Podcasts about Credit score

It's our final night here at the beautiful Hilton Tapatio Cliffs Resort and we'll be jetting back to Iowa tomorrow afternoon. It's been a great stay and our thanks to the Independent Distributors Association for asking us to be with them and cover this event as well as offer up some thoughts when it comes to building a better business. Thanks again! If you want to reach us on social media and if you're on Threads you can find  us @Insight_On_Business. And you can hook up with us all day on Twitter or "X" @IOB_NewsHour and on Instagram.  Here's what we've got for you today: The markets tanked today and why; Rupert Murdoch leaves Fox. What's next; Medical Bills, Credit Scores and the Biden Administration; The confusing issue of COVID-19 vaccines; Hey, good news, the Weinermobile is back! Some layoff questions and a programing note. Thanks for listening! The award winning Insight on Business the News Hour with Michael Libbie is the only weekday business news podcast in the Midwest. The national, regional and some local business news along with long-form business interviews can be heard Monday - Friday. You can subscribe on  PlayerFM, Podbean, iTunes, Spotify, Stitcher or TuneIn Radio. And you can catch The Business News Hour Week in Review each Sunday Noon on News/Talk 1540 KXEL. The Business News Hour is a production of Insight Advertising, Marketing & Communications. You can follow us on Twitter @IoB_NewsHour...and on Threads @Insight_On_Business.

Anthony Davenport, a credit expert and founder of Regal Credit Management, shares his insights on credit repair, mortgages, and more. Listen to this week's podcast to learn how to build and maintain strong credit scores and how to leverage credit to achieve financial freedom.

Bonus Operations is a series hosted by apartment owner/operator and Best Ever Show host, Slocomb Reed. In each five- to ten-minute episode, Slocomb provides his top takes for executing your business plan and maintaining cash flow. In this Bonus Operations episode, Slocomb Reed shares the right questions to ask as well as the right variables and qualification criteria for rental tenants. He discusses topics like when to allow a co-signer, pet policies, how to check eviction histories, and more.   Click here to learn more about our sponsors: Delete Me BAM Capital

If you don't know the importance of credit scores, how they're determined, how they impact your financial journey, and how to fix them, you've come to the right place. In this episode, we will cover the different credit bureaus, scoring models, determining factors that may affect your credit score, and how to improve your score. Enjoy! Try a 7-day trial of SmartCredit for just $1: https://www.smartcredit.com/?PID=88799 --------------------------

In this episode, we're talking about credit repair. Your credit matters. A lot. Nearly every financial transaction involves your credit: getting an apartment, buying a house, getting cell service…how much you pay for car insurance…sometimes even getting a job. And your credit can determine not just whether you can get various services, but how much you'll pay for them. So, what happens if you have crappy credit? You might turn to a credit repair company, but this is an area rife with rip-offs. There are more than 40,000 credit repair companies in the United States and it's not easy to tell the good guys from the bad guys. And believe me…there are plenty of bad guys out there. So today we're going to talk about how to fix your credit yourself, or if you need help, how to find it. Host Stacy Johnson is joined by financial journalist Miranda Marquit. Listening in and sometimes contributing is producer Aaron Freeman. Today's special guest is Michelle Lambright Black, a long-time industry professional. Remember, our podcasts don't offer financial advice. So make sure to do your own research and consult your own experts before acting on anything you learn here. You can download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on Google Podcasts Listen on Spotify What you need to know about credit scores One of the reasons people get worried about credit repair is because they're worried about their credit scores. If you want to learn more about credit scores, we have resources that can help. Credit Scores: Everything You Need to Know Here's Why Nobody Cares About Your Perfect Credit Score 7 Ways to Get Your FICO Credit Score for Free A New Way to Get Your Credit Score for Free — Straight From FICO 5 Reasons Dave Ramsey Is Wrong About Credit Scores How to Protect Your Kids' Credit What Employers Really See When They Run a Credit Check Boost your credit score and get more for your money If you're hoping to boost your credit score, we can help you improve your history and so you have access to more financial services at better prices. 5 Little-Known Tactics To Raise Your Credit Score Bad or No Credit Score? CreditStrong Can Help 7 Surprising Things That Damage Your Credit Score Can Carrying a Small Credit Card Balance Help Your Credit Score? This Type of Debt No Longer Can Harm Your Credit Score 7 Bonehead-Simple Ways to Turbocharge Your Credit Score What Is a Secured Credit Card and How Can It Boost Credit? How I Got a Perfect Credit Score in 4 Steps No Credit Score? These Banks Might Help You Get Plastic Credit Limit Lowered? 4 Things You Can Do Right Now to Fix It Meet this week's guest, Michelle Lambright Black Michelle is a credit expert, freelance writer, and founder of CreditWriter.com. She has over 20 years of experience writing and speaking about credit and money, and focuses on helping families and small business owners make smart, informed decisions about their credit, money, and financial products. Michelle's work has appeared in publications such as Reader's Digest, Parents, Experian, FICO, Forbes, Money, Bankrate, Seattle Times, MarketWatch, BuySide from Wall Street Journal, USA Today, and more. She is a two-time finalist for the best personal finance freelancer award from the Plutus Foundation. When she isn't writing or speaking about credit and money, Michelle loves to travel with her family or read a good book. Website Twitter LinkedIn Don't listen to podcasts? A podcast is basically a radio show you can listen to anywhere and anytime, either by downloading it to your smartphone or by listening online. They're awesome for learning stuff and being entertained when you're in the car, doing chores, jogging or riding your bicycle. You can listen to our latest podcasts here or download them to your phone from any number of places, including Apple, Spotify, RadioPublic, Stitcher and RSS. If you haven't listened to our podcast yet, give it a try, then subscribe. You'll be glad you did! About the hosts Stacy Johnson founded Money Talks News in 1991. He's a CPA, and he has also earned licenses in stocks, commodities, options principal, mutual funds, life insurance, securities supervisor and real estate. Miranda Marquit, MBA, is a financial expert, writer and speaker. She's been covering personal finance and investing topics for almost 20 years. When not writing and podcasting, she enjoys travel, reading and the outdoors.Become a member: https://www.moneytalksnews.com/members/See omnystudio.com/listener for privacy information.

Marcus Garrett with Jackie Beck shares how to get your credit score to 800 Episode 2445: The 800 Credit Score Club: 4 Tricks to Quickly Increase Your FICO Score by Marcus Garrett with Jackie Beck Jackie and her husband paid off over $147,000 in debt, including their house! She's walked the walk to become completely debt free, and she wants to help you do the same with her award-winning Pay Off Debt by Jackie Beck app. Jackie and her app have been featured in Oprah Magazine, MarketWatch, Forbes, CNBC, and more. The original post is located here: https://www.jackiebeck.com/800-credit-score-club/ Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Marcus Garrett with Jackie Beck shares how to get your credit score to 800 Episode 2445: The 800 Credit Score Club: 4 Tricks to Quickly Increase Your FICO Score by Marcus Garrett with Jackie Beck Jackie and her husband paid off over $147,000 in debt, including their house! She's walked the walk to become completely debt free, and she wants to help you do the same with her award-winning Pay Off Debt by Jackie Beck app. Jackie and her app have been featured in Oprah Magazine, MarketWatch, Forbes, CNBC, and more. The original post is located here: https://www.jackiebeck.com/800-credit-score-club/ Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you a first-time homebuyer feeling lost in the world of credit scores and mortgage qualifications? In this enlightening episode, mortgage expert Ivan Simental NMLS# 1762746 dives into the crucial factors that determine a good first-time buyer credit score and unravel the mystery behind credit score requirements for various loan types. He also provides tips on how to get your credit score in good shape. Learn more about the home buying process, refinancing, and real estate investing at themortgagereports.com The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#1019791

Her sister wants her to co-sign on the new car she wants, but she's afraid she'll ruin her credit! What would you do? Learn more about your ad choices. Visit megaphone.fm/adchoices

Many people fear using their credit due to misconceptions surrounding this strong financial tool, not realizing the power of having a good credit score to save money. There's no need to run off when you hear the word credit, because Michelle Lambright, founder of CreditWriter and a leading credit speaker and expert for more than two decades, is going to enlighten you on credit scores, the system, how to improve them, and their benefits for our finances.

Are you looking for a mortgage advisor who can understand your unique scenario or someone who is licensed in all 50 States as well as Puerto Rico? Then you are on the right channel! I can help you whether you are a first-time homebuyer, or with any type of loan type, you wish to use.  Let's get started!

Joining a credit union is more than just banking; it's about building a brighter financial future while being part of a community that cares. Having an account with a credit union is all about financial empowerment and community support. When you join a credit union, you become a member-owner and not just a customer. To highlight this, I speak to David Tuyo, President/CEO at University Credit Union about the importance of having an account at a credit union. Get this episode going. Press play!   Connect with host, Patrina Dixon +Instagram https://www.instagram.com/itsmymoney_/  +Twitter https://twitter.com/itsmymoney_  +YouTube https://youtube.com/c/It%E2%80%99sMyMoneywithPatrinaDixon  +Website http://www.itsmymoney.info/  Connect with guest, David Tuyo +LinkedIn https://www.linkedin.com/in/david-tuyo-16083714/  +Website https://www.ucu.org/   

Register For Our FREE Credit Repair Business Masterclass!Have you ever checked your credit score and found that it dropped by 25, 50, or even 100 points for no reason at all?An unexpected drop in your credit score can be scary, especially if you've worked long and hard to build it up. But don't panic! There's a simple reason for the drop and an even simpler way to fix it.Today, I reveal the 5 causes of these mysterious drops and explain what you can do about them!These tips will save you a lot of hassle, so you better stick around! Key Takeaways:Intro (00:00)Don't Panic! (01:00)The Factors Determining Your Credit Score (01:58)How to Respond: 5 Simple Steps (06:44)My Final Point (09:20)Community Spotlight (09:34)Outro (10:37)Additional Resources:- Get a free trial to Credit Repair Cloud- Get my free credit repair training  - Credit Report 101: A Beginner's Guide to Reading & Disputing!Make sure to subscribe so you stay up to date with our latest episodes.

Hey there, Rainmakers! We've all heard about credit scores, credit cards, and debt. The word ‘credit' often evokes fear in many, thanks to the numerous misconceptions surrounding it. However, on the show today, we had the privilege of hosting a unique guest, Brandon – someone who takes the art of credit and turns it into something spectacular. He is the guy you'd want on your team if you want to debunk the myths about credit! It's surprising how many myths are out there about credit. Some believe it's harmful, some stress that if you can't afford it in cash, then you shouldn't use credit at all. As Brandon highlighted, many don't realize that on your credit report, the lenders actually prefer to see 21 or more total accounts. In other words, having less can hurt your score. The bottom line is, many are unaware of how credit can be a powerful tool. The wealthy have used it to their advantage for decades. As Brandon explained, businesses wouldn't last more than a few days without credit. Think of Elon Musk and his genius strategy with the Tesla truck; a $100 deposit offer for a truck that wasn't even built yet! With that proof of concept, banks were willing to loan, without Musk having to dig into his own pockets. But it's not just about the Elons of the world. Even you and I can leverage credit in brilliant ways. For Brandon, the path wasn't easy. Growing up in difficult circumstances, facing adversities, and even suffering a traumatic explosion accident in 2013, life threw numerous challenges his way. But adversity also brought clarity. The accident left him in debt for the very first time, but  rather than let that deter him, he took it as a challenge. Diving deep into the world of credit, he quickly understood its vast potential. Today, he uses credit to invest in real estate, proving that it isn't about where you start but where you aim to go. Through leveraging credit, Brandon found an avenue to reduce risk and give himself an advantage. Credit, when understood and used wisely, isn't the monster under the bed. It's a tool, and like any tool, its effectiveness lies in the hands of the user. So, the next time you hear the word ‘credit', think of it as a door to endless possibilities, if only you hold the right key. So hit that play button and get ready to harness the true power of credit. Your financial game plan is about to get a major upgrade!   Connect with us: The Rainmaker Challenge: https://rainmakerchallenges.com/join ► Subscribe To Our YouTube Channel: https://bit.ly/33EdgBs ► Website: therainmakerfamily.com ► Facebook: www.facebook.com/diazfamilylegacy ► Instagram: instagram.com/chels_diaz instagram.com/steezdiaz instagram.com/therainmakerfamily ► Get Free Stuff On Amazon: stephensfreestuff.com/sfs Episode: minute by minute  00:37 Introduction to special guest, Brandon Elliot and his experience with all things credit  01:24 Brandon talks about the biggest lies people hear when it comes to credit  03:21 Brandon shares how he helps people flip the script on banks and expand the possibilities  04:24 Brandon gives insight on how we can learn from the “ultra rich” people in regards to credit 07:33 Hear Brandon's story and how he became passionate about credit and teaching others  09:44 Brandon walks through growing up poor and his deep struggle with addiction  11:08 Brandon has a wake up call after a near death experience and court case  14:59 Brandon was given a mentor through the court system that helped shape his life  15:53 Brandon begins to pursue real estate, and enters the world of credit  18:18 Learn how to start turning your credit score around  20:44 Brandon talks about how people can attack large amounts debt  21:50 How to approach late credit card payments  23:48 Brandon dives into the difference between good debt and bad debt  25:23 Finding the right credit cards and are there cards to stay away from?  26:22 Brandon shares what kind of credit card benefits business owners should be looking for  28:02 Brandon shares 6 types of products your should be looking for when it comes to credit 30:30 Brandon gives insider tips on how to leverage interest rates with multiple credit cards  31:23 The benefits and possibilities of expanding your credit line over multiple credit cards  33:23 The possibilities of saving points and miles on credit cards 35:38 Brandon gives his take on hard inquiries and how they affect your credit score  37:48 Brandon breaks down mass apply and what it actually means  40:14 How to connect and learn more from Brandon and his investment company!  

"Founders are made to look like superheroes. They get up at 4am, meditate, take ice baths, work 100 hours a week… I think it's a super unhealthy culture."Today's 40 Minute Mentor shines a light on the realities of Founder life, and his passion for reframing how the world sees and perceives credit. We are excited to welcome Tim Chong, Co-Founder and CEO of Yonder, to the podcast. Yonder is on a mission to build a credit experience that empowers young people to live their best lives and build responsible spending habits, at the same time. Tune in to today's episode to discover: ➡️ The unhealthy culture surrounding Founder life [03:53] ➡️ Growing up around computers and the influence on his tech journey [05:25] ➡️ Exploring the world and creating high impact as a consultant [07:33] ➡️ Pivoting from consultant to Founder [10:17] ➡️ How a revolutionised economy in Kenya started the story of Yonder [15:02] ➡️ How Yonder is supporting young people and their social lives via credit spend [21:35] ➡️ Tuning in to Founder interviews to scope out early stage challenges [26:50] ➡️ How to keep going during an economic downturn [29:57] ➡️ Selling the long-term thesis to win over investors [35:40] ➡️ The significant impact of early hires and Yonder's culture [39:58] ⛳ Helpful links:➡️ Connect with Tim: https://www.linkedin.com/in/tim-chong/➡️ Find out more about Yonder: https://www.yondercard.com/ 

Today, Becky answers your questions about credit scores and talks about what it means to “set your rental criteria.”

David Hochberhg is Vice President of Lending for Team Hochberg at Homeside FinancialGo to 56David.com to find all of his information-Why your credit score is so important - it impacts EVERYTHING-When should you think about Bankruptcy -How to get your credit score up-Follow the plan-Hoch's shares examples of how he helped people

In this informative podcast episode, we have the privilege of hosting Mike Taveira, Vice President and Senior Loan Officer at BayCoast Bank, to unravel the mysteries of credit scores. With his extensive expertise in lending and finance, Mike dives deep into the world of credit scores, demystifying their importance, impact, and how they play a crucial role in various financial decisions.Throughout the interview, Mike breaks down the components that contribute to a credit score, discussing factors such as payment history, credit utilization, length of credit history, and more. He sheds light on how these elements interconnect to determine an individual's creditworthiness and financial credibility.Whether you're someone aiming to understand the fundamentals of credit scores, a borrower looking to enhance your financial standing, or simply curious about the intricacies of credit management, this podcast episode with Mike Taveira is a must-listen. His expertise, guidance, and clear explanations will equip you with valuable knowledge to navigate the world of credit scores and make informed financial decisions.

Earlier this month, the United States did not ace its credit test. To unpack this story, and give a bonus insight as a recovering finance bro, Nicole talks to Shawn O'Malley, the chief editor and creator of the popular investing newsletter We Study Markets. Subscribe to Shawn's awesome newsletter We Study Markets here: https://westudymarkets.beehiiv.com/ Want to start investing, but don't know where to begin? Go to moneyassistant.com and meet Magnifi, your AI money assistant, designed to help you make a plan for your financial goals. Want one-on-one money coaching from Nicole? Book a meeting with her here: intro.co/moneynewsnetwork 

ScoreMaster 7 day trial for $1: https://www.winthehouseyoulove.com/credit Free credit report: https://www.annualcreditreport.com/index.action Dispute errors: https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/ ► ► Get Pre-Approved With My Team → https://www.winthehouseyoulove.com/lender ► ► Get An Agent Referral → https://www.winthehouseyoulove.com/agent TOP RESOURCES

Almost every day, I (guest host Jeremy Schneider) hear someone mention their credit score. After being in school our entire young lives, we must all crave for someone to give us another grade. And when the ol' FICO corporation is slapping a big number on all of us... ...we excitedly spend every waking moment trying to improve (or maintain) it. But here's the problem: Focusing on your credit score is a TERRIBLE way to win with money. You're putting your energy towards precisely the wrong thing. In today's episode, I'm sharing why you shouldn't care about your credit score + what you should be focusing on instead! WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners around the country and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet.

Registered investment advisor, blogger and the author of four best-selling books, including “The Savage Truth on Money,” Terry Savage, joins Bob Sirott to discuss China’s economy and how it could impact others around the world. They also talk about the trend of people retiring early due to the pandemic. Later on, Terry shares what could […]

On this week's show we are gearing up for football, so we thought we would compare game planning for the big Sunday game to game planning for your retirement. We will dive into the X's & O's of retirement planning. The latest financial news takes center stage and what it means to you and your retirement. If you have any questions concerning your retirement contact Guardian Investment Advisors 800-517-1575. Planning, Retirement, Savings, Taxes, Roth, IRASee omnystudio.com/listener for privacy information.

Credit scores... Tom finds out his score... Becky's in trouble... and dumb injuries!

A wet winter and rainy spring mean more water in the Colorado River, so how will that impact the short and long-term plan for water usage? Then, credit scores are supposed to be determined objectively, but new research shows that's not the case. Plus, answering a Colorado Wonders question about cellphones and driving. And two exhibits at MCA Denver explore cultural inclusivity.

Ep: #68 Picture this: A world where your dreams of homeownership are no longer distant aspirations, where the car you've always wanted becomes an achievable reality, where unexpected financial emergencies don't send you into a spiral. This world is within reach, and it starts with understanding and improving your credit. In this episode of the Budget Divas podcast, Rhonda Alexander Monkres, the credit coach and owner of Kūpa'a Consulting Services, discusses the important topic of credit. Rhonda shares valuable insights and tips on maintaining, establishing, and improving credit scores.Rhonda introduces herself as a credit coach based in Maui, with a mission to help Hawai'i residents improve their credit scores and achieve their financial goals. She compares credit scores to adult report cards, ranging from 350 to 850, reflecting creditworthiness. Responsible credit use, keeping balances under control, making payments on time, and managing inquiries are essential practices for demonstrating creditworthiness.Rhonda emphasizes the significance of credit monitoring and explains the difference between FICO and Vantage credit scores. Monitoring credit helps detect unauthorized accounts due to identity theft, and Rhonda provides guidance on reporting and protecting against identity theft.Rhonda illustrates the substantial difference in interest rates for someone with a 500 credit score compared to someone with a 750-800 credit score when applying for loans, such as car loans and home loans. Rhonda offers actionable steps to improve credit, including maintaining low credit card balances, making timely payments, avoiding unnecessary credit inquiries, and becoming an authorized user on an account with excellent payment history.Rhonda's expertise sheds light on the crucial role of credit in financial stability and the steps individuals can take to manage their credit effectively. To learn more about Rhonda and get a free credit review, visit her website at https://kupaaconsulting.com/. You're Invited to a free LIVE training: How To Get Out of Debt Faster With Mystery Shopping. Mystery shopping? What's that got to do with my finances? Mystery shopping isn't just about scoring free meals or testing out luxury cars; it's a powerful tool that can turbocharge your journey to financial independence! Imagine paying off your student loans, credit card debt, or that pesky mortgage years ahead of schedule! Head over to www.budgetdivas.com/faster and secure your spot. Seats are limited, and you won't want to miss out on this life-changing event. It's time to take control of your financial future and unlock the potential within you.

Struggling with your credit score? Tiffany Grant, host of Money Talk with Tiff Podcast, shares easy-to-follow strategies on improving your credit. From understanding credit scoring models to getting free credit reports from the government mandated website, find out how you can increase your credit score and be on your way to financial success. Don't miss out on this invaluable advice - tune in now! Every Tuesday, Tiffany answers one of your submitted questions. To submit a question for an upcoming episode, visit here: https://www.moneytalkwitht.com/asktiffany Additional Links & Resources A Comprehensive Guide to Credit for Millennials and Gen Z How Much Does Your Credit Score Matter? Markia Brown: How to Improve Your Credit Score Fast Need to book a consultation? Click here!

Today we talk about credit scores - what they can and cannot do and a few things that may surprise you.

Is Your Side Hustle a Tax Write-Off? Todays guest a Sister with an 800 credit score gives us tips on how to achieve that goal. If we have multiple credit cards, which should be pay down first? She discusses retirement tips, retirement age, tips on passing down property to family members, and tips on residual income like being an actress in films and commercials. She gives tax write-off tips, tips on job selection, and tells the importance of patents. This show is filled with so many tips take a listen now!

In this informative podcast episode, we have the privilege of hosting Mike Taveira, Vice President and Senior Loan Officer at Baycoast Bank, to unravel the mysteries of credit scores. With his extensive expertise in lending and finance, Mike dives deep into the world of credit scores, demystifying their importance, impact, and how they play a crucial role in various financial decisions.Throughout the interview, Mike breaks down the components that contribute to a credit score, discussing factors such as payment history, credit utilization, length of credit history, and more. He sheds light on how these elements interconnect to determine an individual's creditworthiness and financial credibility.Whether you're someone aiming to understand the fundamentals of credit scores, a borrower looking to enhance your financial standing, or simply curious about the intricacies of credit management, this podcast episode with Mike Taveira is a must-listen. His expertise, guidance, and clear explanations will equip you with valuable knowledge to navigate the world of credit scores and make informed financial decisions.https://baycoast.bank/en/

Her sister wants her to co-sign on the new car she wants, but she's afraid she'll ruin her credit! What would you do? Learn more about your ad choices. Visit megaphone.fm/adchoices

Credit Reports are an important tool in managing your finances. But what are they exactly? And how do you get them? Take a listen to find out! Show Notes: • AnnualCreditReport.com – get your free credit reports annually from Experian, TransUnion, and Equifax • Episode 51: Credit Scores: https://on.soundcloud.com/6aXWi • Fair and Accurate Credit Transactions Act of 2003 (FACTA): https://www.ftc.gov/legal-library/browse/statutes/fair-accurate-credit-transactions-act-2003 • How to get your annual credit report from Experian (includes disclaimer about free weekly credit reports through December 31, 2023): https://www.experian.com/help/annual-credit-report.html#:~:text=Through%20December%2031%2C%202023%2C%20Experian,hardship%20caused%20by%20COVID%2D19.

David is onto step THREE in his series that shows you how to buy a home. Credit scores can feel overwhelming and David gets it: yes, they can be hard to navigate. Thankfully, David is going to tell-all in this latest episode where he talks ALL things credit so you are armed and dangerous when it comes to prepping to buy your first home. Here are some power takeaways from today's conversation: When you should start working on your credit score The importance of time FICO vs. Credit Karma vs. other apps Where your credit score comes from Episode Highlights: [04:44] Don't Rush It The most important thing you need to know about building your credit score is that it takes time. We're at the mercy of the financial system and we can't change it, so there's no point in getting all anarchal about it. It's how it is. BUT, we can learn how to beat the system so we can use these systems to our advantage and still get the best deal. The key to it all? Being patient, especially if you or your partner are starting with a lower score. And remember, it's not fun, it's not sexy, but it's very rewarding, so find a way to celebrate when you've built it up to your goal! [18:44] Hard Pull vs. Soft Pull The only way that you can get a full approval for a loan is to get a hard credit pull, which does give your credit score a hit. While you might have been warned to avoid this from other people, you have to remember that they need to pull your credit score for a full approval and if you don't get this done it's possible you could even lose the home. But, if you're early in the process, you can get your credit pulled and then have time to build up your score again. Having the right team means that they can guide you through this process and make sure that you are on the right track. [30:54] What Happens When Your Score Looks Rough When you're qualifying together, sometimes you'll need both incomes to buy a home. However, it's not an average that they use - they use the lowest the mid score. So, if your credit is 800 and their score is 620, well, they're going to use the 620 score. But, there are some ways that you can boost a bad credit score and jump even a tier or two. According to credit pros, exceptional scores are 800 to 850, very good scores are 740 to 799, good scores are 670 to 739, fair is 580 to 669, and anything lower is not so hot. If you want to jump a tier, then you can do some things such as strategically managing your debt, asking for more credit, getting credit for paying rent, and dealing with your negative marks first. 

Would you rather have a perfect credit score or $100,000? Kevin Matthews, a former financial planner, joins me on the podcast today to discuss why credit scores are not the be-all and end-all and what other areas of our finances deserve just as much if not more attention. Connect with Kevin Website | Twitter  Buy Kevin's Book – Burning to Blueprint: Rebuilding Black Wall Street After a Century of Silence Join Me on YouTube! https://www.youtube.com/PopcornFinance Want to submit a question to the show? Send an email to questions@popcornfinance.com Send me a message at PopcornFinance.com/Voicemail or Call 707-200-8259 Connect with me Instagram | Twitter | Facebook | YouTube | TikTok Thank you for listening to today's episode! Help support the show by leaving Popcorn Finance a rating or review on Apple or Spotify!  

Terry Savage, nationally syndicated financial columnist and author, joins Lisa Dent to talk about what your credit score means to companies and whether it’s possible to achieve a perfect 850 credit score. Follow The Lisa Dent Show on Twitter:Follow @LisaDentSpeaksFollow @SteveBertrand Follow @kpowell720 Follow @maryvandeveldeFollow @LaurenLapka

This week Danielle and Kristine learn how to survive a dreaded low credit score and the always hilarious Kate Flannery joins us to share the horror of sharing her credit with a boyfriend. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Esta semana en el podcast vamos a platicar sobre un tipo de Credit Score que quizás nunca habías escuchado, pero que puede afectar tu economía: el Credit Score del país donde vives.Y es que así como los burós de crédito nos califican por nuestras decisiones financieras y nos generan un credit score, existen empresas que califican a los gobiernos y la probabilidad de que estos no paguen sus deudas. Y la semana pasada una de ellas bajó la calificación de crédito de Estados Unidos, dándonos una buena oportunidad para platicarte sobre esto.Support the showEstamos en todas las plataformas de podcasts y en www.tacofinanciero.com. En redes sociales estamos en Instagram, Facebook, y Twitter, y los martes nos encuentras en Television en Canal 13 Chiapas, haciendo click AQUI.

Dave Ramsey & Jade Warshaw answer your questions and discuss:   EveryDollar, budget for the life you want today for free: Click Here "How do I help my parents plan for retirement?" Getting an apartment without a credit score, from the blog: Living Without a Credit Score, "Should I pay off my house if I'm going to sell?" "Should we sell a paid off rental to pay off debt?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Today's episode revolves around the recent U.S. credit rating downgrade and why real estate investors like you should learn and pay attention to it. Find out its impact on the economic sectors and use these insights to set your next move as a well-informed investor!      WHAT YOU'LL LEARN FROM THIS EPISODE  How the credit downgrade influence a market's investing environment Why credit quality affects collateral standards used by commercial bank  The foreign trading industry and its affiliation with the U.S. credit rating      RESOURCES/LINKS MENTIONED  Moody's Fitch Ratings     CONNECT WITH US  Schedule a call with Shawn for new Investment Opportunities at https://calendly.com/shawnwinslow/30min or text “Deals” to (415) 528-7403. Email: shawn@greenbriarcg.com    Instagram: Shawn Winslow  YouTube: Shawn Winslow LinkedIn: Shawn Winslow Facebook: Shawn Winslow

While it doesn’t work exactly like personal credit scores, the U.S. gets a credit rating too. And it just dropped below the top tier. We’ll talk about what the repercussions could be. Then, why working for a do-gooder company might mean lower pay, and we’ll hear from a Homeland Security Investigations agent about smugglers recruiting young people to drive migrants beyond the U.S./Mexico border.

Looking to purchase Life Insurance and don't know where to start? This is the episode for you.  We discuss the ins and outs of Life Insurance so that you can insure your life and your family.   Topics we cover:  - Your Credit and the impacts to your insurance - Why is Insurance necessary  - What are the struggles with infinite banking and much more. =||Books Mentioned ||= The Psychology of Money - https://amzn.to/4524xGY  More about LaShundra Harmon: https://www.FinancialMommies.com  Be sure to subscribe on iTunes, Spotify or wherever you listen to podcasts.  THANK YOU FOR LISTENING!  #LifeInsurance #creditispower #FinancialMommies #AboutThatWallet  Continue to support the show by subscribing, sharing and leaving comments on your favorite platforms. This help others like yourself find me.   ___________ AFFILIATES/SPONSORS: DISCLAIMER: these are sponsored links in which I get paid and you can benefit for being a listener to the podcast. Join the About That Wallet Newsletter! https://aboutthatwallet.com/newsletter  My equipment:  Rode Caster Pro - https://amzn.to/3i596tF  Streamyard - https://streamyard.com?pal=4718936395612160  SHURE SM7B Dynamic Microphone - https://amzn.to/3AbV040   Microphone Stand - https://amzn.to/3NIeBfz   Listen to the show on Audible:  Try Audible and get 2 free books - https://amzn.to/3tWuDdJ   __________________________________________________________________________________ Follow Me: IG: https://instagram.com/aboutthatwallet   Twitter: https://twitter.com/aboutthatwallet   Website: aboutthatwallet.com   Email: Anthony@aboutthatwallet.com   Spotify: https://open.spotify.com/show/4cvhtqNV7QCMbk2vD0HGCk?si=rqwIGhxaSW-vPlJOOAX3KQ   YT: https://youtube.com/c/ABOUTTHATWALLET   Apple: https://podcasts.apple.com/us/podcast/about-that-wallet/id1521474041   -- DISCLAIMER: I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in this audio are for educational purposes only. You must do your own research and make the best choice for you.  Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. It is imperative that you conduct your own research. I am merely sharing my opinion with no guarantee of gains or losses on investments. If you need advice, please contact a qualified CPA, CFP, an attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. --- Send in a voice message: https://podcasters.spotify.com/pod/show/aboutthatwallet/message Support this podcast: https://podcasters.spotify.com/pod/show/aboutthatwallet/support

While it doesn’t work exactly like personal credit scores, the U.S. gets a credit rating too. And it just dropped below the top tier. We’ll talk about what the repercussions could be. Then, why working for a do-gooder company might mean lower pay, and we’ll hear from a Homeland Security Investigations agent about smugglers recruiting young people to drive migrants beyond the U.S./Mexico border.

Christopher Brookins is the co-founder of RociFi, a DeFi primitive for on-chain scoring and capital-efficient lending. Why you should listen RociFi enables borrowers with clean EVM-compatible on-chain history and reputation to borrow with collateral while offering lenders a high, stable deposit yield.  In order to borrow on RociFi, users must mint an ERC-1155 token, NFCS (Non-Fungible Credit Score). The NFCS proves ownership of the address bundle that the borrower wishes to be credit scored. The need for a unique, non-transferable on-chain credential that unlocks greater utility and safety across Web3 has grown in interest since Vitalik Buterin's recent post about “Soulbound” tokens. RociFi's NFCS (Non-fungible credit score) is designed to be Web3's first, verified token for credit, reputation, and trust.  As the need for on-chain reputation and credit scoring grows, Chris says RociFi is moving away from under-collateralized lending and will focus on credit scoring, expanding utility, and integration with other projects. Potential future directions for the protocol include reconfiguring credit scores for lower borrow rates or partnering with existing liquidity pools. There is an upcoming token launch for ROCI via an IDO which will unlock elements of integration and collaboration in their platform. They aim to grow liquidity responsibly and decentralize the credit scoring apparatus. After token launch, the core team plans to introduce an incentive and staking system designed to attract and retain sticky token holders that promote long-term growth and sustainability of the protocol. Supporting links Coinsbee RociFi Andy on Twitter  Brave New Coin on Twitter Brave New Coin   If you enjoyed the show please subscribe to the Crypto Conversation and give us a 5-star rating and a positive review in whatever podcast app you are using.  

Today we're talking all things credit scores and credit reports! Credit reporting expert Geri Cremin from CreditSmart joins Glen on the show to share what the latest research reveals about Aussie habits, attitudes, and behaviours towards credit in the face of rising cost of living and answers all your burning questions:

Retirees often see their credit scores decline following their working years. WSJ personal-finance reporter Imani Moise joins host J.R. Whalen to discuss why maintaining a high credit score still matters to many older Americans. Learn more about your ad choices. Visit megaphone.fm/adchoices

What exactly is a credit score, and does it really matter? Let's demystify the concept and explore its significance.Around 90% of lenders use credit scores to assess potential borrowers, which means it directly impacts the loans you can get, the interest rates you'll pay, and the terms you'll be offered.It also affects your ability to rent a home, influences insurance rates, determines utility deposits, and even impacts your job prospects. In short, your credit score holds significant sway over your financial opportunities.In this episode, we're going to crack open the vault and dive deep into the world of credit scores. I'll break down exactly how they work, what factors influence them, and, most importantly, how you can improve and maintain a healthy credit score. Take charge of your financial well-being today. Hit that play button and empower yourself with the knowledge to make smarter financial decisions.IN TODAY'S EPISODE, I DISCUSS: What credit scores are and why they matter for borrowingFive levels of credit scoreHow FICO Scores are calculatedRECOMMENDED EPISODES FOR YOU If you liked this episode, you'll love these ones:My Favorite Investing Accounts (And How to Maximize Your Returns)How to Invest in ETFs & Index Fund to Create WealthWhy Knowing Your Financial Numbers is Vital to Your FutureWealth Habits That Make a DifferenceTAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com  OTHER RESOURCES:Get your FICO score for free: https://www.myfico.com/credit-education/whats-in-your-credit-scoreGet your free credit report: https://www.freecreditreport.com7-Day Money Plan Workshop: https://www.TheMoneyPlanWorkshop.comAffluent Entrepreneurs Private Facebook Group https://www.melabraham.com/group/CONNECT WITH ME:Website: MelAbraham.comYouTube: MelAbraham.com/tube/Instagram (@melabraham9): MelAbraham.com/ig/Facebook Group: MelAbraham.com/group/TikTok: https://www.tiktok.com/@melhabrahamGET MY BOOK:“The Entrepreneur's Solution The Modern Millionaire's Path to More Profit, Fans, & Freedom” – melabraham.com/book/Sign up to join me on a private Zoom call and accelerate your way to financial freedom at melabraham.com/coffee Join me for a 3-part, free live training where I teach you the blueprint to becoming financially liberated so you can experience the freedom you deserve!Register at affluencelive.com

Laura answers a listener's question about whether to take out a personal loan to pay off a credit card and the long-term effect on her credit scores.Money Girl is hosted by Laura Adams. A transcript is available at Simplecast.Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at 302-365-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links: https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDThttps://twitter.com/LauraAdamshttps://lauradadams.com/ 

From credit cards to credit scores and everything in between, “Grown-Up Stuff: How to Adult” digs into the good, bad, and prudent ways to build and use credit. We talk to Sara Rathner, a senior writer, travel, and credit card expert at NerdWallet, about why making purchases with a credit card (instead of a debit card) is safer, how we can build our credit back up from a less-than-perfect past, and how to effectively use your credit card to build up a personal rewards savings account!See omnystudio.com/listener for privacy information.

Ken Coleman & Jade Warshaw answer your questions and discuss:  "Is there such a thing as good debt?" Romance scams are on the rise, The value of taking your time and stacking cash, "We're $400k in debt as newlyweds; should we sell our house?" "How do I get an apartment with no credit score?" from the blog: Living Without a Credit Score, Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!” www.everydollar.com/jade    Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices