Looking to have a big improvement to your score, almost immediately? Listen in for my favorite tip to help make this happen. Now, it won't make any "bad" credit go away, but it will help drive your score up with longstanding history added and additional debt utilization in the mix of things. 

With millions of people unemployed or furloughed, it is going to prove to be a challenging time to pay bills and put food on the table. Since delivering groceries taking on a (temporary) part time job isn't an option for many or most people, listen in for suggestions to stretch the dollar and avoid putting bills on your high-interest credit cards. This too shall pass! Let's stay in gratitude and stay focused on the big picture.

You may have heard about disputes but unsure what to do, when to do it, how to do it, and if it will even help you. Listen in to learn some details about disputing errors and collections that are reported on your credit report.

It's often SOOOOO easy to just swipe the credit card for a purchase or to sign a few papers and get another semester paid for. But have you looked into what it actually costs you, in dollars and cents, when you borrow money? We know we are paying "interest" to borrow, but have you seen the numbers? Warning: this should hurt! I want you hate how it feels in the cost to borrow money. I am exposing in this episode what the actual monetary cost is to you. 

What is a good score? 620? 700? Wonder where you line up in the world what is considered a "good" credit score? Listen in to find out what a good credit score is in Kristi's opinion, and how to keep or increase your score. And what reports to your credit report, anyway? Does your bank balance report? Marital status? Payment history? Find out now!

Going through a divorce can be messy, emotionally devastating and have a horrific effect on your your well-being, and your credit. Many people experience plunging credit scores due to their actions they have to endure going through a divorce with additional costs and expenses and experiencing so much change at one time. Listen in to learn some tips to protect your credit and finances during this tough time.

Most of us have a car loan, so what happens when you pay that car loan off,  either paid in full or selling that car and getting a new one.  How does that effect your credit score? And what impact does student loans have on your credit report? Listen in for tips!

Inquiries have an effect on your credit score. An impact of 10% of what makes up your credit score.  There is a difference between a hard and a soft credit inquiry, often referred to as a  "pull." So what is a soft inquiry and what is a hard inquiry? Listen in! 

Ever feel like something is too good to be true? Please use caution when accepting a 0% interest only credit card- if that time runs out and you are not prepared, it can REALLY cost you. Don't learn this lesson the hard way! Listen in to learn some tips and what to be weary of when it comes to these offers from creditors.

Looking to have a great credit score but not sure what it takes? It's simple- just follow these few steps to begin creating great credit history.