Want to make REAL change in your financial life this new year? Let's go!

Listen in as your credit coach gives some ideas and suggestions on how to make real and lasting change in your credit. Make more than a dent- smash that debt this year and let 2025 be the year you got OUT of credit card and consumer debt and make big strides towards your bigger goals.

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Social media makes anyone able to present themselves as an expert on any topic they select. Unfortunately, there is a TON of really poor information out there that simply isn't true.

Not knowing might waste time or cost you money or unnecessary stress. Share a little time with your credit coach to bust some myths, learn what is TRUE about credit and better understand the rules.

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Unfortunately, companies like National Debt Relief are spending a ton of money getting in front of people that carry debt to manipulate and deceive you into believing their debt settlement program is the relief you have been seeking. They are the last resort- please don't work with a debt settlement if you can try other options first.

Your credit coach explains 3 other options to try prior to debt settlement, including Credit Counseling agencies.

Check out National Foundation for Credit Counseling first: https://www.nfcc.org/

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What other time of the year takes so much out of us- financially and otherwise?! Don't let gift giving pull you down! Make plan, be ready, take some precautions and DON'T max out your credit cards!

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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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