In this episode, Dave Gallegos dives deep into how you can go from wherever you find yourself to sparkling credit in a relatively short period of time. Dave breaks down the individual stumbling blocks and how to handle them, late payments, judgements, liens, collections, even Bankruptcy. Tune in to learn why having perfect credit isn't just a lofty goal—it's an attainable one that can significantly impact your financial future.

00:00 - Introduction

02:00 - No One Cares About Your Credit as Much as You Do

03:05 - Dealing with Derogatory Credit Items

06:05 - Late Payments

09:30 - You Get What You Give

11:15 - Consistent Late Payments

13:30 - Collections

15:45 - Judgements & Liens

17:25 - Why Your Credit Score Matters

18:45 - Bankruptcy