As I round out my fourth year of providing insight and updates, I am sharing information from the Federal Reserve Bank of NY with their report of Household Debt and Credit. Also ideas and suggestions for managing debt.

Check out my books on Amazon! Finish Financially Free and First Home: Where to Start and How to Win.

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https://www.newyorkfed.org/medialibrary/Interactives/householdcredit/data/pdf/HHDC_2023Q3.pdf?sc_lang=en

Have you ever wondered just how much of an impact interest can have on your payments and cash flow? Listen in as Credit Kristi compares car and house payments due to the difference in available rates due to credit scores.

Have any new year goals (we don't do resolutions here, just goals!) for yourself? If not- why not?!!? If so, are the BIG!? They should be! Let's goooooo!

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Have you ever wondered just how much of an impact interest can have on your payments and cash flow? Listen in as Credit Kristi compares car and house payments due to the difference in available rates due to credit scores.

Have any new year goals (we don't do resolutions here, just goals!) for yourself? If not- why not?!!? If so, are the BIG!? They should be! Let's goooooo!

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I am asked more about collections than any other credit topic. The majority of the time is what to do with collections, what happens if I dispute it, what happens if I try to talk with the creditors, and what do I need to know to help in situations with collections.

Listen in as your credit coach explains what you need to know, what affects your credit the most when it comes to handling collections, to help position your credit profile as best as possible.

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D. Saul is a credit expert. He had started off fixing his own problems, then became so well versed solving issues for his friends and family, that he got into credit repair. He shares his wisdom and gems with us in this episode. And connect with him!

D.Saul's connection contacts:

If you have student loans, you know that they are going back into repayment status. What's unfortunate is many people have moved or have new contact info, so is the new loan servicer even able to track you down to start collecting your payment? Because Navient isn't servicing federally backed loans any longer!

Who you paid in the past may not be who you will be paying now (ohhhh, and I just thought about this, what about fraudulent scammers???).

Listen in to learn some national statistics and also how this will impact your credit report.

Check out my newest book! Finish Financially Free: https://a.co/d/0c7SBZc

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Looking for quick way to build a credit profile or improve an existing one? THIS is my #1 tip to quickly bring your score up with being added as an authorized user of an existing, good standing credit card. Your credit coach will share the details on how this can benefit your profile from adding debt utilization, long standing history and adding to your credit mix-quickly!! And without a credit inquiry!

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Are you headed off to college or care about someone who is? Listen in as your credit coach shares about the challenges of starting new credit, warnings about getting tripped up with new debt and bills, and some ways to cautiously begin your credit and money management journey.

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What Does money and marriage have in common!? If you are married, you are already listing the ways! Money management is one of the most important factors in a healthy marriage, and it necessary to work through together. 22% of divorces in the US list money as the predominant cause. Money is intimate, sensitive, and required to discuss in a healthy marriage. Listen in as your Credit Coach drops some knowledge when it comes to money and marriage.

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Brief overview about collections, and how medical and non-medical collections differ. What impact does a collection have on your credit profile?

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