Credit Coaching by Kristi

Oct 29 2024 128 ep. 12 mins 21

Credit Coaching by Kristi Podcast artwork

Your Credit Coach Kristi will share with you her years of experience in analyzing credit reports and share with you thoughts, tips, and knowledge on how to optimize your credit score and maximize your credit understanding. Listen to the guidance of someone who has deep insight into the world of credit and credit scores. Visit creditkristi.com or email [email protected] NMLS #754092

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Is Your Significant Other's Credit Terrible?!

Oct 29 2024 22 mins

Is your significant other's credit profile and score causing some tension in the relationship? In addition to the obvious of having to pay higher interest or not qualify for financing at all due to lower scores, there could be an emotional component to your partner having poor credit profile that is bringing you down in multiple ways. How do you have a conversation about money and

What Is A Credit Sweep (Besides Illegal!)

Oct 08 2024 7 mins

Have you heard of the term "credit sweep" or credit washing? I hadn't either until recently. Not only does it sound too good to be true- it's illegal! Please be careful with "quick fixes" as they often aren't what they might appear to be. If someone is saying they can remove derogatory items from your credit report- be cautious! Questions@creditkri

The Credit Bureaus are Selling Your Personal Info!

Sep 25 2024 7 mins

The Big Credit Bureaus are selling your information - and they are making bank by doing so! Listen in as you Coach shares 2 ways to protect your information from being sold to companies who want to know your profile and solicit to you. [email protected] for questions or show ideas https://www.optoutprescreen.com/ to opt out To freeze your credit: Experian.com Equifax.com

What's Worse- No Credit or Bad Credit?

Sep 12 2024 12 mins

Have you wondered, what is worse? Bad credit or no credit? Listen in to learn what "the decision makers" when it comes to extending credit want to see. [email protected]

More on Zero Percent 0% Balance Transfers

Aug 17 2024 11 mins

Let's listen in to some additional details regarding zero percent balance transfers on credit cards. [email protected]

Credit Card Balances and APRs - New HIGHs

Jul 29 2024 12 mins

Credit card balances are at the highest level in history. In fact, over $1.115 TRILLION is the current outstanding credit card balances for Americans! 1 in every 5 credit card holders are "maxed out" meaning they have greater than 90% of their limit as a balance. APRs are also the highest we've seen, ever! What is going on and what can we do about it? Questions@Credi

What is Debt Ratio (and Why Should I Care?)

Jul 09 2024 16 mins

There is a very important term in finance called Debt Ratio. You should have an understanding of what it means, what it says about you and your spending/debt load, and why it's important to keep it in check. Whether you are thinking about and preparing to buy a home or just want to figure out your debt levels and adjust what's not working in your life, understanding your D

Mortgage Denials - #1 Reason is CREDIT!

Jun 05 2024 23 mins

As a mortgage broker, I see the entire financial picture of someone applying for a loan. That is what drove me to start this podcast over 4 years ago, is because time and time again I would spend time coaching people on what to do to improve their credit so they can qualify for a mortgage. The #1 reason for mortgage declines is insufficient credit. Listen in as your credit coach b

Why Did I Get Denied for a New Credit Card?

May 13 2024 13 mins

Have you applied for a credit card and then found out... you were denied?! There are various reasons that could be the culprit, so listen in to your credit coach as Kristi shares some of the top reasons for not being approved if you applied for a credit card. [email protected]

Cost of Living Has My Credit Card Balances High!

Apr 29 2024 6 mins

I am hearing from a lot of people that they are carrying large credit card balances forward each month, not intentionally, but because the cost of living is so high. Listen in (if this is you, you are not alone) and hear some suggestions on what to do about it. Check out this cost of living calculator: https://www.bankrate.com/real-estate/cost-of-living-calculator/ Questions@cred