Credit Repair

820 Credit Score – How to get an 800 Credit Score | Increase your FICO Score!


820 Credit Score – Most Popular?

How to get an 800 credit score, what are the 5 key factors that affect your score and how to protect your credit.

As scary as it was to have your identity stolen, I handled the right way and was able to get back on track, still maintaining a 820 credit score.

The goal of this video was to provide 18 year old me on how to build your credit, things to look out for, freezing your credit and everything I wish I knew when I was 18 years old.

Hope you guys are enjoying the content and here are some notes to help break things down.

#creditscore #800credit #creditcards

How I got a 820 CREDIT SCORE!
Before we get to technical, let’s understand why having good credit is important and it will benefit you in the future. But more importantly what you need to start doing now to in order achieve a good credit score!

Credit scores are basically a statistical analysis used by credit bureaus that evaluate your worthiness to receive credit. Lenders then use your credit scores to help determine the risk involved in making a loan, the terms of the loan and determining your interest rate. The higher your score, the better the terms of a loan.

5 Ways to increase your Credit Score:
1. Payment history (35%)
2. Credit Utilization or total debt on your CC (30% )
3. Length of credit history (15%)
4. New Credit Lines – 10%
5. Types of credits used (10%)

There are 3 credit reporting agencies you want to take note:
1. Equifax, Experian, and TransUnion
2. While there’s no exact answer to which credit score matters most, lenders have a clear favorite: FICO. A FICO score is just one brand of credit score and its used by 90% of top lenders to make decisions about credit approvals. Chances are when you apply for a mortgage, an auto loan, credit card, or a new line of credit, the bank or lender is looking at your FICO Score


34″ 5k LG Monitor – LOVE THIS MONITOR as it powers up your MacBook and could utilize it to hook up you PC via HDMI.


The Best Camera Of 2020 Canon Eos R –
My All Time Favorite for That 120fps In 1080p – CANON 1DX MII

What I Use to Record And Get 10 Bit 422 HQ 4k Files –

Best Rigs to Help Film Yourself With –

MY FAVORTIE LENS OF ALL TIME – Canon EF 24mm F/1.4L II https://Amzn.To/2unmort
FAVORTIE LENS FOR VLOGGING AND WIDE-ANGLE SHOTS Canon EF 16–35mm F/2.8L III USM Lens – https://Amzn.To/2r0tgkv

Best Wireless Mechanical Keyboard with Brown Keys – https://Amzn.To/2tqnzai

Audio Recorder and Amp – Universal Audio Apollo Twin Mkii Duo https://Amzn.To/2fsfoew
The Best Shotgun Mic in The Industry – Sennheiser Mkh-416 https://Amzn.To/2FVCG1J
Best for Vlogging And Just About Everything Else – https://Amzn.To/2tord3q

WHATS ON MY DESK – Promise Pegasus32 R4 16TB (4x4tb) Hybrid Thunderbolt 3
What I Take on The Go –

A Must Have to Clean Your Lens –

My TSA Travel Case for Camera Gear –

The Best Light for your Videos –
Aputure Light Dome II Studio Reflector Softbox –

Thanks for watching the 820 Credit Score video!

Watch the 820 Credit Score video on Youtube



  1. Omar Hamati
    August 1, 2021 at 4:27 am

    I’ve been building and monitor my credit for the past 16 years and it took a long time for me to get it to where it is today.

    If you’re watching someone else’s video and they try to trick you and tell you how you can boost your score in 15 or 30 days, well it’s not going to happen!

    Building your credit takes time and takes a lot of you doing the right thing. When I went over the five steps that affect your credit and I compared it to my credit history it makes a lot of sense and overtime you’ll get over an 800 credit score.

    If you have any other questions or concerns drop them down below and I’ll get back to you. Feel free to send me a private DM on Instagram @ Omar.Hamati

  2. Beverly Reid
    August 1, 2021 at 4:27 am

    The results on my credit report were everything they promised. Credit PatchUP and Mark Lazzaro amazing people to work with. They keep you posted and direct you in every step. I did not think it would be possible to see my credit score increase by 190+ points so quickly. I have used other services and paid so much more, without seeing any results. I truly recommend [] to anyone who is looking to improve and increase their credit score. Not just increasing your credit they teach you along the way.

  3. BK Crypto Trader - The Boss of Bitcoin
    August 1, 2021 at 4:27 am

    Americans used to be ‘citizens.’ Now we are ‘consumers.'

  4. BK Crypto Trader - The Boss of Bitcoin
    August 1, 2021 at 4:27 am

    If repairing one’s credit is as easy as sending some dispute letters to the credit bureaus then why doesn’t everyone have good credit?