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.
00:53 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
33:43 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
57:32 Cleo’s response to her financial affirmation from Sakia
59:17 Final words from Sakia
01:02:34 Final words from Cleo
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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