Podcasts about Credit score

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.

Navigating Your Credit Score: FICO, VantageScore, and Your Mortgage FutureFor decades, the mention of a "credit score" has almost universally brought FICO to mind. It's been the industry standard, the gatekeeper to everything from car loans to, most importantly for us, your dream home mortgage. But what if that foundation is shifting? What if a new player is stepping into the spotlight, promising a different perspective on your financial reliability?On one hand, the shift to VantageScore could bring some exciting advantages. Many borrowers, particularly those with "thin" credit files or past financial hiccups, might see their scores improve, potentially opening doors that were previously closed. This could mean more people qualify for mortgages, and perhaps even at better rates. It aims to offer a more inclusive view of creditworthiness, which sounds great for many.Imagine your credit score, the number that dictates so much of your financial life, getting a noticeable boost. This isn't just wishful thinking; it's a potential reality for many as the mortgage industry considers a broader embrace of VantageScore. Early indications suggest that, on average, borrowers might see an increase of approximately 100 basis points (bps) in their credit score compared to FICO. To put that into perspective, 100 basis points is a full percentage point!While a higher score is always welcome, its impact on your mortgage journey is where the real advantages shine. A stronger credit score directly translates into more favorable lending terms. Let's break down what that 100 bps could mean for you:This potential shift is not just about a number; it's about empowerment. It's about more people having the opportunity to achieve their homeownership goals with more affordable and accessible financing. At DDA Mortgage, we are closely monitoring these developments to ensure our clients are always in the best position to take advantage of any positive changes. We can help you understand how your current credit profile might perform under VantageScore and guide you through the process. Visit www.ddamortgage.com to learn more about how we can assist you.tune in and learn https://www.ddamortgage.com/blogDidier Malagies NMLS #212566dda mortgage nmls#324329 Support the show

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: is it worth overpaying my mortgage, and when's the perfect time to do so? I'm worried bank switching will kill my credit score, will it? I've got a Plan 2 and Plan 5 student loan; how do the repayments work? What's the easiest way to track my husband's lost pensions from various jobs? Plus, what's the most unusual place Martin's been asked a financial question? If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!). So, if you've always wanted to know why he speaks so quickly, if he organises his wardrobe by colour or garment type, or have a very complicated question about your finances, email it to MartinLewisPodcast@bbc.co.uk.

In Part 1 of this series, Bob explores the changing financial landscape for young adults and explains why a high credit score alone does not guarantee financial success.

What if the thing keeping people stuck financially is not the debt itself, but the fear of facing it? That's where this conversation starts. Dr. Felecia sits down with Barry Levine, a Massachusetts-based bankruptcy attorney with more than 45 years of experience helping individuals and small business owners navigate serious financial strain. Barry has seen people walk into his office scared, ashamed, overwhelmed, and convinced they are out of options. What he has learned is that the legal process often has structure, but fear can keep people frozen long before they ever ask for help. They talk about why bankruptcy is not always the worst-case scenario, why ignoring notices does not make them disappear, and how understanding the system can bring clarity before things spiral. Dr. Felecia asks the practical questions many listeners may be wondering: When should someone talk to an attorney? What actually happens in bankruptcy? What assets are protected? What happens to your credit score? And what should business owners do before financial pressure turns into chaos? This conversation is about shame, strategy, and learning how money works on both the upside and the downside. 00:00 – Why Fear, Not Debt, Keeps People Trapped 06:40 – Why Women Hide From Their Money 11:59 – When Should You Talk to an Attorney? 13:58 – What Happens When You Ignore the Notices? 15:25 – Understanding Exempt Assets 20:08 – What Bankruptcy Is and What It Is Not 27:00 – How Creditors React When You Miss a Payment 33:02 – The Truth About Bankruptcy and Credit Scores 38:17 – What Life Looks Like After Bankruptcy 41:56 – Can Bankruptcy Stop a Foreclosure? 44:40 – When Keeping the House No Longer Makes Sense 49:20 – What Business Owners Need to Know 51:50 – What to Do If Your Practice or Business Is Struggling 55:10 – Why Information Helps Break Fear and Shame 55:38 – Planning for the Best Case and the Worst Case     You've worked hard to build your career. Now let's build wealth that outlives it. You were born to build more than just wealth. You were born to lead, inspire, and rise. At Wealth B-Hers, we're redefining what it means to be financially fearless. Join a movement of bold women investing with intention, building legacies, and writing their own money rules.   Ready to take the first step? Visit our website - moneywithmission.com/wealth-b-hers/    Connect with Barry! Book: Bankruptcy Through the Looking Glass YouTube: Bankruptcy Through the Looking Glass   Key Quotes: "There are ways to go about doing bankruptcy preparation, but you have to do it the right way." - Barry Levine    "People who have debt… they feel if they ignore it, it'll go away." - Barry Levine 

Today's episode includes a discussion on Agency mortgage-backed security (MBS) prepayment activity in the wake of QE4 lows. Plus, Robbie interviews FICO's Ethan Dornhelm on how credit score modernization is giving lenders and market participants the ability to evaluate long-term predictive performance and expand responsible access to credit while preserving safety and soundness. And we close with the focus on geopolitical tensions versus inflation versus economic data.This week's podcasts are sponsored by FICO. As the industry's most predictive credit score, FICO Score 10T combines proven performance with deeper insight into borrower behavior to help support a stronger and more resilient housing finance system.The Chrisman Commentary is 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 if the thing keeping people stuck financially is not the debt itself, but the fear of facing it? That's where this conversation starts. Dr. Felecia sits down with Barry Levine, a Massachusetts-based bankruptcy attorney with more than 45 years of experience helping individuals and small business owners navigate serious financial strain. Barry has seen people walk into his office scared, ashamed, overwhelmed, and convinced they are out of options. What he has learned is that the legal process often has structure, but fear can keep people frozen long before they ever ask for help. They talk about why bankruptcy is not always the worst-case scenario, why ignoring notices does not make them disappear, and how understanding the system can bring clarity before things spiral. Dr. Felecia asks the practical questions many listeners may be wondering: When should someone talk to an attorney? What actually happens in bankruptcy? What assets are protected? What happens to your credit score? And what should business owners do before financial pressure turns into chaos? This conversation is about shame, strategy, and learning how money works on both the upside and the downside. 00:00 – Why Fear, Not Debt, Keeps People Trapped 06:40 – Why Women Hide From Their Money 11:59 – When Should You Talk to an Attorney? 13:58 – What Happens When You Ignore the Notices? 15:25 – Understanding Exempt Assets 20:08 – What Bankruptcy Is and What It Is Not 27:00 – How Creditors React When You Miss a Payment 33:02 – The Truth About Bankruptcy and Credit Scores 38:17 – What Life Looks Like After Bankruptcy 41:56 – Can Bankruptcy Stop a Foreclosure? 44:40 – When Keeping the House No Longer Makes Sense 49:20 – What Business Owners Need to Know 51:50 – What to Do If Your Practice or Business Is Struggling 55:10 – Why Information Helps Break Fear and Shame 55:38 – Planning for the Best Case and the Worst Case     You've worked hard to build your career. Now let's build wealth that outlives it. You were born to build more than just wealth. You were born to lead, inspire, and rise. At Wealth B-Hers, we're redefining what it means to be financially fearless. Join a movement of bold women investing with intention, building legacies, and writing their own money rules.   Ready to take the first step? Visit our website - moneywithmission.com/wealth-b-hers/    Connect with Barry! Book: Bankruptcy Through the Looking Glass YouTube: Bankruptcy Through the Looking Glass   Key Quotes: "There are ways to go about doing bankruptcy preparation, but you have to do it the right way." - Barry Levine    "People who have debt… they feel if they ignore it, it'll go away." - Barry Levine 

Did you know Ireland doesn't actually use an American-style "credit score"? Mrs Smart Money Kel Galavan explains all.

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

This one blew my mind. The Federal Reserve did a 15 year study over 12 million people and found an equation for determining how long a relationship might last depending on the credit score gap. Woah- wait, what?! Your credit score and profile is so much more than just a report to determine your interest rate or if you will be approved for a loan... it is a report of character.The Federal Reserve conducted this study to learn more about financial behaviors and accidentally stumbled on findings of relationship success based on credit scores at the time of starting a relationship. I found it fascinating and wanted to share this with you today.The Fed's abstract page: https://www.federalreserve.gov/econres/feds/credit-scores-and-committed-relationships.htmquestions@creditkristi.com

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.

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 Steve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

This week, Angela discusses the importance of maintaining a good credit score in retirement. She explains why credit remains relevant even after paying off debts and provides strategies to keep credit active and healthy. The episode covers five reasons credit matters in retirement and five tips for preserving it. Key Takeaways

In today's episode on 23rd June 2026, we explain why Meta is the last Big Tech company yet to crack India's payments market and what it's doing about it.Book a FREE call with Ditto

Spencer Reese has earned over $100,000 in travel rewards — booked a $27,000 first-class flight to Tokyo, a $1,700/night Ritz Carlton bungalow, and flew his parents to Italy in business class — all for nearly nothing. In this crossover episode with The Fiscal Clinician, Spencer breaks down how credit card points actually work, what the industry doesn't want you to know, and the financial foundation you must have before playing the game. Topics Covered The Biggest Credit Card Lie — Why spending alone will never fund your vacations, and why the welcome bonus is where the real value is Credit Score vs. Net Worth — Why obsessing over your credit score is a distraction from actual wealth building Financial Prerequisites — The non-negotiables (emergency fund, 401k match, debt-free except mortgage) you need before touching travel rewards The Anti-Budget Strategy — Pay yourself first, automate savings, then spend whatever's left Tracking Your Spending — How to use AI tools (Claude, ChatGPT, Gemini) or apps to categorize your transactions and find spending blind spots Welcome Bonuses vs. Spend Multipliers — Where points actually come from and which matters more Redeeming Points — Cash back, travel portals, and transfer partners (and why transfer partners win) Points Inflation & Devaluations — Why you should earn and burn, not hoard Beginner Credit Card Strategy — 1, 2, and 3 card recommendations for different lifestyles Travel Insurance Benefits — The underrated perks hiding in your Chase Sapphire Preferred (car rental coverage, trip delay, and more) Downgrading vs. Canceling Cards — How to protect your credit score when a card no longer serves you Military-Specific Advantages — Annual fee waivers and why the strategy shifts for active duty members Student Loans & Credit Cards — When it's okay to dip a toe in even with six-figure debt Resources & Tools Mentioned The Fiscal Clinician Podcast — https://thefiscalclinician.com Financial freedom for healthcare professionals, hosted by Josh Sheen DPT doctorofcredit.com — https://doctorofcredit.com Best resource for tracking current credit card welcome bonus offers Travel Freely App — Tracks your cards, annual fee due dates, and helps you decide when to keep, downgrade, or cancel (built by Zach) Monarch Money — Spencer's go-to spending tracker YNAB (You Need A Budget) — Popular budgeting app Every Dollar — Dave Ramsey's budgeting app Claude / ChatGPT / Gemini — AI tools for categorizing exported transaction data and visualizing spending Books Mentioned The Total Money Makeover by Dave Ramsey — Recommended for debt payoff motivation and the gazelle intensity framework Don't Shoot the Dog by Karen Pryor — The behavioral book behind Spencer's "create the environment to thrive" philosophy Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 22,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

She's moving out for real this time. After everything that went down with the roommate, Chelsea plays "reasons I'm excited to move out".Cyber updates, a guy who hit on both of them in the same week, a rodeo night gone sideways, a Nordstrom shoe-shopping disaster that ends in a stolen display model, and a Father's Day email from Chelsea's mom that lands a little too perfectly timed. Porn preference debate nobody asked for and dating advice from a friend who leads with her credit score. Send us a textSupport the showLike, subscribe, and share with that one friend who needs a reason to laugh. Find us @honestlysmartless on Instagram, TikTok, and YouTube.Connect with Honestly Smartlesshonestlysmartless.comIG: @honestlysmartlessTikTok: @honestlysmartlessChelsea's IG: @chelsea_turanoLindsay's TT: @dr.lindsayregehrYouTube:  Honestly Smartless

Your credit score went up but you still got denied for a loan, and the reason is debt-to-income ratio (DTI), the number lenders actually use to approve a mortgage and the one most credit repair clients never see coming. Join Our FREE Start Repairing Credit Challenge: HERE   The score gets your client noticed. The DTI gets them approved. So before you build a plan, ask every new client what they want to qualify for, what their timeline is, and what the rest of their financial picture looks like. Lead with the goal and you'll spot a denial before the lender does. DTI is simple math that almost nobody explains to clients. Add up their monthly debt payments, divide by their gross monthly income, and that percentage is the number. Most lenders want to see 43% or below, though conventional loans can stretch to 45% or even 50% with strong compensating factors like great credit and cash reserves. You move that number two ways, lowering the payments or raising documented income. Knocking out an installment loan with fewer than 10 payments left often gets the whole payment dropped from the calculation. Keep an eye on student loans, which can count against a client even in deferment. And when a big purchase is close, bring in a mortgage broker to run the exact numbers. Tune in!  P.S. Join the #1 event to grow your credit repair business: http://creditrepairexpo.com/   Key Takeaways: 00:00 Intro 01:30 Why a Higher Score Still Gets You Denied 03:34 The Three Questions to Ask Every New Client 04:46 Credit Score vs. DTI. Two Different Numbers 05:56 How to Calculate Your Client's DTI 07:40 The Ground Rule. No New Debt Until You Close 08:40 Why Student Loans Hurt Even in Deferment 09:32 Two Levers That Move the DTI 10:52 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.

What does it really take to buy a home in today's market? This week, John Ingram joins the Las Vegas Real Estate Radio Show to discuss the financial habits that can help set you up for success, including advice from the head of finance at UNLV and what lenders are actually looking for when it comes to your credit score. Plus, we're celebrating a major milestone as Karlee marks 20 years with the Blankfeld Group!

Stephen speaks to David Dickens about how direct marketing has evolved in the digital age; Warren Ingram on why South Africans should understand and improve their credit scores; Prof. Rutendo Hwindingwi on key business developments across Africa; and Motheo speaks to Zinhle Tyikwe about her leadership journey and the role of the Consumer Goods Council in South Africa’s retail sector. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   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/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   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/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Stephen speaks to David Dickens about how direct marketing has evolved in the digital age; Warren Ingram on why South Africans should understand and improve their credit scores; Prof. Rutendo Hwindingwi on key business developments across Africa; and Motheo speaks to Zinhle Tyikwe about her leadership journey and the role of the Consumer Goods Council in South Africa’s retail sector. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   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/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   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/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Stephen Grootes speaks to Warren Ingram, financial adviser and do-founder of Galileo Capital, about why most South Africans have a credit score but don’t know their number or how it’s calculated. He explains why this number matters, from securing a home loan to determining interest rates and even rental approvals, and how, with a few deliberate habits, it can be significantly improved within a year. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   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/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   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/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Stephen Grootes speaks to Warren Ingram, financial adviser and do-founder of Galileo Capital, about why most South Africans have a credit score but don’t know their number or how it’s calculated. He explains why this number matters, from securing a home loan to determining interest rates and even rental approvals, and how, with a few deliberate habits, it can be significantly improved within a year. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   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/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   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/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Link Up w/The Morning Sickness Digitally All Over:Instagram: @hms_98_official, @bosskupd, @bretvesely, @dickToledoX/Twitter: @HMSon98, @DickToledo, @bretveselyFacebook: @HMSKUPDYouTube: @hmspodcast9320, @98kupdRequest/Call in/Wakeup Song line:(IN AZ) 602.585.9800More HMS: holmbergpodcast.com, 98kupd.comEmail: dtoledo@98kupd.com, bvesely@98kupd.com, bbogen@98kupd.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Link Up w/The Morning Sickness Digitally All Over:Instagram: @hms_98_official, @bosskupd, @bretvesely, @dickToledoX/Twitter: @HMSon98, @DickToledo, @bretveselyFacebook: @HMSKUPDYouTube: @hmspodcast9320, @98kupdRequest/Call in/Wakeup Song line:(IN AZ) 602.585.9800More HMS: holmbergpodcast.com, 98kupd.comEmail: dtoledo@98kupd.com, bvesely@98kupd.com, bbogen@98kupd.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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.. #SHMS #BEST #STRAW 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.. #SHMS #BEST #STRAW See omnystudio.com/listener for privacy information.

In this episode of the Industry Spotlight, joining host Sam D'Arc are Ben Atkinson, VP of Auto Lending at Upstart, and Evan Driscoll, General Sales Manager at Audi Jacksonville to discuss why the credit score has become the most overrated number in auto lending and how a full-spectrum dealership running everything from $2,000 used cars to $400,000 Rolls-Royces gets first-time buyers approved at competitive rates with no money down. Evan breaks down how a slow approval costs his store at least $1,000 per car per day in aging inventory, and how a 10-second automated decision changed the math. They also get into why 24/7 automated approvals matter most during the weeks traditional lenders go dark. This episode of the Car Dealership Guy Podcast is brought to you by Upstart. Topics: 04:30 Why Slow Approvals Kill Deals. 05:50 The $1,000 Cost Of One Extra Day. 08:00 How Soft Pulls Close More Deals. 09:50 Why Customers Love Soft Pulls. 11:20 The 10-Second Approval. 15:00 Why First-Time Buyers Get 7% Rates. 16:30 The 280 Data Points Beyond Credit Scores. 20:00 24/7 Automation Beats Banking Hours. 21:00 The Beach Chair Email That Enraged A Store. 24:30 Why Manual Credit Apps Are Dead. 26:00 One Portal Beats Five Logins. 29:00 People First, Tech Second. Upstart - Unlike traditional auto financing, Upstart uses thousands of data points – not just credit scores – to approve more buyers, structure more profitable deals, and speed up funding. Learn more at here. Check out Car Dealership Guy's stuff: For dealers: CDG Circles ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cdgcircles.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Industry job board ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://jobs.dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Dealership recruiting ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgrecruiting.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Fix your dealership's social media ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.trynomad.co⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Request to be a podcast guest ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgguest.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For industry vendors: Advertise with Car Dealership Guy ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgpartner.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Industry job board ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://jobs.dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Request to be a podcast guest ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgguest.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Car Dealership Guy Socials: X ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠x.com/GuyDealership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/cardealershipguy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@guydealership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/cardealershipguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Threads ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠threads.net/@cardealershipguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠facebook.com/profile.php?id=100077402857683⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Everything else ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

On this episode of Power House, Zeb Lowe sits down with longtime mortgage executive, consultant and podcast host Coby Hakalir for a candid conversation about one of the housing industry's most contentious topics: credit reporting, FICO scoring and the future of mortgage regulation. The discussion centers around his viral op-ed challenging the current mortgage credit ecosystem and questioning whether the industry has become too defensive of legacy systems at the expense of competition and innovation. Zeb and Coby unpack rising credit report costs, the role of the FHFA, unintended consequences of regulation and why loan officers need a deeper understanding of the systems shaping borrower outcomes. The conversation also explores misinformation in today's market, the importance of industry engagement and why difficult cycles often reveal which professionals are truly committed to evolving with the business. At its core, this episode is about challenging assumptions, questioning entrenched systems and asking what a smarter, more competitive mortgage industry could actually look like. Related to the episode: ⁠Zeb Lowe's LinkedIn⁠ Coby Hakalir's LinkedIn Opinion: FICO, the 3Bs: Fruit from a rotten tree. Here's how we fix It. The Power House podcast brings the biggest names in housing to answer hard-hitting questions about industry trends, operational and growth strategy, and leadership. Join HousingWire's Zeb Lowe every Thursday morning for candid conversations with industry leaders to learn how they're differentiating themselves from the competition. Hosted and produced by the HousingWire Content Studio.

In this episode, Craig LaChapelle is joined by VantageScore's Jeff Richardson and TransUnion's Matias Petersen to unpack the growing importance of credit score choice. They discuss how market volatility, competition and regulatory shifts are driving adoption across lending segments, from mortgage to auto and cards. The conversation highlights practical considerations — from model performance and governance to operational rollout — while outlining how lenders can test, validate and scale new scoring approaches to improve portfolio outcomes and expand access. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

Mortgage lending is entering a major transition as the industry begins testing newer credit scoring models like FICO 10T and VantageScore 4.0. In this episode, Kathy Fettke breaks down what these modern credit scores are, why lenders are concerned about risk and pricing, and how the changes could impact mortgage approvals, housing demand, and the future of real estate investing. Learn why investors should pay attention as the mortgage market moves toward a new era of credit scoring and lending standards. Source: https://www.housingwire.com/articles/gse-modern-credit-scores/

We share how we're reshaping our points and miles strategy after Hyatt devaluations, including new card moves and the reality of planning family travel when award space disappears. We also walk through our Italy and Switzerland pivot, plus a credit score rebound that lets us apply for new cards with confidence. • choosing the Bilt Palladium for the signup bonus and transfer partners • why we skip mortgage payments through Bilt for now • using Bilt cash to activate the 3x accelerator on planned spend • targeting Japan Airlines miles and watching hard expiration rules • adding Capital One Savor for uncapped 3x groceries • pending Wells Fargo Autograph Journey verification and what we're sending • navigating Chase 5/24 and our plan to earn more Chase points via a business card • booking Hyatt stays before devaluation while keeping options open • dropping Lake Como due to missing standard award space for two rooms • deciding between Florence costs and a Switzerland-heavy itinerary • planning Rome with hotel openings still uncertain and building a backup • timing credit card applications after utilization drops and scores rebound above 800 If you listened to last week's episode where I had our very first guest on, I would love feedback if you haven't already sent it. Find me on Instagram at travel party5, and we will catch you on the next episode. 

Learn what new Fed data says about Americans' finances and whether a perfect 850 credit score is worth chasing. What does the latest Federal Reserve data actually reveal about how Americans are holding up financially — and why do feelings and facts so often diverge? Sean Pyles, CFP®, and Elizabeth Ayoola are joined by senior news writer Anna Helhoski and NerdWallet economist Elizabeth Renter to dig into a new Fed analysis of U.S. household financial wellbeing. They discuss why wellbeing has declined for young adults, low-income families, and Black adults even as headline economic data stays relatively stable, what a shifting labor market means for workers' confidence, and what NerdWallet's new Financial Resilience Index could reveal about the gap between feeling in control of your money and actually being prepared for a financial shock. What does a perfect 850 credit score actually get you — and is it even worth chasing? Sean and Elizabeth are joined by NerdWallet personal finance writer Amanda Barroso to answer a question about reaching the credit score mountaintop. They discuss where the real "good enough" threshold sits, how to build a healthier relationship with your score, and what habits could help you reach — and maintain — a score that actually works in your favor. Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

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.. #SHMS #BEST #STRAW Steve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

She asked his credit score on the first date. He showed up thinking it was a date, she showed up with a five-year plan. What happened next built an empire. Dedric and Krystal Polite are the husband-and-wife real estate powerhouse and stars of the hit show 50/50 Flip. After corporate layoffs, betrayal from business partners, and building from nothing, they turned their relationship into a multi-million dollar brand, without losing their marriage in the process. This conversation is about what it actually looks like to be equally yoked, build with intention, and create something that outlives you. In this episode: Why Krystal made entrepreneurship a non-negotiable on the very first date How a layoff two months into dating became the turning point that launched their first business Why most people stay stuck — and it's not strategy How paying for mentorship collapses a 10-year learning curve to 6 months How they define clear roles without stepping on each other as partners or spouses Why Dedric says "the inner me is the enemy" — and how personal development unlocks every level of business growth What it really takes to build a legacy that outlives you If you're building alongside a partner, battling the fear of investing in yourself, or wondering if your business can survive your relationship, this one will shift something in you. Connect with Dedric & Krystal: Instagram: @bepoliteproperties | Website: www.dedricandkrystal.com Follow Stephen Scoggins: Instagram: @stephen_scoggins | Website: stephenscoggins.com

This is the Wholesale Hotline Podcast (Brent Daniels Live Show Edition), the best 120 minutes in wholesaling education -- live with Brent Daniels.Show notes -- in this episode we'll cover:Brent answers your questions live.Knowledge from Brent and some of the best wholesalers in the industry.The most important news affecting the wholesaling industry.Your weekly dose of wholesaling motivation.Interviews with industry experts and successful wholesaler.Please give us a rating and let us know how we are doing!➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖☎️ Welcome to Wholesale Hotline & TTP Breakout

How can we determine whether published research is methodologically sound and likely to be true? Can we trust every peer-reviewed article we read? Joining us to share her thoughts on this complex topic is Nicole Kargin, the founder of ResearchDoc AI. Nicole attends the University of Austin, a startup university where she is currently a sophomore and a member of the founding class. There, she launched ResearchDoc AI, a company built on the belief that the global replication crisis is a direct result of a broken scientific publication system – and that AI-powered quality assessment can help solve it… This conversation covers: What makes ResearchDoc AI the "credit score" of academic publications. How citations can create the illusion of credibility. Problems associated with the current peer-review process. How to overcome the replication crisis.  Follow along with Nicole and her work on LinkedIn, Twitter, and the Research Doc AI website!