Podcasts about 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/

In Deutschland lernen wir: Schulden sind Schuld. Die Schufa ist ein Sündenregister. Dieses Denken hält dich in einer provinziellen Finanzwelt gefangen.Was, wenn ich dir sage, dass in den USA das genaue Gegenteil gilt? Dass "Kredit" nicht Schuld, sondern Macht, Vertrauen und die Eintrittskarte zu einem freieren Leben ist?Dieses Video ist deine Anleitung, um aus dem deutschen Denksystem auszubrechen. Lerne, wie du als Deutscher – völlig legal und von Deutschland aus – eine zweite, mächtige finanzielle Identität in den USA aufbaust.Wir enthüllen die Strategie, die dir ermöglicht:✅ Strategische Privatsphäre: Konten und Karten außerhalb der EU und des automatischen Informationsaustauschs (CRS) zu halten.✅ Überlegene Prämien: Willkommensboni für Business-Class-Flüge und weltweiten Lounge-Zugang statt ein paar Payback-Punkten zu sammeln.✅ Deine Zukunft zu sichern: Den Grundstein für US-Investments, ein US-Business (LLC) oder eine spätere Auswanderung zu legen.Wir erklären dir das Geheimnis der ITIN (US-Steuernummer), wie du eine echte US-Adresse bekommst und deinen Credit Score in nur 12 Monaten aufbaust.

Are you unknowingly hurting your credit score? Many people make simple mistakes that can significantly impact their credit score, leading to higher interest rates, loan denials, and even job rejections. In this video, we'll reveal the common mistakes you might be making and how to avoid them to maintain a healthy credit score. From credit inquiries to payment history, we'll cover it all. Watch until the end to learn how to protect your credit and achieve financial stability.Please like, follow,subscribe by clicking the links below:www.JasonGelios.com Youtubehttps://www.youtube.com/c/ItsAllAboutTheRealEstate Facebookhttps://www.facebook.com/jasongeliosrealtor/ Linkedinhttps://www.linkedin.com/in/jasongelios Twitter (X)https://twitter.com/jasongelios Instagramhttps://www.instagram.com/jasongeliosrealtor/ Pinteresthttps://www.pinterest.com/jasongelios/ Tik Tokhttps://www.tiktok.com/@jasongeliosrealtor?is_from_webapp=1&sender_device=pc Purchase Jasons realestate book here:https://www.amazon.com/Think-Like-Realtor-residential-REALTOR%C2%AE/dp/B0D3YBG69H/ref=sr_1_1?crid=1PTDJATI1DGIO&dib=eyJ2IjoiMSJ9.0ZYEOTHIrRJpvYxn2OFLQhVM7bNB14x3B1NbWhdwZtDwC4SQi2MUb0sqWs3wURG6h5P7CcWsN3JxJMIk0jnrktCVQxiPTv8YI3gdtrmzNF_RqTIkj4vVfdl71ouS_IVA1eFc8ECABaTYbirhvPG9HPOw-x2aNB9_sn0OLoUYy2f0QnLgYJalQH376g9sxhSeVGct5yV1EFisL2o18-ihUUo_qJqRwCsDFA-2Sp2wACs.3kHmteGQeWS_zZ9SsgqMOfyCvBLUB57xIRKYTUiHgww&dib_tag=se&keywords=think+like+a+realtor&qid=1719583367&sprefix=think+like+a+realt%2Caps%2C360&sr=8-1

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

HostL: Helene Raynaud Guest: Jim Kaiser Air date: Sep 08, 2025

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!

In this episode of Retire Fit Radio, Nathan Fort discusses the unique challenges and opportunities facing Generation X as they approach retirement. With many Gen Xers now nearing 60, the conversation focuses on the importance of transitioning from saving to strategic planning, understanding tax efficiency, and the significance of having a clear cash flow strategy. Nathan emphasizes that retirement is not just about reaching a certain age but about having the freedom to live life on one's own terms. The episode also explores the risks of having 'lazy money' and the need for income-producing assets to ensure financial stability in retirement. Real-life scenarios are presented to illustrate common retirement challenges and the importance of personalized 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.

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

Think your credit score is too low to buy a home? That may be about to change. In this episode, Jeb Smith and Josh Lewis sit down with Anthony Hutchinson of VantageScore to break down a major shift in the mortgage world. For the first time ever, Fannie Mae and Freddie Mac will soon accept VantageScore 4.0, a game-changer for first-time buyers, renters with thin credit files, and underserved communities. Start your stress-free loan journey todayJoin Rate Watch – we'll watch rates for youEmail: info@theeducatedhomebuyer.comConnect with Us

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

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

In this episode of Retire Fit Radio, Nathan Fort discusses the evolving landscape of retirement planning, emphasizing the need for modern strategies that reflect today's economic realities. He critiques outdated methods like the 4% rule and highlights the importance of having a comprehensive financial plan. The conversation covers various topics, including income strategies for retirement, the pros and cons of Roth and traditional IRAs, and real-life scenarios that retirees face. Nathan encourages listeners to seek clarity and control over their financial futures by working with a fiduciary advisor. 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.

* The Saints have their INITIAL 53 man roster...but moves are still happening * Walter Leger took action after Katrina to help others, rebuild the region * Why do companies change iconic logos? Why do some get so attached to logos? * Lessons learned for law enforcement from Katrina, other natural disasters * Americans support more mail-in voting, early voting, and voter ID. Do you?

Do you pay attention to your credit card rewards? If you don't, you could be missing out on benefits to help you travel for less. We talk with Nick Ewen, Senior Editorial Director at the Points Guy.

In this episode of Retire Fit Radio, Nathan Ford discusses the evolving landscape of annuities in light of rising interest rates. He emphasizes the importance of reviewing older annuities, understanding their features, and being aware of hidden fees. The conversation also covers strategies for retirement income, including the benefits of the 1035 exchange and the importance of having a clear financial plan. Listeners are encouraged to evaluate their current annuities and consider whether they are still the best fit for their retirement goals. 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.

BUSINESS: New BSP system makes SMEs credit score assessment easier | Aug. 24, 2025Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein #TheManilaTimes#KeepUpWithTheTimesSubscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein #TheManilaTimes#KeepUpWithTheTimesdv Hosted on Acast. See acast.com/privacy for more information.

In this episode of the Real Estate Pros podcast, host Q Edmonds interviews Ricardo Giles, also known as Revenue Rick, who specializes in land and mobile home packages in Charleston, South Carolina. They discuss the importance of staying disciplined in the real estate market, the significance of finding a niche, and the necessity of building strong relationships and networks. Ricardo emphasizes the critical role of credit in real estate success and shares insights on navigating challenges in the industry.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Are you checking their financials before you commit? Plus DCS plays "Who's Lying" with a listener. 

Amy King hosts your Tuesday Wake Up Call.  KFI White House correspondent John Decker joins the show to discuss Trump and Zelenskyy meeting and what comes next. Amy talks with parenting expert Richard Ramos about the FBI's new ‘Crime in Schools' report. ABC News correspondent Brian Clark talks about the ‘Ketamine Queen' who sold drugs to ‘Friends' star Mathew Perry pleading guilty and avoiding trial. Courtney Donohoe from Bloomberg joins the show to talk about the latest in business and what is affecting the markets today. The show closes with the host of ‘How to Money' Joel Larsgaard talking about ARMS making a comeback and Gen Z not knowing anything about their credit score.

The show OPEN... credit scores... plastic surgery... and Tom's height!

Amy talks with the host of ‘How to Money' Joel Larsgaard about ARMS making a comeback and Gen Z not knowing anything about their credit score.

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

(August 14, 2025)Host of ‘How to Money' Joel Larsgaard joins the show to talk about a new Harvard study finding that where we grow up influences our credit score, Gen Z's knowledge about credit, Hertz using AI to access car damage, and private assets in retirement accounts. Are you being quiet fired? 5 signs to watch out for at work. The host of ‘Later with Mo Kelly' joins Bill to talk about Taylor Sheridan's ‘Landman' season 2 premiere being announced.

Kim Chapman shares five actionable strategies to boost your credit score quickly and effectively. These proven techniques address the key factors that influence your credit rating, helping you qualify for better loans and financial opportunities.• Pay bills on time as this accounts for 35% of your credit score• Keep credit utilization below 30% of your available credit limit• Don't close old accounts as they contribute positively to credit history• Limit opening new accounts as they can temporarily lower your score• Check all three credit reports regularly through annualcreditreport.com• Contact creditors immediately if you can't make payments to discuss options• Consider speaking with a financial counselor if struggling with debt managementVisit neighborsfcu.org/financial-wellness for more tools to help build a strong financial future and subscribe to the Money Matters podcast for ongoing financial guidance.Have an idea for a show or a question for Kim? Send us a text messageSupport the showWelcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice.

Illinois homeowners with low credit scores are paying significantly more for insurance than those with higher scores, even when they live in areas with little risk of natural disasters, according to a new report from the Consumer Federation of America and the Climate and Community Institute.

In today's episode, we're breaking down the mysterious world of credit scores. We'll cover what they really measure, how they affect your financial life, and what practical steps you can take to build or maintain a healthy credit profile. We want your help in shaping the future of this show! If you have any questions, concerns, episode ideas, or want to get in contact with the hosts, use this link! https://www.dvmercy.com/faith-driven-finance Our Disclaimers: Faith-Driven Finances is owned and produced by Divine Mercy Radio and this episode is hosted by Ethan Lang, a principal with Launch Wealth. Launch Wealth at the time of this recording is a registered investment advisor primarily registered and offering advisory services in the State of Kansas, virtually across the country, and in other jurisdictions where exempt. Registration does not imply a certain level of skill or training. This show is made for informational purposes only and should not be intended as tax, legal, or investment advice. This information should not be relied upon as the sole factor when making investment decisions. Past performance is no indication of future results, and investment in securities involves significant risk. Launch Wealth does not warrant that the information on this episode will be free from error. For more information on our disclosures, visit http://www.investwithlaunch.com/legal.

Illinois homeowners with low credit scores are paying significantly more for insurance than those with higher scores, even when they live in areas with little risk of natural disasters, according to a new report from the Consumer Federation of America and the Climate and Community Institute.

Send us a textToday's topic is Financial Insecurity: When Your Credit Score is in Early Recovery

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.

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.

In this episode of the Investor Fuel podcast, host Michelle Kesil speaks with Steve Pate, founder of The Wealth Society, about the importance of financial literacy and the tools necessary for achieving true wealth. They discuss the four pillars of wealth—income, credit, assets, and taxes—and how understanding these elements can empower individuals, especially investors, to make informed financial decisions. Steve emphasizes the significance of leveraging credit, overcoming common obstacles in financial growth, and the tailored educational approach of The Wealth Society to help individuals navigate their financial journeys. 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   —--------------------

In this episode of the Investor Fuel podcast, host Michelle Kesil speaks with Ryan Alexander, a credit expert who shares his insights on building and leveraging credit for financial success. Ryan emphasizes the importance of understanding the credit system, budgeting, and maintaining a good credit score. He provides practical tips for managing credit cards, raising credit scores, and using credit to create financial opportunities. Ryan also shares his personal journey from being broke to becoming a successful educator in the credit space, highlighting the mindset shifts necessary for financial growth. 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   —--------------------

Learn actionable steps for achieving and keeping a strong credit score, including timely payments, maintaining low credit usage, monitoring your credit reports, and responsible credit activity. Today's Stocks & Topics: ALSN - Allison Transmission Holdings Inc., Market Wrap, QCOM - Qualcomm Inc., How to Build and Maintain a Good Credit Score, IIPR - Innovative Industrial Properties Inc., Pacaso, HKHHY - Heineken Holding N.V. ADR, Las Vegas Losing Tourism, Dependent Care Flexible Spending Account, AEM - Agnico Eagle Mines Ltd., Large, Mid or Small Caps Distribution, Liquidity.Our Sponsors:* Check out Ka'Chava and use my code INVEST for a great deal: https://www.kachava.com* Check out Mint Mobile: https://mintmobile.com/INVESTTALK* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brands

How to protect your credit from medical debt and choose the right way to save for a home down payment. How does medical debt affect your credit score? What accounts can you use to save for a house down payment? Hosts Sean Pyles and Elizabeth Ayoola discuss the recent reversal of a Consumer Financial Protection Bureau rule that would have removed medical debt under $500 from credit reports and explore the consequences for consumers. Joined by senior news writer Anna Helhoski and guest Rohit Chopra, former director of the Consumer Financial Protection Bureau, they explain why the rule was proposed, what the legal ruling means for borrowers, and what consumers can do to protect themselves. They share insights on why the CFPB is vital to maintaining financial fairness and what the agency's dormancy could mean for future protections. Then, housing Nerd Kate Wood joins Sean and Elizabeth to discuss how to save for a home in today's high-cost, high-interest-rate housing market. They dig into what emergency fund you should consider having before buying a house, how to choose between high-yield savings accounts and CDs, and why the 20% down payment myth could be holding you back. The conversation also covers how much you really should save (spoiler: it's more than just your down payment), why closing costs are often misunderstood, and how first-time buyers can explore down payment assistance programs that offer real help. NerdWallet's list of the best high-yield savings accounts: https://www.nerdwallet.com/best/banking/high-yield-online-savings-accounts  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 In their conversation, the Nerds discuss: medical debt and credit scores, saving for a down payment, CFPB medical debt rule, how to save for a house, down payment assistance programs, how medical debt affects credit, CFPB rule overturned, home buying costs, closing costs calculator, how much to save for a house, best high yield savings accounts, down payment myths, private mortgage insurance explained, how much to put down on a house, 20% down payment myth, CD ladder strategy, high yield CD rates, CD vs savings account, home equity from appreciation, real estate agent commission changes, home maintenance budgeting, how to avoid PMI, how to get rid of PMI, what is PMI, CFPB complaint database, checking credit reports, how to prequalify for a mortgage, how to calculate closing costs, state housing authority grants, and first-time homebuyer programs. 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

In this conversation, Wendell Cox shares his journey from mortgage lending to credit repair, emphasizing the importance of credit in achieving homeownership. He discusses the natural transition between these fields, the significance of building relationships with realtors, and how he helps clients establish and repair their credit. Wendell also highlights strategies for young adults to build credit and the comprehensive services his company offers, including business credit establishment. The discussion concludes with Wendell providing contact information for those interested in his services. 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   —--------------------

In this conversation, Randhir Singh, a senior business consultant, shares insights on the importance of data analytics in consulting, the role of competitor analysis, and strategies for market research. He emphasizes the need for businesses to understand their data from day one and how to leverage it for growth. Randhir also discusses the evolving job market and the importance of building a strong personal brand, particularly on platforms like LinkedIn. 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   —--------------------

Episode 566 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White, is joined by Owen Lee to break down the FHFA's recent announcement that lenders can now use the VantageScore 4.0 with Fannie and Freddie—no new infrastructure required. Owen, who serves as Vice Chair of the MBA, unpacks what this change really means for loan officers and whether it's a genuine effort to lower credit report costs or just a flashy move from the same credit bureaus that already control the game. They dive into the skyrocketing cost of credit pulls, the oligarchy of the credit scoring world, and the practical challenges this update presents for pricing, mortgage insurance, and secondary market execution. You'll hear how VantageScore aims to help underserved borrowers—but also why it may not be the silver bullet it seems at first glance. This episode is packed with insight, industry advocacy, and some straight talk about where credit reporting is headed and how it could impact your daily business. Schedule a one-on-one free coaching call, click here or visit LoanOfficerStrategyCall.com.

Can the AI boom sustain current valuations, or is a reckoning coming? Lance Roberts examines how AI and Big Tech investing trends are shaping portfolios, whether rising interest rates will derail Tech stock market outlook, and the growing risks of regulation impact on Big Tech from Washington to Brussels. Markets are still flirting with all-time highs. Lance shares the latest Roberts Family Saga, and his Coldplay strategy. Is investor exuberance getting out of hand? Options expiring within 24-hours are at an all-time high: This is not hedging, this is pure betting. Lance discusses anticipated spending for AI, and identifies associated debt as productive (think, Hoover Dam) vs non-productive (entitlements), which is dis-inflationary. Buuy backs are a poor (non-productive) use of capital. * NOTE: The Real Investment Show will be 100% digital starting Monday, August 4, 2025. Please be sure you're SUBSCRIBED here to catch each episode! SEG-1: Mega-cap Earnings Preview SEG-2a: Another Roberts Family Saga & Coldplay SEG-2b: Market Exuberance is Getting Out of Hand SEG-3a: Paramount & Colbert Kill The Late Show SEG-3b: No Concerns for Market Correction...yet SEG-4: Productive Debt vs Stock Buy Backs Hosted by RIA Advisors RIA Advisors Chief Investment Strategist Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=dnE_SxbFc0c&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Articles mentioned in this report: "The Magnificent Seven Are Mediocre" https://realinvestmentadvice.com/resources/blog/the-magnificent-seven-are-mediocre/ ------- The latest installment of our new feature, Before the Bell, "Prepare Now for Correction," is here: https://youtu.be/VDnRZFc0Hpw ------- Our previous show is here: "Money Scripts & Credit Scores," https://www.youtube.com/watch?v=XaEHi-fSbuQ&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Articles mentioned in this report: "Retail Speculation Is Back With A Vengeance" https://realinvestmentadvice.com/resources/blog/retail-speculation-is-back-with-a-vengeance/ "Company Buybacks Are Surging" https://realinvestmentadvice.com/resources/blog/company-buybacks-are-surging/ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketRally #MarketRisk #MarketCorrection #MovingAverages #GravitationalPull #RiskManagement #PortfolioRisk #PortfolioManagement #BigTech #TechStocks #ArtificialIntelligence #FAANG #InvestingAdvice #Money #Investing

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 3205: Your credit score plays a crucial role in securing loans, housing, and favorable interest rates, but not all credit inquiries affect it the same way. Miranda Marquit explains the difference between harmless soft inquiries and the minor impact of hard inquiries, offering practical tips to protect your score while shopping for the best financial deals. Learn how understanding these distinctions can help you make smarter credit decisions without unnecessary stress. Read along with the original article(s) here:⁠ https://www.goodfinancialcents.com/will-credit-inquiries-hurt-your-credit-score/ Quotes to ponder: “Only the hard inquiry is damaging to your credit score.” “For the most part, if you are responsible with your money and credit decisions, make payments on time, and avoid applying for a great deal of debt, credit inquiries are unlikely to have a large impact on your credit score.” “Don't let a credit pull keep you from shopping around for lower rates.” Learn more about your ad choices. Visit megaphone.fm/adchoices

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