Podcasts about Credit score

Happy Friday from Neil and the Crew to you! Neil is filling in for Bill as we lunch into Foodie Friday! Which butter are you using in the kitchen? Then, Neil gets into the wonderful world of Credit Scores. Making things yourself can feel awesome, especially if it goes against HOA guidelines. See omnystudio.com/listener for privacy information.

What if a 600 credit score doesn't automatically disqualify you from getting serious business funding? Brandon Jackson and Tevin Facey of Millionaire Essentials join Ash Cash inside the vault to break down how entrepreneurs can use credit, business funding and leverage to access capital—and more importantly, what to do with the money once you get it. They explain why your credit score is only one piece of the funding equation, how CDFIs may provide opportunities for borrowers who don't fit traditional bank standards, and why a strong business plan can matter just as much as the number on your credit report. The conversation goes much deeper than getting approved. Brandon and Tevin explain how entrepreneurs can use 0% business credit cards, lines of credit and other forms of capital to grow businesses, invest in real estate and create cash flow without falling into the trap of using debt to pay debt. They also share a client example in which they say $200,000 in funding was used to purchase and flip real estate, resulting in more than $500,000 in returns.In this episode: • How a 600 credit score may still qualify for certain funding opportunities • What CDFIs are and how they work • Why a 750 credit score doesn't guarantee approval • What lenders actually look for beyond your score • Business credit cards vs. lines of credit vs. loans • How 0% introductory business credit can be used strategically • Why you should never use debt just to pay other debt • How credit utilization affects your funding profile • Why a business plan matters before you borrow money • How to research banks before applying • Using business funding for real estate and group homes • Why mentorship and relationships can accelerate your business • How Millionaire Essentials built a seven-figure business through partnership and community • The difference between access to capital and actually building wealth Funding approvals, credit limits, interest rates and lending requirements vary by lender, borrower and business. The strategies and results discussed are the guests' reported experiences and examples and are not guaranteed. This episode is for educational purposes only. Connect with Millionaire Essentials:Instagram / Facebook / YouTube:  ⁨@MillionaireEssentials⁩  Tevin: @tevinfacey Brandon: @brandontheprovider Inside the Vault: @insidethevault Host: @iamashcash IAmAshCash.com ABUNDANCE IS YOUR BIRTHRIGHT. Join Ash Cash and a community focused on building wealth, increasing income, strengthening your mindset, and creating a more abundant life: TheAbundanceCommunity.comTIMESTAMPS 00:00 – Business funding is leverage 00:58 – Ash Cash book CTA 01:59 – Welcome to Inside the Vault 03:12 – Meet Brandon & Tevin of Millionaire Essentials 06:10 – The missing piece: having a real business plan 07:26 – The biggest mistake people make with funding 08:34 – Why personal credit still matters 10:04 – Stop thinking small about your business 12:43 – Business credit cards, lines of credit & loans 13:33 – Why they recommend 0% business credit first 15:48 – Good debt vs. bad debt 16:11 – The danger of overleveraging 18:16 – How to become more fundable 20:31 – Credit utilization explained 21:54 – What banks look for when you want $100K 23:07 – How to research the right banks 27:19 – Why mentorship speeds up the process 28:58 – Can you get funding with a 600 credit score? 29:27 – CDFIs explained 30:28 – How a business plan could support a $100K request 32:06 – Why a 750 score still may not be enough 33:15 – The truth about “$100K with no docs” marketing 35:30 – Group homes using business funding 36:02 – $200K in funding turned into $500K+ in real estate 37:00 – Why they entered the group home space 39:23 – Helping Lynette Jones reach an 800+ credit score 41:15 – Turning group homes into sellable businesses 43:13 – Why mentorship should never stop 44:36 – Millionaire Mastery Club 46:19 – How to market and scale your business 47:40 – Why community matters more than information 49:48 – How one relationship became a seven-figure business 50:04 – Their business funding “hack” 53:00 – Using CDFIs for land and development 54:16 – The mindset you need before taking business funding 55:59 – Connect with Brandon & Tevin 56:43 – How to vet a business mentor 58:05 – 7-day access to their community 59:07 – Closing the Vault & Abundance Community  Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this episode, Sarah shares her inspiring journey from refugee to successful real estate investor, highlighting strategies for building wealth, managing operations, and scaling in the Texas market.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind: Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership: Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright: Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform! Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Money correspondent Susan Edmunds has been looking at new data showing how credit scores vary around the country, and between age groups. She spoke to Ingrid Hipkiss.

Mysterious scoring systems, commitment issues, aggressive suitors, and paperwork that knows exactly how financially attractive you are - insurance shopping has everything a woman could want. In this Naked Money Meeting, Erin and Keri explore the surprisingly intimate connection between your financial history and insurance costs. Saddle up!  The Naked Money Meetings continue online here: https://www.facebook.com/share/g/1HqMhn3BQF/  We want to hear from you! You can leave us a message here: www.speakpipe.com/erinskyekelly  For your term life insurance needs, we recommend trying SelectQuote. To get a free quote, visit selectquote.com/SKYE.   Texans, see which Texas insurers use credit scores and learn about your rights and possible exceptions here: https://agate.tdi.texas.gov/credit/index.html  Today's episode is brought to you by OneSkin. For a limited time, try OneSkin with 15% off using code ERIN at oneskin.co/ERIN. Tell them we sent you!  Purchase the book Naked Money Meetings and Erin's other award-winning book, Get The Hell Out Of Debt online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

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We can socialize... at DINNER! Why must we go to a concert? Today on the Show, HAPPY WEDNESDAY! You know when your potential date will ask for your ZODIAC SIGN? Payton says girls are past that and onto CREDIT SCORE now!?!? What are YOUR thoughts? But first, DRUNK DIAL LOUNGE! Then after we get into DATING PREREQUISITES, we have MINUTE TO WIN IT, NOISE MACHINE and THE LATEST ON TAYLOR SWIFT'S 'ENCORE' releases coming FRIDAY! All of this and MUCH MORE today on Johnjay and Rich See omnystudio.com/listener for privacy information.

Everyone online loses their mind arguing about BAH like it's the only thing that decides what house you can buy. It's not even close to the full picture. In this episode I break down what lenders actually look at (your debt, your credit score, your residual income, and the property type you're buying) and why an E-4 with clean credit and no debt can out-qualify an officer who's buried in truck payments. I also walk through how VA loan house hacking on a duplex, triplex, or fourplex lets you qualify for more house than you ever could on a single-family, using a real example of a single E-5 who bought a $1.2 million fourplex in San Diego and lived there for free.   Timestamps (00:00) - Intro (00:55) - Buying Power Isn't Just BAH (02:38) - Credit Score and Utilization Rate (04:47) - VA Residual Income Rule (05:59) - E-5 Buys $1.2M Fourplex (07:16) - Stop Obsessing Over BAH (08:45) - Don't Overspend Your Approval (11:00) - Free Agent and Lender Match   About the Show On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing. Get an intro to my recommended VA lenders and/or real estate agents: https://www.frommilitarytomillionaire.com/va-realtor  Resources & Links Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application Join our investor list: https://www.frommilitarytomillionaire.com/investors Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide   Connect with David Pere Facebook Group: https://www.facebook.com/groups/militarymillionaire YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1 Instagram: https://www.instagram.com/frommilitarytomillionaire/ LinkedIn: https://www.linkedin.com/in/david-pere/ X (Twitter): https://x.com/militaryrei TikTok: https://www.tiktok.com/@militarymillionaire   Produced by ⁠UNFLTR

You’ve probably seen the ads encouraging you to check your credit score, but do you know what that number actually says about your financial behaviour? Lester Kiewit is in conversation with financial journalist Maya Fisher-French of Maya on why your credit score matters, what can affect it, whether checking your own score can hurt your credit profile, and what consumers should be aware of when using credit score checking services. Good Morning Cape Town with Lester Kiewit is a podcast of the CapeTalk breakfast show. Lester Kiewit brings you a fresh and reliable start to the day on Good Morning Cape Town with Lester Kiewit. The show covers the stories that matter to Cape Town, with clear, thoughtful conversations and a focus on what’s relevant and interesting. Thank you for listening. Catch the show live on Primedia+ weekdays from 6 am to 9 am (South African time) https://buff.ly/NnFM3Nk Find more from the show and catch‑up podcasts on Primedia+ https://buff.ly/xGkqLbT Subscribe to the CapeTalk newsletter to stay up to date https://buff.ly/sbvVZD5 Let’s keep the conversation going online: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/capetalkza CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567See omnystudio.com/listener for privacy information.

The mortgage credit system is changing. Fannie Mae lenders now have a new credit score option, while federal regulators are considering additional changes that could lower costs and expand access to credit. Kathy Fettke explains what's changing with FICO, VantageScore 4.0, and credit reports—and what it could mean for homebuyers and real estate investors.  

Are you planning to buy a home and wondering what credit score is needed to secure a mortgage? Buying a home can be a daunting task, especially when it comes to understanding the role of credit scores in the mortgage approval process. In this video, we'll break down the credit score requirements for different types of mortgages, including conventional, FHA, and VA loans. You'll learn what credit score is considered good for buying a house and what other factors lenders consider when evaluating your mortgage application. Whether you're a first-time homebuyer or a seasoned homeowner, this video will provide you with valuable insights and tips to help you navigate the homebuying process with confidence.Please be sure to like, comment and share! Got a real estate question? Share it in the comments below!Subscribe to Jason's YouTube channel: https://www.youtube.com/c/ItsAllAboutTheRealEstateCheck out other episodes of The AskJasonGelios Real Estate Show Here:https://www.youtube.com/watch?v=MU7f-6MnAvo&list=PLiRVzHeT4hfc_zObdgb2_hpwyIj8qsej0Follow on FB: https://www.facebook.com/jasongeliosrealtor/In the press:https://www.jasongelios.com/press.htmlPurchase Jason's book ‘From House To Wealth' On Amazon here: https://www.amazon.com/House-Wealth-Homeowners-Mistakes-Financial/dp/B0H6Y9MBH2/ref=sr_1_1?crid=2M38S37YUNMPB&dib=eyJ2IjoiMSJ9.YhDEjThD5WsHz62slynroUyiEzzK9RSiv2T5LnSS9hM0aKlB9zeYZ511oxCmwqYnWx99w7J4FOBfC6zq-qYhihuLCxeNrlZDvUs-ObRH9hM.uNHr_HWFQiEn7m50QIPDwOGs7y0pJhL52jrD77Rub5s&dib_tag=se&keywords=jason+gelios&qid=1784121937&sprefix=%2Caps%2C165&sr=8-1Purchase Jason's real estate book: THINK LIKE A REALTOR® here:Amazon:https://www.amazon.com/Think-like-REALTOR%C2%AE-selling-residential/dp/0578448866/ref=sr_1_2?keywords=Think+like+a+realtor&qid=1559215969&s=gateway&sr=8-2 Barnes And Nobles Online: https://www.barnesandnoble.com/w/think-like-a-realtor-jason-gelios/1131000728?ean=9780578448862Indiebound.org: https://www.indiebound.org/book/9780578448862Hire Jason Gelios in Southeast Michigan at www.JasonGelios.comSubscribe to VALUE PACKED Free e-newsletter here: https://www.jasongelios.com/homeowners-update.htmlBroker Disclosure: www.JasonGelios.comReal estate without the hype. Just honest advice that helps you make smarter decisions.Michigan Realtor Jason Gelios shares practical home buying, home selling, homeownership, and real estate investing tips designed to help you avoid costly mistakes and build long-term wealth. As a top-producing Realtor, Senior Real Estate Specialist (SRES®), self-published author, and recognized media contributor, Jason breaks down complex real estate topics into clear, actionable advice you can trust. Whether you're a first-time buyer, seasoned homeowner, or planning your next move, you'll gain the knowledge and confidence to succeed in today's market.

Jacob Moshokoa, standing in for Pippa Hudson, speaks to John Wessels, an actuary and member of the Short-term Insurance Committee of the Actuarial Society of South Africa, about how your credit record and regularly switching insurance companies could affect the premium you’re offered. Lunch with Pippa Hudson is your respite from hard news, a space to explore, taste, read, and reflect. Hosted by former journalist Pippa Hudson, the show embraces lifestyle in all its forms, guided by her adventurous spirit. Each week also covers consumer issues, plus conversations on health, wealth and the environment. Thank you for listening. Catch the show live on Primedia+ weekdays from 1 pm to 3 pm (South African time) https://buff.ly/NnFM3Nk Find more from the show, and all catch‑up podcasts on Primedia+ https://buff.ly/xGkqLbT Subscribe to the CapeTalk newsletters to stay up to date https://buff.ly/sbvVZD5 Let’s keep the conversation going online: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567See omnystudio.com/listener for privacy information.

In today's episode of Reddit Stories Podcast, a wild Karen completely loses it. You won't believe how this one ends! Sit back, relax, and enjoy this binge-worthy Reddit Stories Podcast, featuring Karen freakouts, entitled people stories, and pro revenge tales.

Buy Now, Pay Later shows up nowhere on the credit report you're working from, but it can still tank your client's score while you're mid-repair. In this episode of Credit Repair Business Secrets, Daniel Rosen shows Credit Heroes how to catch it first.Join Our FREE Start Repairing Credit Challenge: HERELast year, FICO built two new credit scores just for Buy Now, Pay Later data. The bureaus asked the lenders to send it. Affirm agreed, but Klarna and Afterpay refused and told reporters they're holding back until they're sure the model won't punish their own customers for paying on time. That leaves a hole in the credit report you build every client plan on, and no clean way to know how big it is.It moves in only one direction, and that's the whole problem. Pay six plans perfectly and you get nothing for it; miss a single one and it can roll to collections and sit on the report for seven years. On top of that, the billing-dispute protection you'd expect disappeared when the CFPB pulled its pay-in-four rule, so the file you're diagnosing has pieces missing and no label telling you where.The good part is that once this surfaces, it's ordinary dispute work you already know how to do, and most of your competition isn't looking for it yet. A Buy Now, Pay Later balance usually lands as a collection, which means the FDCPA and FCRA apply and you can ask for validation the way you would on any other account. Three questions on your intake form catch it before you ever quote a client a timeline, so a $90 jacket from last year never undoes months of work.Tune in! P.S. Join the #1 event to grow your credit repair business: http://creditrepairexpo.com/ Key Takeaways:00:00 Intro01:26 BNPL Can Only Hurt Your Score02:48 FICO Built the Fix. Two Lenders Said No03:24 What Klarna and Afterpay Said Out Loud05:02 Pay on Time and Get Nothing05:24 How This Blindsides Your Business07:52 Fact 1. On-Time Payments Don't Report08:52 Fact 2. You Lost Your Dispute Rights09:56 Fact 3. Nobody Can See the Real Exposure11:04 When BNPL Debt Shows Up It's a Collection12:10 How to Fight a BNPL Collection12:50 Three Questions to Ask Before You Quote a Timeline15:08 The Switch Is Coming. Use the Window Now16:20 Final ThoughtsAdditional Resources:Get a free trial to Credit Repair CloudGet my free credit repair training How to Remove Charge-Offs and Collections (The Real Difference Between Them)Make sure to subscribe so you stay up to date with our latest episodes.

Here is what mattered in powersports this week, and what each story means for your store.At BMW, the motorcycle side just out-earned the car side. The bikes made about 230 million euros in profit in the first half of the year. The car side saw profit fall 45%. And here is the part to chew on. Motorrad sold slightly fewer bikes and still made more money on each one. Less discounting. A richer mix. Tighter inventory. The same discipline we have heard from Harley and Polaris.That theme runs through the whole week. The best used dealers are the ones who turn fast instead of holding out for every last dollar. And the dealers who keep saying yes to buyers are the ones with a deep lender bench, because credit scores on new loans are slipping.This week's rundown:BMW Motorrad profit up 8.5% while the car side fell 45%. Why fewer units and more profit is the healthy trick, and what to tell a customer on the fence.Suzuki's first wave of 2027 bikes. The new SV7GX sport crossover at about $8,600, 40th anniversary GSX-R1000s, and refreshed RM-Z dirt bikes. Three different buyers from one announcement.Why Suzuki's reservation program is smart. It tells you which buyers are serious.Kawasaki recalls about 3,500 supercharged Teryx H2 side-by-sides. A drive part can break and throw metal. Stop riding, free fix, and a reason to get your best customers back in the service drive.Club BRP drew more than 4,100 dealers from 81 countries. The new Responsible Rider Masterclass is free safety training, and free safety training is free customer retention.Dealer of the Year went to Sheridan Powersports for Can-Am and RideNow Chandler for Sea-Doo.Honda opened its 2027 National Technician Contest. $8,000 and a shot at Team USA. Why a tech who feels seen is a tech who stays.Used prices are running about 10% higher than last year. Trade equity is real, and it is rocket fuel for a new deal.Take every trade, no matter the badge. A Honda store should still appraise the Polaris that rolls in. Wholesale what you do not want to keep.One caution on used. Inventory is still high, and if the brands pile on new unit discounts, used values can drift down later.Credit scores on new auto loans fell from 723 to 716. More buyers under 580. Why a thin lender bench is how good customers walk out.Watch on YouTube: https://youtube.com/@dealershipfixitConnect with Jacob: https://www.linkedin.com/in/jacob-b-berry/Follow the Fixit Online: https://linktr.ee/dealershipfixitMotoHunt for Dealers: https://dealers.motohunt.comSponsor: https://ziidms.com/fixit

In this episode of Financial Clarity for Doctors, hosts Corey Janoff and Rachelle Vanderzanden discuss the pros and cons of buying versus leasing a car.  You make think the answer is clear, but just like with everything in financial planning, it depends! Considerations discussed in this episode include: Total out of pocket expenses and monthly costs of owning and leasing. Changing technology in different sectors of the car market. Personal considerations including how long you may own a car, how much you may drive, and whether your needs may change over time. Owning a depreciating asset. It may seem that buying is automatically the best option.  You will likely pay less long-term if you purchase a car and keep it for a long time, ending up with an asset (even if it has depreciated in value) and no monthly payment.  But that may not fit your situation!  Listen to the full episode to hear more. For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC.  Finity Group, LLC is a separate entity from LPL Financial.  Finity Group and LPL Financial do not provide legal advice or tax services.  Please consult your legal advisor or tax advisor regarding your specific situation. This material is for general information and educational purposes only and is not intended to provide specific advice or recommendations for any individual. Finity Group and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation.   Citations: Auto Lease Calculator (citing Edmunds/Experian Q1 2026 data).  Auto Lease Calculator 2026.  https://caraffordcalc.com/tools/auto-lease-calculator/   “The Average Car Payment Just Hit a Record $777 a Month.  That's Not Even the Whole Bill.”  Flexcar (citing Edmunds Q2 2026 data).  July 20, 2026.  https://www.flexcar.com/blog/the-average-car-payment-just-hit-a-record   Brozic, Jennifer.  “Average Car Payment in 2026.”  Experian. July 14, 2026.  https://www.experian.com/blogs/ask-experian/average-car-payment/   Fitzpatrick, Mark.  “Do I Need Gap Insurance on a Used Car in 2026?”  MoneyGeek.  September 1, 2026.  https://www.moneygeek.com/insurance/auto/do-i-need-gap-insurance-on-a-used-car/   Fitzpatrick, Mark.  “What Is Gap Insurance?”  MoneyGeek.  February 25, 2026.  https://www.moneygeek.com/insurance/auto/what-is-gap-insurance/   Gunara, Maggie.  “Average Car Payment and Auto Loan Statistics: 2026.”  LendingTree.  June 23, 2026.  https://www.lendingtree.com/auto/debt-statistics/   Henry, Jim and Ryan Maxin.  “Average Auto Loan Rates in September 2026.”  U.S. News.  September 8, 2026. https://cars.usnews.com/cars-trucks/advice/average-auto-loan-interest-rates   Howard, Brittany.  “Average auto loan interest rates by credit score in 2026.”  Yahoo Finance (citing Experian Q1 2026 data). July 31, 2026.  https://finance.yahoo.com/news/average-car-loan-interest-rates-212521067.html   Howard, Brittany.  “Auto Loan Rates & Financing in 2026.”  Bankrate.  https://www.bankrate.com/loans/auto-loans/rates/   Lacagnina, Christine.  “What Is Gap Insurance? 2026 Cost & How It Works.”  InsuredBetter.  June 10, 2026. https://www.insuredbetter.com/car-insurance/auto-coverage-types/gap/   Luthi, Beth.  “Average Car Loan Interest Rates by Credit Score.”  Experian.   July 13, 2026.  https://www.experian.com/blogs/ask-experian/average-car-loan-interest-rates-by-credit-score/   Luthi, Beth.  “The Latest Used Car Loan Interest Rates for 2026.”  Experian. July 14, 2026.  https://www.experian.com/blogs/ask-experian/used-car-loan-rates/   Luthi, Beth.  “Auto Loan Rates and Financing for 2026.”  Experian.  July 13, 2026.  https://www.experian.com/blogs/ask-experian/auto-loan-rates-financing/   S&P Global Mobility (press release).  “U.S. Vehicle Age Rises Again to 12.8 Years in 2025.”  S&P Global.  May 21, 2025.  https://press.spglobal.com/2025-05-21-U-S-Vehicle-Age-Rises-Again-to-12-8-Years-in-2025,-According-to-S-P-Global-Mobility   Tretina, Kat.  “Average cost of gap insurance in 2026.”  Insure.com.  June 5, 2026.  https://www.insure.com/car-insurance/gap-insurance-cost/

Private mortgage insurers say they are operationally and financially prepared for the transition to VantageScore 4.0, but lenders will need to ensure their systems correctly identify and transmit the new credit-score model, while uncertainty around FHFA's potential move away from tri-merge credit reporting and other informal policy changes is creating stress and uncertainty across the GSE mortgage ecosystem. Robbie interviews UWM's Mat Ishbia on UWM's growth, the expansion of the mortgage broker channel, recent financial performance, future plans, key challenges, and how the company defines success. And Treasuries appear technically oversold after strong auction demand but remain vulnerable as investors question how much support Treasury buybacks can provide, while the broad MBS basis widening signals deeper market dislocation and growing concern over mortgage valuations, Treasury supply, and the U.S. fiscal outlook.This week's podcasts are sponsored by NFTYDoor, the white-label HELOC platform for banks, credit unions, and  brokers. Close in zero days with warehouse funding. Power your home equity lending with NFTYDoor.Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

What does your credit score really say about you? And more importantly, how can a few smart moves help you improve it? If you're unhappy about your current score and looking for some ways to boost it a bit, or even a lot, keep listening because in this tip, we're sharing some key things you can do to get that score you've always wanted.   Links: Get a free report at annualcreditreport.com Learn more about how to access your Better Checking account Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  With interest rates still higher than many people have become used to over the last decade, your credit score can have a bigger impact on your wallet than ever before. Whether you're applying for a credit card, financing a vehicle, buying a home, or looking for a home equity loan, your credit score plays a major role in the rates and terms you receive.  The good news? Even small improvements to your score can make a difference.  Most credit scores range from 300 to 850. Generally speaking, a score of 670 or higher is considered good, 740 and above is very good, and 800-plus is excellent.  So, if your score could use a little help, here are five practical ways to start moving it in the right direction.  Tip number one: Give your credit a breather. Every time you apply for new credit, a hard inquiry may appear on your report. One application won't do much damage, but several in a short period can. If you're not actively shopping for a loan, consider pressing pause on new credit applications.  Tip number two: Make every payment on time. This remains the single most important factor affecting most credit scores. If remembering due dates is a challenge, set up automatic payments or reminders. Even one missed payment can have a lasting impact.  Tip number three: Lower your credit utilization. In simple terms, that's how much of your available credit you're using. If your cards are close to their limits, try paying down balances. Many financial experts recommend keeping utilization below 30%, and even lower is better.  Tip number four: Build credit strategically. If you're new to credit or rebuilding after a setback, a secured credit card or credit-builder loan may help. These tools can demonstrate responsible borrowing habits and gradually strengthen your credit profile.  Tip number five: Think carefully before closing old accounts. It may seem like closing unused cards is always a good idea, but older accounts can help establish a longer credit history. If a card has no annual fee and isn't causing problems, keeping it open may actually benefit your score.  One more quick reminder: Regularly review your credit report for errors. Incorrect information happens more often than people realize, and identifying an issue early can save time and frustration. Check out annualcreditreport.com for a free credit report or if you have a Better Checking account you have automatic access to a free credit report every 90 days. Just log into your Better checking app to take a look.   Building a stronger credit score doesn't happen overnight, but consistent habits can lead to meaningful results. Focus on paying on time, managing balances wisely, and being intentional about new credit.  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.           Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

P.M. Edition for Sept. 4. The U.S. added a whopping 162,000 jobs last month, far better than economists expected. We hear from Journal markets reporter Jack Pitcher about what investors are betting that means for the Fed. Plus, we talk to Siobhan Hughes, who covers Congress, about the reaction to her reporting on how John Fetterman has shown little interest in the duties of a U.S. senator. And federal regulators say they have opened a probe into Tesla's Cybercab, a day after it hit the streets of Austin. Reporters Ryan Felton and Becky Peterson weigh in on what the probe means for Elon Musk's company. Alex Ossola hosts. Behind Closed Doors, John Fetterman Shows Little Interest in the Work of a Senator Sign up for the WSJ's free What's News newsletter. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, Michelle Martinez shares insights into her tenant and employment screening business, discussing how technology, market shifts, and strategic growth shape her company's success. Discover practical tips for leveraging automation, building networks, and scaling in the real estate industry.     Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Shams Blanc, head of auto scores at FICO, made another appearance on the Auto Remarketing Podcast to elaborate more about the fall edition of the FICO Score Credit Insights report. Along with recapping what's going on in auto finance, Blanc also touched on how other parts of the credit market like student loans are impacting consumers.

On this episode of Bounced From The Roadhouse:Special Guests in 4B: YFS - Jeremy LeLaCheurHow The Heck Ya Been BJ?Credit ScoreTexting And Walking I'd rather text and drive Stupid CriminalDays of ThunderDollyFestPizza For Insecure That's a Great QuestionFloating Island I lost a pair of shorts YFSQuestions? Comments? Leave us a message! 605-343-6161Don't forget to subscribe, leave us a review and some stars Hosted on Acast. See acast.com/privacy for more information.

Hello, and welcome back to Cash Flow Conversations, a podcast series sponsored by Nova Credit. If you've followed my work, you'll know that I'm obsessed with cash flow data because it has enormous potential to positively reshape consumer lending in the U.S. Cash Flow Conversations tracks that shift, from theory to practical use across the lending lifecycle. In Episode 7, I'm joined by Juan Hernandez, who leads underwriting and credit policy across Block and started his career as a data scientist at FICO, to explore how traditional credit scores became detached from what they were designed to measure. From there we get into the Cash App Score, the internal model Block built entirely on first-party data. Juan walks us through how Block's Borrow model without credit report data performed just as well in statistical validation and delivered higher approvals and conversion with lower losses in an A/B test. We talk about what it means to show that score to millions of customers directly inside the app, and why Juan thinks adverse action notices are the wrong model for how lenders should talk to the people they're evaluating. Finally, we get into what it takes for a score like this to work outside of Block's own ecosystem: the partnership with Nova Credit, the question of whether Block becomes a credit reporting agency in its own right, and why Juan thinks the biggest obstacle to alternative data taking over isn't the technology at all. It's convincing the people who fund loans that a new set of numbers can be trusted the way FICO has been trusted for decades. At its heart, this episode is about turning better underwriting from an internal lender capability into something customers can see, control, and carry into the broader market. I hope you enjoy the conversation as much as I enjoyed having it! --- This episode is brought to you by Nova Credit in collaboration with Block. Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly by harnessing consumer credit data. Learn more at novacredit.com. --- Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday, Wednesday, and Friday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. --- Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson Follow Juan: https://www.linkedin.com/in/juan-hernandez-025a5532/  Learn more about Nova Credit here.

Richie Rule, owner of Smart One Property Management in Huntington Beach, shares insights on managing property management in California's highly regulated environment, building a local family business, and scaling strategies.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

¿Sabías que podrías comprar una casa en Estados Unidos sin tener Credit Score, historial de crédito en EE.UU. o incluso ingresos generados aquí?Muchos compradores internacionales creen que invertir o comprar una propiedad en Estados Unidos es casi imposible, pero existen opciones de financiamiento diseñadas para extranjeros.En este clip de nuestra entrevista con Valeria Laberde hablamos sobre alternativas para compradores internacionales, inversionistas extranjeros y personas que desean comprar casa en Estados Unidos aunque no tengan historial de crédito en el país.

Relebogile Mabotja speaks to Richard Eberlein, executive for Growth and Engagement at Weaver Fintech, about rethinking creditworthiness in the age of the gig economy, exploring whether South Africa’s credit system is keeping up with the realities of how we earn, spend, and manage money today. Broadcaster veteran Relebogile Mabotja brings a fresh, relaxed take on the issues of the day, alongside lifestyle talk and all things entertainment. Thanks for listening. Catch the Afternoons with Relebogile Mabotja live on 702 weekdays from 1 pm to 3 pm (SA time). Find more from the show and catch-up podcasts on the Primedia+ app https://buff.ly/gk3y0Kj Subscribe to the 702 newsletters for more https://buff.ly/v5mfetc Let’s keep the conversation going online: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

Student loan changes just hit millions of borrowers, and most have no idea their credit is about to take a hit. Here's the September 30 deadline that decides how bad it gets, and where credit repair pros come in. Join Our FREE Start Repairing Credit Challenge: HERE On July 1, 2026, a new law rewrote the federal student loan system. The SAVE plan is dead and a couple of older income-based plans are being phased out. New monthly payments nobody budgeted for are rolling out, and collections are set to switch back on. Most borrowers have no clue any of this happened, so the damage lands on their credit reports before they ever get a letter. Daniel Rosen walks through the reporting errors that show up every time the loan world reshuffles, and the one date that saves people real money: set up autopay by September 30 to lock in an interest cut of up to one percent through mid-2028. Whether you started your credit repair business last week or you've been doing this for years, this is the moment to be the expert people turn to when the system stops making sense. Tune in!  P.S. Join the #1 event to grow your credit repair business: http://creditrepairexpo.com/   Key Takeaways: 00:00 Intro 01:20 What the New Law Actually Changed. Plain English 03:08 Confusion Is the Point. And It Always Lands on the Credit Report 04:44 Where the Errors Get Made. Plan Transfers and Servicer Switches 05:16 How Fast a Federal Loan Goes Into Default 06:08 The Date That Can Save Your Clients Real Money. September 30th 06:42 Step 1. Find Out Who You Owe 07:08 Step 2. Check If a Payment Date Is Already Active 07:30 Step 3. Turn On Autopay Before September 30th 08:06 Be the Person Who Shows Up When It Gets Confusing 09:08 Final Thoughts 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.

“อยากกู้ซื้อบ้านในอนาคต ต้องรีบสร้างเครดิตไว้ก่อน” จริงหรือ? หลายคนอาจเคยได้ยินว่า ถ้าอยากกู้บ้าน กู้รถ หรือขอสินเชื่อในอนาคต ควรรีบมีบัตรเครดิตและสร้างประวัติการชำระหนี้เอาไว้ก่อน แต่ความเชื่อนี้อาจทำให้บางคนเดินเข้าสู่ “กับดักการสร้างหนี้” โดยไม่รู้ตัว ใน The Money Coach Podcast ตอนนี้ เราจะพาไปดูเคสน้องวัย 28 ปี รายได้ 13,000 บาท ที่มีความตั้งใจอยากสร้างเครดิต แต่สุดท้ายกลับต้องเข้าสู่วงจร “จ่ายบัตร แล้วกดออกมาใช้ใหม่” จนตัวเลขการเงินติดลบทุกเดือน เราจะไปทำความเข้าใจกันว่า “ประวัติชำระหนี้” กับ “เครดิตสกอร์” ไม่ใช่เรื่องเดียวกัน และอะไรบ้างที่ส่งผลต่อภาพรวมเครดิตของเรา ในตอนนี้ โค้ชหนุ่ม และ น้ำ Finance จะชวนมาดูตั้งแต่ • จำเป็นไหมที่ต้องมีบัตรเครดิตเพื่อ “ปั้นเครดิต”? • เครดิตสกอร์ ดูอะไร และต่างจากประวัติชำระหนี้อย่างไร? • ทำไมแค่การจ่ายตรงเวลา ไม่ได้แปลว่าการเงินของเราดี? • การใช้วงเงินเยอะหรือจ่ายขั้นต่ำ ส่งผลต่อเครดิตอย่างไร? • ทำไมการยื่นขอสินเชื่อหลายแห่งพร้อมกันอาจไม่ใช่เรื่องดี? • และถ้าตอนนี้กำลังอยู่ในวงจร “จ่ายแล้วกดใหม่” ควรเริ่มแก้จากตรงไหน? อีกหนึ่งบทเรียนสำคัญจากเคสนี้คือ “อย่าใช้เครดิตของตัวเองไปสร้างหนี้ให้คนอื่น” แม้จะเป็นคนในครอบครัว เพราะเมื่อชื่อเราอยู่บนสัญญา หนี้และผลกระทบต่อเครดิตก็เป็นความรับผิดชอบของเรา เพราะการมีประวัติเครดิตที่ดี ไม่ได้เกิดจากการ “มีหนี้เยอะ” แต่เกิดจากการ “บริหารหนี้อย่างมีวินัย และไม่สร้างภาระเกินกำลังของตัวเอง” ก่อนจะสร้างเครดิต ลองถามตัวเองก่อนว่า… เรากำลังสร้างเครดิต หรือกำลังสร้างหนี้กันแน่? #TheMoneyCoachPodcast #TheMoneyCoachTH

Visit the webpage to join our growing communitywww.podpage.com/the-3-13-men-money-and-marriageSummaryThis episode explores the hidden costs of financial hardship, including high-interest loans, living in underserved neighborhoods, and the systemic barriers that keep the poor in a cycle of poverty. Guest Greg shares insights on how systemic predatory practices impact everyday lives and offers practical advice for building financial resilience.keywordspoverty, financial system, predatory loans, systemic barriers, financial literacy, wealth building, economic inequality, credit scores, poverty premium, financial habitsKey topicsThe real cost of being broke and systemic barriersHigh-interest payday loans and their impactThe poverty premium in grocery and housing costsThe importance of building savings and financial habitsSystemic predatory practices in finance and bankingThe impact of credit scores on financial opportunitiesStrategies for building short-term liquidityThe importance of financial literacy and responsibilityLiving without a checking account can cost over $1,000 a year in fees.Payday loans can have an APR over 500, leading to debt cycles.Grocery prices in poor neighborhoods are often higher due to logistical issues.Building small savings habits can help escape financial traps.Predatory lenders charge exorbitant interest rates, trapping borrowers.Improving credit scores reduces the cost of loans and insurance.Small, consistent savings can build emergency funds over time.Financial literacy and responsibility are key to breaking systemic cycles."The real cost of being broke is often hidden.""The interest compounds while you sleep.""You have to develop the habit of saving."Chapters00:00 Introduction to the Hidden Costs of Poverty02:00 The Impact of High-Interest Payday Loans02:54 The Cost of Living Without a Checking Account 04:11 Systemic Barriers in Grocery and Housing Costs05:11 Greg Shares Personal Experience with Predatory Lending06:03 The Role of Credit Scores in Financial Disadvantage07:58 Other Areas Where Poverty Premium Is Felt08:55 Building Short-Term Liquidity and Savings11:08 Policy Changes to Reduce Predatory Lending17:08 Mindset Shift for Financial Responsibility

Your credit score can make or break your ability to buy a house, rent an apartment, or even land a job, but do you actually know how that three-digit number gets calculated? Vivian breaks down the wild, biased history of credit scoring and gives you the real playbook for building, or rebuilding, a great score.  In this episode, Vivian covers: 1. The history of credit scores, from Mesopotamian debt tablets, to the 1841 Mercantile Agency, to the birth of FICO in 1956, to the anti-discrimination laws that (kind of) fixed things 2. How to actually build credit, secured credit cards, credit-builder loans, rent and utility reporting, becoming an authorized user, and the five factors FICO uses to calculate your score 3. The system's blind spots, and what to do if your score takes an unexpected hit Interested in checking your credit score? Head to https://www.annualcreditreport.com Follow the podcast on Instagram and TikTok! Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Credit repair business growth, the student loan dispute wave, and the fastest score win you can put on a client's report. Daniel Rosen breaks down three shifts happening in the 2026 credit market and the exact move to make on each. Join Our FREE Start Repairing Credit Challenge: HERE The national average FICO score has fallen for the second year in a row, and Daniel walks through what that really means for Credit Heroes. First, the student loan wave: reporting has resumed, more than 9 million borrowers fell past-due, and a lot of that reporting is messy with wrong dates, wrong balances, and wrong status you can dispute with specifics. Second, the quick-win fix on utilization. Daniel explains why paying a card down before the statement closing date, not the due date, can move a score on the very next update. It's the fast result that earns a skeptical client's trust in week one. Third, the build play most Credit Heroes are sleeping on. Gen Z is opening credit earlier with thin files and nothing to dispute, so what they need is credit building through secured cards, credit-builder loans, authorized user status, and reporting rent. It's a different service for a different customer, and a whole audience competitors are ignoring. Tune in!  P.S. Join the #1 event to grow your credit repair business: http://creditrepairexpo.com/   Key Takeaways: 00:00 Intro 01:30 The State of Credit in America Right Now 02:42 The Numbers Behind the Drop and What They Mean 04:36 Opportunity 1. The Student Loan Wave. Your Dispute Play 06:00 How to Identify and Dispute Messy Student Loan Reporting 06:36 Opportunity 2. Rising Balances. Your Quick Win Fix 07:20 Pay Before the Statement Date. Not the Due Date 08:04 Opportunity 3. Gen Z Thin Files. Your Build Play 09:04 Dispute. Fix. Build. Three Problems Three Moves 09:48 Final Thoughts Additional Resources: Get a free trial to Credit Repair Cloud Get my free credit repair training   How to Build Credit From Scratch in 2026 (The Service Your Business Is Missing) Make sure to subscribe so you stay up to date with our latest episodes.

You could hand two people a million dollars and one of them would be broke again within a year. The other builds a legacy. The difference has nothing to do with luck. Anthony O'Neal, author of Stop Living Paycheck to Paycheck, walks through the five phases that took him from borrowing money for car speakers to building a real estate portfolio he pays for in cash. He breaks down why 48% of people earning over $250,000 are still living check to check, and why your credit score might be lying to you about your actual wealth. This conversation gets honest fast. You'll hear what it actually felt like to write a will in your 30s, why his family assumed something was wrong the moment he brought it up, and the real reason his bank account resets to zero every few months even now. There's a moment near the end where Anthony explains the difference between being rich and being free, and it will change how you think about your next raise. You'll walk away with a completely different definition of what winning with money actually looks like. AO on Instagram AO on YouTube Pre-Order AO's New Book: Stop Living Paycheck To Paycheck Take Your Seat at the Table: Live an Authentic Life of Abundance, Wellness, and Freedom Debt-Free Degree: The Step-by-Step Guide to Getting Your Kid Through College Without Student Loans Destroy Your Student Loan Debt: The Step-by-Step Plan to Pay Off Your Student Loans Faster The Graduate Survival Guide: 5 Mistakes You Can't Afford To Make In College In this episode you will: Discover the five-phase strategy for breaking the paycheck to paycheck cycle for good Learn why your credit score can quietly work against you and what to check instead Uncover the psychological reasons you overspend even when the money isn't there Build a system for merging finances with a spouse without losing your freedom Understand the real difference between looking wealthy and actually being wealthy For more information go to https://lewishowes.com/1968 More SOG episodes we think you'll love! Get More From Lewis! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Canadian Investing in the U.S., Glen speaks with Steve Harmer, president of FrontLobby, about how rent reporting and tenant screening can help landlords reduce risk while helping responsible tenants build their credit history. Steve explains how rental payments can be reported to major credit bureaus in both Canada and the United States, including Equifax, TransUnion and Experian depending on the country. Because rent is often a tenant's largest monthly financial obligation, reporting on-time payments can help establish or strengthen a tenant's credit profile. Steve also discusses a study conducted with Equifax Canada that found some participants experienced credit-score increases in the range of 40–80 points during their first six months, although the impact varies significantly depending on each tenant's existing credit history. The conversation also explores how landlords can use rent reporting as part of their tenant-screening and rent-collection strategy. Steve explains how landlords can screen applicants using credit reports, background checks and identity verification, while rental-payment history can provide additional insight into how applicants have handled previous leases. They also discuss reporting late or unpaid rent, obtaining tenant consent for positive reporting, reporting former tenant debt, and how small landlords can implement the system with only a few rental properties. Ultimately, the episode shows how rent reporting can create accountability for tenants while rewarding those who consistently pay on time, potentially creating a more balanced relationship between landlords and renters.

Dave Crosland and Scott McNally are back to answer your bodybuilding and PED questions! We break down a new study comparing trenbolone users to steroid users who don't use tren and discuss what it may tell us about the long-term health risks of running tren, including the idea of using it year-round. Then we answer your questions on combining tren and Deca, DHB vs tren, TRT, Dianabol, chest training, cardiovascular health, and much more. ⏱️ TIMESTAMPS 0:00 Should You Run Tren & Deca Together? 1:00 Welcome Back to DNS 1:40 Technical Difficulties! 3:10 New Trenbolone Health Study 9:20 Is Year-Round Tren Ever Worth It? 14:30 Fear of Coming Off Cycle & Losing Gains 19:10 Staying On During the Diet Rebound 23:25 Low Hematocrit in Endurance Athletes 26:00 Can Dianabol Replace Testosterone? 29:30 TRT While Serving in the Military 33:25 Tren + Deca: Pros & Cons 41:00 How to Bring Up a Weak Chest 55:00 Higher Dose One Compound vs Lower Doses of Many 58:20 Testosterone Propionate & Estrogen 59:40 Dave & Scott Quit the Podcast...? 1:02:45 Uncle Dave's Advice 1:14:45 Left Ventricular Hypertrophy in Bodybuilding 1:17:35 DHB vs Trenbolone 1:19:00 Credit Scores & Final Thoughts UK Blood Work Get your Labs done by Dave in the UK : https://evalbloodanalysis.com/home/ Support the Podcast Patreon — Help keep the show growing. Even $5/month makes a difference. https://www.patreon.com/thinkbigbodybuilding Sponsors TRUE NUTRITION — Custom supplements for serious lifters Use code THINK to save https://www.truenutrition.com/THINK STROM SPORTS — Performance supplements trusted by athletes UK: https://tinyurl.com/ydmbfa54 US: https://stromsportsus.com Supplement Source Canada — Top brand supplements with fast shipping http://www.supplementsource.ca Merch Official THINK BIG Merch — Train, represent, support the brand https://think-big.printify.me/products

Farnoosh recaps a webinar on navigating money conversations with loved ones, then dives into the week's financial news: the Fed holding rates steady, what Apple and Microsoft earnings mean for your index funds, and a landlord's "work from home fee." Then, she tackles two big listener questions: how to find and pay for a financial planner (flat fee vs. retainer vs. AUM, and what "fee-only" really means), and why a perfect credit score doesn't guarantee you the lowest mortgage rate. Learn more about Farnoosh's upcoming literary workshop Book to Brand. Early bird registration is now open! Hosted on Acast. See acast.com/privacy for more information.

Get social with me: Instagram: @whitney_hansen_co Tiktok: @whitneyhansen10 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Every few seconds, another American becomes a victim of identity theft. But what most parents don't realize is that their children are often the biggest targets.  In this episode, we explain why kids are so vulnerable and share simple, free steps you can take in just one afternoon to help protect your family's financial future. If you're serious about stewarding and protecting your household, this conversation is one every dad needs to hear. Links in this Episode https://www.equifax.com/personal/credit-report-services/credit-freeze https://www.irs.gov/identity-theft-fraud-scams/get-an-identity-protection-pin https://www.annualcreditreport.com https://www.optoutprescreen.com https://www.identitytheft.gov AW Bootcamp: Aug 21-23 https://abrahamswallet.com/retreat/ Please partner with us in inspiring and equipping multi-gen families at https://abrahamswallet.com/support AW website Apple Podcasts Spotify YouTube Facebook LinkedIn Instagram Chapters (00:00:00) - Abraham's Wallet(00:00:57) - Heads Up, Texas: Heat Is Coming(00:04:20) - Protect Your Family's Name From Identity Theft(00:07:15) - Are We Ready for Identity Fraud?(00:08:58) - Free Ways to Lock Up Your Credit(00:15:28) - Credit Cards and Your Score(00:22:05) - Credit Score and Credit Cards(00:23:03) - 3 Ways to Lock Down Your Accounts(00:28:14) - 3 Ways to Protect Yourself From(00:31:30) - How to Lock Down Your Credit(00:37:10) - Identity Theft and How to Prevent It

Why are some Americans building exceptional credit while others are falling further behind? Our latest “Henssler Money Talks” podcast explores the growing credit divide and what it reveals about today's K-shaped economy. In this companion article, we go a step further—explaining what builds a strong credit score, why it matters, and how it can affect everything from borrowing costs to future financial opportunities.Original Air Date: July 25, 2026Read the Article: https://www.henssler.com/one-economy-two-credit-realities 

In this episode, Kristi Nowrouzi shares insights on leveraging your sphere for business growth, the power of asking for referrals, and strategies for using home equity lines of credit to improve financial stability and invest in real estate.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

One episode packed with everything from debt payoff psychology to investing for a special needs child. 

What does it really take to get approved for six and seven figures in business credit - and what happens when life throws you off a cliff, literally? In this episode of The A Game Podcast, host Nick Lamagna sits down with Merrill Chandler, founder of Get Fundable Solutions and one of the only non-FICO employees with direct insider access to how FICO's underwriting algorithms actually work. Merrill survived a horrifying motorcycle accident - driving off a 70-foot cliff - and lived to tell how the exact business credit strategies he teaches his clients are what saved his business, his finances, and ultimately his life during recovery. This isn't your typical "improve your credit score" conversation. Merrill breaks down why your credit score is nearly irrelevant to loan approval, what lenders and banks are really looking for in 2026, and the 150 "borrower behaviors" FICO's decisioning platform actually measures before a human ever looks at your file. If you're a real estate investor, entrepreneur, or small business owner trying to unlock unsecured business lines of credit, this episode is a masterclass in business credit strategy, fundability, and financial resilience. In this episode, you'll learn: ✅ Why an 800+ credit score does NOT guarantee loan approval - and what actually does ✅ The 3 stages every lender uses to approve or deny you (and why your score only matters in stage one) ✅ How real-time credit reporting and utilization thresholds secretly affect your approval odds ✅ The "statement close date" trick most borrowers get wrong - even if they pay their balance to zero ✅ Why business credit cards like Capital One Spark can silently hurt your personal credit profile ✅ How to build $100K-$1M+ in unsecured business lines of credit that never touch your personal credit   If you're serious about real estate investing, business funding, credit optimization, entrepreneurship, financial freedom, or scaling your business, this episode delivers practical advice you can immediately put to work. Connect with Merrill Chandler: www.chandler360.com/ Merrill Chandler on Instagram Merrill Chandler on Facebook Merrill Chandler on LinkedIn   Connect with Get Fundable: www.getfundable.com Get Fundable on Instagram Get Fundable on Facebook Get Fundable on YouTube Get Fundable on LinkedIn Get Fundable on Twitter Get Fundable on TikTok   Join FREE weekly credit solutions Q&A calls Get your FREE 8 Fatal Funding Landmines guide Get your FREE copy of THE NEW F* WORD book Listen The Fundability™ Podcast on Apple Podcasts   --- Connect with Nick Lamagna www.nicknicknick.com Text Nick (516)540-5733 Connect on ALL Social Media and Podcast Platforms Here FREE Checklist on how to bring more value to your buyers

The financial health of the American consumer is top of mind these days, and no one better to discuss it with than Emmaline Aliff of Equifax and our own consumer maven, Mike Brisson, join the podcast to dig into the evidence. While the consumer sector as a whole remains resilient, the story differs dramatically across the thrivers, the strivers, and the survivors. We also unpack a week full of inflation data with Matt Colyar, who helps us sort through the numbers and their implications for the economic outlook. Guest: Emmaline Aliff, Advisory Leader, Equifax Hosts: Mark Zandi – Chief Economist, Moody's Analytics, Cris deRitis – Deputy Chief Economist, Moody's Analytics, and Marisa DiNatale – Senior Director - Head of Global Forecasting, Moody's Analytics Follow Mark Zandi on 'X' and BlueSky @MarkZandi, Cris deRitis on LinkedIn, and Marisa DiNatale on LinkedIn Questions or Comments, please email us at InsideEconomics@moodys.com. We would love to hear from you. To stay informed and follow the insights of Moody's Analytics economists, visit Economic View. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Check out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

A strong personal credit score is not enough. Your business has to look fundable too. In this episode of The Level Up Podcast, Paul Alex breaks down what the credit score does not tell you and why business underwriting can make or break your ability to secure capital. Let's be real… You can have perfect personal credit… But if your business has no clean financial structure… No corporate credit profile… No organized books… And no banking relationships… You are going to struggle when it is time to scale. In this episode, you'll learn: Why personal credit and business credit are not the same thing How mixing personal and business finances can hurt your borrowing power Why corporate credit should be built before you need funding How strong financial structure creates more leverage, protection, and runway The truth is simple: Banks do not just care about your personal FICO score. They look at the business. The tax returns. The revenue history. The structure. The banking behavior. The separation between you and the company. High-level operators do not wait until they need money to start looking fundable. They build the profile early. They separate the finances. They create clean books. They establish relationships with lenders. And they make the business attractive before the opportunity appears. Because capital flows to organized systems. Build the corporate profile. Protect your borrowing power. Secure the leverage. And keep leveling up. Your Network is your NETWORTH! Make sure to add me on all SOCIAL MEDIA PLATFORMS: Instagram: https://jo.my/paulalex2024Facebook: https://jo.my/fbpaulalex2024YouTube: https://www.youtube.com/channel/UCGhDAD1JyGGzSQUPD9lc9HQLinkedIn: https://jo.my/inpaulalex2024 Looking for a secondary source of income or want to become an entrepreneur? Check out one of my companies below to see if we can help you: www.CashSwipe.com FREE Copy of my book “Blue to Digital Gold - The New American Dream”www.officialPaulAlex.com Learn more about your ad choices. Visit megaphone.fm/adchoices

What if the person inspiring the room didn't come from a polished finance background at all, but from payday loans, being unbanked, a credit score in the 500s, and the kind of rock bottom most FI stories rarely admit out loud? In this on-location episode from Madison, WI, Jackie sits down with Afra Smith, founder of The Melanin Project and creator of the Wealth Empowerment Conference, for a conversation that is as honest as it gets. She's a late-starter and shares how depression, financial chaos, and a painful career setback forced her to finally confront what wasn't working. She shares how one financial coach, one budget, and one decision to stop waiting for someone else to rescue her changed the direction of her life. From there, she built something much bigger than a comeback story. It's now a growing movement centered on financial wellness, lived experience, and giving people the tools to rebuild from where they actually are. Her raw truth is proof that your hardest chapter does not have to be your final one. This episode covers:  Afra's journey from payday loans, ChexSystems, and depression to financial stability The career disappointment that became her wake-up call How one financial coach and a basic budget started her turnaround Why financial struggles in underserved communities are often deeper than "just spend less" The origin of The Melanin Project and the Wealth Empowerment Conference  Why lived experience and emotional honesty matter in financial education  The link between mental health, physical health, and wealth-building How Afra built a meaningful community event while still working a full-time job Why consumption habits and appearances can distort how we judge wealth and value  What it looks like to turn pain into service and purpose . === SUPPORT  THE  SHOW ===

Click Here for the Show Notes Your credit score plays a bigger role in your financial life than many people realize. From securing better mortgage and auto loan rates to qualifying for rentals and other financing opportunities, strong credit can open doors and save you money. In this episode, we break down what a credit score is, how your credit profile works, and the key steps you can take to build, improve, and protect your credit over time. You'll also hear practical tips and a few quick-win strategies that could help boost your credit score sooner than expected. If you're looking to strengthen your financial foundation and unlock better borrowing opportunities, this is an episode worth listening to all the way through. Tune in now to learn how to take control of your credit, make smarter financial decisions, and set yourself up for long-term success. Don't forget to subscribe, share this episode with someone who could benefit from improving their credit. -------------------------------- Throwback Thursday Episode (The episode originally took place in the year 2022) This episode is part of our Throwback Series and may include references to older content such as web classes, events, promotions, or links that are no longer active or available. While the conversation and insights still hold value, please note that some information may be outdated. -------------------------------- If you missed our last episode, be sure to listen to TBT: The Small and Mighty Real Estate Investor Download your FREE copy of:  The Ultimate Guide to Passive Real Estate Investing. See our available Turnkey Cash-Flow Rental Properties. Our team of Investment Counselors has much more inventory available than what you see on our website.  Contact us today for more deals.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviews Bruce Marks. CEO of NACA – America's Best Mortgage Program. The incredible NACA mortgage allows NACA Members to purchase their homes with the following: Below is a structured summary of the Bruce Marks interview with Rushion McDonald on Money Making Conversations Masterclass, based entirely on the interview transcript you provided. All points and quotes are drawn from that source. Interview Summary Bruce Marks, founder and CEO of NACA (Neighborhood Assistance Corporation of America), joins Rushion McDonald to discuss his four-decade mission to make affordable homeownership accessible to working families, particularly those historically excluded from the housing market. Marks explains how NACA fights predatory lending while simultaneously offering what he calls “the best mortgage in America”—characterized by no down payment, no closing costs, no fees, low fixed interest rates, and no reliance on credit scores. The conversation highlights NACA’s innovative programs, including converting Section 8 housing vouchers into mortgage payments, the $1 Homeownership Program for vacant properties, and large-scale, community-based homebuying events that process thousands of families in days rather than months. Marks frames homeownership as a tool for wealth-building, community stability, crime reduction, and racial equity. Purpose of the Interview The purpose of the interview is threefold: Educate listeners about alternative paths to homeownership that defy traditional mortgage industry norms. Challenge myths about credit scores, Section 8 recipients, and affordability. Promote NACA’s model as a scalable, nationwide solution to the housing affordability crisis and racial wealth gap. Key Takeaways 1. NACA’s Mortgage Model Is Radically Different No down payment No closing costs or fees Below-market, fixed interest rates Credit scores are not used; lending is based on payment history and financial behavior. 2. Predatory Lending Targets Vulnerable Communities Marks defines predatory lending as mortgages “structured to fail”, citing the 2008 housing crisis as a direct result of unaffordable loan structures that later doubled or tripled payments. 3. Section 8 as a Pathway to Ownership and Wealth NACA enables families to apply their Section 8 Housing Choice Vouchers toward mortgage payments, allowing renters to build equity instead of enriching landlords. Over a 20‑year term, this can result in $200,000–$300,000 in personal wealth. 4. The $1 Homeownership Program Is a Game Changer Cities sell vacant homes or lots to buyers for $1, while NACA finances renovation or new modular construction—cutting costs by eliminating developers and enabling homes to be built for roughly $120,000 total. 5. Scale and Impact Matter NACA operates in all 50 states Newark event drew 25,000+ people over five days Over 75,000 homeowners served Foreclosure rate: 0.00012. Notable Quotes from Bruce Marks “We have the best mortgage in the country.”. “Predatory lending is a mortgage that is structured to fail.”. “What you’re doing is the wealth is now going to the person with a Section 8, not to the landlord.”. “We do character-based lending, never looking at someone’s credit score.”. “Homeownership is a safety issue, it’s an anti-crime issue.” Bottom Line The interview positions Bruce Marks and NACA as disruptors of the traditional mortgage industry, proving that affordability, scale, and advocacy can coexist. The message is clear: homeownership should be a right earned through responsibility and support—not a privilege restricted by wealth, credit scores, or predatory systems.. #BEST #STRAW #SHMS Support the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviews Bruce Marks. CEO of NACA – America's Best Mortgage Program. The incredible NACA mortgage allows NACA Members to purchase their homes with the following: Below is a structured summary of the Bruce Marks interview with Rushion McDonald on Money Making Conversations Masterclass, based entirely on the interview transcript you provided. All points and quotes are drawn from that source. Interview Summary Bruce Marks, founder and CEO of NACA (Neighborhood Assistance Corporation of America), joins Rushion McDonald to discuss his four-decade mission to make affordable homeownership accessible to working families, particularly those historically excluded from the housing market. Marks explains how NACA fights predatory lending while simultaneously offering what he calls “the best mortgage in America”—characterized by no down payment, no closing costs, no fees, low fixed interest rates, and no reliance on credit scores. The conversation highlights NACA’s innovative programs, including converting Section 8 housing vouchers into mortgage payments, the $1 Homeownership Program for vacant properties, and large-scale, community-based homebuying events that process thousands of families in days rather than months. Marks frames homeownership as a tool for wealth-building, community stability, crime reduction, and racial equity. Purpose of the Interview The purpose of the interview is threefold: Educate listeners about alternative paths to homeownership that defy traditional mortgage industry norms. Challenge myths about credit scores, Section 8 recipients, and affordability. Promote NACA’s model as a scalable, nationwide solution to the housing affordability crisis and racial wealth gap. Key Takeaways 1. NACA’s Mortgage Model Is Radically Different No down payment No closing costs or fees Below-market, fixed interest rates Credit scores are not used; lending is based on payment history and financial behavior. 2. Predatory Lending Targets Vulnerable Communities Marks defines predatory lending as mortgages “structured to fail”, citing the 2008 housing crisis as a direct result of unaffordable loan structures that later doubled or tripled payments. 3. Section 8 as a Pathway to Ownership and Wealth NACA enables families to apply their Section 8 Housing Choice Vouchers toward mortgage payments, allowing renters to build equity instead of enriching landlords. Over a 20‑year term, this can result in $200,000–$300,000 in personal wealth. 4. The $1 Homeownership Program Is a Game Changer Cities sell vacant homes or lots to buyers for $1, while NACA finances renovation or new modular construction—cutting costs by eliminating developers and enabling homes to be built for roughly $120,000 total. 5. Scale and Impact Matter NACA operates in all 50 states Newark event drew 25,000+ people over five days Over 75,000 homeowners served Foreclosure rate: 0.00012. Notable Quotes from Bruce Marks “We have the best mortgage in the country.”. “Predatory lending is a mortgage that is structured to fail.”. “What you’re doing is the wealth is now going to the person with a Section 8, not to the landlord.”. “We do character-based lending, never looking at someone’s credit score.”. “Homeownership is a safety issue, it’s an anti-crime issue.” Bottom Line The interview positions Bruce Marks and NACA as disruptors of the traditional mortgage industry, proving that affordability, scale, and advocacy can coexist. The message is clear: homeownership should be a right earned through responsibility and support—not a privilege restricted by wealth, credit scores, or predatory systems.. #BEST #STRAW #SHMS See omnystudio.com/listener for privacy information.