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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Looking for some quick tips to improve your credit ASAP? I got you! Listen in to learn best tips to improve (or build) your credit profile quickly.

Some of the places Coach Kristi references:

To pull your free credit report: https://www.annualcreditreport.com/

Self.inc for the credit builder account: https://www.self.inc/blog/what-is-a-credit-builder-loan

Reporting rent through Self.inc: https://learn.self.inc/lpg/mpa/rent-bills-landing/?_gl=1*1igfd3o*_gcl_au*ODQ1NTA0NzY3LjE3MTE5ODY3NDE.

Experian Boost: https://www.experian.com/consumer-products/score-boost.html

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As a matter of protection, I recommend you freeze your credit.

What does it mean to have your credit frozen?

How does it benefit me?

What if I need to access my credit?

What if I am a victim of fraudulent activity?

Listen in as your credit coach breaks it all down for you.

To freeze your credit, set up an account with each credit reporting bureau and once set up and logged in, look for "freeze my credit" to place the freeze. That's it!

Equifax.com or 800-349-9960

Transunion.com or 888-909-8872

Experian.com or 888-397-3742

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Are you desiring to grow and expand your business? Needing financing opportunities and a great business credit profile? Listen in as your Credit Coach interviews business credit expert Christi DiCenso of JGalt.

This knowledge can help your business optimize cashflow, manage growth and create a great business credit score so you don't have to personally back lines of credit (which can hinder business growth and potentially hurt your personal credit).

[email protected] for email

jgalt.io/Christiallie website

407-865-4557 direct cell