Player FM - Internet Radio Done Right
Checked 11d ago
Vor fünfunddreißig Wochen hinzugefügt
Inhalt bereitgestellt von The Credit Pros. Alle Podcast-Inhalte, einschließlich Episoden, Grafiken und Podcast-Beschreibungen, werden direkt von The Credit Pros oder seinem Podcast-Plattformpartner hochgeladen und bereitgestellt. Wenn Sie glauben, dass jemand Ihr urheberrechtlich geschütztes Werk ohne Ihre Erlaubnis nutzt, können Sie dem hier beschriebenen Verfahren folgen https://de.player.fm/legal.
Player FM - Podcast-App
Gehen Sie mit der App Player FM offline!
Gehen Sie mit der App Player FM offline!
Podcasts, die es wert sind, gehört zu werden
GESPONSERT
In a difficult week for Los Angeles, we hope this episode can provide a little bit of respite. Jessica Shaw is joined by Keely Flaherty from Tudum for a deeper dive into the gripping limited series, American Primeval , starring Betty Gilpin and Taylor Kitsch. Then also talk about the delightful return of Cameron Diaz and Jamie Foxx in the new action comedy, Back in Action , directed by Seth Gordon. Follow Netflix Podcasts for more and read about all of the titles featured on today’s episode exclusively on Tudum.com .…
Navigating Credit: Credit Report Vs. Credit Score Explained
Manage episode 455221457 series 3576016
Inhalt bereitgestellt von The Credit Pros. Alle Podcast-Inhalte, einschließlich Episoden, Grafiken und Podcast-Beschreibungen, werden direkt von The Credit Pros oder seinem Podcast-Plattformpartner hochgeladen und bereitgestellt. Wenn Sie glauben, dass jemand Ihr urheberrechtlich geschütztes Werk ohne Ihre Erlaubnis nutzt, können Sie dem hier beschriebenen Verfahren folgen https://de.player.fm/legal.
A credit score is a numerical representation of creditworthiness, ranging from 300 to 850, while a credit report details an individual's credit activity, including loans, payments, and defaults. Credit scores are calculated based on payment history, amounts owed, length of credit history, credit mix, and new credit inquiries. Each factor contributes differently to the score. Credit reports, which don't include a score, provide a comprehensive history and are crucial for lenders to assess risk. Individuals can obtain a free credit report annually from each of the three major bureaus via the government-run website.
…
continue reading
845 Episoden
Manage episode 455221457 series 3576016
Inhalt bereitgestellt von The Credit Pros. Alle Podcast-Inhalte, einschließlich Episoden, Grafiken und Podcast-Beschreibungen, werden direkt von The Credit Pros oder seinem Podcast-Plattformpartner hochgeladen und bereitgestellt. Wenn Sie glauben, dass jemand Ihr urheberrechtlich geschütztes Werk ohne Ihre Erlaubnis nutzt, können Sie dem hier beschriebenen Verfahren folgen https://de.player.fm/legal.
A credit score is a numerical representation of creditworthiness, ranging from 300 to 850, while a credit report details an individual's credit activity, including loans, payments, and defaults. Credit scores are calculated based on payment history, amounts owed, length of credit history, credit mix, and new credit inquiries. Each factor contributes differently to the score. Credit reports, which don't include a score, provide a comprehensive history and are crucial for lenders to assess risk. Individuals can obtain a free credit report annually from each of the three major bureaus via the government-run website.
…
continue reading
845 Episoden
Kaikki jaksot
×This article discusses the differences between credit freezes and credit locks, their purposes, how to implement them, and which might be the best choice for protecting your credit profile. It covers the basics of each method, their key differences, similarities, and exemptions, and provides guidance on making the right choice for your credit protection needs.…
La tasa de utilización del crédito es clave para los prestamistas al evaluar la capacidad de un individuo para manejar deudas. Mantener una baja tasa de utilización, idealmente inferior al 30%, demuestra responsabilidad crediticia. Pagar saldos, mantener cuentas con saldo de $0 y saber cuándo se reporta la deuda a las agencias son formas de optimizar esta tasa. Damon DeCrescenzo ofrece consejos para manejarla incluso sin poder pagar la totalidad de la deuda.…
Your credit score may suffer due to unreviewed credit reports, forgotten accounts like utilities, unused credit cards with undetected fraud, high credit utilization ratio, or avoiding credit use altogether. Regularly checking your credit report, closing old accounts, monitoring all card statements, managing credit balances, and responsibly using credit can prevent these issues and help build your credit history.…
T
The Credit Pros Podcast
Los pagos atrasados permanecen en el informe de crédito por 7 años, pero el impacto disminuye con el tiempo. Es crucial realizar pagos a tiempo, ya que los pagos tardíos pueden afectar gravemente el puntaje crediticio. Hay maneras de manejar los pagos atrasados, incluida la disputa de errores y el pago inmediato dentro de los 30 días. Los servicios profesionales de reparación de crédito pueden ayudar a gestionar y mejorar su informe crediticio.…
T
The Credit Pros Podcast
Los artículos cubren temas financieros: préstamos a plazos, datos de tendencias en créditos y la importancia de los cofirmantes en 2023. Explican cómo funcionan los préstamos, la relevancia del historial de pagos para el crédito, y consejos para elegir un cofirmante.
To mitigate the negative impact of collection accounts on credit scores, individuals can attempt to delete such accounts. Three methods include disputing inaccuracies, seeking goodwill removal, or negotiating deletion upon payment. It's important to understand the credit scoring model used by lenders, as newer models may ignore paid collections. However, achieving deletion can be challenging due to credit bureau and collector agreements.…
Understanding FICO credit scores is crucial for financial success. Scores are based on 5 categories, with 'Mix of Credit' and 'New Credit' each contributing 10%. A diverse mix of credit, including installment and revolving accounts, suggests lower risk to lenders. Closed accounts, both positive and negative, can impact one's credit score for up to 10 years or 7 years, respectively.…
Credit reporting errors can severely impact individuals' lives, leading to numerous complaints against credit bureaus and their data furnishers. The National Consumer Assistance Plan (NCAP) emerged from a multi-state settlement to enforce changes favoring consumers, such as providing an additional free credit report upon successful disputes, updating medical collection reporting, and enhancing dispute resolution with specialized personnel. The Fair Credit Reporting Act (FCRA) supports consumers' rights to dispute inaccuracies, and professional credit services can assist in the process.…
Working from home requires discipline in maintaining a schedule, setting clear boundaries with coworkers, incorporating personal time, and minimizing non-work distractions like excessive messaging. Establishing and adhering to a routine mimics office structure and helps balance work and personal life, even under remote conditions.…
A credit score is a numerical representation of creditworthiness, ranging from 300 to 850, while a credit report details an individual's credit activity, including loans, payments, and defaults. Credit scores are calculated based on payment history, amounts owed, length of credit history, credit mix, and new credit inquiries. Each factor contributes differently to the score. Credit reports, which don't include a score, provide a comprehensive history and are crucial for lenders to assess risk. Individuals can obtain a free credit report annually from each of the three major bureaus via the government-run website.…
T
The Credit Pros Podcast
Las personas con puntajes crediticios altos tienden a mantener saldos bajos en tarjetas, realizar pagos puntuales, limitar nuevas solicitudes de crédito, tener historiales crediticios largos y revisar regularmente sus informes de crédito para asegurar su precisión y manejarlos de manera efectiva.
Credit card debt can damage credit scores, even with on-time payments. Paying off debt in one go is often unrealistic, but strategies like balance transfers, consolidation loans, and the 'Totem Pole' method can help manage and reduce debt, potentially boosting credit scores.
The article provides insights on credit repair and management, suggesting quick sign-up for credit repair services, and discusses the impact of closing credit cards and the usefulness of retail store cards for credit health. It also introduces UltraFICO, a new credit score model.
Subsidized loans are federal loans for undergraduates with financial need, where the government covers the interest during school and a grace period. They differ from unsubsidized loans, which are available to all students but accrue interest immediately. Subsidized loans have borrowing limits and are not available to graduate students. They offer benefits such as lower costs over time but come with eligibility requirements. Understanding your financial needs and eligibility can help in choosing the right loan.…
The 'Length of Credit History' accounts for 15% of your FICO credit score, emphasizing the age of your accounts and the average age of all accounts on your report. The authorized user strategy can help improve this by being added to an older, healthy account, but there are risks involved, such as the potential negative impact of a high utilization ratio or late payments. Purchasing authorized user spots from strangers can lead to fraud allegations. Credit line increases are based on a full credit profile, not just timely payments, while checking your credit does not affect your score. Disputes can potentially improve scores if inaccuracies are found.…
Willkommen auf Player FM!
Player FM scannt gerade das Web nach Podcasts mit hoher Qualität, die du genießen kannst. Es ist die beste Podcast-App und funktioniert auf Android, iPhone und im Web. Melde dich an, um Abos geräteübergreifend zu synchronisieren.