Your Credit Coach Kristi will share with you her years of experience in analyzing credit reports and share with you thoughts, tips, and knowledge on how to optimize your credit score and maximize your credit understanding. Listen to the guidance of someone who has deep insight into the world of credit and credit scores. Visit creditkristi.com or email questions@creditkristi.com NMLS #754092
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Are you "fixing" your credit by disputing everything negative? When people say they are “working on their credit,” they often mean someone is disputing every negative account on their report. But disputing information is not the same thing as fixing your credit. In this episode of Credit Coaching by Kristi, Kristi explains the difference between correcting inaccurate information, improving your…
This one blew my mind. The Federal Reserve did a 15 year study over 12 million people and found an equation for determining how long a relationship might last depending on the credit score gap. Woah- wait, what?! Your credit score and profile is so much more than just a report to determine your interest rate or if you will be approved for a loan... it is a report of character. The Federal Reserve…
In this episode, learn from Coach Kristi that the system is likely geared against you. You have to learn the rules of the game in order to win. It's not taught by our parents or in school, at least not the proper way, it is up to you to learn on your own. Otherwise, you are potentially paying tens of thousands of dollars over time in additional finance fees than you would with a great credit…
President Trump sure is shaking things up. Social media is a-buzz with his crazy antics. Last week he went on social and posted he was going to have credit card APRs get reduced to 10% for a year. The goal is that with the lower APR, more of your payment goes to reducing your credit card balance. BUT, there are things he is not thinking through that could actually hurt millions of people rather…
Before the action steps of paying off debt, getting out of debt, staying out debt, we really need to know a few angles in psychology that affects our spending and buying decisions. It even affects our commitments! Tune in to learn some really deep stuff about how the brain works when it comes to money decisions. Questions@creditkristi.com
So many adults overspend during the holidays because they’re trying to give their kids what they never had — not realizing they’re actually trying to heal a younger version of themselves. It’s love… but misdirected. And it often leads to debt and anxiety come January. This episode helps listeners: Spot emotional spending Understand their triggers Build boundaries that still let them be generous…
Millions of people feel like they are drowning in debt. $700+ car payments, tens of thousands in student loans and credit card balances, and month after month, payment after payment, it feels like a dent hasn't even been made. Listen in as your coach shares ideas and suggestions inspired by a podcast episode she was listening to from BiggerPockets.com. Questions@creditkristi.com Finish Financially…
In the not too distant past, smaller medical debts that become collections were no longer allowed to be added/reported to your credit report. Unpaid medical debt remains the leading cause of consumer credit damage.Well, a Texas judge recently overturned that and well... the CFPB (Consumer Financial Protection Bureau) doesn't seem to be putting the gloves on to fight this fight. So what can you do…
I read an article that gave some startling stats on Gen Z's: a BIG percentage are quite nervous, or more like anxious, about their credit profile. Many have not even checked their credit before! Yikes! If you are or know a Gen Z, please share this episode with them so they can learn the 5 pillars that is the foundation of their credit scores. Having a solid credit profile is essential to have a…
Do you utilize Buy Now, Pay Later loans? A few of them had shown up on credit (Affirm is known for reporting) but many only appear on your credit report if you are late or it becomes a collection. But starting Fall 2025, BNPL loans will be added to your credit profile, which can help lots of people with thin or no credit to establish a credit profile. If you are struggling with debt and need help…
