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His credit score is WHAT?!

@financeclips_

146.9K followers · usually 35.8K views a post

Views

1.2M

Likes

85.6K

Comments

1.6K

26.3K

Why it worked

The video uses high-conflict, relatable financial drama and a shocking hook (a credit score of four) to keep viewers engaged in a clip from a longer-form show.

Summary

A clip from a financial audit show where the host reacts with disbelief to a guest's extremely low credit score and questionable spending habits. The host confronts the guest about their financial irresponsibility while reviewing their bank statements.

Structure

1Host reacts to a credit score of four
2Host and guest argue about the guest's life skills
3Host reviews bank statements showing frivolous spending
4Host confronts guest about their financial excuses

On-screen text

His credit score is WHAT?! CREDIT SCORE IS ACTUALLY FOUR. YEAH, I DIDN'T KNOW THAT WAS POSSIBLE. I DIDN'T EITHER, HONESTLY. WHAT? THAT'S INSANE. YOU SUCK AT EVERYTHING INVOLVING LIFE. YES, I CAN AGREE TO THAT. BUT NOT EVERYTHING. I STILL THINK I'M A PRETTY DECENT APEX PLAYER. TAKE THAT OFF AGAIN. NO. WHAT? TAKE IT OFF AGAIN. WHAT? YOU JUST. NO, NO. OH, SHIT. OKAY. YEAH, LITERALLY EVERYTHING EXCEPT APEX. I DON'T, I'M NOT SURE YOU'RE AS GOOD OF AN APEX PLAYER AS YOU'RE THINKING ABOUT IT. BUT IT'S TIME TO FINISH YOUR THINKING AND IT'S MUCH WORSE. IT IS NOT. WE HAVE DONE IT BEFORE. IT IS WORSE. IT IS NOT. IT FEELS WORSE. IT IS NOT. YOU GUYS ARE JUST USED TO THAT. THAT COULD BE TRUE. IT IS NOT. IT IS ACTUALLY FOUR. THAT IS AN ACTUAL SCREENSHOT. HIS CREDIT SCORE IS FOUR. THAT'S CRAZY. I'VE NEVER SEEN THAT BEFORE. THAT IS CRAZY. HOW DID YOU EVEN FIX THAT? I DIDN'T EVEN KNOW I HAD THAT. YEAH, I'M GOING TO MAKE YOU CALL THE PARENTS IN THE POST SHOW, AND I WANT TO HEAR THEIR PERSPECTIVE HERE. THIS IS FUCKING INSANE. AND HERE'S THE CHECKING ACCOUNT. IT'S ALL BULLSHIT SPENDING. WHO'S WELLS FARGO? WHO'S WELLS FARGO? WHAT THE FUCK IS WRONG WITH YOU? IF YOU'RE THE ONE CRYING TO ME ALL OF OUR MONEY COMES OUT OF MY MY ACCOUNT, SO I DON'T GIVE A FUCK, OKAY? YOU'RE THE ONE CRYING THAT YOU CAN'T GET FOOD ON THE TABLE, CRYING THAT YOU'RE BLOWING THROUGH THE 12 BECAUSE OF LIFE'S NECESSITIES. FUCK YOU, HALF PRICE HALF PRICE BOOKS. GO FUCK YOURSELF. NO, I SOLD THOSE, SO I DON'T GIVE A FUCK. YOU SPENT THE MONEY REGARDLESS. YOU'RE THE ONE THAT CHOSE TO SWIPE THE CARD. SHUT THE FUCK UP FOR A SECOND. NETFLIX, AMAZON, DOORDASH, AND SUBWAY. IT WAS ALL GROCERIES.