In this episode of Financial Freedom Hour, Louis Bland breaks down the smartest ways to buy a car without destroying your credit. Whether you’re buying your first ride, upgrading, or considering a business vehicle, this episode walks you through how to avoid dealership traps, how auto loans affect your score, and how to buy in your business name. Plus, we dive into rising auto delinquencies and falling car prices—so you know if now is the time to buy or wait.

 

Segment 1: How to Buy a Car Without Wrecking Your Credit

• Why pre-approvals give you power
• How to avoid dealership financing scams
• Understanding how inquiries really affect your credit
• Down payment tips that protect your bank and score

Segment 2: Car Loans & Credit Strategy

• How car loans impact your credit profile
• Early payoff myths and credit score truth
• Repossession laws and how to fight back
• Co-signer warnings and dispute strategies

Segment 3: Buying a Car Through Your Business

• Setting up your business to qualify
• PG vs. No PG auto loans
• Where to find business vehicle financing
• How to write off your vehicle for tax benefits

Segment 4: Auto Loan News & Hot Topics

• Used car prices dropping: is it time to buy?
• Auto loan delinquencies on the rise
• EV rebates and interest rate updates
• Bonus Rant: Stop flexing with high car notes

Need help with credit or funding?

Visit kingcreditservices.com or call 844-689-0199 to book your free consultation.

Follow @KingCreditServices and catch us live every Saturday, 1–2 p.m. Pacific Time, on The Answer San Diego.

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

See omnystudio.com/listener for privacy information.

In this episode of Financial Freedom Hour, Louis Bland shows you how to flip the script on your 9 to 5 and use your paycheck as a tool for financial freedom. From eliminating debt and investing to launching AI-powered side hustles, this is your full roadmap to build wealth—without quitting your job.

SEGMENT BREAKDOWN

Segment 1: Mindset Shift – Your job is your first investor

Segment 2: Using your paycheck to build real wealth

Segment 3: Traditional and AI-powered side hustles you can start now

Segment 4: Credit news, jobs report, and trending financial topics

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

See omnystudio.com/listener for privacy information.

In this episode of Financial Freedom Hour with Louis Bland, we dive into how to flip your tax refund into lasting financial power. Instead of blowing that extra cash, learn how to invest it in repairing your credit, starting a side hustle, or even launching a full business. Plus, we break down key consumer protection laws, business credit game plans, and the hottest finance headlines of the week — including IRS refund delays and new CFPB crackdowns. Whether you’re trying to fix your credit or fund your next move, this episode is packed with value.

Segment 1: Turn Your Tax Refund Into a Wealth-Building Tool

• How to stop blowing your refund and flip it into assets

• Smart priorities: pay down debt, invest in yourself, or start a hustle

• Real-life examples of flipping $500–$3,000 into income streams

• 3 Common Questions:

1. Should I pay off my credit card or make extra payments?

2. Is saving or investing better if I only have $1,000?

3. What’s a business I can start under $2,000?

 

Segment 2: Using Your Refund to Fix Your Credit the Right Way

• Why paying collections may not help your score

• How to use refund funds for professional disputes, tradelines, and secured cards

• Consumer laws: FCRA and FDCPA simplified

• 3 Common Questions:

1. Will paying off collections raise my score?

2. What are the best credit builder tools I can buy now?

3. How do I spot a legit credit repair service?

 

Segment 3: Start a Business with Your Refund — No Loan Needed

• Best businesses to launch with $500–$2,000 (low overhead, high reward)

• Step-by-step: Register your biz, get an EIN, open accounts, and build credit

• How to qualify for Restora Funding and find clients using Simplimatch

• 3 Common Questions:

1. What’s the first legal step to start a business with my refund?

2. How quickly can I build business credit?

3. Can Simplimatch help me grow my new business?

 

Segment 4: Consumer Finance News & Hot Topics

• IRS refund delays, scams on the rise, and what you can do

• CFPB crackdown on AI lending bias and medical debt reporting

• Bank of America and Wells Fargo under consumer watchdog review

• 3 Common Questions:

1. Why is my refund taking so long?

2. How do I avoid tax-related scams?

3. What changes are coming from the CFPB this year?

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

See omnystudio.com/listener for privacy information.

In this week’s episode of Financial Freedom Hour with Louis Bland, we break down the exact steps to rebuild your credit in just 90 days. From pulling your reports and spotting errors, to using consumer laws like the FCRA and FDCPA, to flipping personal credit progress into real business credit—this is the comeback blueprint. Plus, we go over the biggest financial headlines of the week, including tax refund strategies and a warning about Buy Now, Pay Later apps. If you’re serious about getting your financial life together this spring, this episode is a must-listen.

 

Segments:

1. The 90-Day Credit Comeback Plan

2. Credit Strategies & Consumer Laws

3. Business Credit & Entrepreneurial Finance

4. Consumer Finance News & Hot Topics of the Week

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

See omnystudio.com/listener for privacy information.

In this episode of Financial Freedom Hour, we break down the history of credit, from its earliest origins to modern-day credit scoring systems. We’ll also explain the differences between VantageScore and FICO scores, covering all the major FICO models and why lenders use them. Finally, we’ll discuss recent credit score regulations, lawsuits, and CFPB updates that could impact consumers.

Segment 1: The History of Credit

• Ancient credit systems: Mesopotamia, Egypt, Rome, and Medieval Europe.

• How credit evolved in the U.S. through store credit and early credit cards.

• The rise of credit bureaus (Equifax, Experian, TransUnion).

• FICO’s origin and its dominance in modern credit scoring.

Segment 2: VantageScore vs. FICO

• VantageScore 3.0 vs. 4.0 – how trended data changed the game.

• Why VantageScores often seem higher than FICO.

• Why 90% of lenders still rely on FICO scores.

Segment 3: FICO Models Explained

• Key differences between FICO 8, 9, 10, and 10T.

• Trended data and its impact on FICO 10T.

• Why auto, mortgage, and credit card lenders use industry-specific FICO scores.

Segment 4: Consumer Finance News & Hot Topics

• CFPB’s crackdown on medical debt and inaccurate reporting.

• Lawsuits against Equifax & TransUnion.

• Rising APRs and stricter lending requirements in 2025.

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

See omnystudio.com/listener for privacy information.

Segment 1: How to Build Business Credit Without Using Your SSN

Segment 2: Credit Strategies & Consumer Laws 

Segment 3: Business Credit & Entrepreneurial Finance 

Segment 4: Consumer Finance News & Hot Topics of the Week

Hot Topic #1: Business Credit Funding Updates

Hot Topic #2: IRS Business Tax Updates

Hot Topic #3: CFPB Enforcement Actions & Policy Changes

Business of the Week: Moms Off the Couch – Helping mothers take control of their health and fitness

Want to Sponsor the Show? Reach out to [email protected]

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

See omnystudio.com/listener for privacy information.

Segment 1: How to Take Control of Your Finances

Segment 2: Saving & Debt Reduction Strategies

Segment 3: Business Credit & Entrepreneurial Finance (Budgeting for Business & Entrepreneurs)

Segment 4: Consumer Finance News & Hot Topics of the Week

Hot Topic #1: Federal Reserve Maintains Interest Rates

Hot Topic #2: Proposed Legislation to Cap Credit Interest Rates

Hot Topic #3: Government Credit Card Usage Freeze

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

See omnystudio.com/listener for privacy information.

Segment 1: The Worst Credit Mistakes People Are Still Making

Segment 2: How to Use Credit Cards to Your Advantage – Rewards, Points, and Cashback

Segment 3: The Real Reason People Stay Broke – Bad Financial Habits

Segment 4: Consumer Finance News & Hot Topics of the Week

Hot Topic #1: How Banks Are Using AI to Approve or Deny Credit Cards

Hot Topic #2: FICO 10T Score is Changing Lending Decisions

Hot Topic #3: Why Auto Loan Defaults Are Spiking – And What It Means for You

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

See omnystudio.com/listener for privacy information.

Segment 1: Introduction & Main Topic – Understanding ‘Buy Now, Pay Later’ (BNPL) Services

Segment 2: News Overview – Recent Financial Headlines

Segment 3: Consumer Finance News & Industry Trends – Fintech’s Role in Modern Lending

Segment 4: Money Myth Buster – Credit Utilization

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

See omnystudio.com/listener for privacy information.

Segment 1: Introduction & Main Topic – Vantage Scores vs. FICO Scores

Segment 2: Hottest Topics of the Week – CFPB Leadership Change

Segment 3: Consumer Finance News & Industry Trends – Late Payments & Credit Score Breakdown

Segment 4: Q/A from Live viewers

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

See omnystudio.com/listener for privacy information.