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The mortgage industry is debating whether to move away from the long-standing TriMerge credit reporting standard. Wendy Hannah-Olson of Equifax speaks with mathematician and behavioral modeling researcher Joni Baker at Andrew Davidson & Company about new research analyzing credit score differences across the three credit bureaus. Their discussion reveals how shifting to single or bi-merge credit reports could affect loan qualification, mortgage pricing, and risk—potentially costing consumers thousands of dollars and reshaping how lenders evaluate credit.In this episode:Why are lenders debating moving away from the TriMerge credit report?Some policymakers and industry groups are exploring whether using a single credit report or a bi-merge report could reduce costs and streamline the mortgage process. However, new research suggests that using fewer credit reports may introduce pricing uncertainty, increase risk, and lead to inconsistent loan qualification outcomes.How different can credit scores be between the three credit bureaus?According to a recent study from Andrew Davidson & Company, credit scores across bureaus can differ significantly. In the data analyzed, 27% of consumers had score differences of at least 10 points between bureaus, 14% had differences of 20 points or more, and nearly 1 in 10 had differences of 30 points or more.How could moving away from TriMerge affect mortgage pricing?If lenders rely on a single credit score instead of the TriMerge median, borrowers could move between pricing tiers more frequently. In some scenarios, a change of just 10–20 credit score points could alter loan pricing, potentially affecting mortgage costs by $3,000 to $5,000 or more over the life of a loan.
Today, I'm breaking down the best credit-builder loans and secured cards in 2026 and exactly how to use them to boost your credit score. Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/ The fastest way to boost your score isn't always about deleting negative items. Sometimes it's about adding the right positive items. Most credit repair businesses only focus on removals. But here's the truth, an empty credit report does not build a high score. Positive data does, and if you don't rebuild strategically, you're leaving massive points on the table. In this episode, I break down the best financial tools and management strategies to help you bridge the gap from poor to excellent credit. Tune in now! P.S. Join the #1 event to grow your credit repair business: http://creditrepairexpo.com/ Key Takeaways: 00:00 Intro 01:36 Repairing vs. Rebuilding Credit 03:42 Credit-Builder Loans and Secured Cards Explained 06:31 Top Credit-Builder Loans in 2026 09:27 Top Secured Credit Cards in 2026 13:22 Strategies for Rebuilding Your Credit Strategically 15:37 My Final Point 17:03 Outro Additional Resources: Get a free trial to Credit Repair Cloud Get my free credit repair training Fastest Wins in Credit Repair: 7 Things You Can Delete In DAYS Make sure to subscribe so you stay up to date with our latest episodes.
What do Bigfoot and credit reports have in common? They're both surrounded by myths. While we may never settle the question of an eight-foot-tall creature wandering the woods, we can clear up the confusion around credit reports. On this episode of Faith & Finance, Neile Simon, a Certified Credit Counselor with Christian Credit Counselors, stops by to clear up some of the most common misconceptions about credit reports and credit scores. Understanding how credit really works can help you avoid costly mistakes and make wiser financial decisions. Myth #1: Paying Off Debt Instantly Fixes Your Credit Paying down debt is always a good step—but it doesn't instantly produce a perfect credit score. A credit score reflects your history of borrowing and repayment. Lenders use it as a snapshot of how responsibly you've managed credit over time. That means improvement takes patience. The most important habit is simple: consistently pay your bills on time. Over time, that steady pattern will strengthen your credit profile. And beware of anyone claiming they can “fix your credit overnight.” Building good credit always takes time. Myth #2: Credit Counseling Ruins Your Credit Score Many people fear that seeking help will damage their credit—but that's not true. Participating in a credit counseling program is considered a neutral mark on your credit report. What can affect your score is closing accounts, not the counseling itself. In fact, nonprofit credit counseling agencies often help people regain control of their finances through structured debt management plans. If you seek help, make sure the organization is accredited and nonprofit. That's why Christian Credit Counselors is the only organization we recommend for credit counseling and debt management. Myth #3: Canceling Credit Cards Boosts Your Score Closing credit cards may seem responsible, but it can actually lower your credit score. Why? Because it reduces your available credit, which increases your credit utilization ratio—a key factor in credit scoring. If you have credit cards with zero balances and no annual fees, keeping them open can actually help your score. If you must close accounts, do it gradually—perhaps one every six months—to minimize the impact. Myth #4: Too Many Inquiries Hurt Your Score This myth was once more accurate than it is today. Credit bureaus now recognize that consumers shop for loans. If you're applying for a mortgage or car loan, multiple inquiries within a short window—typically about 45 days—are counted as a single inquiry. That means you can compare offers without damaging your credit score. And when it comes to checking your own credit report, that's considered a soft inquiry, which does not affect your score at all. In fact, it's wise to check your credit regularly to monitor for fraud or mistakes. Myth #5: You Don't Need to Check Your Credit If You Pay Bills on Time Even responsible borrowers should check their credit reports. Studies suggest that a large percentage of credit reports contain errors. Reviewing your report once or twice a year allows you to catch mistakes or fraudulent activity early. You can obtain free reports from all three major bureaus at AnnualCreditReport.com. Correcting errors can take time—sometimes up to 90 days—so staying proactive is important. Myth #6: All Credit Reports Are the Same There are three major credit bureaus: Equifax, Experian, and TransUnion. Each may contain slightly different information because creditors don't always report to all three bureaus, and updates may occur at different times. Different lenders may also use different scoring models depending on the type of loan—auto, mortgage, or credit card. For the most complete picture, it's wise to review all three reports. Myth #7: Divorce Automatically Removes Joint Debt Divorce agreements may divide debts between spouses—but they don't change the original credit contract. If your name remains on a joint account, you're still legally responsible for the debt. If the other person misses payments, your credit score can suffer too. That's why it's important to close joint accounts or refinance debts into one person's name whenever possible. Myth #8: All Negative Marks Disappear After Seven Years Some negative items disappear after seven years—but not all. For example: Chapter 13 bankruptcy: up to 7 years Chapter 7 bankruptcy: up to 10 years Positive closed accounts: can remain for 10 years The good news is that positive information usually stays longer than negative information, helping your score recover over time. Myth #9: You Can Pay Someone to “Fix” Your Credit Many companies promise fast credit repair—but most simply send dispute letters to creditors. If the information on your credit report is accurate, it cannot be removed. That means many consumers pay fees without seeing real results. The truth is, you can dispute errors yourself for free. Christian Credit Counselors provides free resources and sample dispute letters to help you correct inaccuracies. The Bottom Line Understanding how credit works empowers you to use it wisely. Credit reports aren't mysterious or magical—they simply reflect how consistently and responsibly you've handled debt over time. With accurate information, good habits, and a little patience, you can build a strong credit profile that supports your financial goals. And when challenges arise, seeking wise counsel and staying informed can help you move toward greater financial freedom. If you're struggling with credit card debt, Christian Credit Counselors can help. They've helped thousands of people get out of debt 80% faster while honoring their financial obligations. Visit ChristianCreditCounselors.org or call 800-557-1985 to learn more. On Today's Program, Rob Answers Listener Questions: My small retail business in a local mall is struggling as other stores close and sales decline. We're starting to lose money and take on debt. Should I consider closing the business and pursuing a new venture or a job to stabilize our family's finances? We've always tithed on our gross income. After selling our previous home, we made a non-taxable profit but used it to buy another home that still needs repairs and has a small mortgage. Should we tithe on that profit, or focus on maintaining the home and paying down the mortgage? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors AnnualCreditReport.com Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
What do Bigfoot and credit reports have in common? Well, they're each the subject of many myths. While we don't know much about eight-foot furry creatures, we can dispel some of the folklore about credit and credit reports. On the next Faith & Finance Live, Rob West and Neile Simon uncover and share the facts. Then, it’s on to your calls. That’s Faith & Finance Live, biblical wisdom for your financial decisions. That’s weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.
Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/ I didn't start with credit repair knowledge or money. I left home as a kid and made a living juggling on street corners. I didn't have a fancy degree. I didn't even graduate high school. I was just trying to build a career in show business until my own credit got wrecked by a bank error. Bills skyrocketed, payments were marked late when they weren't, and I nearly went bankrupt. That experience changed everything. I learned the laws, fixed my own credit, and started helping others do the same.Since then, I've helped over a hundred people make their first million repairing credit. They aren't celebrities, influencers, or finance gurus. They are everyday people, just like you, who learned a skill, started helping people and then followed a proven path. And in this episode, I'm going to reveal the top 10 secrets they used to get there. Tune in! P.S. Join the #1 event to grow your credit repair business: http://creditrepairexpo.com/ Key Takeaways:00:00 Intro 01:27 My Personal Journey with Credit Repair 03:35 Secret #1004:42 Secret #905:37 Secret #807:22 Secret #707:48 Secret #608:59 Secret #509:42 Secret #410:25 Secret #311:36 Secret #212:18 Secret #113:08 My Final Point13:46 OutroAdditional Resources:Get a free trial to Credit Repair CloudGet my free credit repair training How to Build a Million-Dollar Credit Repair Business from Nothing with Marivel SoteloMake sure to subscribe so you stay up to date with our latest episodes.
The panel reviews Pac-Man 2: The New Adventures, deeming it the most British Japanese game ever, and potentially the future of video games. Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, and Brandon Sheffield. Edited by Esper Quinn, original music by Kurt Feldman. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: Mortal Kombat series “Look! Look!” Pac-Man 2: The New Adventures Blinky Pac-Man (TV series) The Ghost Witch of Netor Sue Will Smith The Fresh Prince of Bel-Air Monkey Island series 1: Why is this game like this? (06:16) The Cutting Room Floor - Pac-Man 2: The New Adventures (Genesis) MobyGames Marvel Land Namco Pac-Attack Pac-in-Time Yakuza series The Honeymooners I Think You Should Leave “Eggman Game” sketch Red Dead Redemption Super Princess Peach Garry's Mod Freddi Fish series Putt-Putt series Sesame Street licensees Sonic the Hedgehog: Spinball The Experience Share Pokemon series Tomb Raider series Age of Empires series Tekken series Kingdom Hearts 2: If you had to live in a house shaped like a video game character, who would it be? (38:53) Super Mario Bros. 2 X-Men 2: Clone Wars Steve Slime Baba Is You Kirby Kim Kardashian 3: What other video game sequels take such a big swing they deserve the subtitle “the New Adventures?” (41:08) Sonic the Hedgehog: Spinball Overwatch 2 Valis series Zelda II: The Adventure of Link Batman Final Fantasy VI Tōru Iwatani 4: Spencer Gifts asks, should Zelda style game be called adventure games or should point and click games be called adventure games? (46:56) Legend of Zelda series Adventure Colossal Cave Adventure Book Off Uncharted series God Hand Hey You, Pikachu! Lifeline Seaman The Sims Little Computer People Haunting Starring Polterguy Lemmings Shadow Labyrinth 5: Let's talk about the hot girl in Pac-Man 2. (52:56) The Ghost Witch of Netor Pac 'n Roll Pac-in-Time Pac-Land Demona Ms. Pac-Man Pac-Mom Dexter's Mom Mike Pence 6: Let's talk about the arcade segments stapled onto this game. (58:17) The Lion King Mr. Bones 7: Is this a good game? (01:03:37) Indika Uncharted series Keita Takahashi LIGHTNING ROUND: Name Design - The New Adventures (01:13:21) Credit Report (01:21:06) Recommendations and Outro (01:22:45): Frank: Pac-Man 2: The New Adventures Brandon: The Feminine Complex, Corpse Mania (1981), Total Recall 2070, donate to Trans Continental Pipeline Ash: Read Aftermath, pay for journalism, take a walk in the sun Jaffe: Share your interests with people This week's Insert Credit Show is brought to you by patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
The panel reviews Pac-Man 2: The New Adventures, deeming it the most British Japanese game ever, and potentially the future of video games. Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, and Brandon Sheffield. Edited by Esper Quinn, original music by Kurt Feldman. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: Mortal Kombat series “Look! Look!” Pac-Man 2: The New Adventures Blinky Pac-Man (TV series) The Ghost Witch of Netor Sue Will Smith The Fresh Prince of Bel-Air Monkey Island series 1: Why is this game like this? (06:16) The Cutting Room Floor - Pac-Man 2: The New Adventures (Genesis) MobyGames Marvel Land Namco Pac-Attack Pac-in-Time Yakuza series The Honeymooners I Think You Should Leave “Eggman Game” sketch Red Dead Redemption Super Princess Peach Garry's Mod Freddi Fish series Putt-Putt series Sesame Street licensees Sonic the Hedgehog: Spinball The Experience Share Pokemon series Tomb Raider series Age of Empires series Tekken series Kingdom Hearts 2: If you had to live in a house shaped like a video game character, who would it be? (38:53) Super Mario Bros. 2 X-Men 2: Clone Wars Steve Slime Baba Is You Kirby Kim Kardashian 3: What other video game sequels take such a big swing they deserve the subtitle “the New Adventures?” (41:08) Sonic the Hedgehog: Spinball Overwatch 2 Valis series Zelda II: The Adventure of Link Batman Final Fantasy VI Tōru Iwatani 4: Spencer Gifts asks, should Zelda style game be called adventure games or should point and click games be called adventure games? (46:56) Legend of Zelda series Adventure Colossal Cave Adventure Book Off Uncharted series God Hand Hey You, Pikachu! Lifeline Seaman The Sims Little Computer People Haunting Starring Polterguy Lemmings Shadow Labyrinth 5: Let's talk about the hot girl in Pac-Man 2. (52:56) The Ghost Witch of Netor Pac 'n Roll Pac-in-Time Pac-Land Demona Ms. Pac-Man Pac-Mom Dexter's Mom Mike Pence 6: Let's talk about the arcade segments stapled onto this game. (58:17) The Lion King Mr. Bones 7: Is this a good game? (01:03:37) Indika Uncharted series Keita Takahashi LIGHTNING ROUND: Name Design - The New Adventures (01:13:21) Credit Report (01:21:06) Recommendations and Outro (01:22:45): Frank: Pac-Man 2: The New Adventures Brandon: The Feminine Complex, Corpse Mania (1981), Total Recall 2070, donate to Trans Continental Pipeline Ash: Read Aftermath, pay for journalism, take a walk in the sun Jaffe: Share your interests with people This week's Insert Credit Show is brought to you by patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/ What if I told you that some negative items on your credit report can be removed in just days, while others could take years if you go after them first? And here is the kicker, almost everyone starts with the wrong ones.Most people think deleting negative items from a credit report is slow, painful, and random, but it is not. There is actually a speed order. Once you know it, you can start racking up wins a whole lot faster.In this episode, I am breaking down the seven fastest things you can delete from a credit report, ranked by speed. You will know exactly what to go after first, get results faster, and start seeing your credit improve sooner than you thought possible.Stick around, you do not want to miss this one.5 Dispute Letter Templates Every Credit Hero Needs: https://www.creditrepaircloud.com/dispute-letter-templatesKey Takeaways:00:00 Intro 02:03 Why Speed Matters 02:55 Duplicate Accounts 03:55 Incorrect Personal Information 06:47 Closed Accounts Reporting Incorrect Statuses08:19 Utility Disputed With Precision 09:15 Small Junk Debt Buyer Collections 10:30 Medical Collections Under the Newest Reporting Rules 12:12 Unauthorized Hard Inquiries15:00 My Final Point16:18 OutroAdditional Resources:Get a free trial to Credit Repair CloudGet my free credit repair training He Lost Everything… Then Built a Million-Dollar Credit Repair EmpireMake sure to subscribe so you stay up to date with our latest episodes.
In many divorces, one spouse understands the finances while the other is left in the dark. When money is missing, income doesn't add up, or a business is involved, forensic accounting can play a critical role. In this episode of Divorce at Altitude, Amy Goscha is joined by forensic accountant Doug Cash to discuss when and why forensic accounting becomes essential in a Colorado divorce.Amy and Doug walk through common financial red flags, explain how forensic accounting differs from business valuation, and discuss how early involvement can save both time and money.Doug CashDoug Cash is a forensic accountant with ID Bailey and a former law enforcement fraud investigator. His background includes decades of experience investigating financial crimes, insurance fraud, and money laundering. Doug now works with attorneys and clients in divorce and litigation matters to trace funds, clarify income, and bring transparency to complex financial situations.Episode OutlineWhy Financial Imbalances Are Common in DivorceHow one spouse managing the finances can leave the other vulnerable when divorce begins.Forensic Accounting vs. Business ValuationThe difference between reconstructing financial records and valuing a business based on reported data.The Importance of Early InvolvementWhy engaging a forensic accountant early can reduce costs and prevent delays.Sworn Financial Statements and Tax ReturnsWhy reported income may not reflect reality without reviewing source documents.Discovery, Source Documents, and Cost ControlHow focused discovery and original records keep investigations efficient and affordable.Credit Reports and Hidden Financial ActivityHow credit reports can uncover undisclosed accounts, loans, and spending.Tracing vs. Following MoneyThe difference between identifying where money started and where it ultimately went.Cryptocurrency and Emerging ChallengesHow digital assets and crypto wallets complicate modern divorce cases.Cost-Conscious Forensic OptionsWays to gain financial clarity without a full forensic engagement.Using Forensic Accounting in Mediation and CourtHow clear financial analysis strengthens mediation strategy and trial testimony.What is Divorce at Altitude? Ryan Kalamaya and Amy Goscha provide tips and recommendations on issues related to divorce, separation, and co-parenting in Colorado. Ryan and Amy are the founding partners of an innovative and ambitious law firm, Kalamaya | Goscha, that pushes the boundaries to discover new frontiers in family law, personal injuries, and criminal defense in Colorado. To subscribe to Divorce at Altitude, click here and select your favorite podcast player. To subscribe to Kalamaya | Goscha's YouTube channel where many of the episodes will be posted as videos, click here. If you have additional questions or would like to speak to one of our attorneys, give us a call at 970-429-5784 or email us at info@kalamaya.law. ************************************************************************ DISCLAIMER: THE COMMENTARY AND OPINIONS ON THIS PODCAST IS FOR ENTERTAINMENT AND INFORMATIONAL PURPOSES AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE. CONTACT AN ATTORNEY IN YOUR STATE OR AREA TO OBTAIN LEGAL ADVICE ON ANY OF THESE ISSUES.
#263: Chris breaks down exactly how he's earned millions of points and miles, and why simplicity matters more than optimization. He covers signup bonuses, spending strategies, credit score impacts, business cards, cash-back alternatives, and how to decide when a card (or perk) is actually worth it. Link to Full Show Notes: https://chrishutchins.com/points-and-miles-simplified-credit-cards Partner Deals Fabric: Affordable term life insurance for you and your family Bilt Rewards: Earn the most valuable points when you pay rent Gusto: Free 3-month trial of the #1 payroll software Notion: Try Notion Agent free to automate tedious tasks and streamline your work Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Credit Cards: Best Cards Page Alaska Airlines Visa® American Express® Green Card American Express Platinum Card for Schwab Atmos™ Rewards Summit Visa Infinite® Card Bank of America® Premium Rewards® Elite Bank of America® Unlimited Cash Rewards Bilt Palladium Card (Rates and fees here) Capital One Venture X Business Capital One Venture X Rewards Credit Card Citi® / AAdvantage® Executive World Elite Mastercard® Coinbase One Card Costco Anywhere Visa® Card by Citi Hilton Honors American Express Aspire Card Robinhood Gold Card The Business Platinum Card® from American Express U.S. Bank Altitude® Reserve Visa Infinite® Card Venmo Credit Card Wells Fargo Autograph℠ Card Rakuten: Free $50 here Business Payment Platforms: Plastiq | Melio IRS Authorized Payment Providers Pay1040 ACI Payments Reddit: Credit Card Spend Needed to Achieve Each Airline Status Tier ATH Podcast Chris' Credit Card Optimizer Tool Ask Chris Anything! Membership Gift Card Site Ep #164: Earn Points Paying Taxes with a Credit Card (+ Latest Deals/News) Ep #200: Debunking Tax Myths, Avoiding Audits and Maximizing Savings with Jasmine DiLucci Ep #221: Deep Dive on Credit Reports, Scores, and Their Real-World Impact Ep #247: Deep Dive on Bank of America Credit Cards (Up to 5.25% Cash Back) Ep #248: How to Stop Over-Optimizing and Focus on What Matters with Tim Ferriss Ep #258: My Top 5 Mistakes with Points & Miles Ep #261: Goals, Tools, and Mindset Shifts for a Better 2026 with Kevin Rose Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction(01:26) How Chris Has Earned 15+ Million Points(03:46) Why Signup Bonuses Still Matter More than Everything Else(05:04) The Role Everyday Spending Actually Plays(08:42) When Transfer Bonuses Are Worth It(12:24) How Chris Leverages Referral Bonuses(13:24) What Having "Too Many" Credit Cards Really Does to Your Credit Score(16:13) How Many Signup Bonuses per Year Is Reasonable?(16:44) Why Spend Requirements Are the Real Bottleneck(18:23) Approval Odds and Timing Applications(22:04) Getting Approved for Business Cards (Without A Business)(27:23) Maximizing Rewards without Overcomplicating It(30:18) When Cash Back Is the Better Option(32:48) Best Cards for Big, One-Time Expenses like Weddings(37:24) Making Sense of Card Rules and Restrictions (38:13) Annual Fees: How to Decide if They're Worth Paying(41:12) Paying Taxes with a Credit Card(46:28) How to Think about Points if You Mostly Care about Hotels(49:10) Is CLEAR Worth It?(51:48) How DoorDash Credits Work(53:25) Is There a Shortcut to Airline Loyalty Status?(57:04) The Best Credit Card for Costco Spending(59:19) Are the New Bilt Cards Actually Bad? Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Learn more about your ad choices. Visit megaphone.fm/adchoices
The panel reviews Mr. Bones, a Sega Saturn classic featuring frustrating design choices, a certain comedy level, and skeletism. Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, Brandon Sheffield. Edited by Esper Quinn, original music by Kurt Feldman. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: “Oh, there go all my bones!” Mr. Bones Bonk series 1: How did we get here? (03:57) Sega Saturn Star Trek Awesome Games Done Quick January 6 United States Capitol attack Mr. Bones by Lizstar in 1:12:00 Boneitis LSD: Dream Emulator Game Boy Color Game Gear Street Fighter series PlayStation Sega Genesis Sega Dreamcast Ronnie Montrose Ed Anunziatta Sinners (2025) Paul Pena Bastion 2: What are the good versions of the ideas presented in this game? (27:20) Tempest Vectorman series Arzette: the Jewel of Faramore Fitz Houston Seinfeld Contra series 3: Brenton Woodrow asks, which Saturn or Dreamcast game that never had a sequel is best suited for a sequel in 2021? (37:02) Burning Rangers Magic Knight Rayearth Sonic R Richard Jacques Sonic & All-Stars Racing series Powerslave Black Fire Metroid Prime Final Fantasy II Last Bronx Shining Force series Panzer Dragoon Saga Rick Moranis Clockwork Knight Dark Savior 4: If not Mr. Bones, what's the best skeleton in a video game? (42:04) Dry Bones Dry Bowser Mr. Bones Japanese cover Grateful Dead 5: Let's talk about this game's comedy level (44:46) Monkey Island series Grand Theft Auto series Super Mario series Jeff Fort Zono, Inc. Generations Lost Bruce Straley The Last of Us KISS Frank's preservation of the print art for Generations Lost X-Men 6: What can we learn about the blues from this video game? (51:07) Paul Pena Jet Airliner 7: Do you like Mr. Bones? (56:43) TechnoClash X-Men 2: Clone Wars The Amazing Spider-Man: Web of Fire Sega Channel Sega Menacer Freak Boy LIGHTNING ROUND: Name Design - Mr. Organs (01:02:31) Credit Report (01:08:16) Recommendations and Outro (01:13:08): Brandon: The All New, All Astonishing Insert Credit Patreon, May I Ask For One Final Thing?, Journal with Witch, Blackhawk Museum Ash: Ball x Pit, touch grass, tell people you care about them, this empire shall burn too Frank: someone make a thread in the forums of media where fascists lose and die This week's Insert Credit Show is brought to you by patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
The panel reviews Mr. Bones, a Sega Saturn classic featuring frustrating design choices, a certain comedy level, and skeletism. Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, Brandon Sheffield. Edited by Esper Quinn, original music by Kurt Feldman. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: “Oh, there go all my bones!” Mr. Bones Bonk series 1: How did we get here? (03:57) Sega Saturn Star Trek Awesome Games Done Quick January 6 United States Capitol attack Mr. Bones by Lizstar in 1:12:00 Boneitis LSD: Dream Emulator Game Boy Color Game Gear Street Fighter series PlayStation Sega Genesis Sega Dreamcast Ronnie Montrose Ed Anunziatta Sinners (2025) Paul Pena Bastion 2: What are the good versions of the ideas presented in this game? (27:20) Tempest Vectorman series Arzette: the Jewel of Faramore Fitz Houston Seinfeld Contra series 3: Brenton Woodrow asks, which Saturn or Dreamcast game that never had a sequel is best suited for a sequel in 2021? (37:02) Burning Rangers Magic Knight Rayearth Sonic R Richard Jacques Sonic & All-Stars Racing series Powerslave Black Fire Metroid Prime Final Fantasy II Last Bronx Shining Force series Panzer Dragoon Saga Rick Moranis Clockwork Knight Dark Savior 4: If not Mr. Bones, what's the best skeleton in a video game? (42:04) Dry Bones Dry Bowser Mr. Bones Japanese cover Grateful Dead 5: Let's talk about this game's comedy level (44:46) Monkey Island series Grand Theft Auto series Super Mario series Jeff Fort Zono, Inc. Generations Lost Bruce Straley The Last of Us KISS Frank's preservation of the print art for Generations Lost X-Men 6: What can we learn about the blues from this video game? (51:07) Paul Pena Jet Airliner 7: Do you like Mr. Bones? (56:43) TechnoClash X-Men 2: Clone Wars The Amazing Spider-Man: Web of Fire Sega Channel Sega Menacer Freak Boy LIGHTNING ROUND: Name Design - Mr. Organs (01:02:31) Credit Report (01:08:16) Recommendations and Outro (01:13:08): Brandon: The All New, All Astonishing Insert Credit Patreon, May I Ask For One Final Thing?, Journal with Witch, Blackhawk Museum Ash: Ball x Pit, touch grass, tell people you care about them, this empire shall burn too Frank: someone make a thread in the forums of media where fascists lose and die This week's Insert Credit Show is brought to you by patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/Did you know that medical debt is the number one source of collections on credit reports? Medical collections have been the wild west of credit repair for years, but get ready. The rules are changing again, and if you're not prepared, you could miss out on some of the easiest wins that you'll see all year. Today, I'm breaking down the newest medical collection rules, how they impact your strategies, and the exact steps that you can take to get faster deletions. Plus, I'm going to share the one medical collection loophole that most Credit Repair Pros completely miss, and it could mean the difference between a 50-point boost and a 100-point boost, so you better stick around!Let's jump right in. P.S. Join the #1 event to grow your credit repair business: http://creditrepairexpo.com/Key Takeaways:00:00 Intro 01:10 The Sad Truth Behind Medical Collections 02:20 New Regulations and Their Impact 05:15 My Proven 5-Step System for Removing Medical Collections 07:43 Secret Medical Collection Loophole 08:24 How to Take Advantage of the New Rules in Your Business 10:34 My Final Point 11:49 OutroAdditional Resources:Get a free trial to Credit Repair CloudGet my free credit repair training How To Get Easy Credit Repair Results For Your Clients (Even If You're Not An Expert Yet)Make sure to subscribe so you stay up to date with our latest episodes.
Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/Ever seen one of those “Click Here to Dispute” buttons on Equifax, Experian, or TransUnion's website and thought it looked like a quick and easy fix?Well, that innocent-looking button is actually one of the biggest traps in credit repair… and it could destroy your chances of getting real deletions in the future. When you click on it, you're not just starting a dispute. No, you're agreeing to the bureau's fine print, and trust me, the fine print is not something you want to agree to. That's why today, I'm breaking down why these online disputes fail, what rights you lose, and how to actually fix your credit in 2026, so that you won't become another victim of this predatory system. Tune in! Key Takeaways:00:00 Intro 01:10 Why Online Disputing Is a Trap 03:31 Why Online Disputes Fail 90% of the Time 06:38 The Power of Paper 08:27 My Final Point 09:03 OutroAdditional Resources:Get my free credit repair trainingAre These Viral Credit Repair Tricks Total Scams?Make sure to subscribe so you stay up to date with our latest episodes.
Emmaline Aliff of Equifax joins Dr. Amy Crews Cutts, Chief Economist at AC Cutts & Associates, to unpack the real costs and competitive dynamics of mortgage credit reporting. They dig into what the data actually shows about tri-merge pricing, lender negotiation power, fallout loans, and the entry of VantageScore.In this episode:What is the true cost of pulling a credit report for a mortgage?The cost of a mortgage credit report usually falls within a wide range—from around $40 up to about $240 per file, depending on factors like the number of borrowers and the products included (such as trended data or monitoring services). While some lenders cite an average cost around $155, the actual cost is often driven by how many borrowers are on the application, how many times credit is pulled, and which ancillary services are added.Why do lenders say credit reports are “too expensive”?Many lenders feel credit reports are expensive not because of the unit price, but because of fallout—loans that never close. When a lender pulls credit and the borrower doesn't complete the loan, the lender usually eats that cost. Unlike appraisals, credit report fees are often not collected upfront, so unrecovered costs on fallout loans can make credit reporting feel disproportionately expensive.How much does a credit report actually matter in the total cost of a mortgage?In the context of a full mortgage transaction, the credit report fee is typically a small fraction of total closing costs and prepaid expenses. Even if a report costs $60–$150, that's minimal compared to items like taxes, insurance, and appraisal fees. The real financial impact often comes from how credit information influences interest rates and approvals, not just the report fee itself.What is a tri-merge credit report and why does it exist?A tri-merge credit report combines data from the three nationwide credit reporting agencies—Equifax, Experian, and TransUnion—into one consolidated file. This helps:Reduce blind spots by capturing regional and portfolio differences between bureausGive investors and GSEs (Fannie Mae, Freddie Mac) a more complete view of borrower riskSupport underwriting models that rely on rich, multi-bureau data rather than a single viewTri-merge helps maintain investor confidence in mortgage-backed securities by reducing data gaps and gaming risk.
October 29, 2025 ~ Dave Sowerby, Managing Director and portfolio manager at Ancora Bloomfield Hills, joins Kevin to discuss how the Trump administration is moving to overrule state laws protecting credit reports from medical debt. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
Money Talks is hosted by Ryder Taff, Portfolio Manager at New Perspectives. To email a question to the show, send it to money@mpbonline.org. In this episode, we talk about the credit report and Ryder answers several listener calls. If you enjoy listening to this podcast, please consider contributing to MPB. https://donate.mpbfoundation.org/mspb/podcast. Hosted on Acast. See acast.com/privacy for more information.
Book a free strategy session: https://api.leadconnectorhq.com/widget/booking/onYJLLKmCMcabCKhKCwiFree Collections Deletion Guide (3-Step System): https://5587-michael.systeme.io/collections-deletion-guideEnjoy 7-day FREE trial: https://www.skool.com/cat-credit-university-9355/aboutFollow Michael on Instagram:www.instagram.com/michobenjaminBuy my book: https://www.amazon.com/Power-Yet-Michael-Benjamin-ebook/dp/B07T2T55K8/ref=sr_1_1?crid=2HGW4JEXO2T7D&dib=eyJ2IjoiMSJ9.qqv14sZ4c0oymE34ZlnxhZn1JE9CHddjNPYX8qsEMjO0-B3OmcsX65qRuNJAZCI-MOvySfRVA95xoAs7h0xbNa-74_eAZPTJx7PwMtAXTVX4waJM1SB3-tJyQ_nSfRTln3Pnrnrb2kYHoagZqC5YfPAkC3ikyX24ZkNGCjTH6NmqlGXlNhROVJjmm1xiQjAjuWeScmwmA9jba-4lB34ukqpJ9W88Ahcyu-VaVnLzXHj81ZaXea0ygbRBytaL-9gqYdEEesA0rpyRftZnD-HsiuG3-dey2nHFcvUkn4wwRas.0bodokMw9Vp0et1JP3ndcmIhLEtFB8kMae5gBiJ5-F4&dib_tag=se&keywords=the+power+of+yet&qid=1758751044&sprefix=the+power+of+yet%2Caps%2C205&sr=8-1
Enjoy 7-day FREE trial: https://www.skool.com/cat-credit-university-9355/aboutFree Collections Deletion Guide (3-Step System): https://5587-michael.systeme.io/collections-deletion-guideFollow Michael on Instagram:www.instagram.com/michobenjaminBuy my book: https://www.amazon.com/Power-Yet-Michael-Benjamin-ebook/dp/B07T2T55K8/ref=sr_1_1?crid=2HGW4JEXO2T7D&dib=eyJ2IjoiMSJ9.qqv14sZ4c0oymE34ZlnxhZn1JE9CHddjNPYX8qsEMjO0-B3OmcsX65qRuNJAZCI-MOvySfRVA95xoAs7h0xbNa-74_eAZPTJx7PwMtAXTVX4waJM1SB3-tJyQ_nSfRTln3Pnrnrb2kYHoagZqC5YfPAkC3ikyX24ZkNGCjTH6NmqlGXlNhROVJjmm1xiQjAjuWeScmwmA9jba-4lB34ukqpJ9W88Ahcyu-VaVnLzXHj81ZaXea0ygbRBytaL-9gqYdEEesA0rpyRftZnD-HsiuG3-dey2nHFcvUkn4wwRas.0bodokMw9Vp0et1JP3ndcmIhLEtFB8kMae5gBiJ5-F4&dib_tag=se&keywords=the+power+of+yet&qid=1758751044&sprefix=the+power+of+yet%2Caps%2C205&sr=8-1
Enjoy 7-day FREE trial: https://www.skool.com/cat-credit-university-9355/aboutFree Collections Deletion Guide (3-Step System): https://5587-michael.systeme.io/collections-deletion-guideFollow Michael on Instagram:www.instagram.com/michobenjaminBuy my book: https://www.amazon.com/Power-Yet-Michael-Benjamin-ebook/dp/B07T2T55K8/ref=sr_1_1?crid=2HGW4JEXO2T7D&dib=eyJ2IjoiMSJ9.qqv14sZ4c0oymE34ZlnxhZn1JE9CHddjNPYX8qsEMjO0-B3OmcsX65qRuNJAZCI-MOvySfRVA95xoAs7h0xbNa-74_eAZPTJx7PwMtAXTVX4waJM1SB3-tJyQ_nSfRTln3Pnrnrb2kYHoagZqC5YfPAkC3ikyX24ZkNGCjTH6NmqlGXlNhROVJjmm1xiQjAjuWeScmwmA9jba-4lB34ukqpJ9W88Ahcyu-VaVnLzXHj81ZaXea0ygbRBytaL-9gqYdEEesA0rpyRftZnD-HsiuG3-dey2nHFcvUkn4wwRas.0bodokMw9Vp0et1JP3ndcmIhLEtFB8kMae5gBiJ5-F4&dib_tag=se&keywords=the+power+of+yet&qid=1758751044&sprefix=the+power+of+yet%2Caps%2C205&sr=8-1
In this episode, football is in full swing, and so is something very troubling. People are losing enormous amounts of money on electronic gambling. Clark discusses how the nature of modern gambling can increase the risk of gambling addiction, and steps to take if this is a concern. Also - How accurate are credit reports by the 3 credit bureaus? What you don't know about your credit report can hurt you. A Clark assignment. Sports Gambling: Segment 1 Ask Clark: Segment 2 Credit Report Accuracy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Resource: Pause Before You Play Best Online Banks: Free Checking and High-Interest Savings Accounts How To Buy a Used Car How To Get a Free Credit Report Credit Karma Review: Free Credit Score and More at Your Fingertips How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Why Clark Howard Wants You to Set Up a 'Financial Chromebook' How To Bring an Old Laptop Back to Life for Free Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/ A lot of people believe that filing for bankruptcy is a death sentence for your credit score…But what if I told you it could actually be the fastest way to rebuild your credit, get lower interest rates, and even qualify for a mortgage down the road?Here's the secret the credit bureaus don't want you to know: the first 30 days after you file for bankruptcy can make or break your credit score. You could stay stuck in the 400s for years, or you could see your score bounce back so fast you'll hardly recognize it.It might sound a little wild, but if you follow the same strategies that top attorneys and credit experts swear by, it really works. And today, I'm sharing those strategies with you! These steps can turn your financial setback into the best decision you ever made.Remember, bankruptcy isn't the end of the road. It's actually a fresh start. Let's jump right in! Key Takeaways:00:00 Intro 00:30 Why You Shouldn't Wait 01:37 You Are Not Powerless 02:29 The Secured Card Sprint 03:30 Disputing Errors on Credit Reports 04:24 The Emergency Fund Credit Builder Combo 04:32 Your 30-Day Action Plan 04:55 My Final Point 12:47 Outro Additional Resources:Get a free trial to Credit Repair CloudGet my free credit repair training I Ranked the Top 6 Credit Boosters from WORST to BESTMake sure to subscribe so you stay up to date with our latest episodes.
In the not too distant past, smaller medical debts that become collections were no longer allowed to be added/reported to your credit report. Unpaid medical debt remains the leading cause of consumer credit damage.Well, a Texas judge recently overturned that and well... the CFPB (Consumer Financial Protection Bureau) doesn't seem to be putting the gloves on to fight this fight.So what can you do if this is your struggle?The Fair Debt Collection Practices Act (FDCPA) prohibits harassment and requires validation of debts. The Fair Credit Reporting Act (FCRA) lets consumers dispute inaccurate or duplicate debts.If you're struggling with medical debt, check whether your state, county or city offers assistance programs.UndueMedicalDebt.orgExplore nonprofit aid organizations. Groups like the Healthwell Foundation or PAN Foundation may help with treatment costs or prescriptions.Questions@creditkristi.com
Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/ What if I told you that failure could be the key to building a million-dollar business? Our guest today, the latest member of our Millionaires club, Santiago Gill, proves it. He went from being a Marine veteran to struggling with e-commerce to finally cracking the code with Credit Repair Cloud. Now he runs a seven-figure credit repair business built on second chances for himself and for every single client he helps. He's here today to share how he bounced back from failure, how he used social media to explode his business, and how you can do the very same thing, even if you're starting from nothing. So if you've ever felt like you're behind, burned out, or ready to give up, you better stick around! Key Takeaways:00:00:00 Intro 00:02:08 Receiving the Millionaires Club Award00:04:57 Santiago's Background00:11:48 Getting Into Credit Repair00:15:06 How Santiago Got His First Clients 00:23:43 The Secret to Making Viral Videos and Building a Following 00:38:35 How Santiago Made a Ton of Money in One Day00:43:03 Santiago's Best Credit Repair Tips and Tricks 00:57:17 Building Credit, Early Mistakes and Stall Letters01:03:30 Lead Gen, Automation, and Client Communication 01:11:31 Business Lessons for Aspiring Entrepreneurs01:18:01 Rapid Fire Questions01:21:12 Outro Additional Resources:Santiago's Website: https://lawtinosolutions.com/Santiago on TikTok: https://www.tiktok.com/@theecommbulldogSantiago on Instagram: https://www.instagram.com/lawtinosolutionsSantiago on YouTube: https://www.youtube.com/@ecommbulldogSantiago on Facebook: https://www.facebook.com/santiago.gill.620021/Get a free trial to Credit Repair CloudGet my free credit repair training How 8 Credit Repair Entrepreneurs Got Their First Clients (Real Stories)Make sure to subscribe so you stay up to date with our latest episodes.
The face of lending has changed forever. In this episode, we unpack the new era of digital lending and its impact on the modern consumer. Our special guest, Sachin S from CRIF, explains how credit bureaus work, the rise of quick loans and EMIs, and the importance of monitoring your credit score. Learn how to build a healthy score from scratch, understand what lenders look for, and discover essential strategies to protect yourself from online fraud. Get your questions answered on personal loans, credit cards, and how to master your personal finance journey.✔ Digital Lending: The shift to a quick, tech-driven lending ecosystem, especially for Gen Z. ✔ Building Credit: How to responsibly start your credit score journey with small loans and credit cards. ✔ Role of Bureaus: Credit bureaus like CRIF get data from lenders to build your report. ✔ Fraud Vigilance: Protect your data and check your free RBI-mandated credit report for fraud. ✔ Your Credit Report: Understand what's on your report and how to dispute errors.From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more Watch full episodes right here on YouTube Explore more at ivmpodcasts.comConnect with Anupam Gupta: Twitter: @b50 Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM Podcasts We’re @ivmpodcasts on Facebook, Twitter & InstagramSee omnystudio.com/listener for privacy information.
In this episode, we welcome Colin Allen, executive director of the American Property Owners Alliance. Colin, a veteran of Washington, D.C. for 20 years, provides a deep, unfiltered analysis of the current political landscape and its direct influence on the real estate market. Breaking down the federal government's approach to the housing supply crisis, the partisan divides, and the surprising bipartisan collaboration on key bills. This is a must-listen for professionals who want to understand the forces shaping the market beyond headlines and interest rates. Connect with Colin on LinkedIn - X or send him a message callen@propertyownersalliance.org. Learn more about APOA on LinkedIn - Facebook - X or online propertyownersalliance.org. Subscribe to Real Estate Insiders Unfiltered on YouTube! https://www.youtube.com/@RealEstateInsidersUnfiltered?sub_confirmation=1 To learn more about becoming a sponsor of the show send us an email: jessica@inman.com You asked for it. We delivered. Check out our new merch! https://merch.realestateinsidersunfiltered.com/ Follow Real Estate Insiders Unfiltered Podcast on Instagram - YouTube - Facebook - TikTok. Visit us online at realestateinsidersunfiltered.com. Link to Facebook Page: https://www.facebook.com/RealEstateInsidersUnfiltered Link to Instagram Page: https://www.instagram.com/realestateinsiderspod/ Link to YouTube Page: https://www.youtube.com/@RealEstateInsidersUnfiltered Link to TikTok Page: https://www.tiktok.com/@realestateinsiderspod Link to website: https://realestateinsidersunfiltered.com This podcast is produced by Two Brothers Creative. https://twobrotherscreative.com/contact/
Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/ Paying a debt collector without knowing your rights can completely wreck your credit.So if you've been dealing with debt collectors contacting you non-stop, sending you intimidating letters, and making you feel trapped with no way out, take a breath: there is a solution.I've seen it happen too many times: someone thinks they're doing the right thing by sending money on an old debt, and just like that, they restart the statute of limitations, kill their credit score, and lose all their legal leverage. And the worst part? A lot of that debt might be totally invalid, inaccurate, or straight-up fake.In this episode, I discuss exactly what you should do when a debt collector calls. You'll learn how to protect yourself using the Fair Debt Collection Practices Act, how to demand real proof before you ever consider paying, and how to spot the violations that could not only erase the debt but possibly put money in your pocket.If you or your clients are getting those stressful calls and scary letters, take a deep breath. You've got more power than you think, and this episode will show you how to use it.Tune in now for more! Key Takeaways:00:00 Intro 01:56 Before we start05:48 Validate the debt06:14 Check the statute of limitations06:41 Look for violations08:22 Partner with an attorney09:16 Negotiate smart12:26 Outro Additional Resources:How to Write a Pay for Delete LetterHow to Write a Debt Validation LetterHow to Write a Letter to a Collection AgencyGet a free trial to Credit Repair CloudGet my free credit repair training Vance Dotson Reveals How to Make Debt Collectors Pay YOU!Make sure to subscribe so you stay up to date with our latest episodes.
Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/ Think you need a big team and a fat ad budget to build a million-dollar business?Our guest this week, Devirick Watson, would strongly disagree.In this episode, we sit down with Devirick, the founder of Credible Concepts, who's built a credit repair business that's earned over a million dollars in revenue without spending a single dollar on ads.Instead, he focused on people—specifically on helping them, educating them, and building a business that runs on referrals, real results, and relationships.Devirick gets real in this one. He talks about getting laid off from a Fortune 500 job, how he went from cleaning offices to fixing credit, and how he got his first paying clients by doing work for free (yes, on purpose). And now? His business is lean, automated, and totally compliant.We talk about how he uses DIY tools to filter leads, why he only works with the right clients, and the exact strategy that's helped him scale without burning out. If you're trying to grow your business the smart way, you're going to love this one.Tune in now! Key Takeaways:00:00 Intro 02:09 Making a million dollars with credit repair 06:14 Credit repair business: The early days09:47 You don't need a big team to succeed15:03 Dealing with difficult clients? Do this!18:04 Early days marketing24:27 Credit Repair's cloud tools for easier work32:40 Rapid fire questions Additional Resources:Credible Concepts: https://www.credibleconcepts.com/Devirick's Instagram: https://www.instagram.com/dwatt901/Credible Concepts on Facebook: https://www.facebook.com/profile.php?id=100041322834426Get a free trial to Credit Repair CloudGet my free credit repair training 10 Tips to Build a Successful Credit Repair BusinessMake sure to subscribe so you stay up to date with our latest episodes.
Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/ What if I told you that the biggest reason your clients aren't getting approved for mortgages isn't their debt or income, but an outdated credit scoring system?For decades, if your clients wanted a mortgage backed by Fannie Mae or Freddie Mac, they had to pass the classic FICO test. No exceptions. It didn't matter if they'd paid their rent on time for 10 years or if their utility bills were flawless. If it wasn't in the FICO model, it didn't count.But now, for the first time ever, lenders can choose between two models: FICO or VantageScore 4.0. This game-changing shift is finally breaking FICO's decades-long monopoly and giving your clients a chance to score a home, maybe for the first time in their lives.In today's episode, I'm breaking down the advantages of VantageScore 4.0 and showing you how you can capitalize on this change to scale your credit repair business.Tune in! Key Takeaways:00:00 Intro 00:57 The FICO Test vs. VantageScore 4.002:07 Business Opportunity for Credit Heroes03:13 Historical Context and Significance of FICO04:55 Challenges in Adopting VantageScore 4.006:10 My Final Thoughts 06:52 Outro Additional Resources:Get a free trial to Credit Repair CloudGet my free credit repair training 5 Possible Reasons and How to Fix ThemMake sure to subscribe so you stay up to date with our latest episodes.
In the latest episode of the pod Andy and Amelia are talking about the latest stories that are important to you and your money. Including: Monthly savings update with two new regular savers & the best rates How to get each of your three different credit reports for free Last weeks base rate cut and what it could mean for you For links and further reading head to becleverwithyourcash.com/cashchats 00:00 Intro 01:09 Base rate cut to 4% 07:45 August savings update 30:32 Check your credit reports for free ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all face. Show notes can be found at becleverwithyourcash.com/podcast. BE CLEVER WITH YOUR CASH ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash youtube.com/@becleverwithyourcash GET OUR WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence
The Friday Five for July 18, 2025: Update on Regulation Banning Medical Debt from Credit Reporting Google Announces NotebookLM Featured Notebooks This week in Apple Rumors Threads Usage Up, Meta Testing Facebook Login 2026 Midwest D-SNP Market Opportunity Get Connected:
Your Insert Credit panel faces parrying mechanics, Elden Ring Nightreign's AMV theme and sexy bird men, and Hotel Rwanda but with Mario. Plus, a sneak peek at an unreleased Famicom game! Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, and Brandon Sheffield. Edited by Esper Quinn, original music by Kurt Feldman. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: Video Game History Foundation Bubsy series Bubsy 2 Team 02.jpg Nani Ga Suki Full Sail University 1: What makes a game edgy? (03:49) Nu metal Elden Ring Nightreign Bring Me To Life trailer Dragon Ball: Sparking Zero Toonami-style promo The Rehearsal Captain Sully Limp Bizkit Red Hot Chili Peppers System of a Down Korn Powerman 5000 Lit Sonic Adventure series Shadow the Hedgehog Neil Druckmann The Last of Us: Part II Nier series Metal Gear Solid V: The Phantom Pain 2: How do you feel about critical hit systems in games? (10:21) Ghostwire: Tokyo Clair Obscur: Expedition 33 Metaphor Re:Fantazio Why BDS Is Calling for an Xbox Boycott Persona series King of Fighters series 3: Ash Parrish asks, pro- or anti-parrying? (17:14) Parrying Is The Best Thing In Video Games Parrying Is The Worst Thing In Video Games David Perry Earthworm Jim Disney's Aladdin MDK Street Fighter III: 3rd Strike Doom series Bayonetta series Baseball Perry White J. Jonah Jameson Cricket Volleyball Tennis Phil Salvador Game Boy Camera Perry Guardian 4: What would JRPGs look like from other European countries? (23:37 ) Farming Simulator European Truck Simulator Rocket League Sifu Greggs Final Fantasy XV Datsun The Witcher series Dragoon Street Fighter II Mafia series 5: Magnanimus asks, what's the best game on the Wikipedia page “List of games notable for negative reception?” (30:41) List of video games notable for negative reception Cyberpunk 2077 Custer's Revenge Night Trap Dr. Jekyll and Mr. Hyde Fallout 76 Final Fantasy XIV Batman: Dark Tomorrow Double Dragon series Sonic series Balan Wonderworld Babylon's Fall Robert Louis Stevenson Hotel Mario Hotel Rwanda (2004) Mario is Missing 6: Which video game character do you think the most actual human people have been named after? (36:49) Cloud Strife Aerith Gainsborough Bella Swan John Marston Princess Zelda Zelda Fitzgerald F. Scott Fitzgerald Sephiroth Jenova Chen 7: Create a definitive ranking of the five best Pac-Man games (40:59) Pac-Man 2: the New Adventures Ms. Pac-Man Pac-Man: Championship Edition Super Smash Brothers series Pac-Land Pac 'n Roll Pac-Man World Shadow Labyrinth Secret Level Frogger series Pac-Attack Pac-in-Time Pac-Man VR Ms. Pac-Man Maze Madness Pac-Pix 8: If your dog or cat suddenly became a human being, what video games do you think they'd be into? (45:43) EA FIFA / EA Sports FC series Call of Duty series Frosty the Snowman Duck Hunt Point Blank Police Trainer series Small Saga Shadow of the Colossus Pokemon Let's Go Eevee Stray LIGHTNING ROUND: Name Design - JAV Titles (51:47) Credit Report (01:03:40) Recommendations and Outro (01:07:00): Frank: We're Dumping 125 Mystery Prototype ROMs! Exclusive debut of tiles from an unreleased Famicom game, “Nurse Hitler” batch Exclusive debut of tiles from an unreleased Famicom game, “Duneish” batch Picture of Corn Dog Picture of Taffy Brandon: Wind Breaker, thanks for being a left-wing person, not the movie Blackenstein (1973) Ash: The Apothecary Diaries, touch grass, Dropout.tv Picture of Bu Picture of Gus This week's Insert Credit Show is brought to you by patrons like you. Thank you. This week's horrible buzzer was sent in by Matt McNeely. Thanks! To submit your own horrible buzzer, send an original recording no longer than two seconds in mp3 or wav format to show@insertcredit.com, and maybe we'll use it on the show! Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
Your Insert Credit panel faces parrying mechanics, Elden Ring Nightreign's AMV theme and sexy bird men, and Hotel Rwanda but with Mario. Plus, a sneak peek at an unreleased Famicom game! Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, and Brandon Sheffield. Edited by Esper Quinn, original music by Kurt Feldman. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: Video Game History Foundation Bubsy series Bubsy 2 Team 02.jpg Nani Ga Suki Full Sail University 1: What makes a game edgy? (03:49) Nu metal Elden Ring Nightreign Bring Me To Life trailer Dragon Ball: Sparking Zero Toonami-style promo The Rehearsal Captain Sully Limp Bizkit Red Hot Chili Peppers System of a Down Korn Powerman 5000 Lit Sonic Adventure series Shadow the Hedgehog Neil Druckmann The Last of Us: Part II Nier series Metal Gear Solid V: The Phantom Pain 2: How do you feel about critical hit systems in games? (10:21) Ghostwire: Tokyo Clair Obscur: Expedition 33 Metaphor Re:Fantazio Why BDS Is Calling for an Xbox Boycott Persona series King of Fighters series 3: Ash Parrish asks, pro- or anti-parrying? (17:14) Parrying Is The Best Thing In Video Games Parrying Is The Worst Thing In Video Games David Perry Earthworm Jim Disney's Aladdin MDK Street Fighter III: 3rd Strike Doom series Bayonetta series Baseball Perry White J. Jonah Jameson Cricket Volleyball Tennis Phil Salvador Game Boy Camera Perry Guardian 4: What would JRPGs look like from other European countries? (23:37 ) Farming Simulator European Truck Simulator Rocket League Sifu Greggs Final Fantasy XV Datsun The Witcher series Dragoon Street Fighter II Mafia series 5: Magnanimus asks, what's the best game on the Wikipedia page “List of games notable for negative reception?” (30:41) List of video games notable for negative reception Cyberpunk 2077 Custer's Revenge Night Trap Dr. Jekyll and Mr. Hyde Fallout 76 Final Fantasy XIV Batman: Dark Tomorrow Double Dragon series Sonic series Balan Wonderworld Babylon's Fall Robert Louis Stevenson Hotel Mario Hotel Rwanda (2004) Mario is Missing 6: Which video game character do you think the most actual human people have been named after? (36:49) Cloud Strife Aerith Gainsborough Bella Swan John Marston Princess Zelda Zelda Fitzgerald F. Scott Fitzgerald Sephiroth Jenova Chen 7: Create a definitive ranking of the five best Pac-Man games (40:59) Pac-Man 2: the New Adventures Ms. Pac-Man Pac-Man: Championship Edition Super Smash Brothers series Pac-Land Pac 'n Roll Pac-Man World Shadow Labyrinth Secret Level Frogger series Pac-Attack Pac-in-Time Pac-Man VR Ms. Pac-Man Maze Madness Pac-Pix 8: If your dog or cat suddenly became a human being, what video games do you think they'd be into? (45:43) EA FIFA / EA Sports FC series Call of Duty series Frosty the Snowman Duck Hunt Point Blank Police Trainer series Small Saga Shadow of the Colossus Pokemon Let's Go Eevee Stray LIGHTNING ROUND: Name Design - JAV Titles (51:47) Credit Report (01:03:40) Recommendations and Outro (01:07:00): Frank: We're Dumping 125 Mystery Prototype ROMs! Exclusive debut of tiles from an unreleased Famicom game, “Nurse Hitler” batch Exclusive debut of tiles from an unreleased Famicom game, “Duneish” batch Picture of Corn Dog Picture of Taffy Brandon: Wind Breaker, thanks for being a left-wing person, not the movie Blackenstein (1973) Ash: The Apothecary Diaries, touch grass, Dropout.tv Picture of Bu Picture of Gus This week's Insert Credit Show is brought to you by patrons like you. Thank you. This week's horrible buzzer was sent in by Matt McNeely. Thanks! To submit your own horrible buzzer, send an original recording no longer than two seconds in mp3 or wav format to show@insertcredit.com, and maybe we'll use it on the show! Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
The finest minds in video games reconvene to cover Chicago game industry history, schadefreude, and the Red Hot Chili Peppers. Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, and Brandon Sheffield. Edited by Esper Quinn, original music by Kurt Feldman. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: Metaphor: ReFantazio An Update to the Insert Credit Prize Wall (03:32) Pee-wee's Playhouse Red Hot Chili Peppers Hot Red Chili Peppers 1: Frank, what's up with Duelin' Firemen? (05:57) Duelin' Firemen 3DO Steve Albini Tony Hawk Rudy Ray Moore CD-ROM Urban Yeti! Eugene Jarvis Raw Thrills Roger Sharpe Pinball: The Man Who Saved the Game (2022) Midway Incredible Technologies Golden Tee series Time Killers Jeff Lee Q*bert Mad Planets California Extreme 2: DIDDY WATCH: Frank, Nintendo has produced evidence that Diddy Kong is still alive and will be in Bananza. When have you been wrong about a video game before? (13:46) After Redesigning Donkey Kong, Nintendo Has Tweaked Another Classic Character Bigger Luke Indiana Jones and the Great Circle Indiana Jones and the Great Circle would've been better as a movie The 7th Guest Battle Arena Toshinden Street Fighter III: 3rd Strike Adrian Monk 3: What's the greatest love story in a video game that isn't a dating sim or RPG? (19:19) Mario Pauline The Last of Us God of War series Red Dead Redemption series Doom: the Dark Ages Doomguy Doom: The Dark Ages is for lovers and slayers Doom 4 Isabelle 4: When have you gotten the most personal joy from a video game company's misfortune? (25:05) Acclaim Entertainment Edge Six Feet Under Web3 Cybertruck Starlink Tesla Starts Accepting Cybertruck Trade-Ins – According to Tesla, a Cybertruck Loses $35,000 Over 6,000 Miles ($5.6 Per Mile) Target Bonk Sega Saturn NiGHTS into Dreams… TurboGrafx WonderSwan Dragon Age: Inquisition Anders 5: Isla asks, what is a game mechanic or system you really like that is in a game you don't like? (32:01) Bayonetta 3 Metal Gear Solid series David Cage Detroit: Become Human Heavy Rain Bioshock series Zero4 Champ Final Fantasy XV Cindy Aurum Tails' Skypatrol Sonic the Hedgehog 2 6: Liz Ryerson asks, what are some of your favorite video game sound effects? (38:18) Sonic the Hedgehog series Hideo Kojima Metal Gear Solid series King of Fighters series Neo Geo Astro Bot Astro Bot sounds as great as it plays Senua's Saga: Hellblade II Indika Ghostwire: Tokyo 7: What is the hack stand-up comedian making jokes about airline food of video games? (44:01) Peter Molyneux Madden series NBA 2K series EA FIFA / EA Sports FC series WWE 2K series Dark Souls series Eat Lead: The Return of Matt Hazard Rick & Morty High on Life Forspoken Splatterhouse Portal series Left 4 Dead Cake LIGHTNING ROUND: Who's the Boss? (50:37) Credit Report (01:01:13) Recommendations and Outro (01:02:16): Brandon: Ghostwire: Tokyo Frank: Stay tuned for a possible “Let's Figure Out What's On These Taito EPROMs” stream from the VGHF, possibly on the 28th Jaffe: Mailbag Mountain - Live Unboxing 1000 Pounds of Video Game Magazines Ash: Last Defense Academy: the Hundred Line This week's Insert Credit Show is brought to you by patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
The finest minds in video games reconvene to cover Chicago game industry history, schadefreude, and the Red Hot Chili Peppers. Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, and Brandon Sheffield. Edited by Esper Quinn, original music by Kurt Feldman. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: Metaphor: ReFantazio An Update to the Insert Credit Prize Wall (03:32) Pee-wee's Playhouse Red Hot Chili Peppers Hot Red Chili Peppers 1: Frank, what's up with Duelin' Firemen? (05:57) Duelin' Firemen 3DO Steve Albini Tony Hawk Rudy Ray Moore CD-ROM Urban Yeti! Eugene Jarvis Raw Thrills Roger Sharpe Pinball: The Man Who Saved the Game (2022) Midway Incredible Technologies Golden Tee series Time Killers Jeff Lee Q*bert Mad Planets California Extreme 2: DIDDY WATCH: Frank, Nintendo has produced evidence that Diddy Kong is still alive and will be in Bananza. When have you been wrong about a video game before? (13:46) After Redesigning Donkey Kong, Nintendo Has Tweaked Another Classic Character Bigger Luke Indiana Jones and the Great Circle Indiana Jones and the Great Circle would've been better as a movie The 7th Guest Battle Arena Toshinden Street Fighter III: 3rd Strike Adrian Monk 3: What's the greatest love story in a video game that isn't a dating sim or RPG? (19:19) Mario Pauline The Last of Us God of War series Red Dead Redemption series Doom: the Dark Ages Doomguy Doom: The Dark Ages is for lovers and slayers Doom 4 Isabelle 4: When have you gotten the most personal joy from a video game company's misfortune? (25:05) Acclaim Entertainment Edge Six Feet Under Web3 Cybertruck Starlink Tesla Starts Accepting Cybertruck Trade-Ins – According to Tesla, a Cybertruck Loses $35,000 Over 6,000 Miles ($5.6 Per Mile) Target Bonk Sega Saturn NiGHTS into Dreams… TurboGrafx WonderSwan Dragon Age: Inquisition Anders 5: Isla asks, what is a game mechanic or system you really like that is in a game you don't like? (32:01) Bayonetta 3 Metal Gear Solid series David Cage Detroit: Become Human Heavy Rain Bioshock series Zero4 Champ Final Fantasy XV Cindy Aurum Tails' Skypatrol Sonic the Hedgehog 2 6: Liz Ryerson asks, what are some of your favorite video game sound effects? (38:18) Sonic the Hedgehog series Hideo Kojima Metal Gear Solid series King of Fighters series Neo Geo Astro Bot Astro Bot sounds as great as it plays Senua's Saga: Hellblade II Indika Ghostwire: Tokyo 7: What is the hack stand-up comedian making jokes about airline food of video games? (44:01) Peter Molyneux Madden series NBA 2K series EA FIFA / EA Sports FC series WWE 2K series Dark Souls series Eat Lead: The Return of Matt Hazard Rick & Morty High on Life Forspoken Splatterhouse Portal series Left 4 Dead Cake LIGHTNING ROUND: Who's the Boss? (50:37) Credit Report (01:01:13) Recommendations and Outro (01:02:16): Brandon: Ghostwire: Tokyo Frank: Stay tuned for a possible “Let's Figure Out What's On These Taito EPROMs” stream from the VGHF, possibly on the 28th Jaffe: Mailbag Mountain - Live Unboxing 1000 Pounds of Video Game Magazines Ash: Last Defense Academy: the Hundred Line This week's Insert Credit Show is brought to you by patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
Send us a textCurious about commercial real estate but unsure where to start? In this enlightening conversation, commercial lending expert Kamyar demystifies the process of acquiring commercial properties and reveals why they often represent superior investments to residential real estate.The financial advantages of commercial property ownership become immediately clear as Kamyar explains the hands-off nature of management - "You're literally just getting rent every month" while tenants handle most maintenance responsibilities. This stark contrast to the constant demands of residential properties makes commercial real estate particularly attractive for investors seeking passive income streams.Before taking the commercial plunge, prospective investors should perform crucial preparation steps. Reviewing credit reports, analyzing tax returns, and understanding different qualifying ratios for owner-occupied versus investment properties form the foundation of successful commercial investing. The conversation explores various financing options, from 25-year fixed SBA loans to conventional structures amortized over decades.Tax strategies emerge as a compelling reason to consider commercial investments. Cost segregation allows accelerated depreciation, while opportunity zones offer potential elimination of capital gains taxes after ten years of ownership. "I have clients that buy one or two buildings a year just to take advantage of cost segregation," Kamyar reveals, demonstrating how savvy investors leverage these advantages to rapidly expand their portfolios.The discussion extends beyond immediate benefits to long-term legacy planning. Establishing trusts that ensure properties remain family assets across generations creates true multigenerational wealth rather than temporary prosperity. First-time investors receive practical guidance: focus locally, determine your investment goals, and leverage free resources like LoopNet to identify properties.Ready to transform your financial future through commercial real estate? Connect with experts who can guide your journey and subscribe to continue exploring wealth-building strategies that stand the test of time. Thanks again for listening. Don't forget to subscribe, share, and leave a FIVE-STAR review.Head to Dwanderful right now to claim your free real estate investing kit. And follow:http://www.Dwanderful.comhttp://www.facebook.com/Dwanderfulhttp://www.Instagram.com/Dwanderful http://www.youtube.com/DwanderfulRealEstateInvestingChannelMake it a Dwanderful Day!
Youtuber, statistician, and cartographer Any Austin joins the panel to determine whether open world games should have minimaps, how to become a Sega Man, and the relationship between the Chicago Cubs and the Chicago Bears. Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, Brandon Sheffield, and Any Austin. Edited by Esper Quinn, original music by Kurt Feldman. SHOW NOTES: Atari Jaguar Kasumi Ninja Cosmic Carnage Sega 32X Kanye West Pope Leo XIV The Game of Life Def Jam: Rapstar David Cage Indigo Prophecy Star Wars Satoru Iwata Trainspotting (1996) r/Trains Ikaruga 1: Brian David Gilbert asks, which video game do you wish you could scrub from the memories of everyone in the world except for you? (08:08) Yesterday (2019) Grand Theft Auto series Hot Tub Time Machine (2010) Google The Beatles Seaman Dizzy series Fortnite Songs of Innocence Tim Sweeney Epic Games v. Apple The Walt Disney Company Boba Fett Firefall Mark Kern World of Warcraft 2: What's the platonic ideal in open world games for you? (14:25) The Witcher 3: Wild Hunt Clair Obscur: Expedition 33 Starfield Assassins Creed: Shadows Ryū ga Gotoku / Like a Dragon / Yakuza universe Shenmue series Shogi 3: What's something you've seen in a video game that you've appreciated the developers putting much more work into than was even a little bit necessary? (20:07) Final Fantasy XV Final Fantasy XIII Gargoyle's Quest Demon's Crest Super Ghouls 'N Ghosts Half-Life series Forspoken NiGHTS into Dreams… Chao Garden Sonic Adventure series Doom: the Dark Ages Metroid Prime Starfield Mass Effect series Pokemon series 4: If you were isekai'd into a generic fantasy setting, what would your job be? (27:15) Isekai Dragon Quest series That Time I Got Reincarnated as a Slime My Next Life as a Villainess: All Routes Lead to Doom! Frieren 5: Psinux asks, how does a Sega kid become a Sega man? (33:23) Sega Sonic & Knuckles Sonic the Hedgehog: Triple Trouble The Conduit High Voltage Software Eric Nofsinger Mortal Kombat Game Boy Game Gear Genesis Nomad Sega Pico Sega Saturn 6: What's the best mountain in a video game? (37:37) No Man's Sky King of All Cosmos Throat of the World Skyrim Mount Gulg Dragonroost Island Mount Fuji Mount Everest Microsoft Flight Simulator series D2 Blue Prince Death Mountain The Legend of Zelda: Ocarina of Time Mt. Nibel Final Fantasy VII Mount Kilimanjaro Space Mountain Denali Mount Tamalpais Celeste Mount Celeste Mount Rushmore Fatal Fury series Sam & Max: Hit the Road Giant Bomb Wiki Mount Rushmore Games 7: What is the BBC's Planet Earth of video games? (43:30) Planet Earth The Making of Karateka Karateka Jordan Mechner Balatro Endless Ocean Journey Flower Everything Endless Ocean: Blue World Wisdom Tree Super Mario Bros. 2 Noah's Ark ActRaiser Yuzo Koshiro Prince of Egypt (1998) The Emperor's New Groove (2000) Moses: Prince of Egypt Zelda CD-i Games LIGHTNING ROUND: The Price is Sprite (49:20) Credit Report (01:01:20) Recommendations and Outro (01:02:10): Brandon: If you're looking to make friends, try joining a forum (forums.insertcredit.com or otherwise) Frank: Spiritual Warfare Ash: The Righteous Gemstones Austin: Shout out to air traffic controllers, Turks and Caicos Islands, forums, Any Austin on youtube This week's Insert Credit Show is brought to you by patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
Youtuber, statistician, and cartographer Any Austin joins the panel to determine whether open world games should have minimaps, how to become a Sega Man, and the relationship between the Chicago Cubs and the Chicago Bears. Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, Brandon Sheffield, and Any Austin. Edited by Esper Quinn, original music by Kurt Feldman. SHOW NOTES: Atari Jaguar Kasumi Ninja Cosmic Carnage Sega 32X Kanye West Pope Leo XIV The Game of Life Def Jam: Rapstar David Cage Indigo Prophecy Star Wars Satoru Iwata Trainspotting (1996) r/Trains Ikaruga 1: Brian David Gilbert asks, which video game do you wish you could scrub from the memories of everyone in the world except for you? (08:08) Yesterday (2019) Grand Theft Auto series Hot Tub Time Machine (2010) Google The Beatles Seaman Dizzy series Fortnite Songs of Innocence Tim Sweeney Epic Games v. Apple The Walt Disney Company Boba Fett Firefall Mark Kern World of Warcraft 2: What's the platonic ideal in open world games for you? (14:25) The Witcher 3: Wild Hunt Clair Obscur: Expedition 33 Starfield Assassins Creed: Shadows Ryū ga Gotoku / Like a Dragon / Yakuza universe Shenmue series Shogi 3: What's something you've seen in a video game that you've appreciated the developers putting much more work into than was even a little bit necessary? (20:07) Final Fantasy XV Final Fantasy XIII Gargoyle's Quest Demon's Crest Super Ghouls 'N Ghosts Half-Life series Forspoken NiGHTS into Dreams… Chao Garden Sonic Adventure series Doom: the Dark Ages Metroid Prime Starfield Mass Effect series Pokemon series 4: If you were isekai'd into a generic fantasy setting, what would your job be? (27:15) Isekai Dragon Quest series That Time I Got Reincarnated as a Slime My Next Life as a Villainess: All Routes Lead to Doom! Frieren 5: Psinux asks, how does a Sega kid become a Sega man? (33:23) Sega Sonic & Knuckles Sonic the Hedgehog: Triple Trouble The Conduit High Voltage Software Eric Nofsinger Mortal Kombat Game Boy Game Gear Genesis Nomad Sega Pico Sega Saturn 6: What's the best mountain in a video game? (37:37) No Man's Sky King of All Cosmos Throat of the World Skyrim Mount Gulg Dragonroost Island Mount Fuji Mount Everest Microsoft Flight Simulator series D2 Blue Prince Death Mountain The Legend of Zelda: Ocarina of Time Mt. Nibel Final Fantasy VII Mount Kilimanjaro Space Mountain Denali Mount Tamalpais Celeste Mount Celeste Mount Rushmore Fatal Fury series Sam & Max: Hit the Road Giant Bomb Wiki Mount Rushmore Games 7: What is the BBC's Planet Earth of video games? (43:30) Planet Earth The Making of Karateka Karateka Jordan Mechner Balatro Endless Ocean Journey Flower Everything Endless Ocean: Blue World Wisdom Tree Super Mario Bros. 2 Noah's Ark ActRaiser Yuzo Koshiro Prince of Egypt (1998) The Emperor's New Groove (2000) Moses: Prince of Egypt Zelda CD-i Games LIGHTNING ROUND: The Price is Sprite (49:20) Credit Report (01:01:20) Recommendations and Outro (01:02:10): Brandon: If you're looking to make friends, try joining a forum (forums.insertcredit.com or otherwise) Frank: Spiritual Warfare Ash: The Righteous Gemstones Austin: Shout out to air traffic controllers, Turks and Caicos Islands, forums, Any Austin on youtube This week's Insert Credit Show is brought to you by patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
Brian David Gilbert of Dropout.tv, Unraveled, and his own excellent youtube channel joins our panel to cover Switch 2 preorders, Donkey Kong dating your friends, and the legendary Nier butthole. Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, Brandon Sheffield, and Brian David Gilbert. Edited by Esper Quinn, original music by Kurt Feldman. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: Mystery Men (1999) Flaming Carrot Comics The Legend of Zelda series Video game Sega PlayStation Metal Gear Solid 2: Sons of Liberty Nintendo Nintendo 64 1: We're recording this the day that preorders have gone live for the Switch 2. What's the worst case you've ever seen of Preorder Madness? (08:05) I got my Switch 2 preorder the old-fashioned way: lining up at GameStop Crysis Pepe the Frog Alan Wake II GameStop 2: What's the right amount of bullshit to put in a video game? (15:13) Demonschool Ryū ga Gotoku / Like a Dragon / Yakuza universe Everything Xenoblade Chronicles series Batman Metal Gear Solid 3: Snake Eater 3: How would video games be different today if when you died in the game, you died in real life? (20:45) Elon Musk Gamergate (harassment campaign) The Most Dangerous Game Alex Honnald Elden Ring Dark Souls series Getting Over It with Bennett Foddy Bebe's Kids (1992) 4: How would you describe the character of Donkey Kong? (23:51) Donkey Kong Pauline Mario Romeo and Juliet Diddy Kong Sean Combs Funky Kong Donkey Kong: Tropical Freeze Super Smash Bros. Ultimate Rare Ken Penders Ms. Pac-Man Mario Kart 8 Deluxe Super Mario Odyssey Jake Lloyd Mario Party series Insert Credit Quick Break: DC Action News (32:47) 5: Magnanimous asks, is there any old video game slang you'd bring back? (33:36) Atari Space Invaders Doom Roblox Immersive sim JRPG Yacht rock 6: Which video game vehicle would receive the best JD Power & Associates car rating? (39:00) JD Power & Associates Final Fantasy XV The Regalia Mario Kart series Lakitu Ridge Racer series Spice Girls The Big Bang Theory Halo series Fortnite 7: What is the Tom Hooper's Cats of video games? (43:54) Cats (2019) Editing the Buttholes Out of ‘Cats' Was a Total Nightmare for VFX Crew Gemini Man (2019) Jumanji: The Next Level (2019) Idris Elba Peter Molyneux Borderlands (2024) Uwe Boll Bloodrayne (2005) House of the Dead (2003) Donut County NieR series Stellar Blade LIGHTNING ROUND: Arcade of Our Own (51:20) Credit Report (01:06:59) Recommendations and Outro (01:07:21): Frank: Watch Tempo on YouTube for a second and decide what you think about it Brandon: Minako Yoshida's Dark Crystal, Catching the Big Fish by David Lynch Ash: Go outside and take a walk Brian: VVVVVV, brian david gilbert on YouTube, Um, Actually This week's Insert Credit Show is brought to you by DC Action News and patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
Brian David Gilbert of Dropout.tv, Unraveled, and his own excellent youtube channel joins our panel to cover Switch 2 preorders, Donkey Kong dating your friends, and the legendary Nier butthole. Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, Brandon Sheffield, and Brian David Gilbert. Edited by Esper Quinn, original music by Kurt Feldman. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: Mystery Men (1999) Flaming Carrot Comics The Legend of Zelda series Video game Sega PlayStation Metal Gear Solid 2: Sons of Liberty Nintendo Nintendo 64 1: We're recording this the day that preorders have gone live for the Switch 2. What's the worst case you've ever seen of Preorder Madness? (08:05) I got my Switch 2 preorder the old-fashioned way: lining up at GameStop Crysis Pepe the Frog Alan Wake II GameStop 2: What's the right amount of bullshit to put in a video game? (15:13) Demonschool Ryū ga Gotoku / Like a Dragon / Yakuza universe Everything Xenoblade Chronicles series Batman Metal Gear Solid 3: Snake Eater 3: How would video games be different today if when you died in the game, you died in real life? (20:45) Elon Musk Gamergate (harassment campaign) The Most Dangerous Game Alex Honnald Elden Ring Dark Souls series Getting Over It with Bennett Foddy Bebe's Kids (1992) 4: How would you describe the character of Donkey Kong? (23:51) Donkey Kong Pauline Mario Romeo and Juliet Diddy Kong Sean Combs Funky Kong Donkey Kong: Tropical Freeze Super Smash Bros. Ultimate Rare Ken Penders Ms. Pac-Man Mario Kart 8 Deluxe Super Mario Odyssey Jake Lloyd Mario Party series Insert Credit Quick Break: DC Action News (32:47) 5: Magnanimous asks, is there any old video game slang you'd bring back? (33:36) Atari Space Invaders Doom Roblox Immersive sim JRPG Yacht rock 6: Which video game vehicle would receive the best JD Power & Associates car rating? (39:00) JD Power & Associates Final Fantasy XV The Regalia Mario Kart series Lakitu Ridge Racer series Spice Girls The Big Bang Theory Halo series Fortnite 7: What is the Tom Hooper's Cats of video games? (43:54) Cats (2019) Editing the Buttholes Out of ‘Cats' Was a Total Nightmare for VFX Crew Gemini Man (2019) Jumanji: The Next Level (2019) Idris Elba Peter Molyneux Borderlands (2024) Uwe Boll Bloodrayne (2005) House of the Dead (2003) Donut County NieR series Stellar Blade LIGHTNING ROUND: Arcade of Our Own (51:20) Credit Report (01:06:59) Recommendations and Outro (01:07:21): Frank: Watch Tempo on YouTube for a second and decide what you think about it Brandon: Minako Yoshida's Dark Crystal, Catching the Big Fish by David Lynch Ash: Go outside and take a walk Brian: VVVVVV, brian david gilbert on YouTube, Um, Actually This week's Insert Credit Show is brought to you by DC Action News and patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
Send us a textCelebrating a milestone of one million podcast downloads, this episode dives deep into the world of financial literacy and business funding with Herman Dolce, founder of Bella Sloan Enterprises and creator of the Execute Podcast.As a first-generation Haitian-American entrepreneur, Herman brings a refreshing perspective to financial education, breaking down complex concepts into understandable components. His comparison of credit reports to "adult report cards" perfectly captures his teaching philosophy - making financial literacy accessible to everyone regardless of background.What makes this conversation particularly valuable is Herman's insider knowledge of business funding strategies that allow entrepreneurs and real estate investors to access capital without impacting their personal credit. He reveals how his clients secure up to $50,000 in 0% interest business credit through strategic banking relationships, providing the leverage needed to launch businesses or fund real estate projects without personal financial risk.The discussion turns especially practical when Herman explains how his company has evolved to serve over 3,000 monthly members through Bella Sloan Academy, offering weekly education, accountability systems, and practical resources for just $50 monthly. His approach combines education with implementation - teaching students not just theory but practical application through careful accountability.Most exciting is Herman's collaboration with construction expert Charles Noonan to help 1,000 people acquire property through land banks, secure funding, complete construction, and implement profitable exit strategies. This comprehensive approach addresses the full spectrum of real estate development, providing a roadmap for beginners to enter the market with guided support.Ready to transform your approach to credit, funding, and financial literacy? Join Herman's community at BellasLoanAcademy.com or connect with him on Instagram @Haitian_CEO. And remember his powerful parting wisdom: execution trumps knowledge every time. Start putting what you learn into action today! Thanks again for listening. Don't forget to subscribe, share, and leave a FIVE-STAR review.Head to Dwanderful right now to claim your free real estate investing kit. And follow:http://www.Dwanderful.comhttp://www.facebook.com/Dwanderfulhttp://www.Instagram.com/Dwanderful http://www.youtube.com/DwanderfulRealEstateInvestingChannelMake it a Dwanderful Day!
Frank Cifaldi, Ash Parrish, and Brandon Sheffield answer Alex Jaffe's questions on A Minecraft Movie, canceling people in gaming, and most importantly, the SCUMPI II. Hosted by Alex Jaffe, with Frank Cifaldi, Ash Parrish, and Brandon Sheffield. Edited by Esper Quinn, original music by Kurt Feldman. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: Downfall (2004) 1: Mike Drucker asks, what's an exactly correctly rated game? (01:49) Deadly Premonition Metacritic Blue Prince Mother Brain The Legend of Zelda: Breath of the Wild Mario Kart World 2: Ash, what was it like covering a console launch? (06:45) Everything we know so far about the Nintendo Switch 2 Bomberman: Act:Zero Metroid Prime 4: Beyond Arms Wii Sports Ethan Gach Stephen Totilo 3: What do you think A Minecraft Movie is? (13:30) A Minecraft Movie (2025) Minecraft Tenacious D Jack Black Nobunaga's Ambition Bowser Claptrap Steve Borderlands (2024) The Super Mario Bros. Movie (2023) The Rocky Horror Picture Show (1975) Minions (2015) Paw Patrol Anastasia (1997) 4: Who would you go back in time and cancel? (19:19) The Apprentice Mark Burnett Joss Whedon Jack Tramiel Atari Jaguar Sega Genesis Mark Kern Palmer Luckey Insert Credit Quick Break: Undercover Shot, available as NES cartridge and digital download (24:17) 5: Blabbo asks, what game developer or studio would you free from their current IP? (25:45) Ghost Trick: Phantom Detective Shu Takumi Ace Attorney series Super Smash Brothers series Masahiro Sakurai Kirby Harvey Smith Deus Ex series Tōru Iwatani Pac-Man Otamatone Hirokazu Yasuhara Sonic the Hedgehog series Final Fantasy XII Yasumi Matsuno Crimson Shroud David Cage Star Wars Ken Levine 6: What's a question you've always had about video games but haven't been able to get a good answer for? (30:56) Jesus Christ Princess Peach Sailor Moon Wonder Woman Lynda Carter Oddjob Goldeneye 007 SCRUMPI II WonderSwan Gunpei Yokoi Game Boy Super Mario Bros. 3 Monty Python Super Mario Bros. 2 PC Engine Super Mario 3D World 7: What is the drinking eight glasses of water a day of video games? (37:15) Ring Fit Adventure Pokemon GO Pokéwalker Brain Age: Train Your Brain in Minutes a Day! Nintendo DS Beyoncé Dr. Mario Nintendo Entertainment System Kelly Rowland Rhythm Heaven Rhythm Heaven Groove Golden Sun commercial Picross series LIGHTNING ROUND: Game Name Chaining (42:05) Credit Report (44:33) Recommendations and Outro (44:50): Frank: PEPPERED: an existential platformer Ash: let's not do this Lightning Round again, The Blue Prince, Promise Mascot Agency, Monaco 2, Talos Principle Remake, Crashlands 2, Hollywood Animal, Pilo and the Holobook, Girls Made Pudding, Signal Creek, Willow Guard, Harpagun, Kaya's Prophecy, Time Gal & Ninja Hayate HD, SnowRunner, Dave the Diver DLC Brandon: let's do this Lightning Round again, check out the Galaxies Showcase, vote for Barbara Lee, do not vote for Lauren Taylor, Yuen Hop Co, Mobile Assistance Community Responders of Oakland Jaffe: DC Action News This week's Insert Credit Show is brought to you by Undercover Shot, available as NES cartridge and digital download and patrons like you. Thank you. Subscribe: RSS, YouTube, Apple Podcasts, Spotify, and more!
#221: The ultimate guide to credit reports and scores—how they're calculated, what affects them, and proven ways to improve them. Specially, I'll cover how opening lots of credit cards impacts your credit. You'll also learn how to check your credit reports and scores for free, dispute errors, understand lender scoring models, protect your financial health, and more. Link to Full Show Notes: https://chrishutchins.com/credit-reports-credit-scores Partner Deals Superhuman: Free month of the fastest and best email with code ALLTHEHACKS Upwork: Free job posting to find, hire, and pay top freelance talent Fabric: Affordable term life insurance for you and your family MasterClass: Learn from the world's best with 15% off Copilot: Free 2 months access to my favorite personal finance app with code HACKS2 DeleteMe: 20% off removing your personal info from the web For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Credit Bureaus Equifax Experian TransUnion Free Credit Report: AnnualCreditReport.com Credit Monitoring: Credit Karma | Experian Credit Reporting Agencies Innovis Chex Clarity Services National Consumer Telecom & Utilities Exchange Early Warning Consumer Report LexisNexis Free FICO Scores: myFICO | Experian X Post on Couple's Credit Card Journey International Credit Data: Nova Credit Business Credit Scores Equifax Business Experian Dun & Bradstreet LexisNexis Business Credit Data: Small Business Financial Exchange Article: Understanding Business Credit Scores ATH Podcast Ep #78: Action List: Everything You Can Do To Protect Your Identity, Accounts, Credit and Family Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (02:03) Quick Background of the Credit Report Industry (04:54) What's on Your Credit Report (06:45) Soft vs. Hard Inquiries (10:04) How to Request Your Credit Report for Free (10:59) Filing for Disputes (12:37) Freezing Your Credit, Fraud Alerts, and Credit Monitoring (18:46) Credit Reporting Agencies (24:06) How to Remove Your Personal Information Online (26:24) Quick Overview of Credit Scores (29:36) How Credit Scores Are Calculated (35:33) FICO Score vs. Vantage Score (38:12) Upcoming (Big) Changes to Credit Scores (40:27) Where to Find Your Credit Scores (42:00) Analyzing Chris' Credit Scores (46:59) Two Main Factors That Impacted Chris' Credit Score (48:58) How the Points & Miles Game Impacts Credit Scores (53:12) The Impact of Closing a Credit Card (56:36) Ways to Improve Your Credit Score (59:21) Adding an Authorized User to Your Credit Card (1:01:59) How to Leverage Your International Credit Score (1:02:53) Quick Overview of Business Credit Scores Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices
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