The summary of the following text is:
The text is a transcript of a video by Graham Stephan, a personal finance YouTuber, who explains how to get a perfect credit score of 800 or more. He covers the five factors that make up the credit score: payment history, credit utilization, credit history length, credit mix, and inquiries. He gives tips and examples on how to optimize each factor and avoid common mistakes. He also promotes his other social media channels, his stock trading app referral link, and his second YouTube channel. He ends the video by asking viewers to like and comment on the video.
Here are some key facts extracted from the text:
1. The text is a transcript of a YouTube video by Graham Stephan about how to get a perfect credit score.
2. The video covers five factors that affect the credit score: on-time payment history, credit utilization, average length of credit history, number of credit lines, and number of inquiries.
3. The video gives tips and examples on how to optimize each factor and achieve a score above 800, which is considered perfect by most lenders.
4. The video also recommends using free services like Credit Karma or Credit Sesame to monitor the credit score, and using a technique called credit piggybacking to boost the score by becoming an authorized user on someone else's credit card.
5. The video ends with a call to action to like the video, subscribe to the channel, follow Graham on Instagram, use his WeBull link to get free stocks, and check out his second channel.