Podcasts about Credit score

Recorded live at MBA Annual25 in Las Vegas, host Rebecca Kritzman, SVP of Experience and Partner Marketing at Equifax, sits down with Emmaline Aliff, Tom Ciulla, and Chris Mock to unpack the biggest themes from Day One — from innovation and data-driven lending to the industry's ongoing dialogue around tri-merge vs. single-bureau credit models.Who are the speakers?Rebecca Kritzman – SVP, Experience & Partner Marketing, EquifaxEmmaline Aliff – Leader, Equifax AdvisorsTom Ciulla – SVP, Enterprise Alliances, EquifaxChris Mock – VP Mortgage Verification Services, EquifaxTogether, they bring perspectives from marketing, data strategy, sales, and economic analysis. What are the major takeaways from MBA Annual25 Day One?Optimism and Energy: Attendees are feeling energized by collaboration and the potential for industry innovation.Tri-Merge vs. Single-Bureau Debate: Executives discussed the implications of recent announcements on credit models and what they mean for lenders and low-to-moderate-income borrowers.Data-Driven Decisions: The Equifax team emphasized how expanded data, tri-bureau perspectives, and new credit indicators help lenders make more responsible, inclusive lending decisions.Balancing Innovation and Safety: Many sessions focused on adopting new technologies without compromising trust or consumer protection.Industry Alignment: Across meetings, Equifax was recognized for leadership in data innovation and responsible lending. Why is innovation such a key theme this year?Rapid regulatory shifts, market uncertainty, and announcements about credit scoring models have pushed lenders to explore new data sources, smarter automation, and more personalized credit insights. The conversation centered on how innovation can serve both lenders and consumers — improving efficiency while promoting fair access to credit.  What challenges did the speakers highlight?The group noted miscommunication and uncertainty around policy changes and data use. They stressed the need for industry education, transparent communication, and data-backed decision-making to reduce fear and misinformation.  What gives them hope about the mortgage market?Every guest emphasized a shared sense of responsibility and care within the industry — a collective commitment to helping people live their financial best through responsible, data-driven lending.  

Recorded live at MBA Annual25 in Las Vegas, host Rebecca Kritzman and guests Ashley Sellers, Elaina McFarland, and Bobby Deery break down what lenders are asking for right now: AI-driven workflow efficiency, expanding use of soft-pull strategies, and dual processing to analyze Vantage Score alongside existing scores. Who are the speakers?Rebecca Kritzman – SVP, Experience & Partner Marketing, EquifaxAshley Sellers – VP, Mortgage Sales, EquifaxElaina McFarland – Leader, Solution Sales Experts (Credit & Verification), EquifaxBobby Deery – SVP, Product, Credit Division, EquifaxTogether, they explore the intersection of innovation, compliance, and customer trust.What were the major insights from Day Two?AI and Automation in Workflows: Lenders are adopting AI to streamline process flows and improve efficiency from application through close.Rising Interest in Dual Processing: Many lenders are testing Vantage Score alongside existing models to compare outcomes and assess portfolio risk.Soft Pull Momentum: Equifax's soft-pull tools are helping lenders pre-qualify borrowers and protect consumers' credit scores, especially under the new trigger law.Voice of the Customer: Product teams are incorporating direct lender feedback to guide new innovations such as income qualify and telco/pay-TV/utility data integrations.Education and Clarity: With rapid industry change — from FICO model updates to 1B vs. 3B credit reporting — customers are asking for clear, data-driven guidance. What challenges did attendees highlight?Widespread uncertainty dominated discussions — from pricing implications and trigger-law timing to confusion around single- vs. tri-bureau models. Customers expressed concern about misinformation and asked for help educating both lenders and consumers on what these changes truly mean.What recommendations did Equifax leaders share?Stand up dual-score processing to compare outcomes between Vantage and FICO models.Collaborate with Equifax product teams to provide feedback that shapes future solutions.Audit your process flows to align products (credit, verification, income qualify) with milestones that deliver the most value.Prioritize education and communication — both internally and with consumers — to navigate market shifts confidently. 

We've all been told that our credit scores matter — but what does that really mean?  A high credit score can open doors. It can help you get a lower interest rate on a car loan, qualify for a mortgage or even make it easier to rent an apartment. But a lower score? It can quietly cost you thousands of dollars in higher interest payments over time — money that could be going towards your savings, your home or your future. MPR News guest host Catharine Richert talks with a financial coach about what determines your credit score, simple steps to improve it and the smart choices that can strengthen your financial health for years to come. Guest:Demitri McGee is a financial coach, certified housing counselor and youth director at Build Wealth Minnesota, a nonprofit opportunity center dedicated to helping families through financial education, personalized coaching and community-based programs.

Steve Rhode — the original Get Out of Debt Guy — and Damon Day — the new Get Out of Debt Guy — break down the real-world pros and cons of accepting a credit-card debt settlement. We explain why banks won't deal early but suddenly send settlement letters before charge-off, how “settled for less than full balance” impacts your credit report, and what the IRS does with forgiven debt (hello, 1099-C). We also demystify IRS Form 982 (insolvency) — when it can eliminate income taxes on canceled debt, and why you might owe taxes once you're no longer insolvent. Plus: timing mistakes to avoid, when bankruptcy may be cleaner than multi-year settlements, and how to build a plan that wins the war—not just one battle.Explore more at https://getoutofdebt.orgGot questions or want a custom game plan? Damon can help: https://damonday.com

No one likes checking their credit score and seeing a hit to the rating - even the Canadian government.Credit rating agencies are bracing for the upcoming November 4th federal budget, and with a lack of fiscal updates since the last federal budget under the Trudeau government, economists aren't quite sure what they should expect when it comes to the deficit.So just how deep could the red ink run? And will the minority federal government receive the backing from any of the opposition parties to get it passed through the House?Host Mike Eppel speaks to Randall Bartlett, Deputy Chief Economist at Desjardins to discuss what former-banker-turned-Prime Minister, Mark Carney, has up his sleeve for the upcoming budget, and what he plans to do about a potentially ominously large deficit. We love feedback at The Big Story, as well as suggestions for future episodes. You can find us:Through email at hello@thebigstorypodcast.ca Or @thebigstoryfpn on Twitter

We hear tons of conversations and reasons for the credit score people have. Some reasons are extremely wild, and others may be due to their financial planning. Let's find out if some of these reasons affect anything!#education #rumors #finance #fypシ Website: www.StirgusCreditRepair.com Email: Info@StirgusCreditRepair.com Order our books: www.stirguscreditrepair.com/books Follow our Facebook Business Page: https://www.facebook.com/StirgusCreditRepair/ Join our Facebook Group Community: https://www.facebook.com/groups/113357348489166/ Instagram: https://www.instagram.com/stirgus_credit_repair/ Youtube Channel: https://www.youtube.com/channel/UC3nZSspf2jn1ZX65a-6u6rg Spotify: https://open.spotify.com/show/0C9pUEygDjsDZHy1WEeRMo Apple Podcasts: https://podcasts.apple.com/us/podcast/stirgus-credit-repair/id1612066520 GooglePodcasts: https://podcasts.google.com/feed/aHR0cHM6Ly9tZWRpYS5yc3MuY29tL3N0aXJndXNjcmVkaXRyZXBhaXIvZmVlZC54bWw Want credit repair mentorship? https://stirguscreditrepair.com/mentorship.html

No one likes checking their credit score and seeing a hit to the rating - even the Canadian government. Credit rating agencies are bracing for the upcoming November 4th federal budget, and with a lack of fiscal updates since the last federal budget under the Trudeau government, economists aren't quite sure what they should expect when it comes to the deficit.So just how deep could the red ink run? And will the minority federal government receive the backing from any of the opposition parties to get it passed through the House?Host Mike Eppel speaks to Randall Bartlett, Deputy Chief Economist at Desjardins to discuss what former-banker-turned-Prime Minister, Mark Carney, has up his sleeve for the upcoming budget, and what he plans to do about a potentially ominously large deficit. Do you have a topic that's confounding you in this economy? We'll be happy to dig into it for you and get you the answers you need. Email us at: rogerspodcastnetwork@rci.rogers.com. Thank you for listening!

968. Laura reviews how to build excellent credit scores whether you're starting from scratch, recovering from a credit hardship, or just want a credit boost to save money.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.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/MoneyGirlQDT Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On today's episode, Editor in Chief Sarah Wheeler talks with Bob Broeksmit, president and CEO of the Mortgage Bankers Association, about the latest news on credit scores and what a GSE release might look like. To learn more about Trust & Will, click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Related to this episode: MBA forecasts $2.2T mortgage origination in 2026 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠More info about HousingWire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoy the episode! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate stories. Hosted and produced by the HousingWire Content Studio. Learn more about your ad choices. Visit megaphone.fm/adchoices

"Real Credit. Real Leads."This hits like a statement, not a pitch. It's assertive, clean, and converts curiosity into clicks.

Allie and Logan talk about the components of a credit score and how to increase yours. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Imagine, you've taken your clients out to an unforgettable luncheon and... *pat* *pat* *pat*... you don't have your wallet, or any cash, or even your checkbook! How mortifying!? Whatever will you do? Well... you invent a new way to pay that fundamentally alters the economy and complicates everyone's lives... FOREVER. We're talking about the FIRST CREDIT CARD, so get ready to join the Diners' Club and start deferring payment to the end of the month... when surely you'll have the money to cover it... Right? Right!? Also, a MouthGarf Report and I See What You Did There!Sources:www.dinersclub.com/about-us/historyhttps://medium.com/@BOLDAwards/the-story-of-diners-club-the-first-credit-card-c0191d02c89ehttps://boardgamegeek.com/boardgame/34270/the-diners-club-credit-card-gamehttps://en.wikipedia.org/wiki/Diners_Club_InternationalPlease give us a 5 star rating on Apple Podcasts! Want to ask us a question? Talk to us! Email debutbuddies@gmail.comListen to the archives of Kelly and Chelsea's awesome horror movie podcast, Never Show the Monster.Get some sci-fi from Spaceboy Books.Get down with Michael J. O'Connor and the Cold Family and check out his new compilation The Best of the Bad Years 2005 - 2025Next time: First Star on the Hollywood Walk of Fame

Enjoy 7-day FREE trial: https://www.skool.com/cat-credit-university-9355/aboutFree Collections Deletion Guide (3-Step System): https://5587-michael.systeme.io/collections-deletion-guideFollow Michael on Instagram:www.instagram.com/michobenjaminBuy my book: https://www.amazon.com/Power-Yet-Michael-Benjamin-ebook/dp/B07T2T55K8/ref=sr_1_1?crid=2HGW4JEXO2T7D&dib=eyJ2IjoiMSJ9.qqv14sZ4c0oymE34ZlnxhZn1JE9CHddjNPYX8qsEMjO0-B3OmcsX65qRuNJAZCI-MOvySfRVA95xoAs7h0xbNa-74_eAZPTJx7PwMtAXTVX4waJM1SB3-tJyQ_nSfRTln3Pnrnrb2kYHoagZqC5YfPAkC3ikyX24ZkNGCjTH6NmqlGXlNhROVJjmm1xiQjAjuWeScmwmA9jba-4lB34ukqpJ9W88Ahcyu-VaVnLzXHj81ZaXea0ygbRBytaL-9gqYdEEesA0rpyRftZnD-HsiuG3-dey2nHFcvUkn4wwRas.0bodokMw9Vp0et1JP3ndcmIhLEtFB8kMae5gBiJ5-F4&dib_tag=se&keywords=the+power+of+yet&qid=1758751044&sprefix=the+power+of+yet%2Caps%2C205&sr=8-1

In this episode, we'll discuss the statistics of those who prefer to choose a partner with good credit and those who feel it doesn't matter. Website: www.StirgusCreditRepair.com Email: Info@StirgusCreditRepair.com Order our books: www.stirguscreditrepair.com/books Follow our Facebook Business Page: https://www.facebook.com/StirgusCreditRepair/ Join our Facebook Group Community: https://www.facebook.com/groups/113357348489166/ Instagram: https://www.instagram.com/stirgus_credit_repair/ Youtube Channel: https://www.youtube.com/channel/UC3nZSspf2jn1ZX65a-6u6rg Spotify: https://open.spotify.com/show/0C9pUEygDjsDZHy1WEeRMo Apple Podcasts: https://podcasts.apple.com/us/podcast/stirgus-credit-repair/id1612066520 GooglePodcasts: https://podcasts.google.com/feed/aHR0cHM6Ly9tZWRpYS5yc3MuY29tL3N0aXJndXNjcmVkaXRyZXBhaXIvZmVlZC54bWw Want credit repair mentorship? https://stirguscreditrepair.com/mentorship.html Music by Ryan Little - Ascension - https://thmatc.co/?l=100D9FF4

In this episode of Retire Fit Radio, Nathan Fort discusses the importance of redefining retirement beyond just financial assets. He introduces the Breakaway Point Calculator, which helps individuals determine when they can retire based on their financial situation. The conversation shifts to legacy planning, emphasizing that it encompasses more than just wills and trusts. Nathan also addresses upcoming changes in estate tax exemptions and the necessity of having a comprehensive financial plan, referred to as the Vital View. The episode further explores strategies for retirement income, including the three-bucket strategy and the importance of preparing for unexpected life events with a 'shock blanket'. Finally, Nathan tackles real-life retirement scenarios, providing insights on how to navigate common challenges. If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

Learn how to build business credit fast and access capital without destroying your personal credit Build business credit fast and unlock funding opportunities most entrepreneurs never discover—that's exactly what you'll learn in this game-changing episode with Ty Crandall, who runs the world's largest business credit coaching operation. Charles Gaudet and Ty dive deep into the critical mistakes business owners make when funding their companies, revealing why the worst time to seek money is when you actually need it. Ty shares his proven "3 C's Formula" (Cashflow, Credit, Collateral) that has helped thousands of businesses access over $30 million in funding monthly, and you'll discover how to separate your personal finances from business liability, build a fundable business credit profile from scratch, and tap into funding options ranging from $160K in 0% interest credit cards to 4% EIDL loans with 30-year terms. Ty Crandall is a military veteran, world-renowned business credit and financing expert, and successful entrepreneur who has transformed personal tragedy into a mission of service. As the author of two best-selling books on consumer and commercial credit, Ty is also a high-level business coach who helps entrepreneurs scale to 8-figures and beyond, and an international speaking sensation. After losing everything during the 2008 financial crisis—including his mortgage company, personal assets, and even resorting to passing bad checks to keep electricity on for his pregnant wife—Ty rebuilt from ground zero with a fundamental shift in purpose. His painful experience drives his commitment to educating business owners on building fundable companies while protecting their personal assets, making Credit Suite the go-to resource for entrepreneurs seeking capital access at favorable terms without personal guarantees. KEY TAKEAWAYS: The worst time to ask for money is when you actually need it—entrepreneurs should prepare and secure revolving credit lines before cash flow problems arise. Business owners should double their estimated startup costs and timelines, as ventures typically take twice as long and cost twice as much as anticipated. Building business credit is separate from personal credit and should begin the moment you start your business to avoid personal liability and guarantee requirements. The "3 C's Formula" determines funding eligibility: Cashflow, Credit, and Collateral—if you have all three, you qualify for SBA loans; if you have one strength, focus on lenders specializing in that category. Unlike personal credit, business credit scores (like Paydex) are based solely on payment history, inquiries don't hurt your score, and 90% of vendors don't report unless you're intentional about it. Entrepreneurs should stock up on revolving credit whenever available and when terms are favorable, even if they don't need it immediately, to prepare for economic downturns or unexpected opportunities. Alternative funding options beyond traditional banks include merchant cash advances, credit card stacking ($160K at 0% for 18 months), asset-based lending (stocks, 401Ks, cryptocurrency), and EIDL disaster loans at 4% for 30 years. Using brokers instead of going directly to lenders provides access to more funding options, better negotiating power, and often costs nothing extra since lenders pay referral fees to brokers. Link's mentioned in the episode: creditsuite.com/blueprint https://www.linkedin.com/in/tycrandall Growing your business is hard, but it doesn't have to be. In this podcast, we will be discussing top level strategies for both growing and expanding your business beyond seven figures. The show will feature a mix of pure content and expert interviews to present key concepts and fundamental topics in a variety of different formats. We believe that this format will enable our listeners to learn the most from the show, implement more in their businesses, and get real value out of the podcast. Enjoy the show. Please remember to rate, review and subscribe to the podcast so you don't miss any future episodes. Your support and reviews are important and help us to grow and improve the show. Follow Charles Gaudet and Predictable Profits on Social Media: Facebook: facebook.com/PredictableProfits Instagram: instagram.com/predictableprofits Twitter: twitter.com/charlesgaudet LinkedIn: linkedin.com/in/charlesgaudet Visit Charles Gaudet's Wesbites:  www.PredictableProfits.com www.predictableprofits.com/community  

Most flippers think that if their credit score drops below 700, they're already disqualified for funding.Brianna Wenrich from Kaydem Credit will help me destroy this myth once and for all.She breaks down what she calls the “magic credit numbers.”Plus, how to dispute, rebuild, and protect your credit using the same methods that have helped investors jump 40–50 points in just months. (Even with “bad credit,” there are lenders who'll fund your deals if you know what to say.)For over 15 years, Kaydem Credit has helped more than 9,800 clients rebuild and restore their personal credit to unlock better financial opportunities.And now, they're helping the 7 Figure Flipping community raise their credit scores before applying for private or hard money loans.They know exactly what lenders look for and how to get you from “not yet qualified” to fully funded.So, if your credit score has been holding you back…Sign Up For a Free Consultation With Kaydem Credit Help >>>Catch you later!LINKS & RESOURCES1,000 FREE Seller LeadsGet your first 1,000 seller leads FREE from our partner BatchLeads and start closing deals immediately. CLICK HERE: http://leads.getbatch.co/mztQkMr7 Figure Flipping UndergroundIf you want to learn how to make money flipping and wholesaling houses without risking your life savings or "working weekends" forever... this book is for YOU. It'll take you from "complete beginner" to closing your first deal or even your next 10 deals without the bumps and bruises most people pick up along the way. If you've never flipped a house before, you'll find step-by-step instructions on everything you need to know to get started. If you're already flipping or wholesaling houses, you'll find fast-track secrets that will cut years off your learning curve and let you streamline your operations, maximize profit, do MORE deals, and work LESS. CLICK HERE: https://hubs.ly/Q01ggDSh0 7 Figure RunwayFollow a proven 5-step formula to create consistent monthly income flipping and wholesaling houses, then turn your active income into passive cash flow and create a life of freedom. 7 Figure Runway is an intensive, nothing-held-back mentoring group for real estate investors who want to build a "scalable" business and start "stacking" assets to build long-term wealth. Get off-market deal sourcing strategies that work, plus 100% purchase and renovation financing through our built-in funding partners, a community of active investors who will support and encourage you, weekly accountability sessions to keep you on track, 1-on-1 coaching, and more. CLICK HERE: https://hubs.ly/Q01ggDLL0 7 Figure Real Estate Ready RoomUse this proven blueprint to launch and grow your real estate investing business. Step-by-step video course takes you through everything you need to know… and we'll jump on WEEKLY workshops to break down each step with you LIVE! Think of it like getting a master's degree in tactical real estate investing for a fraction of the cost. CLICK HERE: https://7figureflipping.com/ready Connect with us on Facebook and Instagram: @7figureflipping Hosted on Acast. See acast.com/privacy for more information.

Dana In The Morning Highlights 10/15Google says KPOP Demon Hunters is most searched for costumes - #2 is Labubu dolls102-year-old Ivy still walks her entire HEB and takes trips20% of singles would like to see credit scores on dating profiles

How's your credit score? Is it in tip-top shape, or maybe it could use a little bit of love? The fact is that your credit score is one of the most important financial metrics we use today and how we manage and nurture it makes a huge difference in shaping your financial opportunities. By managing and improving it, you can secure better loan terms and lower interest rates, paving the way for a healthier financial future.   Links: Explore the identity protecting benefits of a Better Checking account Disputing Errors on Your Credit Reports | Consumer Advice 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.   A credit score might seem like a mysterious three-digit number, but it holds significant influence over your financial life. Whether you're applying for a loan or a credit card, renting an apartment, or even setting up utilities, your credit score plays a crucial role in the decisions that lenders, landlords, and service providers make. Your credit is a valuable asset, and credit score awareness can be a crucial piece in overall financial wellness and identity theft protection. In this tip, we want to remind account holders of the importance of understanding credit scores and provide some tips to help them improve and maintain a healthy credit score.   What Is a Credit Score?   Simply put, a credit score is like a grade for how good you are at managing money. It is one of the most important tools that lenders and financial institutions use to assess the risk of lending money to you. A higher credit score indicates a healthy credit history; therefore, a lower credit risk, making you more appealing to potential creditors. Credit scores typically range from 300 to 850, with higher scores being better, indicating that you have consistently made payments on time to satisfy your credit obligations. While a "good" credit score varies based on the lender and the specifics of the loan request, it is typically around 700 or higher. Once your score is over 760, you may expect to be offered the best available rates. Credit agencies refresh scores once a month, but the exact timing of those updates may vary based on a myriad of factors.  How Is a Credit Score Calculated?   You might be surprised to learn that you can have multiple different credit scores at the same time. Based on where the lender obtained their data (from one, two, or all three credit reporting agencies), the credit score model that is used, the lender's own criteria for issuing credit, and the timing of when the score was produced. A hypothetical scenario for calculating a credit score might weigh the following factors this way:  Payment History (35%): This is the most important part. It's like getting a gold star for paying bills on time. If you pay on time, your score goes up. If you miss payments, it goes down.  Credit Utilization (30%): Imagine you have a money jar, and you use only a little bit of it. That's good for your score. But if you use a lot of it, it's not so good. This measures how much of your available credit you're using.  Length of Credit History (15%): The longer you've had credit (like a credit card or loan), the better. It's like experience points. More experience means a higher score.  Credit Mix (10%): Having different types of credit, like credit cards and loans, can be like having a diverse team. It's good for your score, but you don't need to have them all.  New Credit (10%): Every time you apply for new credit, like a loan or a credit card, it can slightly lower your score. Too many applications at once can hurt your score.  Lenders will also look at other factors, such as your income, your assets, or how long you have been at your current job. Note that a high credit score isn't the only sign of financial health. An individual who chooses to use cash or debit cards for major purchases rather than taking out loans will likely have a lower credit score than someone with a long record of multiple well-managed debts, even though they may be very financially responsible.      Why Does Your Credit Score Matter?   Getting Credit: When you need to borrow money, like for a credit card or a car loan, lenders look at your credit score. If it's high, they're more likely to say yes. Plus, you might get lower interest rates, which means you pay less in the long run.  Interest Rates: A good credit score can mean lower interest rates on loans and credit cards. Lower interest rates save you money, so it's a win.  Renting a Home: Landlords often check your credit score when you apply to rent an apartment. A good score can help you get the place you want.  Utility Bills: Some companies might look at your credit score before deciding if you need to pay a deposit for things like electricity and water.  Job Opportunities: Some jobs, especially those handling money, check your credit as part of the hiring process. A good credit score can make you more attractive to employers.  For those interested, here are 9 Tips to Improve Your Credit Score  Pay Bills on Time: Make sure you pay your bills by their due dates. Set up reminders or automatic payments to help you stay on track. Manage Credit Cards Wisely: Keep your credit card balances low compared to your credit limits. Aim to use less than 30% of your available credit. Pay off your credit card bills in full whenever you can. Mix Different Types of Credit: Having different types of credit, like credit cards, loans, and mortgages, can boost your score. Only open new credit when you really need it. Don't Close Old Accounts: The longer you've had credit, the better. So, avoid closing old credit card accounts, especially if they have high credit limits. Deal with Problems: If you have late payments or debts in collections on your credit report, work on fixing them. Pay off debts in collections and ask creditors to remove them, if possible. Ask for a Credit Limit Increase: If you've been good at paying your credit card bills, consider asking for a higher credit limit. Having a higher credit limit could reduce your total credit utilization, which can help your credit score. Be Careful with New Credit Inquiries and Too Many New Accounts: Every time you apply for new credit, it leaves a mark on your credit report. Too many marks can hurt your score, so be careful about applying for credit often. Likewise, opening lots of new credit accounts in a short time can worry lenders and lower your score. Only open new accounts when you need them. Check Your Credit Report Regularly: Dispute any errors you find in writing to all three credit bureaus. You'll want to include the credit bureau's dispute form as well as any supporting documentation and be sure to keep copies of everything you send. You can find sample letters and more information about how to file a credit dispute in an article from the Federal Trade Commission (link will be in the show notes.)  Stay Alert for Signs of Identity Theft: All the work you do to improve your credit score could be thwarted by someone who has stolen your personal identifying information to take out loans in your name. Review your credit report and watch for any signs of identity theft to ensure your credit score is impacted by only your own financial behavior. If you find evidence of identity fraud in your credit report, remember, we can help. Members with a Triangle Better Checking account with IDProtect, have access to Identity Theft Resolution Advocates who are standing by to dispute fraudulent activity that might damage their credit standing.      Build a Credit Score Without Debt  Young adults and those who have never had a need for credit may not want to go into debt but want to build their credit score. Here are a couple of ways that you can build your credit score without debt.  Apply for a credit-builder loan, which places the money you borrow into a certificate of deposit (CD) or savings account that you can claim after making 12 monthly payments.   Apply for a secured credit card, which gives you a line of credit that is backed by a cash deposit.  Remember, with your Better Checking account, you are entitled to receive convenient access to your TransUnion® credit score monthly. Your score is tracked on a timeline to help identify unexpected changes in your score's movement that could indicate identity theft.  Plus, with a Better Checking account, you have access to your annual credit report. Visit our Better Checking dedicated site to access your benefits of download the TCU Better Checking app for convenient access on the go.  If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

Enjoy 7-day FREE trial: https://www.skool.com/cat-credit-university-9355/aboutFree Collections Deletion Guide (3-Step System): https://5587-michael.systeme.io/collections-deletion-guideFollow Michael on Instagram:www.instagram.com/michobenjaminBuy my book: https://www.amazon.com/Power-Yet-Michael-Benjamin-ebook/dp/B07T2T55K8/ref=sr_1_1?crid=2HGW4JEXO2T7D&dib=eyJ2IjoiMSJ9.qqv14sZ4c0oymE34ZlnxhZn1JE9CHddjNPYX8qsEMjO0-B3OmcsX65qRuNJAZCI-MOvySfRVA95xoAs7h0xbNa-74_eAZPTJx7PwMtAXTVX4waJM1SB3-tJyQ_nSfRTln3Pnrnrb2kYHoagZqC5YfPAkC3ikyX24ZkNGCjTH6NmqlGXlNhROVJjmm1xiQjAjuWeScmwmA9jba-4lB34ukqpJ9W88Ahcyu-VaVnLzXHj81ZaXea0ygbRBytaL-9gqYdEEesA0rpyRftZnD-HsiuG3-dey2nHFcvUkn4wwRas.0bodokMw9Vp0et1JP3ndcmIhLEtFB8kMae5gBiJ5-F4&dib_tag=se&keywords=the+power+of+yet&qid=1758751044&sprefix=the+power+of+yet%2Caps%2C205&sr=8-1

We hear it daily....You reviewed your credit score on an app, then applied for financing and the score was completely different. This is super frustrating, and this episode will help you understand why you're experiencing different scores. Most importantly, you'll learn which app is best to track scores and monitor your credit history!Website: www.StirgusCreditRepair.com Email: Info@StirgusCreditRepair.com Order our books: www.stirguscreditrepair.com/books Follow our Facebook Business Page: https://www.facebook.com/StirgusCreditRepair/ Join our Facebook Group Community: https://www.facebook.com/groups/113357348489166/ Instagram: https://www.instagram.com/stirgus_credit_repair/ Youtube Channel: https://www.youtube.com/channel/UC3nZSspf2jn1ZX65a-6u6rg Spotify: https://open.spotify.com/show/0C9pUEygDjsDZHy1WEeRMo Apple Podcasts: https://podcasts.apple.com/us/podcast/stirgus-credit-repair/id1612066520 GooglePodcasts: https://podcasts.google.com/feed/aHR0cHM6Ly9tZWRpYS5yc3MuY29tL3N0aXJndXNjcmVkaXRyZXBhaXIvZmVlZC54bWw Want credit repair mentorship? https://stirguscreditrepair.com/mentorship.html Music by Ryan Little - Ascension - https://thmatc.co/?l=100D9FF4

Credit scores can make or break your first-home dream — but most of what you've heard about them is wrong. In this essential step of the How to Buy a Home system, David Sidoni cuts through the myths and reveals how to build the kind of credit that actually gets you approved. Whether your score is 820 or 520, this episode shows you exactly how to work with — not against — the credit system so you can buy smarter and sooner.Your credit score isn't a judgment of character — it's a math formula that lenders use to decide how much you'll pay for your mortgage.In this episode, David breaks down how that number really works and why time is your most powerful tool for improving it. From insider tips shared by national credit experts to easy-to-follow habits that raise your score month by month, this is the complete roadmap for turning your credit from a roadblock into a launchpad.Listeners will learn:Why the credit system moves slowly — and how to use that delay to your advantageThe “Big Three” pillars (credit, debt, and savings) that work together to boost buying powerHow early planning — two to three years before you buy — creates the best loan optionsWhy even small positive steps add up to big results over timeThe real truth about FICO, credit pulls, and what lenders actually seeIf you've ever worried that your credit isn't “good enough,” this episode gives you proof — and a plan — that it can be.“Negative changes happen fast, but positive changes happen slowly — and that's exactly why time is your biggest advantage.”HighlightsCredit myths, busted: What's real, what's internet noise, and what actually affects your score.The Big Three explained: How credit, debt, and savings combine to shape your buying power.Start early: The 2-to-3-year rule for maximizing your credit results before you apply.Beat the bureaus' delay: Learn why patience and consistency win the credit game.No quick fixes: Why there's no magic wand — just smart steps and time.Confidence over fear: Even low scores can rise; the key is knowing where to start and sticking with it.Referenced Episodes349 – Credit Score Solutions for First-Time Buyers (INTERVIEW)304 – Improve Your Credit: Homebuying 101 – Step 3199 – Boomer's Homes Were CHEAPER – Plus Credit Pull Myths!90 – Credit Repair for 300-669 – “Bad” or “Fair” Credit Scores64 – Credit Tips for First-Time Home Buyers from Jeanne Kelly, National FICO Expert61 – More FICO Fun – Some Good News (For Once) About Credit Scores & Hacks56 – The Advanced Hack to Raise Your Credit Score and Get Extra Cash for Your Down Payment8 – Quick Credit Tips for First-Time Home Buyers3 – What Do You Need to Know About Credit182 – Interview: From ZERO Credit Score to Homeowner198 – PMI Is a Privilege216 – PMI Is Still a Privilege and Still Not the DevilOFFICIAL 2025 EPISODE GUIDEConnect 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!

In this episode of Retire Fit Radio, Nathan Fort discusses the complexities of retirement, particularly the transition from a busy work life to a potentially chaotic retirement. Nathan explores the challenges of the first year of retirement, the importance of shifting from a doing mindset to a being mindset, and the necessity of financial flexibility to navigate unexpected life events. The conversation emphasizes the importance of having a solid financial plan that accounts for inflation and rising costs, as well as the emotional and psychological aspects of retirement planning. If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

Most entrepreneurs are building with grind, not leverage.In this episode, we break down how to use business credit the right way to access funding, scale faster, and stop relying solely on your cash flow.You'll learn:How to structure your business for credit approvalsSteps to qualify for $50K–$100K in funding without a personal guaranteeThe difference between consumer and business credit (and how to protect both)How to turn credit into leverage, not debtReal examples of entrepreneurs who used credit to grow their businessIf you've been stuck hustling for cash, this episode shows you how to build credit that funds your dream and your freedom.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this episode of Money and Wealth, John Hope Bryant breaks down why your credit score might matter more than you ever thought—and how raising it could literally change your life, your community, and even how long you live. From his parents’ real-life story of hustle vs. paperwork to the eye-opening data behind 500- and 700-score neighborhoods, John shows how credit = credibility and how building trust with banks can unlock real wealth, not just fast money. He unpacks how half of Black America is locked out of the financial system, why that has to change, and what practical steps anyone—Black, white, Latino, Asian, rich or broke—can take today to get to a 700-plus score and start building wealth in their sleep.See omnystudio.com/listener for privacy information.

 She has designed her website to provide an affordable way for consumers to learn the realities of consumer credit, avoiding the myths that many companies falsely claim they can accomplish. The goal is for YOU to understand how the credit system works and improve your own credit. Developing this life skill will help YOU qualify for credit by utilizing what you have learned and saving money on interest rates.Laurie is also the former host of the nationally syndicated Half Empty, Half Full Consumer Advocacy Radio Show and co-host of Fraudsters. Both shows featured guest experts covering a multitude of topics designed to help consumers make better decisions and become smarter faster.Laurie's experience includes:Featured Guest Credit Expert—Tampa News Channel 10 (2009 to 2019)Speaker: Chambers of Commerce, TBREIA, SREIA, Multiple Mortgage and Real Estate Companies; Moderator and Panelist at GTAR on Debt Collection; Moderator and Panelist at the Jimmy B. Keel Library on Consumer Credit, Debt Collection, and Foreclosures.Author of the copyrighted book: “Credit Scare? Credit Repair? Fighting the Credit Bureaus, Creditors, and Collection Agencies” and the “Laurie Zoock Do-It-Yourself” PlanFormer NJ Public Access Talk Show Host (2004 to 2005) – Volunteer dedicated to helping nonprofits gain exposure through public access TV in North NJ. https://crediteducationconsultants.com/our-services#contenthttp://www.yourlotandparcel.org

In this episode, Nathan Ford delves into the complexities of estate planning, emphasizing the importance of timely and thoughtful planning to avoid common pitfalls. Nathan discusses the significance of beneficiary designations, the impact of taxes, and the financial implications of losing a spouse. The introduction of the Breakaway Point Calculator is highlighted as a tool for assessing retirement readiness. The discussion also touches on the evolving landscape of investment strategies, including alternative investments, and the necessity of having a clear plan for shared properties in estate planning. If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

Semis continue to rally as Nvidia hits an all-time high. FICO shakes up the credit score market. Plus, Jeffries puts three AI chat bots to the test. 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 the Investor Fuel Podcast, host Leo Wehdeking interviews Vanessa Perry, a seasoned credit repair specialist. Vanessa shares her journey in the credit repair industry, discussing the challenges she faced, her approach to helping clients improve their credit scores, and her plans for future business expansion. The conversation highlights the importance of integrity in the credit repair business and the impact of good credit on individuals' lives.     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   —--------------------

Do you really need 20% down to buy a house? What credit score do you actually need to qualify? And how do down payment assistance programs really work? In this episode of the State 48 Homeowner Podcast, Scott Kooiman is joined by Steve Farrington and Twila Edwards from the Klaus Team to bust some of the biggest myths keeping first-time buyers from becoming homeowners. They cover the truth about down payments, loan options like FHA, VA, and USDA, how credit scores impact your approval, and the role assistance programs can play in making homeownership possible sooner than you think. If you're thinking about buying your first home, this is the episode that will set the record straight.

Invisible systems like algorithms play a powerful role in entrepreneurial success, shaping who gets access to opportunities and who does not. On this episode of The Angel Next Door Podcast, host Marcia Dawood dives into the world of gender bias, equitable AI, and economic justice with a fresh, thought-provoking lens, challenging listeners to rethink the foundations of modern entrepreneurship.Guest Katica Roy is a gender economist, tech CEO, and advocate whose family history—rooted in stories of immigration and resilience—fuels her mission for equity. From her own battles for fair pay as a breadwinner mother to being featured in the New York Times, Katica commands a unique and powerful voice on dismantling barriers in the workplace and beyond.Together, Marcia and Katica explore how algorithmic bias perpetuates inequality, and most importantly, what all of us can do to foster change, both individually and systemically. Packed with actionable insights and a sense of urgency, this episode is a must-listen for anyone invested in creating a fairer, more innovative future in business and tech. To get the latest from Katica Roy, you can follow her below!https://www.linkedin.com/in/katicaroy/https://www.katicaroy.com/abouthttps://designobserver.com/why-ethical-ai-is-good-business/ Sign up for Marcia's newsletter to receive tips and the latest on Angel Investing!Website: www.marciadawood.comLearn more about the documentary Show Her the Money: www.showherthemoneymovie.comAnd don't forget to follow us wherever you are!Apple Podcasts: https://pod.link/1586445642.appleSpotify: https://pod.link/1586445642.spotifyLinkedIn: https://www.linkedin.com/company/angel-next-door-podcast/Instagram: https://www.instagram.com/theangelnextdoorpodcast/TikTok: https://www.tiktok.com/@marciadawood

We check in with expert John Ulzheimer for tips for building or repairing your credit score, what to know about credit freezes and credit pulls, what number you should be aiming for on your credit report, and bust some credit myths.

* Why do saltwater intrusions happen? Are they occurring more often? * How the Saints can surprise people against the Bills * Bollards meant to protect Bourbon St. are being moved with ease * More than 1 in 4 older adults fall each year. But you can reduce that risk * How a credit freeze works...and how it protects you * How could the Fed rate cut affect the housing market and mortgage prices? * What to know about what does and doesn't affect your credit score

The face of lending has changed forever. In this episode, we unpack the new era of digital lending and its impact on the modern consumer. Our special guest, Sachin S from CRIF, explains how credit bureaus work, the rise of quick loans and EMIs, and the importance of monitoring your credit score. Learn how to build a healthy score from scratch, understand what lenders look for, and discover essential strategies to protect yourself from online fraud. Get your questions answered on personal loans, credit cards, and how to master your personal finance journey.✔ Digital Lending: The shift to a quick, tech-driven lending ecosystem, especially for Gen Z. ✔ Building Credit: How to responsibly start your credit score journey with small loans and credit cards. ✔ Role of Bureaus: Credit bureaus like CRIF get data from lenders to build your report. ✔ Fraud Vigilance: Protect your data and check your free RBI-mandated credit report for fraud. ✔ Your Credit Report: Understand what's on your report and how to dispute errors.From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more Watch full episodes right here on YouTube Explore more at ivmpodcasts.comConnect with Anupam Gupta: Twitter: @b50 Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM Podcasts We’re @ivmpodcasts on Facebook, Twitter & InstagramSee omnystudio.com/listener for privacy information.

(Sept 19,2025)The latest on Kimmel suspension.  Average FICO score falls: Who's seeing the largest drop? Getting married in L.A. County is getting more expensive… here's why.

Krystal and Saagar discuss credit scores plummet, Kash Patel humiliated on Epstein, Candace says Kirk shooter texts are fake. Robert Malley BOOK: https://www.amazon.com/Tomorrow-Yesterday-Pursuit-Israel-Palestine/dp/0374617120 To become a Breaking Points Premium Member and watch/listen to the show AD FREE, uncut and 1 hour early visit: www.breakingpoints.comMerch Store: https://shop.breakingpoints.com/See omnystudio.com/listener for privacy information.

Your credit score impacts nearly every financial decision—car loans, mortgages, even job opportunities. In this episode of the MX3 Podcast, we dive deep into what a credit score really is, how it's calculated, and why it's more important than ever in today's economy.We break down the role of payment history, credit utilization, and the impact of debt. You'll learn surprising stats from TransUnion, strategies to manage your score, and how banks view you when you apply for credit. Join us as we explore the truth about living with credit in 2025 and beyond. Don't miss out on the insights that could save you thousands.

Send us a textOn this episode of The Get Ready Money Podcast, I spoke with Paul Ryan, founder of Credit Score Experts and author of Repair or Raise & Retain a Great Credit Score. We explored how to take control of your credit profile—and why it matters.Key Takeaways:Consider a credit freeze to protect yourself from identity theft and unauthorized access.Stay proactive—review and update your credit report regularly to keep your score accurate.Your credit score impacts more than loans—it can affect everything from insurance rates to employment opportunities.Each credit bureau calculates your score differently, so it's essential to monitor all three.Check for errors—they're more common than you think and can cost you in the long run.Whether you're educating others or refining your own credit strategy, this episode offers actionable insights for building a stronger financial foundation.Connect with Paul Ryan:Website (here)LinkedIn (here)Book:Repair or Raise & Retain A Great Credit Score and achieve your financial goals (free pdf here) (Amazon Kindle)Bio: Paul Ryan has an extensive background in mentoring, education, community service, and consulting. Because of his professional experience in finance, and his personal experience being a victim of identity theft, Paul was compelled to write a book about credit, to both share his own story and to educate others to achieve or maintain a healthy credit profile.Paul holds a Bachelor of Science degree in Business Management, 2 certifications in the methodology of process improvement, and a certification in project management. He is a consultant, corporate trainer, and two-time author. His volunteer background includes leading fundraising for an affiliate of an internationally known non-profit, and is currently on the board of directors and the finance committee of an education and advocacy group supporting a Florida-based wildlife refuge. Besides being a volunteer, Paul is a proud dad, car enthusiast, athlete, foodie, DIYer, and originally from the Washington, D.C., area, residing in south Florida.Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer.

Credit scores are plunging—an expert joins us with tips to boost them quickly. United Airlines outpaces rivals in expanding its footprint. Traveling with little ones is challenging, but preparation helps parents and kids enjoy a smoother flight.

In this episode of Transform Your Mind, Nick Brancato shares valuable relationship coaching insights that can help you improve your love life and personal growth. Discover how couples can leverage the Total Difference Score (TDS) to assess and enhance their relationship dynamics. By objectively framing priorities, you'll learn to navigate conflicts effectively and strengthen emotional connections. Brancato emphasizes the importance of regular communication, check-ins, and offers dating advice through three key questions to uncover compatibility. Tune in for actionable strategies that empower you to cultivate deeper relationships and foster personal development. Unlock the power of relationship coaching today!Nick Brancato is a seasoned personal development coach and educator with over 25 years of experience. He has been instrumental in aiding individuals and couples to deepen their connections, enhance communication, and thrive in their relationships. Nick is the acclaimed author of the book "Prioritize Us," which unveils innovative strategies for turning arguments into pivotal moments of connection. His holistic approach incorporates meditation, guided visualization, and hypnotherapy to foster emotional insight and actionable steps to transform relationships. Notable Quotes:"The Total Difference Score is like a relationship credit score. It gives you an objective way to view your relationship beyond vague emotions.""When priorities are clear, relationships thrive even in the most difficult circumstances.""Celebrating your differences is such a beautiful thing, but you have to uncover them first."Resources:Book: "Prioritize Us" by Nick Brancato - Available for free download at nickbrancato.comInstagram: @personaldevcoachSponsors of this podcastMINT MobileGet this new customer offer and your 3-month Unlimited wireless plan for just 15 bucks a month at MINTMOBILE.com/TRANSFORM.ShopifySign up for your one-dollar-per-month trial period at SHOPIFYTo advertise on our podcast, visit https://advertising.libsyn.com/TransformyourMindor email kriti@youngandprofiting.com See this video on The Transform Your Mind YouTube Channel https://www.youtube.com/@MyhelpsUs/videosTo see a transcripts of this audio as well as links to all the advertisers on the show page https://myhelps.us/Follow Transform Your Mind on Instagram https://www.instagram.com/myrnamyoung/Follow Transform Your mind on Facebookhttps://www.facebook.com/profile.php?id=100063738390977Please leave a rating and review on iTunes https://podcasts.apple.com/us/podcast/transform-your-mind/id1144973094 https://podcast.feedspot.com/personal_development_podcasts/

What if the real key to economic growth lies in unlocking the entrepreneurial talents of those who have long been overlooked? In this episode of The Angel Next Door Podcast, host Marcia Dawood talks with Corinne Goble, CEO of the Association of Women's Business Centers (AWBC), about the challenges and opportunities facing women, veterans, and other emerging business owners.Corinne's journey, from growing up in her mom's trucking company to leading a national nonprofit network, gives her a rare, insider perspective on what entrepreneurs truly need to succeed. She shares how initiatives like Hope2Women.org, Biz2Grow.org and VeteranStartup.org make business resources, funding guidance, and technical assistance more accessible, while breaking down the confusing jargon that often presents a barrier.If you're looking for practical advice and inspiration, this episode delivers. With honest conversation about the hurdles of funding, the importance of confidence backed by data, and the power of strong networks, this is a must-listen for entrepreneurs and anyone eager to fuel the next wave of inclusive innovation. To get the latest from Corinne Goble, you can follow her below!https://www.linkedin.com/in/corinne-goble/Hope2Women.orgBiz2Grow.orgVeteranStartup.org Sign up for Marcia's newsletter to receive tips and the latest on Angel Investing!Website: www.marciadawood.comLearn more about the documentary Show Her the Money: www.showherthemoneymovie.comAnd don't forget to follow us wherever you are!Apple Podcasts: https://pod.link/1586445642.appleSpotify: https://pod.link/1586445642.spotifyLinkedIn: https://www.linkedin.com/company/angel-next-door-podcast/Instagram: https://www.instagram.com/theangelnextdoorpodcast/TikTok: https://www.tiktok.com/@marciadawood

About this episode: Credit scores are more than just a number—they can determine your ability to access critical financial assets like loans, leases, and jobs that, in turn, have a huge impact on your health. In this episode: Professor Catherine Ettman shares new research that explores the relationship between low credit scores and mental health, and discusses a recent ruling reinstating medical debt as a metric of creditworthiness. Guest: Catherine K. Ettman, PhD, is an assistant professor in Health Policy and Management at the Johns Hopkins Bloomberg School of Public Health, where she studies population mental health. Host: Stephanie Desmon, MA, is a former journalist, author, and the director of public relations and communications for the Johns Hopkins Center for Communication Programs. Show links and related content: Americans' medical debt can stay in credit reports, judge rules. What does that mean?—NPR Area-level credit scores and symptoms of depression and anxiety in adults—American Journal of Epidemiology An Asset Framework to Guide Nonhealth Policy for Population Health—JAMA Health Forum Transcript information: Looking for episode transcripts? Open our podcast on the Apple Podcasts app (desktop or mobile) or the Spotify mobile app to access an auto-generated transcript of any episode. Closed captioning is also available for every episode on our YouTube channel. Contact us: Have a question about something you heard? Looking for a transcript? Want to suggest a topic or guest? Contact us via email or visit our website. Follow us: @‌PublicHealthPod on Bluesky @‌JohnsHopkinsSPH on Instagram @‌JohnsHopkinsSPH on Facebook @‌PublicHealthOnCall on YouTube Here's our RSS feed Note: These podcasts are a conversation between the participants, and do not represent the position of Johns Hopkins University.

So apparently someone had the audacity to spit on the QB of Americas Team, Dak Prescott! As insane as that sounds it's still not quite as insane as the idea of Iron Mike Tyson vs Floyd Mayweather. The hosts needed a drink after that little bit of news so they shared an interesting shot. An airline is making plus sized passengers pay twice in 2026. Atlanta teen shot by Mothers boyfriend in a controversial situation. A quick WWYD followed by the Top 5. Enjoy and comment your opinions. #cigars #cigarsmoker #cigaraficionado #cigarsociety #cigarsnob #bourbon #bourbonwhiskey #bourbonporn #bourbonlover #bourbonenthusiast #podcast #podcastshow #applepodcasts #spotifypodcast #googlepodcasts #BLM #sponsorshipopportunity #podcasthost #TheSOP #smoke_1_podcast

Today we have a new credit-score study, APT layoffs and some CMA nominations. Click here for more on Motley Fool's credit-score study. Learn more about your ad choices. Visit megaphone.fm/adchoices

Don't stress over your credit score — here's why. Too many people believe their credit score is the ultimate sign of financial health. But your credit score is NOT a measure of wealth, success, or stability. It's simply a risk rating that lenders use to decide whether to loan you money.Think about it: billionaires who don't borrow have terrible credit scores. Meanwhile, people drowning in debt can have “great” credit scores — because they keep borrowing!In this episode, we'll break down:Why your credit score doesn't define your financial healthThe truth about credit vs. insurance scoresWhy obsessing over your score keeps you trapped in debtHow real wealth is built through budgeting, debt freedom, and net worth growthSimple habits that will naturally improve your score over timeIf you're tired of chasing a number and ready to focus on real financial freedom, this episode will give you the mindset shift you need.Hit subscribe, drop a comment about your own experience with credit scores, and share this with someone who needs to hear it.Articles:Insurance Scores: https://www.bankrate.com/insurance/car/insurance-score/Credit Score Financial Future: https://www.finra.org/investors/personal-finance/how-your-credit-score-impacts-your-financial-future**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#InvestInYourself #PersonalFinance #FinancialEmpowerment #financialfreedom #finance #money #investing #financialliteracy #financialindependence #budgeting #debtfreecommunity #financialplanning #debtfree #financialeducation #debtfreejourney #wealth #financetips #business #budget #investment #entrepreneur #moneymanagement #moneytips #stockmarket #financialgoals #invest #motivation #debt #savings #moneymindset #savingmoney #success #creditscore #wealthbuilding #moneyhabits #networth #financialsecurity #payoffdebt #creditrepair #moneygoals #creditscoredoesntmatter

The team behind Arro is reimagining how young adults build credit, offering a modern alternative to traditional credit cards. Learn how their mission aligns with financial education by helping students establish healthy credit habits from the start!

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3268: Philip Taylor explains what happens when you default on a credit card, from late fees and mounting interest to aggressive collections and damage to your credit score. He also highlights the elimination of universal default, the importance of knowing your rights when dealing with collectors, and practical steps to recover financially after a default. Read along with the original article(s) here: https://ptmoney.com/credit-card-default/ Quotes to ponder: "Credit card default happens when you borrow money on your credit card and never pay it off." "Once your account goes into default your credit score is going to take a dramatic hit." "You simply have to prioritize. Four things come first: food/water, shelter, clothing, and transportation." Episode references: The Pew Charitable Trusts - Consumer Finance Research: https://www.pewtrusts.org/en/projects/consumer-finance Dave Ramsey: https://www.ramseysolutions.com Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of The Table with Anthony ONeal, I'm keeping it real about something I never thought I'd say, I've changed my mind about credit. For years, I told you: cut up the credit cards, no debt, no credit, period. And while I still believe debt can be dangerous, I've learned that having no credit history at all can also limit your opportunities. Today, I'm breaking down why my perspective has shifted, how to approach credit wisely, and how you can use it as a tool without falling into the trap.In this episode, you'll discover:Why my stance on credit has evolvedThe hidden drawbacks of having no credit historyHow to use credit wisely without falling into debt

You can use buy now, pay later for almost anything — a couch, new clothes, groceries. FICO now says it will unveil a new version of its credit score this fall, which would include BNPL. But at least two of the big companies that offer these microloans want to know more before sharing data with credit bureaus. Also today: presidential calls for leadership changes at Intel, data on job-finding, and a tariff-squeezed building contractor.

Several months' worth of rain fell in Texas in just a few hours, leading to flash floods that killed at least two dozen people. With his "big, beautiful bill" now law, what's next on President Trump's agenda? And FICO will start considering Buy Now, Pay Later loans in credit scores.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy