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Did your credit score suddenly drop after maxing out a credit card? Don't panic, it may be easier to fix than you think. In this episode, I explain how revolving lines of credit, credit utilization, and statement cutoff dates can dramatically impact your credit score, especially if you're preparing to buy a home. You'll learn why maxed-out credit cards can lower your scores, how quickly your credit can recover after paying them off, and what mortgage lenders look for when reviewing your credit report. If you're planning to qualify for the best mortgage rates or simply want to improve your credit score, these tips can help you avoid costly mistakes and stay on track.

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Maxing out your credit cards can have a much bigger impact on your credit score than most people realize. In this episode, I break down one of the biggest credit myths, that carrying a balance helps your score, and explain why paying down revolving credit is often the fastest way to improve your credit. I also share a real client story where paying off a high credit card balance and completing a rapid rescore increased a middle credit score from 618 to 664, making a refinance possible. We’ll also discuss the difference between revolving credit and installment loans, why payment history and credit age matter, and practical strategies to help keep your credit score moving in the right direction. Plus, I preview upcoming changes to medical collections reporting that we'll cover in the next episode.

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Want to improve your credit score in as little as 30 days? In this episode of Adulting and Afraid, Deb the Mortgage Queen shares five simple credit card strategies that can help transform your credit by lowering utilization, avoiding interest, and building healthy financial habits. Learn why you should treat your credit card like a debit card, how statement closing dates and payment due dates affect your credit score, and why paying your balance before it reports can make a huge difference. Whether you're trying to qualify for a mortgage, improve your financial health, or build excellent credit, these practical credit tips can help you take control of your finances and use revolving credit the right way.

Deborah Criddle, Regal Mortgage, Branch Manager, NMLS 20009 

www.regalmtg.com 

Email: [email protected] 

Text/Call: 208-313-6886 

Schedule Your Free Online Consultation Below To Discuss Your Credit Situation: https://bookings.cloud.microsoft/book/[email protected]

Regal Mortgage is powered by © 2025 Premier Mortgage Resources, LLC (“PMR”) | NMLS #1169 www.nmlsconsumeraccess.org | 3363 Presidential Dr. #200, Meridian, ID 83642 | Equal Housing Opportunity | Not an offer to extend credit or a commitment to lend.  Terms subject to change without notice. For additional disclaimers, please visit: pmrloans.com/disclaimers. PMR is not affiliated with or an agency of the federal government. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax-deductible for federal income tax purposes and the consumer should consult a tax adviser for further information regarding the deductibility of interest and charges.

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In this episode of Adulting and Afraid, Deborah sits down with her good friend Julie Hawkes, an energy healer whose passion is helping people create better, more balanced lives.

Julie shares what energy healing really is (and what it isn’t), how our thoughts and emotions can impact our daily lives, and simple ways people can start becoming more aware of their own energy. Whether you're feeling stuck, overwhelmed, or just curious about new ways to improve your well-being, this conversation offers a fresh perspective on personal growth and self-care.

If you've ever wondered how to feel more aligned, more confident, and more in control of your life, this episode is for you. Julie’s heart-centered approach will leave you thinking differently about the power you already have within yourself.

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Neuropathy affects millions, but most treatments only mask the pain with medications like gabapentin, without fixing the underlying cause. In this video, Deborah the “Mortgage Queen” sits down with an Idaho Falls chiropractor to explain a new protocol that targets the root causes of nerve damage: blood sugar imbalances, chronic inflammation, and poor circulation. Learn how this approach combines at-home lifestyle changes, red light therapy, nitric oxide supplementation, and nerve retraining to restore nerve function, improve balance, and reduce dependence on medication.

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I guess I get to be put to the test as Tory comes and shares what he knows and what he has learned.  Who knows, did I get an F in teaching class or a B-?  Guess you will have to listen and grade it!  Listen from someone who has just entered the credit world.  Ya know you want to!  

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Job jumped?  Recently Self Employed?  Plan to be self employed?  I cover all things employment and why.   This is worth the listen if you are interested in buying a home and have a few changes in your employment world.  

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LET'S DEBUNK 1 QUICK THEORY ON CASH, LETS TALK ABOUT EARL AND BILL.  ARE YOU READY TO TAKE A PLUNGE?

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You do not need 5 new trade-ins to have good scores.  You do not need 10 lines of credit.  Slow down, do these in a proper fashion in your budget fool!  BUDGET!  Do not over extend.  

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Medical bills are so dumb!  Some get reported to credit, some you cannot even find because they sale the account to different collection agencies.... So what now?  WE ARE GONNA FIGHT A BATTLE ALL!  1