5 ways to build a 800+ Credit Score

@madisonmartellaro

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Why it worked

The video provides actionable, easy-to-understand tips for improving credit scores, a topic of broad interest. The creator's personal success (an 800+ score) adds credibility, and the visual of the credit report serves as social proof.

Summary

The video outlines five key strategies for improving one's credit score to reach over 800. It emphasizes the importance of never missing payments, keeping credit utilization below 10%, not closing old credit cards, paying credit cards multiple times a month, and treating credit cards like debit cards.

Structure

1Introduction to building an 800+ credit score
2Tip 1: Never miss a payment
3Tip 2: Keep credit utilization below 10%
4Tip 3: Don't close old credit cards
5Tip 4: Pay credit cards multiple times a month
6Tip 5: Don't spend what you don't have
7Conclusion: Credit scores take time but small changes make a big impact

Product placement

The video displays a credit score report from Experian, showing scores of 831, 818, and 813. The creator also mentions 'autopay' as a recommended method for payments.

Call to action

Original caption

Lower rates = more money in your pocket. #creditscore #moneytips #financialfreedom #PersonalFinance #moneytok @Experian

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On-screen text

5 ways to build a 800+ Credit Score from score Experian 831 Exceptional 300 850 No change as of May 18, 2026 See cards matched to your credit EQ 818 813 1. Never miss a payment 2. Keep credit utilization below 10% 3. Stop closing old credit cards 4. Pay on your credit cards multiple times a month 5. Don't spend what you don't already have

Transcript

If your credit score is stuck in the 600s, you're probably missing one of these five things. This is coming from someone that has a credit score of over 800, so I know a little bit about what I'm talking about. Number one, never miss a payment. And I mean never, because it will show on your credit report for a very long time. So do whatever you need to do. I highly recommend autopay, but this is one of the biggest contributors to either bringing up your credit score or really tearing it down. Number two is keeping your credit card usage below 10%. Just because you have a $10,000 credit card does not mean you should max it out. You really want to stay under 10%. Number three, stop closing old credit cards because credit age matters. And more than what I even realized is. Number four, pay on your credit cards multiple times a month. You don't want to wait until the due date because you're trying to keep that balance low, especially when the statement posts. Last but not least, number five, don't spend what you don't already have. Treat your credit cards like debit cards. If you don't have the cash, then don't spend it. Remember that an 800 credit score does not happen overnight, but small changes can lead to big impacts. So if you like financial content, then follow for more.