I'm answering YOUR questions on this special Credit Q&A in the Hangout Episode and the question for today is "What does my credit score need to be to purchase a home in 2026?"

But I always keep it real so I have to break this down for you and really unpack what will go into getting you approved because the credit score is JUST 1 of the boxes you need to check. After this episode you will be fully prepared to get to work on getting that new home this year!

Correction from the episode.. It is 10% down now when you have a lower credit score! You will know which part of the episode I am talking about...

And after the episode if you still need additional help I’ve taken it a couple steps further and put together a Do it Yourself Credit Repair E Book as well to really help you take off with repairing your credit. 

With the E book you’ll get:

Step by step instructions to repair your credit 

Pre typed dispute letters that I’ve had great success with 

Email support from me in case you get stuck along the way 

And more…

Grab it here at the linktree further down

And as always come on in, kick back, and enjoy this episode!

Be sure to leave a review and let me know if you’re enjoying the podcast 

Things to do also to help your credit!

Check out the Credit Repair Hangout YouTube Channel with helpful credit repair videos

Get a copy of your 3 bureau credit report for just $1

Purchase every good dispute letter I ever sent for just $14.99 (Like the ones that got me tons of deletions for my credit repair business)

You can find the links to these helpful resources right here ⁠ https://linktr.ee/thecreditrepairhangout

Some links mentioned in these episodes are affiliate links and I will get a small commission. But trust that I only mention products that I’ve personally used myself and have had great experiences with so I know they are trustworthy and I am confident they will help you the way they’ve helped me

About me: I am a Credit Repair business owner, Podcaster, and now YouTuber that will make episodes to help you improve your credit and financial situation so that you can live happier! 

Follow my personal social media if you want to stay connected: TikTok: @ehicksda1

Intro Music: Smile by JustCordell

This is podcast is for you if you've ever wanted to learn:

How to fix your credit on your own

How to get better at disputing items on your credit report

How to remove late payments

How to remove collection accounts

How to build credit

How to make repairing your credit easier

How to better manage your finances

How to get approved for cars

How to get approved for homes

How to get approved for credit cards

How to get approved for business funding

It’s the new year so let’s cut the fluff this episode and give you exactly what you came for!

In this episode I’m going over the only 3 things you need to focus on that’s guaranteed to repair your credit in 2026!!!

And after the episode if you still need additional help I’ve taken it a couple steps further and put together a Do it Yourself Credit Repair E Book as well to really help you take off with repairing your credit.

With the E book you’ll get:

• ​Step by step instructions to repair your credit
• ​Pre typed dispute letters that I’ve had great success with
• ​Email support from me in case you get stuck along the way
• ​And more…
• ​Grab it here at the linktree further down
• ​

And as always come on in, kick back, and enjoy this episode!

Be sure to leave a review and let me know if you’re enjoying the podcast

Things to do also to help your credit!

• ​Check out the Credit Repair Hangout YouTube Channel with helpful credit repair videos
• ​Get a copy of your 3 bureau credit report for just $1
• ​Purchase every good dispute letter I ever sent for just $14.99 (Like the ones that got me tons of deletions for my credit repair business)

You can find the links to these helpful resources right here ⁠ https://linktr.ee/thecreditrepairhangout

Some links mentioned in these episodes are affiliate links and I will get a small commission. But trust that I only mention products that I’ve personally used myself and have had great experiences with so I know they are trustworthy and I am confident they will help you the way they’ve helped me

About me: I am a Credit Repair business owner, Podcaster, and now YouTuber that will make episodes to help you improve your credit and financial situation so that you can live happier!

Follow my personal social media if you want to stay connected: TikTok: @ehicksda1

Intro Music: Smile by JustCordell

This is podcast is for you if you've ever wanted to learn:

How to fix your credit on your own

How to get better at disputing items on your credit report

How to remove late payments

How to remove collection accounts

How to build credit

How to make repairing your credit easier

How to better manage your finances

How to get approved for cars

How to get approved for homes

How to get approved for credit cards

How to get approved for business funding

Have you ever felt like an entire year flies by and the goals you had set for the year just flopped?

Well what if I told you that it’s all because of 1 simple thing? And that thing is “CLUTTER”

But maybe not exactly the kind of clutter you’re thinking about…

So on this episode I’ll be talking about the kind of clutter that’s been slowing your credit and financial goals down and how to get it out of your life and finally WIN!!!

And after the episode if you need additional help I’ve taken it a couple steps further and put together a Do it Yourself Credit Repair E Book as well to really help you take off with repairing your credit.

With the E book you’ll get:

• ​Step by step instructions to repair your credit
• ​Pre typed dispute letters that I’ve had great success with
• ​Email support from me in case you get stuck along the way

And more…

Grab it here at the linktree further down

And as always come on in, kick back, and enjoy this episode!

Be sure to leave a review and let me know if you’re enjoying the podcast

And check out new video episodes on our YouTube Channel “The Credit Repair Hangout” ⁠We will be interviewing guests now so be sure not to miss these episodes where we dive deep!

Things to do also to help your credit!

• ​Listen to weekly episodes of our podcast “The Credit Repair Hangout”
• ​Get a copy of your 3 bureau credit report for just $1
• ​Purchase every good dispute letter I ever sent for just $14.99 (Like the ones that got me tons of deletions for my credit repair business)
• ​Download a copy of our Credit Booster Guide for First Time Homebuyers
• ​

You can find the links to these helpful resources right here ⁠ https://linktr.ee/thecreditrepairhangout

Some links mentioned in these episodes are affiliate links and I will get a small commission. But trust that I only mention products that I’ve personally used myself and have had great experiences with so I know they are trustworthy and I am confident they will help you the way they’ve helped me

About me: I am a Credit Repair business owner, Podcaster, and now YouTuber that will make episodes to help you improve your credit and financial situation so that you can live happier!

Follow my personal social media if you want to stay connected:

Personal Instagram: @2focused_e

TikTok: @ehicksda1

Intro Music: Smile by JustCordell

This is podcast is for you if you've ever wanted to learn:

How to fix your credit on your own

How to get better at disputing items on your credit report

How to remove late payments

How to remove collection accounts

How to build credit

How to make repairing your credit easier

How to better manage your finances

How to get approved for cars

How to get approved for homes

How to get approved for credit cards

How to get approved for business funding

I’m answering YOUR credit questions every week in the Credit Repair Hangout now so let’s slide into another Q&A episode with a great question from a loyal listener and that question is “Should I repair my credit or Should I file bankruptcy?”

If you’ve been on the fence confused because there is so much information and misinformation online about filing bankruptcy or the process of repairing your credit then this is the episode for you. Come on in and let’s talk about it!

Be sure to leave a review and let me know if you’re enjoying the podcast

And check out new video episodes on our YouTube Channel “The Credit Repair Hangout”

We will be interviewing guests now so be sure not to miss these episodes where we dive deep!

Things to do also to help your credit!

• ​Listen to weekly episodes of our podcast “The Credit Repair Hangout” a
• ​Get a copy of your 3 bureau credit report for just $1
• ​Purchase every good dispute letter I ever sent for just $14.99 (Like the ones that got me tons of deletions for my credit repair business)
• ​Download a copy of our Credit Booster Guide for First Time Homebuyers
• ​Get my DIY Ebook to repair your own credit

You can find the links to these helpful resources right here https://linktr.ee/thecreditrepairhangout

Some links mentioned in these episodes are affiliate links and I will get a small commission. But trust that I only mention products that I’ve personally used myself and have had great experiences with so I know they are trustworthy and I am confident they will help you the way they’ve helped me

About me: I am a Credit Repair business owner, Podcaster, and now YouTuber that will make episodes to help you improve your credit and financial situation so that you can live happier!

Follow us on social media:

Instagram: @thecreditrepairhangout

Personal Instagram: @2focused_e

TikTok: @ehicksda1

Intro Music: Smile by JustCordell

Ever feel like you’re just going through the motions everyday, stuck in the same position, and feeling like you’ll never be in a better credit situation?

Well if so, you’re not the only one and trust me that here at The Credit Repair Hangout you have found your people!

So on this episode I’ll be talking about how simply making the right “Shift” is going to make all ten difference in your credit repair journey.

And after the episode if you need additional help I’ve taken it a couple steps further and put together a Do it Yourself Credit Repair E Book as well to really help you take off with repairing your credit.

With the E book you’ll get:

• ​Step by step instructions to repair your credit
• ​Pre typed dispute letters that I’ve had great success with
• ​Email support from me in case you get stuck along the way
• ​And more…

Grab it here at the linktree further down

And as always come on in, kick back, and enjoy this episode!

Be sure to leave a review and let me know if you’re enjoying the podcast

And check out new video episodes on our YouTube Channel “The Credit Repair Hangout” ⁠We will be interviewing guests now so be sure not to miss these episodes where we dive deep!

Things to do also to help your credit!

• ​Listen to weekly episodes of our podcast “The Credit Repair Hangout”
• ​Get a copy of your 3 bureau credit report for just $1
• ​Purchase every good dispute letter I ever sent for just $14.99 (Like the ones that got me tons of deletions for my credit repair business)
• ​Download a copy of our Credit Booster Guide for First Time Homebuyers

You can find the links to these helpful resources right here ⁠ https://linktr.ee/thecreditrepairhangout

Some links mentioned in these episodes are affiliate links and I will get a small commission. But trust that I only mention products that I’ve personally used myself and have had great experiences with so I know they are trustworthy and I am confident they will help you the way they’ve helped me

About me: I am a Credit Repair business owner, Podcaster, and now YouTuber that will make episodes to help you improve your credit and financial situation so that you can live happier!

Follow us on social media:

Instagram: @thecreditrepairhangout

Personal Instagram: @2focused_e

TikTok: @ehicksda1

Intro Music: Smile by JustCordell

This is podcast is for you if you've ever wanted to learn:

How to fix your credit on your own

How to get better at disputing items on your credit report

How to remove late payments

How to remove collection accounts

How to build credit

How to make repairing your credit easier

How to better manage your finances

How to get approved for cars

How to get approved for homes

How to get approved for credit cards

How to get approved for business funding

Ever wondered how some people repair their credit effortlessly and get their lives back on track?

You see them in front of their brand new home they just closed on or at the car dealership purchasing a brand new car and thinking wondering how did they do it but I’m still stuck???

Well turns out that repairing your credit and getting your life back on track has a lot in common with a pilot flying an airplane… don’t worry I’ll dive into this and make it make sense!

So on this episode I’ll be showing you how to repair your credit like you’re an airplane pilot!

And after the episode if you need additional help I’ve taken it a couple steps further and put together a Do it Yourself Credit Repair E Book as well to really help you take off with repairing your credit.

With the E book you’ll get

• ​Step by step instructions to repair your credit
• ​Pre typed dispute letters that I’ve had great success with
• ​Email support from me in case you get stuck along the way
• ​And more…
• ​

Grab it here at the linktree further down

And as always come on in, kick back, and enjoy this episode!

Be sure to leave a review and let me know if you’re enjoying the podcast

And check out new video episodes on our YouTube Channel “The Credit Repair Hangout” ⁠We will be interviewing guests now so be sure not to miss these episodes where we dive deep!

Things to do also to help your credit!

• ​Listen to weekly episodes of our podcast “The Credit Repair Hangout”
• ​Get a copy of your 3 bureau credit report for just $1
• ​Purchase every good dispute letter I ever sent for just $14.99 (Like the ones that got me tons of deletions for my credit repair business)
• ​Download a copy of our Credit Booster Guide for First Time Homebuyers

You can find the links to these helpful resources right here ⁠ https://linktr.ee/thecreditrepairhangout

Some links mentioned in these episodes are affiliate links and I will get a small commission. But trust that I only mention products that I’ve personally used myself and have had great experiences with so I know they are trustworthy and I am confident they will help you the way they’ve helped me

About me: I am a Credit Repair business owner, Podcaster, and now YouTuber that will make episodes to help you improve your credit and financial situation so that you can live happier!

Follow us on social media:

Instagram: @thecreditrepairhangout

Personal Instagram: @2focused_e

TikTok: @ehicksda1

Intro Music: Smile by JustCordell

This is podcast is for you if you've ever wanted to learn:

How to fix your credit on your own

How to get better at disputing items on your credit report

How to remove late payments

How to remove collection accounts

How to build credit

How to make repairing your credit easier

How to better manage your finances

How to get approved for cars

How to get approved for homes

How to get approved for credit cards

How to get approved for business funding

Happy New Year Gang! It’s 2025 and it’s the perfect time to start the year off right by investing in the life you want to live this year. One of the things that should be at the very top of your list is repairing your credit. And I get it, it can be easier said than done but that’s why I’m making it super easy for you this year!

So on this episode we are getting back to the basics and diving in on the exact steps you need to make to repair your credit this year.

And I’ve taken it a couple steps further and put together a Do it Yourself Credit Repair E Book as well that I’ll talk about in this episode too.

With the E book you’ll get

1. ​Step by step instructions to repair your credit
2. ​Pre typed dispute letters that I’ve had great success with
3. ​Email support from me in case you get stuck along the way
4. ​And more…

Grab it here at the linktree further down

Then come on in, kick back, and enjoy this episode!

Be sure to leave a review and let me know if you’re enjoying the podcast

And check out new video episodes on our YouTube Channel “The Credit Repair Hangout” ⁠We will be interviewing guests now so be sure not to miss these episodes where we dive deep!

Things to do also to help your credit!

1. ​Listen to weekly episodes of our podcast “The Credit Repair Hangout”

1. ​Get a copy of your 3 bureau credit report for just $1

1. ​Purchase every good dispute letter I ever sent for just $14.99 (Like the ones that got me tons of deletions for my credit repair business)

1. ​Download a copy of our Credit Booster Guide for First Time Homebuyers

• ​

You can find the links to these helpful resources right here ⁠ https://linktr.ee/thecreditrepairhangout

Some links mentioned in these episodes are affiliate links and I will get a small commission. But trust that I only mention products that I’ve personally used myself and have had great experiences with so I know they are trustworthy and I am confident they will help you the way they’ve helped me

About me: I am a Credit Repair business owner, Podcaster, and now YouTuber that will make episodes to help you improve your credit and financial situation so that you can live happier!

Follow us on social media:

Instagram: @thecreditrepairhangout

Personal Instagram: @2focused_e

Intro Music: Smile by JustCordell

This is podcast is for you if you've ever wanted to learn:

How to fix your credit on your own

How to get better at disputing items on your credit report

How to remove late payments

How to remove collection accounts

How to build credit

How to make repairing your credit easier

How to better manage your finances

How to get approved for cars

How to get approved for homes

How to get approved for credit cards

How to get approved for business funding

Let’s talk about getting approved for a new car! With the new year coming up a lot of us may want to upgrade our ride but maybe we can’t because we have some things holding us back like our credit or our finances.

Well on this episode we can fix that because I’m giving you 5 major moves to get laser focused on to almost guarantee you get approved for that new car!

So come on in, kick back, and let’s get to work y'all!

Be sure to leave a review and let me know if you’re enjoying the podcast https://linktr.ee/thecreditrepairhangout

And check out new video episodes on our YouTube Channel “The Credit Repair Hangout” ⁠We will be interviewing guests now so be sure not to miss these episodes where we dive deep!

Things to do also to help your credit!

Listen to weekly episodes of our podcast “The Credit Repair Hangout” Get a copy of your 3 bureau credit report for just $1 Purchase every good dispute letter I ever sent for just $14.99 (Like the ones that got me tons of deletions for my credit repair business) Download a copy of our Credit Booster Guide for First Time Homebuyers

You can find the links to these helpful resources right here

Some links mentioned in these episodes are affiliate links and I will get a small commission. But trust that I only mention products that I’ve personally used myself and have had great experiences with so I know they are trustworthy and I am confident they will help you the way they’ve helped me

About me: I am a Credit Repair business owner, Podcaster, and now YouTuber that will make episodes to help you improve your credit and financial situation so that you can live happier!

Follow us on social media:

Instagram: @thecreditrepairhangout

Personal Instagram: @2focused_e

Intro Music: Smile by JustCordell

This is podcast is for you if you've ever wanted to learn:

How to fix your credit on your own

How to get better at disputing items on your credit report

How to remove late payments

How to remove collection accounts

How to build credit

How to make repairing your credit easier

How to better manage your finances

How to get approved for cars

How to get approved for homes

How to get approved for credit cards

How to get approved for business funding

Hey it’s almost the end of the year and I think that’s the best time to gain a lot of momentum and seriously improve our credit before a new year starts!

But let’s face it we are all busy people so you have to spend your time wisely so on this episode we are talking about the 3 best things you should focus on right now to repair your credit and make the biggest impact with your busy schedule!

If you follow these 3 tips YOU WILL make serious progress!!!

Come on in and let’s get to work y'all!

Be sure to leave a review and let me know if you’re enjoying the podcast

And check out new video episodes on our YouTube Channel “The Credit Repair Hangout” ⁠https://youtu.be/vnB8gKjtLcE?si=wGjsaxRAyidcNNGA⁠ We will be interviewing guests now so be sure not to miss these episodes where we dive deep!

Things to do also to help your credit!

• ​ Listen to weekly episodes of our podcast “The Credit Repair Hangout”
• ​ Get a copy of your 3 bureau credit report for just $1
• ​ Purchase every good dispute letter I ever sent for just $14.99 (Like the ones that got me tons of deletions for my credit repair business)
• ​ Download a copy of our Credit Booster Guide for First Time Homebuyers
• ​

You can find the links to these helpful resources right here ⁠https://linktr.ee/thecreditrepairhangout⁠

Some links mentioned in these episodes are affiliate links and I will get a small commission. But trust that I only mention products that I’ve personally used myself and have had great experiences with so I know they are trustworthy and I am confident they will help you the way they’ve helped me

About me: I am a Credit Repair business owner, Podcaster, and now YouTuber that will make episodes to help you improve your credit and financial situation so that you can live happier!

Follow us on social media:

Instagram: @thecreditrepairhangout

Personal Instagram: @2focused_e

Intro Music: Smile by JustCordell

This is podcast is for you if you've ever wanted to learn:

How to fix your credit on your own

How to get better at disputing items on your credit report

How to remove late payments

How to remove collection accounts

How to build credit

How to make repairing your credit easier

How to better manage your finances

How to get approved for cars

How to get approved for homes

How to get approved for credit cards

How to get approved for business funding

Are you just fed up with life not going the way you want? Like living with bad credit, living paycheck to paycheck, and just feeling like you’re making no progress at all?

If so, this is the episode for you and this is the episode where you turn things around finally

Let’s get our money back on track so we can get our credit back on track

Come on in and let’s get to work y'all!

Be sure to leave a review and let me know if you’re enjoying the podcast

And check out new video episodes on our YouTube Channel “The Credit Repair Hangout” ⁠https://youtu.be/vnB8gKjtLcE?si=wGjsaxRAyidcNNGA⁠

We will be interviewing guests now so be sure not to miss these episodes where we dive deep!

Things to do also to help your credit!

• ​Listen to weekly episodes of our podcast “The Credit Repair Hangout”
• ​Get a copy of your 3 bureau credit report for just $1
• ​Purchase every good dispute letter I ever sent for just $14.99 (Like the ones that got me tons of deletions for my credit repair business)
• ​Download a copy of our Credit Booster Guide for First Time Homebuyers
• ​

You can find the links to these helpful resources right here ⁠https://linktr.ee/thecreditrepairhangout⁠

Some links mentioned in these episodes are affiliate links and I will get a small commission. But trust that I only mention products that I’ve personally used myself and have had great experiences with so I know they are trustworthy and I am confident they will help you the way they’ve helped me

About me: I am a Credit Repair business owner, Podcaster, and now YouTuber that will make episodes to help you improve your credit and financial situation so that you can live happier!

Follow us on social media:

Instagram: @thecreditrepairhangout

Personal Instagram: @2focused_e

Intro Music: Smile by JustCordell

This is podcast is for you if you've ever wanted to learn:

How to fix your credit on your own

How to get better at disputing items on your credit report

How to remove late payments

How to remove collection accounts

How to build credit

How to make repairing your credit easier

How to better manage your finances

How to get approved for cars

How to get approved for homes

How to get approved for credit cards

How to get approved for business funding