Have you ever pulled your credit score from different places and wondered why the score is sometimes drastically different? That’s because there are different score models available. This week we discuss the two big hitters in the credit reporting industry and how they calculate your credit score. Listen in and heart what your credit score says when you pull your Vantage Vs your FICO score. 

Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat.

Check out these resources to get you on track to reaching your Next Point:

Need to build positive credit?

$200 Credit Line credit card click here

Self lender saving loan with payments starting as low as $25/mth click here

Up to $5000 credit line click here

Are you monitoring your credit?

Credit Monitoring with Identity IQ Click here

Credit Monitoring with Smart Credit Click here

The credit conversation is in motion. This episode we revise the 5 key factors of your credit score. No better wat to start off the credit conversation than by focusing on how your score is calculated.  We discuss how to access your credit report, what information is included in your report, how your credit score is calculated, and the credit analysis.

Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat.

Check out these resources to get you on track to reaching your Next Point:

Need to build positive credit?

$200 Credit Line credit card click here

Self lender saving loan with payments starting as low as $25/mth click here

Up to $5000 credit line click here

Are you monitoring your credit?

Credit Monitoring with Identity IQ Click here

Credit Monitoring with Smart Credit Click here

January is coming to an end and our money is getting on track. We are wrapping up out budgeting segment this week and I wanted to encourage you on how important this step in the process is. Take a listen and look for your resources. 

Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat.

Check out these resources to get you on track to reaching your Next Point:

Need to build positive credit?

$200 Credit Line credit card click here

Self lender saving loan with payments starting as low as $25/mth click here

Up to $5000 credit line click here

Are you monitoring your credit?

Credit Monitoring with Identity IQ Click here

Credit Monitoring with Smart Credit Click here

We are 17 days into the new year and our money is getting on track. Budgeting is still the focus so let's dive right on in. This week we discuss why budgeting challenges, why budgets fail and myths about budgeting. 

Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat.

Check out these resources to get you on track to reaching your Next Point:

Need to build positive credit?

$200 Credit Line credit card click here

Self lender saving loan with payments starting as low as $25/mth click here

Up to $5000 credit line click here

Are you monitoring your credit?

Credit Monitoring with Identity IQ Click here

Credit Monitoring with Smart Credit Click here

Just wanted to check in with everyone and let you all know what’s been going on with me and why the break. We are still here and ready to kick 2020 off with a bang.

Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat.

Check out these resources to get you on track to reaching your Next Point:

Need to build positive credit?

$200 Credit Line credit card click here

Self lender saving loan with payments starting as low as $25/mth click here

Up to $5000 credit line click here

Are you monitoring your credit?

Credit Monitoring with Identity IQ Click here

Credit Monitoring with Smart Credit Click here

Goodbye Christmas and hello New Year. 2020 is less than 6 days away and it's time to get our money in check. This week we talk about taking a deep dive into our current spending habits and ways to track our spending before kicking off our budgeting efforts. 

Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat.

Check out these resources to get you on track to reaching your Next Point:

Need to build positive credit?

$200 Credit Line credit card click here

Self lender saving loan with payments starting as low as $25/mth click here

Up to $5000 credit line click here

Are you monitoring your credit?

Credit Monitoring with Identity IQ Click here

Credit Monitoring with Smart Credit Click here

My Bank account didn't take a hit this holiday season... says no one. With christmas around the corner and black Friday deals slinging left and right, bank account balances are at an all time low.  Budget on another level gives you 5 tips on how to get back on track after this holiday season. 

Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat.

Check out these resources to get you on track to reaching your Next Point:

Need to build positive credit?

$200 Credit Line credit card click here

Self lender saving loan with payments starting as low as $25/mth click here

Up to $5000 credit line click here

Are you monitoring your credit?

Credit Monitoring with Identity IQ Click here

Credit Monitoring with Smart Credit Click here

Our journey into each of the 5 key factors that affect your credit score comes to an end. Discussing FICO Score knowledge with a focus on everything  Credit inquiries. Be empowered on what inquiries are, the difference between hard and soft inquiries, the importance of credit inquiries, how it affects your score, and tips on how to plan to shop for new credit.  

Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat.

Check out these resources to get you on track to reaching your Next Point:

Need to build positive credit?

$200 Credit Line credit card click here

Self lender saving loan with payments starting as low as $25/mth click here

Up to $5000 credit line click here

Are you monitoring your credit?

Credit Monitoring with Identity IQ Click here

Credit Monitoring with Smart Credit Click here

Our journey  continues into each of the 5 key factors that effect your credit score. Discussing FICO Score knowledge with a focus on everything  Credit Mix. Be empowered on why I started this series, why credit is important to us all, the importance of credit mix, how it effects your score, the different types of credit accounts and tips on how to manage your credit mix.

Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat.

Check out these resources to get you on track to reaching your Next Point:

Need to build positive credit?

$200 Credit Line credit card click here

Self lender saving loan with payments starting as low as $25/mth click here

Up to $5000 credit line click here

Are you monitoring your credit?

Credit Monitoring with Identity IQ Click here

Credit Monitoring with Smart Credit Click here

We continue our journey into each of the 5 key factors that affect your credit score. Discussing FICO Score knowledge with a focus on Length of Credit. Be empowered on why the length of credit is important, how it affects your score,  and tips on how to manage your credit length.

Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions about today's show. Visit thinknextpoint.com for all of your financial, business, and credit consulting needs. Want to learn more about what we do and how we can help you. Our information sessions are FREE! Lets chat.

Check out these resources to get you on track to reaching your Next Point:

Need to build positive credit?

$200 Credit Line credit card click here

Self lender saving loan with payments starting as low as $25/mth click here

Up to $5000 credit line click here

Are you monitoring your credit?

Credit Monitoring with Identity IQ Click here

Credit Monitoring with Smart Credit Click here