Here is a 150-word summary of the video in the tone of Bev O'Shea:

• As a credit specialist, I can tell you that your banker may not have as much credit expertise as you do. They often don't fully understand the underwriting process or their own products.

• When you're trying to get credit cards and loans, the banker themselves may not know the answers to your questions about credit scores and approval.

• To get an 800 credit score, you really only need 3 open revolving accounts with less than 10% utilization, plus a loan on your credit file. Paying off loans can actually cause your score to drop.

• Don't rely on scores from sites like Credit Karma - they use different scoring models that may not match what lenders see. Institutions pull from different credit bureaus too.

• Adding authorized users wisely can help, but don't go overboard. Focus on that low utilization and having a loan for the fastest path to an 800 score.

YouTube Url: https://www.youtube.com/watch?v=fKqG9SmZmV4
YouTube Channel: https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAg

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