The holidays can get the best of us! Crazy schedules, overstretched budgets, dinner parties, get togethers, and all sorts of tidings and joy! 

Don't break the bank and don't max out those credit cards! Listen in for some tips on how to create your list (check it twice!), set a limit and keep track of your spending. 

Happy holiday to you! Wishing you the best this holiday season. Thanks for listening!

Did you know there are certain things you can negotiate on your credit card terms? From the date your bill is due to be paid to your APR, there are several things you can control when it comes to your credit card. 

Listen in to learn some tips and pointers from your credit coach. 

@Credit Kristi on all social media platforms

[email protected]

Big changes coming into the arena for credit profiles when it comes to what is reported and HOW it is viewed with the scoring model. If you are working towards becoming a homeowner in the near future, listen in! In less than 5 minutes, you will learn 2 major changes taking place right now in the mortgage world when it comes to viewing credit.

I am asked about credit repair companies quite often. In full disclosure, I haven't personally worked with them. I just know that MOST credit reports I see don't require hiring a credit repair company. In most cases, it's a matter of paying off or making right some past wrongs, getting on time payments and current debts reflecting on your report and cleaning up some inaccuracies that might appear. It's a HUGE industry making a ton of money so listen it to see if credit repair is something you need to pay for. You might be able to correct and improve some things on your own.

Being in my 40s, I can tell you some lessons we have to learn the hard way, and some we CHOOSE to learn the hard way because we just don't always listen to those wiser and more experienced. I wish I had someone teaching me and guiding me financially and with my credit decisions so it didn't take me years to bail out of my poor money choices. 

Listen in as you credit coach discusses 5 things she wished she learned earlier in life. Maybe you can avoid a lesson learned the hard way!

[email protected]

Shawn Yesner is an attorney in the Tampa Bay area specializing in Bankruptcy and Foreclosure Law. Tune in as I ask Shawn some questions regarding how much debt should you be in to consider a bankruptcy, what about student loans, your home, and even IRS debt? He covers that! And check out his podcast called Crushing Debt and his website, Yesnerlaw.com.

Contact Kristi at [email protected]

Fannie Mae, the entity that creates the guidelines that most banks and lender abide by has recently made a major change to the credit score used for approval. This is a MAJOR change to allow more buyers to qualify and to serve a wider market. Listen in to this short and sweet episode to learn of the newly implemented change. Can this help YOU?

YouTube Channel: Your Loan Superhero  and also  Credit Kristi

Hey graduate! First of all- congrats to you!!! So proud of you! Okay- so NOW what? Out of college, into career- and what kind of teaching or training have you had on how to manage your bills, not get caught up in (more) debt, how to get out of debt, and manage your next steps well? Give me 13 minutes and I have a great overview on steps to help get you started!

[email protected]

Ever feel like success is for other people? That it can't happen to you or for you? I want to introduce you to an awesome couple, Nick and Brooke. They believed that too. But thankfully, they listened to some people in their lives, got into action, and are living a very different life this year than years past. They didn't come from money, no hand outs, no special programs. They sought advice, got into action, created a budget and decided to stop living in a state of scarcity! You too are worthy of abundance! It starts with changing our mindset, getting into action to remedy our wrong doings, and in that responsibility, comes reward. Listen to their story, and perhaps yours can be just as successful. I believe it can!

[email protected]

YouTube Channels: Credit Kristi and Your Loan Superhero