Credit Talks

When it comes to financial management, there needs to be, no there has to be a shift in your mindset. When it comes to managing your finances you should be asking your self does this make Financial Sense for my family? Your money decisions should make sense financially and many of the decisions we make for our lives, careers, and family affect our finances. Today we begin having conversations that make Financial Sense. Join Me and my Guest Keely Mcbee with @pathwaydfw as we talk about the Financial Sense of Foster Care and Adoption. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. While you are there check out all of the FREE Resources available to you. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point? Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/credittalks/message

Your credit score is always on the move. Each month as things on your credit report changes so will your score, but some of these changes can happen without you doing anything. This week we discuss some events that can cause your score to go up and down from month to month. We also revisit the 5 key factors of your credit score and how they can cause these changes. Take a listen now and learn how your credit talks. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point: Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/credittalks/message

As much as I love talking money and credit with my squad, I have to sometimes take a moment and check-in with you all. So How are you all doing.. Ladies how ya'll feel? Fellas, ya'll alright? In all of my Erica fierceness lol. This week we take a moment and talk about the strain COVID19 is having on us mentally and provide a little encouragement to keep the momentum up as high as it was when this year started. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point: Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/credittalks/message

The last take of this episode was missing the episode lol hahaha. I think I was super excited to be sharing the start of this process with you all that I totally missed a step. Well here we are again and this time you guys get to hear what we are doing to prepare to take this journey. In this episode, I promise to take you all along for the ride with us and share everything we learn and do during the process. Our Next Point is homeownership and our Credit has only great things to say that will help us get there. Take a listen Now. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point: Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/credittalks/message

The Conversation Continues... This week we are talking about everything collections. We dive into how your accounts go to collections, what account can be reported, How long the collection will stay on your report and how to handle collections. Listen in now and catch up on all we have to talk about when it comes to late payments. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point: Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/credittalks/message

Oh, do we have something to talk about this week! Late Payments are the topic of discussion on this episode and we dive into how they affect your credit score, why payment history is important and how to avoid them. Wait I forgot to mention that we talk about disputing late payments on your credit report too. Listen in now and catch up on all we have to talk about when it comes to late payments. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point: Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/credittalks/message

This week I sit down with my husband and discuss his money mindset and how it has changed over the years. We talk about our recent visit to the car dealership and the thoughts we weighed while there. Listen in as we discuss how having someone in your life who thinks differently can change the way you think about finances and credit. He also gives a few tips on credit too (shocked me lol). When credit talks my husband listens and so should you. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point: Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/credittalks/message

Credit Talks is almost 5 months old and after over 15 shows and 150 plays, I just realized you all don't know who Jumaria Parker is. So allow me to introduce myself. This week I talk about me, my husband, my family, and my why. Take a listen and learn who the voice behind Credit Talks is. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point: Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/credittalks/message

Still wondering why your credit score from different places is sometimes drastically different? There is a reason for that.. actually there us a version for that too. That’s because there are different score versions available. This week we discuss the different FICO Score and industry-specific versions available. Listen in and hear what your credit score says when you pull your FICO score. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point: Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/credittalks/message

Have you ever pulled your credit score from different places and wondered why the score is sometimes drastically different? That’s because there are different score models available. This week we discuss the two big hitters in the credit reporting industry and how they calculate your credit score. Listen in and heart what your credit score says when you pull your Vantage Vs your FICO score. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point: Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/credittalks/message

The credit conversation is in motion. This episode we revise the 5 key factors of your credit score. No better wat to start off the credit conversation than by focusing on how your score is calculated. We discuss how to access your credit report, what information is included in your report, how your credit score is calculated, and the credit analysis. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point: Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/credittalks/message

January is coming to an end and our money is getting on track. We are wrapping up out budgeting segment this week and I wanted to encourage you on how important this step in the process is. Take a listen and look for your resources. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point: Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/credittalks/message

We are 17 days into the new year and our money is getting on track. Budgeting is still the focus so let's dive right on in. This week we discuss why budgeting challenges, why budgets fail and myths about budgeting. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point: Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/credittalks/message

Just wanted to check in with everyone and let you all know what’s been going on with me and why the break. We are still here and ready to kick 2020 off with a bang. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point: Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- Send in a voice message: https://anchor.fm/credittalks/message

Goodbye Christmas and hello New Year. 2020 is less than 6 days away and it's time to get our money in check. This week we talk about taking a deep dive into our current spending habits and ways to track our spending before kicking off our budgeting efforts. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point: Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/credittalks/message

My Bank account didn't take a hit this holiday season... says no one. With christmas around the corner and black Friday deals slinging left and right, bank account balances are at an all time low. Budget on another level gives you 5 tips on how to get back on track after this holiday season. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point: Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/credittalks/message

Our journey into each of the 5 key factors that affect your credit score comes to an end. Discussing FICO Score knowledge with a focus on everything Credit inquiries. Be empowered on what inquiries are, the difference between hard and soft inquiries, the importance of credit inquiries, how it affects your score, and tips on how to plan to shop for new credit. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point: Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/credittalks/message

Our journey continues into each of the 5 key factors that effect your credit score. Discussing FICO Score knowledge with a focus on everything Credit Mix. Be empowered on why I started this series, why credit is important to us all, the importance of credit mix, how it effects your score, the different types of credit accounts and tips on how to manage your credit mix. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point: Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/credittalks/message

We continue our journey into each of the 5 key factors that affect your credit score. Discussing FICO Score knowledge with a focus on Length of Credit. Be empowered on why the length of credit is important, how it affects your score, and tips on how to manage your credit length. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point: Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/credittalks/message

We continue our journey into each of the 5 key factors that affect your credit score. Discussing FICO Score knowledge with a focus on Amounts owed and Credit utilization Ratio (CRU). Be empowered on what Utilization is, why is it important, how Utilization affects your score, The two parts used to calculate CRU and tips on how to manage your lower CRU. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point: Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/credittalks/message

We take a deeper dive into each of the 5 key factors that effect your credit score. Discussing FICO Score knowledge with a focus on Payment history. Be empowered on what payment is, why is it important, how payment history affects your score, how it is calculated and tips on how to manage your payment history. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point: Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/credittalks/message

Today we discuss how to access your credit report, what information is included in your report, how your credit score is calculated, and the credit analysis. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point: Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/credittalks/message

In this episode we discuss preparing to purchase a home, obtaining a realtor and how your credit report effects your potential to purchase. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point: Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/credittalks/message

This episode I share my mental reality check where I talk about my recent diagnoses of severe depression. I relate how your finances can affect your mental health and how important it is to take care of yourself mentally as your mental stability can and will affect your financial stability. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat. Check out these resources to get you on track to reaching your Next Point: Need to build positive credit? $200 Credit Line credit card click here Self lender saving loan with payments starting as low as $25/mth click here Up to $5000 credit line click here Are you monitoring your credit? Credit Monitoring with Identity IQ Click here Credit Monitoring with Smart Credit Click here --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/credittalks/message