The Credit Show
The Credit Show Podcast with Harry Jacobs breaks down real-world credit problems in plain English, covering collections, charge-offs, late payments, medical debt, student loans, bankruptcy, identity theft, and more. Harry walks through what actually works with creditors and credit bureaus, how to avoid traps that ruin scores, and simple habits for lasting credit health. With over a dozen years of experience as founder of Credit Restoration of Nevada, he shares case studies, strategies, and insider insights.
Episodes
Fraud Alert vs. Credit Freeze: Know the Difference Before You Need It
Most people who think their credit is protected aren't as protected as they believe. Harry Jacobs explains the critical difference between a fraud alert and a credit freeze — why one is a suggestion lenders can ignore and the other is a full lockdown that stops identity theft cold. Including a real case where a fraud alert failed and a fraudulent credit card was opened anyway — and how a
Zombie Debt: The Old Debt That Can Rise From the Dead
A collector is calling about a debt from 2011. What they're hoping you don't know could cost you thousands. Harry Jacobs explains zombie debt — old debt past the statute of limitations that collectors can no longer use to sue you, but will still aggressively pursue — and the single most important thing you must never do when they call. Including a real case where a $50 "good faith" paymen
Charged Off Doesn't Mean Gone: The Debt That Keeps Coming Back
"Charged off" sounds like the debt is gone. It isn't. Harry Jacobs breaks down one of the most dangerous misconceptions in consumer credit — what a charge-off actually means, why it often results in two separate derogatory marks on your report for one original account, and what the "re-aging" trick is that some collectors use illegally to extend the damage. Learn the charge-off takedown p
Common Credit Mistakes That Cost Good People Great Credit
Good intentions, bad outcomes. Harry Jacobs runs through the five most common credit mistakes he sees from people who are genuinely trying to do the right thing — and explains exactly why each one backfires. Closing old cards to simplify. Cosigning to help a family member. Paying off a credit card without thinking about timing. Applying for too much credit at once. Settling a debt without
The Myth That You Need Debt to Have Good Credit
You've heard it from a friend, a forum, maybe even a financial advisor: you need to carry a balance to build credit. You don't. Harry Jacobs dismantles this expensive myth completely — explaining why the credit bureaus don't see your interest payments, only your behavior, and how you can build and maintain an excellent credit score without owing a dollar to anyone. Including a woman in he
Cosigning a Loan: The Most Expensive Act of Kindness in Personal Finance
Cosigning a loan feels like a simple act of generosity. It isn't. Harry Jacobs explains why "lending your name" is the most misleading phrase in personal finance — because when you cosign, you are co-borrowing the debt, with 100% liability and no control over how it gets managed. Every late payment, every default by the primary borrower lands on your credit report with the same force as i
Common Credit Mistakes That Cost Good People Great Credit
Good intentions, bad outcomes. Harry Jacobs runs through the five most common credit mistakes he sees from people who are genuinely trying to do the right thing — and explains exactly why each one backfires. Closing old cards to simplify. Cosigning to help a family member. Paying off a credit card without thinking about timing. Applying for too much credit at once. Settling a debt without
The Myth That You Need Debt to Have Good Credit
You've heard it from a friend, a forum, maybe even a financial advisor: you need to carry a balance to build credit. You don't. Harry Jacobs dismantles this expensive myth completely — explaining why the credit bureaus don't see your interest payments, only your behavior, and how you can build and maintain an excellent credit score without owing a dollar to anyone. Including a woman in he
Why Your New Car Loan Dropped Your Score (And Why That's Normal)
You bought a new car, made your first payment on time, and your credit score dropped 20 to 30 points anyway. What went wrong? Nothing. Harry Jacobs explains the two-part reason every new auto loan temporarily drops your score — the hard inquiry and the new account impact on your average credit age — and more importantly, why the score almost always fully recovers and surpasses its startin
Be Careful When You're "Just Looking": The Hidden Cost of Credit Curiosity
"Let's just see what you qualify for" is one of the most expensive phrases in personal finance. Harry Jacobs explains exactly what happens to your credit score every time a dealership runs your credit — and why casual browsing across multiple lots over several months can cost you a better interest rate when you actually buy. Learn how hard inquiries work, what the FICO rate-shopping buffe
Buy Now, Pay Later: The Financial Cigarette Hiding in Your Shopping Cart
Buy Now, Pay Later is everywhere, and it's quietly damaging credit files across the country. Harry Jacobs explains why these seemingly harmless installment options are creating serious credit problems: multiple new accounts, hard inquiries, and delinquencies from missed payments on purchases as small as $40. Including a real couple with a combined $100K income who got denied for a car loa
The Divorce Decree Doesn't Protect Your Credit. Here's What Does.
A divorce decree says your ex is responsible for the joint credit card. Six months later, your score drops 150 points because they stopped paying. This is one of the most common — and most devastating — credit situations Harry Jacobs sees, and the hard truth is that a family court judge has zero jurisdiction over your creditors or the credit bureaus. In this episode, Harry explains exactl
The Utilization Trap: Why the 30% Rule Is Keeping Your Score Stuck
"Keep your balances under 30%" is the most repeated piece of credit advice on the internet — and it's costing people 50 to 100 points without them knowing why. Harry Jacobs explains why the 30% threshold is a ceiling, not a target, and why sitting at 29% puts you solidly in the danger zone. Learn the three truths that replace the myth: why 10% is the real target, how the statement closing
Pay For Delete: The Strategy That Turns Debt Into a Clean Report
You've got a collection account, you've got the money to pay it, and your instinct is to just get it done. Stop. Paying a collection without a strategy is one of the most expensive credit mistakes consumers make — because a paid collection still sits on your report for seven years as a derogatory mark. Harry Jacobs walks through the pay-for-delete strategy from start to finish: what it is
Medical Bills on Your Credit Report: The New Rules They Won't Enforce for You
The headlines said medical debt was gone from credit reports. The reality is more complicated — and more costly if you believe the hype. Harry Jacobs breaks down exactly what changed in 2023 and 2025 around medical debt reporting, why the bureaus are not automatically applying the new rules to existing files, and what that means for your credit score right now. Learn the three-step medica
The Benefits Of A Credit Builder Loan
If your credit score has plateaued and you're only carrying credit cards, you may be missing a key ingredient: installment loan history. Credit scoring models want to see both revolving and installment accounts — and for many consumers trying to rebuild or break past a score ceiling, that installment piece is completely absent. Harry Jacobs explains how credit builder loans work, why the
The Forgotten Store Card: The Silent Time Bomb
That store card you opened years ago for a one-time discount — the one sitting in a drawer you haven't opened since — could be quietly destroying your credit right now. Harry Jacobs explains the two ways a forgotten store card becomes a credit catastrophe: the annual fee ambush that turns into a collection account, and the inactivity closure that spikes your utilization overnight. Includi
The Reality Of A Grace Period
Most people think they have a grace period. They're wrong — and one missed payment can drop a credit score by 100 points or more, triggering a chain of escalating damage that can last years. Harry Jacobs explains why the "30-day rule" is one of the most dangerous myths in consumer credit, how a single forgotten payment can turn into a charge-off that sits on your report for seven years, a
Dealing With Debt, The Snowball vs The Avalanche Method
The internet has strong opinions about which debt payoff method is superior. Harry Jacobs has a stronger one: the best strategy is the one you'll actually stick to. In this episode, he breaks down the debt snowball and the debt avalanche — how each works, what each costs you, and why the mathematically optimal plan sometimes fails people while the psychologically sustainable one doesn't.
Should You Ask For A Credit Limit Increase
A credit limit increase isn't just a way to spend more — used correctly, it's one of the most precise tools available for lowering your credit utilization and boosting your score without paying down a single dollar of debt. But ask at the wrong time, say the wrong thing, or trigger a hard inquiry you didn't need, and you've done more harm than good. Harry Jacobs walks through exactly when
The One Big Payment Mistake
You pay your credit card in full every month, never carry a balance, and never pay interest. So why is your score stuck? Because the balance the credit bureaus see isn't the one you pay on the due date — it's the one reported on your statement closing date, which could be weeks earlier. Harry Jacobs explains the exact mechanic behind this commonly misunderstood timing issue, why a small b
Credit Karma vs FICO
You checked your Credit Karma score before walking into the dealership. It showed 720. The finance manager came back with a rate you didn't expect. Here's what happened: the score you saw and the score they pulled are two completely different numbers — and nobody warned you. Harry Jacobs breaks down the critical difference between VantageScore and FICO, why over 90% of major lenders use F
The 609 Letter Myth
There are people online — leaning against rented Lamborghinis — selling "609 letter" templates for $50 and claiming they're a secret loophole that forces credit bureaus to delete any negative item from your report. It's not true. Harry Jacobs explains what Section 609 of the Fair Credit Reporting Act actually says, why generic dispute letters get processed by automation and almost always
The Reality of 3 Credit Bureaus
Most people assume there's one central credit file — one master record that lenders pull. That assumption is wrong, and it's costing consumers thousands of dollars at the loan closing table. Experian, Equifax, and TransUnion are three separate, competing corporations that do not share data. A collection account can exist on one report while the other two are completely clean. A mortgage l
The Credit Bureau Myth
Most people assume there's one central credit file — one master record that lenders pull. That assumption is wrong, and it's costing consumers thousands of dollars at the loan closing table. Experian, Equifax, and TransUnion are three separate, competing corporations that do not share data. A collection account can exist on one report while the other two are completely clean. A mortgage l
The 'Responsible' Move That Quietly Wrecks Your Score
It feels like the mature thing to do. You've got cards you don't use, so you close them and clean up your wallet. But in the counterintuitive world of credit scoring, closing a credit card — especially an old one — can drop your score by 30 to 60 points with zero warning. Harry Jacobs explains the two-hit combination that closing a card delivers to your credit score: the utilization spike
The Authorized User Trap: Credit Hack or Credit Wrecking Ball?
Becoming an authorized user on someone else's credit card is one of the most talked-about credit building strategies — and one of the most misunderstood. Done right, it can import years of positive credit history onto your report and jump your score significantly. Done wrong, it can set you back years without you spending a single dollar. Harry Jacobs breaks down exactly how the authorize
Stop Watching Your Credit. Start Running It.
There's a massive difference between monitoring your credit and actually managing it — and that gap is costing people real money. Harry Jacobs explains why checking your score on a free app is not the same as fixing your credit, and why passive awareness without active intervention keeps good people stuck. In this episode: what credit monitoring actually is, what it misses, and the three
Junk Fees: The New Tricks Companies Use to Pick Your Pocket — Legally
Junk fees are costing American consumers billions of dollars every year — and the tactics are getting sneakier. In this episode, Harry Jacobs breaks down the latest methods banks, loan servicers, and debt collectors are using to add unauthorized charges to your account, including retroactive contract amendments, pay-to-pay fees, and dark pattern design tricks buried in fine print. Learn e
Student Loan debt relief SCAMS
Student loan debt settlement companies promise quick fixes but often leave people worse off—Harry shows you the red flags, the scams, and the legitimate options you actually have.If you would like a free consultation with Harry Jacobs at Credit Restoration of Nevada, text CREDIT or call 702-778-2000. You may also visit us online at TheCreditShow.info #StudentLoans #DebtSettlement #ScamAl
Credit Delinquencies On The Rise AGAIN!
In this powerful episode of The Credit Show Podcast, Harry breaks down the growing U.S. consumer debt crisis and explain why millions of Americans are feeling crushed by rising costs, record balances, and high interest rates. Using data from the Federal Reserve, the New York Fed Household Debt and Credit Report, Fitch Ratings, Moody’s, TransUnion, and Experian, this episode unpacks the re
Toyota's Violations Of Consumer Laws
From hidden mark‑ups to yo‑yo financing, Harry unpacks recent complaints and legal actions involving Toyota financing and what they teach every car buyer about protecting their credit. #Toyota #AutoFinance #CarLoans #DealerFinance #CreditProtection #KnowYourRights #AutoBuying #CreditTipsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/p
Experian issues with the CFPB
Experian has its own history of regulatory trouble—Harry breaks down key CFPB findings and what they reveal about errors, upsells, and how your credit data can be mishandled. #Experian #CFPB #CreditBureau #CreditErrors #CreditMonitoring #ConsumerProtection #FixCredit #FinancialEducationSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/pri
Four Things Debt Collectors Can Not Do
Harry lays out the four big things debt collectors are flat‑out not allowed to do—and what steps to take if a collector crosses the line with threats, lies, or illegal tactics. #DebtCollectors #FDCPA #ConsumerRights #Harassment #KnowTheLaw #FixCredit #DebtHelp #CreditRepairSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-se
Equifax's Troubles With Regulators
Equifax has repeatedly run afoul of regulators—Harry reviews the latest CFPB actions, what they did wrong, and how their mistakes might be hurting your file right now. #Equifax #CFPB #CreditBureaus #DataErrors #CreditReport #ConsumerRights #CreditRepair #FinancialNewsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-
The Anatomy of a CFPB Consent Order
Harry dissects a real CFPB consent order and shows how companies get nailed for illegal credit practices—plus what those cases teach you about protecting yourself and disputing correctly.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
The Small Dollar Loan Cycle Of Debt!
As necessary as these loans are for some--one can destroy your credit. You are set up to fail more often than not. Use them wisely, #paydayloan #badcredit #goodcredit #financialfreedom #creditrepairSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Clues That You Are A Victim Of Identity Theft
Don't wait for a massive bill. Catch identity theft early by spotting these 3 subtle clues that most people dismiss as glitches. #IdentityTheft #FraudWarningSigns #CreditFreeze #ProtectYourCreditSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Credit Myths and LIES Can Cost You Points. Be Careful Where You Get Your Advice.
Heard medical debt doesn't count anymore? Not exactly. We explain the new rules and the old problems that could still be hurting your score. #CreditUtilization #CreditMyths #CreditCards #CreditScoreSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Medical Debt--The Recent Rules And The Old Problem
Heard medical debt doesn't count anymore? Not exactly. We explain the new rules and the old problems that could still be hurting your score. #MedicalDebt #MedicalCollections #CreditReport #FixCreditSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Buy Now, Pay Later--The Silent Score Killer
Buy now, pay later can be an ugly trap. More credit and more accounts is not the key to increasing your credit score. The concept of 0% for a store card makes sense IF you have excellent credit, but if you don't these accounts don't help you in the long run and they can be problematic if you aren't managing them properly. #CreditRepair #FixCredit #BadCredit #CreditScore #BeginnerCredi
SNAP Finance: The "No Credit Needed" Trap Exposed
If you are with SNAP financing for anything, you should be aware of this--it's not breaking news, but it is news that you need to be aware of.#credit #creditreport #creditrepair #creditscore #fico #snapfinanceSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
How a 100-Point Jump Can Save You $150,000 on Your Mortgage (The Math Will Piss You Off)
In this episode, Harry breaks down how a 100‑point jump in your credit score can change your interest rate, slash your monthly payment, and save you well over $100,000 over the life of a mortgage.#CreditScore #Mortgage #HomeBuying #InterestRates #SaveMoney #FinancialLiteracy #FixCredit #CreditRestorationSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https
Zelle the dark side of electronic transfers
The issues consumers face with Zelle. Most consumers don't realize that Zelle is owned by several of the big banks, but are they doing enough to protect consumers against fraudulent activities? #credit #creditrepair #creditreport #zelle #venmo @paypalSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Credit Repair 101
Credit repair isn't a diet; it's a lifestyle. Build the habits that make a 750+ score your permanent reality, not just a temporary high. #CreditWellness #FinancialHabits #LongTermCredit #CreditMaintenance #FinancialHealthSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
The Juggling Act: How to Manage Multiple Credit Cards Without Losing Your Mind or Your Score
Juggling multiple credit cards without losing your mind (or your score) is possible. Here's the commander's system for total control.#CreditCards #CreditManagement #MultipleAccounts #CreditScore #AutopaySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Identity Theft: When Your Credit Report Gets an Evil Twin
Someone living their life on your dime? We walk you through the 3-step crisis plan to lock down your credit and evict the identity thief for good.#IdentityTheft #Fraud #CreditFreeze #CreditReport #FixCreditSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Student Loan Delinquency Explosion: 31% of Borrowers 90+ Days Late
5.8 million people are 90+ days late on student loans. If you're one of them, your credit is about to get nuked. Here's the exact playbook to save it.#StudentLoans #Default #Delinquency #LoanRehabilitation #CreditReport #WageGarnishmentSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
The FICO Monopoly Is SLOWLY Changing
Mortgage credit reporter FICO has been the king of the hill. Things may be slowly changing. Ask your lender about Vantage.#credit #creditreport #mortgage #FICO #vantagereport #creditscore #goodcreditSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Why Just 'Monitoring' Your Credit is Like Watching a Car Crash in Slow Motion
Getting alerts about your credit score is like watching a car crash in slow motion. It's time to stop monitoring and start MANAGING your credit.#CreditMonitoring #CreditReport #FixCredit #CreditRepair #ActiveManagementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Credit Utilization: The Silent Score Killer You Can Fix in 45 Days
That "30% rule" you've heard is a lie. We expose the credit utilization secrets that can add 100 points to your score in 45 days.#CreditUtilization #CreditCards #CreditLimit #FixCredit #CreditScoreSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Building Credit From Scratch: How to Go from Ghost to 700
No credit? You're a ghost to lenders. We show you the "cheat codes" to go from zero to 700 in record time.#BuildCredit #NoCredit #CreditHistory #AuthorizedUser #CreditBuilderLoanSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
You worked hard for your good credit. Now, keep it. Our "set it and forget it" system automates your credit health and protects your score from disaster.
You worked hard for your good credit. Now, keep it. Our "set it and forget it" system automates your credit health and protects your score from disaster.#CreditMaintenance #GoodCredit #CreditTips #FinancialHabits #CreditScoreSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Rebuilding Credit After Bankruptcy: Your 12-Month Comeback Plan
Bankruptcy isn't the end. It's a reset. Here is your proven 12-month comeback plan to rebuild your credit and your financial life.#Bankruptcy #RebuildCredit #AfterBankruptcy #FixCredit #CreditRepairSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Dealing with Credit Card Debt: The Escape Plan They Don't Want You to Know
Drowning in credit card debt? We reveal the 3-tier escape plan, from balance transfers to the "nuclear option" that can slash your payments.#CreditCardDebt #DebtRelief #DebtConsolidation #FixCredit #FinancialFreedomSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Credit Scoring Demystified: How Credit Scores Are Calculated
Your credit score isn't magic. It's a math equation. We break down the FICO formula so you can stop guessing and start strategically boosting your score.#CreditScore #FICO #CreditReport #CalculateScore #CreditTipsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Managing Collections and Negotiating Settlements
Got a collections account? Don't just pay it! Here's the "Pay for Delete" strategy to settle your debt AND erase it from your credit report.#Collections #DebtCollection #PayForDelete #SettleDebt #FixCreditSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Credit Repair Myths Debunked
Think checking your credit hurts your score? Or that you need to carry a balance? We're debunking the top credit myths that are costing you points.#CreditMyths #CreditRepair #CreditScore #FixCredit #FinancialAdviceSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Credit Show Official Trailer
Your credit report is your adult report card—and on The Credit Show Podcast, Harry Jacobs shows you how to rewrite it. Each episode breaks down real-world credit problems in plain English: collections, charge-offs, medical debt, student loans, bankruptcy, identity theft, and more.Harry is the founder of Credit Restoration of Nevada and has served as an expert witness in nearly 100 credit
Disputing Errors on Your Credit Report: Step-by-Step Guide
1 in 4 people have a credit error. Don't just get mad, get even. Our step-by-step guide shows you how to force the bureaus to fix their mistakes.#CreditReport #Dispute #FCRA #CreditBureaus #FixCredit #CreditErrorsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Effective Strategies for Improving Your Credit Score
Stop playing checkers while the banks play chess. Here are 3 powerful strategies to manipulate your credit score and win the game.#CreditRepair #CreditScore #FixCredit #ImproveCredit #CreditTips #FinancialHealthSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
TD Bank has an issue with consumers according to the CFPB
Learn about what Toyota has done to thousands of consumers. Are you someone that is a victim? #toyota #credit #fixmycredit #badcredit #creditrepair #debtfreeSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Transunion RENTAL SCREENING issue
If you are a renter--be aware of what the law says you are entitled to. #debtfree #credit #creditrepair #creditreport #transunionSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Beware of student loan debt relief scams
Before you pay up front fees to a student loan 'help' company, beware. Do your homework. #studentloandebt #credit #creditrepair #fixmycredit #debtfreeSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Fighting back against deceptive debt collectors
Debt collection agencies and unscrupulous collectors is a frequenty topic of discussion on our podcast. Let us know if you need our help. #credit #debtcollector #debtcollectorabuse #creditrepair #debtfree #fixmycredit See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Illegal debt collection calls at work
Don't allow debt collectors to contact you at work. There are some easy ways to stop it. Hear for yourself what the government watchdog says to do. #credit #creditrepair #fixmycredit #creditreport #debtfreeSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
The CFPB ruling against Experian
The CFPB is at it again with Experian. All the details are in today's episode. #credit #creditrepair #fixmycredit #debtfree #creditrepair #experianSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Chime Bank has been charging illegal fees
Are you a victim of some of the illegal charges that Chime Bank has been charging consumers? Let us know. #credit #creditrepair #debtfree #fixmycredit #creditreportsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Credit defaults continue to be on the rise
Important information about default rates. #credit, #badcredit, #creditrepair, #credittips, #finance, #debtfree, #mortgage, #broker, #collectionagency, #debtcollectionSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Denied a rental property based on your credit?
Credit and our credit scores figure into the equation of so many things in life, not the least of which is where we live. Understanding your rights as a consumer in the event you are denied a rental is important. #badcredit, #creditrepair, #credittips, #debtfree, #rental, #apartmentrental, #broker, #mortgageSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at
Have you heard of a Mortgage Recast?
Looking for a way to lower your mortgage payment WITHOUT refinancing at today's awful interest rates? Look into whether this is an option for you with your bank. #mortgage, #mortgagerecast, #interestrates, #credit, #badcredit, #goodcredit, #Broker, #debtfreeSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Protecting yourself from ID Theft
Identity Theft happens to 12-15 million American's each year. On today's episode, we discuss some ways to protect yourself. #identitytheft, #idtheft, #credit, #creditrepair, #creditrepairtips, #goodcredit, #badcredit, #mortgage, #brokerSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
How to handle the credit of someone that is deceased
One of the things which should be dealt with as a part of the final plans for a friend or a loved one that passes is the process of notifying creditors and the credit bureaus. #finalplans, #funeral, #dealingwithdeath, #credit, #badcredit, #goodcredit, #debtfree, #See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info
How Harry Jacobs bought his Harley & the cost of money
Understanding the true cost of money in any deal is important, whether it is a car, a motorcycle, a home--it doesn't matter. On this episode we cover more of that ground. #finance, #financing, #credit, #goodcredit, #badcredit, #mortgage, #brokerSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Your interpretation of your credit report vs reality
Credit reports can be daunting to look at and difficult to understand. On this episode we discuss some of the issues and common misunderstandings. #credit, #badcredit, #goodcredit, #debt, #debtfree, #See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Why was Portfolio Recovery fined 25 Million?
One of the largest collection agencies in the country was fined 25 million dollars. Some insight into the fine is in today's episode. #collections, #collectionagency, #debtfree, #debt, #creditrepair, #mortgage, #brokerSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
The difference between FICO scores and bureau scores
A common question we are asked about credit is what is the difference between scores. On this episode, you will find some insight. #credit, #creditrepair, #credittips, #badcredit, #fico, #debtfree, #mortgage, #brokerSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Another story about time expired debts
A quick story on today's Credit Show Podcast about time-expired debts. #credit, #creditrepair, #debt, #debtfree, #mortgage, #broker, #goodcredit, #badcreditSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
The 25 million dollar fine for Portfolio Recovery explained
Portfolio Recovery, one of the nations largest collection agencies was fined 25 million--why were they fined? This episode will provide some insight. #collection, #collectionagency, #debt, #debtfree, #goodcredit, #badcredit, #broker, #mortgageSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Divorce and Credit
Important information if you are going through, or if you have been through a divorce regarding your credit. This is a re-run of an important topic. #divorce, #credit, #creditrepair, #goodcredit, #badcredit, #debtfree, #mortgage, #broker, #realtorSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
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صداستان: ساعتی با موسیقی
Becoming: HER with Nikki Spoelstra
