Some people make money moves using their own money. Others use credit. Credit isn’t bad, but it can be when not used properly. 

Creating a plan that aligns with your borrowing goals is so important.

This week, Sakai McClam with Speak Sakia, joins us on episode 57. She is a Credit Coach & Published Author based in South Florida.

Sakia to explains how we can improve our credit history so we can be in the best position to leverage credit for the things we need and want. 

She also explained the difference between credit repair vs credit coaching and which option you may need right now. 

00:00 Credit repair lies 

00:34 Intro

00:53 Welcome Sakia McClam with Speak Sakia 

01:52 Why Sakia decided to specialize in credit

05:08 How to choose the right credit repair company

07:04 What to expect once you start working with a credit repair company

09:04 Daily money habits text community

10:14 Credit repair vs credit coaching 

11:12 Pyramid credit repair companies 

13:16 Importance of teaching kids about money

17:50 Difference between teaching kids and adults about money

23:53 Sakia’s 5 Day Money Academy 

24:36 Avoiding desperation

25:53 Sakia’s virtual classes for kids 

26:17 First steps to improving credit history 

33:05 Money yoga class

33:43 Which proof to accept from debt buyers and collection companies 

37:59 Can debts come back on credit reports after they have fallen off?

40:43 PTSD (Post Traumatic Stress Disorder) after bad financial experiences

43:45 Relationships and Money

53:42 How to connect with Sakia McClam with Speak Sakia

54:51 Sakia’s response to her financial affirmation

56:21 Wrap up 

57:32 Cleo’s response to her financial affirmation from Sakia

59:17 Final words from Sakia

01:02:34 Final words from Cleo 

01:03:12 Outro

Connect with our guest Sakia McClam:

Instagram: https://www.instagram.com/speak_sakia/

TikTok: https://www.tiktok.com/@speaksakia

Twitter: https://twitter.com/speaksakia

Facebook: https://www.facebook.com/speaksakia

YouTube: https://www.youtube.com/channel/UCAB22fYQn7NiAhCQ6o--YAA

Check our Sakia’s template and tips on how to remove late payments and repair your credit: https://www.speaksakia.com/

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https://www.cleoyogafinance.com/offers/financial-affirmations

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