Credit Repair

603 Credit Score – How People Get an 800 CREDIT SCORE using Credit Karma


603 Credit Score – Best Deal Right Now?

I maintained an 800 credit score. Then I turned around and figured out how to make it drop below 800. Then I built it back up. All using Credit Karma. Today I’m giving a Credit Karma tutorial while providing the details on my Credit Score of 800.

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My original Credit Karma video that inspired this video is right here:

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In this Credit Karma Review I share my 800 credit score and how exactly YOU can work up to build your successful credit score too. Not only sharing with you the details but also how to use credit karma as well.

Chapters of Today’s Video on How I KEEP an 800 Credit Score using Credit Karma
00:00 Credit Scores and the KARMA
02:00 Credit Karma Tutorial
04:30 How to Get an 800 Credit Score
08:00 This ONE Thing Helps Your Credit Score Improve Fast!
13:19 Why Credit Scores are VITAL (Jobs??)

If you found this video on how to get your 800 credit score helpful, be sure to share it!


*Disclaimer: Bob is not a financial advisor. Please contact a professional financial advisor prior to making any decisions including credit score decisions. Some of the links and other products that appear on this video, including Credit Karma, are from companies in which Bob Sharpe earns an affiliate commission or referral bonus. Bob Sharpe is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

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  1. Sagittarius Baddie
    July 26, 2021 at 2:39 pm

    Well personally you can have a score in the 700s and even 800 and still have debt. It’s all about making on time payments and how good you handle your credit and so much more comes with credit etc etc. speaking from Experience and also with my credit being at a 830 but other then that enjoyed your video!👌🏽

  2. Alexander Cerulo-Dehate
    July 26, 2021 at 2:39 pm

    Show me that 850!

  3. Progressives Suck
    July 26, 2021 at 2:39 pm

    From 2018 to now my score went from 563 to now 790. Not bad in my opinion but have nothing to compare with… Lol.

  4. Lillie Harris
    July 26, 2021 at 2:39 pm

    Cuz if you want anything in life like a house or something you get ready to get

  5. Jonathan Bulkheed
    July 26, 2021 at 2:39 pm

    What in TF does having a good credit score have to do with being a good employee? Talk about authoritarian and intrusive. Damn!

    So, I had a 560 while I was in the Corps as a machinegunner in Iraq. Continued on to serve 3 more deployments and was medically discharged honorably from service. Guess businesses will evaluate me as a bad employee because of my credit score… 😑

  6. Human Clay
    July 26, 2021 at 2:39 pm

    Man… credit is F$#@&D! I have 10 missed car loan payments from 2019 to 2020. No credit card use either.

  7. hnyflvr
    July 26, 2021 at 2:39 pm

    What is your FICO? asking for a friend

  8. george Diaz
    July 26, 2021 at 2:39 pm

    This is sooo helpful…. Thanks 😊

  9. Jugger Reid
    July 26, 2021 at 2:39 pm

    How long does a late payment stay on your score for?

  10. Jugger Reid
    July 26, 2021 at 2:39 pm

    If you request a credit limit increase. Would that impact your credit score negatively?

  11. ADMA
    July 26, 2021 at 2:39 pm

    6:50 , is the % used even if you use the card and pay it in full before the statement end date?

  12. AltonMassson
    July 26, 2021 at 2:39 pm

    Here's some advice on credit utilization: Ask for credit line increases from customer service, but make sure they don't cause a hard inquiry.

  13. Luis Peluyera
    July 26, 2021 at 2:39 pm

    Wasn’t u complaining about credit karma 🤦‍♂️

  14. George G
    July 26, 2021 at 2:39 pm

    mine's 806 – not bragging!

  15. Mark Medley
    July 26, 2021 at 2:39 pm

    Mine has been around 811 for ever. The only way to get it up higher is to take out a car loan or mortgage because they like to see multiple forms of credit. It’s annoying.

  16. mike Spuds
    July 26, 2021 at 2:39 pm

    Very nice

  17. T Kneat
    July 26, 2021 at 2:39 pm

    My report is very similar to yours. My payment history is 100%, card usage 0%, derogatory marks 2, 7yrs, 29 accounts, 1 hard inquiry. My score was 767 in January with 2 cards maxed out cards. I paid on those cards every month on time. As of last month, both cards are at a 0 balance, but my score did not increase as yours did. For some reason, I am still at 767. My score has not moved up a point for 4 points, can you explain what would be the reason behind no increase at all?

  18. Teresa Yeoman [Southeast CTA]
    July 26, 2021 at 2:39 pm

    One thing you might want to tell people is to make sure they keep using their first credit card (like one they got in college) so that your credit age stays high. Don't ever let that card close! 🙂

  19. Josh Phelps
    July 26, 2021 at 2:39 pm

    I have 826 and that's without everything I've paid off coming off the report

  20. Mia Crank
    July 26, 2021 at 2:39 pm

    I would say that the answer depends on the age of the individual. When someone is younger they may not have as much income. As a result, the necessities to help them proceed through life may be expensive. For example, a car that is needed for work. However, once income is high enough and savings have accumulated, credit is no longer needed due to the ability to pay for everything, even expensive purchases like a house, up front. The common issue is that it takes quite some time to reach this. When someone is younger, they have no credit and as a result no, or a poor, score. I am dealing with this right now as a younger woman. I was able to pay half of my new car up front after being abruptly reversed into by a vehicle much bigger than mine. If I did not have such a large amount upfront, I would have never been approved for the car loan due to my lower credit that is unavoidable by my age without a cosigner, which I do not have. However, I am halfway there to being able to pay everything in life upfront but in the meantime until that happens, my credit score is a necessity. 🙂

  21. Growing Slowly
    July 26, 2021 at 2:39 pm

    My card utilization is always at zero even when I use my card why is this ?

  22. Alfredo Jarillo
    July 26, 2021 at 2:39 pm

    On the right tracks, thanks for this!

  23. Lessley Zometa
    July 26, 2021 at 2:39 pm

    Can you make a video about how to approach filing taxes of investing in the stash app or investing in general?

  24. virginia thomas
    July 26, 2021 at 2:39 pm

    I commented or asked those questions before I finished watching the video. Lol I Pause the video and ran to my CK account to see things whatever, my better hafe is not associate with my derogatory information, however he does not have the financials that I have, how can I help him / us ❤️

  25. virginia thomas
    July 26, 2021 at 2:39 pm

    GM they are short ❤️Right to the point and funny. We spoke on another video I am a sweet lifer, with so much stress, financially you are helping so much. My bankruptcy was discharged dec.2019 my credit score is fair 680 I need to buy another home for my family. What can I do to speed up my credit. I have some money saved you have been showing how to grow that…….most say no because everything has changed due to covid

  26. Hazel Bankston
    July 26, 2021 at 2:39 pm

    My credit karma account has higher balances than what I actually owe ,