We continue our journey into each of the 5 key factors that affect your credit score. Discussing FICO Score knowledge with a focus on Amounts owed and Credit utilization Ratio (CRU). Be empowered on what Utilization is, why is it important, how Utilization affects your score, The two parts used to calculate CRU and tips on how to manage your lower CRU.

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 take a deeper dive into each of the 5 key factors that effect your credit score. Discussing FICO Score knowledge with a focus on Payment history. Be empowered on what payment is, why is it important, how payment history affects your score, how it is calculated and tips on how to manage your payment history.  

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

Today 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

In this episode we discuss preparing to purchase a home, obtaining a realtor and how your credit report effects your potential to purchase. 

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

This episode I share my mental reality check where I talk about my recent diagnoses of severe depression. I relate how your finances can affect your mental health and how important it is to take care of yourself mentally as your mental stability can and will affect your financial stability. 

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