Credit Refresh: Recent Episodes
Credit Refresh
It's time for our community to start leveraging their credit to live the life that they deserve. Welcome to The Credit Refresh Podcast. this is a safe space where you can expect practical tips, tools and solutions to help you unlock the next level in your life. Your host Kiwanis Rucker repaired her own credit in 2015. For the past 7 years she been giving credit tips and solutions to people in the community. Kiwanis mission is to help you go from the back of the room to the stage. Subscribe, rate the podcast, and share it with your friends.
In this episode, we explore an alternative method for building credit, especially for those with limited credit history—rent reporting. We’ll dive into how rent reporting works, its potential impact on your credit score, and whether it’s worth considering as part of your credit-building strategy.
Take our new quiz to uncover the secrets of your credit score. You’ll receive personalized insights and a FREE Credit Clarity Blueprint video series and workbook. Ready to take the quiz? https://kiwanisrucker.com/quiz/
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In this episode, we continue our focus on credit protection by exploring the value of credit monitoring services. With identity theft and fraud on the rise, these services promise to help safeguard your credit, but are they truly worth the investment? We’ll break down the features, benefits, and considerations to help you decide.
Take our new quiz to uncover the secrets of your credit score. You’ll receive personalized insights and a FREE Credit Clarity Blueprint video series and workbook. Ready to take the quiz? https://kiwanisrucker.com/quiz/
Free Resources:
Get your free credit roadmap:
https://kiwanisrucker.com/credit-checklist/
Get the Collection or Charge-Off Kit:
https://kiwanisrucker.shop/collections/digital-downloads
Get the Prosperity Planner
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In this episode, we’re shifting our focus to an important aspect of credit security—credit freezes and credit locks. With identity theft and fraud on the rise, it’s essential to understand how to protect your credit effectively. We’ll break down the differences between these two protection methods so you can decide which is best for you.
Take our new quiz to uncover the secrets of your credit score. You’ll receive personalized insights and a FREE Credit Clarity Blueprint video series and workbook. Ready to take the quiz? https://kiwanisrucker.com/quiz/
Free Resources:
Get your free credit roadmap:
https://kiwanisrucker.com/credit-checklist/
Get the Collection or Charge-Off Kit:
https://kiwanisrucker.shop/collections/digital-downloads
Get the Prosperity Planner
https://kiwanisrucker.shop/collections/planners/products/prosperity-planner
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In this episode, we’re building on last week’s foundation by diving into the key differences between the two major credit scoring models: FICO and VantageScore. Understanding these differences is crucial to navigating your credit journey effectively.
Take our new quiz to uncover the secrets of your credit score. You’ll receive personalized insights and a FREE Credit Clarity Blueprint video series and workbook. Ready to take the quiz? https://kiwanisrucker.com/quiz/
Free Resources:
Get your free credit roadmap:
https://kiwanisrucker.com/credit-checklist/
Get the Collection or Charge-Off Kit:
https://kiwanisrucker.shop/collections/digital-downloads
Get the Prosperity Planner
https://kiwanisrucker.shop/collections/planners/products/prosperity-planner
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In this episode, we kick off Season 5 by diving deep into the world of credit scores. If you’ve ever wondered why your credit score fluctuates and what you can do to take control of your financial future, you’re in the right place.
Take our new quiz to uncover the secrets of your credit score. You’ll receive personalized insights and a FREE Credit Clarity Blueprint video series and workbook. Ready to take the quiz? https://kiwanisrucker.com/quiz/
Free Resources:
Get your free credit roadmap:
https://kiwanisrucker.com/credit-checklist/
Get the Collection or Charge-Off Kit:
https://kiwanisrucker.shop/collections/digital-downloads
Get the Prosperity Planner
https://kiwanisrucker.shop/collections/planners/products/prosperity-planner
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The season finale of Credit Refresh tackles staying motivated on your credit journey. Host Kiwanis Rucker acknowledges the challenges and setbacks but emphasizes the importance of perseverance.
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This episode of the Credit Refresh Podcast dives into the statute of limitations for debt collection, which varies by state and debt type. Host Kiwanis Rucker explains that knowing this timeframe empowers individuals to understand their legal rights and options when facing debt collectors.
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This episode of the Credit Refresh Podcast tackles financing a car with a low credit score. Host Kiwanis Rucker acknowledges the challenges, including higher interest rates and stricter requirements from traditional lenders.
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This episode of the Credit Refresh Podcast dives into bad financial habits that can damage your credit score. Host Kiwanis Rucker explains how your credit score, ranging from 300 to 850, is impacted by factors like payment history, credit utilization, and credit mix. The episode then exposes seven "credit score killers".
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This episode of Credit Refresh tackles the dangers of payday loans and their hidden costs. Host Kiwanis Rucker warns against their exorbitant interest rates and fees, emphasizing that while they might not directly impact your credit score, falling behind on payments can lead to debt collection, bankruptcy, or lawsuits, all of which can severely damage your credit.
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This episode of the Credit Refresh Podcast dives into the power imbalance between credit bureaus and consumers. Host Kiwanis Rucker argues that informed consumers threaten the status quo by challenging inaccurate credit reports and demanding transparency.
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This episode of the Credit Refresh Podcast dives into wage garnishment, explaining what it is and different types like child support, student loans, and back taxes. Host Kiwanis Rucker emphasizes the financial impact of wage garnishments.
Nashville, TN Workshop:
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In this episode of the Credit Refresh Podcast, Kiwanis Rucker explains if the Fair Debt Collection Practices Act (FDCPA) will allow debt collectors to contact you on social media.
Nashville, TN Workshop:
https://miseducationofcredit.com/
Join Prosperity Prep School
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Get your free credit roadmap:
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This episode of the Credit Refresh Podcast explores the benefits of secured credit cards for building credit history and financial independence. Host Kiwanis Rucker explains how secured cards require a deposit that acts as collateral, making them easier to obtain compared to traditional cards.
Nashville, TN Workshop:
https://miseducationofcredit.com/
Join Prosperity Prep School
https://kiwanisrucker.com/prosperity-prep-school/
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Get your free credit roadmap:
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In this episode of the Credit Refresh Podcast, Kiwanis Rucker discusses the unique challenges of medical debt and its impact on credit scores. Unlike other debts, medical bills often come unexpectedly. Rucker emphasizes the importance of reviewing bills for errors, negotiating with providers, and exploring financial assistance programs.
Nashville, TN Workshop:
https://miseducationofcredit.com/
Join Prosperity Prep School
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Get your free credit roadmap:
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In this episode of the Credit Refresh Podcast, Kiwanis Rucker dives into the pros and cons of Credit Karma, a free platform offering credit score access, monitoring, and educational resources. Rucker emphasizes the importance of understanding these limitations and using Credit Karma as a tool within a broader financial strategy, not a one-stop solution.
Nashville, TN Workshop:
https://miseducationofcredit.com/
Join Prosperity Prep School
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In this episode of the Credit Refresh Podcast, Kiwanis Rucker dives into the lesser-known world of alternative credit bureaus: LexisNexis, ARS, and Innovis. These bureaus collect data beyond traditional credit history, including public records, utility and rent payments, and even professional licenses. Rucker emphasizes the importance of accessing and reviewing these reports for inaccuracies, disputing errors, and considering a freeze to protect your information.
Nashville, TN Workshop:
https://miseducationofcredit.com/
Join Prosperity Prep School
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About this episode: In season 4 of the Credit Refresh Podcast, host Kiwanis Rucker aims to empower listeners to improve their credit score through education and actionable advice. She emphasizes the importance of obtaining a free credit report, creating a budget, and paying bills on time. She promises transparency and guidance throughout the season, sharing success stories and strategies to "master the game of credit." Listeners are encouraged to subscribe and utilize the free resources provided.
Nashville, TN Workshop:
https://miseducationofcredit.com/
Join Prosperity Prep School
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Bad credit can feel like a heavy burden, impacting your financial opportunities and undermining trust. But remember, the journey to rebuilding your credit and regaining trust is not only possible but also empowering.
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Student loans are a common financial responsibility for many individuals, and their impact on credit can be substantial. Understanding your repayment options and their implications is crucial for your credit health.
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Credit repair companies are a significant presence in the world of credit improvement. While many are trustworthy and provide valuable services, it's essential to approach them with a critical eye and understanding of their role in your credit journey.
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Credit repair can often be full of misinformation, causing confusion and hindering progress. Today, we're tackling some of the most prevalent credit repair myths and setting the record straight.
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Keeping a watchful eye on your credit health is essential for your financial well-being. With the right tools at your disposal, you can not only monitor changes but also take proactive steps to enhance your credit score.
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About this episode: When it comes to credit repair, one of the most common questions is about the timeline. How quickly can you expect to see improvements in your credit score? The answer, as you might have guessed, isn't straightforward.
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In this episode of "Credit Refresh," host Kiwanis Rucker will be diving into the often-overlooked connection between your financial health and your mental well-being. Subscribe now for more invaluable credit tips and financial wisdom.
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In today's episode, we're diving into a topic that often sparks confusion: "Credit Repair vs. Credit Counseling." If you've ever wondered about the differences, benefits, and which path might be right for you, you're in for a treat.
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Those seemingly magical pieces of communication that promise to mend your credit. But what's the real story behind them? Are they a silver bullet, or is there more to the picture? Let's uncover the truth.
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Navigating the world of credit repair can be daunting, with numerous services vying for your attention. However, it's essential to protect yourself from scams and make informed decisions for your financial well-being. In this episode your host Kiwanis Rucker will guide you through the signs to watch out for and how to safeguard your interests.
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In this episode of "Credit Refresh," host Kiwanis Rucker guides you through the essential strategies for negotiating with creditors, helping you take control of your financial well-being. Discover the power of open communication, effective debt assessment, and the art of proposing repayment plans. Learn how to potentially settle your debts and save money while staying committed to your financial goals. Join us on this insightful journey to debt relief and financial empowerment. Subscribe now for more invaluable credit tips and financial wisdom.
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Discover essential tips and insights on building credit from scratch in our latest episode of 'Credit Refresh.' Join host Kiwanis Rucker as he shares expert advice to help beginners on their credit journey. From securing a secure credit card to understanding the importance of timely payments and diverse credit mix, this episode has you covered. Start your path to a healthier credit profile today.
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Need the Blueprint to Credit Repair? Get your free guide here:
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Join host Kiwanis Rucker on her transformative credit repair journey filled with ups, downs, and valuable lessons. Explore responsible credit use, inspiring stories, and financial wisdom to empower your own credit adventure. Discover how second chances and expert advice can shape a brighter financial future. Tune in to 'Credit Refresh' for credit tips and tales that will guide you towards financial success.
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Understanding what role credit plays in your small business can help your business grow and succeed.
Pre-Order your copy of Credit Repair Secrets: The Essential Guide to improving your Credit Score and Achieving Financial Success https://bit.ly/3Vs0K2r
Free Resources:
Not sure how to read your credit report? Get your free guide here: https://bit.ly/3cydYsa
May is Mental Health Awareness Month. I have 10 tips for you to help manage stress and anxiety when handling your finances: https://kiwanisrucker.com/managing-stress-anxiety/
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Your credit mix and diversification play a crucial role in determining your credit score and financial stability. In today’s video, we will be talking about credit mix, what it is, and how you can improve your credit mix.
Pre-Order your copy of Credit Repair Secrets: The Essential Guide to improving your Credit Score and Achieving Financial Success https://bit.ly/3Vs0K2r
Free Resources:
Not sure how to read your credit report? Get your free guide here: https://bit.ly/3cydYsa
May is Mental Health Awareness Month. I have 10 tips for you to help manage stress and anxiety when handling your finances: https://kiwanisrucker.com/managing-stress-anxiety/
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A charge-off is a term used by credit card companies and lenders to describe a debt that is unlikely to be collected. In this video I’m talking about the impact a charge-off will have on your credit report.
Pre-Order your copy of Credit Repair Secrets: The Essential Guide to improving your Credit Score and Achieving Financial Success https://bit.ly/3Vs0K2r
Free Resources:
Not sure how to read your credit report? Get your free guide here: https://bit.ly/3cydYsa
May is Mental Health Awareness Month. I have 10 tips for you to help manage stress and anxiety when handling your finances: https://kiwanisrucker.com/managing-stress-anxiety/
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A credit builder loan is a type of loan designed specifically to help people improve their credit score. It works by lending you a small amount of money that you repay over time, just like any other loan. In this video we talk about how you can use a credit builder loan to improve your credit score.
Pre-Order your copy of Credit Repair Secrets: The Essential Guide to improving your Credit Score and Achieving Financial Success https://bit.ly/3Vs0K2r
Free Resources:
Not sure how to read your credit report? Get your free guide here: https://bit.ly/3cydYsa
May is Mental Health Awareness Month. I have 10 tips for you to help manage stress and anxiety when handling your finances: https://kiwanisrucker.com/managing-stress-anxiety/
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A short sale is a real estate transaction in which the proceeds from selling a property fall short of the mortgage debt owed on the property. This is often done as an alternative to foreclosure. In this episode we talk about how a short sale can impact your credit.
Pre-Order your copy of Credit Repair Secrets: The Essential Guide to improving your Credit Score and Achieving Financial Success https://bit.ly/3Vs0K2r
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Not sure how to read your credit report? Get your free guide here: https://bit.ly/3cydYsa
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Credit is an essential part of our financial lives and can impact our financial future in numerous ways. In today’s video we'll explore the basics of credit, how it works, and its importance.
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Credit reporting agencies, also known as credit bureaus, are companies that collect and store information about a consumer's credit history. This information is used to generate a credit report, which lenders use to assess the risk of lending money to a borrower.
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Today, we are talking credit card basics. The 3 major elements that we are talking about today are credit card interest rates, fees, and reward programs.
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In today’s episode we are discussing the difference between a credit report and a credit score. It's important to understand the difference between these two things because your credit report and credit score both play a significant role in determining your financial stability and ability to secure loans or credit in the future.
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A judgement on your credit report can significantly impact your credit score and financial health, making it difficult for you to obtain loans, credit cards, and other financial products. In this episode, I will help guide you through the steps to remove a judgement from your credit report.
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Ready to start repairing your credit? Join our 5-day credit repair challenge today! https://creditrevolutionchallenge.com/
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There are certain steps you can take to ensure that your credit is restored as quickly as possible after identity theft or fraud.
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Whether you should use a credit repair company or repair your credit yourself depends on your individual situation and needs.
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While using a debt management company can be a helpful solution for some individuals, it is important to understand the potential impact of these services on your credit score and overall financial well-being.
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About this episode: Bankruptcy is a legal process that provides relief for individuals or companies struggling with debt by allowing them to discharge or restructure their obligations. While it can be a difficult decision, for many, it offers the chance for a fresh start and financial stability. However, filing for bankruptcy will have a negative impact on credit scores, the severity of which depends on the type of bankruptcy and an individual's credit history. In this episode we are going to give you some strategies to help you navigate you credit score after bankruptcy.
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About this episode: In this episode Kiwanis talks about changes to the 1099-K form.
Now is a good time to start preparing for the upcoming tax season. Download a free copy of our tax prep checklist here https://bookwithkiwanis.com/
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About this episode: In this episode Kiwanis talks about what a standard deduction is and what it means for you when you file your taxes.
Now is a good time to start preparing for the upcoming tax season. Download a free copy of our tax prep checklist here https://bookwithkiwanis.com/
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In this episode Kiwanis talks about 6 changes to the upcoming tax season
Now is a good time to start preparing for the upcoming tax season. Book a free call with Kiwanis today to talk about your tax situation. https://bookwithkiwanis.com/
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Ultra FICO is an opt-in credit model that uses the information from your checking, savings, or money market account to supplement the credit information that’s already in your credit report.
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Not sure how to read your credit report? Get your free guide here: https://bit.ly/3cydYsa
Want to understand the basics of credit: https://youtu.be/_Gg92PU5_IA
If you've had some bad financial luck and your credit score is currently low, then my Credit Refresh Academy is for you. In this Academy I walk you through step by step how you can repair your credit yourself and see results: https://bit.ly/3EJUEE3
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You have a collection account on your credit report and a collection is now calling, what should you do? Let’s talk about it.
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Not sure how to read your credit report? Get your free guide here: https://bit.ly/3cydYsa
Want to understand the basics of credit: https://youtu.be/_Gg92PU5_IA
If you've had some bad financial luck and your credit score is currently low, then my Credit Refresh Academy is for you. In this Academy I walk you through step by step how you can repair your credit yourself and see results: https://bit.ly/3EJUEE3
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Disputing errors on your credit report was really created to make the job of the credit bureaus easier, not yours. Disputing online also takes away some of your rights. In this episode Kiwanis talks about why you should never dispute online.
Join The Credit Refresh Academy
If you've had some bad financial luck and your credit score is currently low, then my Credit Refresh Academy is for you. In this Academy I walk you through step by step how you can repair your credit yourself and see results: https://bit.ly/3EJUEE3
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Not sure how to read your credit report? Get your free guide here: https://bit.ly/3cydYsa
Want to understand the basics of credit: https://youtu.be/_Gg92PU5_IA
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We really should be teaching our children about credit and money management early. In this episode we are going to talk about how to start building your children’s credit.
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Want to understand the basics of credit: https://youtu.be/_Gg92PU5_IA
If you've had some bad financial luck and your credit score is currently low, then my Credit Refresh Academy is for you. In this Academy I walk you through step by step how you can repair your credit yourself and see results: https://bit.ly/3EJUEE3
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You shouldn’t be out here without having a plan for your credit. Your credit is in shambles because you don’t have a plan, it’s ok I’m here to help you understand what a credit plan is and how to create it.
Join The Credit Refresh Academy
Free Resources:
Not sure how to read your credit report? Get your free guide here: https://bit.ly/3cydYsa
Want to understand the basics of credit: https://youtu.be/_Gg92PU5_IA
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So you have a collection account and a charge-off account on your credit report...do you know the difference and what you should look out for in these accounts?
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These social media streets have been talking about 609 letters and that a 609 letter will help you remove items from your credit report. That’s simply not true my friend. The 609 letter is actually a letter requesting information.
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I always hear people saying that they are working on their credit. I’ve even said it myself. But what does that mean. In today’s episode we are going to dig into what does it mean to work on your credit.
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Want to know how to repair your credit without hiring a credit repair company, Click Here.
Not sure how to read your credit report? Get your free guide here:
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A bankruptcy on your credit report can hurt your credit, however your credit may not be as bad as you think. In this episode I’m going to give your four tips on how you can start to rebuild your credit after a bankruptcy discharge.
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Want to know how to repair your credit without hiring a credit repair company, Click Here.
Not sure how to read your credit report? Get your free guide here:
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In this episode we are going to explore the difference between a hard inquiry and a soft inquiry there are sometime called a credit pull of your credit report.
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Want to know how to repair your credit without hiring a credit repair company, Click Here.
Not sure how to read your credit report? Get your free guide here:
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There is so much information out there about credit and credit repair. But what I really want you to understand is that there are credit protection acts that were created to protect you. In this episode we are going to discuss 5 of those major acts.
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Want to know how to repair your credit without hiring a credit repair company, Click Here.
Not sure how to read your credit report? Get your free guide here:
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We get some much noise about credit. Do we really know the things that really hurt our credit? In this episode Kiwanis breaks down three major habits that can hurt your credit and how to change these habits if you are doing them.
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Not sure how to read your credit report? Get your free guide here:
https://bit.ly/3cydYsa
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Not sure how to read your credit report? Get your free guide here:
https://bit.ly/3cydYsa
Credit Bureau contact info:
Equifax Information Services LLC
P.O. Box 740241
Atlanta, GA 30374-0241
Experian
P.O. Box 4500
Allen, TX 75013
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000
FTC sample letter
https://consumer.ftc.gov/articles/sample-letter-disputing-errors-credit-reports-business-supplied-information
Annual Credit Report
https://www.annualcreditreport.com/index.action
New Scams
How to Prevent Identity Theft and Avoid Coronavirus Scams | Equifax
Credit freeze
What To Know About Credit Freezes and Fraud Alerts | Consumer Advice (ftc.gov)
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When I tell you this season is going to transform you credit life. I can’t wait to hear all of the success stories. We’re going to talk about credit, credit repair, family, business, and just about anything that will help you level up. So make sure you’re tuning in weekly on Wednesday’s when new episodes drop. Make sure that you subscribe so that you don’t miss an episode.