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 or a way out from under it all, consider https://www.nfcc.org/ to negotiate with your creditors for better terms and rates. These are non profit credit counseling agencies.

Please DO NOT go to National Debt Relief or a company similar. They will destroy your credit and stick your creditors.

Check out my Peopling book: https://a.co/d/6xC7A6F

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What is credit, really? It's usually... debt. This is why Dave Ramsey teaches and preaches the way he does- saying don't use credit cards. It's because most of us need guard rails against going into debt and getting into trouble.

Our society is being taught to borrow for everything- your furniture, your cell phone, and now, even your groceries with Buy Now Pay Later Loans.

I am going to throw a lot of info at you on this one, but take in the debt numbers and realize that as a country, we are in trouble- and I am not even talking about the $37 Trillion in National Debt. I am talking about that sizable household debt- even aside from mortgage loans- that are suffocating and burying us with debt payments. It's causing anxiety, frustration, friction and even health problems.

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Student loans were in forbearance for several years but now, for most people with student loans, the expectation and requirement is to repay those loans with scheduled monthly payments.

But approximately 24% of those with outstanding balances are not making payments! Yikes!

This is wrecking havoc on credit scores and profiles, not to mention potentially keeping people from getting approved for auto or home loans.

If you are one of the MILLIONS of people with student loans now back in repayment, listen in to the details.

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Are you dreaming of buying your home one day but your credit hasn't been cooperating?

Well great news! In a historic decision, the Federal Housing Finance Agency, the parent authority over Fannie Mae and Freddie Mac, has recently announced they are accepting VantageScore 4.0 to be accepted! Up until now, only FICO models were acceptable.

This change could help millions more show up on paper in a way that leads to loan approval, where in the past they may have experienced scores too low or credit too thin for approval. This is a GAME CHANGER and truly exciting!

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Millions of people are struggling financially. Listen in as your coach shares some guidance to help with some practical steps to create a spending plan (budget) .

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If you carry forward a large balance on your credit card month after month, there is a good chance that you have received a letter from a company such as Credit Associates LLC or National Debt Relief offering "Credit Card Debt Forgiveness" and stating you may be "entitled to a reduced settlement of your outstanding credit balance."

It's a trap that will cost you, not only a 25% fee but wreckage of your credit profile for years following.

Listen in as your coach reads you the contents of the letter and explains all the warning signs and offers alternatives.

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So we hear these APRs getting thrown around but how does that translate to payments and interest paid over time.

Your Credit Coach compares a mortgage payment (good credit vs. bad) and a car payment and shows what the result is of additional interest paid over 5 years. The costs may surprise you.

But what would YOU do with that money you didn't pay to interest and was able to save?

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Ever wonder what a "good" credit score is? And how is that even measured? According to FICO and Experian, a good credit score is...

Well check out the episode to learn more! And ways to get a good score and how to get to a GREAT credit score!

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In today's episode, Credit Kristi will share some essential facts about credit for those yearning to learn more about credit basics. Your coach shares some truth from her continuing education course for her Certified Credit Counseling certification where you can learn more about FICO® and credit basics in general.

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Buy the Finish Financially Free Book from Amazon here: https://a.co/d/04MdykF

Have you ever had an inquiry on your credit or got a call from a creditor asking questions about your credit application - but you didn't apply for a new line of credit? What do you do? Listen in as your credit coach shares how to add language of fraud to your profile, freeze your credit and even introduce you to identity theft protection.

If you want to have protection of your identity, Legal Shield has an identity protection for a very low cost and protects you up to $3million: https://andrewnowrouzi.legalshieldassociate.com/identity

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