Credit Coaching by Kristi

Is your significant other's credit profile and score causing some tension in the relationship? In addition to the obvious of having to pay higher interest or not qualify for financing at all due to lower scores, there could be an emotional component to your partner having poor credit profile that is bringing you down in multiple ways.

How do you have a conversation about money and credit and behaviors and actions? Carefully- that's how! Listen in as your coach gives you some practical guidance on how to approach the conversation and set up some boundaries to work your way through it in order to create an actionable plan!

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Have you heard of the term "credit sweep" or credit washing? I hadn't either until recently. Not only does it sound too good to be true- it's illegal!

Please be careful with "quick fixes" as they often aren't what they might appear to be. If someone is saying they can remove derogatory items from your credit report- be cautious!

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The Big Credit Bureaus are selling your information - and they are making bank by doing so!

Listen in as you Coach shares 2 ways to protect your information from being sold to companies who want to know your profile and solicit to you.

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https://www.optoutprescreen.com/ to opt out

To freeze your credit:

Experian.com

Equifax.com

Transunion.com

https://www.innovis.com/

Have you wondered, what is worse? Bad credit or no credit?

Listen in to learn what "the decision makers" when it comes to extending credit want to see.

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Let's listen in to some additional details regarding zero percent balance transfers on credit cards.

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Credit card balances are at the highest level in history. In fact, over $1.115 TRILLION is the current outstanding credit card balances for Americans! 1 in every 5 credit card holders are "maxed out" meaning they have greater than 90% of their limit as a balance. APRs are also the highest we've seen, ever! What is going on and what can we do about it?

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There is a very important term in finance called Debt Ratio. You should have an understanding of what it means, what it says about you and your spending/debt load, and why it's important to keep it in check.

Whether you are thinking about and preparing to buy a home or just want to figure out your debt levels and adjust what's not working in your life, understanding your DTI (Debt To Income) Ratio is an important one to know!

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As a mortgage broker, I see the entire financial picture of someone applying for a loan. That is what drove me to start this podcast over 4 years ago, is because time and time again I would spend time coaching people on what to do to improve their credit so they can qualify for a mortgage.

The #1 reason for mortgage declines is insufficient credit. Listen in as your credit coach breaks it down as to what is needed, how to improve your credit and what underwriters for the lender is looking for to issue an approval. You will also learn the #2 reason and how it is calculated.

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www.buildanagent.com for newer Realtors

Have you applied for a credit card and then found out... you were denied?! There are various reasons that could be the culprit, so listen in to your credit coach as Kristi shares some of the top reasons for not being approved if you applied for a credit card.

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I am hearing from a lot of people that they are carrying large credit card balances forward each month, not intentionally, but because the cost of living is so high. Listen in (if this is you, you are not alone) and hear some suggestions on what to do about it.

Check out this cost of living calculator:

https://www.bankrate.com/real-estate/cost-of-living-calculator/

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