Your Credit Today

In this episode The Real Credit Queen, Anglea talks about unleashing habits that will help you be a better person overall as it pertains to your money and how that flows in your life. As we go into the holidays, it's really important to have a plan so that we don't get in debt. Too many times people that don't plan for the holidays get in super.debt and it's all because they wanna have these lavish gifts that they're giving to their kids or they're giving to their family, and although I completely understand, giving is from the heart and sometimes people get super excited about giving and I think it's a beautiful thing. We have to be very careful that we are not getting into debt, wanting to please.What You Will Hear:Turning up the frequency of love and gratitudeHoliday spending and debtPlanning and budgetingPreparing ahead of time and advice on how to preparePlanning to savePlanning for the futureMental healthEmergency fundsQuotes:“You're never too wealthy to use coupons.”“When you get in the habit of making plans for things, then you're going to feel so much more peace and at rest.”“You should have so much money put aside for your reoccurring expenditures, your mortgage, your rent your car payment, your insurance, whatever it is that you have that are fixed expenses, you should have at least six months to a year ahead of time put away.”“You're never ever too broken to be fixed.”“I care about your future, and more importantly, I care that you understand how to use your money and your credit as a tool to build wealth. Mentioned:AngelaBessard.comAngelas@conquercredit.comI AM Music Group

Angela sits down with Jacob Hipensteel to discuss the credit system, errors in reporting and how to resolve issues. Jacob is a consumer attorney licensed in Arizona. He's a partner and the director of litigation at McCarthy Law PC a national law firm that focuses on fighting.For the little guy, McCarthy Law fights for justice by suing banks, debt creditors, and collectors and credit reporting agencies for violations of consumer protection laws.What You Will Hear:What inspired Jacob to be a lawyerWhat a consumer attorney doesCommon credit report errors and resolution issuesCustomer service. Credit report agencies customer vs consumerIdentity theftWhat attracted Jacob to consumer lawEarly financial literacy. The envelope systemBest advice ever received. Growth mindsetBecoming more financially fit. Understanding budgeting and credit as toolsShocking and concerning facts about credit disputes and scoresAdvice for our youthQuotes:‘The whole system is set up in a way that they're not able to review the disputes, correct the errors and do what's right by the consumer.” “As unfortunate as it is, there I think everybody understands that we live in a pretty litigious society. I mean, everybody's gonna sue everybody for anything all the time…..but at the same time, there's not a lot that gets a big bank's attention outside of a lawsuit sometimes.”“it's supposed to be hard when you're learning new things. When you're trying to grow it's supposed to be hard. That's the point. That's you growing.”“You can't do that. You can't use credit as a tool if you don't understand how it works.”“If you're looking at something and you don't like the way it works or you don't like the system that's in place you don't like how things are functioning, you can do something about it. There's ways to change these things.”“It's important to make sure that the advice you're getting is real advice and that you're not just going in circles because it's hard enough to get things fixed when you're doing it the right way.Mentioned:McCarthy LawAngelaBessard.comAngelas@conquercredit.comI AM Music Group

Special guest Tisha Janigian is a single mother of two teenage boys and the president and founder of nonprofit She is Hope LA. The mission is to educate and empower single mothers starting over in the workplace and to provide affordable transitional housing and childcare. The She Is Hope Realty Boutique just opened at the end of October in Encino and all proceeds go back to the nonprofit. Go to Tisha and her team because it goes for a fantastic cause. Notes: Single mothers a hand up instead of a handout https://www.sheishopela.org (sheishopela.org) determined to make a difference and fix the welfare system My father told me to get into real estate to take my life to the next level. Quotes: "When my ex and I split I had no credit, no money, and no assets to my name so it was really hard to start over" "I realized our system is broken and there is a gap over poverty" "I finally got a break with a job for a few hours a week, just over minimum wage, and because of that my food stamp benefits went down to almost nothing." "We educate our moms with experts on things like financial and legal advice, job training and preparation, mind-body wellness, and peer support."

Last show we talked about the big picture of how to get organized in a way that helps you keep the right mindset about spending and using credit cards. This week let's dive deep into that conversation and unpack the why behind our decisions with money and debt. I get questions all the time from people on how to get points to travel for free and the answer is you have to spend money! We live in a society of social media that makes things look easy, the age of desire from what we see can make us take a path unintended that can lead to disaster. It's important to create good habits and keep your mind on your money and credit! What You Will Hear: Carrying cash Protecting your future The dangers of money apps Paying attention, being curious and cautious Social media influence, researching and fact checking Credit cards and point systems  Get educated Leveraging your system Time Shares Quotes: “We live in a digital economy that is ever growing with new ways to pay and spend.” “Talk to me like I'm two.” “With new levels come new evils.” “Anything that you do in life that gains bountiful returns requires hard work.” “Your credit is an investment tool to build wealth.” Mentioned: https://angelabessard.com/ (AngelaBessard.com) Angelas@conquercredit.com https://www.iammusicgroup.com/ (I AM Music Group)

Angela guides you through the steps, tools, systems and implementation of a money management plan.  . What You Will Hear: Credit Cards Making a plan step by step process Simplifying your systems Apps, online and easy access spending Real money conversations with your kids Tools needed to maintain good credit Credit cards and spending limits Taking control and preparing for the future Quotes: “If you're not managing your spending it's really easy to overspend and not know that you're doing it.” “Sit down and have money conversations with your kids.” Mentioned: https://angelabessard.com/ (AngelaBessard.com) Angelas@conquercredit.com https://www.iammusicgroup.com/ (I AM Music Group)

Owen Beiny (@thepointspartner), better known as The Points Partner is a former CEO that has spent the last 20 years traveling around the world for free by using credit card points, air miles, upgrades and benefits. Owen joins Angela to talk about maximizing credit card benefits and what are the best credit cards to have. Best advice received  Value vs. money Financial literacy and lack thereof Ownes financial education The evolution of credit cards The importance of knowing the benefits of credit cards Insurance Back Security American Express Passive income Top 5 Credit Cards for each individual American Express Rose Gold card Quotes: “don't ever expect anything from anyone, unless you've done something for them first. Giving is absolutely the most important thing you can do.” “Having money won't make you happy. Not having money will make you unhappy”. “Money itself doesn't have the value.” “That is the best attitude to have is to always have your hands open, prepared to give.” “Being a millionaire, won't make you happy, but I'd like to find out the hard way. “ “Why are we teaching kids, how to do algebra and where to put commas in sentence? When they leave school and they enter the real world, what they actually need to know is how do they restore their own credit? How does the credit system work? How does the banking system work? How much taxes should they pay? Should they have an LLC, an S Corp, a C Corp and all of the real estate mortgages, helocs, none of the things that real humans, real adults need to know about, re they teaching.” “There is not a single annual fee of a credit card in America today that is not easily, easily justified. If you understand the benefits of the card,” Mentioned: https://thepointspartner.com/ (Pointspartner.com) https://academy.thepointspartner.com/ (Fly Free Academy) https://www.instagram.com/thepointspartner/?hl=en (Instagram) https://www.tiktok.com/@thepointspartner (TikTok) @thepointspartner Angelas@conquercredit.com https://www.iammusicgroup.com/ (I AM Music Group)

Angela chats with bada-ass Marlo Nicole about her wit grit and steadfast hunger. Marlo is a wine enthusiast, cannabis expert hospitality, founder, all around financial genius. When we speak about women and money, it's not just some clickety word real. For many years, women have been evolving in spaces one would never think of them to enter. And Marlo has done just that. She is a bad-ass we'll talk all about her wit grit and steadfast hunger. What You Will Hear: What inspired Marlo take on the world of entrepreneurship Marlo's love of helping others  Cannabis The power of words Learning about credit and its importance at an early age Entrepreneur vs Intrapreneur Marlo's motivation Best advice: Using other people's money (OPM) The importance of financial literacy and education Advice for parents Quotes: “For anybody in the world of being an entrepreneur, no becomes an opportunity for you to find the yes.” “Words are like seeds and, you know, when we burst them out of our mouth they go into the earth, they germinate and they become something.” “Your credit is an investment tool to build wealth.” “I don't care if your kid says, mom, I don't want to hear it, dad. I don't want to hear it. You keep talking and don't shut up. They're listening.” Mentioned: Angelas@conquercredit.com https://www.iammusicgroup.com/ (I AM Music Group)

Angela invites guest Ralph Bessard to join the conversation on the importance of having a credit plan.

In this episode Angela talks about the importance of creating a credit plan.  Listen in to learn the do's and don't's of  creating your credit plan. What You Will Hear: Overview of credit plan. Credit cards. The impact of interest. Credit stacking. Consumer credit vs. business credit. Thinking outside of the box. Starting a plan of action. Quotes: “People only think about what's in front of them.” “If you buy and hold property, you will absolutely have a return.” “What I want to do is prepare you to have a credit plan so that you can be prosperous in the future.” Mentioned: Angelas@conquercredit.com

When God gives you a gift you run with it like the wind and Rodney Barnes has truly tapped the sun when we talk about creative writing and producing.  He writes funny, serious, fantasy, and comics for all ages.  He is a super giver, a dad and entrepreneur, funny as heck, super connected and one of the kindest humans.  His class, kindness and never quit attitude are admirable.  He is sharp, a game-changer in the screenwriters world and the true meaning of a conqueror and friend.  Rodney is an American screenwriter and producer.  He has written and produced the Boondocks, My Wife and Kids, Everybody Hates Chris, Those Who Can, Marvel's Runways, American Gods, Wu-Tang and American Saga and is currently an executive producer and writer on HBO's Untitled Los Angels Lakers Drama.  Rodney has earned top honors for his work from Peabody Awards, American Film Institute, Writers Guild of America, BET Comedy Awards and NAACP Image Awards. What You Will Hear: Rodney's  journey in to writing. Pivotal Aha moments in Rodney's life. Rodney's why in life. Creating different revenue streams. Thinking from your heart,  manifesting things in your life and self awareness. Being honest with yourself.  Learning patience through learning about credit. Credit and behavioral patterns. The gift of financial literacy and credit literacy. Quotes: “Writing from my heart instead of my head there's a level of satisfaction that comes from my work.” “I learned early on that if I have a number of things going on at one time, if one falls off I always have something keeping me moving forward.” “Humility is the bridge to being a better person.” “If your want doesn't line up with your aptitude, that can bring a lot of heartache.” “Your credit is an investment tool to build wealth.” Mentioned: Angelas@conquercredit.com Damon Wayans Devon Franklin

Angela welcomes title expert Kelly Corona.

In this episode Angela explains everything you need to know about handling your cable bills when moving and how they can affect your credit.   What You Will Hear: Reporting public utilities on your credit report. Instructions on how to handle moving. Returning equipment. Old equipment and upgraded equipment. Owning multi unit real estate. The ending bill. Collection companies. Mid-west companies. Quotes: “Nobody actually buys their cable equipment.” “In all situations you need to care about yourself and you need to care about your business.” “The collection companies that actually collect for all of these cable companies are very, very  difficult to negotiate with.  A lot of these companies are not willing to delete this information.” Mentioned: Angelas@conquercredit.com

Troy Carter has managed the careers of some of the world's icons all the while being the best dad, husband leader and friend to so many.  Opening his home and heart for great causes to help heal our nation and of course, his big passion, changing the way digital music expands.  His class, experience and true grit are admirable. Troy is quick, sharp, a game changer and the true meaning of a conqueror and friend. Troy is the founder and CEO of Q&A, a technology and media company focused on powering the business of music via distribution, services and data analytics.  Formerly Troy was founder and CEO of Atom Factory where he rose to prominence nurturing the careers of global superstars including Lady Gaga and John Legend.  He most recently served at Spotify as its Global Head of Creator Services overseeing the company's growth strategy for artists and record labels.  In 2017 Troy was also named Entertainment Advisor to the Prince estate.  His interest in the intersection of technology and culture resulted in the formation of AF Square investments.  Early investments include Uber, Lyft, Dropbox, Spotify, Warby Parker, theSkimm, Blavity, Gimlet Media, Thrive Market, PlayVs, and FazeClan. What You Will Hear: What inspired Troy to take on the world of music. Advice for 15 year old Troy Carter. Early experience in the music industry. Financial advice and becoming a real business man. Troy's Why and what keeps him motivated. Fear of failure vs. field of possibilities. Humility and Philanthropy. Best advice received and best advice given. Understanding and capturing value. Financial literacy.  Access. Changing financial awareness in America. Understanding the credit system, compound interest and tech investing as platforms. Financial PTSD: Getting past stigma and embarrassment around money. Worthiness and survivor's guilt. Quotes: “When you make some money from music, buy real estate.” “My why is more of a why not.” “What you do speaks so loud I can't hear what you say.” “As long as the cat is bigger than the shit you keep the cat” - Jimmy Iovine “Showing up is 65% of the battle and most people don't show up.” “You can't ask directions to a street you don't know that exists.” “The music industry has done a lot for me, but investments have done a way more in terms of platform.” “Your credit is an investment tool to build wealth.” “When you invest yourself in understanding how something works and how it can work for you there is so much you can do.” Mentioned: DJ Jazzy Jeff and Fresh Prince Kenny Gamble Philadelphia International Records Jimmy Iovine The Atom Factory

Adrienne Ballion Houghton is a daytime Emmy award-winning television host, acclaimed pop vocalist, lifestyle personality, producer, and founder of the faith-based jewelry brand and luxury fashion label La Voute.  Houghton co-hosts The Real, a one-hour daily talk show on Fox television stations that premiered in 2013 and made Houghton the first Latina daytime talk show host on English language television.  Throughout its 8 seasons, Houghton has offered the show's engaged audience fresh points of view, youthful energy, and passion.  Along with her bold, diverse, and outspoken co-hosts, Houghton won a 2018 Daytime Emmy Award as Outstanding Entertainment Talkshow Host and a 2018 NAACP Image Award for Outstanding Talk Series.  Houghton launched her weekly Youtube series, All Things Adrienne, April 2018.  Serving as executive producer and fearlessly bridging viewers into her daily life through real conversations centered around her core values and relatable everyday topics.  From fashion and beauty to cooking and home decor to family and faith.  Since its launch, the channel has grown to over 1 million subscribers and has generated more than 100 million total views.  Extending her digital footprint into the fashion space, Houghton debuted the Facebook watch series, Wear It Well, in October 2019 aiming to provide women of all shapes and sizes tips for dressing confidently,  In each episode, Wear It Well challenges Houghton to style and dress a group of friends with diverse body types, guiding viewers along the way with a body positive approach to fashion and insight into finding wardrobe staples that are a perfect fit for anyone.  In November of 2018, Houghton released X1X1, an affordable jewelry brand inspired by signature pieces from her personal jewelry collection that have been passed down through generations of her family. What You Will Hear: Inspired by her hard-working mother and her immigrant, hard-working father. Adrienne's Why. Creating generational wealth. Teaching our children about finances. Best advice ever received. Self-discipline.  Saying no. Perspective and goals. One thing Adrienne never knew about credit that she now knows and thinks is important for our youth. The importance of building credit, credit score, and being responsible with your credit Quotes: “Self-discipline is the greatest form of self-love.” “Learning that it's ok to say no and self-discipline go hand in hand.” “What am I doing today that is going to benefit me tomorrow.” “Never spend the money you don't have.” “You can have millions of dollars but no one trusts you if you have bad credit.” “Credit is a risk assessor, and what it does is help  the bank understand what kind of risk you are.” Mentioned: https://thereal.com/ (The Real) https://shoplavoute.com/ (La Voute) https://shopxixi.com/ (XIXI) Santorini, Greece

Marriage and Divorce - We never plan for divorce but we make a whole lot of wedding plans but no financial or credit plans. Some think its crazy to ask someone what their credit score is but honey, its crazy if you don't. Your future depends on details, make them before marriage and divorce, you'll be happily ever after either way!

Sometimes we are too excited about the new car we forget the details of closing out the old one, take care of your business dude!

The business of collections and the industry is worth over $12 billion a year. Collection agencies work hard to recover unpaid debts and make it a practice to confuse the consumer in many different ways. Being informed and armed with the right information will help you navigate these issues and more when dealing with an old or current collection account.

The Real Credit Queen continues her talk with her kids or young adults really, ages 23, 24 and 25 about the essentials of having a plan and working it to find success. Having a plan around your money and ideas is super important so listen in and spend time with your loved ones talking about their future!

Kids and their Life Hacks #1 They say we should teach our kids, but how can we in a busy world with so many things to do. I'll tell you how! Schedule it! If you don't schedule time to talk to your kids about training them up in the way they should go in the world someone else will, and it may not be the influencer you were thinking. Our kids no matter how old they are need us to train them, mentor them and love them into positions of greatness especially when it comes to living life in the way that shoots the arrows towards success! Listen in as I talk to my son and sister about our 7 weeks of Life Hacking!

The Credit Queen answers important questions from those that are struggling to find answers to their current credit predicament.

Angela and Samantha talk about how Collections can be avoided if you monitor your credit but even then collections happen. Learn the tips and information need to combat the collection agencies and equip yourself with the knowledge to win and take action when it comes to navigating the collection world.

Angela will teach listeners the important tricks, trends and alerts about the monitoring process and how to pay attention when it matters most! Episode Outline: Monitoring your credit is a sure way to catch fraud and identity theft and protect your valuable asset! But what about the importance of managing your score and learning how your credit and score can stay bankable, learning the trends of your creditors and ultimately feeling good about knowing what to expect when you make your next purchase. When we take the time to learn why our credit is a valuable asset we will always win and stay ahead of the game!

The Real Credit Queen and special guest Sam Headlee go though examples of clients who are dealing with unexpected issues related to their payments and credit. Episode Outline: At the beginning of the stay at home order, many customers were looking for options to extend payments and reserve their cash for emergencies since they had lost jobs, contracts and business. Many entered into different options to defer payments. We discover and discuss just what those options were and what is happening now as we open the country back up.

You can avoid medical collections ending up on your credit report by negotiation ahead of time. Learn how to manage and navigate medical debt for success and saving your credit score! What you will hear in this episode 1. When I am checking out of the doctors office or hospital 2. Do I understand my part to pay and my insurance 3. Understanding Cash Price versus insurance price 4. Setting up a payment plan in writing

In this episode the Real Credit Queen more statements types line by line.

In this episode the Real Credit Queen explains mortgage and billing statements line by line.

The Real Credit Queen outlines the details you should know before you lease or purchase your next car.

The Real Credit Queen talks about ways to take advantage of the credit system and increase your credit score in less than 60 days.

The Real Credit Queen and her protege Sam Headlee talk about current market scenarios that can adversely effect your credit report and limit your ability to leverage your credit.

Angela talks about tax planning and life and leadership with Lisa Bruno from Bruno and Patterson Bruno and Patterson CPA https://www.bestcpaservices.com/ lisa@bestcpaservices.com 877-998-1040

How to get your credit in tip top shape. What to expect when hiring a company to repair your credit. The Real Credit Queen takes a deep dive into areas to which you should be privy if you are serious about repairing your credit. Understanding the Credit Score System Length of Credit History Debt to Credit Ratio Payment History Address History Multiple Names New Credit Types of Credit Any Credit closed over 90 day period Credit Bureaus Monitoring Identity Theft Collections & Legal Judgements Statute of Limitations Types of Collections Credit Card companies and late payments Mortgage Late

Taking a moment to share my interview with I AM Music Group. I AM Music Group is the company I use to record, produce and distribute my podcast. In this interview you will gain more insight into my life as the CEO of Conquer Credit Management and you'll find out what inspires me to lead in areas of credit and finance for over 30 years.

Angele Cade, CEO of Exec on the go discusses growing your small business in the current market conditions with Angela. AnGèle Cade Exec On the Go https://execonthego.com/

The Real Credit Queen sits down with Christen Berman of Wealth Cornerstones to discuss why insurance should be seen as an investment. Christen Berman | Wealth Cornerstones http://www.wealthcornerstones.net | christen.berman@wealthcornerstones.net | 805-342-0711

Angela takes time out to answer letters from past and new clients.

Angela takes time out to answer letters from past and new clients.

Put on your seat belt. Grab a pen and pad. Samantha dives deep into the world of student loans and provides a wealth of information for those who are considering or already have existing student loans,

Dynamic duo's Ralph and Angela Bessard talk about marriage and business life

Looking into the world of Entertainment with business management couple Amir & Pam Malek.

Did you apply for a PPP loan? Did you sign the PPP loan contract? Have you received funds for you PPP loan? Did you ask for a forbearance on your mortgage? Quick tips regarding recent findings with some of Angela's clients.

Angela and Angele are at it again. Great tips to help start or create a healthy small business environment. Special Guest Angele Cade | Executive On The Go www.exconthego.com

In this episode Angela gives up-to-date tips regarding credit scores and credit history as she reviews the questions she's received from clients.

We are happy to have Jeffrey on our show. Jeffrey's clients are: high net-worth families, family offices, athletes, entertainers, business owners, corporate executives, celebrities, and retirees. He also works with publicly traded small to large size companies. Jeffrey's team works with government agencies, employee benefit plans, ERISA qualified plans, endowments, foundations, and other institutional entities. Fratarcangeli Wealth Management http://fratarcangeliwealthmanagement.com

Right now we have an influx of calls regarding deferred payments.  Listen to A to the N to the G as she provides answers and tips regarding your deferment questions. Conquer Credit Angela Setters Bessard customerservice@conquercredit.com

Put on your seat belt, "This is a time to pivot and adapt." Special guest Michael Rozbruch provides an in depth look into the world of finance. Michael explains how to best navigate the IRS and insightful planning advice that many CPA's should use to help their clients remain strong during these these unstable times. Michael Rozbruch Roz Strategies.com info@rozstrategies.com 888-670-0303

Great tips on ways to protect and prepare your credit for what's ahead. Do you have interest in starting your own podcast? Check out I AM Music Group https://www.iammusicgroup.com/podcast Let them know that "A" to the "N" to the "G" sent you.

Learn more about Accounting Recruitment what's happening in the current financial market with special guest: Allan Fisher Premier Financial Search allan@pfssearch.com (661) 799-0101

Angela interviews her mother, Frances Kiradjian, a four year decade expert in the hospitality industry. Frances Kiradjian Founder & CEO BLLA - Boutique & Lifestyle Leaders Association Co-Founder & Executive Editor StayBoutique

What can we do right now to ensure that our credit and finances are in good standing? This show and our upcoming shows will give tips to ways you can protect, rebuild, and maintain your credit so you can take advantage of the opportunities ahead.

We are now in times where opportunity can be found by those who look for it. Find out what you should be focusing on in your finances. Plan and prepare for the future.

As we move into a new normal with the current state of our world, this is a great time to get ready for what's ahead. Find out what you can do to plan for the future and keep your credit and finances in order. Though we are not endorsed, find out what we have to say about creditkarma.com We share helpful tips and tools to give you an advantage in todays financial market.