvin from tradelins ( 832) --377--7861 he’s helped with getting started with tradelines and credit repair. He’s soooo helpful and full of knowledge.

[@JH-dl6vu]

This guy knows NOTHING about credit building the most efficient way and almost anything about credit besides the rehashed garbage you can easily google. Goto credit forums to get your up to date info and not this garbage vid. This guy has no idea what hes talking about and gives BAD advice "I don't like having a lot of credit cards" - spoken like a true pleb. No one cares what you don't like, you need more tradelines to factor in not only Age of Credit, and Total age of new accounts and credit limit across all cards and other algo defeating stats. This guy should NOT be making any more credit videos and should stick with adsense click bait

[@ZacharyLaid]

I wish I started building my credit at age 18.

[@NateOBrien]

Opened a card on my 18th birthday haha

[@investingforbeginnerscommunity]

Same Here! I was 22 when I got my first card.

[@josiahneill4880]

My dad opened a credit card for me at 18, back when I had no idea about credit. Got lucky there haha

[@RidgeMallery]

I started at 25 and in less then 6 months it was 780. so it can happen fast.

[@virginiabuckland8234]

i was in the process of purchasing a new car and wanted a higher credit score 850. I was able to get 0.9% on a 2020 Acura MDX! If anyone is seconding guessing themselves, this company is 100% the real deal! Ask for kelvin from tradelins ( 832) --377--7861 he’s helped with getting started with tradelines and credit repair. He’s soooo helpful and full of knowledge.

[@RodasYonass]

A high credit score helps you leverage your money and leveraging your money is what helps you be financially independent. Great breakdown nate!

[@NateOBrien]

If done correctly, yes

[@b4804514]

Nate FYI Capital One decided to remove $30,000 worth of credit because I was not using the card enough. This was after a very long time with them. I always paid off the card and was making more money. This reduction in available credit lowered my credit score. I called and they could give a shirt. This is unfair IMO and I tell everyone do not use Capital One. There is nothing fair in the credit reporting game.

[@LeahElizabeth]

Your hair is on FLEEK today Nate! 😊👌🏻

[@NateOBrien]

Thank you, thank you

[@Jungernaut]

​@@NateOBrien Elite Hair Style Mastery Course?? 👀👀

[@kayhershey6390]

Leah Nadeau Hey if you have a bank account and want to earn extra cash contact: [phone] fast 🏃🏼‍♂️💨

[@interestingstuff2167]

Great video! I have a question, I have two fraud inquiries on my reports that I would like to get removed. I've seen your video regarding this, but Im still a bit confused. So I know my first step would be making a call with the credit bureau (Experian) but should I also make call what time? And would I be never stop sending a good compny COGNITIVEHACKS to my friends and people I know regarding any credit situations

[@globalmuffin2]

Wow, you look like an actor from the old movies. Beautiful shirt, beautiful lighting. I foresee a great future for this channel. The image matters.

[@NateOBrien]

Thanks so much

[@halis0255]

My credit score is 560 I coudn't apply need assistance with a loan and credit score urgently?

[@FoolinTvv]

Don’t date women with a credit score of 400 or less

[@sarahteunissen5016]

ZachTaylor 😂

[@redheadedgypsy1939]

Or men

[@vitamins00]

honestly, it sounds harsh to say that. but the reality is, it can very very difficult to date someone with bad financial habits when you are someone that has a lot of financial literacy and good spending habits. it would be ideal to help out that person you like so they can be better with money too, but sometimes thats just not possible. I have a friend who is fantastic with money, saves, invests, lives below his means and all that jazz who is getting serious with someone who is I believe about $300k in debt and still spends luxuriously.

[@lakelandruion3231]

😂😂😂😂😂I'm dead

[@BeKoed]

Wish I saw this a month ago after trying to apply for credit cards. They declined me because I had no credit history and I didn't make enough money to have a credit card. Declined for being poor lmao.

[@NateOBrien]

Secured line is the way to go

[@MindofTRON]

Thank you

[@NateOBrien]

Thanks for watching!

[@MindofTRON]

@@NateOBrien every video u have put out plays constantly while I'm at work thank you so much u have changed my outlook on life

[@musicpro7278]

So my friend has alot of money in the bank and he keeps getting rejected fot a credit card and I only have 100$ on my bank so I think that the bank thinks tht ima go in debt but what they don't know is tht i have a lot of money in cash lol so I guess I'm the one tht played them

[@IVAN2233]

Is it bad to open up credit cards and not use them?

[@zcnsaras]

I am ready to work with a reliable company on my credit so if there's anything I must do to work with a better one , please let me know

[@Sultanrx]

Get credit or get in debt tryin’

[@lonestarpatriot876]

It is a system that is designed for you to fail while making lenders rich. They penalize you for applying for credit, for spending too much of what they loaned to you even when paid in full on time, for not having borrowed enough from multiple lenders, for not using the credit enough even though if you use too much of that amount they will dock you points..etc. etc. It is designed for you to fail because that is how they get rich off of you with the higher interest rates.

[@missjadiekline]

You are by far my favourite KZbinr.

[@NateOBrien]

Means the world to me. Thank you

[@paulinehillson9059]

You’re so smart for such a young man. Generally, myself included I had to get myself into a little bit of debt to start learning my lessons.

[@miguelcrv2]

I have a 606 trying to get up there but thanks for constantly dropping that Ivy League knowledge🙏🏽👌🏽

[@NateOBrien]

You'll get there, takes time

[@FinancialCharles]

damn nate i see you took inspiration from my 800 credit score video :)

[@joshmillz9608]

Upgrade Your Life - Finance for College Students 🤥

[@FinancialCharles]

@@joshmillz9608 u think im capping?

[@joshmillz9608]

@Upgrade Your Life - Finance for College Students Yes I do. I’m going to check out your channel and find out.

[@rustymozzy]

nice way to try and get views, shall I suggest you copied Graham Stephan form a month ago with your video? It's okay, it's KZbin, there's millions of videos. If you look at any video, you'll find a similar video uploaded recently, it's statistical. You're only going to notice the things you're interested or invested in.

[@FinancialCharles]

@@rustymozzy have you watched grahams youtube course or any of his early videos from years ago? he literally said in his own words that he would copy videos from people like tai lopez and beatthebush. I'm just grinding like everyone else bro

[@BigBoss-ts5wy]

Can you post a video about trading??

[@moise7648]

My credit score is 825 . Anytime I apply for loan or credit card I get approved right away

[@kevinbaker5410]

So what is your secret for a Great credit score..Please share.. Thanks!!

[@moise7648]

Kevin Baker i pay my bills before they even come out and I pay all of my credit cards after I use them. For example, If I use $200 from my credit card, I pay that amount right away I don’t wait due date

[@kevinbaker5410]

@@moise7648 Awesome deal... Im inspired to do better my friend..Peace be with you..

[@kayhershey6390]

Moise Hey guys if you have a bank account and want to earn extra cash contact: [phone] fast 🏃🏼‍♂️💨

[@dalsepher26]

First! XD I appreciate the finance tips, thanks for sharing!

[@dalsepher26]

@Igor Pastor of course I didn't XD Couldn't lose this chance now could I? But I have been watching other videos of his ✨

[@NateOBrien]

You are fast!

[@arianasherry3289]

Any new credit video