Just another scam and waste of time watching the video. First he strings you alone for 20 minutes or so telling you he is going to tell you a “secret” on how to miraculously lower your credit score. Only at the end he tries to sell you something. Always the same thing. He drags you along until the end of an absolutely ridiculous video because he knows that any mention of selling you something will get it shut off right away. They want you to watch the whole video because they make more money from places like YouTube if they get long viewing times. Give me a break!