[I]f you are working to build or rebuild credit, you should take some time to learn from the experts. Here are some experts worth listening to.
Want to get the highest credit score?
Listen for some great advice from Anthony Sprauve with MyFico.com on what characteristics are common to people with high credit scores. He answers detailed questions that you may have like how many accounts they have and what you can do to get a higher score. He is the director of public relations for the popular site.
Get the facts on credit scores
If you want to learn the facts about credit and understand the truths behind some popular myths, you will want to listen to Tom Quinn. He will tell you if your income can help your score or if an inquiry will hurt it. He compares short sales and foreclosures on your credit.
Tom Quinn is the vice president at myFico and has written on the subject of credit. He also worked at FICO as the Vice President of Scoring as part of his 15 years with the company.
How to raise your credit score fast
How would you like to see your credit score improve in 90 days? Jeanne Kelly tells you how you can make improvements in your credit that will help you see results. There are no shortcuts on this podcast, but the tips provide long-term benefits.
Jeanne Kelly wrote the book, The 90 Day Credit Challenge, and has worked as a credit coach for people looking for guidance.
She has even appeared on The Today Show.
How credit scores really work
If you just want to understand the basics of credit scoring as your first step to building or improving credit, this podcast will give you the information you need. It tells you how they are created and how they are calculated. Listen to Barry Paperno to find answers to some of the most common questions people ask.
Barry Paperno has vast experience on this subject, having worked for FICO, Bank of America, Experian, and other companies.
[W]hether you are just starting out on your own or just starting over, one of the most important things you can do is learn how to budget. Many people think they know how to budget, but they fail to stick with it. So, the goal is to not just create a budget, but to create […]
[I]f you’ve been learning about credit, one of the first things you’ll hear is you can’t get credit if you don’t have credit. It often seems to be a Catch-22; no one will give you credit so you can’t get established with a credit history so you can get new credit. With diligent effort, you […]
[S]ometimes when you are filling out a rental or job application, you’ll come to a page that asks you to sign and authorize a credit check. Most people will sign it, hoping for the best if they have less than perfect credit. Even when you do sign it, you may wonder if that was the […]
[I]f you’ve applied for a job, you may have been asked to provide authorization for the potential employer to look at your credit report. While you signed it just to be considered for the job, you may wonder why they need to know about your credit history. What are employers looking at when they review […]
[Y]ou hear all about the minimum credit score needed to get a credit card or loan. It seems like this one magic number seals your fate. You wonder if creditors or lenders even look at the information in your credit report or if they just use that number to get a decision for your application. […]
[T]here’s a lot of information on a credit report. If you’ve ever requested a free copy of your credit report, you may have been overwhelmed at all of the stuff on there. It makes you wonder what creditors and lenders really look at. Do they read every line or do they skim? If they skim, […]
[A]fter the recession of 2008, more people have become conscious of debt. Some of them have decided to give up using credit cards or other forms of credit in favor of a cash-only approach. While this is a good idea for people with bad spending habits or those who have a tendency to live beyond […]