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In this episode of The Smarter Vet Podcast, financial advisors CJ Burnett and Tom Seeko break down the truth about credit scores—what they really mean, how they’re calculated, and why a high income doesn’t automatically guarantee a great score. They explore the history of credit cards, the key factors that influence credit scores (like payment history and credit utilization), and the practical steps veterinarians can take to improve theirs.

From paying off credit cards weekly to keeping an eye on free annual credit reports, CJ and Tom share smart, actionable strategies to help you manage credit wisely—without obsessing over the numbers. Whether you're looking to buy a home, a car, or simply gain a better understanding of your financial health, this episode is packed with insights to help you make informed decisions. Tune in and take control of your credit with confidence!

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