7 Mar 202404:42

TLDRJay Hannon, a former insider in the credit industry, exposes three major credit score myths propagated by big credit companies that can lead to financial struggles. He offers a 5-minute legal trick discovered during his work, which leverages a loophole in consumer credit laws to rapidly improve credit scores. Hannon claims this method has already helped over 833,000 people enhance their financial situation by significantly raising their credit scores, enabling them to access better credit terms. The video provides a detailed explanation of these lies and the simple strategy to counteract them, inviting viewers to learn more by clicking on the provided link.


  • πŸ“‰ Paying bills on time does not directly raise your credit score, contrary to common belief.
  • πŸ’‘ There are three major credit score myths propagated by large credit companies that can hinder your financial progress.
  • 🚫 Falling for these credit score lies can make achieving a score of 720 or above a difficult endeavor.
  • πŸ‘₯ 153 million Americans may be struggling with their credit scores due to unknowingly believing in these lies.
  • πŸ•΅οΈβ€β™‚οΈ The speaker, Jay Hannon, worked inside the credit industry for five years and witnessed people being taken advantage of by banks and credit card companies.
  • πŸ” He discovered a little-known, 100% legal trick that can raise credit scores quickly, taking advantage of a loophole in consumer credit laws.
  • ⏱️ This trick can be implemented in as little as 5 minutes from the comfort of your home.
  • πŸš€ The trick can significantly boost credit scores, even if they are in the 500s or below.
  • πŸ”— By clicking the provided link, viewers can access a special video that reveals the three credit score lies and the simple trick to improve scores.
  • πŸ“ˆ Thousands of people have reportedly improved their credit scores using the trick, with some seeing increases of over 100 points.
  • 🏑 Improved credit scores have enabled individuals to make significant financial moves, such as buying a house.

Q & A

  • What is the first of the three major credit score lies mentioned in the transcript?

    -The first credit score lie is that paying your bills on time raises your credit score.

  • What is the impact of falling for the three credit score lies mentioned by Jay Hannon?

    -Falling for these lies can make it nearly impossible to achieve a credit score of 720 or above and may even send your score spiraling in the wrong direction.

  • How many Americans are said to have a credit score below 720?

    -153 million Americans are said to have a credit score below 720.

  • What does Jay Hannon claim to have discovered while working in the credit industry?

    -Jay Hannon claims to have discovered a little-known, 100% legal trick that can raise credit scores practically on command.

  • What is the prerequisite for the trick Jay Hannon discovered to work?

    -The trick takes advantage of a little-known loophole written directly into the consumer credit laws, making it legally guaranteed to work.

  • What is the time frame in which one can start using the trick to boost their credit scores?

    -One can start using the trick as soon as today, from the comfort of their own home.

  • What is the minimum time it takes to see an improvement in credit scores using the trick?

    -The credit scores can improve in as little as 5 minutes using the trick.

  • How many people has Jay Hannon helped to improve their scores using the 5-minute credit score trick?

    -Jay Hannon has helped more than 833,000 people to improve their scores.

  • What are the benefits of using the trick to raise credit scores?

    -The trick can force banks and lenders to provide all the credit cards, loans, and lines of credit needed at interest rates normally reserved for the wealthy 1%, regardless of the current credit score.

  • What is the initial credit score of a person mentioned in the transcript who improved their score to over 700?

    -The person's initial credit score was 595.

  • What was the approximate time frame it took for someone to climb from the high 500s to mid 700s in credit score after applying the trick?

    -It took around 6 months for the person to achieve this improvement in their credit score.

  • What is the final step a person should take to learn and apply the credit score trick?

    -The final step is to click the link provided on the screen and watch the special video created by Jay Hannon.



πŸ’‘ The Myth of Timely Bill Payments and Credit Scores

The paragraph begins by debunking the common belief that paying bills on time is the key to raising one's credit score. It suggests that this is one of three major misconceptions propagated by large credit companies. The speaker, Jay Hannon, reveals that falling for these lies can make achieving a credit score of 720 or above extremely difficult. He emphasizes that he has witnessed many Americans being misled by the credit industry during his five-year tenure. Jay offers to expose these lies and provide a solutionβ€”a legal trick he discovered that can significantly boost credit scores. He invites the audience to watch a special video for more information on how to leverage this trick and improve their financial standing.



πŸ’‘Credit Score

A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness. In the video, it is central to the theme as the speaker discusses how certain misconceptions can affect one's ability to achieve a good credit score, which is crucial for obtaining loans and credit cards at favorable interest rates.

πŸ’‘Paying Bills on Time

This refers to the act of settling financial obligations, such as utility payments or loans, by their due dates. The video script challenges the common belief that this practice alone can significantly raise one's credit score, suggesting that there are other factors that are equally or more important.

πŸ’‘Credit Companies

These are organizations that provide credit reports and scores. The script implies that they propagate certain 'lies' about credit scores that can mislead consumers. The speaker aims to debunk these myths and educate viewers on the true factors affecting credit scores.


A loophole is an ambiguity or inadequacy in a system or set of rules that can be used to circumvent the intended operation of the rules. In the context of the video, the speaker claims to have discovered a legal loophole in consumer credit laws that can be exploited to rapidly improve one's credit score.

πŸ’‘Consumer Credit Laws

These are the legal regulations governing the extension of credit to consumers. The video suggests that there is a lesser-known aspect of these laws that can be used to one's advantage when trying to boost a credit score, which is a key part of the speaker's message.

πŸ’‘Banks and Credit Card Companies

These are financial institutions that provide various banking and credit services. The script portrays them as entities that may take advantage of consumers' lack of knowledge about credit scores. The speaker expresses frustration with these institutions and aims to empower viewers with knowledge to improve their financial standing.


In the context of the video, 'lies' refer to the false or misleading information about credit scores that the speaker claims are propagated by credit companies. These are presented as barriers to achieving a high credit score, and the speaker's goal is to reveal the truth behind them.

πŸ’‘Score Below 720

The number 720 is often considered a threshold for a good credit score in the United States. The video emphasizes that many Americans struggle to achieve or maintain a score above this number due to misconceptions about what affects credit scores.

πŸ’‘5-Minute Trick

This refers to a method or strategy that the speaker claims can be used to quickly and easily improve one's credit score. It is presented as a simple, legal, and effective solution that viewers can implement from home.

πŸ’‘Credit Report

A credit report is a detailed record of an individual's credit history, used by potential lenders to assess the risk of offering credit. In the video, the speaker mentions the importance of understanding and potentially improving one's credit report to increase one's score.

πŸ’‘Interest Rates

Interest rates are the percentage of a loan that a lender charges for its use. The video suggests that having a higher credit score can qualify an individual for loans and credit cards with lower interest rates, which are typically reserved for those with excellent credit.


Paying bills on time is a common misconception for raising credit score.

There are three major credit score lies propagated by big credit companies.

Falling for these lies can make achieving a score of 720 and above extremely difficult.

Over 153 million Americans are affected by these credit score lies.

The speaker, Jay Hannon, worked inside the credit industry for five years.

Jay Hannon has helped over 833,000 people improve their credit scores.

A simple 5-minute credit score trick can significantly raise your scores.

The trick leverages a loophole in consumer credit laws.

The trick can be used from home and works regardless of your current credit score.

The method has been proven to increase scores in as little as days.

The video provides a way to bypass the credit system and rapidly improve scores.

The trick forces banks and lenders to offer better credit terms.

The video has been viewed by over 2.42 million people.

Many viewers have reported significant increases in their credit scores after applying the trick.

The method allows for the removal of negative accounts on credit reports.

The trick can raise credit scores by over 100 points in some cases.

The video is a call to action for viewers to improve their financial situation.

The speaker encourages viewers to watch the video and apply the method immediately.