How To Get An 800 Credit Score In 45 Days (5 Steps)

In this video, we will discuss five steps that you can take to increase your credit score as fast as possible! Unfortunately, excellent credit scores cannot be built overnight. This video will show you some of the fastest working tricks that people can use to boost their scores within a 30 to 60 day period! If you're interested in learning more about these tactics I would advise conducting a quick google search!
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[@jona12356]

I saw your video and I told my wife to add me on the credit card and my credit went up 150 I couldn’t even believe it

[@roancaunhye6461]

I asked my wife to add me she said get lost.

[@aprilhoward2813]

Jonathan,, how long did your wife jave her credit card open befor adding you?

[@RandomPerson-nd2ey]

Yeah, I know someone who did it and they said theirs jumped by 170!

[@simoncohn-gruenwald8867]

Roan Caunhye you must have problems 😂

[@michaelburton]

Can you ask your wife to add me? 😉 🤑😂😂

[@devontemontoya6270]

Finally got my score to 800!! Im so happy!!

[@scorpioscorpio1652]

How long did it take?

[@csc1641]

I sneezed and my credit score went down 20 points.

[@myuhdidas]

Same.

[@phillyman2410]

@Stephen how???

[@phillyman2410]

@Stephen oh how much did that cost u to get the hard inquirys off?

[@phillyman2410]

@Stephen ok thanks

[@homeownerbuilderservicesll6777]

lol

[@redtango76]

I added both my sons as authorized users over a year ago.. I let them spend small amounts on the card issued to them and had them pay it monthly. My youngest was able to get a cell phone without a deposit as a result. When he recently checked his fico it was 746. Higher than mine.I initially wanted to help them establish credit so they could avoid hefty deposits for rentals and utilities when they move out...So far the strategy is paying off.

[@NateOBrien]

Genius strategy. It makes me happy to see parents teaching their children how to be financially responsible. Great work!

[@andygomez0206]

@@suzanwhite1412So good he no longer is on IG

[@mr.iamtyrone3839]

Can I be your step son..

[@augustburns8288]

Mom of the year!

[@ebukanwabuwa8345]

Contact [phone] on whatsapp(he does not take upfront payment) or hak_debra66 on instagram if you need help hacking your PayPal, bank account, credit card,fixing of creditscore,western unionhack, instagram verification,whatsapp,phonehack facebook and many more.. His fast and reliable

[@rc9272]

My credit score is 803. No longer have or need credit card debt! I became a minimalist and live below my means. My buddy's is even higher 850, he's not a spender either.

[@NateOBrien]

That's incredible! Congrats!

[@Neiace]

Help me plsssss😢🥺(I’m just starting out)

[@rickwells730]

Use your credit and live your dreams. No point of having a 800 if you're not going to use the power of it.

[@raphaeloyedele1321]

R C Message Johnnyhack50 on Instagram he he would help you with your credit cards and score

[@darnellwilliams6077]

Neia C Slap the AU tradeline. On ya credit But clean ya credit up. First. If it’s stuff on there. Hit my DM. Nellynellz_215. If u want me to go in depth. Ain’t no point in having 800 credit score. If you not gonna use the power of it. I can point you in the right direction.

[@yhssj8410]

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

[@abcertweld]

Hard pulls on credit and the lowering of the score to me has always been BS. It should never effect your credit score to me, after all it is the financial institution wanting to know. Just one man's opinion.

[@cglenn89]

I agree with you but at the same time I do understand why it should negatively impact your score. I believe it could be seen as someone always opening up new lines of credit because they don't know how to manage the accounts they have.

[@alfonsonajera2439]

Well, you know, I have heard recently that it only affects you considering your history. Supposedly, 90% of the "hard pulls" are ignored. If you have a history of late payments and are looking for a bunch of credit cards, then it shows them a 70% chance you will Default in the first 2 years..

[@MmeHyraelle]

Well one hit dont but multiples do. Like credit card shopping.

[@Duane1789]

My mom added me to one of her accounts, I had no previous credit, and my score jumped up to match hers, 780, so that method does work and i wouldn’t have been able to get the apartment I’m in now if it wasn’t for her

[@jabmcfly5310]

How long did it take homie?

[@Duane1789]

Mr. Jab McFly for my credit score to go up? She added me on close to when that card reported to the credit bureaus so it was a week, maybe 10 days at most

[@raphaeloyedele1321]

Steven Duane Message Johnnyhack50 on Instagram he would you with your credit cards and score

[@MmeHyraelle]

For hard pulls : only effect when two or more are done in a short period of time ( like a month ), because it indicates a need for credit you may not be able to pay. Like credit card shopping.

[@full.grain.]

you can have a limit of 10,000 dollars and spend much more than that each month and still keep your utilization low. all you have to do is ensure your balance is low when your credit card company reports to the credit bureaus. this is typically around your cycle date each month.

[@raphaeloyedele1321]

Tyler.r message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@ElevateWithVerne1110]

Awesome info & you are correct. Keep up the good work. I am a new youtuber and I am following you. Thanks so much!!

[@traceydailey3254]

You you can dispute on each credit bureaus website

[@donald7385]

You don't have to provide the person with a card. Just add them as an AU, they will just benefit from the long good history.

[@raphaeloyedele1321]

Donald Message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@NoName-sp5dp]

If they're responsible.

[@jazzeyt123]

Oh wow great idea !

[@lonewolfadventures0187]

What is a AU ?

[@lanreahmed244]

@@lonewolfadventures0187 Authorized User

[@NateOBrien]

Share this video with someone who is planning on buying a house/car in the near future! They'll appreciate the credit boost and potentially save thousands of dollars!

[@perryjaialai]

You and Brandon are on to something reaching out to people your age. Keep it going.

[@MisterPiNkeYe]

Nate O'Brien thanks buddy! You're great

[@robertmichael3504]

Wirth Scor thanks to him for helping me increase my credit scores.

[@Chinews773]

Hey nate great video I’m actually going threw all these steps to get a loan on a house. Now I am going to be a authorized user on my sister account my big question here is how long do I have to stay on there, say I get on her card next week, how long should I stay b4 I let them pull my credit. She is just worried about messing my credit up( she just don’t want to keep watching what kind of limit she uses. She will while I’m on her card. So that’s why my big question how long do I need to stay on there to get my score up? Does it happen right away? She has like a 820 credit score. Thanks. Please respond bud

[@Chinews773]

Nate O'Brien please answer my questions please lol ^

[@duanetv1925]

Great video and information. Especially regarding the authorized users and credit utilization!

[@NateOBrien]

Thanks!

[@carlosmendez3757]

This is glorious, I have been researching "fix your credit" for a while now, and I think this has helped. Have you ever come across - Benathan Zoniliyah Idea - (do a google search ) ? Ive heard some decent things about it and my work buddy got excellent results with it.

[@Chinews773]

How To Build Credit TV u actually respond to your subscribers , this guy 🤦‍♂️✌🏻. Back to the best videos howtobuildcredittv. Done watching this guy. Not bashing him. Just never responds to questions. U the man @howtobuildcredittv. I mean this guy explains his videos very well. Just needs to to respond to ppl. Well not me anymore, I can care less. I got my mans howtobuildcredittv. Go check him out ppl he is good! And responds to questions!!!

[@etooshort]

Nate O’Brier if someone add you to their card do you have to use the card that was issue in your name or it’s base off the account? And how long do they usually take.

[@MichaelJayValueInvesting]

Number one is so important! Years of flawless credit history can be wiped out by a single mistake. I made a video on how to never miss a payment again which described my strategy to avoid this mistake. Key is to develop a system that works for you and stick to it religiously. Great guide Nate!

[@NateOBrien]

Thanks Michael! I set up auto payments on my account just in case I forget!!

[@NateOBrien]

I will be sure to check out your vid. I am interested

[@raphaeloyedele1321]

Michael Jay - Value Investing Message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@MmeHyraelle]

Mine is my recalculation of budget, i open my sheet and redo the math then make the payments then recalculating. ( its simple af rn )

[@MegaMijit]

this is a great video idea! please do more videos about credit!

[@NateOBrien]

Thank you!!!!

[@MegaMijit]

youre welcome!!!!

[@raphaeloyedele1321]

Mega Mijit Message Johnnyhack50 on Instagram he would help you with your credit cards and core

[@raphaeloyedele1321]

Mega Mijit Message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@londontreece7828]

Thank you for this video! I have one question about credit utilization percentage: If I have a limit of $10k let's say, then I use $1k which is 10%, I have a 10% credit utilization. But if I pay it off in full does it go back to 0% credit utilization or will it stay at 10%? And to stay under 10% I should use $1k or less over the lifetime of the card? Or $1k every month and pay it off in full every month?

[@londontreece7828]

@@Make_AWish Thank you!!

[@LuisRamos-fk1em]

Nate, first Congrats on your wonderful video. Your chise if shirts, different colors make you look great. Your great, just differents colors clothes enhance your wonderful look. Take care.

[@Your-BFF]

@Nate O'Brien Great video! I really appreciate your tips. Just to confirm the Authorized User portion of this video, I used to be very irresponsible with my credit and my husband made me an authorized user on one of his credit cards - I went from a ~500 credit score to a 773 in just a little over a year. I also got caught up with all my credit card payments so I pay off all balance by the end of the billing cycle. So in short, your tips work! Thank you!

[@raphaeloyedele1321]

Barbara Fadeyi Message Johnnyhack50 on Instagram he would help you with your cards and score

[@NoPressureCal_53]

I've watched this great vid earlier today.. forgot to hit the like button 🤦🏾‍♂️ so I came back & I'm the 1k like 😎

[@ebukanwabuwa8345]

Contact [phone] on whatsapp(he does not take upfront payment) or hak_debra66 on instagram if you need help hacking your PayPal, bank account, credit card,fixing of creditscore,western unionhack, instagram verification,whatsapp,phonehack facebook and many more.. His fast and reliable

[@ricofrompico5314]

peter N scam

[@454lin]

I always say keep your utilization under 10%. Most ppl say under 30% noooo

[@raphaeloyedele1321]

L J message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@jr1427]

@@raphaeloyedele1321 my guess is her credit is doing just fine. Her credit advice was more than sound.

[@positivevibesyo]

Exactly. My utilization is always around 4% or 5% every month. My credit score went up 48 points. Lol

[@jonnyfish76]

@@raphaeloyedele1321 he sucks.

[@MmeHyraelle]

I fucking hate this. I ordered a 1200 card because i needed 1200. Had i known i would have asked 5000 to avoid this bullshit 30% balance hits the credit... isent that the fucking point of the card??

[@nurmayantcoates9436]

Thank you for the informative video, I got my first CC 7 months ago

[@mysidehustlestory5521]

Great video on improving a credit score, thanks!

[@raphaeloyedele1321]

My Side Hustle Story Message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@CCC-gg1to]

Nate, really sound advice, I do have one question; if the credit rating is of one is very poor and has defaults and is struggling would it be good to get put on to someone's credit card as an authorised user even if their credit rating is only fair? I suppose in essence I am asking A) would it be worth while and B) is there a chance that ones credit rating could negatively be impacted by becoming an authorised user on someone else's account. Appreciate the feedback 🙂👍

[@JeffBaxterOfficial]

Great video young warrior

[@NateOBrien]

Thank you Jeff!

[@raphaeloyedele1321]

Jeff Baxter Official Message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@madelynnebrazile4506]

Appreciate the tips!

[@SandieCastaneda]

Gracias ✌🏾

[@AS-tv7sy]

I became an authorized user and now it's on both of our accounts with the bank

[@raeandte4910]

a. s. Can you help me

[@AS-tv7sy]

@@raeandte4910 what do you need help with

[@bookswithbenjamin8902]

What do you mean it's on both accounts

[@raphaeloyedele1321]

a. s. Message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@redforever7853]

Good video bro. Said nothing but facts 💯

[@NateOBrien]

Thank you!

[@raphaeloyedele1321]

Red Forever messsge Johnnyhack50 on Instagram he would help you with your credit cards and score

[@nataliegrah8034]

Thanks a lot Dirk

[@zuker1952]

What happened to that 800 in 45 days? Did I sneeze and miss it?

[@beaviswealth]

Heard a few of these on Apple’s channel. Still need to getting around to setting up authorized user..

[@NateOBrien]

Make sure that the person signing up the authorized user has a longgg credit history.

[@markpedzinski4950]

Insure of some comments! It's scary giving anyone personal information!

[@todgemodagoe6103]

I am having a very bad experience on my credit pls who help?

[@giftlamata8757]

100cubefix on IG is legit

[@hirannial9151]

I have bad experiences online but a friend recommended to me succes_point on IG and it’s was perfect.

[@todgemodagoe6103]

Hiran Nial I heard you all but I’ll try success_point for a start 🔌

[@donovancorcoran1392]

If one is the in the process of paying off old debts, is it worth opening a new credit card account- not to use, but to increase available credit and thus bring down total utilization % (quicker than it can be paid down)? Does the boost from a large drop in utilization offset a new account?

[@kimonie06jones]

Donovan Corcoran I’ve went up 60pts almost a week ago. I Paid off at 101% utilization down to 2%

[@BobsTVBakery]

Short answer - yes. Another great option is if you have existing debt incurring interest or even about to incur interest from a 0% intro period then getting 2-3 cards with awesome balance transfer benefits and transferring your debt over to it is a great way to do it. Increases your overall credit availability, frees up the money that would be charged interest, and shows your previous cards as paid off in full. My score jumped like 70 points the first time I did it and a 40% utilization went to below 10%. The trick is not to use the other cards otherwise you’re digging the ditch deeper

[@raphaeloyedele1321]

Donovan Corcoran Message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@thecollectiblecollectabill2298]

im 38 and waiting for my first credit card to come in the mail. yes, i think this video will help

[@kyleenzo3]

Bill Cowall Harryconsult helped me after I provided my personal credit report and my borrowing details he he helped improve my credit score he accesible on Instagram;harryconsult_1

[@EarthUnified]

Thanks Nate for your awesome videos.

[@rakeysavage327]

Nate ... dude !! u’re awesome !! Thank you for doing this video

[@raphaeloyedele1321]

Rakey Savage Message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@justinchamberlain3443]

1:45 "authorized user" 2:01 au vs co-signing

[@perryjaialai]

another Great Video. You should mention Life Lock that will help people oversee there credit score and monitor their online transactions.

[@NateOBrien]

Lifelock is very useful!

[@perryjaialai]

Nate O'Brien yes it is and it fits in with your credit video

[@raphaeloyedele1321]

Michael Perry Message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@MegaMiir]

For a channel on financial information your like/dislike ratio is awesome.

[@NateOBrien]

Thank you! I hope it's because I have nothing to sell to my audience. A lot of people in my niche push online courses on to their subscribers

[@MegaMiir]

I think that online courses have a very big problem. They're either out of date in a couple months or so, or constantly have to be updated which would require some sort of subscription to stay in the loop. I would rather customize my own sort of program based off from Little nuggets of gold I find here and there. Love your channel by the way!

[@raphaeloyedele1321]

MegaMiir Message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@traceydailey3254]

What is the best card to be an authorized user? The one with the highest limit?

[@MartyBoy]

I’m 19 years old moved out with girlfriend have a couple credit cards, have no debt. Paying around 1660 a month in rent and it’s been 6months and I got 756 so far. Biggest thing is don’t spend money you don’t have. And don’t over spend on ur credit cards.

[@funnygamer4762]

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

[@MyyJiggy]

Hey could you give insight on how to run a business oriented KZbin channel from tips on organization to even small details like making a presentable thumbnail?

[@raphaeloyedele1321]

Myy Jiggy message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@ogseybaby1]

420, I don’t smoke pot. That’s my credit score...

[@clevesland8753]

U should with a 420 score

[@jonathanwinston8148]

I keep seeing ppl say low utilization I didn’t do that. Here’s my secret. I got a $250 credit limit with discover paying 33% in interest. For the 1st year I would send $250 money order in the mail. The following day I would go max out credit card. I paid no interest for a year before the bank realized they wasn’t making money from me. I went 516 to 709. In 1 year they’re going to cancel your credit card. In their system it’s going to show u paid 33% interest. Which looks great on your credit.

[@frenzobloxroblox1003]

I started my credit cards with my bank and got two, one being a platinum and another being rewards both with 500 dollar limits. I never had a late payment and I think it has been about a year owning these credit cards. One thing I've been doing wrong is going over 50% of the utilization rate A LOT of times. I recently figured out that I can access the FICO score on my banks website, either way it says It's at 687 and I really want to be at the 700+ club! Now I have to really watch how much I spend on those things and set a limit or opt to increase my limit to maybe 1k for both cards so I could spend more while still staying within the utilization rate safe zone.

[@raphaeloyedele1321]

FrenzoBlox Roblox Message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@breezybre2670]

May I give you a tip as someone who has a score in the 800's? Think of your credit card as a payment method only, not as a way to spend money you don't already have in your bank account. Every time you use your credit card, transfer the money to cover those charges that very day .

[@tristian9006]

Can you advise how to dispute a hospital bill from 2011 that was never paid but they renewed it to like 2019 with a debt collection company. Isn't after 7 years they can't legally do that?? I was so shocked to see that on my report. Can I dispute that?

[@burnzism]

Yes you can dispute that. The collection agency knows the debt is passed the 7 year mark but they will still try you. It's up to you to dispute it. They tried me like that before, I told them it's been over 7 years so they can't collect. They never called me again.

[@natashapea1137]

I calculated my utilization rate and it's less than 3%!! At least I do something right lol

[@juliusjones972]

My score went from 563 to 783 in 12 years thanks for your tips they really work

[@VexGod]

Is this sarcasm?😂

[@soulfulkisses8046]

I'm so glad I found this channel!!

[@raphaeloyedele1321]

Soulful Kisses80 Message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@wildricerust]

I could use some tips on how to get from the 730s closer to 800

[@bslorbust]

Yes. Im having the hardest time getting there. I'm at 740. Tried everything.

[@rc9272]

Pay off any short term (3-5 years) debt like car loans, and never be late w payments. Hope that helps.

[@curtisj2002]

@@bslorbust what you do is inch your way there. Every positive you add to account slightly raises your score. Open a line of credit with your bank or credit union, call all your cc company request a limit increase. Pay all your cc by reporting date. That should raise your score those few needed points

[@raphaeloyedele1321]

WildRiceRust Message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@Viper-sn5cx]

Which credit card bearuos do i write to? I've seen things like a i have a deliquent file ect ftom the past so i would love to get rid of it thank you so much

[@syqoz4956]

I’m 16 (I only have a debit card right now) but my parents have are around 840 definitely gonna use this tip when I get my first card 🙃

[@carriemack3568]

😢😢😢 had 800 before I got scammed on dating site😢😢😢😢 be CAREFUL out there young people AND:. If you can get a 401K, put $25.00 each paycheck INTO that 401k. Never Ever touch that 401k!!!! If you leave a job (where your 401k came from).... DO NOT "cash out!!!". You keep your $ in account. No matter HOW little bucks are in that 401. When I was 31 at great benefit job ( we're talking freaking 1990, yep, I'm OLD!)... I had $15,000 in my 401 k! Cpa told me had I JUSR LEFT $ IN THERE @ my old age I WOULD have a million $.... But nope! Idiot me cashed out 401k when I left job. I would put minimum $50.00 ea. Paycheck into the acct...you can do it!! Don't retire with NOTHING!! Love, Granny

[@highlightssl5172]

Hey Nate I am currently an authorized user, how do I use that my advantage when applying for my own card? Also if I apply for multiple credit cards as someone who has never had one (other than as an authorized user) will it affect my credit score negatively?

[@DiddyBop_]

Shane Lisman make sure you qualify... for what your applying for... I would start with a starter card like platinum card from capital one that’s your highest bet they will give around 300-500 limit then an increase after first 5 ontime payments after 1 year you can upgrade to quicksilver

[@raphaeloyedele1321]

Shane Lisman Message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@MmeHyraelle]

Multiples hard hits are NO. once a month max

[@missjayy1311]

Would this work when your credit score is in the 700’s to reach 800. Also, can you leave being an authorized user after like 6 months or so and keep the high credit score?

[@nickmartinez7674]

Losing a job affects the credit score. I was out of work for three years. I couldn't pay my bills. Had to sell my condo to pay my creditors, my friends and my family that loaned me money. I've been employed three years now and bought another condo two years ago, but my credit score still bites. DO NOT OVERCHARGE!! Several of my accounts were closed by the credit card companies. It's impossible to know what will happen today or tomorrow. Listen to these advisors and don't follow the trends that dictate its essential to have this or that new thing. It's bogus! It's your hard earned money ... don't throw it away. I learned the hard way. Still trying to repair my financial situation.

[@sarageralds7038]

Over the past few months i have come to realize that credit can be both a good and bad idea, just try fixing yours and enjoy all the benefits that comes with it. I currently have a credit score of 740 now i look forward to a credit score of a high 800 soon enough.

[@soluvlyxoxo]

How does someone apply add another person as an authorized user? What are the steps and process?

[@kyleenzo3]

soluvlyxoxo Harryconsult helped me after I provided my personal credit and my borrowing details he he helped improve my credit score he accesible on Instagram;harryconsult_1

[@1KnattyDread]

Can a authorized user activity help build the main card holder credit score???

[@sirjacobanderson]

DW mind blown

[@Lulu-ql6mm]

No, because you are adding them to your card, so when they charge their card that will show up in your balance, unless you are being added to someone else’s card, you’ll get the payment history ect that will boost your credit, I added my brother to my card he and his score went up 65 points!

[@1KnattyDread]

@@Lulu-ql6mm thanks a lot. Been waiting for an answer on this question. Well appreciated.

[@ellsworthconstructionllc]

Just know age of credit is just about more important than the score itself to a certain degree

[@squirrelflow5781]

Nate put the drip on for this video

[@gherasimtibi]

great video

[@raphaeloyedele1321]

BigTymin Message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@DrProps-np3hf]

@nate i havent had a credit card or own any loans for the past 10 years, i literally pay everything with cash. I wonder how can i check my score? Any suggestions

[@D.c5-]

Creditkarma

[@DrProps-np3hf]

@@D.c5- yea i know but it ask for a bank account which i dont use one. And it wont let me continue without that info

[@D.c5-]

@@DrProps-np3hf oof, honestly at that point I wouldnt know. You could apply for a credit card, sometimes itll tell you your score or if you apply for credit inside a store they print a paper out with your credit and you can ask them what your score is.

[@DrProps-np3hf]

@@D.c5- true that good idea. Thanks

[@Vibes876Ent]

Thanks bro

[@NateOBrien]

Thanks for checking out the video!

[@raphaeloyedele1321]

Vibes Addick Ent message Johnnyhack50 on Instagram Instagram he would help you with your credit cards and score

[@jovanaponte3400]

would you reccomend taking a loan for open a restaurant or a bar?

[@NateOBrien]

The food industry is tough to break into. I'm not a huge fan of loans but maybe you should consult with someone who has experience in that field

[@raphaeloyedele1321]

Jovan Aponte Message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@mollybuck1784]

Great info !!! Thank you 😊

[@NateOBrien]

Thanks for watching the video!

[@briandavid6996]

Hard pulls are more like 2-5 points

[@NateOBrien]

They tend to have much more of an impact if someone has recently begun to establish credit

[@anagina4980]

Great info on here. My experience with *Haxedge@ gmail. com* has been good and effective, considering the bad situation of my credit. What they advertise they will do is true. So far, I'm satisfied. In past years I've worked on credit repair and know how tedious it is & how tenacious you must be. Now, it is almost impossible to keep up with. They changed the rules. HAXEGDE has taken all that 'work' on and so far, has been worth it.

[@KiiratX06]

Can you tell me how can i get good score and history again after i messed up my credit history with collections😂😂

[@The-sn7no]

I broke wind and my credit score went up

[@KB-sg7tv]

My mom added me as an authorized user on her credit card when I was 18. It did help my credit go up. It also makes it look like I have many years of credit before I ever even technically used any.

[@raphaeloyedele1321]

D Lish Message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@masonic777]

Good video

[@raphaeloyedele1321]

SUPERMAN 7 Message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@highlightssl5172]

When you say low utilization rate do you mean on your total credit or the cards line of credit?

[@NateOBrien]

total credit line

[@ferdinanflores]

Nate O'Brien Total credit on all of your open accounts. It’s call revolving utilization

[@katiegrundle9900]

Just 5 percent? I thought 30 percent was the way to go. Will try to only use 5 percent

[@rachelt761]

Yep. My bf and I were able to buy our house because I added him as an authorized user to my credit card because I had a long history of good credit. Normally i would not recommend doing this with someone you are just dating but we are an exceptional couple 😉 get it?

[@NateOBrien]

Incredible! Thanks for sharing, I am glad you are both doing well

[@tugbekru5407]

How much did it increase and how quickly?

[@rachelt761]

@@tugbekru5407 I'm going to have to ask him but i remember it being suprisingly fast. I'd say around a month at the most. Let me text my man and see what he remembers and I'll get back to you

[@raphaeloyedele1321]

Iron Woman message Johnnyhack50 on Instagram he would help you with you with your credit cards and score

[@faithlawson9774]

Thanks. I never knew about credit card utilization and writting a good will letter to the credit card agencies. I will be implementing these ideas.

[@Drumandbass926]

My credit score is 780, I pay my card off in full at least every 2 weeks but I sometimes use over 10% of my $1,000 limit. Does that prevent my score from going up or hurt it in any way?

[@MmeHyraelle]

Anything under 300$ balance is ok but you may want to leave a balance on statement date then pay it.

[@breezybre2670]

You can spend as much as you want as long as you are paying it off frequently. I pay my card every time I charge something on it. You can have a $1000 limit and still spend $5000 a month on your card if you are continuously paying it off.

[@bookswithbenjamin8902]

I have a question. If I get multiple people with good credit to add me as an authorized user then will I benefit more than just 1 person adding ?

[@yourrival2226]

Contact: garybvl20 on instagram to get help. He helped with $20000 via cashapp and Paypal. When all i needed was to repair my credit score.

[@raphaeloyedele1321]

From The Westside With Love Message Johnnyhack50 on Instagram he would help you with your credit cards and core

[@krazed98]

"I dont know what to do with my hands"

[@andyg8031]

krazed98 😂

[@bigdaddyrafael7133]

It keeps the listening focused in on what the speaker is saying. What, would you rather have him stand there with his hands stuck to his side and not moving.

[@krazed98]

@@bigdaddyrafael7133 yes. Yes i would.

[@krazed98]

I was just pointing out something that reminded me of something else that i thought was funny... it was a joke, not a dick, so dont take it too hard mmmkay?

[@adambordelon7340]

Lol

[@farmgirl7891]

Question what’s your credit score?1k?

[@raphaeloyedele1321]

dinor Y Message Johnnyhack50 on Instagram he would help you with your credit cards and core

[@yulianagarcia6466]

Hey nate this is jonathan on my moms account whats up ! I got a 721 now

[@NateOBrien]

What's up Jonathan!

[@NateOBrien]

721 is great for a person so young

[@raphaeloyedele1321]

Yuliana Garcia message Johnnyhack50 on Instagram Instagram he would help you with your credit cards and score

[@Aliusmi]

Genius 👍🏻

[@NateOBrien]

Good luck!

[@raphaeloyedele1321]

Ali Usmi Message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@jzk2020]

Credit Score: 826 .... 32 years old baby! Millennial up in this bitch!

[@NateOBrien]

That's amazing!

[@LanoreBrown]

ashley Leo what was your score before and did it really work

[@LanoreBrown]

ashley Leo how long does it take and what did you need to follow

[@ZachAtaxx]

Is there any faster way to get the authorized user to take place before 15- 30 days? I worked my rear off for my truck this last summer and I need to get a new vehicle asap, I might as well work on building my credit making payments on a car for around $6,000 - $7,000.

[@joiwilliams5830]

Zach Pearson I put 4 clients on my credit cards and they went up over 100 points in 30 days. Let me know if you need help.

[@elsinadorsman7766]

Why wait so long to get a good credit score? Few weeks ago I implored the services of Cyberian Solutions for a credit boost and also removal of my credit card debts. Now I have 835 on the three credit bureaus ,Talk to Hinds.Larry on Instagram to proceed.

[@Residualsforever]

Joi Williams I am interested in being added to your credit cards. Send me some information

[@raeandte4910]

I’ll pay someone to put me as an authorized user on there’s for a month to 3 months but you can keep the 2nd card

[@ebukanwabuwa8345]

Contact [phone] on whatsapp(he does not take upfront payment) or hak_debra66 on instagram if you need help hacking your PayPal, bank account, credit card,fixing of creditscore,western unionhack, instagram verification,whatsapp,phonehack facebook and many more.. His fast and reliable

[@NOSKIPPIN]

I honestly think they look at every individual so differently. I have 999 out of 999 with Experian, and my credit card is pretty much always at 20-30%.

[@tinainnca]

You’re talking about a different score. Fico score max is 850.

[@nicolebramlett75]

Authorized user: This can really screw you up if the credit changes for the worse .. they stick you with their bad credit and it can’t be removed either .. so please folks be careful

[@janalcazar1277]

Nicole Bramlett I was wondering about that! Did you experience this or is it hearsay?

[@raphaeloyedele1321]

Nicole Bramlett Message Johnnyhack50 on Instagram he would help you with credit cards and score

[@t.thomspon1991]

A simple dispute letter will remove any accounts that aren’t yours off your report, you can also contact the issuing bank and dispute it they will remove it. I went through that and it was a simple fix.

[@AshGreen359]

When I check my credit score, it's just blank. That might mean zero, but why isn't there a zero?

[@MistyBigRig]

Ash Green you need 6 months of payments. For example, if you buy a car...pay for 6 months, then right at the 6 month mark it will show on the report. Having a credit card (even a small $300 limit) will work as well.

[@raphaeloyedele1321]

Ash Green message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@purple409]

You most likely don’t have enough credit built with the credit agencies

[@1199aran]

Can i have a checking account in 1 bank and a credit card in a diffrent?

[@D.c5-]

Yes

[@Anastasia-fn4sm]

Pablo Arango yes

[@1199aran]

Thanks so much

[@raphaeloyedele1321]

Pablo Arango Message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@MmeHyraelle]

Yes thats my case lol i even had to go back and open an banking app access as i didnt have debit lol.

[@user-zu6cl5sr1s]

You see, miners don't build blocks out of thin air. It requires substantial computing power and tends to stack up a huge electrical bill but once completed they unlock a

[@tl9057]

How about an authorized user on a company credit card, is it the same?

[@robertmccuiston1535]

Yes you must be around more intelligent people, but I ask some of whom I thought as a friend to authorize me but he is an idiot because he didn't understand the strategy. He has absolutely great credit 830 and above but has no idea how to use credit, so what good is it for him, nothing. Keep up the great work.

[@raphaeloyedele1321]

Robert McCuiston Message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@angelf9800]

Can you be on as an authorize user on more then one card from different people

[@raphaeloyedele1321]

Angel F Message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@garfieldgreen3427]

What was that beat at the very end?

[@raphaeloyedele1321]

Garfield Green message Johnnyhack50 on Instagram he would help you with your credit cards and score

[@ericlamotte6581]

I can attest to the divorce part not working. Court gave my ex the smallest of the debts, bank refused to change into her name, she was suppose to pay, she was late on two small credit cards 7 times each, hit my credit report. She never paid, I ended up paying them. I wrote to the credit bureaus, gave the court documents where it stated and I was told to get bent. LOL Ah yes the court system area where men have no power.

[@raphaeloyedele1321]

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[@josephcecilhornesmithjunio1426]

💛Beautiful and More!‼️ Yes!❗️

[@NateOBrien]

Thank you!

[@Qlassicrepresent]

Hey Nate, I had a question for you I never found the answer. If you use 500$ on a 10 000$ credit line per month it’s considered as a 5% use. But if you use 10 times 200$ but every time you pay the 200$ in full the next day (or the day that your credit card company bills you) is it considered as a 20% use or as a 2% use because the bills never add up ?

[@DailyThingsInLife]

so if my credit limit is $300, I should only use less than $30?

[@D.c5-]

@Gabriel hernandez same, my first credit card was with a bank that was issued to us in bootcamp, they gave me a 1000 limit on the day of graduation, I then a year later got another one wth only 300. Something is something tho

[@Glocktopus069]

Jiawei Wu You can spend more, just make sure it’s under 30 by the report date.

[@D.c5-]

@Gabriel hernandez Haha yea we do, and so did I, I actually graduated bootcamp a year ago on June 1st and high school on June 5th. Of last year.

[@dmyin7622]

I think if you spend $250 and pays it off, your score won’t be bad

[@D.c5-]

@@dmyin7622 it has to be paid before its reported to the breuers

[@scumpuppies]

So what’s the adverse if you were to remove yourself from being an authorized user after years of being an authorized user? Does your score drop significantly?

[@laurenrosario5702]

The way authorized user things work is similar to having a cosigner who has amazing credit in comparison to yours. Removing yourself from them and their credit just means that now u dont have that "insurance" so to speak. Now creditors will look only at you, your debt to income ratio, and also your payment history. It may go down some depending on your standing and other factors. If you make payments on time, your debt is 30% or less of your salary, and you have a few years of credit history then it might not affect u as much. I would only do it if ur credit is in the 700's. If its lower, the authorized user is probably benefitting u more than u realize

[@codyyoung186]

@@laurenrosario5702 Lauren hit it on the spot

[@gilbertfuentes3933]

This is a great way to get your soft credit score up. You could have it at 800 but in reality your score would be maybe 700. Only true way to increase is to take loan out or get a car financed and pay that shit.