Podcast appearances and mentions of paul oster

Credit Repair expert Paul Oster digs into the exploding trend of BUY NOW PAY LATER, peeps getting credit killed for junk. Then we revisit the topic on should we retest for drivers licenses, lots of calls.

The discussion focused on the urgency of preparing for the upcoming tax deadline and the increasing threat of tax fraud. Paul Oster explained various tactics used by scammers, such as smishing and phishing, and recommended measures like creating an identity protection PIN and setting up an online IRS account to safeguard personal information. He also addressed the implications of tax liens, encouraging individuals to confront these issues proactively, especially since the IRS is currently more lenient in accepting offers in compromise. The conversation highlighted the importance of awareness regarding scams, including a recent E-ZPass scam that targets individuals with misleading messages about account issues. Kerry Lutz and Paul Oster also examined the inefficiencies in government spending and the need for accountability in light of recent criticisms. They discussed the lack of transparency in taxpayer money allocation, particularly to wealthy private universities, and called for the establishment of efficiency departments to oversee large expenditures. The speakers advocated for reducing government spending and increasing tariffs to combat inflation, referencing the EU's recent decision to lower vehicle import duties as a positive example. They concluded by proposing a national sales tax as a more efficient alternative to income tax, emphasizing the potential for tax cuts without sacrificing essential programs if wasteful spending is addressed. Find Paul here: https://www.betterqualified.com Find Kerry here: http://financialsurvivalnetwork.com/ and here: https://inflation.cafe

Simon Conway's interview with Paul Oster during Tuesday's third hour.

Kerry Lutz introduced the topic of the recent decision to remove medical debt from credit reports, emphasizing its significance for consumers. Paul Oster elaborated on the positive implications of this change, noting that it will benefit approximately 15 million Americans by potentially increasing their credit scores by an average of 20 points. He clarified that this initiative does not eliminate or forgive medical debt but prevents it from adversely affecting credit ratings. Oster highlighted the broader economic context, including rising costs and higher interest rates, suggesting that this change could lead to more mortgage approvals and stimulate the housing market. Oster also discussed the ongoing challenges consumers face, particularly regarding affordability and persistent inflation, which may take longer to resolve than expected. He encouraged consumers to check their credit reports weekly through the official site, annualcreditreport.com, and to focus on maintaining a credit utilization ratio below 30%. Oster recommended strategies for debt elimination, such as analyzing personal finances, creating a household budget, and utilizing tools like Mint.com to identify savings opportunities. He emphasized the importance of paying down credit card debt for better financial returns and shared insights on how credit scores are influenced by payment history and utilization ratios. Throughout the discussion, Lutz engaged with Oster, expressing shared concerns about the unpredictability of credit scoring algorithms. Find Paul here: betterqualified.com Find Kerry here: https://financialsurvivalnetwork.com and here: https://inflation.cafe

Kerry Lutz and Paul Oster discussed the financial challenges associated with holiday shopping, particularly the risks of increased credit card usage and buy now, pay later options. They highlighted the likelihood of consumers facing a financial hangover in January due to overspending, which is often fueled by aggressive marketing strategies. Paul noted that many individuals still carry debt from the previous holiday season, contributing to a troubling trend of rising credit card debt. Both emphasized the importance of setting a budget for holiday gifts and suggested that personalized, meaningful gifts could be a more thoughtful alternative to expensive items. They also provided strategies for those new to budgeting, including assessing monthly income, cataloging expenses, and the necessity of maintaining a 12-month emergency fund. The conversation shifted to the implications of data security and financial regulations. Paul raised concerns about data brokers in the real estate sector who mishandle sensitive personal information, referencing a significant data breach that exposed millions of files. He noted that the Consumer Financial Protection Bureau is taking action against these brokers, particularly regarding mortgage applications. Additionally, Paul criticized excessive financial regulations that hinder lending practices, arguing for a focus on consumer protection rather than corporate overreach. Both speakers discussed the potential for emerging payment technologies, like direct bank-to-bank transactions, to disrupt traditional credit card companies, suggesting that consumers should adopt more efficient financial practices to navigate the evolving landscape of payment processing. Find Paul here: https://betterqualified.com/ Find Kerry here: https://financialsurvivalnetwork.com and here: https://inflation.cafe

Kerry Lutz hosted a discussion with Paul Oster from betterqualified.com, focusing on the implications of a 50 basis point cut and new student loan forbearance rules. Paul Oster noted that the rate cut would have minimal effects on consumers, recommending that borrowers maintain higher payments to expedite debt repayment. He provided strategies for managing credit card debt, including the use of 0% balance transfer options, and emphasized the importance of having a solid plan for credit management. As the freeze on income repayment programs for student loans is set to end on September 30th, Paul Oster urged borrowers to take proactive measures, utilize resources at studentaid.gov, and engage with their loan servicer's to avoid the consequences of missed payments. The conversation also highlighted the benefits of Better Qualified's AI-driven credit reporting service, which offers personalized insights and faster results, and encouraged listeners to take advantage of free consultations and sign up for a newsletter for more information. Find Paul here: Betterqualified Find Kerry here: FSN and here: Inflation.Cafe

Hour 1 for 9/30/24 Drew started the show with a Hurricane Update (:38). Caller: Are theme storms being seeded? Then, James Carafano joined the show to discuss Israel's increasing conflict with Lebanon (19:30). Finally, Paul Oster covered credit card debt and doom spending (33:55).  

Hour 3 for 9/3/24 Ed Morrissey was joined by Retired Lt. Col Dakota Wood to discuss Turkey and Israel (:35), and why Israel-Palestine is a Frozen Conflict (19:06). Then, Paul Oster of BetterQualified.com explained how to freeze credit (28:17), a big data breech (35:13), credit lock vs. freeze (42:26), and where should we freeze our credit (44:23). 

Kerry Lutz and Paul Oster discussed the prevalence of oversubscription and its impact on personal finances. They emphasized the importance of actively monitoring recurring charges and offered practical advice for consumers to take control of their subscriptions. The speakers also exposed the deceptive subscription practices employed by companies, making it arduous for consumers to cancel subscriptions. They urged consumers to actively monitor their bank and credit card statements, identifying and disputing unauthorized charges. The conversation also focused on the current state of consumer finances, highlighting the soaring credit card debt and high interest rates. Paul Oster provided valuable financial advice for consumers, stressing the importance of conducting an insurance protection audit to assess coverage and avoid overpaying for insurance. He also encouraged consumers to explore alternative health insurance options to effectively manage escalating healthcare costs. Additionally, Oster provided practical advice for managing household budgets and expenses, urging people to scrutinize their spending habits and seek opportunities for cost reduction. The speakers also discussed the significance of credit scores on daily financial decisions and encouraged individuals to focus on improving their credit and understanding the reasons behind low credit scores. Find Paul here: BetterQualified.com Find Kerry here: FSN and here: inflation.cafe

Kerry Lutz and Paul Oster discussed the impact of inflation on consumers, highlighting the surge in prices for everyday necessities and the challenges it poses for aspiring homeowners and retailers. They also raised concerns about the growing credit card debt, particularly among the younger population, and provided comprehensive advice on managing credit card debt, emphasizing the need to create a plan and prioritize payments. The conversation shed light on the multifaceted nature of credit scores and the significant financial implications they carry, stressing the importance of closely monitoring factors like utilization ratio, credit history, types of credit, and new credit, and offering practical advice for maintaining a healthy credit score. Find Paul here: betterqualified.com  Find Kerry here: FSN   and here: inflation.cafe

Thursday's "Connecticut Today" with host Paul Pacelli opened with Paul wondering why there's such a divergent message coming from many lawmakers in D.C. regarding the current Israel-Hamas War (00:30). Credit expert Paul Oster joined us to chat about the increasing use of "point-of-sale" loans by many retailers (13:11). Former Bridgeport Democratic State Rep. Chris Caruso stopped by with his weekly wrap-up (26:04) Image Credit: iStock / Getty Images Plus

The meeting covered a range of financial topics, including declining credit scores, evolving pricing strategies of retail stores, student loan debt, housing market concerns, psychological and societal factors in financial decision-making, budgeting for groceries, and debt repayment and financial planning. Speakers emphasized the need for individuals to take control of their financial situation by cutting expenses, accelerating debt elimination, seeking help from financial planners, and making deliberate financial choices. They also highlighted the importance of addressing high-interest credit card debt, conducting an insurance protection audit, and creating a household budget to mitigate the challenges posed by the changing economic landscape. The speakers underscored the pervasive influence of societal pressures, such as advertising and social media, on consumer behavior, and the emotional allure of luxury purchases. They emphasized the need for individuals to confront the reality of their financial limitations and make conscious, disciplined choices about spending. The discussion also touched on the significance of setting and adhering to a budget as a means of maintaining fiscal responsibility in the face of external pressures. Overall, the meeting provided practical insights and actionable advice for improving financial well-being and taking control of one's finances.

Kerry Lutz and Paul Oster discussed the impact of holiday spending on consumer debt, particularly credit card debt, and its detrimental effect on credit scores. They emphasized the need for consumers to address their credit card debt in 2024, highlighting the potential economic downturn and the severe consequences of missed payments on credit ratings. The speakers also discussed strategies for effectively managing credit card debt, including exploring lower-interest borrowing options, devising a clear and mathematical plan for debt repayment, and cutting unnecessary expenses. The discussion also focused on the pervasive influence of credit scores on financial transactions, highlighting the detrimental effects of lower credit scores on insurance premiums, utility deposits, and other expenses. The speakers emphasized the importance of taking proactive measures to improve credit scores and break the cycle of financial disadvantage. They recommended using free apps and software like mint.com and NerdWallet to manage debt and track expenses, and highlighted the essential role of individual commitment and discipline in the process. Additionally, Oster discussed the potential benefits of credit management programs and the power of reducing credit card interest rates to zero for the right individuals.

Paul Oster from bettercredit.com advises listeners to use prepaid gift cards to manage holiday spending and avoid credit card debt. He emphasizes the importance of having a plan and budget in place, paying off new balances within 90 days, and being disciplined to avoid financial stress. Oster also warns against cyber security threats and identity theft when shopping online, recommending the use of gift cards instead of debit cards and caution when clicking on links and ads. Kerry Lutz questions how many people will follow this advice, but Paul stresses the need for a change in behavior due to the current economic situation. They also discuss the serious consequences of credit card debt and provide practical advice on managing debt and improving credit scores, including contacting Better Qualified for a free consultation and analysis.

Morning news to start the day off, your calls, and Paul Oster, a credit-fixing specialist. What do you do if you are turned down for credit by A.I.? Happens more than one might think.

Kerry Lutz and Paul Oster discussed the concerning trend of balances receivables hitting one trillion dollars, which is a sign that people are drowning in debt. They explained how credit scores are affected by credit card balances and delinquencies, and how this can have a ripple effect on financial transactions such as buying a car or a home. They also highlighted the impact of credit scores on insurance policies and premiums, and how having a lower credit score can cost people significantly more money. Paul Oster warned of an impending recession and advised people to take proactive measures to prepare for it, such as cutting expenses, taking on a second job, and building an emergency reserve fund to avoid bankruptcy. Additionally, they discussed the dangers of debt and offered tips for getting out of it, emphasizing the importance of taking action and avoiding a fear mindset. Overall, they stressed the importance of managing debt and maintaining a good credit score to achieve financial freedom. Paul's site: https://BetterQualified.com FSN: https://FInancialSurvivalNetwork.com  

Referred to as 'America's Credit Repair Man'// President of Credit Repair Firm Better Qualified Paul Oster joins JT to discuss getting yourself out of credit card debt may seem daunting, but it's definitely possible.

In this episode of “...and Insurance,” host Aaron Levine, owner of LG Insurance, sits down with Paul Oster, founder and CEO of BetterQualified.  Paul Oster, the nations credit repairman, and BetterQualified, are known for turning business's credit around in 12 months with a strategic plan and transparency.  Throughout this episode Aaron and Paul touch on how your business and personal credit are connected, the process BetterQualified goes through with business owners and how credit score and the insurance score are intertwined.  Tune in for valuable insights on the world of credit and how it can help, or hurt you and your business.

Hour 3 of the Drew Mariani Show on 8-9-23 Christian Toto, Jake Moore, and Lauren Mercugliano all join in conversation with Drew about the new Barbie movie... what is it really about?  Paul Oster helps us understand what's going on with American credit card debt -- and how we can eliminate it

Kerry Lutz and Paul Otter discussed the Supreme Court's decision to strike down the current administration's plan to forgive student loan debt. They highlighted the potential impact on borrowers and the economy, including missed payments, higher credit card debt, and a decrease in credit scores. The need for Congress to revisit the student loan scheme and hold universities accountable for their role in creating the problem was also discussed. Both Kerry and Paul agreed that canceling the debt is not the solution and that Congress needs to find a way to solve the problem without causing pain elsewhere. They emphasized the importance of borrowers being proactive and having a plan in place to deal with their student loan debt. Go to Paul's site: https://BetterCredit.com Visit FSN: https://FinancialSurvivalNetwork.com  

So how can you prevent yourself from becoming a victim of smishing? Referred to as 'America's Credit Repair Man' // President of Credit Repair Firm Better Qualified Paul Oster joins JT to explain how.

June 16, 2023 ~ Paul Oster, 'America's Credit Repair Man,' President of Credit Repair Firm Better Qualified, breaks down Smishing, with Tom.

Paul Oster and Kerry Lutz discussed new scams and a new rule implemented by the current administration that will penalize creditworthy home buyers and reward dead beats. They discussed skimmers, shimmers, and cameras that are used to steal data from credit cards. They also discussed a proposal that will penalize creditworthy borrowers who are seeking FHA or federally backed mortgages. Paul suggested building new accounts and paying down credit card debt to raise credit scores. Useful links https://betterqualified.com https://FinancialSurvivalNetwork.com

Summary: Consumer credit appears to be crashing, and the rate of increase on credit card debt is slowing down, which means that there has never been a more opportune time to pay off your credit cards than now. Paul Oster, the CEO of Better Qualified, comes on the show to unpack what's happening with consumer credit, and why it is sinking at this particular time. Paul describes all of the pressures of the economy that are pushing the consumers under water; with providers raising prices left and right, driving costs up, it's getting difficult to tread water. Ultimately, we must change our behavior if we want a brighter, debt-less future. These changes can start with small savings, such as eliminating various monthly subscriptions. Paul says that consumers are often surprised to find that they have more money than they think, and have merely been spending it in the wrong places. Tune in for more insight.  Useful Links: Financial Survival Network Better Qualified

Summary: Property values are going down, interest rates are increasing, and it looks as if a recession is around the corner. What does this mean for your credit? I sit down and chat with Paul Oster about strategies for managing your credit during times like this; he emphasizes that it's crucial now to budget and lower your expenses. He recommends a few online tools that you can utilize to pay your bills on time and manage everything in one place, and you'll find that keeping your credit under control may be easier than you imagined. Tune in for more information. Highlights: -Hopefully this doesn't last long, but there's no doubt we're headed down a rabbit hole—if not a recession, a slow-down -In this environment, it is that much more important for people to pay attention to their credit score -Banks and creditors can use whatever score model they want to use -Focus on paying high interest credit cards off now -The only solution is to budget and lower your expenses; you need to run your household like a small business -Now is the time to change your behavior—you can't keep doing the same thing and expect different results -Put your bills on autopay -He recommends mint.com which puts all of your bills in one place and gives you alerts/spending analysis -nerdwallet.com is also a good resource Useful Links: Financial Survival Network Better Qualified

Summary: Credit repair expert Paul Oster comes on FSN to talk about the importance of paying off your debt—especially in our current economy. Since stimulus checks are no longer being issued, it's time to re-acclimate and formulate a plan for debt free living. As rates go up, it will take people more money and a longer period of time to pay off debt. Once you create a plan to get out of debt, you'll wish you had started sooner. Tune in for more insight from Paul, and visit his website for credit repair resources and coaching. Highlights: -The stimulus has run out, and defaults on housing are going up -Early on in a down-turn, we see 30-day lates with payments -We have to give people a chance to re-acclimate to reality -Consumers need to pay attention to their household budget -Middle to lower income families are the ones who are going to get hit the hardest -This is not a housing crisis at all—many factors have had a tremendous impact on all markets -The demand in housing is so high that it is driving prices through the roof -Most people in debt are not in a position to pay their current bills on time, and need to meet with a financial advisor -If we're going to get out of debt, where is the money coming from? It ultimately comes from cutting expenses Useful Links: Financial Survival Network Better Qualified

Summary: If you owe money or are concerned about your credit score, then this episode will be of interest to you. Paul Oster has been helping people restore their credit for over a decade, and comes on the show to give great tips for keeping an eye on your credit score and managing bills that will greatly impact this. Medical bills are especially important to be attentive to; anything under $500 no longer incurs a penalty, but amounts above this will impact your credit significantly. Don't forget to check your credit reports frequently, and tune in for more great insight on improving your credit. Highlights: -Some have stopped reporting certain medical collections -You are still obligated to pay your medical bills -For anything under $500, there is no longer a penalty if you haven't paid it -Average medical debt on credit reports is $500 -If you owe more, then it is important to figure this out so that your credit doesn't suffer -Remember that we can look at our credit reports every seven days for free (CARES Act) -If you have medical bills that you are worried about paying, reach out to the creditors -Oster helps people look for ways to correct Useful Links Financial Survival Network Better Qualified

Can your credit score effect your longevity? A new study indicates that there is at least a coincidental correlation between people with good credit living longer and people with poor credit, dying younger. Naturally, the causal relation is likely stress. When you have bad credit, your stress levels are higher leading to other signs of poor health. We talked about good credit, bad credit, and what you can do about it today on Wake Up Tri-Counties with 'America's Credit Repair Man' Paul Oster.

Summary: How can you reduce your balances and raise your credit score? Credit expert Paul Oster comes on the show to discuss this. As a result of the pandemic and the holidays, many adults have increased their credit balances significantly. It is highly important to analyze bills to minimize this debt, and closely track your spending. Tune in to hear more about how you can avoid credit card debt and make positive changes within your spending. Highlights: -Holiday spending returned to somewhat normal levels -Close to 50% of adults with a credit card debt increased these balances, not just over the holidays, but over the course of the pandemic -The number 1 priority for people should be minimizing credit card debt -It can be extremely beneficial to minimize subscriptions -Most consumers spend little or no time minimizing their credit card statements -Your credit score is either going to cost or save you money every month -Get copies of your credit report frequently to keep up to date with spending Useful Links: Financial Survival Network Better Qualified Student Loan Forgiveness with Paul Oster Paul Oster – Millennials Messing Up with Too Little Credit?

Hour 1 of The Drew Mariani Show on 1-3-22 Paul Oster joins Drew to talk about getting out of Holiday credit card debt Bruce Lachenauer shares insightful tips on how to land your dream job

Hour 1 of The Drew Mariani Show on 12-6-21 Paul Oster joins us to talk about some of the sneaky tactics that credit companies are using for “buy now- pay later” programs, especially during the holidays Nate Hochman speaks to holding onto the Christian virtue of Hope during tumultuous times, and resisting the temptation to […]

Summary: Student loan debt has been a pressing issue in our country for quite some time, with little progress in resolving it. I sit down and chat with Paul Oster to analyze some of the causes of this phenomenon, and possible ways out. It seems that we are in an endless cycle of finance companies lending out more money, causing institutions to up their prices. There needs to be more awareness around the implications of taking a loan, and the long-term financial commitment it entails. Highlights: -Student loan debt has been a pressing issue for quite some time -There has been talk of forgiving student loan debt—which is great in theory—but isn't necessarily feasible -What sounds great can be difficult to execute -We must consider who is going to help fund this -Student loan debt is something we have to get ahold of immediately; finance companies are lending more, so institutions are charging more. It's an endless cycle -In order to forgive this absurdly large sum of money, something has to give -The deferment period and relatively low interest rates make loans attractive -There needs to be a more in-depth discussion of these things and adequate planning before loans are taken so that people understand the consequences -Students don't receive enough information on all of the obligations of a loan—it can affect the rest of your life and set you back financially. -It is good for building credit, but only if all payments are made on time -There are lots of negative consequences that can come about in the case of emergencies -Income-based repayment entails paying back your loans based on what you can afford -The government is trying to solve a problem that they created—which typically just makes it worse -The opposite of financial education is financial ignorance, and at a younger age it's harder to make a decision that can harm the rest of your life -Your credit score is either going to save or cost you money every month Useful Links: BetterQualified Financial Survival Network "Millenials Messing Up with Too Little Credit?" with Paul Oster "Threat of RansomWare is Quickly Spreading" with Paul Oster

Personal Credit repair and credit management specialist Paul Oster talks about Wells Fargo closing down personal lines of credit and what this means to the average American.

Guests: Dr. Carol Swain, Founder of BeThePeopleNews.com, On to discuss the censorship of conservative voices on YouTube. Paul Oster, President of Better Qualified, On to discuss debt collectors coming after stimulus checks. Dan Yergin, Vice Chairman of IHS Markit, On to discuss the Suez Canal shutdown. See omnystudio.com/listener for privacy information.

Paul Oster, the CEO of credit repair & management firm Better Qualified, on how to navigate your financial issues during the Coronavirus pandemic. He talked about what to do with the possible free money from the Fed, how to better your finances overall, and how to cut spending so your money goes farther.

Paul Oster, the CEO of credit repair & management firm Better Qualified, on how to navigate your financial issues during the Coronavirus pandemic. He talked about what to do with the possible free money from the Fed, how to better your finances overall, and how to cut spending so your money goes farther.

In this episode, Jay and Paul discuss the benefit of having a true credit professional on your side when developing milestones in your life that are based on your credit. Paul started his business based on integrity and the willingness to help people learn how to make their lives better. Dive into this episode and see what we mean in our explanation, at the very end there are ways to contact Paul for all your credit needs. One of the biggest and simplest takeaways on this episode is: "Do what you say you are going to do." The culture of keeping your word has become less and less valued these days and what Paul has to say is entirely refreshing!

Time is of essence when you need money. It’s like those rainy days when nobody is going to hand you their umbrella if you don’t have one, so you need to be prepared. There are some steps you should follow, in order to improve your credit score, so that when you do need money, the process to obtain it gets easier.On today’s episode, I talk to Paul and Eric from Better Qualified about financial literacy and credit education. We touch on subjects like credit reports, business credits, joint accounts and they also share some tips for high school and college students.Paul Oster, FICO Pro is considered the "Nation's Credit Repairman" - a credit expert who has appeared on numerous network radio and TV shows (FOX BUSINESS NEWS, CBS, ABC, NBC, FOX, PIX11). He has also written for Kiplinger's, WSJ, and The Daily News. Mr. Oster is the founder and President of Better Qualified, LLC. Paul has over 20 years of experience in both the insurance and banking industries and, has dedicated his life as a consumer advocate. Paul is also proud to have served on the Board of Directors for the American Red Cross. His humor and intelligence are highly sought-after from executives in the C-Suite of major corporations. Eric Stuerken graduated the University of Binghamton in 92 - All American sprinter and national soccer team honors. He played football in Germany for a season after graduating. Athletics and entrepreneurship have always run through his veins and his various ventures. Eric is a co-founder of Better Qualified.So, listen to Episode 20 of Deposit That, to learn what are the steps you need to take to ensure you have cash when you need it.Questions I ask:How did you guys get started in the business? What's your story? What's your background? (00:44)They say there's a direct correlation between your financial health and your physical health. Do you believe that at all? (02:33)High school and college kids - what's your top two things you would tell them to begin building their credit from as early as a freshman in high school, all the way up to a senior in college? (20:42)I know one of your biggest businesses is business credits for LLCs. Do you guys want to touch on that? (28:21)What do you guys typically charge to establish somebody's business credit and if they call you guys with the code QB or Deposit That, what discount can you give them? (35:10)In this episode you will learn:The origins of “The Nation’s Credit Repairman” nickname. (07:08)The value that a sports background brings to entrepreneurship. (11:26)Why 90% of the credit reports in America are inaccurate. (14:23)About their credit monitoring program. (16:42)Paul’s and Eric’s Deposit That advice. (38:24)Connect with Paul:LinkedInBetter Qualified websiteConnect with Eric:LinkedIn See acast.com/privacy for privacy and opt-out information.

A college degree has long been seen as the key to a good job, but more Americans are carrying student loan debt these days. Americans now owe more than $1.5 trillion in student loans - and one study finds that 40% may default in the next four years. Walt talks to consumer debt expert Paul Oster about how to stay informed to avoid student loan struggles.

News 12's Walt Kane talks to financial planner Paul Oster about the "big brother" scenario in social media and how your insurance company may be observing your online behavior before underwriting your policy.

Co-hosts Lew Weiss and Tim Grady interview Mr. Paul Oster, CEO of Better Qualified, a business in Eatontown, NJ that can help owners and finance executives improve their credit rating to unlock the value in a business and increase the credit capacity the business can access to fund business growth.  Learn the process, the nuances, and discover how quickly your business can achieve a solid credit rating – even positioning it to stand on its own and get your personal credit and assets released from business loans.

May 10th - Paul Oster, John Schneider, Dr. Ian Smith, Mr. Skin

May 10th - Paul Oster, John Schneider, Dr. Ian Smith, Mr. Skin

Ransomware seems to be springing up all over. Imagine you're working on your computer one and find out that someone has encrypted your data and is demanding a Bitcoin payment to give you the key to unlock it. It's not just businesses that it's happening to, individuals are getting hit now too. Your best bet is to backup early and often. Then you should be able to get out of it with your data intact. Remember, backup early and often! Two backups minimum, local and a cloud backup service. 

Paul Oster is referred as “The Nation’s Credit Repair Man” and is CEO of Better Qualified, a nationwide credit repair company and is a cyber security expert. He talks about how important your credit score it, whether you should have more or less credit cards and what you should do if you fall behind on your bills. He also discusses why few Americans have emergency savings and why it’s so tough to get a handle on their finances.

Paul Oster a nationally recognized credit and identity theft expert explains how virtually every current federal employee's crucial personal data is now available for sale on the dark web. This isn't just a nightmare for them, it's a national disaster. It means that no one's personal data is safe. There's only way to keep a potential data breach from becoming an identity theft nightare to you and that's KeepMyId.Org. It's the only service that actually prevents identity theft.  To keep your identity safe now go to www.KeepMyId.Org and be sure to use the Code FSN2.

You've probably heard by now how a group of low tech hackers managed to steal at least a billion dollars from banks around the globe, in a very short time period. They did it by sending emails with infected links to banks employees. Once they were in the rest was easy. Paul Oster, noted identity theft expert and credit authority explains that virtually everyone with a dollar in the bank or an active credit card is a sitting duck. The only thing you can do is set up an idenity theft protection service and be prepared. To prevent your identity from being stolen go to KeepMyId.org and be sure to use the discount code FSN2! It's the only service that actually freezes your credit reports and prevents identity theives from openining up new accounts in your name. 

Health care data is increasingly vulnerable to hackers. On this episode, Paul Oster discussed protecting health care data.